Jurisdiction Module: Republic of Peru
Document 4 of 8 of the BNKA Documentary Package, Edition 1.0
Effective date: July 2026
Supplements: General Terms of Use of the Platform
Precedence: the Regulated Entity's Agreement prevails over this Module in all matters relating to the financial services. The principle of non-duplication set out in clause 2.4 of the General Terms applies.
1. SCOPE
This Module applies to Users resident in the Republic of Peru.
2. ENTITIES
2.1 Regulated Entity. The financial services are provided by GMONEY S.A., an Electronic Money Issuer (Empresa Emisora de Dinero Electrónico) authorised and supervised by the Superintendency of Banking, Insurance and Pension Fund Administrators (SBS). It is the sole entity responsible for those services.
2.2 Local user support entity. Block Digital Services S.A.C., RUC 20609311577, SUNARP electronic entry 14939686. It provides solely user support and commercial support services in the Republic of Peru. It is not an entity of the financial system, it does not issue electronic money, it does not take funds from the public and it does not execute payment transactions. Registered address in the Legal Notice published on bnka.com.
2.3 Technology provider. Byte Neoka UAB, in accordance with the General Terms.
3. DOCUMENT GOVERNING THE FINANCIAL SERVICES
3.1 The financial services, including the electronic money account, its opening, its nature, its backing, coverage or absence of coverage by the Deposit Insurance Fund (Fondo de Seguro de Depósitos), limits, remuneration, the execution of transactions, execution times, the Regulated Entity's fees and charges, the regime governing unauthorised transactions, closure of the account and the complaints procedure, are governed in full and exclusively by the Agreement and the documentation which the Regulated Entity provides to the User and which the User accepts.
3.2 This Module does not reproduce, amend, interpret or supplement that Agreement. Any discrepancy is resolved in favour of the Regulated Entity's Agreement.
3.3 The User must read and accept the Regulated Entity's Agreement before contracting.
4. FUNCTIONALITIES ENABLED IN THE INTERFACE
4.1 The functionalities accessible through the Platform are executed exclusively by the Regulated Entity. The Platform acts solely as a technology interface.
4.2 The functionalities enabled from time to time are those displayed in the interface, and are limited to those for which the Regulated Entity holds the corresponding authorisation and which are covered by the agreement in force between the Regulated Entity and the group entities.
4.3 Transfers originating from or destined for abroad are governed by the corresponding Corridor Annex, published on bnka.com. Only those corridors for which an Annex has been published are available.
5. REMUNERATION OF THE SERVICES AND TRANSPARENCY IN THE INTERFACE
5.1 Conversion rate. Where the amount payable by the User and the amount to be received by the beneficiary are expressed in different currencies, a conversion rate will be applied which may include a margin over the reference used to determine it. That margin constitutes the remuneration for the services provided by the participating entities.
5.2 No charge for use of the Platform. Use of the Platform is not subject to any fee, subscription or recurring charge.
5.3 The Regulated Entity's fees. These are set out in its Agreement and in the fee schedule published at bnka.com/fees.
5.4 Information provided before each transaction. Before the User confirms an order, the interface will display, clearly and in a form the User can retain:
(a) the exact amount to be debited from the User's account;
(b) the conversion rate applied and the reference used to determine it, in a manner which allows the margin to be identified;
(c) the total amount of fees and charges, itemised;
(d) the exact amount the beneficiary will receive in the destination currency;
(e) the estimated time for the funds to be credited.
The User must expressly confirm each order. No order is executed without confirmation.
5.5 No economic item will be applied to the User which has not been notified in accordance with clause 5.4, the fee schedule or the Regulated Entity's Agreement.
6. SECURITY
6.1 The authentication mechanisms are those established by the Regulated Entity.
6.2 Neither Byte Neoka, nor Block Digital Services S.A.C., nor the Regulated Entity will ask the User, through any channel, for the User's credentials, one-time codes or access keys, except where strictly necessary during an authentication process managed directly by the Regulated Entity through its own secure environments.
7. COMPLAINTS
7.1 Financial services. These are addressed to the Regulated Entity, through the channels and in accordance with the procedure and time limits set out in its Agreement and in the rules applicable to electronic money issuers.
7.2 Complaints Book. Block Digital Services S.A.C. makes available to the User the Complaints Book (Libro de Reclamaciones) in virtual format, accessible on bnka.com, in accordance with the Consumer Protection and Defence Code, Law No. 29571, and its implementing rules.
7.3 Software and support. Enquiries and incidents concerning the operation of the Platform or the support received may be addressed to support@bnka.com or to the channels indicated on the Platform.
7.4 Administrative bodies. Nothing in this clause limits the User's right to apply to the National Institute for the Defence of Competition and the Protection of Intellectual Property (Indecopi), to the Superintendency of Banking, Insurance and Pension Fund Administrators, or to any other body established under Peruvian law.
8. PROCESSING OF PERSONAL DATA
Personal data is processed in accordance with Law No. 29733, the Personal Data Protection Law, and its implementing regulation, with the applicable Privacy Policy and with the Regulated Entity's own processing policy.
9. AMENDMENT
Amendments to this Module will be notified with the minimum advance notice required under Peruvian law. Amendments to the Regulated Entity's Agreement are notified by that entity in accordance with its own regime.
10. GOVERNING LAW AND JURISDICTION
10.1 Relations with a User resident in the Republic of Peru are governed, as regards consumer protection, by the mandatory provisions of Peruvian law, with the bodies identified in clause 7.4 having competence.
10.2 The Regulated Entity's Agreement is governed by Peruvian law.
10.3 As regards the use of the software, clause 16 of the General Terms applies, without prejudice to clause 10.1.