[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"Layout-es":3,"region":156,"TermsInfo-es-bnka-terminos-y-condiciones-peru":250},{"data":4,"meta":155},{"id":5,"documentId":6,"createdAt":7,"updatedAt":8,"publishedAt":9,"locale":10,"header":11,"footer":72},3,"fsav9o5pbuhqqfjn9f11eypr","2025-06-13T16:20:52.557Z","2026-04-29T13:29:42.388Z",null,"es-419",{"id":5,"menu":12},[13,44,63,67],{"id":14,"label":15,"url":9,"isExternal":16,"submenu":17},24,"Nuestros servicios",false,[18,24,29,34,39],{"id":19,"label":20,"type":21,"isExternal":16,"url":22,"regions":23},529,"Gestión de saldo","primary","https:\u002F\u002Fbnka.com\u002Fes\u002Fgestion-saldo-multimedia",[],{"id":25,"label":26,"type":21,"isExternal":16,"url":27,"regions":28},159,"Billetera multimoneda","https:\u002F\u002Fbnka.com\u002Fes\u002Fbilletera-multimoneda",[],{"id":30,"label":31,"type":21,"isExternal":16,"url":32,"regions":33},160,"Tarjetas internacionales","https:\u002F\u002Fbnka.com\u002Fes\u002Ftarjetas-bnka",[],{"id":35,"label":36,"type":21,"isExternal":16,"url":37,"regions":38},161,"Envíos y pagos","https:\u002F\u002Fbnka.com\u002Fes\u002Fenvia-y-recibe-dinero",[],{"id":40,"label":41,"type":21,"isExternal":16,"url":42,"regions":43},163,"Pago de servicios","https:\u002F\u002Fbnka.com\u002Fes\u002Fpago-de-servicios",[],{"id":45,"label":46,"url":9,"isExternal":16,"submenu":47},25,"Casos de uso",[48,53,58],{"id":49,"label":50,"type":21,"isExternal":16,"url":51,"regions":52},164,"Para expatriados","https:\u002F\u002Fbnka.com\u002Fes\u002Fpara-expatriados",[],{"id":54,"label":55,"type":21,"isExternal":16,"url":56,"regions":57},165,"Para freelancers","https:\u002F\u002Fbnka.com\u002Fes\u002Fpara-freelancers",[],{"id":59,"label":60,"type":21,"isExternal":16,"url":61,"regions":62},166,"Para estudiantes","https:\u002F\u002Fbnka.com\u002Fes\u002Fpara-estudiantes",[],{"id":5,"label":64,"url":65,"isExternal":16,"submenu":66},"BNKA Academy","https:\u002F\u002Fbnka.com\u002Fes\u002Fblog",[],{"id":68,"label":69,"url":70,"isExternal":16,"submenu":71},137,"Ayuda","https:\u002F\u002Fbnka.com\u002Fes\u002Ffaqs",[],{"id":5,"footereu":73,"footerworld":73,"copyrighy":74,"footerarg":75,"footerco":9,"footerper":76,"links":77,"socialmedia":98},"\u003Cp>Byte Neok AI, S.L. (B72527682) está inscrita en el registro de proveedores de servicios en criptoactivos del Banco de España con número de inscripción E117, como proveedor de servicios de cambio de moneda virtual por moneda fiduciaria y custodia de monederos electrónicos, al amparo del régimen transitorio del artículo 143 del Reglamento (UE) 2023\u002F1114 (MiCA), en su aplicación en España. Los servicios de pago en EUR son prestados por entidades terceras autorizadas identificadas en la Plataforma. \u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp>\u003Cstrong>BNKA\u003C\u002Fstrong> actúa exclusivamente como proveedor tecnológico de acceso a dichos servicios. Los criptoactivos no están cubiertos por el Fondo de Garantía de Depósitos. BNKA no es un banco. Los servicios se prestan conforme al marco regulatorio aplicable en cada momento.\u003C\u002Fp>","Todos los derechos reservados.","","\u003Cp>\u003Cb style=\"-webkit-text-stroke-width:0px;background-color:rgb(34, 37, 41);box-sizing:inherit;color:rgb(209, 210, 211);font-family:Slack-Lato, Slack-Fractions, appleLogo, sans-serif;font-size:15px;font-style:normal;font-variant-caps:normal;font-variant-ligatures:common-ligatures;letter-spacing:normal;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;\" data-stringify-type=\"bold\">\u003Cstrong>BNKA (Block Digital UAB) no tiene la condición de entidad de crédito ni de banco. No ofrecemos productos bancarios como depósitos garantizados, cuentas corrientes, préstamos u otros servicios reservados a entidades de crédito reguladas.\u003C\u002Fstrong>\u003C\u002Fb>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp>La emisión del dinero electrónico disponible en la billetera electrónica Bnka es realizada por GMoney S.A., entidad autorizada y regulada por la Superintendencia de Banca, Seguros y AFP (SBS), conforme a la normativa vigente en el Perú.\u003C\u002Fp>\u003Cp>Para cualquier consulta, puedes comunicarte con GMoney escribiendo a atencionalusuario@gmoney.pe\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color:rgb(34,37,41);color:rgb(209,210,211);font-family:Slack-Lato, Slack-Fractions, appleLogo, sans-serif;font-size:15px;\">\u003Cspan style=\"-webkit-text-stroke-width:0px;display:inline !important;float:none;font-style:normal;font-variant-caps:normal;font-variant-ligatures:common-ligatures;font-weight:400;letter-spacing:normal;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;\">Block Digital UAB está registrado en Lituania como Proveedor de Servicios de Activos Virtuales (VASP), autorizado para la compraventa, custodia y transferencia de activos virtuales. No ofrecemos servicios de dinero electrónico ni cuentas de pago.\u003C\u002Fspan>\u003C\u002Fspan>\u003Cbr>\u003Cspan style=\"background-color:rgb(34,37,41);color:rgb(209,210,211);font-family:Slack-Lato, Slack-Fractions, appleLogo, sans-serif;font-size:15px;\">\u003Cspan style=\"-webkit-text-stroke-width:0px;display:inline !important;float:none;font-style:normal;font-variant-caps:normal;font-variant-ligatures:common-ligatures;font-weight:400;letter-spacing:normal;orphans:2;text-align:left;text-decoration-color:initial;text-decoration-style:initial;text-decoration-thickness:initial;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;\">Toda la información contenida en este sitio web es de carácter exclusivamente informativo y no constituye asesoramiento financiero ni una oferta de servicios bancarios. Para más información sobre nuestra regulación y condiciones, consulta nuestras Condiciones Generales y Política de Privacidad.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",[78,84,89,94],{"id":79,"label":80,"type":21,"isExternal":81,"url":82,"regions":83},27,"Requerimiento de autoridades",true,"https:\u002F\u002Fbnka.com\u002Fes\u002Fauthority",[],{"id":85,"label":86,"type":21,"isExternal":81,"url":87,"regions":88},28,"Términos y condiciones","https:\u002F\u002Fbnka.com\u002Fes\u002Fterms",[],{"id":90,"label":91,"type":21,"isExternal":16,"url":92,"regions":93},29,"Centro de Ayuda","https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes",[],{"id":95,"label":96,"type":21,"isExternal":16,"url":70,"regions":97},253,"Preguntas 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– TÉRMINOS Y CONDICIONES – PERÚ","bnka-terminos-y-condiciones-peru","\u003Ch2>1. INTRODUCCIÓN Y ALCANCE\u003C\u002Fh2>\u003Cp>Los presentes Términos y Condiciones para Perú (los “Términos Perú”) regulan el acceso y uso, por parte de los usuarios residentes en la República del Perú, de los servicios disponibles a través de la plataforma tecnológica BNKA (la “Plataforma”).\u003Cbr>Estos Términos Perú complementan y deben leerse conjuntamente con los BNKA General Terms and Conditions (los “Términos Generales”). En caso de contradicción, prevalecerán los presentes Términos Perú.\u003Cbr>La Plataforma es propiedad de Neoxpat Limited, sociedad constituida conforme a las leyes de Chipre, que actúa exclusivamente como propietaria y operadora de la infraestructura tecnológica y no presta servicios financieros regulados en el Perú.\u003C\u002Fp>\u003Ch2>2. MODELO DE PRESTACIÓN DE SERVICIOS EN PERÚ\u003C\u002Fh2>\u003Cp>\u003Cbr>En la República del Perú, los servicios financieros accesibles a través de la Plataforma se prestan conforme al marco regulatorio aplicable, a través de entidades debidamente autorizadas y supervisadas por la Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones (SBS).\u003C\u002Fp>\u003Ch2>3. ENTIDADES INTERVINIENTES\u003C\u002Fh2>\u003Ch3>3.1 GMONEY S.A.\u003C\u002Fh3>\u003Cp>GMONEY S.A. es una sociedad constituida conforme a las leyes de la República del Perú, autorizada y supervisada por la Superintendencia de Banca, Seguros y AFP (SBS) como Emisor de Dinero Electrónico.\u003C\u002Fp>\u003Cp>GMONEY S.A. es la entidad responsable de la provisión de:\u003C\u002Fp>\u003Cp>- billeteras electrónicas de dinero electrónico;\u003Cbr>- emisión, administración y custodia de dinero electrónico;\u003Cbr>- operaciones de carga, descarga, transferencias y pagos en moneda local;\u003Cbr>- demás servicios permitidos conforme a la normativa peruana aplicable.\u003C\u002Fp>\u003Cp>Los fondos asociados al dinero electrónico no constituyen depósitos bancarios y se rigen por la normativa específica aplicable al dinero electrónico en el Perú.\u003C\u002Fp>\u003Ch3>3.2 BNKA como interfaz tecnológica\u003C\u002Fh3>\u003Cp>BNKA actúa en el Perú exclusivamente como una interfaz tecnológica que permite a los usuarios:\u003C\u002Fp>\u003Cp>- acceder a los servicios prestados por GMONEY S.A.;\u003Cbr>- visualizar saldos, movimientos e información;\u003Cbr>- iniciar solicitudes e instrucciones conforme a los servicios habilitados.\u003C\u002Fp>\u003Cp>BNKA no es una entidad financiera, no capta recursos del público, no administra fondos, no emite dinero electrónico ni fija condiciones financieras.\u003C\u002Fp>\u003Ch2>4. RELACIÓN CONTRACTUAL\u003C\u002Fh2>\u003Cp>Al utilizar los servicios disponibles en el Perú:\u003C\u002Fp>\u003Cp>- el usuario celebra un contrato directamente con GMONEY S.A. respecto de los servicios de dinero electrónico;\u003Cbr>- BNKA y Neoxpat Limited no son parte contractual de los servicios financieros regulados.\u003C\u002Fp>\u003Cp>Las condiciones específicas de los servicios de dinero electrónico son determinadas por GMONEY S.A. y comunicadas al usuario conforme a la normativa aplicable.\u003C\u002Fp>\u003Ch2>5. REGISTRO, IDENTIFICACIÓN Y CUMPLIMIENTO\u003C\u002Fh2>\u003Cp>El acceso a los servicios está sujeto al cumplimiento de los procesos de identificación, verificación y conocimiento del cliente (KYC), prevención de lavado de activos y financiamiento del terrorismo (LA\u002FFT), conforme a la normativa de la SBS y las políticas internas de GMONEY S.A.\u003C\u002Fp>\u003Cp>GMONEY S.A. y BNKA podrán solicitar información adicional, aplicar límites, suspender operaciones o restringir el acceso cuando sea requerido por razones regulatorias, de seguridad o de gestión de riesgos.\u003C\u002Fp>\u003Ch2>6. COSTOS, COMISIONES Y CONDICIONES ECONÓMICAS\u003C\u002Fh2>\u003Cp>Las tarifas, comisiones y costos aplicables a los servicios de dinero electrónico son establecidos por GMONEY S.A. y comunicados al usuario antes de la contratación o ejecución de operaciones.\u003C\u002Fp>\u003Cp>BNKA no determina ni percibe directamente comisiones sobre el dinero electrónico, salvo aquellas relacionadas con el uso de la Plataforma, cuando corresponda y sea informado previamente.\u003C\u002Fp>\u003Ch2>7. OBLIGACIONES DEL USUARIO\u003C\u002Fh2>\u003Cp>El usuario se compromete a:\u003Cbr>- proporcionar información veraz, completa y actualizada;\u003Cbr>- utilizar los servicios de forma lícita y conforme a la ley peruana;\u003Cbr>- no utilizar los servicios para actividades ilícitas, fraudulentas o prohibidas;\u003Cbr>- mantener la confidencialidad de sus credenciales y dispositivos.\u003C\u002Fp>\u003Ch2>8. RESPONSABILIDAD\u003C\u002Fh2>\u003Cp>GMONEY S.A. será responsable exclusivamente por los servicios de dinero electrónico que presta.\u003C\u002Fp>\u003Cp>BNKA y Neoxpat Limited no serán responsables por:\u003Cbr>- actos u omisiones de GMONEY S.A.;\u003Cbr>- pérdidas derivadas de servicios de dinero electrónico;\u003Cbr>- interrupciones atribuibles a terceros o causas fuera de su control razonable.\u003Cbr>Nada de lo dispuesto en estos Términos limita los derechos irrenunciables del consumidor conforme a la legislación peruana.\u003C\u002Fp>\u003Ch2>9. SUSPENSIÓN Y TERMINACIÓN\u003C\u002Fh2>\u003Cp>El acceso a los servicios podrá ser suspendido o terminado conforme a la normativa aplicable, las políticas de GMONEY S.A. o requerimientos de autoridad competente.\u003Cbr>La terminación del acceso a la Plataforma no extingue las obligaciones pendientes del usuario frente a GMONEY S.A.\u003C\u002Fp>\u003Ch2>10. MODIFICACIONES\u003C\u002Fh2>\u003Cp>Los presentes Términos Perú podrán ser modificados para reflejar cambios regulatorios u operativos. Las modificaciones serán informadas conforme a la normativa aplicable.\u003C\u002Fp>\u003Ch2>11. 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