Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the qtapp.ai application, you accept these terms and conditions. If you do not agree, do not use our services. Yusol Proyectos S.A.P.I de C.V., hereinafter QTapp.

2. Nature of the Service

3. Funds Flow and Financial Responsibility

QTapp may operate with one or more authorized financial institutions (the "Financial Institution"). References to the "Financial Institution" in these Terms shall be understood as references to the authorized financial institution or institutions providing the corresponding financial service at any given time, which hold the applicable authorizations from the Mexican financial authorities.

QTapp acts solely as a provider of technology services, providing interfaces and functionalities for instructing, visualizing, and tracking operations.

3.1 Technology Services

By accepting these Terms, the user engages QTapp for the provision of technology services — remunerated through the Technology Services Fee described in section 11.

Yusol Proyectos' participation is limited to the technological validation and transmission to the Financial Institution of the user's instructions, and to receiving and reconciling the confirmations issued by that institution: it cannot initiate, modify, or reassign operations on its own, has no discretionary control over the funds, and at no time acquires their ownership. The financial services — receiving deposits, custody, issuing CLABEs, and executing SPEI transfers — are provided by the Financial Institution. The commercial relationship between the user and their own counterparties is documented directly between them. The foregoing authorization is strictly operational and technological in nature: it does not grant Yusol powers to receive funds as its own property, recognize balances owed by it, dispose of the funds at its discretion, or provide reserved financial services on its own behalf.

3.2 POS Aggregator Settlements

The user may instruct that the settlements of collections made through their point-of-sale aggregators be credited to the account operated by the Financial Institution.

The platform's internal records serve an exclusively operational reconciliation and reporting function: they allow each movement to be attributed to the corresponding user based on the documented instructions and the operations recorded by the Financial Institution; they do not represent an autonomous payment obligation of Yusol Proyectos, do not replace the financial institution's records, and do not constitute deposits, balances, or rights owed by it.

4. Liability Not Attributable to QTapp

QTapp shall not be responsible for:

• Failures, delays, rejections, or interruptions in third-party systems, including payment systems, SPEI, CoDi, or others.
• Operational, regulatory, or technical decisions made by Financial Institutions.
• Suspension, blocking, or cancellation of operations resulting from compliance processes, anti-money laundering measures, or requirements of competent authorities.

5. Ownership and Brand

QTapp (qtapp.ai) and TKM Technology are commercial brands owned by Yusol Proyectos, S.A.P.I. de C.V. All services provided through the QTapp application, including third-party integrations, are operated and administered by Yusol Proyectos, S.A.P.I. de C.V. Any reference in these Terms to "QTapp" or "TKM Technology" is understood as a reference to Yusol Proyectos, S.A.P.I. de C.V.

6. Google Integration

QTapp allows users to connect their Google account to enable sending emails through the artificial intelligence assistant. When you connect your Google account, you authorize tkm.technology (the name shown on Google's authorization screens) to access the following service:

• Gmail (gmail.send): Send emails on your behalf

6.1 Use of Google Data

QTapp uses the Gmail permission exclusively to send emails when the user explicitly requests it through the AI assistant. Google data is used solely to provide this functionality within the application.

6.2 Connection Management

You can connect or disconnect your Google account at any time from the "Integrations" section of the application. Upon disconnecting, QTapp will immediately lose access to your Gmail account.

7. Service Description

The purpose of qtapp.ai is the provision of AI-powered technology services. The platform technologically facilitates the generation and transmission to the Financial Institution of instructions related to financial services provided by the Financial Institution (see section 3), enabling:

• QR codes compatible with Banxico's CoDi
• Technological access to SPEI transfers provided and executed by the Financial Institution, subject to the level, limits, schedules, validations, and other conditions established by the Financial Institution
• An 18-digit CLABE assigned by the Financial Institution, subject to that institution's contracting, validation, and approval
• AI-powered features

8. Payment Infrastructure

qtapp.ai operates as a technology orchestrator of operations using the infrastructure of the Financial Institution (see section 3), authorized and supervised by the Mexican National Banking and Securities Commission (CNBV).

The funds related to the financial services are received, recorded, held, and administered by the Financial Institution in accordance with financial legislation and the contractual conditions applicable to that institution.

Yusol Proyectos, S.A.P.I. de C.V. acts as the operator of the qtapp.ai platform, while the Financial Institution provides the CLABE, SPEI, and CoDi infrastructure.

9. Registration and Account

When you register, you receive:

• An 18-digit CLABE assigned by the Financial Institution, subject to that institution's contracting, validation, and approval
• A technology dashboard to manage the instruction of operations
• CoDi codes to collect payments from banking apps provided by the Financial Institution

Registration itself has no cost; access to and use of the platform is billed per the monthly fee and the transaction-volume table described in section 11. Registering with QTapp does not by itself entail the opening of a financial account: the assignment of a CLABE and the enablement of payment services are subject to the corresponding acceptance and validation with the Financial Institution.

10. Account Levels and Transfer Limits

QTApp operates under a tiered system that determines platform usage limits and the features available to each user.

QTapp may establish additional technological security or usage controls, which do not replace or modify the Financial Institution's limits or decisions. The levels and limits described in this section constitute internal security controls and usage controls of the technology interface.

*Legal Entities: subject to approval

10.1 Level Details

Basic Level

• Monthly limit: $25,000 MXN
• Amounts Credited: Enabled
• Amounts Withdrawn: Up to $10,000 MXN
• Operations hours: Monday to Friday, 6:00 to 17:30 (banking hours)
• CoDi for collections: Enabled
• QTapp Internal Movements: Enabled

Oro Level

• Monthly limit: $94,000 MXN
• Credited and Withdrawn Operations: Enabled
• SPEI hours: 24 hours, 7 days a week
• CoDi for collections: Enabled
• Requirements:
  • INE (Mexican ID) or Passport (valid identity document)
  • Live photo / Selfie (liveness verification)
  • Verified mobile phone
  • CURP (automatically extracted from the identity document)

Platinum Level - Individuals

• Monthly limit: $500,000 MXN
• Credited and Withdrawn Operations: Enabled
• SPEI hours: 24 hours, 7 days a week
• CoDi for collections: Enabled
• Additional requirements (on top of Oro):
  • Tax regime (RESICO, PFAE, or other)
  • Valid RFC
  • Valid CURP
  • Tax domicile

Platinum Level - Legal Entities

• Dynamic monthly limits per evaluation:
  • Micro/SME: up to $5,000,000 MXN
  • Medium business: up to $50,000,000 MXN
  • Large business: Customized limit subject to approval
• Credited and Withdrawn Operations: Enabled
• Operations hours: 24 hours, 7 days a week
• Requirements:
  • Articles of incorporation
  • Legal representative's powers of attorney
  • Company RFC
  • Legal representative's INE
  • Proof of tax domicile
  • Identification of ultimate beneficial owners (>25% ownership)
  • Economic activity declaration

10.2 Level Upgrade

• Level change is automatic upon completing the required information
• There is no additional cost to upgrade
• Once a higher level is reached, it is maintained as long as the information provided remains valid
• QTApp reserves the right to request additional documentation to verify the information provided

10.3 Monthly Limit Tracking

• The monthly limit resets on day 1 of each month at 00:00 (Central Mexico time)
• Only successful withdrawal movements are counted.
• Credit movements do not count toward the monthly limit
• Failed or canceled movements are not deducted from the limit

10.4 Exceeding the Limit

• If you attempt a movement that exceeds your available monthly limit, the operation will be rejected
• You will receive a notification indicating your current limit and the remaining amount available
• To continue operating, you can:
  • Wait until the start of the next month
  • Upgrade your level by completing the additional information required

10.5 Special Limits

QTApp reserves the right to:

• Set customized technological controls for security or fraud-prevention reasons, without replacing or modifying the Financial Institution's limits or decisions
• Temporarily reduce platform usage limits if unusual activity is detected
• Request additional information before transmitting high-value instructions

10.6 Truthfulness of Information

The user agrees to:

• Provide truthful and updated information
• Notify any changes to their tax information
• Not use third-party data to increase their level

10.7 Data Validation

• The RFC must match the official SAT format (12 or 13 characters)
• The CURP must be valid and match the data provided (18 characters)
• QTApp may validate this data against official sources

10.8 Documented Acceptance and File Completion for High-Volume Operation

When a user's operations exceed $500,000 MXN per month, or when QTApp so requires in order to allow QTApp and the Financial Institutions to comply with their contractual, security, fraud-prevention, and, where applicable, regulatory obligations, the user agrees to:

• Download these Terms and Conditions (available for download at qtapp.ai/terminos) and send them with their express acceptance to soporte@qtapp.ai, within 30 calendar days of QTApp's request. To facilitate this process, QTApp may send the document directly to the user for acknowledgment and acceptance through the same channel.
• Complete and keep their file up to date with the documentation QTApp requests, including but not limited to: articles of incorporation, legal representative's powers of attorney, proof of tax domicile, identification of ultimate beneficial owners, economic activity declaration and, where applicable, agreements executed with their point-of-sale aggregators.

For operations under $500,000 MXN per month, the documented acceptance described in this section is not required; however, compliance with the technology platform enrollment requirements is mandatory, including, among others, the legal representative's INE or passport and a Tax Status Certificate (CSF) no older than 3 months.

11. Technology Services Fee and Pricing

The Technology Services Fee — the sole consideration for the AI-powered technology services provided by Yusol Proyectos — consists of two components: (i) a monthly fee for access to and use of the platform, and (ii) a transaction-volume charge per the table below. This fee remunerates technology services exclusively — access, authentication, validation, transmission of instructions, orchestration of financial movements with Financial Institutions, reconciliation, reports, and support — and do not remunerate the receipt, custody, or execution of transfers, which are services provided by the corresponding authorized financial institution.

11.1 Monthly Access and Usage Fee

The Básico and Oro levels pay no monthly fee. The monthly access and usage fee accrues only when the volume operated by the Client exceeds $500,000 MXN in the calendar month (the high-volume operation threshold, section 10.8):

11.2 Transaction-Volume Charge (per Range)

The volume charge accrues per range: once a range of operations (payment instructions transmitted and QR/CoD collections through the Financial Institution) is reached within the calendar month, a corresponding fee is charged. That fee is calculated as the reference rate per operation — which decreases from $5.99 to $3.99 as scale grows — multiplied by the upper bound of the range:

The range fee corresponds to the range reached within the calendar month and replaces that of the previous ranges (it is not cumulative). All prices are plus VAT where indicated.

11.3 QTapp Card Activation Fees

The QTapp Card is issued and operated by the corresponding Financial Institution under the applicable card brand; QTapp only facilitates, through the platform, its request, display, and technological management. Card availability is subject to the user's level (section 10), to linking their WhatsApp channel to receive verification codes and notices, and to the Financial Institution's approval.

For the technological enablement of each card product, Yusol Proyectos charges, as a component of the Technology Services Fee, a one-time fee per product. Each product is charged separately, at the moment the user requests it:

• No monthly fee. As long as the card records at least one charge in the month, no recurring fee accrues for its use.
• A card with no charges for one month is deactivated for inactivity. To use it again, the reactivation fee indicated above is charged.
• The fee is charged before the product is enabled. If the funds recorded by the Financial Institution in the user's account are insufficient, the request is not processed and no charge is made.
• The user expressly authorizes — an authorization revocable at any time — and instructs the Financial Institution, through the platform, to pay these fees out of the funds the Financial Institution records in the corresponding account. Each fee appears as a separate movement in the app's movement history.
• These fees do not apply to cards operated under a corporate program linked to a QTapp business partner, whose economic terms are governed by that program's agreement.

11.4 International Transaction Fee (QTapp Card)

Purchases made with the QTapp Card at merchants abroad or in a currency other than the Mexican peso are converted to pesos at the exchange rate applied by the card brand at the time the transaction is settled. QTapp does not set, intervene in, or derive any benefit from that exchange rate.

On the amount converted to pesos, Yusol Proyectos charges, as a component of the Technology Services Fee, an international transaction fee of 1% (VAT included). This fee remunerates exclusively the technology services of validation, transmission, reconciliation, and reporting of the international transaction and is not part of the purchase amount or of the exchange rate.

• The fee is recorded as a separate movement in the app's movement history, identified as "International transaction fee", so you can distinguish it from your purchase amount.
• The user expressly authorizes — an authorization revocable at any time — and instructs the Financial Institution, through the platform, to pay this fee out of the funds the Financial Institution records in the corresponding account.
• The fee never conditions or declines the purchase: if for any reason it cannot be applied, the transaction authorized by the Financial Institution remains fully valid.
• It does not apply to cards operated under a corporate program linked to a QTapp business partner, whose economic terms are governed by that program's agreement.

As with the fees in section 11.3, the price of this fee already includes VAT.

12. SPEI Transfer Settlement Times

Transfers carried out through the Interbank Electronic Payments System (SPEI) operate in 24/7 mode for users with Oro level and above. Basic-level users are subject to the operating hours of the Mexican banking system.

12.1 Technology Platform Operating Hours

12.2 Internal Movements

12.3 Important Information

• The times indicated are estimates and may vary depending on the receiving bank
• QTApp will display the estimated settlement time on screen when you make each transfer
• Once the payment order is sent to the Financial Institution, the settlement process is the responsibility of the banking system

13. Web Payment Buttons (Exclusive to Platinum Users)

13.1 Service Description

Web Payment Buttons allow Platinum users to generate QR codes and embeddable widgets to receive payments on external websites. The service includes:

• Generation of QR codes by the Financial Institution unique to each product or service
• JavaScript widget for automatic website integration
• REST API for server-side integration
• Automatic detection of completed payment
• Configurable redirect to a success URL

13.2 Merchant Requirements

• Have Platinum level (Individual or Legal Entity)
• Have completed KYC verification
• Registered tax information (RFC, tax regime, address)

13.3 Costs and Fees

13.4 Integration Options

Automatic Widget (Recommended)

QTApp provides a JavaScript widget that automatically displays the QR code, detects the payment, and redirects the user. The merchant must include the script https://js.qtapp.ai/v1/payment-qr.js on their website.

Static QR Image

The merchant can obtain the QR code image directly from the QTApp API for custom designs. Payment detection must be implemented manually via polling the API.

Server-Side Integration

For stores with their own backend, QTApp offers a REST API that allows dynamic creation of payment buttons. The merchant must include their QTApp user identifier in the request headers.

13.5 Requirements for Customers (Payers)

13.6 Button Configuration

Each payment button can be configured with:

• Amount: Price of the product or service
• Description: Name or detail of the product
• Reference: Merchant's internal code (optional)
• Success URL: Page to redirect to after payment
• Expiration date: Button expiration (optional)
• Usage limit: Maximum number of accepted payments (optional)

13.7 History and Reports

• The merchant can review the history of payments received from the QTApp app
• Payments can be filtered by date, amount, or reference
• CSV export is available

13.8 Merchant Obligations

• Use Web Payment Buttons only for lawful activities
• Comply with their tax obligations derived from received payments
• Issue the CFDIs corresponding to transactions made
• Not modify the widget code in a way that alters its functioning
• Provide truthful information in product/service descriptions

13.9 Limitations and Responsibilities

• QTApp is not responsible for commercial disputes between the merchant and their customers
• The merchant is responsible for the delivery of products/services sold
• QTApp may suspend the service if misuse or suspicious activity is detected
• The merchant's monthly transaction limits apply to payments received via web buttons

14. QTapp Agents (AI Assistants for WhatsApp and Telegram)

14.1 Service Description

QTapp Agents is a Bot-as-a-Service (BaaS) offering that allows users and businesses to create AI assistants for customer service on WhatsApp and Telegram. The service uses the same AI technology that powers the qtapp.ai financial platform's AI Agent.

Each subscriber receives a dedicated VPS (Virtual Private Server) with their own QTapp Agent. This means your AI assistant runs on a fully isolated virtual private server, where your data is never mixed with other customers', ensuring security and privacy for your business.

14.2 Plans and Pricing

14.3 AI Credits

• Each plan includes a monthly AI credit consumed with every QTapp Agent interaction
• Unused credits do not roll over to the next month
• When credits run out, the user can top up additional balance from the QTApp app
• Credit consumption varies according to the complexity of the generated responses

14.4 Billing Cycle

• The charge is automatic every 30 days from the activation date
• The subscriber expressly authorizes — an authorization revocable at any time — and instructs the Financial Institution, through the platform, to pay the Technology Services Fees owed to Yusol out of the funds the Financial Institution records in the corresponding account
• If there is insufficient balance, up to 3 charge attempts will be made on consecutive days
• After the third failed attempt, the service will be suspended until payment is regularized

14.5 Cancellation

• The subscriber can cancel their subscription at any time from portal.qtapp.ai
• Cancellation is effective at the end of the current billing period
• No refunds for partial periods not used
• QTapp Agent data is retained for 30 days after cancellation

14.6 Permitted Use

The subscriber agrees to use QTapp Agents only for:

• Automated customer service
• Information about products and services
• Appointment scheduling
• Answers to frequently asked questions
• Other lawful commercial activities

14.7 Prohibited Use

14.8 Subscriber Responsibilities

• Configure the QTapp Agent with truthful information about their business
• Supervise the QTapp Agent's interactions with their customers
• Comply with WhatsApp Business and/or Telegram policies
• Obtain their customers' consent to receive automated messages
• Keep product and service information up to date

14.9 Limitation of Liability

• QTApp does not guarantee that the QTapp Agent's responses are always accurate or appropriate
• The subscriber is responsible for the QTapp Agent's interactions with their customers
• QTApp is not responsible for commercial losses derived from use of the service
• Service availability is subject to the availability of third-party platforms (WhatsApp, Telegram)

14.10 Service Suspension

QTApp reserves the right to suspend or cancel the service if:

• Prohibited use is detected per section 15.7
• The subscriber violates the terms of service of WhatsApp or Telegram
• There is non-payment for more than 7 days
• Spam or abuse reports are received from end users

15. User Obligations

As a user, you agree to:

• Provide truthful and updated information
• Maintain the confidentiality of your credentials
• Not use the service for illegal activities
• Not attempt to breach the platform's security
• Comply with applicable laws in Mexico
• Declare and guarantee the lawful origin and destination of the funds belonging to the client, assuming the corresponding responsibility
• Assume sole responsibility for the operation instructions issued through QTapp
• Complete and keep your file up to date, delivering any additional documentation QTApp requests for regulatory or compliance purposes (see section 10.8).

16. Limitation of Liability

qtapp.ai shall not be responsible for:

• Service interruptions for reasons beyond our control
• Losses resulting from improper use of the application
• Errors in transactions caused by incorrect user data
• Indirect or consequential damages

17. Security

We implement bank-grade security measures, including:

• End-to-end encryption
• Multi-factor authentication
• Continuous transaction monitoring
• PCI DSS compliance

18. Intellectual Property

All intellectual property rights of qtapp.ai, including trademarks, logos, designs, and code, belong to Yusol Proyectos, S.A.P.I. de C.V., owner of the QTapp and TKM Technology commercial brands. No license is granted over these rights except for the permitted use of the application.

19. Modifications

We reserve the right to modify these terms at any time. Changes will take effect upon publication in the application. Continued use of the service implies acceptance of the new terms.

20. Termination

We may suspend or terminate your account if:

• You violate these terms and conditions
• You engage in fraudulent or suspicious activities
• You do not meet verification requirements
• Competent authorities require it

21. Fraud Prevention and Compliance Support

QTapp implements technological identification, security, fraud-prevention, and monitoring controls aimed at preventing misuse of the platform. Such controls do not imply that Yusol is a financial institution or an obligated subject under the AML provisions applicable to Financial Technology Institutions (ITFs).

The Financial Institution is responsible for complying with the identification, monitoring, record-keeping, and reporting obligations applicable to them. QTapp may collect and transmit information and documentation to them, and may apply technological restrictions when they so request or when it detects fraud, security, or illicit-use risks.

QTapp may provide information to the authorities where there is a legally valid requirement to do so.

21.1 Express User Consent

The user grants express consent for their personal data, including identification and verification data, to be processed for the purposes of:

• Customer identification and knowledge (KYC)
• Anti-money laundering and terrorism financing prevention (AML/CFT)
• Compliance with applicable legal and regulatory provisions

22. Service Cancellation

The user may request cancellation of their access to the platform under the procedures established in the application or by contacting support.

The user is advised to transfer any available balance before proceeding with account cancellation.

23. Contact

For questions about these terms:

24. Applicable Law and Jurisdiction

These terms are governed by the laws of the United Mexican States. Any dispute will be resolved in the competent courts of Mexico City.