Terms & Conditions (Global Account - Business)
Below are presented the terms and conditions (hereinafter, the "Terms and Conditions"), which constitute the contractual agreement between Pier 5, S.A. de C.V. (the "Company") and the User, for the use of the Platform and, in general, of the services offered by the Company.
Please review the following Terms and Conditions ("Business"). By accepting them, or by accessing or using the product, you acknowledge and expressly accept that you have read, understood and accept in full the content of these Terms and Conditions.
These Terms and Conditions apply to the use of the Business product available at the domain https://www.arqfinance.com/business and https://business.arqfinance.com/, which is included as part of the Platform.
The Company is an enterprise established in accordance with the laws of the United Mexican States ("Mexico"), with domicile at Paseo de la Reforma 296, piso 14, suite 1400, Colonia Juárez, Alcaldía Cuauhtémoc, C.P. 06600, Ciudad de México, México, and electronic address business.support@arqfinance.com, or through the chat available on the Platform, available Monday through Friday from 9:00 a.m. to 5:00 p.m. (GMT-6 / Mexico City time).
To learn how we treat personal data, rights thereon, and the use of cookies, we invite you to consult our Privacy Notice available on the Platform.
Before consenting to these Terms and Conditions, the legal representative of the User expressed their willingness to share personal data with the Company so that it may be treated in accordance with what is set forth in the Privacy Notice.
Consequently, by accepting these Terms and Conditions, the legal representative of the User accepts the Privacy Notice and other policies available through the Platform, understanding that such data will be treated for the purposes of the services provided by the Company and described in these Terms and Conditions.
1. Definitions
Terms with initial capital letters shall have the meanings assigned below:
"Privacy Notice": The privacy policy available on the Platform.
"Content": As defined in Section 5 of these Terms and Conditions.
"Company Account": The account or wallet opened by the Company in favor of the User in accordance with these Terms and Conditions.
"Settlement Account": The account, in the name of the Company, denominated in Mexican pesos or United States dollars, opened with Third-Party Partners, through which Users will settle the acquisition of Digital Dollars by sending pesos or dollars through the Platform.
"User Account": The account that the User maintains with a national or foreign financial institution through which funds will be transferred to settle purchases or sales of Digital Dollars instructed to the Company.
"Virtual Assets": Cryptocurrencies or digital assets denominated as stablecoins, as defined in Section 2 of these Terms and Conditions.
"The Company": Pier 5, S.A. de C.V.
"Mexico": The United Mexican States.
"Platform": The website https://business.arqfinance.com/, its subdomains, the mobile application, and any website and platform currently or in the future owned by the Company.
"Reward" ("cashback" or "bonus"): A price reduction granted by the Company at the time of sale in accordance with a commercial agreement, accumulated by the Client—for example, a volume discount—in accordance with these Terms and Conditions, including any credit card that the Company may offer to its Users.
"Third-Party Partners": Any person involved in Digital Dollar operations between Users and such third parties, supported by the Company's technology.
"Terms and Conditions": These present terms and conditions, available on the Platform.
"User": Any natural or legal person who registers through the Platform.
"Fees": Charges and rates that the Company will charge the Client as indicated on the Platform.
“Digital Dollars”: Digital asset that the Client acquires and holds through the Company in accordance with the corresponding terms and conditions, whose value is backed by U.S. dollars.
“Digital Euros”: Digital asset that the Client acquires and holds through the Company in accordance with the corresponding terms and conditions, whose value is backed by euros.
2. Digital Assets
The User accepts and acknowledges that, for purposes of these Terms and Conditions, cryptocurrencies or digital assets classified as stablecoins will be used. These are characterized by being backed by fiat currencies or other assets that support their value ("Virtual Assets"), and may be denominated as Digital Dollars or Digital Euros, as applicable (i.e., stablecoins backed by U.S. dollars and stablecoins backed by euros, respectively).
Given the foregoing, it is stated that stablecoins, by being tied to other assets, tend to have lower volatility or show price stability; however, the Company does not guarantee such stability. Notwithstanding the above, and with the objective of providing the highest level of security for the User, the User expressly authorizes the Company to convert their Digital Dollars or Digital Euros, as applicable, into other currencies or assets when market conditions are disorderly, highly volatile or adverse—although this will not constitute an obligation for the Company.
The Company also informs the User that it is not the issuer nor the custodian of the Digital Dollars or Digital Euros, as applicable. It acts solely as a provider of information technology that enables their acquisition through their respective issuers and/or suppliers. The Company's technology identifies the best offers to buy and sell Digital Dollars or Digital Euros, as applicable, for the benefit of the User, in relation to the operations that the User intends to perform.
3. Transactions
a. Purchase and Sale
Through the use of the Platform, the User shall expressly instruct the Company to purchase or sell Digital Dollars or Digital Euros, as applicable, after making payment, and expressly authorizes the Company to buy or sell, on their behalf, the amount of Digital Dollars or Digital Euros, as applicable, that corresponds to the funds paid by the User.
In this context, funds will be received in the Settlement Account and will be reflected in the Company Account. The settlement of operations will be carried out in the currency accepted by the Company, as required by the User, and at the equivalent value in Digital Dollars or Digital Euros, as applicable. If settlement is performed in United States dollars or euros of the European Union, the User must, as applicable, accept the terms and conditions of the administrator of the Settlement Account.
Any settlement of Digital Dollars or Digital Euros, as applicable, will be processed through the Settlement Account and will be reflected in the User Account.
b. Transfers
The User may also instruct transfers of Digital Dollars or Digital Euros, as applicable, to other Company Accounts through the Platform and through Third-Party Partners. The Company's role is strictly limited to monitoring and recording such operations, regardless of the actions taken by Third-Party Partners.
c. Operation Limits
The Company may limit the maximum amount for purchases of Digital Dollars or Digital Euros, as applicable, up to an amount to be defined per calendar month if so required by an Allied Third Party. If the User wishes to increase the limit that may be established, the User must justify the origin of the intended transaction.
The Company may offer a credit card under its own applicable terms and conditions, and express acceptance will be required for its issuance and use.
d. Transaction History
Through the Platform, the Company provides a record of activity of the Company Account, which shall include:
type of operation,
date of the operation, and
balance in Digital Dollars or Digital Euros, as applicable.
e. Company's Role
The Company's participation in operations is strictly limited to providing the technological tools that enable the User to perform operations with Digital Dollars or Digital Euros, as applicable, safely, transparently and for the benefit of the User.
In this sense, the Company is an information technology provider focused primarily on facilitating the purchase and sale of Digital Dollars or Digital Euros, as applicable, through Third-Party Partners that enable operations with virtual assets. The Company does not perform currency exchange operations, purchase, sale or conversion of currencies; does not receive, manage or capture resources from the public, nor does it enter into credit operations, loans or others that generate direct or contingent liabilities for the Company. It does not process transfers, nor offers investment services or advice, nor performs any other activity regulated under applicable legislation with its Users. The Company is limited to the services described in these Terms and Conditions.
The operations instructed by the User will be executed at the moment of instruction, regardless of the response times of the Third-Party Partners or of the User's financial institution.
f. Rewards
The Company reserves the right and may, at its sole discretion, grant Rewards or bonuses to Users who activate the corresponding option on the Platform. These are accumulative by Users. The Company may modify the terms and conditions that govern such Rewards or bonuses from time to time, as indicated in the modifications section of these Terms and Conditions.
4. Non-Discrimination
The Company does not deny or condition its services based on gender, nationality, ethnicity, sexual orientation, religion, political affiliation, disability or any other factor. The Company does not tolerate any form of preference or discriminatory practice and will take measures in this regard.
5. Costs and Fees
Commissions are applied as established in the "Costs and Commissions" section of the Platform. Upon receiving the service, the User accepts to pay the corresponding Commission, which will be deducted directly from the Company Account. Commissions may vary over time, and any change will be communicated to the User.
In all cases, the Company will issue Digital Invoices for the Internet (CFDI), that is, electronic invoices related to the income obtained, as well as for any reimbursement, discount or bonus applied.
6. Platform
a. Payment Processing Services.
(i) The Company or its affiliate ("Company Affiliate") may facilitate its payment instructions related to payment to its contractors and employees (collectively, "Contractors" and, individually, a "Contractor") for the provision of services ("Contractor Services"), or facilitate their payment to Contractors for Contractor Services through the processing of payment instructions and of Contractors ("Payment Processing Services"). In the event that the Company Affiliate decides to provide the Payment Processing Services, you must accept the contract with the Contractor ("Contractor Agreement"), which will govern the relationship between you and the Contractor.
(ii) To access certain Payment Processing Services, you must have active Banking Products with sufficient funds to carry out any payment instruction that you provide to the Company, the Company Affiliate or the Bank (through the Company or the Company Affiliate). The Company Affiliate may access information about the Banking Products and use such information for any purpose, subject to the Company Affiliate's Privacy Notice and applicable law. You authorize the Company and the Company Affiliate to disclose such information to any person to execute any payment instruction or request that you provide to the Company or the Company Affiliate. You authorize the Company and the Company Affiliate to provide any payment instruction that you issue to the Bank or any third-party payment processor, and you authorize the Bank and such processor to debit your Banking Products for payments due under the Contractor Agreement and to transfer such funds to the Contractor's designated account, as provided by the Company or the Company Affiliate. In the event that there is an error in the processing of an electronic debit, you authorize the Company, the Company Affiliate, the Bank and any payment processor to correct the error by initiating an electronic credit or debit to the Banking Products for the amount corresponding to the error on the date of the error or after the same. You understand that this authorization will remain in force and irrevocable, unless you terminate these Terms and Conditions. The Company may also revoke this authorization for any reason. The Company may terminate the Payment Processing Services if you revoke or modify the authorizations in accordance herewith. You are responsible for all collection costs and damages if you do not pay in full the amounts owed at maturity. You are solely responsible for any charge or commission incurred due to overdrafts or rejected transactions. You acknowledge and accept that all payment information, including that related to Banking Products, is accurate, current and complete, and you declare and warrant that you have the legal right to use such Banking Product.
(iii) Notwithstanding any provision to the contrary, neither the Company nor the Company Affiliate remit payments under the Contractor Agreement and are not responsible for the payment obligation to the Contractor in accordance with the Contractor Agreement. You are responsible for remitting to the Contractor the payments due under such contract, subject to its terms. Notwithstanding any provision to the contrary herein, you hereby designate the Company and the Company Affiliate to issue payment instructions to the Company Affiliate, the Bank and any payment processor used to execute a payment in accordance herewith.
b. Banking Products.
The Company Affiliate may also facilitate access to banking services, including deposit accounts, provided by the Company Affiliate's partner bank ("Bank" and such services, "Banking Products"). The use of Banking Products is subject to separate eligibility criteria and to the Bank's contract governing the Banking Products ("Banking Agreement"). The Company Affiliate makes no representation or warranty as to whether the Bank will approve or continue to provide you with a Banking Product. The Bank may deny, suspend or terminate access to Banking Products in accordance with the terms of the Banking Agreement. In the event of conflict between the Banking Agreement and these Terms and Conditions, the Banking Agreement will prevail with respect to related Banking Products. Banking Products are not offered by us, the Company Affiliate, but by the Bank. The services of the Company Affiliate may be provided to help you view, manage and access your Banking Products. Banking Products are made available by the Bank in collaboration with us. The Company Affiliate operates software that allows you to access the Bank's services, but the Company Affiliate does not provide banking services or money transmission services. All banking, lending and money transmission services are provided by the Bank. You accept that the Company Affiliate and the Bank are authorized to act in accordance with transaction instructions or any other instructions they receive under your user ID and password, and you accept that any action taken under such data will have the same effect as a signature authorizing the corresponding transaction or action. Subject to applicable law, the Company Affiliate reserves the right to deny transactions or other actions that you authorize through it without prior notice.
c. Permitted Uses
The User commits to using the Platform in a lawful, good faith manner and in accordance with these Terms and Conditions, under the following guidelines:
Enter the information and documentation necessary to carry out operations.
Request the Company Account.
Instruct the execution of operations with Digital Dollars or Digital Euros, as applicable, in accordance with these Terms and Conditions.
Consult, in real time, the status of the movements referred to in this document.
Consult the Operations Settlement Account in the corresponding currency.
Use any number or data assigned to the User under the Company's services.
Request changes to the User account or to the credit card.
Receive all types of notices, promotions, alerts, notifications and related messages.
d. Prohibited Uses
The fraudulent, abusive or bad faith use contrary to fair market practices is expressly prohibited. The User is solely responsible for the use of the Platform. Without limitation and by way of enumeration, the User acknowledges and accepts that the following are prohibited uses of the Platform and shall refrain, directly or indirectly, from engaging in any of the following:
Use the Platform in any way for unlawful purposes.
Upload, publish, transmit or allow any material or content that is unauthorized, unwanted, malicious, corrupt, harmful or contrary to the Platform and its content; that infringes copyright and/or intellectual property rights; reveals confidential information; or that is illegal, threatening, incites hatred, defamatory, discriminatory, vulgar, obscene, violates human rights or personal dignity, or lacks the express written consent of the Company.
Modify, destroy, interfere with, obstruct or eliminate any content, service, user, type of user, interaction, permission, authorization, process, exchange, information or communication within the Platform without authorization.
Collect, redirect, compile, modify, store, delete or transmit personal data or other data of users by any means without proper authorization.
Access information not intended for the User or to servers or accounts to which the User is not authorized to access.
Reproduce, duplicate, copy, use, distribute, sell, resell or exploit the Platform or the Company's services for commercial, speculative or profitable purposes without authorization.
Attempt to decipher, compile, decompile or disassemble any software or hardware related to or incorporated in the Platform.
Violate or attempt to violate the Company's security measures; explore or test system or network vulnerabilities.
Present or display false, inaccurate, incomplete or misleading information on the Platform.
Disclose or share passwords, keys or access credentials that allow access to non-public areas of the Platform or Company services with third parties, or use such credentials for unauthorized purposes.
The User acknowledges and accepts that violating any of the foregoing prohibitions may result in legal liability.
e. Links
The Platform may contain links that redirect to other websites, applications or platforms that are independent or owned by third parties. The User accepts that the Company has no control over these external sites and therefore releases the Company from any responsibility regarding the content or services provided through them, as well as from any damage or loss arising from their use.
f. Legal Capacity
By accessing the Platform, the User affirms that it is a legally constituted entity, represented by person(s) duly authorized with the capacity to accept these Terms and Conditions and be legally bound by the services provided through the Platform.
Services will only be provided to legal entities with sufficient legal representation.
Any act performed without proper authorization will bind the person who performed it. It is understood that the User grants its consent through its legal representative, who must register on behalf of the entity and demonstrate its representation in accordance with the law.
The Company reserves the right to verify the authenticity of the information provided by the User and may deny service to prevent harm, without prejudice to any liability that may correspond to those who act in contravention of these Terms.
g. Content and Continuity
The Company reserves the right to modify, suspend or permanently delete the Platform, its services or any part thereof—including content—at any time, without prior notice. The User acknowledges that the Platform may experience interruptions or errors and accepts that the Company will not be responsible for such modifications, suspensions, interruptions or failures.
When possible, the Company will endeavor to notify in a timely manner through the Platform in cases of foreseeable and measurable suspensions or interruptions.
The Company does not guarantee the accuracy, reliability, sufficiency or content of the results obtained through the Platform, except for content directly from the Company. Any third-party content must be verified and monitored by the corresponding third party, who assumes all responsibility.
If the User's rights could be affected by these causes and if they are foreseeable and under the reasonable judgment of the Company, it may notify the affected parties by any means, with notification within the Platform being considered sufficient.
h. Security
Security is very important to the Company. The best way to protect the Company Account is to enable two-step authentication (2FA). Please do so.
You are solely responsible for the security of the Company Account. You must take all reasonable and appropriate measures to maintain the confidentiality and security of your username, user ID, passwords, account access credentials, personal identification and mobile device unlock codes used to access the Platform.
7. Intellectual and Industrial Property
The User acknowledges that—without limitation—the Platform, its channels, the services, all underlying technology used in relation to the Platform and the services, as well as all software, databases, code, developments, hardware, materials, information, communication, texts, graphics, links, functionalities, domains, works of art, animations, audios, videos, photographs, trademarks, patents, logos, trade names, among others (collectively, the "Content") available on the Platform, are property of the Company or of third parties who have licensed their rights or authorized their use by the Company. Therefore, both the Platform and the Content are protected by intellectual and industrial property rights in accordance with applicable law.
By using the Platform and accepting these Terms and Conditions, the Company grants the User a non-exclusive, limited, temporary, revocable and non-transferable license to access the services and use the Platform, without implying the grant of additional rights to those expressly conferred.
Any reproduction, distribution, modification, public communication, transformation or, in general, any act of exploitation—for commercial purposes or otherwise—of the Platform and its Content is strictly prohibited without the prior and express consent of the Company. Accordingly, the Company reserves all intellectual and industrial property rights over the Platform and its Content. In no case shall access to the website, download of the mobile application, or navigation or use of the Platform be interpreted as a transfer, of any kind, by the Company of intellectual or industrial property rights.
8. Limitation of Liability
a. At your own risk
The User acknowledges and accepts that access to the Platform and the use of our services is carried out at its own risk. Consequently, the User accepts that neither the Company, nor its shareholders, directors or employees shall be responsible for any damage or loss supposedly derived from:
(i) the use or inability to access or use the Platform;
(ii) suspensions, modifications, interruptions or errors in the Platform;
(iii) loss of data, failures, malfunctions or any other problem derived from the use of the Platform.
For this reason, it is recommended and advised that the User save locally any information generated in the Platform.
b. Lawful Origin
The User declares, accepts and guarantees that, for the use of any service and in any payment made, it is using funds whose origin is known, identifiable and lawful, and that are not linked or related to illicit operations nor to persons associated with such activities.
c. Suspension and Cancellation
The Company reserves the right to suspend or cancel any service provided to the User at any time, upon detecting any form of non-compliance with these Terms and Conditions, without prior notice and without liability for the Company.
We also reserve the right, at our sole discretion, to deny or cancel any of our services and/or the User's access to the Platform for legitimate reasons, including but not limited to:
If we have reasons to believe that its activities or the use of the Services may be illegal;
If we could suffer fiscal or financial damages due to its activities in or through the service; or
If we determine, at our sole discretion, that you have used the service in a manner contrary to these Terms and Conditions.
If you decide to close the Company Account, it shall be considered closed once you have submitted the request and all funds have been withdrawn from the account. You will not be able to close the Company Account if we consider, at our sole discretion, that such closure is being carried out to evade a court order, a legal or regulatory investigation, or to avoid the payment of any amount owed to the Company.
In case of termination of the Company Account, we reserve the right to retain registration information, even after the account closure, in compliance with regulatory and compliance requirements. For more information, please consult our Privacy Notice.
9. Representations, Warranties and Indemnification
a. Representations and Warranties
The User accepts, declares and binds itself to:
Ensure that all information and documentation provided is authentic, accurate, complete, truthful, updated and reflects reality.
Immediately update its information in case of any change or upon detecting any error, in order to maintain the information with the characteristics indicated.
Have sufficient legal capacity and, in case of acting on behalf of third parties, have the appropriate authorization to bind itself in these Terms and Conditions, as well as to contract the services of the Company.
Accept that the contracting of any of the Company's services, as well as the use of the Platform, implies the total acceptance, knowledge, understanding and compliance with these Terms and Conditions.
In case of enhanced due diligence, declare that the funds come from lawful activities in accordance with applicable regulations; that it will not allow third parties to make deposits in its accounts with funds derived from illicit activities in accordance with the penal code or any standard in force in the jurisdiction where the Company operates; and that it will not conduct operations intended for such activities or on behalf of persons related to them.
Authorize the termination of any agreement, operation or contract entered into with the Company in case of non-compliance with any of the clauses of this document, and release the Company from any liability derived from false, inaccurate or erroneous information that it has provided, or from any violation of these Terms and Conditions.
b. Indemnification
The User commits to indemnify and keep harmless the Company and its shareholders against any claim, lawsuit, action, expense, legal fees and costs derived or related to any breach or violation of these Terms and Conditions.
In the event that the Company and/or its shareholders are subject to a judgment or are affected by the User's non-compliance with these Terms and Conditions, the User shall pay the Company, upon request, any amount related to such judgment, resolution, ruling or agreement.
10. General Provisions
a. Effectiveness
These Terms and Conditions are binding for all Users who visit and/or use the Platform or contract any of the services.
b. Assignment
The User may not assign this agreement, nor the rights and obligations derived from the use and/or contracting of services, without the prior and written consent of the Company.
c. Acceptance by Use
By accessing or using the Platform and/or any of its services, employing its tools, functionalities, registering as a User, collaborating in any way, or viewing any text, graphic or video through any technological device—such as a computer, mobile phone, tablet or similar—the User confirms that it has read, understood and expressly accepts, without limitations, these Terms and Conditions. If the User does not agree or does not fully comply with these Terms and Conditions, it must refrain from accessing the Platform and using any of our services.
d. Modifications
The Company reserves the right to make any modification or, as the case may be, add or substitute these Terms and Conditions through the publication of the modified, added or substituted terms in the Platform. Such changes will take effect from the moment of their publication in the Platform.
e. Availability
These Terms and Conditions will always be available to the User in the Platform for consultation.
f. Prevalence in Case of Conflict
The stipulations contained in these Terms and Conditions are binding on the parties. In case of conflict between the terms and conditions necessary for a specific service and these general Terms and Conditions, the former shall prevail for operations related to Digital Dollars, and the latter for the Company's services—always seeking to better protect the User's interests.
g. Headings
The headings in these Terms and Conditions are included solely for convenience of reference and do not affect the meaning or interpretation thereof.
h. Severability
To the extent possible, the provisions of these Terms and Conditions shall be interpreted in a manner that maintains their validity in accordance with applicable law.
Notwithstanding the foregoing, if any provision of these Terms and Conditions is considered invalid or prohibited by applicable law, such provision shall be deemed not written without affecting or invalidating the rest of the provisions. It will be attempted to apply the provision to the greatest extent permitted by law, prioritizing interpretations that prevent harm to the Company and prevent disputes among Users, obligating them to conduct themselves in good faith.
i. Entire Agreement
This agreement constitutes the entire agreement between the User and the Company. This is without prejudice to other documents, agreements, terms and conditions or additional requirements that may apply.
11. Applicable Law and Jurisdiction
The Company does not guarantee that the content is appropriate or available for use in other jurisdictions.
Unless governed by separate terms and conditions, if the User accesses the Platform from outside the territory of Mexico, it does so at its own risk and is responsible for complying with the laws applicable in its jurisdiction, as well as with the laws in force in Mexico.
These Terms and Conditions and any activity related to the use of the Platform and its services shall be governed by the laws applicable in Mexico City, Mexico, without applying—except as applicable law expressly requires—any conflict of laws principle or other foreign legal frameworks.
In case of any dispute or claim derived from the interpretation of these Terms and Conditions or from the use and/or access to the Platform and its services, the User accepts to submit to the jurisdiction of the competent courts located in Mexico City, Mexico, expressly waiving any other jurisdiction that could correspond to it by reason of its nationality, present or future domicile, or for any other cause.
Last updated: May 22, 2026
