SPECIFIC TERMS AND CONDITIONS FOR THE BIT2ME EARN SERVICE
Last updated: 06/30/2026
TABLE OF CONTENTS
- Introduction and purpose
- Definitions
- Capital and delivery
- Loan duration. Maturity
- Ordinary interest
- Loan settlement and repayment by the Lender
- Early loan repayment by Bit2Me
- Early maturity and repayment due to breach of contract
- Fees and withholdings
- Assignment
- Right of withdrawal
- Contract modification and partial nullity
- Suspension of obligations and limitation of liability
- Data protection
- Prevention of Money Laundering and Terrorist Financing (AML/CTF)
- Specific risk warning for EARN
- Applicable regulations
- Jurisdiction and applicable law
Introduction and purpose
This contract ("Contract") is entered into between BITCOINFORME, S.L. with NIF: B54835301 and registered address at C/ Germán Bernácer 69, 03203 - Elche, Alicante, a company belonging to the Bit2Me Group (hereinafter "Bit2Me" or "Borrower") and the lending party, hereinafter (the "Client" or "Lender") through the Client's acceptance of these Terms and Conditions.
These Terms and Conditions regulate the specific conditions of the crypto asset loan contract offered through the Bit2Me Earn product, and establish the rights and obligations that will govern the contractual relationship between the Client and Bit2Me in relation to the crypto asset loan operation regulated in this document (hereinafter, the "Contract" or the "Loan").
The purpose of this Contract is to regulate the terms and conditions applicable to the loan operation by which the Client transfers certain crypto assets to Bit2Me as a loan, with Bit2Me committing to return to the Client an equivalent amount of crypto assets of the same type and quantity within the deadlines and conditions established in this Contract, together with the agreed remuneration in the form of interest.
This Contract shall only take effect when the following conditions are cumulatively met:
That the Client has registered on the Bit2Me platform and has accepted Bit2Me's General Terms and Conditions.
That the Client declares and guarantees that the crypto assets used within the framework of this Contract are of their legitimate ownership or that they are fully authorized to dispose of them, without restrictions or limitations.
That the Client acts on their own behalf and for their own benefit, and not on behalf or representation of third parties, unless they have complied with the identification and verification requirements demanded by applicable regulations.
That the crypto assets contributed to the Contract are free of any claim, debt, charge, encumbrance, or third-party rights.
That the Client has satisfactorily completed the identification and verification procedures established by Bit2Me in accordance with applicable regulations on the prevention of money laundering and terrorist financing.
That the Client is not a citizen, resident, or established in jurisdictions regarding which Bit2Me has restricted or prohibited access to this product in accordance with applicable regulations or its internal policies.
By accepting these Terms and Conditions, the Client declares and acknowledges that they comply with all the aforementioned conditions. Should Bit2Me determine that the Client does not comply or has ceased to comply with any of the above requirements, Bit2Me may suspend operations linked to this Contract and, where applicable, limit or cancel the Client's access to the Bit2Me Earn product in accordance with the provisions of the General Terms and Conditions of the Platform.
Likewise, Bit2Me may at any time and for justified reasons, including compliance with legal or regulatory obligations:
reject the Client's application to use the services of the Bit2Me Earn product;
modify the conditions applicable to the contracting of this Contract;
suspend totally or partially the operations associated with the Bit2Me Earn product;
modify, update or delete any feature of the product when necessary for technical, operational or regulatory reasons.
Without prejudice to its classification as a loan agreement under Spanish civil law, Bit2Me will develop this product in accordance with the regulations applicable to its activity at all times, including regulations on the prevention of money laundering and terrorist financing, data protection regulations, consumer and user protection regulations, and any other legal or regulatory provisions that may be required.
The transfer of crypto assets made by the Client under this Contract will imply the full transfer of ownership of said crypto assets to Bit2Me, which may freely dispose of them during the term of the Contract.
As a consequence of said transfer, the Client will exclusively hold a right of credit against Bit2Me for an equivalent amount of crypto assets of the same type and quantity as those delivered, together with the corresponding interest as provided in these Terms and Conditions.
This Contract exclusively regulates access to and use of the Bit2Me Earn product in its current configuration.
The Client acknowledges that this product constitutes an independent service, distinct from any services previously provided by Bit2Me or entities within its group.
Consequently, this Contract does not imply the novation, subrogation, or assumption of obligations or liabilities arising from previous services, which shall be governed, where applicable, by their own terms and conditions.
Definitions
Principal Credit/Loan: Accounting entry by which Bit2Me credits the Client the amount corresponding to the principal of the loan or its repayment, in accordance with the conditions provided in this Contract.
Contract: These Terms and Conditions governing the contractual relationship between Bit2Me and the Client in relation to the Bit2Me Earn product.
Partial Settlement: Operation by which the Client requests a partial repayment of the accumulated balance corresponding to a specific loan operation, including the principal and accrued interest up to the settlement date, without withdrawing the entire existing balance in that operation.
Full Settlement or Loan Cancellation: Operation by which the Client requests a full repayment of the accumulated balance corresponding to a specific loan operation, including the principal and accrued interest, withdrawing all crypto assets associated with that operation.
Principal/Loan Increase: Operation by which the Client increases the amount of crypto assets loaned to Bit2Me within the framework of an already existing loan operation.
Interest Settlement: Accounting entry by which accrued interest on a loan operation is credited to the Client's account, and may be incorporated into the loan balance when permitted by the product's operation.
Loan Repayment: Operation by which the principal of the loan is fully or partially returned to the Client, along with the corresponding accrued interest, in accordance with the conditions established in this Contract.
Regulations: Any constitution, treaty, law, regulation, directive, European regulation, administrative provision, judicial or administrative resolution, order, decree, license, authorization, or any other legal or regulatory requirement issued by a competent authority, as well as any modification or update thereof.
Bit2Me Platform: Any official website, mobile application, or digital channel operated by Bit2Me, including the content, functionalities, and services available through them, as well as their updates, improvements, or subsequent versions.
Loan: Operation by which the Client transfers certain crypto assets to Bit2Me as a loan, with Bit2Me committing to return to the Client an equivalent amount of crypto assets of the same type and quantity together with the corresponding interest, as provided in this Contract.
Capital and delivery
The capital subject to the loan must be delivered by the Lender in crypto assets. The crypto assets that may be subject to this loan (hereinafter, the "Crypto Assets") will be those enabled at any time for the Bit2Me Earn product through the Bit2Me Platform.
The identification of the available Crypto Assets, as well as the economic conditions applicable to each of them, including, where applicable, the corresponding interest rate or remuneration, will be displayed on the Platform prior to the formalization of each operation, so that the Lender can know the applicable conditions before making the corresponding transfer.
The Lender declares and guarantees that the Crypto Assets delivered under this Contract are of their legitimate ownership or that they are fully authorized to dispose of them, and that said Crypto Assets are free of any charge, encumbrance, limitation, or third-party rights.
Any Crypto Asset not expressly enabled on the Platform for the Bit2Me Earn product will not be subject to this Contract nor will it generate any right within its framework.
Prior to subscribing to this Contract, the Lender must be registered as a user of the Bit2Me Platform and have a wallet associated with their account, through which they can transfer the Crypto Assets subject to the loan and receive, where applicable, the corresponding interest, as provided in Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES.
The Lender will transfer the quantity of Crypto Assets selected on the Platform to Bit2Me by means of an order executed from their wallet to the wallet designated by Bit2Me for this purpose.
Once said transfer is made, the Crypto Assets will become part of Bit2Me's assets under the terms provided in this Contract, with Bit2Me acquiring the right to freely dispose of them during the term of the loan.
Bit2Me undertakes to return to the Lender, under the terms and conditions established in this Contract, an equivalent amount of Crypto Assets of the same type and quantity as those received as a loan, together with the corresponding interest as provided in these Terms and Conditions.
Bit2Me will conduct the operations of this product in accordance with applicable regulations, including those related to the prevention of money laundering and terrorist financing.
Bit2Me may use its own technical infrastructures or those of companies within its group, as well as external providers, for the operational management, administration, or economic use of the crypto assets received as a loan, without altering the status of BITCOINFORME, S.L. as the sole borrower vis-à-vis the Client.
Loan duration. Maturity
The loan will have an initial duration of eighteen (18) months, automatically renewable for successive periods of eighteen (18) months, unless either Party communicates its intention not to renew it as provided in this Contract.
The initial duration of eighteen (18) months provided in this clause regulates the general term of the contractual relationship between the Parties and the availability of the Bit2Me Earn product, without prejudice to the Client's and Bit2Me's right to request or execute early settlements, repayments, or cancellations at any time in accordance with the provisions of these Terms and Conditions.
In case of early repayment or cancellation of the loan by Bit2Me, it must return to the Lender an equivalent amount of crypto assets of the same type and quantity as those received as a loan, together with the interest accrued up to the effective date of repayment or cancellation, applying any legally required tax withholdings, if applicable.
Ordinary interest
This crypto asset loan agreement establishes that Bit2Me will pay the Lender remuneration in the form of interest as consideration for the crypto assets delivered as a loan.
Interest will be calculated on the amount of the capital loaned in accordance with the economic conditions applicable to each crypto asset and each specific operation, which will be available at all times on the Bit2Me Platform prior to the formalization of the operation.
Interest will accrue on the outstanding loan principal and may be calculated through automated periodic accumulation processes according to the operational parameters established on the Platform.
The annual nominal interest applicable to each operation may be composed of the following elements:
Base Interest: Each crypto asset available in the Bit2Me Earn product may have a base interest rate associated with the loaned capital, which will be published on the Bit2Me Platform at all times. In no case will the base interest rate published for an operation be less than 0.01% per annum, unless applicable regulations or specific product conditions dictate otherwise.
Space Center Bonus: The applicable interest rate may be increased by bonuses associated with the Client's loyalty level within Bit2Me's Space Center program. Applicable bonuses will be displayed on the Bit2Me Platform at all times.
Variable Interest: Bit2Me may apply a variable interest component that will depend on market conditions, product demand, liquidity availability, financing conditions, or risk management criteria associated with the product. This component may vary during the life of the loan and will be reflected on the Bit2Me Platform.
Accrued interest may be incorporated into the loan balance according to the product's operation, potentially generating an Annual Percentage Yield (APY) based on periodic interest capitalization.
The interest rate applicable to each operation, as well as any bonus or variable component, will be visible at all times on the Bit2Me Platform before the operation is formalized. The frequency of interest settlement or payment will be indicated on the Platform for each crypto asset and may be daily, weekly, or at whatever frequency is established at the time.
Interest will be paid in the same type of crypto asset as the loan or, when the Platform allows and the Client expressly selects it, in B2M token. The economic conditions published on the Platform are for informational purposes and may change depending on market conditions, and do not constitute a guarantee of future profitability.
Loan settlement and repayment by the Lender
Full repayment
The Lender may at any time request the full repayment of the loan granted to Bit2Me by submitting the corresponding request through the Bit2Me Platform.
Once the repayment request is made, interest will cease to accrue on the amount subject to settlement, and the corresponding amounts, including the loaned principal and accrued interest up to the date of the request, will be calculated and settled in accordance with the economic conditions applicable to the product and the provisions of the clause regarding Ordinary Interest of these Terms and Conditions.
Bit2Me will effect repayment to the Lender by returning an equivalent amount of crypto assets of the same type and quantity as those received as a loan, together with the corresponding interest, within an estimated period of one (1) to five (5) business days from the receipt of the request, unless technical, operational, or security circumstances justify a reasonable extension of said period.
The amounts paid will be subject, where applicable, to the applicable tax withholdings as established in the corresponding clause of these Terms and Conditions.
Partial repayment
The Lender may also request partial repayments of the loan through the Bit2Me Platform.
In case of partial repayment, accrued interest will be calculated proportionally to the amount subject to settlement up to the date of the request.
The remaining principal will continue to accrue interest in accordance with the economic conditions applicable to the product and as provided in these Terms and Conditions.
Information and breakdown
The Lender will have permanent access, through the Bit2Me Platform, to a detailed breakdown of the operations carried out, including the loan balance, accrued interest, repayments made, and tax withholdings applied, in accordance with applicable regulations.
Early loan repayment by Bit2Me
Bit2Me, in its capacity as Borrower, may at any time proceed with the full or partial early repayment of the crypto asset loan, without incurring any penalty for the Lender.
To exercise this right, Bit2Me will notify the Lender, through the Bit2Me Platform or other communication channels enabled therein, of its intention to proceed with the early repayment of the loan with a minimum notice of five (5) business days prior to the effective repayment date, unless technical, operational, or regulatory circumstances justify the adoption of immediate measures.
The notification must expressly indicate whether the repayment is full or partial and, in the latter case, the specific amount subject to repayment.
In case of full repayment, Bit2Me will return to the Lender an equivalent amount of crypto assets of the same type and quantity as those received as a loan, together with the interest accrued up to the effective repayment date, applying any legally required tax withholdings, if applicable.
In case of partial repayment, Bit2Me will return to the Lender the proportional part of the repaid principal, together with the corresponding interest accrued up to the effective repayment date, while the remainder of the loaned capital will continue to generate interest as provided in these Terms and Conditions.
In case of full repayment, this Contract will be considered terminated once the full repayment of the loan and the corresponding interest has been made, without prejudice to any fiscal or other obligations that may subsist under applicable regulations.
The Lender will have permanent access, through the Bit2Me Platform, to an updated breakdown of the operations carried out, including the loaned capital, accrued interest, repayments made, and tax withholdings applied.
In case of a technical incident or error in the repayment process, the Parties undertake to cooperate in good faith for its prompt rectification and for the correct execution of the corresponding operations.
Early maturity and repayment due to breach of contract
In case of serious breach by the Lender of any of the obligations established in this Contract, in the General Terms and Conditions of the Bit2Me Platform, or in applicable regulations, Bit2Me may declare the early maturity of the loan and proceed with its full repayment.
In such a case, Bit2Me will notify the Lender of this circumstance through the Bit2Me Platform or other communication channels enabled therein.
As a consequence of the early maturity, Bit2Me will proceed to return to the Lender an equivalent amount of crypto assets of the same type and quantity as those received as a loan and pending return, together with the interest accrued up to the effective repayment date, applying any legally required tax withholdings, if applicable.
Early repayment resulting from breach of contract will not entail a penalty for the Lender regarding the amounts to be returned under this Contract.
The foregoing is without prejudice to any legal actions that Bit2Me may take to claim damages arising from the Lender's breach, as well as any other measures that may be necessary to ensure compliance with applicable regulations or the protection of the Platform and its users.
Should the loan be fully repaid as a result of early maturity, this Contract will be considered terminated once the corresponding repayment has been made.
Fees and withholdings
Personal Income Tax (IRPF) withholding
In accordance with current tax regulations in Spain, interest generated under this crypto asset loan agreement may be subject to withholding tax on Personal Income Tax (IRPF) or other applicable taxes according to current tax regulations.
Bit2Me will, where appropriate, apply the corresponding withholding tax on the interest settled to the Lender, acting as the withholding agent, and will proceed to pay it to the Spanish Tax Agency (AEAT) or the competent tax authority.
For the purposes of this contract, withholding tax shall be understood as the amount that Bit2Me must deduct from the interest settled to the Lender and pay directly to the corresponding tax authority in compliance with applicable tax regulations.
The withholding will be applied at the time the interest is effectively settled in favor of the Lender, which will occur when the Lender requests the full or partial repayment of the loaned capital together with the accrued interest.
In case of partial repayment, the withholding will be applied proportionally to the interest included in the amount subject to settlement, in accordance with the calculation criteria established by Bit2Me and visible on the Platform.
Bit2Me will provide the Lender, when applicable, with the certificate of withholdings and payments on account in accordance with current tax legislation.
The Lender will be responsible for fulfilling their tax obligations derived from the interest obtained under this contract, including the correct declaration of the received interest in their corresponding tax return.
Bit2Me will not assume any responsibility regarding the fulfillment of the Lender's tax obligations, beyond the application and payment of legally required withholdings.
Any modification to the applicable tax regulations will be automatically applied from its entry into force and may be communicated to the Lender through the Bit2Me Platform or by other enabled communication means.
The Lender may at all times view the balance of generated interest through the Bit2Me Platform. However, such interest will only be considered settled and subject to tax withholding at the moment of its full or partial repayment together with the corresponding principal.
Withholding applicable to non-tax residents in Spain
Generally, Bit2Me will apply a 19% withholding on interest settled to Lenders who do not prove their tax residency in Spain, in compliance with its obligations as a withholding agent under the Revised Text of the Non-Resident Income Tax Law (IRNR) and other applicable tax regulations.
Notwithstanding the foregoing, a Lender wishing to benefit from an exemption or reduced withholding rate must provide, prior to the interest settlement, a valid tax residency certificate issued by the competent tax authority of their country of residence. Said certificate will be subject to internal review and validation by the Bit2Me team, who, once its authenticity and validity have been verified, will proceed to apply the corresponding tax treatment on the Platform. The tax residency certificate will have a maximum validity of twelve (12) months from its date of issue, after which the Lender must provide a new one to maintain the applied tax treatment.
In the absence of a valid or current certificate, Bit2Me will generally apply the 19% withholding.
Fees
There will be no additional fees or commissions charged to the Lender in relation to this contract, except for those expressly provided for in these Terms and Conditions or those that may arise from the operation of the blockchain networks used for the transfer of crypto assets, such as network fees or gas fees, which will be informed to the Lender in advance through the Bit2Me Platform.
Assignment
Bit2Me may assign, transfer, or convey, totally or partially, this Contract or any of the rights and obligations derived therefrom to any company belonging to the Bit2Me Group, including in particular cases of corporate reorganization, group restructuring, or transfer of the activity or business related to the Bit2Me Earn product.
Such assignment will not affect the Lender's rights recognized in this Contract.
Bit2Me will inform the Lender of such assignment through the Bit2Me Platform or by any other enabled communication means, it being understood that the new assignee will fully assume the obligations arising from this Contract under the same terms and conditions.
Right of withdrawal
The Lender (Client) shall have the right to withdraw from this Contract without giving any reason within a period of fourteen (14) calendar days, commencing from the date of conclusion of the Contract or from the activation of the first loan operation within the Bit2Me Earn product.
The right of withdrawal may be exercised through the Bit2Me Platform or by means of the communication channels enabled by Bit2Me for this purpose.
In case of exercising the right of withdrawal, Bit2Me will proceed to return to the Lender an equivalent amount of crypto assets of the same type and quantity as those received as a loan, together with the interest accrued up to the effective date of repayment, applying any legally required tax withholdings, if applicable.
The repayment will be made without undue delay and, in any case, within a maximum period of fourteen (14) calendar days from Bit2Me's receipt of the withdrawal request.
Bit2Me may not demand any expenses, commissions, or penalties from the Lender for exercising the right of withdrawal, except for the costs inherent to the operation of the blockchain networks used for the transfer of crypto assets, which, if applicable, will be duly informed to the Lender through the Bit2Me Platform.
Contract modification and partial nullity
Bit2Me may modify these Terms and Conditions when there is a justified reason to do so. Justified reasons shall include, among others:
the entry into force of legal or regulatory provisions affecting the service or Bit2Me's activity;
significant changes in the technological environment or in the crypto asset market requiring adaptation of the service;
the introduction of technical or operational improvements or new functionalities in the Bit2Me Earn product.
Any modification to these Terms and Conditions will be communicated to the Client through the Bit2Me Platform, the email associated with their account, or any other enabled communication means, with a minimum of fifteen (15) calendar days' notice before its effective date.
Said communication will inform the Client of their right to terminate the Contract without any cost before the effective date of the modification.
If the Client does not communicate their intention to terminate the Contract and continues to use the Bit2Me Earn product after the modifications come into effect, they will be deemed to have accepted the new contractual conditions.
This Contract constitutes the entire agreement between the Parties in relation to the Bit2Me Earn product and supersedes any prior agreement, communication, or understanding related thereto.
The failure of either Party to exercise a right recognized in this Contract at any given time shall not be interpreted as a waiver of that right, and they may exercise it later.
If any provision of this Contract is declared totally or partially null, invalid, or unenforceable, such circumstance will only affect the provision or the part thereof that is affected, with the rest of the Contract remaining fully valid and effective.
In such a case, the Parties will endeavor to replace the affected provision with another valid one that reflects, as far as possible, the economic and legal purpose of the originally agreed clause.
Suspension of obligations and limitation of liability
Without prejudice to the provisions of Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES, neither Party shall be liable to the other for indirect damages, loss of profit, loss of income, loss of benefits, loss of data, or damages of a similar nature arising from the execution of this Contract, except in cases of willful misconduct or gross negligence or when such liability is required by applicable regulations.
Bit2Me will be solely responsible for the correct provision of the service in accordance with these Terms and Conditions. In no case will Bit2Me be responsible for the improper use of the Client's account, including unauthorized use resulting from a lack of diligence in the safekeeping of their access credentials, it being the Client's responsibility to maintain the confidentiality and security of said credentials.
In exceptional situations that may compromise the security of funds, the integrity of the Platform, or the operational stability of the service, Bit2Me may temporarily suspend the settlement of interest and the repayment of crypto assets.
For the purposes of this clause, causes that may justify the temporary suspension of the service include, among others:
the detection of a cyberattack or security incident that compromises or could compromise Bit2Me's systems or the security of client funds;
the existence of an order or requirement issued by a competent judicial, administrative, or regulatory authority;
the existence of serious technical failures in the blockchain networks used or in the underlying protocols that prevent or compromise the secure execution of transactions;
the suspension of withdrawals, insolvency, or serious operational issues of an external provider, custodian, or technological infrastructure used by Bit2Me;
any other extraordinary, unforeseeable circumstance beyond Bit2Me's reasonable control that significantly compromises the secure, continuous, or regulatory-compliant provision of the Bit2Me Earn service.
Bit2Me will act at all times in a proportionate and good faith manner, limiting the suspension to the strictly necessary scope and duration and keeping affected Clients informed about the evolution of the incident and the measures adopted.
The suspension will be limited to the time strictly necessary to resolve the incident, and Bit2Me will take all reasonable measures to restore the service as soon as possible.
Should the situation that led to the suspension persist for a significant period, Bit2Me will inform affected Clients through the Platform or usual communication channels, providing information on the status of the incident and, when possible, a reasonable estimate for service restoration.
Data protection
In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council, of April 27, 2016 (hereinafter GDPR), Organic Law 3/2018, of December 5, on Personal Data Protection and Guarantee of Digital Rights (hereinafter LOPDGDD), and any other applicable data protection regulations, the privacy and right to data protection of users and consumers will be respected at all times, providing transparent, concise, intelligible, and easily accessible information about the means, purposes, operations, and any other details associated with the processing of their data.
The processing of data by Bit2Me will always be carried out in its capacity as data controller. By contracting the services, the Client explicitly accepts the processing of their data as described in Bit2Me's Privacy Policy at https://Bit2Me.com/es/legal/privacidad.
The Client has the right to access their personal data, rectify inaccurate data, or request the deletion, restriction, opposition, and portability of their data. To do so, they must send a communication, expressly indicating the right they wish to exercise. It is reminded that they have the right to lodge a complaint with the Spanish Data Protection Agency and may object to data processing for commercial purposes. For any matter related to the processing of personal data by BIT2ME, they may contact the Data Protection Officer (DPO) at the following email address: dpd@bit2me.com.
Prevention of Money Laundering and Terrorist Financing (AML/CTF)
Bit2Me is an entity subject to Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing, as well as its implementing regulations, and complies with the obligations established therein.
In accordance with the GENERAL TERMS AND CONDITIONS OF SERVICES of Bit2Me, Bit2Me may carry out the necessary checks and controls for the prevention of money laundering, terrorist financing, and other financial crimes.
The Client undertakes to provide the information and documentation requested at any time, both during the registration process and throughout the contractual relationship, including that necessary to ascertain the purpose and nature of the business relationship.
Bit2Me may request additional information or documentation at any time, directly or through third parties, when necessary for the fulfillment of its legal obligations.
Failure to provide the requested information, providing incomplete or incorrect information, or the existence of indications of money laundering or terrorist financing may lead to the suspension of operations, limitation of access to the service, or termination of this Contract, without prejudice to any other measures that may be required by applicable regulations.
Specific risk warning for EARN
Applicable regulations
This Loan contract shall be governed by (i) the provisions of these Terms and Conditions and, failing that, by the (ii) GENERAL TERMS AND CONDITIONS OF BIT2ME SERVICES; (iii) by the current Spanish regulations applicable for this purpose.
Jurisdiction and applicable law
These Terms and Conditions shall be governed by and interpreted in accordance with Spanish law, in particular, with the rules regulating loan contracts and crypto asset operations, without prejudice to specific provisions that may be applicable regarding the prevention of money laundering and terrorist financing, personal data protection, and other consumer and user protection regulations.
In case of any dispute or discrepancy that may arise in the interpretation or execution of these Specific Terms and Conditions, the parties expressly submit to the jurisdiction and competence of the Courts and Tribunals of the lender's city of residence, waiving any other jurisdiction that may correspond to them, unless applicable regulations imperatively establish another forum or jurisdiction.
The parties agree that any legal proceedings shall be conducted in Spanish and that this will be the reference language for the interpretation of these conditions and for the resolution of any conflict arising therefrom.
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