Identification of the owner of the website

The https://www.finnosummit.com/ website (the “Site”) is operated by Finnovista Frontier Mexico SAPI de CV (“Finnosummit”).

Legal address: Av. Álvaro Obregón 213, Roma Nte, Cuauhtémoc. 06700, Mexico City, Mexico

E-mail: info@finnosummit.com

Telephone number: +52 55 44428341

Acceptance of Terms and Conditions

Accessing and using the website https://www.finnosummit.com (hereinafter, the “Site”) implies that the user (hereinafter, “User”) acknowledges having read, understood, and fully accepted these Terms and Conditions, as well as any other applicable policy included in this document.

If the User does not agree with these terms, they must refrain from using the Site or any of the services offered through it.

Modification of the Terms and Conditions

Finnosummit reserves the right to modify, update, or supplement these Terms and Conditions at any time at its sole discretion. Such modifications will be published on the Site and will take effect upon publication, unless otherwise stated.

If significant changes are made, Finnosummit may notify Users through a prominent notice on the Site or other reasonable means. However, it is the User’s sole responsibility to periodically review the Terms and Conditions to stay informed of updates.

Finnosummit is not responsible for typographical errors, omissions, or outdated information that may arise in the publication of the Terms and Conditions. Continued use of the Site after any modification constitutes acceptance of such modifications.

Privacy Policy

Finnosummit is committed to protecting the privacy and security of Users’ personal data. All information related to the collection, use, and protection of personal data is detailed in our Privacy Policy, available at the following link: Privacy Policy.

By using this Site, the User agrees that their data will be processed in accordance with the terms established in that policy. We encourage Users to review the Privacy Policy for more information about how Finnosummit handles their data.

Nature of Services

Finnosummit is dedicated to fostering innovation in the Fintech and financial industries through organizing various activities and generating specialized content. These activities include events, startup programs, content, and reports aimed at driving transformation in the financial ecosystem in Latin America.

Key activities include organizing in-person and digital events that bring together the financial innovation community. These gatherings provide opportunities for learning, collaboration, and networking and include conferences, panel discussions, and interactive spaces in both physical and digital formats. More information about our events is available under Events.

Finnosummit also develops programs specifically designed for Fintech startups to boost their growth. These programs foster strategic partnerships among entrepreneurs, investors, financial institutions, and leading technology corporations, generating a significant impact on the ecosystem. Details about these programs can be found under Startup Programs.

Finally, Finnosummit is committed to research and generating insights that advance the knowledge and understanding of financial innovation. This includes producing specialized content, high-quality reports, and strategic analyses on Fintech and financial innovation in Latin America. For more information about our research, visit Insights & Research.

Purchase Process, Access, and External Platforms

For managing access to events, participation in programs, and downloading content such as research, insights, radars, and reports, Finnosummit uses specialized external platforms. These platforms may include free and paid services, depending on the case.

For paid services, the external platforms are responsible for processing payments, including managing payment methods such as credit cards, debit cards, and electronic transfers. Policies related to payments, refunds, and security are exclusively subject to the terms and conditions established by the respective platforms.

However, Finnosummit acknowledges its responsibility for the final delivery of the services offered. In exceptional situations where payment, refund, or access issues cannot be resolved directly through the external platform, Users may contact Finnosummit via email at info@finnosummit.com for additional assistance. Finnosummit will evaluate the situation in accordance with these Terms and Conditions and, at its discretion, may manage refunds, credits, or other solutions, always within the applicable deadlines and tax regulations in Mexico.

Users are encouraged to carefully review the terms and conditions of the external platforms before making any transactions, as these will be primarily responsible for managing payments and refunds.

Invoicing

Finnosummit is committed to issuing invoices for purchases made through third-party platforms used for ticket and service sales. Users must request their invoice within the same calendar month in which the purchase was made. Once this period has passed, invoicing requests will not be processed.

Although Finnosummit is responsible for issuing invoices, we use third-party platforms to facilitate this process. Therefore, Users must make the request directly through the platform used to purchase the ticket or service. In case of issues that cannot be resolved with the platform, Users may contact Finnosummit by sending an email to info@finnosummit.com. We will act as a liaison to resolve the issue as much as possible.

In cases of special invoicing requirements that cannot be managed directly through the external platform, Finnosummit’s team will work with the User to evaluate and address the request. These cases will be addressed individually, always respecting the applicable tax laws in Mexico.

Additionally, in specific situations, an invoice may be issued before payment for the service is made. This process requires coordination with Finnosummit’s sales team and the customer service staff of the external platform used. Once the invoice is issued, the User must complete payment within the established deadline to formalize the acquisition of the service or ticket.

Invoices may be modified, provided the request is made within the same calendar month the original invoice was issued and complies with applicable tax laws in Mexico. According to the Código Fiscal de la Federación, electronic invoices (CFDI) may be canceled within the same fiscal year, provided the recipient accepts the cancellation and a new invoice with the correct details is issued. Invoices will not be issued for purchases made outside authorized platforms.

Refund and Cancellation Policy

Finnosummit is committed to ensuring a transparent experience for Users in the management of payments and services. Refunds and cancellations will be subject to the following provisions:

In exceptional cases, Finnosummit will process refunds only under the following circumstances: duplicate payments or overpayments. Refunds will be issued via check made out to the individual or company that made the original payment. Requests must be submitted in writing to info@finnosummit.com and will be evaluated within up to 30 business days after receipt.

Regarding event cancellations, the following conditions will apply depending on the notice period provided:

• If notice is given more than 90 days before the event, the total amount will be refunded minus applicable management fees.
• If notice is given 90 days or less before the event, a credit for the corresponding amount will be issued, valid for two years from its issuance, to be used for any other event organized by Finnosummit.
• If notice is given less than 10 days before the event, no refunds or credits will be issued.

Users must manage cancellation or refund requests directly with the external platform used for the ticket or service purchase. If the issue cannot be resolved through the platform, Users may contact Finnosummit for additional support.

Finnosummit will not process refunds or cancellations related to purchases made outside authorized platforms. Additionally, all requests will be subject to applicable tax laws in Mexico and must comply with the established deadlines.

Use of Forms and Data Collection

To access certain services offered by Finnosummit, such as event registration, participation in programs, or access to exclusive content, Users must complete specific forms on the Site. The information provided will be handled in accordance with our Privacy Policy.

It is the User’s responsibility to provide correct and complete information when filling out the forms. In cases of errors or incomplete information, Finnosummit will not be responsible for the inability to access the requested services.

Promotions and Promotional Code Policy

Finnosummit may, at its discretion, offer promotions and promotional codes that provide specific benefits, such as discounts or exclusive access. Promotional codes will have a limited validity, which will be communicated to the User at the time of issuance. Additionally, they are not combinable with other offers, discounts, or promotions and will be limited to the events, programs, or services specified in each promotion.

Finnosummit reserves the right to modify, cancel, or revoke any promotional code without prior notice, especially in cases of detected misuse or fraud attempts. Any unauthorized use of promotional codes, including using a code for purposes other than those stipulated, will be grounds for invalidating the transaction. Additionally, Finnosummit will take the necessary steps to protect its interests and those of its Users.

We recommend that Users carefully review the conditions of each promotion before using them. For any inquiries or concerns, Users can contact Finnosummit via info@finnosummit.com.

Intellectual and Industrial Property

All content available on this Site, including but not limited to texts, photographs, graphics, images, videos, recordings, and any other audiovisual or sound content, as well as icons, software, links, buttons, trade names, distinctive signs, trademarks, graphic design, and source codes (hereinafter, the "Content"), is the property of Finnosummit and/or third parties that have granted the corresponding licenses. This content is protected by applicable intellectual and industrial property laws.

Finnosummit authorizes Users to browse the Site and download its Content solely for personal and private purposes, provided Finnosummit’s authorship is recognized. The use of Content for commercial purposes, its total or partial reproduction, transmission, distribution, or storage in information retrieval systems without prior written authorization from Finnosummit is strictly prohibited.

By participating in events organized by Finnosummit, attendees may take photos and videos and share them on social media or professional platforms, provided Finnosummit’s authorship and intellectual property over the event are acknowledged. Additionally, the material generated may not be used for commercial purposes, such as reproducing entire conferences or using them to promote products or services without express authorization. It may also not be used inappropriately, offensively, or in a way that could harm Finnosummit’s image, its speakers, or attendees. Failure to comply with these conditions may result in a request to remove the published material and, if applicable, legal action.

Finnosummit may take photographs, audiovisual recordings, and collect other content during its events. This material may be used for promotional, advertising, or commercial purposes. By participating in the events, Users give implicit consent for such use unless they expressly indicate otherwise through mechanisms provided in the Privacy Policy.

Removing, altering, or circumventing any technical protection device or information mechanism associated with copyright or any other intellectual property right linked to the Content is strictly prohibited. Finnosummit reserves the right to take legal action in response to any unauthorized use of the Content or any act that endangers its intellectual or industrial property rights.

Limitation of Liability

Finnosummit makes all reasonable efforts to ensure that the Site and the services offered through it function properly and remain continuously available. However, it does not guarantee the absence of interruptions, errors, or technical issues and is not responsible for any inconveniences that may arise, including but not limited to system failures, network outages, data loss, or any other incidents that affect the availability of the Site or its services.

Similarly, Finnosummit is not responsible for the content, availability, or privacy policies of third-party websites that may be linked from the Site. The inclusion of these links does not imply approval, endorsement, or responsibility by Finnosummit for those websites or their content.

Under no circumstances will Finnosummit be liable for indirect, special, incidental, or consequential damages that may arise from the use or inability to use the Site or the services offered, including but not limited to economic losses, lost profits, data loss, or business interruptions.

Finnosummit advises Users to verify and cross-check the information provided on the Site before making any decisions based on it. Users are responsible for ensuring that they meet the technical requirements necessary to access the Site and use its services.

User Obligations

By accessing and using the Site, Users agree to comply with the provisions set forth in these Terms and Conditions, as well as with applicable laws and regulations. Users must not use the Site for illegal, defamatory, abusive, fraudulent, or otherwise harmful activities that could damage Finnosummit’s reputation, its partners, or third parties. The use of the Site to distribute offensive, racist, discriminatory content or content that promotes illegal acts is strictly prohibited.

Users agree to provide complete, accurate, and truthful information when filling out forms on the Site, registering for events, or using any of the services offered. Any falsehood or inaccuracy in the information provided may result in the suspension or cancellation of the requested services.

Additionally, Users acknowledge and respect the intellectual property rights outlined in these Terms and Conditions and must refrain from reproducing, distributing, modifying, or using the Site's content, including texts, images, videos, and other materials, without prior written authorization from Finnosummit.

Any decision made by Users based on the information provided on the Site is their sole responsibility. Finnosummit recommends verifying such information before acting on it.

The submission of files or software to the Site that may contain viruses, malware, or any code designed to harm the Site's functionality, the services offered, or other users' systems is prohibited. Failure to comply with these obligations may result in the immediate suspension of access to the Site and Finnosummit’s services, as well as any corresponding legal action under applicable law.

Links to Third-Party Sites

The Site may contain links or hyperlinks to other websites operated by third parties. These links are provided solely for the User's convenience and do not imply any endorsement, approval, or guarantee by Finnosummit regarding the content, products, services, policies, or practices of the linked websites.

Finnosummit has no control over the content or privacy policies of such websites and assumes no responsibility for access, use, or any interaction that Users may have with them. Users acknowledge and agree that any interaction with these third-party sites is at their own risk and that Finnosummit will not be responsible for any damages, losses, or inconveniences that may arise from such interactions.

Users are advised to review the terms and conditions as well as the privacy policies of third-party websites before using them or providing any personal information.

Governing Law and Jurisdiction

These Terms and Conditions will be governed by and interpreted in accordance with the laws of the United Mexican States. In the event of any dispute, controversy, or claim related to access, use of the Site, or the services provided by Finnosummit, the parties agree to submit to the exclusive jurisdiction of the competent courts of Mexico City, expressly waiving any other jurisdiction that may correspond to them due to their current or future domiciles.

Before initiating any legal proceedings, Finnosummit and the User agree to attempt to resolve any conflicts through alternative dispute resolution mechanisms, such as mediation, provided both parties agree to engage in such a process.

Contact

If Users have any questions about these Terms and Conditions or wish to provide any feedback regarding the Site, they may contact Finnosummit via email at info@finnosummit.com or by phone at +52 55 44428341.

On behalf of the Finnosummit team, we appreciate the time taken to read this document and familiarize yourself with our policies.