Terms & Conditions

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This document establishes the Terms and Conditions (hereinafter the "Terms and Conditions") that will govern the relationship between BBW, SOCIEDAD ANONIMA DE CAPITAL VARIABLE, a corporation with variable capital, of Salvadoran nationality, with Tax ID: 0614-221021-101-3, duly registered as a Bitcoin Service Provider under the registration code: 6197cd5706ee0018653e0076 for custody services, exchange services, wallet services, and payment processor. Such entity is regulated by the Central Reserve Bank and supervised by the Superintendency of the Financial System of El Salvador (hereinafter "BBW") and you as a User (hereinafter the "User"); for the use of the services provided by BBW through a digital wallet (Previously called Bitcoin Beach Wallet, now called Blink). 
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The acceptance of these Terms and Conditions by the User is necessary for the use of the application, in case the User does not agree with them it is requested to refrain from the use of this, otherwise they will be understood as accepted and will apply what is established herein. 
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BBW, SOCIEDAD ANONIMA DE CAPITAL VARIABLE does not impose any type of obligation of use, download or registration on its application to any natural or legal person, as well as delivery or submission of information, acceptance of terms and conditions or similar elements, so the User is voluntarily obliged at the time of downloading, installing, registering and adding information to be subject to the provisions of these Terms and Conditions, thus expressing their clear and unequivocal will to accept them.By accepting the Terms and Conditions, the User understands and approves the sending of text messages (SMS), push notifications, emails, among others from BBW and / or third parties that it determines, all directly or indirectly related to the use of the application and its products, services, customer service, updates, bugs, etc.
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‍‍Similarly, the User understands that the acceptance of the Terms and Conditions enables the use of the information or data that is entered into application for the following purposes detailed below, said list is merely non-exhaustive:
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• Account creation, modification, and blocking.
• Monitoring user behavior within the app.
• Transaction Log.
• Notification control.
• Reports on alerts, reports, and failures.
• Verification of identifying information provided.
• AML KYC.
• Forwarding of user information to relevant authorities (national and international) when this is required by virtue of an official request.
• Conduct investigations of crimes and/or inappropriate conduct; as well as the derivation of the respective civil and criminal responsibilities.
• Share and transfer information necessary for the proper operation of the application, either by BBW or third parties that it deems appropriate.
• Modification of UX / UI in order to provide a better product to the User.
• Digitalize necessary information of the Users so that it is stored in magnetic, optical, electronic or any other nature, thus complying with the relevant legislation on the prevention of money and asset laundering.
• Develop policies that allow the effective protection of the User, BBW and interested third parties.
• Development of market research and business intelligence.
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APPLICABLE TERMS: These Terms of Use govern the contract for the provision of administration, redemption, and transmission services of Bitcoin, entered into by and between BBW, and You, in your own capacity and on your own behalf. By accessing and/or using BBW's Services and its Applications (as defined below), or any other electronic means enabling you to use any Service provided by BBW, you accept these Terms of Use, which shall be valid and effective upon your use of the Services. BBW hereby declares, through its representative, that it is a commercial entity duly established in accordance with the laws of the Republic of El Salvador.The User acknowledges and agrees that BBW may modify these Terms of Use at any time, provided that it gives prior notice through the Application to its Clients with at least 30 (thirty) days' notice. Additionally, each time an update is made to these Terms and the User continues to use the Platform, it shall be deemed to have tacitly accepted such modifications, and the current version of the terms shall govern any activities carried out by the User thereafter. The User undertakes to periodically review the Terms and their applicability.
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The use and access to our site or our Services are not permitted from those states or jurisdictions where, in accordance with various legal and regulatory prohibitions, (i) it is not possible to carry out such operations with Bitcoin, or (ii) where BBW considers that there is a risk of operation by conducting transactions in certain jurisdictions and/or where BBW considers that such operations are not feasible. Depending on the location of the User's connection, some Services may not be available. BBW shall not be liable for the actions taken by User in contravention of this provision. 
The services offered by BBW are directed towards Salvadorans and duly identified foreigners. If the User is not a Salvadoran resident, for the purposes of our legal relationship, Salvadoran law shall apply.
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These Terms and Conditions establish the policies of use and access of Blink mobile application, computer system, website, as well as any other application or telematic development that is created for the effective use of the products and / or services provided by BBW or by third parties authorized for this purpose. Similarly, the Terms and Conditions in conjunction with its Privacy Notice establish the main elements that form and govern the contractual relationship between BBW, S.A. de C.V. and the User, which are developed along the following clauses:

CLAUSES: 
CLAUSE ONE: DEFINITIONS
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For the purposes of these Terms and Conditions, the terms set forth below shall have the following meaning:
‍"Blink": refers to an application (formerly known as "Bitcoin Beach Wallet") for mobile phones, through which the User may perform various activities such as: a) make bitcoin or money transfers in real time between users; (b) pay for utilities such as drinking water, electricity, telephone services, and internet; (c) manage the receipt of remittances, including microcredits as well as other financial products; hereinafter the "Services". It is considered accepted and understood by the User that it is possible that not all services are available at any given time, in the same way BBW may add and / or eliminate its own or third-party services of / in the application when it deems appropriate, without implying responsibility on its part. The User understands and accepts that the administration and operation of Blink is carried out by BBW, S.A. de C.V., a company duly authorized and registered in the Registry of Bitcoin Service Providers of the Central Reserve Bank of the Republic of El Salvador and that the participation of Galoy Inc. corresponds only to elements of intermediation or provision of technological services.**

"User": means any natural or legal person who meets the criteria defined by BBW, proceeds with the download of the mobile application, accepts these Terms and Conditions, as well as compliance with any other requirement that the owner of the service determines.

‍"Stablesats": process that allows usd to be implemented in the balance of the users' wallet through a derivative contract that takes as a reference an underlying asset, which allows the creation of a synthetic dollar, which is not legal tender and is not backed by a State or government entity.
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CLAUSE TWO: GENERAL CONDITIONS ON THE USE OF BBW
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‍1. The User will be entirely responsible for the transactions that he decides to carry out in the mobile application, as well as the entry and download of information since it is considered that it is the property of the user, so it is within his domain and possession. Likewise, you understand and accept that in case BBW, S.A. de C.V. must face an administrative or judicial process as a result of the transactions or information entered or downloaded by the User, he will be directly involved in the process and depending on the results of the same he must personally respond to them.

2. The User accepts that BBW, S.A. de C.V. reserves the right to use all means of requesting validation of information that it deems proportionate and convenient, in order to guarantee the correct use of its mobile application. For the purposes of full compliance with the foregoing, BBW, S.A. de C.V., the information to which access is granted and that which could represent a risk to its operation, as well as the computer, physical and / or active information resources that compose, form part of, or support directly or indirectly the application (hereinafter the "**Information** Resources" ") may exercise, through natural or legal persons expressly authorized for such purposes, the active monitoring of all activities, their components, their operations and/or in the solutions and/or tools that enable it, as permitted by the relevant legislation, the foregoing in order to avoid any cybersecurity risk that threatens said information and the Users,  seeking to avoid also any type of violations and transgressions of the Terms and Conditions, the applicable rules on regulatory and compliance matters, (including but not limited to regulations on intellectual property; protection of personal data;  prevention of money laundering and terrorist financing, consumer protection; internal policies of the company, regulations of the Central Reserve Bank or Superintendency of the Financial System of El Salvador.

In the same way, it seeks to minimize unauthorized or illegal actions, protection of the mobile application, its functionalities, the Information Resources, other Users, its third-party providers, as well as avoid being used as an attack tool to third parties, among others. The User understands and accepts that, if violations or contempt of the Terms and Conditions are found, the applicable regulations (internal and external); as well as irregular behavior and / or attacks on its information and computer resources (own and / or third parties), among others, will proceed to take administrative, civil, criminal and / or precautionary measures, which it deems appropriate and that the Salvadorean legal framework allows, to attend and as far as possible, solve the situation,  including among these (but not limited to), the suspension and / or immediate elimination of access and when applicable, as well as those actions aimed to analyze, investigate, track, collect evidence, compel, stop, and / or defend against attacks or irregular behavior that occur or have occurred. It is understood and accepted by the User that he must respond both civilly, criminally and administratively, to any type of irregular action including those that may affect third parties and must provide total indemnity and keep BBW, S.A. de C.V. in peace and safe from all the consequences that derive from his action or omission.

3. In order to promote business continuity and provision of the service to all Users, BBW, S.A. de C.V.  has the necessary contingency processes focused on guaranteeing access and continuous use to Users, notwithstanding they recognize and accept that there is the possibility that at some point certain technological elements present some failure leaving some Services totally or temporarily suspended, or be subject to interruptions, failures and / or errors without this implying, nor can it be alleged as liability of any nature attributable to BBW, S.A. de C.V.  and/or Galoy Inc.

4. The User understands and accepts that all the data and information that enters or to which it is processed through Blink and that it makes available to BBW, S.A. de C.V.  will have a preliminary validation that it is totally true, so by accepting these Terms and Conditions expressly empowers BBW, S.A. de C.V. , processors and other technology intermediaries – including Galoy Inc. - to use it in the context of the Terms and Conditions in force, as well as on the occasion of the operation, support and maintenance of Blink and for the provision of the Services to the User, as permitted by the applicable legal system. When the information refers to personal data, the informed consent of the User included herein will apply.

5. The User understands and accepts that many of the functionalities of Blink will be found in the mobile application for which he must bear in mind the following conditions:

a) The operating system of the mobile phone must be free of vulnerabilities and that it is solely responsible for ensuring that your mobile phone is updated to the latest version of the respective operating system, that it is free of any code and / or malicious program, that the respective patches indicated by its manufacturers have been applied and that it has antivirus and antimalware applications suitable for the device concerned.

b) Currently BBW will be used only by natural persons over eighteen (18) years of age, so in this act parents or legal guardians are requested to take the appropriate measures to avoid access to it. In case the foregoing is ignored and any minor manages to register in the mobile application, it will be understood that he does it under the direct authorization of his legal representatives, being these responsible for each of the actions or omissions carried out by said minors, being considered for all purposes, that the respective actions or omissions were carried out by the Users responsible for the account.

c) Blink requires a stable, secure and good speed internet connection to provide the best user experience, BBW, S.A. de C.V. is not and will not be responsible, in any case, for transactions that the User cannot carry out because they lack an internet connection that complies with the conditions described above.

d) The User understands and accepts that, due to the nature of bitcoin, the transfers made through Blink are final and irreversible, so that once the respective transaction has been concluded, it cannot be reversed or canceled.

6.  BBW may request at the time of creating an account a photograph of the User with movement, as well as any suitable identity document such as proof of life and identity verification, it undertakes to provide BBW with any information necessary to comply with the established security mechanisms.

7. The User authorizes BBW or a third party contracted by it, to request at any time and without prior notice, commercial, banking, financial and / or reputational references of its own, to review any public or private database as part of the study requirements and in general, to make the respective analysis of all Users of their mobile wallet, in any repository of physical or digital information, as well as to inquire about the behavior of such Users, as permitted by applicable Salvadoran regulations.

8. BBW may request updates and complements of the information provided by Users as well as request any other information in the future, not attending to the above may result in closing of account, unsubscribe, delete and / or suspend the Services in case User refuses to update or expand the information in the terms in which it is required.

9. Transactions responsibility: For the security of our Clients, we do not assume any responsibility, nor shall we be held liable in any manner, for any transmission of Cryptoassets that has been carried out in accordance with the instruction and information provided by the Client. The Client acknowledges and agrees that transfers from their Wallet, regardless of the identity of the beneficiary or recipient of such operation, are carried out under their sole responsibility, and under no circumstances shall BBW be held responsible. Losses due to fraudulent or accidental transactions may not be recoverable, and additionally, once they have been confirmed, the Client will be obligated to fulfill them. BBW bears no responsibility for any operations carried out by Clients when they are fraudulent or accidental or result from negligence on the part of Clients in safeguarding their public access keys or private passwords, as established in these Terms of Use. 
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10. The User acknowledges and guarantees that the income used for the various transactions within the application comes from lawful activities, also guarantees that he is not involved in money laundering, financing of terrorism, or other illegal activities and that, he knows of the existence of anti-laundering and anti-corruption laws and decrees where any type of fraud or illegality that he intends with the use of the Blink mobile wallet could have civil, criminal and any other sanctions that the law indicates, in addition to the closure, suspension and deletion of your account.

11. The User understands and accepts that it will be at his account the payment of all taxes, fees, contributions, services, tax species or any other current or future tax charges levied on BBW services.
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12. Registry: To be able to use the Wallet, as well as all BBW Services, you must be of legal age or, failing that, access under the supervision and consent of your parents or legal guardian. Any access or use by persons legally incapable of contracting is prohibited and the responsibility of their legal representative. By continued use of our Applications, as well as acceptance of these Terms of Use, the Client acknowledges and agrees that they must be registered in accordance with BBW's applicable policies.It will be necessary to create an account on the platform to use some of our Services. For this purpose, you will be asked for a password and a username, as well as some data for registration. You must provide accurate, complete, and up-to-date information. In the event that such information undergoes modifications, you agree that it will be your responsibility to keep it up to date and updated; always ensuring that it is complete and accurate information. Failure to do so constitutes a violation of the Conditions and could result in the immediate cancellation of the account.Upon registration, each User will receive an internal code which, along with their registered email and registered phone number, will serve as identifying and individualizing data of the User to the Platform. In order to access the Platform, it will be necessary for you to undergo an identity verification process that may be carried out by Us or through third parties. As a username, you may not use the name of another person or entity over which you have no rights, nor any name or mark whose rights belong to another person or entity unless you have the proper authorization, nor any name that is offensive, vulgar, or obscene. Additionally, the opening of accounts to robots or automated methods is prohibited.It is the user's responsibility to safeguard their login credentials, and they are solely responsible for any activity within their account. If you experience any security breach or identify any unauthorized activity, you must notify BBW immediately. BBW is not responsible for any act or omission of the user, including any damages resulting from the foregoing.Registering more than one Wallet for the same person is prohibited, as such action implies, according to our controls, partial or total alteration of information to create another registration. The above entails the closure of both accounts and the impossibility of operating again on the BBW platform.Subject to these Terms and Conditions, and all our policies, the Client is granted a personal, limited, non-exclusive, non-transferable, and fully revocable license to use our Services.
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CLAUSE THREE: TRANSACTIONAL LIMIT 
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The User acknowledges and accepts that BBW reserves the right to establish limits on amounts to transfer and receive money, which will be subject to the provisions of current legislation, levels of transactionality, risk policy, as well as any internal policy of the operating company of the wallet. BBW under no circumstances will be criminally or civilly liable or of any other nature for the impossibility to carry out transactions by the User, regardless of whether that transaction could not be carried out due to insufficient funds, error in information provided by the User, services suspended, internet connection problems, temporary or permanent defects in the User's mobile phone or cell phone service, technological failures of BBW's own infrastructure or third parties, due to suspicious transaction, as well as for any other cause beyond the control of BBW such as fortuitous event, force majeure, acts of hostility or war, rebellion, insurrection, revolution, confiscation, nationalization, destruction or requisition arising from any act of de facto authority or civil or military law, acts of terrorism, subversion or guerrilla, strikes, confinement and pandemics.

CLAUSE FOUR: INFORMED CONSENT – PROTECTION OF PUBLIC FUNDS
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BBW, in order to better manage the information shared by Users, has a policy of protection of personal data and informed consent which has as its maximum premise the respect of the rights of the User, with total transparency and in compliance with the applicable regulations on the protection of personal data. For the purposes of information to the User, BBW is established as responsible for the personal data obtained by the use of the application to whom users clearly and expressly authorize to:

a) Collect, copy, store, consult, acquire, transfer, organize, communicate, use, extract, access, compare, delete and in general, treat their personal data of unrestricted and restricted access such as but not limited to: information and commercial references, email, personal telephone numbers, information of a socioeconomic nature, credit record, data on historical behavior of payments and credit information in general, technological information regarding: geolocation, traffic information in cell towers, login, IP address, cookies on website and mobile applications, statistical data on the use of electronic devices, and any other personal data that is relevant to the development of new products / services;

b) The User expressly authorizes BBW to process sensitive personal data only for security purposes and thus establish the corresponding controls, including but not limited to image, voice, and other biometric data necessary and proportionate for the purposes;

c) To process, store or replicate on servers located inside or outside the national territory personal data, either directly or through service providers and / or technological intermediaries which comply with ISO / IEC 27001: 2013, PCI-DSS, PII and HIPAA security standards;

d) To carry out different databases, whether public or private; to consult their own databases, or to collect and process the information provided by the User either through forms, contractual documents, emails, telephone calls, complaints, and/or the use of mobile and/or intelligent devices, including computers and cell phones, and in general, any other form or means that allows the collection of such data and that arises by virtue of or on the occasion of the contractual relationship between the parties;

e) To use data and information for own commercial purposes, execution of contracts, policies and other legal obligations, transmission of information to government institutions when they request it in legal form, commercial prospecting, sending electronic communications including but not limited to text messages, instant messages and emails, invitations and / or commercial offers on products or services, marketing, customer service attention, conflict resolution, reminders, acknowledgments and celebrations, invitations, and in general, any act that is necessary and / or derived from the commercial relationship and / or allows its strengthening, likewise, may transform them into statistical data and publish them under the latter format if considered relevant and / or necessary;

f) Include personal data in databases for internal use and share the information with its subsidiaries; and

g) To share personal data with third parties or persons, natural or legal, who collaborate in carrying out ancillary procedures of BBW, including customer service tasks, consultants, marketing services, technological and / or technological support services, developers, electronic transfer services and / or information security, and in general, any external professional that is necessary to execute and comply with the obligations established in the contracts and / or the performance of prospecting and / or commercial sale or development of new products or services;

The authorization granted in this clause may be revoked at any time by the User, sending an email to the address support@blink.sv, also the User may request access, rectification, cancellation, deletion and / or opposition of the shared information. The User understands and accepts that any request and modification of information will not be retroactive, so it will enter into force in our databases 5 business days from the date of the request, the effects of retroactivity will be extended to the transactions made, as well as any internal or external investigation process that is in process. At the time of expressing his desire for revocation, the User accepts that he will not be able to continue using the Blink application and its services, proceeding to delete his account.
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CLAUSE FIVE: STABLE DOLLAR/STABLESATS
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Stablesats enables users to have a stable balance (USD equivalent) within their wallet.  The service uses derivative contracts that reference an underlying asset, which allows the creation of a synthetic dollar, which is not legal tender and is not backed by a State or government entity. ‍BBW, S.A. de C.V. works with third party providers to provide this service.

BBW, S.A. de C.V. will not be responsible for the performance in the provision of services of third-party providers to their users, the custody of balances in cryptocurrencies or their derivatives, refunds or payments, fees or taxes, changes in any associated security protocol, among others.

BBW, S.A. de C.V. and any of its third-party providers have the possibility of limiting or restricting the use of their platforms to users when detecting any operation that is outside their established parameters, so they will not be responsible for any failure or loss in which any transaction in question is involved.

CLAUSE SIX: CONFIDENTIALITY
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BBW will manage with the highest level of confidentiality the information shared by the User, it will only be disclosed for the purposes of compliance with a court order or requirement of any competent authority in accordance with applicable laws. Likewise, the information shared will not be used for purposes other than those established in the Terms and Conditions developed herein.

CLAUSE SEVEN: REGULATORY COMPLIANCE 
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In accordance with BBW's Anti-Money Laundering and Counter-Terrorist Financing ("AML/CFT") scheme, we adhere to the applicable legislation in El Salvador and the international criteria issued by the Financial Action Task Force on Money Laundering.The Client acknowledges that BBW will strictly comply with the requirements formulated by any competent authority, pursuant to which additional requirements may exist beyond those established in these Terms of Use. These requirements may be related to the level of operational, legal, reputational, geographical, or predominant activity risk, among others. Such requirements must be fully complied with in order to establish and/or, as the case may be, continue to provide the Services. Compliance with personal data requirements made by competent authority shall at all times be subject to the provisions of our Privacy Notice and applicable legislation.In the event that there is suspicion that your Wallet at BBW is not compliant with any AML/CFT provision, whether national or international, BBW shall have the right to carry out any review and audit action that we deem necessary or appropriate, such as requesting and collecting any necessary or deemed appropriate information or documentation, as well as reporting, at our sole discretion, any activity to any authority and, if necessary, take any action or carry out any act implicitly or explicitly contemplated in the Terms of Use or applicable legislation, including but not limited to the temporary or total suspension of any Wallet and/or access to the Applications.
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Likewise, BBW reserves the right to request any additional information, with the intention of determining or corroborating the declared or operated transactional profile of its Clients as well as the origin and destination of the funds involved in the operations that the Client carries out on our platform or for any other related or convenient purpose, and if the necessary information is not received, BBW may suspend or terminate the Services and/or the contractual relationship with the Client, including their access to our Applications. The resources that Clients deposit in BBW's Wallet must in any case come from and may be reintegrated into deposit accounts opened at the authorized financial institution in accordance with the applicable regulations. Otherwise, upon legal or judicial resolution to that effect, the Client waives all funds held in BBW as determined by the competent authorities.BBW will establish standardized application programming interfaces that enable connectivity and access of other interfaces developed or managed by the financial institution and by third parties specialized in information technology, in order to share various data and information as provided for in the applicable regulations, as well as to determine the Clients.

CLAUSE EIGHT: OWNERSHIP RIGHTS OF BITCOIN HELD USING BLINK
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BBW is a full reserve wallet; it holds an amount of bitcoin equal to or greater than the amount of funds held in customer “Bitcoin” accounts, and remains in position to enable 100% of customer deposits to be withdrawn at any time, assuming accordance with all other terms and conditions (i.e. transaction limits, compliance with applicable laws and regulations). Bitcoin held in customer Bitcoin Accounts is considered property of the customer and is not considered assets of BBW. BBW does not use bitcoin from customer accounts to fund its own operations,  neither and BBW does not rehypothecate the bitcoins. The majority of bitcoins are held in geographically distributed multisig custody. Some amount of bitcoins are held in a hot wallet to enable processing of payments.
Bitcoin held in customers’ Stablesats accounts are considered property of the customer and are not considered an assets of BBW. BBW is not using the stablesats from the customers to fund its own operations. Unlike for bitcoin held in a customer’s Bitcoin Account, iIn order to provide Stablesats as a service to customers, some portion of the funds held by users in Stablesats Aaccounts may be transferred to an exchange and therefore are not held in custody by BBW (see CLAUSE FIVE). Funds held in Stablesats Accounts rely on exchange partners, and therefore are subject to higher counterparty risk. If the exchange service is denied or disrupted for any reason, BBW may have to limit withdrawal access of Stablesats.
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CLAUSE NINE: SECURITY
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The proper use, handling, and safeguarding of signatures, private keys, access codes, passwords, and any other access data to your Wallets are your responsibility. BBW shall not be held responsible for any lack of diligence, negligence, or incompetence on the part of the Clients in controlling and caring for these, as well as for the potential consequences that this may imply, including, but not limited to, possible loss of funds or information.Upon registering on the Platform, for your own security, the Client must generate a password which will serve as an authentication factor, and it must be composed of at least eight consecutive characters, including alphanumeric and special characters. Additionally, BBW will assign each Client, at the time of Wallet opening, a personal identification number which will serve as an authentication factor for the approval of Cryptoasset operations. BBW shall not be liable in any case for the misuse of the authentication methods used by the Client at their discretion. BBW is not responsible for phishing, identity theft, cyberattacks, or any type of attack of which the Client is a victim. Nor shall it be liable for acts of third parties affecting the Applications, the global internet network, or any other interconnection platform in general.Only for the purpose of safeguarding security in the Client's account when BBW has any indication that it may have been compromised by an unauthorized third party, as well as any act that limits, restricts, or prevents any person on equal terms from contracting any product or services complying with BBW's requirements, BBW may temporarily restrict access to its Applications to any person, including access to their Wallet. For this, BBW will send the Client an alert through the Application informing them of such situation so that they can make the corresponding clarification.The Client or password recovery process will only be carried out through the steps established by BBW, taking into account the highest security standards. This process may only be initiated by the Client and will never be initiated by BBW. Under no circumstances will BBW ask its Clients, by postal mail, email, or by telephone, to reveal the credentials or passwords that the Client uses to access their Wallet.It is the responsibility of the Client not to share or provide their identification data, credentials, and access keys to third parties, as well as to ensure that they enter their data or credentials in the secure and certified address. Access to BBW's official site is the responsibility of the Client; BBW will not, under any circumstances, be responsible for the security of the connection from which the Client accesses it.As a result of the above, it is the responsibility of the Client to notify BBW  if they believe or suspect that their Wallet or credentials may be compromised, or if a third party is acting on their behalf, for which they must create a support ticket and select the option that best fits their request. Additionally, the Client undertakes to take all necessary or convenient measures requested by BBW, as well as to follow the procedures established by BBW to regain control of their account, under penalty of losing it definitively.
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CLAUSE TEN: SYSTEM´S ERRORS 
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It is possible that, due to technological factors, scheduled maintenance, or other factors, whether within or beyond our control, the BBW platform or other Services may be temporarily interrupted. While we will endeavor to address such factors if they occur, the Client accepts that we are not liable for damages and losses resulting from such interruptions and waives any rights or actions they may have against BBW due to system errors.In the event of an event described in this paragraph, BBW will issue a communication indicating the steps to follow.BBW reserves the right to reverse any operation that has been carried out as a result of a service interruption or failure in the operation of electronic communications, commercial facilities, storage facilities, recording mechanisms, or other components of the Services. In these circumstances, operations will be reviewed on a case-by-case basis, and BBW will inform you via the email address provided by the Client if any of your operations are affected by this situation.
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CLAUSE ELEVEN: SEVERABILITY

In the event that a competent authority declares illegal, void, or unenforceable these terms and conditions, whether in whole or in part, in accordance with applicable law, the remaining provisions of the terms and conditions shall be deemed applicable and enforceable. These terms and conditions constitute the entire agreement and understanding between the parties in relation to the services.
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CLAUSE TWELVE: IP RIGHTS
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The Applications and Services are owned by BBW and/or its affiliates or belong to the same business group as BBW. Likewise, BBW is the owner of the Services it offers. We reserve all rights over them and any associated technology. Any creation, idea, invention, improvement, know-how, concept, algorithm, protocol, data, processes, procedures, methods, techniques, protocols, formulas, systems, tools, compositions, codes, software, prototypes, documents, components, or any other information authored by BBW or any person, which solely derives as a consequence of the use of BBW Applications, whether patentable or subject to copyright protection or any other type of intellectual or industrial property rights, are the property of BBW and/or its affiliate, with BBW having the right to initiate any action or take any measure of any nature to obtain their registration and respective protection before any authority (including any intellectual property authority).

Blink contains open-source software components distributed under the respective licenses of those components. By using Blink, you acknowledge and agree to abide by the terms and conditions of all open-source licenses applicable to such components. These licenses are provided to you on an "as-is" basis without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. You further acknowledge that the source code for such open-source components is freely available and may be subject to modification and redistribution under the terms of the respective licenses.

All materials and data on the site and any other website owned, operated, licensed, or controlled by us shall be considered confidential information and intellectual property of BBW and/or its affiliate, therefore, we reserve all rights over them. All materials included on the site, including but not limited to data compilations and software, are the property of BBW and/or its affiliate and are protected by copyright laws.
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The use, creation, or imitation of logos of any brand within the Website and the App is prohibited. We also reserve the right to remove any comments or attachments made to the Website and the App by an unauthorized User and/or third party. The use of Links, Deeplinking, and Framing is prohibited on the Website and the App. Non-compliance with these prohibitions shall constitute a violation of intellectual property rights over the Contents and rights over Industrial Property.

CLAUSE THIRTEEN: NOTICES, JURISDICTION AND APPLICABLE LEGISLATION
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‍Any discrepancy, disagreement, difference, conflict, controversy, or dispute arising between shall be submitted to the laws of the Republic of El Salvador.
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Prior to an administrative or judicial action, the direct TREATMENT route will be attempted in the following way: on the occasion of a claim on the part of the User, he will have the possibility to share it through the following channels:
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Email: support@blink.sv
Whatsapp:+503-6983-5117

BBW will have a period of 3 working days counted from the day following the notification to provide a detailed response on the resolution either in the sense or positive of the disagreement raised by the User.

Finally, in the event of a legal action, both parties expressly agree to submit to the jurisdiction and tribunals of the Republic of El Salvador, and to the domicile and special jurisdiction of San Salvador; expressly waiving any other jurisdiction that by reason of their present or future domiciles or that for any other reason may correspond to them.

CLAUSE FOURTEEN: SUPERINTENDENCY CONTACT

‍Likewise, the User will have the possibility to contact the User Service Office of the Superintendency of the Financial System of El Salvador through the following channels:

Address:
Diagonal Arturo Romero # 444 local 8 Colonia Médica, San Salvador, República de El Salvador, residencia.69 Avenida Sur, entre Paseo General Escalón y Senda Florida #3563, Colonia Escalón, San Salvador. Old building of the General Directorate of Migration and Aliens.
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Hours of Operation:
Monday through Friday from 8:00 a.m. to 4:00 p.m. Not closing at noon.
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Email: atencionalusuario@ssf.gob.sv
Whatsapp:+503 7840 9741 and +503 7593 9103
Telephone support: +503 2505 6999 Option 1

For general support inquiries, contact Blink support at support@blink.sv
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