Terms and Conditions of Use

1. Identity of the service provider

The Tesora platform, available at https://tesora.mx (the “Platform”), is operated by Daniel Cardona Sánchez, an individual engaged in business activity (persona física con actividad empresarial), with address at Blvd. López Mateos 3261, Int. 118, Col. El Rosario, C.P. 37125, León de los Aldama, Guanajuato, México (the “Provider”).

Contact: contacto@tesora.mx

Use of the Platform implies acceptance of these Terms and Conditions (the “Terms”). If you do not agree with them, do not use the Platform.

2. What Tesora is — and what it is not

Tesora is a digital platform that helps the user organize information about their assets, their wishes, and the people they designate, in order to facilitate their succession planning and, when the user so decides, their connection with a notary public.

The Platform generates a draft. As part of the service, the Platform produces a preliminary document containing clauses written in the language and format used in notarial practice, drawn solely from the information the user declares. That draft is working material intended to be presented to a notary public: it does not constitute a will, has no legal effect in itself, and acquires no validity whatsoever unless and until it is executed by a notary public in a public instrument. The final wording of the instrument is determined by the notary, who may amend it in full or depart from it entirely. The Provider does not warrant that the draft will be accepted without changes by any notary.

Tesora is NOT:

• A will or a legal act. The information captured on the Platform does not constitute a will, has no effect as a disposition of assets, and does not replace any act that the law reserves to the attestation authority of a notary (fe pública notarial). The legal validity of a will or any other succession act is obtained only by executing it before a notary public under applicable law.
• Legal, tax, or financial advice. The content, suggestions, and answers of the Platform's assistant are for information and personal organization only. They do not constitute legal, tax, or financial advice, and they do not create a professional-client relationship of any kind.
• A notary office, a correduría (commercial notary), or a financial institution. Tesora does not exercise public attestation authority, does not hold securities or money in custody, and does not carry out operations regulated by financial law.
• An insurance intermediation service. The Platform is independent of any insurance intermediation activity the Provider carries out in another capacity. Using Tesora does not imply contracting, modifying, or receiving advice on any insurance product.

3. Plans, prices, term, and payment method

The current plans and prices are published at https://tesora.mx/en/precios, form an integral part of these Terms, and are expressed in MXN (Mexican pesos). Published prices are total consumer prices and include Value Added Tax (IVA); no charges, commissions, or taxes are added at the time of payment. Notary fees are excepted, as provided later in this section.

• Structure. Each plan consists of two components: (i) an initial cost, which covers the guided inventory, the Asset File, and the vault; and (ii) an annual renewal fee, which keeps the service's features active. As of the date of these Terms, the initial cost is $2,400 MXN for the Fundación plan and $9,800 MXN for the Patrimonial plan. The fee is flat: the Provider does not charge any percentage of the user's assets.
• Annual renewal fee. The annual renewal fee is $599 MXN per year. That amount is the minimum and is adjusted each year for inflation. The current amount is published at https://tesora.mx/en/precios before each renewal period. Renewal is not automatic: it requires the user's express contracting in each period, as provided in the clause “No charge without express contracting.”
• Introductory stage — exemption from the annual fee. The Platform is in an introductory stage of limited duration. While so published on the Platform, the annual renewal fee is not charged to users who contract during that stage. This exemption does not eliminate the annual fee, whose list amount remains published under the preceding clause, and does not constitute an acquired or lifetime right, nor does it become permanent through the passage of time. As of the date of these Terms, the end date of the introductory stage has not been published; its conclusion will be announced at least 30 calendar days in advance as provided in the clause “No charge without express contracting,” will not apply retroactively to a period already contracted and paid, and will in no case generate an automatic charge.
• Plan change. A user who has contracted the Fundación plan may switch to the Patrimonial plan at any time by paying only the difference between the two initial costs in force at the time of the change (as of the date of these Terms, $7,400 MXN). The change generates no reactivation fee, penalty, or additional charge of any kind, and does not modify the renewal date in progress.
• Accompanied access. A user who arrives accompanied by a certified advisor or a participating notary office does not pay the initial cost or the annual renewal fee while their contracted protection remains in force. Access is obtained with the link or code the advisor or the notary office shares with them. Once that contracted protection ends, continuity of the service is subject to the plan and annual fee the user chooses to contract, with no charge generated automatically.
• Notary fees not included. The fees, duties, and taxes charged by the notary office are not included in the Platform's price — neither in the initial cost nor in the annual fee; the user pays them directly to the notary office of their choice, under the fee schedule applicable to each act, including later changes that go through a notary. The Provider does not charge the notary any commission and does not share in the notary's fees.
• What happens if the user does not renew. Not renewing does not deprive the user of what is already theirs. The user keeps: (i) their Asset File in PDF, downloaded to their own device; and (ii) the files and folders in their vault, stored in their own Google Drive account, of which they are and remain the holder. What is suspended are the Platform features that depend on an active service: editing and updating the inventory, access for the registered support network, and ongoing guidance. The user may reactivate the service at any time, with no surcharge or reactivation fee, by paying the annual fee in force at the time of reactivation.
• Right to a refund — 60 calendar days. The user may request a full refund of the amount paid —initial cost or annual fee, as applicable— within the 60 calendar days following the date of payment, without having to state a reason and with no penalty. It is enough to request it through the contact channel published on the Platform. The refund is issued through the same payment method used at contracting, within 10 business days of the request. The user keeps the Asset File in PDF of whatever they captured up to that point. Clarifications: (i) the refund does not cover notary fees, which the user pays directly to the notary office and which are not received by the Provider; (ii) once this right is exercised, access to the Platform ends, without affecting the information the user keeps in their own Google Drive account, of which they are and remain the holder.
• Payment method. As of the date of these Terms the Platform has no online payment: contracting is done through the contact channel published on the Platform, and payment is made by the means the parties agree on at that time. There is no direct debit, recurring charge, or active payment link. If online payment is enabled in the future, the user will see the exact amount and must expressly authorize it on each occasion; enabling it does not modify what is provided in the following clause.
• No charge without express contracting. No charge will be made without the user's express contracting. The Provider does not set up direct debits or automatic recurring charges: neither the initial cost nor the annual renewal fee is charged unless the user expressly contracts it on each occasion. When the user has provided a contact channel, the renewal notice will be sent before the expiration date, at least 30 calendar days in advance, stating the current amount. That notice is informational and does not by itself generate any charge. Price changes and the conclusion of the introductory stage will be published on the Platform at least 30 calendar days in advance and, when the user has provided a contact channel, will also be notified through that channel; they do not apply retroactively to a period already contracted and paid.
• Availability. The Provider strives to keep the Platform continuously available but does not guarantee it: interruptions may occur due to maintenance, updates, or causes beyond its control. The Platform is under active development and its functionality may change; substantial changes will be notified as provided in section 11.
• The user controls their information. The Provider does not keep the inventory on its servers: it is captured on the user's own device and, when the user so decides, in the user's own Google Drive account, which the user holds. The user can delete it at any time with the tool's “Borrar todo” (Delete everything) function, without the Provider's involvement. The processing of personal data is governed by section 8 and the Privacy Notice.

4. Requirements to use the Platform

• Be over 18 years of age and have full legal capacity.
• Provide information that is truthful, your own, and up to date. The user is solely responsible for the accuracy of the information they capture.
• Not capture third-party information without the authority or authorization to do so.
• Today the Platform requires no registration or user account. If an account system is enabled in the future, the user must keep their access credentials confidential.

5. Conversational assistant with artificial intelligence

• The Platform includes a conversational assistant operated through artificial intelligence. The user acknowledges that they are interacting with an automated system, not a person.
• The assistant's answers may contain inaccuracies. No answer from the assistant constitutes legal, tax, or financial advice, nor does it replace the involvement of a notary public or other qualified professional.
• The user agrees not to share in the conversation sensitive information that is not necessary for the Platform's purpose — in particular, health information. The Platform displays warnings to that effect.
• Conversations are processed through technology providers as described in the Privacy Notice. The user's data is not used to train artificial intelligence models.

6. Acceptable use

The following is prohibited: (i) using the Platform for unlawful purposes, including the simulation of legal acts or any form of fraud; (ii) attempting to breach the security of the Platform, its systems, or other users' data; (iii) using the Platform to capture or process third-party data without authorization; (iv) reselling or commercially exploiting the Platform without the Provider's written authorization.

The Provider may suspend or cancel access for anyone who breaches this section, without prejudice to any applicable legal action.

7. Intellectual property

The Platform, its software, design, trademarks, and content are the property of the Provider or are used under license. Nothing in these Terms transfers any rights in them to the user.

8. Personal data

The processing of personal data is governed by the Privacy Notice available at https://tesora.mx/aviso-de-privacidad, which forms an integral part of these Terms. It describes the user's ARCO rights, data transfers, and the means to exercise those rights.

9. Liability

• The Provider is liable for the operation of the Platform under applicable law, including personal data protection regulations.
• The Provider is not liable for: (i) the decisions the user makes based on the information organized on the Platform; (ii) the failure to formalize the user's wishes before a notary, which is exclusively a matter between the user and the notary they choose; (iii) the inaccuracy of the information captured by the user; (iv) failures attributable to third-party services (connectivity, the user's devices) beyond the Provider's control.
• To the maximum extent permitted by law, the Provider's total liability to the user is limited to the greater of the following amounts: (i) the total the user has paid the Provider for the service in the 12 months prior to the event giving rise to the liability; or (ii) the initial cost of the plan the user contracted. This limitation does not apply to liability the law declares non-waivable or to the rights the user holds as a consumer.
• No custody. The estate information the user captures on the Platform is created and remains on their own device and in the cloud storage account they control. The Provider does not receive, does not store and does not keep a copy of that information, and has no technical means to access, recover or restore it.
  
  Accordingly, the Provider is not liable for: (i) deletion of the information by the user, whether accidental or deliberate; (ii) the loss, suspension or closure of access to the user's email or storage account, whose administration rests solely with their provider; (iii) theft, loss, damage or failure of the user's device; nor (iv) the alteration or deletion of the information by anyone the user has granted access to.
  
  The user acknowledges that exclusive control over their information is a feature of the service and not a limitation, and that keeping their own backups rests with them, on the same terms on which they administer any other personal email or storage account.
• Transitory processing of documents. When the user voluntarily and at their own initiative transmits the image of an official document so that the Platform may transcribe its data into the corresponding fields, that image is processed transitorily and in memory, only for as long as is strictly necessary for the transcription. The image is not stored on any persistent medium of the Provider, is not added to any database and is not written to the service's technical logs. Only the data required by the corresponding notarial instrument is transcribed.
  
  This feature is optional: the user may capture all of their data manually, without transmitting any document. The providers acting as data processors, their retention periods and the user's ARCO rights are set out in the Privacy Notice.

10. Termination

The user may stop using the Platform at any time, at no cost and without having to state a reason. It is enough to not renew: renewal is not automatic and no charge is generated without express contracting. The effects of not renewing —what the user keeps and which features are suspended— are described in section 3, clause “What happens if the user does not renew.” Because the inventory is kept on the user's own device and, where applicable, in their own Google Drive account, deleting it is in the user's own hands through the tool's “Borrar todo” function. Regarding any personal data the Provider may process, the user may exercise their ARCO rights by writing to contacto@tesora.mx, in accordance with the Privacy Notice and any legally applicable retention periods.

11. Modifications

The Provider may modify these Terms. Modifications will be published at https://tesora.mx/terminos with their update date, and substantial ones —including price changes and the conclusion of the introductory stage, as provided in section 3— will be published at least 30 calendar days before they take effect and, when the user has provided a contact channel, will also be notified through that channel. Such changes do not apply retroactively to a period already contracted and paid. Continued use of the Platform after they take effect implies acceptance.

12. Governing law and jurisdiction

These Terms are governed by the laws of the United Mexican States. For any dispute, the parties submit to the competent courts of León, Guanajuato, without prejudice to the rights the user holds as a consumer before the Federal Consumer Protection Agency (PROFECO), which the parties expressly acknowledge.