Terms & Conditions
Last updated: [PLACEHOLDER - Date]
1. General Information
These Terms and Conditions govern the access and use of the website pmi.tech as well as the contracting of services offered by PMI Payment Services S.L., a payment institution authorized and supervised by the Bank of Spain.
2. Services Offered
PMI offers the following services:
- National and international money transfers
- Collection and fund-raising services
- Technology platforms for payment management (B2B and B2C)
- Agent network management platform
- White-label solutions for payment services
3. Requirements for Use
To use PMI services, users must:
- Be of legal age according to applicable legislation.
- Provide truthful and complete information during registration.
- Comply with identification procedures (KYC) required by current regulations.
- Not use services for illegal purposes or contrary to current legislation.
4. PMI's Obligations
PMI commits to:
- Provide services with the required professional diligence.
- Comply with applicable payment services regulations.
- Protect client funds in accordance with safeguarding regulations.
- Keep users informed about service conditions.
5. Fees and Commissions
Applicable fees for each service will be communicated clearly and transparently to the user before confirming each transaction. PMI reserves the right to modify its fees with legally required prior notice.
6. Liability
PMI shall be liable for the correct execution of payment operations ordered by users, as established in the applicable payment services legislation.
7. Complaints
Users may submit complaints through:
- Email: reclamaciones@pmi.tech
- PMI Customer Service
- If no satisfactory response is obtained, complaints may be directed to the Bank of Spain's Claims Service.
8. Applicable Law
These Terms and Conditions are governed by Spanish law, in particular applicable payment services and anti-money laundering legislation, as well as the General Data Protection Regulation (EU) 2016/679.