Welcome to Simera App, managed by Evolution Paytech Network.
By accessing or using the App, you agree to comply with and be bound by these Terms and Conditions.
Please read this agreement carefully. By selecting "I accept the terms and conditions of service" or by logging into the Simera App service, you indicate that you have read and accept the Terms and Conditions of the Simera App services, including our Privacy Policy.
You must be at least 18 years old (or the legal age in your jurisdiction) to use this app. By using the Simera App, you represent and warrant that you meet these requirements.
The word "card" refers in this contract to the credit card issued in favor of the cardholder. It is a Visa brand card, duly certified in Virtual or Physical chip technology, which works as a highly secure means of payment, since the limit of use is determined by a voluntary and prior charge of money made on this card. The cardholder can decide how much money to have available for purchases and withdrawals, within the parameters pre-established by Simera App.
The app allows users to:
We may modify, suspend, or discontinue any part of the app at any time without notice.
All customers who use the digital services of Simera App accept and undertake to:
Provide truthful and verifiable information for "Know Your Customer" forms, about the lawful origin of funds and the purpose of the business relationship.
The client must update their data annually or within fifteen (15) business days after a significant change in their transactional profile, income level, or legal representation.
Operations carried out by entering the user and their personal access code are understood to have been carried out by the customer. The entry of said data is equivalent to the customer's signature, having identical legal effects.
Any claim or dispute related to the use of the card must be reported to our customer service within 30 days of the date of the transaction in question.
Simera App has a legal obligation to report unusual or unjustified transactions. Under the "Tipping-off" principle, Simera App is prohibited by law from informing the user about the existence or sending of such a report.
You are responsible for protecting your device and account. The client's personal access code is secret, personal, and non-transferable. Disclosure to third parties and/or its use by them falls under the total and exclusive responsibility of the client.
Customers shall at all times comply with all applicable laws, rules, and regulations in connection with the use of the Simera App. Customers shall not use the Simera App for any activity that violates any laws or regulations, including but not limited to the incorrect transmission of copyrighted material, the sending of threatening or obscene materials, or misappropriation or export of trade or national secrets.
Your use of the app is also regulated by our Privacy Policy, which explains how we collect, use, and protect your data.
The app can integrate with third-party services (e.g., banks, payment processors). We are not responsible for their performance or policies.
To the fullest extent permitted by law:
We may suspend or terminate your account at any time if:
By agreeing to these Terms and Conditions and providing us with your mobile number and email address, you expressly authorize us to contact you via text messages or emails related to your accounts, products or services, daily operations, and for notifications and alerts about your accounts or services with Simera App (e.g., transferring funds, improving your credit card security, notifications and alerts about your credit card purchases and withdrawals, among others).
These Terms are governed by applicable laws without regard to principles of conflicts of law.
We may update these terms, conditions, and policies from time to time. Your continued use of the app following changes constitutes acceptance of the updated terms, conditions, and policies.
Our customer service team is available Monday through Friday from 9:00 am to 5:00 pm local Puerto Rico time, offering expert assistance when you need it.
For questions or support, please contact us at: [email protected]
By using Simera App, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
All days are business days except Saturdays, Sundays, and U.S. federal holidays.
In accordance with the Law on the Protection of the Individual against the processing of Personal Data, the company collects data for legal and contractual purposes. This includes identification data, contact information, IP geolocation data, financial profiles, and biometrics for identity validation.
Our platform uses technical and analytical cookies to guarantee the security of browsing and access to the Simera App. These allow detecting fraud patterns, access from unusual locations, and ensuring the integrity of funds, complying with technological risk management policies.
We use information for purposes permitted by law, such as servicing; communicating with you; improving our site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing our products and services; tracking the use of the Simera App (such as number of visits and session duration) to evaluate the usefulness of our sites; and the use of read receipt notifications in our email communications.
Cookies is also a term used to describe other locally stored objects, such as cookies stored in an Adobe folder on your device. These cookies will not be deleted when you clear your browser cookies. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising.
We may share information with service providers we work with, such as data processors and companies that help us market products and services to you. Where permitted or required by law, we may share information with additional third parties for purposes including responding to legal process.
All information collected will be stored in automated databases with high encryption standards. In accordance with the Compliance Manual and current regulations, records will be kept for a minimum period of ten (10) years after the end of the commercial relationship.
All staff and third parties linked to Simera App are subject to a duty of absolute confidentiality and professional secrecy with respect to customer data and their financial movements.
Access to the client's digital file is limited exclusively to the Compliance Officer and authorized operational personnel, under internal audit protocols.
The customer grants express, informed, and indefinite authorization to Simera App to consult their information in the Know Your Customer Information Center.
Simera App is authorized to make queries in databases of credit protection agencies to strengthen the due diligence process and verify the consistency between the declared economic capacity and the actual financial behavior.
All information obtained will have the sole purpose of mitigating the risks of money laundering, terrorist financing, and financing of the proliferation of weapons of mass destruction (LPD/FT/FPADM).
The provision of false or incomplete information, or the refusal to update the due diligence file, will entitle Simera App to immediately suspend digital services and terminate the contract without liability for Evolution Paytech Network, proceeding to close accounts in accordance with compliance regulations.
Our team is ready to clarify any part of our Terms and Conditions.