PAKTUO

Terms and Conditions

Last updated: February 20, 2026

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1. Acceptance of terms

By registering, accessing, or using PAKTUO, you accept these Terms and Conditions. If you do not accept these terms, you must stop using the platform.

PAKTUO is an application developed, operated, and owned by Santiago Rivas Creel.

2. Nature of the service

PAKTUO is a digital tool for recording private agreements between people with a prior relationship (family, friends, or acquaintances).

  • PAKTUO does not lend money or intermediate payments.
  • PAKTUO does not hold funds or extend credit lines.
  • PAKTUO is not a financial institution, regulated fintech, or savings/credit entity.
  • PAKTUO does not guarantee the fulfillment of agreements between users.
  • PAKTUO does not participate in negotiations between parties.

3. User responsibility

Each user is exclusively responsible for:

  • the accuracy of the information recorded;
  • their legal capacity to enter into agreements;
  • fulfilling the obligations they assume;
  • verifying the identity and data of their counterpart.

PAKTUO does not validate legal identity or financial solvency of third parties.

4. Nature of agreements

Agreements recorded in PAKTUO are digital records between users and:

  • do not automatically constitute enforceable titles;
  • do not replace contracts formalized before a public notary;
  • do not create legal obligations for Santiago Rivas Creel or the platform.

5. Limitation of liability

To the maximum extent permitted by law, PAKTUO shall not be liable for:

  • defaults between users;
  • direct or indirect economic losses;
  • moral, incidental, or consequential damages;
  • data loss or service interruptions;
  • disputes arising from use of the platform.

PAKTUO's total cumulative liability is limited to a maximum of 100 USD.

6. Indemnification

You agree to indemnify and hold harmless PAKTUO, its founders, team, and affiliates against claims arising from misuse, false data, breach of agreements, or violation of these terms.

7. Prohibited use

Using PAKTUO for illegal activities is prohibited, including:

  • fraud, simulation of transactions, or money laundering;
  • harassment, coercion, or abuse towards third parties;
  • any activity contrary to applicable laws.

8. Intellectual property

The code, design, brand, content, and interfaces of PAKTUO are the exclusive property of PAKTUO. Reproduction or use without express authorization is prohibited.

9. Service availability

The platform is offered "as is" and "as available". PAKTUO does not guarantee uninterrupted operation, absence of errors, or immediate correction of faults.

10. Termination

PAKTUO may suspend accounts, delete information, or cancel access when necessary to protect the platform, comply with legal obligations, or enforce these terms.

11. Modifications

PAKTUO may update these terms at any time. Continued use of the platform implies acceptance of the published changes.

12. Force majeure

PAKTUO shall not be liable for breaches caused by events beyond its reasonable control.

13. Governing law and jurisdiction

These terms are governed by the laws of the United Mexican States. Any dispute shall be resolved before the competent courts of Mexico City, Mexico.