Legal & Compliance

Fintech.com.ve (“Platform”) is a digital information and connectivity platform operated by Latido Capital LLC. The Platform provides users with access to financial information, service comparisons, and third-party financial solutions related to payments, transfers, currency exchange, and financial services in Venezuela.

The Platform does not act as a bank, financial institution, money transmitter, broker, or licensed financial intermediary.

Fintech.com.ve operates strictly as:

• An informational platform
• A referral and discovery layer
• A connector between users and third-party service providers

The Platform does not directly provide financial services, hold funds, process payments, or execute transactions unless explicitly stated.

The Platform operates in accordance with applicable United States laws and regulations, including the Venezuela Sanctions Regulations (31 CFR Part 591) administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC).

The Platform does not:

• Facilitate transactions with individuals or entities listed on the OFAC Specially Designated Nationals (SDN) list
• Engage in transactions involving sanctioned entities, including the Government of Venezuela or Petróleos de Venezuela, S.A. (PdVSA), except where permitted by applicable general licenses
• Provide services intended to circumvent U.S. sanctions or regulatory restrictions

Users are solely responsible for ensuring their own compliance with applicable sanctions laws and regulations.

Financial services in Venezuela are regulated by authorities including:

• SUDEBAN (Superintendencia de las Instituciones del Sector Bancario)
• SUNACRIP (for digital assets and cryptocurrency-related activities)

Fintech.com.ve:

• Is not licensed by SUDEBAN
• Is not a regulated financial institution in Venezuela
• Does not provide banking, lending, or payment processing services directly

The Platform may reference or connect to third-party services that are subject to Venezuelan regulation.

The Platform does not:

• Hold customer funds
• Process payments directly
• Guarantee execution of transactions

Transactions may occur through third-party providers or directly between users, including but not limited to:

• Bank transfers
• U.S. dollar payments
• Zelle or similar systems
• Digital assets (where applicable)

All payment-related risks, including fraud, currency volatility, and transfer limitations, are assumed by the user.

All content provided on the Platform is for informational purposes only.

Fintech.com.ve does not provide:

• Financial advice
• Investment recommendations
• Legal or tax guidance

Users should consult qualified professionals before making financial decisions.

The Platform may display, link to, or integrate third-party financial services.

Fintech.com.ve:

• Does not control third-party providers
• Does not guarantee their performance or legality
• Is not responsible for services, products, or outcomes provided by third parties

Users acknowledge that financial activity may be subject to anti-money laundering (AML) and know-your-customer (KYC) regulations in applicable jurisdictions.

Users are responsible for:

• Providing accurate information
• Complying with all applicable laws
• Avoiding prohibited or illegal financial activity

Fintech.com.ve and Latido Capital LLC shall not be liable for:

• Financial losses
• Failed transactions
• Errors in third-party services
• Regulatory or legal consequences arising from user activity

Use of the Platform is at the user's own risk.

This Platform operates across multiple jurisdictions.

• U.S. law may apply to compliance and sanctions matters
• Venezuelan law may apply to local financial and commercial activities

Users agree to comply with all applicable laws in their jurisdiction.

Fintech.com.ve is operated by Latido Capital LLC.

For legal or compliance inquiries, contact Latido Capital directly: