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Legal agreements

Last updated: April 2026 · Version 1.0

Language Prevalence Notice / Aviso de prevalencia

This document is a courtesy translation provided for informational purposes only. The Spanish-language version of this document is the official version registered with the applicable regulatory authority and shall prevail in the event of any discrepancy between the two versions. By using our services, you acknowledge that the Spanish-language version is the legally binding document.

Este documento es una traducción de cortesía proporcionada con fines informativos. La versión en español es la versión oficial registrada ante la autoridad regulatoria aplicable y prevalecerá en caso de cualquier discrepancia entre ambas versiones.

Tu Gerente Financiero S.A.S. — Legal Agreements and Authorized Inquiry Entities

Last updated: May 2026

By registering and/or applying for a loan on Tu Gerente Financiero, you expressly authorize the inquiry of your information with the entities listed below according to the country where you operate. This authorization is an essential requirement for credit assessment and compliance with regulatory obligations.

1. Colombia

1.1 Credit Bureaus

Entities authorized for inquiry and reporting:

EntityNITWebsiteAuthorization
TransUnion Colombia S.A.830.052.872-1www.transunion.com.coCredit history inquiry, credit score, indebtedness information
Datacredito Experian Colombia S.A.S.830.115.274-4www.datacredito.com.coCredit history inquiry, credit score, fraud alerts

Legal framework: Ley 1266/2008 Financial Data Subject Rights (Habeas Data), Decreto 2952/2010 credit bureau regulation. Negative data retention: up to 4 years (twice the delinquency period pursuant to Ley 1266/2008).

1.2 SARLAFT Restricted Lists

Databases consulted on a mandatory basis:

List / DatabaseEntityReference
Clinton List (OFAC)US Department of the Treasurywww.ofac.treas.gov
UN Lists (Security Council)United Nationswww.un.org/securitycouncil/sanctions
INTERPOL ListsINTERPOLwww.interpol.int
SAGRILAFTTGF / Self-Control SystemAML/CFT/WMD Proliferation Financing Risk Management
UIAF databaseUnidad de Informacion y Analisis Financierowww.uiaf.gov.co
PEP ListsPolitically Exposed PersonsCircular 054/2004 SFC

Legal framework: Circular Externa 022/2007 SFC (SARLAFT), Decreto 1674/2014 SAGRILAFT, Ley 526/1999 creation of the UIAF.

1.3 Identity Verification (KYC)

ProviderServiceReference
MetaMap (Mati Technologies Inc.)Biometric identity verification, identity document validation, liveness checkwww.metamap.com — integration in progress
Registraduria Nacional del Estado CivilColombian national ID (cedula de ciudadania) validationwww.registraduria.gov.co

1.4 Technology Partners

ProviderServiceDetails
Amazon Web Services (AWS)Cloud infrastructure: servers, database, storage, securityRegion: us-east-1 (Virginia, USA). Certifications: ISO 27001, SOC 2, PCI DSS. www.aws.amazon.com

1.5 Payment Channels (integration pending)

ChannelOperatorReference
PSE (Pagos Seguros en Linea)ACH Colombiawww.achcolombia.com.co
EfectyPatria S.A. — Correspondent networkwww.efecty.com.co
BalotoIGT Colombia — Payment points networkwww.baloto.com

2. Peru

2.1 Credit Bureaus

EntityRUCWebsiteAuthorization
Equifax Peru S.A.20100284537www.equifax.com.peCredit history inquiry, credit score, INFOCORP
Sentinel (Equifax)—www.sentinelperu.comCredit database inquiry
INFOCORP (Risk Information System)Managed by Equifax Peru—Credit inquiry and reporting

Legal framework: Ley 26702 Art. 158-160 credit bureaus, SBS resolution on private credit bureaus, Ley 29733 Personal Data Protection.

2.2 AML/CFT Restricted Lists

List / DatabaseEntityReference
OFAC ListUS Department of the Treasurywww.ofac.treas.gov
UN Lists (Security Council)United Nationswww.un.org/securitycouncil/sanctions
UIF-PeruUnidad de Inteligencia Financierawww.sbs.gob.pe/uif
PEP Lists PeruPer SBS Resolution—

Legal framework: Ley 27693 creation of UIF-Peru, SBS Resolution on PLAFT (AML/CFT Prevention).

2.3 Identity Verification (KYC)

ProviderServiceReference
MetaMap (Mati Technologies Inc.)Biometric and identity verificationwww.metamap.com — integration in progress
RENIECPeruvian national ID (DNI) validationwww.reniec.gob.pe

2.4 Technology Partners

ProviderServiceDetails
Amazon Web Services (AWS)Cloud infrastructureRegion: us-east-1 (Virginia, USA). www.aws.amazon.com

3. Ecuador

3.1 Credit Bureaus

EntityRUCWebsiteAuthorization
Equifax Ecuador S.A.1791251237001www.equifax.com.ecCredit history inquiry, credit score, credit database
Buro de Credito (Equifax)Managed by Equifax—National credit information system, supervised by the Superintendencia de Bancos

Legal framework: COMF articles on credit bureaus, Junta de Politica Monetaria resolution on credit information, LOPDP 2021 financial data processing.

3.2 AML/CFT Restricted Lists

List / DatabaseEntityReference
OFAC ListUS Department of the Treasurywww.ofac.treas.gov
UN Lists (Security Council)United Nationswww.un.org/securitycouncil/sanctions
UAFEUnidad de Analisis Financiero y Economicowww.uafe.gob.ec
PEP Lists EcuadorPer SEPS regulations—
CONSEP (related lists)Consejo Nacional de Control de Sustancias Estupefacientes—

Legal framework: Ley de Prevencion, Deteccion y Erradicacion del Delito de Lavado de Activos, applicable UAFE resolution.

3.3 Identity Verification (KYC)

ProviderServiceReference
MetaMap (Mati Technologies Inc.)Biometric and identity verificationwww.metamap.com — integration in progress
Registro Civil EcuadorEcuadorian national ID (cedula de identidad) validationwww.registrocivil.gob.ec

3.4 Technology Partners

ProviderServiceDetails
Amazon Web Services (AWS)Cloud infrastructureRegion: us-east-1 (Virginia, USA). www.aws.amazon.com

4. Panama

4.1 Credit Bureaus

EntityWebsiteAuthorization
TransUnion Panamawww.transunion.com.paCredit history inquiry, credit score, indebtedness information
Equifax Panamawww.equifax.com.paCredit history inquiry, national credit database
FICO Score PanamaThrough local bureausCredit score inquiry

Legal framework: Decreto Ley 9/1998 articles on credit bureaus, SBP agreement on credit information, Ley 81/2019 personal data protection.

4.2 AML/CFT Restricted Lists

List / DatabaseEntityReference
OFAC ListUS Department of the Treasurywww.ofac.treas.gov
UN Lists (Security Council)United Nationswww.un.org/securitycouncil/sanctions
UAF PanamaUnidad de Analisis Financierowww.uaf.gob.pa
PEP Lists PanamaPer Ley 23/2015—
Registro Publico de PanamaLegal entity verificationwww.registro-publico.gob.pa

Legal framework: Ley 23/2015 AML/CFT measures, SBP agreement on AML/CFT prevention, Ley 81/2019 data protection.

4.3 Identity Verification (KYC)

ProviderServiceReference
MetaMap (Mati Technologies Inc.)Biometric and identity verificationwww.metamap.com — integration in progress
Tribunal Electoral de PanamaPanamanian national ID (cedula) validationwww.tribunal-electoral.gob.pa

4.4 Technology Partners

ProviderServiceDetails
Amazon Web Services (AWS)Cloud infrastructureRegion: us-east-1 (Virginia, USA). www.aws.amazon.com

5. Authorization statement

By accepting these agreements you confirm that:

  1. You have read and understood the entities authorized for inquiry in your country.
  2. You expressly authorize the inquiry of your information with said entities for credit assessment purposes.
  3. You authorize the reporting of your credit behavior to the corresponding credit bureaus.
  4. You understand that this authorization is an essential requirement to access the service.
  5. You may revoke this authorization at any time, which will result in termination of the service.

6. Authorization validity

The inquiry authorization is valid during:

  • The credit assessment process.
  • The term of the granted loan.
  • Up to 10 years after contract termination (regulatory retention obligation).

7. Contact

For questions about legal agreements and authorized inquiry entities:

ChannelDetails
Emaillegal@tugerentefinanciero.app
Response time10 business days