Zenda Crédito

**IMPORTANT — Zenda Crédito does NOT grant loans.** We are an intermediary and guide to financing products. We are not a financial institution, nor a lender, and we do not grant credit directly. Our role is to help you learn about loan options offered by the financial institutions and lenders we collaborate with.

### What is Zenda Crédito?
Zenda Crédito is an application that guides adult users in Mexico to identify financing products that may fit their profile. After you share your basic information, our system performs an automatic evaluation and presents you with a list of available financial products from our partners. In the list, you will see the product name and can access more details if you decide to continue.

### How does it work?

1. Register with your mobile phone number.

2. Complete your personal and financial information: name, email address, gender, address, age, employment information, bank details, and emergency contact.

3. Upload a photo of your official ID using your camera or by choosing an image from your gallery.

4. Our system analyzes your profile and shows you available financing products.

5. Select the product that interests you and follow the process directly with the corresponding provider.

### Institutions and Products We Collaborate With (Examples)
Some of our business partners are:
- AvaFin – Your Online Loan
- Addi Shop – Installment Purchases
- Monet – Online Loans
- Habitação Caixa

Each product is offered directly by the corresponding provider. Zenda Crédito does not decide or guarantee loan approval, nor the final terms, which are defined exclusively by each financial institution.

### Representative Ranges of the Products Shown
- Loan Amount: from $1,000 MXN to $100,000 MXN.

- Term: from 91 days to 3 years (36 months).

- Annual Interest Rate (Representative APR): from 15% to 36%.

These ranges are for informational purposes only. Actual terms will depend on the product, the provider, and your credit profile.

### Representative Loan Example
**Example:**
- Loan Amount: $10,000 MXN

- Term: 91 days

- Annual Interest Rate: 36%

- Estimated Interest: $10,000 × 36% ÷ 365 × 91 = approximately $897 MXN

- Estimated Total Amount to Pay: $10,897 MXN

The above calculations are for reference only. Final costs, fees, and terms will be provided by the product provider before you accept any offer.

### Requirements
- Be over 18 years of age and have the legal capacity to enter into a contract.

- Have a valid official ID.

- Have a valid mobile phone number in Mexico.

- Have a bank account or card for the deposit.

### Application Permissions
To complete the identification process, Zenda Crédito requests the following permissions:
- **Camera:** to capture a photograph of your official ID.

- **Gallery/Storage:** to select an existing image of your official ID.

These permissions are used solely for identity verification and user authentication purposes.

### Security and Privacy
- Zenda Crédito does not share your personal or financial information with third parties other than for the purposes described.

- We use the analytics tool Adjust to understand application usage and improve your experience. Adjust does not receive personally identifiable contact or financial data.

- All information is transmitted and stored with security measures designed to protect your privacy.

### Contact
Developer: EVOLVING THE MAMA MINDSET, LLC
Email: [email protected]
Physical Address: Panaderos 23, Veracruz, VER, 91728, Mexico