TERMS AND CONDITIONS OF THE “WELCOME OFFER” CAMPAIGN
Last updated: April 7th, 2026
By means of this document, the Participant is informed of the terms and conditions of use (hereinafter, the “Terms and Conditions” or “T&C”) applicable to the operation of the campaign identified as “Welcome Offer” (hereinafter, the “Campaign”).
Participants are responsible for carefully reading these Terms and Conditions, which may be subject to future amendments. It shall therefore be the Participants’ obligation to periodically consult the current version, which will be available for review on the web page https://miclip.mx/term/campana-bienvenida-en?embed=true.
If at any time Participants disagree, in whole or in part, with these Terms and Conditions or with any amendments thereto, they must immediately refrain from using the Campaign.
As a result of the foregoing, Participants who access and use the Campaign, as well as the services or tools made available to them by Clip Cartera Digital, S.A.P.I. de C.V. (“Clip Cartera Digital”), agree that the activities carried out shall be governed in accordance with these Terms and Conditions and with applicable laws and regulations, which the Participants hereby acknowledge having read and understood and, therefore, to which they agree to be bound.
Clip Cartera Digital reserves the right, at its sole discretion, to amend the rules of the Campaign at any time. In such case, it shall make such amendments public through the same means of communication in which the Campaign was originally published. Clip Cartera Digital shall not be liable to the Participants for any amendments made to the rules of the Campaign.
FIRST.- Definitions
App: The mobile and/or web app called “Mi Clip”, used to provide services related to the Digital Wallet and through which the Campaign will be made available.
Campaign: The promotional campaign called “Welcome Offer”, organized by Clip Cartera Digital pursuant to these T&C.
Digital Wallet: The set of functionalities provided by Clip Cartera Digital through the App, which allow the User to carry out transactions such as bill payments, top-ups, QR code payments and other functions that may be enabled from time to time, pursuant to the then-current Digital Wallet Terms and Conditions.
Clip AI: Clip AI, S.A. de C.V., Institución de Fondos de Pago Electrónico, a financial entity responsible for issuing, operating and managing the electronic payment funds account levels associated, where applicable, with the use of the Digital Wallet, whose own terms and conditions apply independently.
Digital Wallet Account: The User’s record within the App, through which they may access and use the Digital Wallet and, where applicable, participate in the Campaign.
Clip AI Account: The electronic payment funds account that the User holds with Clip AI, which is subject to the terms and conditions of such entity and to applicable regulations.
Cashback: A promotional benefit granted by Clip Cartera Digital to the User under the Campaign, consisting of an amount in the User’s favor that is applicable exclusively within the Digital Wallet for making purchases, payments or transactions in the App. Such benefit is not deposited as money, does not constitute electronic payment funds, is not freely disposable, cannot be withdrawn in cash or transferred to other accounts, and may be subject to validity periods and expiry, as provided in these T&C.
Valid Transaction: Any transaction carried out by the User through Clip AI that meets the characteristics, minimum amounts, transaction types and other requirements set forth in these T&C for purposes of entitling the User to receive Cashback.
User: Any individual who registers in the App, holds a Digital Wallet Account and meets the requirements set forth in these T&C to participate in the Campaign.
SECOND.- Participants, conditions and mechanics of the Campaign
a) Participants
The Campaign is intended exclusively for internal test users of the Digital Wallet (the “Users”) who: (i) have the “Mi Clip” App installed and hold a Digital Wallet Account; and (ii) have not completed their first transaction in Clip AI as of the Campaign start date, based on Clip Cartera Digital’s records.
Any external User who may have gained access to the App will be subject to these same terms, provided that they meet the above-mentioned requirements.
b) Conditions of the Campaign
To participate in the Campaign and obtain Cashback, the User must:
i) hold a valid registration in the App;
ii) where applicable, open an electronic payment funds account with Clip AI; and
iii) complete the relevant account opening process, as defined by Clip AI, when necessary to perform the transactions described in these Terms and Conditions (“T&C”); and comply with the Digital Wallet Terms and Conditions and with Clip AI’s terms and conditions, as well as with applicable law.
Certain functionalities (for example, deposits or bill payments) will only be available if the User has an active Clip AI Account, in accordance with applicable regulations and Clip AI’s T&C.
c) Campaign mechanics and events that generate Cashback
During the Campaign term, Users may obtain Cashback for carrying out, on a one-time basis, each of the following events:
- INE registration:
The User who registers their INE in Mi Clip and completes the corresponding identification process will receive $25.00 MXN (twenty five pesos 00/100 M.N.) in Cashback.
This benefit is granted only once, at the time the INE is registered and validated in accordance with Clip Cartera Digital’s internal processes.
- First deposit to the account:
The User who makes their first deposit of at least $50.00 MXN (fifty pesos 00/100 M.N.) into their Clip AI Account, through the channels enabled in the Digital Wallet, or link a credit, debit or prepayment card to their Clip AI Account will receive $25.00 MXN (twenty five pesos 00/100 M.N.) in Cashback.
For purposes of these T&C, “first deposit” shall mean any credit of money to the account, including transfers from another financial institution, provided that it is processed through Clip AI and meets the minimum amount specified above.
- First transaction with the Digital Wallet:
The User who makes their first transaction from their Clip AI Account for at least $50.00 MXN (fifty pesos 00/100 M.N.) using the channels enabled in the Digital Wallet will receive $50.00 MXN (fifty pesos 00/100 M.N.) in Cashback.
For purposes of the Campaign, only the following will be deemed valid transactions: i) bill payments (water, electricity, gas, toll tags (TAG) or others enabled in the App); and/or ii) mobile airtime top-ups; and/or iii) QR code payments enabled in the App.
Person-to-person transfers or any other transactions not expressly identified as valid are excluded from this Campaign.
Each of the above-described benefits may only be granted once per User and will be subject to validation by Clip Cartera Digital and/or Clip AI.
THIRD.- Cashback limits
The maximum amount of Cashback that a User may receive under the Campaign is $100.00 MXN (one hundred pesos 00/100 M.N.) which shall be granted upon the completion of the three events specified in the preceding Clause Second, in accordance with the established terms.
The User may not obtain additional Cashback for performing any of the above transactions more than once; that is, only the first INE registration, the first deposit and the first valid transaction during the Campaign term will be recognized.
FOURTH.- Nature of the Cashback, use within the App and expiry
The Cashback granted under the Campaign is a promotional benefit that is applicable exclusively within the Digital Wallet and may only be used to make purchases and payments within the App that are enabled for such purpose.
Under no circumstances shall the Cashback: i) be deposited as money into the User’s electronic payment funds account or be added to the balance of the Clip AI Account; ii) constitute electronic payment funds or funds freely disposable by the User; iii) be withdrawn in cash, requested at bank branches, correspondents, ATMs, cash networks or other channels; iv) be transferred to other electronic payment funds accounts, bank accounts or third parties; or v) be converted into cash, vouchers, gift cards or any other instrument other than its App within the Digital Wallet.
The Cashback will be applied as an amount in the User’s favor that may only be used to cover, in whole or in part, amounts payable within the App itself (for example, bill payments, top-ups, QR payments or other transactions that Clip Cartera Digital may enable from time to time).
The Cashback will be subject to a validity period. Once such period has elapsed without the User having used the benefit, the Cashback shall expire, be automatically cancelled and cease to be available, without giving rise to any obligation on the part of Clip Cartera Digital to provide compensation, reimbursement or payment of any kind.
The validity periods and, where applicable, expiry dates and additional conditions applicable to the Cashback will be communicated to the User through the App, notifications, emails or other electronic means.
The Cashback is non-transferable to other Users and may not be exchanged for any goods or services other than those permitted within the Digital Wallet.
FIFTH.- Communication of the benefit and crediting times
The Cashback will be reflected in the corresponding section of the App within a reasonable period after each event has been validated, in accordance with Clip Cartera Digital’s internal processes.
Crediting times may vary due to operational or reconciliation reasons, or due to the involvement of third parties (processors, payment networks, financial institutions), without creating any liability for Clip AI or Clip Cartera Digital beyond what is set forth under applicable law.
SIXTH.- Restrictions and grounds for exclusion
The following shall not be eligible for Cashback: i) transactions that do not meet the minimum amount of $50.00 MXN (fifty pesos 00/100 M.N.); ii) transactions carried out outside the Campaign term; iii) transactions that are cancelled, reversed, not authorized or that fail; iv) Users who are in breach of the Digital Wallet Terms and Conditions, Clip AI’s terms or applicable law; and v) transactions that, in Clip Cartera Digital’s view, are fraudulent, unusual, suspicious or carried out for the purpose of unduly obtaining the benefit.
Clip Cartera Digital may deny, cancel or reverse the Cashback when any of the above situations is detected, without prejudice to any additional actions it may take in accordance with law.
SEVENTH.- Relationship with other T&C
Participation in the Campaign is subject not only to these specific T&C, but also to the Digital Wallet Terms and Conditions and to the terms and conditions governing the Clip AI Account, all of which form an integral part of the contractual relationship with the User.
In the event of any discrepancy between these Campaign T&C and the Digital Wallet Terms and Conditions, the latter shall prevail, except where otherwise permitted under applicable regulations.
EIGHTH.- Term
The Campaign will run from April 7th at 00:00 hours until April 30th, 2026 at 23:59 hours. Notwithstanding the foregoing, Clip Cartera Digital may amend the term or terminate the Campaign early, by informing the User through the App and/or by electronic means.
NINTH.- Amendments and cancellation
Clip Cartera Digital may amend, update or cancel the Campaign, in whole or in part, as well as these T&C, at any time, by informing the User through the App or other electronic means.
The User’s continued participation in the Campaign after publication of any amendments shall constitute tacit acceptance of such amendments.
TENTH.- Confidentiality
The User agrees to maintain the confidentiality of any information received from Clip Cartera Digital by any means, whether verbal, written, graphic or electronic, that is deemed confidential pursuant to applicable laws in the United Mexican States, and not to share it with any person or entity, except with Clip Cartera Digital, its affiliates, parent companies, assignees and/or related parties, as set forth in Clip Cartera Digital’s Privacy Notice.
ELEVENTH.- Intellectual Property
The User hereby acknowledges that they do not and will not hold any rights over the trademarks, patents, trade names and/or industrial and intellectual property rights owned by Clip Cartera Digital. Accordingly, Users may not make any changes or modifications to such rights.
Clip Cartera Digital hereby informs the User that any designs and/or trademarks used in this Campaign that are different from Clip Cartera Digital’s trademarks are included for informational purposes only, as they are the property of their respective registered owners. Clip Cartera Digital is not responsible for the use and treatment given to such third-party elements.
TWELFTH.- Miscellaneous
Any unlawful act or attempted unlawful act, as well as any breach of these Terms and Conditions, will result in the User being excluded from the Campaign, without the possibility of re-entering it. Clip Cartera Digital may verify any unlawful act, attempted unlawful act or breach of these Terms and Conditions by any means it deems appropriate.
The Participant releases Clip Cartera Digital; its affiliates, controlled entities, subsidiaries; directors, shareholders, managers, employees; and all of Clip Cartera Digital’s associates from any and all liability in relation to, or in any way directly or indirectly arising from, these Terms and Conditions and/or the acceptance or use/misuse of the Campaign.
THIRTEENTH.- Jurisdiction and applicable law
These Terms and Conditions shall be governed in all respects by the laws in force in the United Mexican States. Any dispute arising out of these Terms and Conditions, including their existence, validity, interpretation, scope or performance, shall be submitted to applicable law and to the competent courts of Mexico City.
For the interpretation, performance and enforcement of these Terms and Conditions, Clip Cartera Digital and the Participant expressly submit to the jurisdiction of the competent courts of Mexico City, expressly waiving any other jurisdiction that may correspond to them by reason of their present or future domicile.