Revision: Oct 1, 2026
1. Definitions
In this document, unless the context indicates otherwise, the following terms shall have the meanings set forth below:
1.1. "PUM!" or "the Company" refers to the legal entity “REBRIUM”, S.A. DE C.V., a variable-capital corporation (sociedad anónima de capital variable) organized under the laws of the United Mexican States, with its registered address at Av. Lázaro Cárdenas, número 435, interior 410, Colonia Los Arcángeles, San Pedro Garza García, Nuevo León, México, C.P. 66266.
1.2. "PUM Platform" or "the Application" refers to the software and services provided by PUM! that allow users to acquire, manage and learn about the products, services, goods and benefits that PUM! facilitates.
1.3. "User(s)" refers to any individual or entity that uses the Application.
1.4. "Content" refers to any information, data, text, images or any other material entered by users into the Application.
1.5. "Personal Data" refers to any information relating to an identified or identifiable individual, in accordance with applicable data protection laws.
1.6. "Third Parties" refers to any person or entity other than PUM!, an employee of PUM! or a user of the Application, including service providers.
2. Description of the Service
2.1. The PUM! Platform is a SaaS application through which PUM! provides services to business organizations in order to make goods, services and products available to them so that they may benefit their human capital by protecting its well-being under a unified and continuously improving framework (hereinafter: the “Benefits”); it also provides them, as a service, with tools for the general administration of the Benefits. The Application uses encryption technologies and appropriate security measures to ensure the confidentiality and protection of information.
2.4. The Application offers tools for the comprehensive administration of the Benefits:
Lead capture and follow-up.
Capture and follow-up of policy issuance for all lines of insurance.
Capture by reading PDFs of policy declarations pages.
Quote/issuance follow-up via web services.
Management of insureds, vehicles and locations.
Premium collection follow-up.
Renewal follow-up.
Commission posting and reconciliation.
Posting through account statements.
Claims capture and follow-up.
Reports for viewing information.
Data extraction.
2.5. PUM! reserves the right to modify, update, suspend or discontinue any feature or service offered by the Application at any time and at its discretion. Users will be notified of any significant change to the service through the Application or through other means of communication provided by PUM!.
3. Eligibility and Registration
3.1. To use the Application, users must meet the following eligibility requirements:
3.1.1. Be of legal age in their jurisdiction of residence or, if a minor, have the consent of a parent or legal guardian to use the Application.
3.1.2. Not have been previously suspended or barred from using the Application by PUM! or for any other applicable legal reason.
3.2. Employees of PUM!'s clients who wish to use the Application must register by providing accurate, current and complete information about themselves, including their name, email address, telephone number and any other information requested during the registration process.
3.3. Clients who wish to use the Application to administer the Benefits must register in the Application and accept these terms and conditions on behalf of their company. By registering, clients represent and warrant that they have the necessary authority to legally bind their company to these terms and conditions.
3.4. Users are responsible for maintaining the confidentiality of their login information and password and for ensuring that they do not share them with third parties. Each User is responsible for all activities that occur under their account and must notify PUM! immediately if they suspect unauthorized access or fraudulent activity on their account.
3.5. PUM! reserves the right, in its sole discretion, to refuse a User's registration, suspend or cancel an account, or limit access to the Application in the event of a breach of these terms and conditions or any applicable law, or for any other reason that PUM! deems reasonable.
4. Licenses and Intellectual Property
4.1. PUM! and its licensors retain all right, title and interest in and to the Application, including, without limitation, all intellectual property rights. The Application is protected by copyright, trademark, patent and other intellectual property laws applicable in the United Mexican States and internationally.
4.2. By using the Application, users are granted by PUM! a limited, non-exclusive, non-transferable and revocable license to access and use the Application and its services, solely for personal and internal business purposes, in accordance with these terms and conditions and any applicable law.
4.3. Users may not copy, modify, distribute, sell, sublicense, rent, lease, lend, transfer, reverse engineer, decompile, disassemble, create derivative works of, or use the Application in any manner not authorized by these terms and conditions or by PUM!.
4.4. By entering content into the Application, users grant PUM! a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, prepare derivative works of, display and perform such Content in connection with the provision of the Application and PUM!'s services, including, without limitation, the promotion and redistribution of part or all of the Application. Any information that may be classified as confidential information is excluded.
4.5. Users represent and warrant that they have all rights, powers and authority necessary to grant the licenses described in this section and that the content provided through the Application does not infringe the intellectual property rights of third parties, including, without limitation, copyrights, trademarks, patents or rights of publicity or privacy.
4.6. PUM! respects the intellectual property rights of third parties and expects users to do the same. If a user believes that their work has been copied in a way that constitutes copyright infringement, they must notify PUM! and provide the information necessary to assess the situation and, where appropriate, take steps to resolve the issue.
5. Acceptable Use
5.1. By using the Application, users agree to comply with all applicable laws and regulations, as well as with these terms and conditions. In addition, users must not:
5.1.1. Use the Application for illegal, fraudulent, defamatory, harassing, discriminatory, threatening, abusive, obscene, offensive or otherwise inappropriate purposes.
5.1.2. Cause damage, disruption or interference to the Application, its systems, servers or networks, or attempt to gain unauthorized access to them.
5.1.3. Impersonate another person or entity, misrepresent their identity or affiliation, or provide false or misleading information to PUM! or to other users.
5.1.4. Transmit or share viruses, malware, corrupted files or other content that may damage or adversely affect the Application, users' devices or PUM!'s systems.
5.1.5. Collect, store or share personal information of other users without their consent, or in any manner that violates applicable privacy and data protection laws.
5.1.6. Infringe the intellectual property rights of PUM!, other users or third parties, including, without limitation, copyrights, trademarks, patents or rights of publicity or privacy.
5.2. PUM! reserves the right, in its sole discretion, to investigate and take appropriate legal or technical action in response to any unauthorized, illegal or unacceptable use of the Application by users, including the suspension or cancellation of accounts, the removal of Content or notification to the competent authorities.
6. Privacy and Data Protection.
6.1. By using the Application, users agree that PUM! may collect, store, process and use personal information and data in accordance with PUM!'s Privacy Policy, which is incorporated into these terms and conditions by reference. The Privacy Policy describes how PUM! handles users' personal information, including what information is collected, how it is used and how it is shared with third parties, if applicable.
6.2. PUM! is committed to protecting the privacy and security of users' personal information and to complying with applicable data protection laws and regulations in the United Mexican States and in other countries where it operates.
6.3. Users are responsible for maintaining the confidentiality of their login information and password and for ensuring that they do not share them with third parties. Each user is responsible for all activities that occur under their account and must notify PUM! immediately if they suspect unauthorized access or fraudulent activity on their account.
6.4. The Application may use cookies and similar technologies to improve the user experience and to collect information about the use of the Application. Users may configure their browsers to reject cookies, but this may affect the functionality and performance of the Application.
6.5. The Application may contain links to third-party websites, applications and services. PUM! is not responsible for the privacy and data protection practices of such third parties, and Users should review their privacy policies before providing them with personal information.
7. Security
7.1. PUM! strives to protect the security of users' information and data by taking reasonable technical and organizational measures to ensure the integrity, confidentiality and availability of the information provided or generated through the Application.
7.2. Notwithstanding PUM!'s efforts, users acknowledge and agree that no data transmission over the Internet or storage of digital information can guarantee absolute security. Accordingly, PUM! cannot guarantee that the information provided or generated through the Application is fully protected against unauthorized access, loss, theft, misuse, modification or disclosure.
7.3. Users are responsible for protecting their devices, systems and networks against unauthorized access, malware, viruses and other security risks. This includes keeping security software up to date, using strong passwords and not sharing confidential information through unsecured communication channels.
7.4. In the event that PUM! becomes aware of a security breach affecting users' personal information, PUM! will inform the affected users and take measures to mitigate the risks and, where applicable, notify the competent authorities, in accordance with applicable laws and regulations.
7.5. Users must notify PUM! immediately if they suspect unauthorized access or fraudulent activity on their account, or if they have reason to believe that the security of the Application has been compromised.
8. Liability and Warranties
8.1. The Application is provided "as is" and "as available," without express or implied warranties of any kind, including, without limitation, warranties of merchantability, fitness for a particular purpose, title and non-infringement.
8.2. PUM! does not warrant that the Application will always be secure, accessible or error-free, that it will operate without interruptions or delays, or that it will meet users' specific expectations and needs.
8.3. Users agree to assume all risks associated with the use of the Application, including liability for any loss, damage or harm they may suffer as a result of their use of or reliance on the Application.
8.4. In no event shall PUM!, its affiliates, employees, directors, agents, suppliers or licensors be liable for any direct, indirect, incidental, special, punitive or consequential damages (including, without limitation, loss of revenue, loss of profits, loss of data, reputational damage, costs of procurement of substitute goods or services, business interruption or any other loss) arising from the use of or inability to use the Application, even if PUM! has been advised of the possibility of such damages.
8.5. PUM!'s total cumulative liability with respect to these terms and conditions and the use of the Application shall not exceed the amount representing 5% (five percent) of what the User has paid to PUM!, if any, during the three (3) months preceding the claim.
8.6. Users agree to indemnify and hold harmless PUM!, its affiliates, employees, directors, agents, suppliers and licensors from and against any and all losses, damages, costs, expenses (including reasonable attorneys' fees) and liabilities arising from any claim, demand, action, investigation or proceeding related to: (a) the user's use of the Application; (b) the user's breach of these terms and conditions; (c) the user's violation of any applicable law or regulation; or (d) the user's infringement of the intellectual property, privacy, publicity or other rights of third parties.
9. Third Parties and External Links
9.1. The Application may include links to third-party websites, applications or services that are not under the control of PUM!. These links are provided solely for the convenience of users and do not constitute an affiliation with, or an endorsement or approval by PUM! of, such third-party websites, applications or services.
9.2. PUM! is not responsible for the content, policies, practices or availability of third-party websites, applications or services linked from the Application. Users access and use such third-party websites, applications or services at their own risk and responsibility.
9.3. These terms and conditions do not apply to third-party websites, applications or services linked from the Application. Users must review and accept the terms and conditions, privacy policies and other applicable legal documents of such third-party websites, applications or services before using them.
10. Modifications and Updates
10.1. PUM! reserves the right to modify, update or suspend the Application at any time and without prior notice. This includes the addition, modification or removal of features, content or services, or the temporary or permanent discontinuation of the Application. Users agree that PUM! shall not be liable to them or to any third party for any modification, update or suspension of the Application.
10.2. PUM! also reserves the right to modify these terms and conditions at any time and at its discretion. If significant changes are made to these terms and conditions, PUM! will notify Users by means of a notice in the Application or by another reasonable method of communication.
10.3. Changes to these terms and conditions shall take effect as of the date on which they are published or Users are notified, unless a later effective date is specified. The user's continued use of the Application after the changes take effect shall constitute acceptance of the amended terms and conditions.
10.4. If users do not agree with the changes to the terms and conditions, they must stop using the Application and, if applicable, cancel their account.
11. Termination and Suspension
11.1. These terms and conditions shall take effect when the user begins using the Application and shall remain in force until terminated by either party.
11.2. Users may terminate these terms and conditions at any time and for any reason by deleting their account and ceasing to use the Application. If the User has prepaid for unused services, PUM! shall not be obligated to refund such payments.
11.3. PUM! may, at its discretion and without liability, suspend or terminate these terms and conditions, the user's access to the Application or the user's account if: (a) the user has violated these terms and conditions, any applicable law or regulation, or the intellectual property, privacy, publicity or other rights of third parties; (b) PUM! considers the user's conduct to be harmful to other Users or to the reputation or operation of the Application; or (c) for any other reason at PUM!'s discretion.
11.4. In the event of termination or suspension, PUM! reserves the right to delete or retain any information, content or data that the user has provided or generated through the Application.
11.5. The provisions of these terms and conditions that, by their nature, should survive termination or suspension shall remain in force after termination or suspension, including, without limitation, provisions relating to intellectual property, limitations of liability, indemnification, and governing law and jurisdiction.
12. Governing Law and Jurisdiction
12.1. These terms and conditions, as well as any dispute, controversy, claim or disagreement arising out of, relating to, or in connection with the user's use of the Application, shall be governed by and construed in accordance with the laws of the United Mexican States, without giving effect to its conflict of laws principles.
12.2. The parties agree to submit any dispute, controversy, claim or disagreement arising out of, relating to, or in connection with these terms and conditions or the use of the Application to the exclusive jurisdiction of the competent courts located in the State of Nuevo León, expressly waiving any other venue or jurisdiction to which they may be entitled by reason of their present or future domiciles or for any other reason.
12.3. Before initiating any legal action, the parties agree to attempt in good faith to amicably resolve any dispute, controversy, claim or disagreement arising out of, relating to, or in connection with these terms and conditions or the use of the Application through direct negotiations between them.