Terms of Service
These Terms of Service (these “Terms” or this “Agreement”) describe the terms and conditions that govern the use of, and upon which Plata Financial, Inc. (“we,” “us,” “our,” or “Plata”) will provide to you, our payroll, time tracking, attendance management, and money transfer platform (our “Platform”) any payroll, time tracking, attendance management, money transfer, and other related services we provide through our Platform (our “Services”), and our website and any related website or mobile applications (our “Site”).
These Terms apply to businesses managing their payroll, time tracking, attendance, or any combination thereof, through our Platform (“Businesses”), individuals who set up and operate business accounts behalf of Businesses (“Administrators”), and individuals who receive payroll, track their time, record their attendance, transfer money, or any combination thereof, through our Platform (“Members” and, together with Businesses and Administrators, “Users,” “you,” or “your”).
Please review these Terms carefully, as they form part of the binding contract between you as a User and Plata. These Terms cover important information about our Platform and Services and include information about future changes to these Terms, limitations of liability, a class action waiver, and resolution of disputes by arbitration instead of in court.
1. Use of our site
By accessing our Platform or Site or using our Services, you are agreeing to these Terms, including the terms set out in our Privacy Policy and Cookie Policy. We may modify these Terms from time to time. If we make any material changes, we will post the revised Terms on our Site, send you an email, or provide notice by some other means. The provisions contained in these Terms supersede all previous notices or statements regarding our Terms, as well as all previous versions of our Terms. We include the effective date of our Terms at the top of the statement. By using our Site following any modifications to the Terms, you agree to be bound by such modifications.
By submitting information through our Site and using our Services, you represent and warrant that you are 16 years of age or older. If you are agreeing to these Terms on behalf of an organization or entity, you represent and warrant that you authorized to agree to these Terms on that organization’s or entity’s behalf and bind such organization or entity to these Terms. All Users are responsible for providing current and accurate information through our Site and maintaining accurate and current personal information when using our Services. Any transactions conducted using User login credentials will be deemed to be authorized by the User.
2. Accounts
A. Business Accounts
Each Business must create an account in order to use our Services (a “Business Account”). The Business Account is affiliated with and owned by the Business and contains information relating to the Business (for example, payroll information or business expenses). Each Business must authorize at least one officer, employee, or third-party representative to act as an authorized administrator for each Business Account (each, an “Administrator”). If you create a Business Account on behalf of a Business, you are doing so as an Administrator and you understand and acknowledge that the Business (and not you) is the owner of the Business Account.
B. Administrator Profiles
Each Administrator will access their respective Business Account through an Administrator profile (an “Administrator Profile”). Each Administrator must maintain a unique and confidential username and password for their Administrator Profile. We may require additional identification and authentication information from each Administrator in order for them to establish and access their Administrator Profile.
C. Member Accounts
Each Member will access our Platform through a Member account (a “Member Account”). Each Member Account is associated with a Business Account, through which the associated Business (1) enables Members to access our Platform and Services and (2) authorizes Members to create a Member Account. We are providing you with access to your Member Account at the direction of the Business who invited you to the Platform.
To be eligible to create a Member Account, you must have a home address in the United States. If you are using the Member Account to enable a Business to process payments to you, you represent and warrant that you are eligible to create a Member Account and have provided all necessary consents and authorizations to enable the Business to process such payments.
Each Member must maintain a unique and confidential username and password for their Member Account. Each Member accepts all risks of unauthorized use of their Member Account if security and confidentiality of the Member Account login credentials are not maintained. If you believe that your Member Account credentials have been accessed or compromised by an unauthorized third party, you should contact us immediately. Plata reserves the right to prevent access to any Member Account if we have reason to believe that the Member Account or login credentials have been compromised.
In order to send a money through Plata, Members will need to create an account with Viamericas, a third-party money transmission service (a “Viamericas Account”). After creating a Viamericas Account, Members will be able to access the Money Transfer Services (as defined below) through our Platform. For more information on the Money Transfer Services, see Section 7 below; for information on our terms governing third-party services, see Section 6 below; and for information on how we use your information to provide the Money Transfer Services, see our Privacy Policy.
3. Business identity and bank account verification
To help prevent the funding of terrorism and money laundering activities, federal law requires financial institutions like Plata to obtain, verify, record, and monitor information that identifies each Business’s business entity, Administrator or Administrators, and responsible party (“Signatory”). To accomplish this, Plata requires Businesses to provide certain information to us from time to time, especially during onboarding of a Business or Administrator Account.
This information may include, but is not limited to, identifying information about Businesses, Administrators, and Signatories, including legal name, address, date of birth or organization, taxpayer ID, phone number, email address, business entity ownership documentation, and other information (“Identification Information”); identifying documentation about Businesses, Administrators, and Signatories, including certified organizational documents, passports, drivers licenses, or other government issued identification (“Identification Documents”); and identifying information relating to Businesses’ bank accounts, including the financial institution name, information about the account signatory, information about payment recipients and transactions, and other information (“Banking Information”).
Each Business represents and warrants that it has the authority to share any Identification Information, Identification Documents, and Banking Information provided to Plata during our identity and bank account verification process. Each Business further represents and warrants that all Identification Information, Identification Documents, and Banking Information provided to Plata are truthful, current, accurate, and complete, and that such Business is not submitting such information on behalf of a third party.
Each Business is responsible for ensuring that all Identification Information, Identification Documents, and Banking Information that may be requested by Plata from time to time are provided in a timely manner, and understands that failure to comply with this Section means that Plata may be unable to provide such Business with our Services, and may result in the immediate termination of this Agreement and our Services with or without notice and without liability to such Business.
Each Business authorizes Plata to obtain information about such Business as a business entity, and to report adverse business information about such Business to third parties including but not limited to federal or state tax authorities. Plata reserves the right to terminate this Agreement immediately with or without notice or liability to any Business if Plata is unable to verify such Business’s satisfactory financial standing, or for any other lawful business reason (including, without limitation, reasons that are confidential to Plata or which Plata may not legally disclose).
4. Intellectual property
The information available through our Site and Platform is the property of Plata, or its licensors, and is protected by copyright, trademark, international treaties, and other intellectual property laws. Plata, or its licensors, owns all rights, title, and interest, including copyright, patent, trade secret, and all other intellectual property rights, in our Site and Platform. You are granted a limited, non-transferable, non-exclusive right to access and use our Site and Platform.
You may not modify, copy, distribute, transmit, display, publish, sell licenses, create derivative works, or otherwise use any information available through our Site or Platform for commercial purposes. You acknowledge that our Site and Platform contain valuable trade secrets and confidential information owned by Plata or third parties. You agree that you will not make, store, download, transfer, sell, reproduce, redistribute, transfer to any other server, modify, reverse engineer, or copy any of the materials or software or any part of Plata or any content therefrom without Plata’s express written consent. You will also take all reasonable steps to prevent any unauthorized use, copying, or transfer of materials on or relating to Plata, and notify us of any unauthorized use or disclosure of any confidential information.
Our name, logo, product and service names, designs, and slogans are trademarks of Plata or its affiliates or licensors. The trademarks, service marks, trade names, trade dress, logos, designs, slogans, and sounds associated with our Site, Platform, or Services are owned by Plata, and you must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans in our Site and Platform are the trademarks of their respective owners. We do not grant any license or other authorization to any user of such material, or any other intellectual property, by including them in our Site or Platform.
5. Prohibited uses
Plata may be used only for lawful purposes. You may not use Plata, or access any information stored using our Services, for any purpose that would constitute or further any fraudulent act or act that would give rise to civil or criminal liability. The following is a nonexclusive list of prohibited uses of Plata and our Site, Services, and Platform:
You may not upload content to Plata that you know or reasonably should know infringes on the intellectual property rights of others (including Plata). This includes content and information that is subject to copyright or trademark protection, reveals trade secrets, or infringes on any other intellectual property, privacy, or publicity right belonging to another.
You may not upload, post, publish, distribute, or otherwise provide any information or content that is illegal, unlawful, or could reasonably be regarded as false, fraudulent, deceptive, libelous, malicious, threatening, offensive, profane, obscene, immoral, or that any reasonable individual would consider objectionable on grounds of good conscience.
You may not engage in or encourage conduct that would constitute or further a fraudulent act or criminal offense, give rise to civil liability, or violate any local, state, federal, or international law, statute, or regulation. You may not impersonate another person, create a false identity, or open an account or, without legal authorization, use our Services on behalf of a third party.
You may not use Plata in a manner which could block, impair, damage, or otherwise disable any of our servers or equipment. You may not attempt to gain unauthorized access to Plata or to any other person’s account. You may not upload any files that contain viruses, malware, or any other material or software that may damage the operation of another computer.
6. Third-party services
When using Plata, you may be directed to third-party websites and services. Additionally, some of our Services work together with, and may be highly dependent upon, application programming interfaces (“APIs”) from third parties, such as Google.
The availability of such third-party services in connection with our Services does not constitute a warranty, endorsement, or any representation as to the fitness, suitability, merchantability, title, non-infringement, quality, or accuracy of the third-party provider or its products or services.
You acknowledge that such third-party websites and services are completely independent of Plata and, because we have no control over them, we accept no liability relating to of your use, ability or inability to use, or the content or policies of such sites or services.
You acknowledge that any use of the products and services offered by such third-party providers (for example, payment processing, direct deposit services, payroll tax return preparation, filing, government remittances, and money transfer) will be at your sole risk.
If at any point such third-party products or services are no longer available to us on reasonable terms, we may cease to provide those third-party products or services, or any of our Services that are dependent on such products or services, without providing you with any refund, credit, or other compensation. Your only recourse is to terminate your account and cease using Plata.
You expressly hold Plata harmless and hereby release us from any liability whatsoever, whether arising out of contract, tort, or otherwise for and from any liability or loss arising out of your use of, or ability or inability to use, the products and services of third-party service providers, whether or not such products and services are related or ancillary to our Services.
For information regarding how we share your information with third parties, see Sections 4 and 5 of our Privacy Policy.
7. Viamericas third-party integration
Members have the option to access money transfer services (the “Money Transfer Services”) through their respective Member Accounts. The Money Transfer Services are provided through a third-party software integration with Viamericas Corporation, a licensed money transmitter (“Viamericas”).
This third-party integration enables our Site to interoperate with Viamericas, allowing Plata users to access Viamericas’ money transfer services through Plata’s user interface. In other words, the Money Transfer Services are a third-party service provided by Viamericas through our Platform.
By using the Money Transfer Services, you agree to these Terms (including Section 6 above, our Privacy Policy, and our Cookie Policy), and you also agree to Viamericas’ Terms of Services, Privacy Policy, and any other applicable terms and policies of Viamericas relevant to such services.
You are solely responsible for, and assume all risk from, your choice to receive, use, or access any third-party service through our Platform, including the Money Transfer Services. As a result, we highly encourage you to review all relevant terms and policies before accessing such services.
For information regarding how we share your information with third parties, including Viamericas, see Section 4 of our Privacy Policy.
8. Electronic communications
You agree and give consent that Plata can provide electronically all communications, agreements, documents, notices, and disclosures (together, “Communications”), required by law or related to your Plata account. We will send you these electronic Communications either (1) by email to the address listed in your account, (2) by emailing you a link or instructions for how to access them on our Site or another website, or (3) if permitted by law, by posting them on our Site.
You agree and give consent that Plata may use your phone number to communicate with you by text message in certain situations. We may send a text message to the phone number listed in your account to (1) send security codes for multi-factor authentication, (2) confirm authorized account activity, (3) protect the security of your account, or (4) for other security- or risk-related purposes. Standard messaging and data rates may apply.
Any electronic Communications have the same meaning and effect as if we had provided you with paper Communications, and Communications are considered received within 24 hours of the time they are emailed to you or posted to our Site, as applicable. You further agree that your electronic signature (e-signature) has the same effect as your manual, physical signature, and shall be considered to have the same binding legal effect as if it were an original signed version.
9. Term and termination
A. Commencement
Subject to your compliance with these Terms, Plata will begin providing you with our Services and Platform upon your satisfactory completion of our enrollment process. We may, however, at our sole discretion, decline to offer our Services or Platform to any entity or individual if our enrollment process is not satisfactorily completed, if we are unable to reasonably verify that entity’s or individual’s identity, or for other lawful business reasons.
B. Business’s Termination
A Business may cancel its Business Account at any time. Unless we state or agree otherwise, Plata will not prorate any applicable service fees. So, if a Business cancels its Business Account in the middle of a month, the Business will be charged the full month’s fees for all Services subscribed to at the time of cancellation.
C. Member’s Termination
A Member may cancel their Member Account or Viamericas Account at any time, for any reason or for no reason.
D. Plata’s Termination
Plata may terminate or suspend any Account at any time, for any reason or for no reason, including, but not limited to, breach of these Terms, use of our Services or Platform which is improper or substantially exceeds or differs from normal use, or use that raises suspicion of fraud, misuse, security concern, illegal activity, or unauthorized access.
E. Effect of Termination
Upon termination of an Account, except as otherwise stated in these Terms, all rights of the terminated Business, Administrator, or Member to access and use our Services will automatically terminate. Such Accounts will remain accessible in a limited, read-only capacity, subject to compliance with these Terms.
The termination of our Services or any Account will not affect the parties’ rights with respect to transactions which occurred before termination. Plata will have no liability for any costs, losses, damages, penalties, fines, expenses, or liabilities arising out of or related to Plata’s termination of our Services or of any Account.
Any section of these Terms which by their nature should survive termination will survive, including without limitation all applicable payment obligations, privacy rights and obligations under our Privacy Policy, Plata’s responsibilities to comply with federal anti-money laundering regulation, use restrictions and indemnity obligations, warranty disclaimers, and limitations of liability.
10. Warranty disclaimers
YOU UNDERSTAND AND AGREE THAT OUR SITE, SERVICES, AND PLATFORM ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PLATA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, DATA LOSS, AND NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PLATA OR THROUGH OUR PLATFORM, SITE, OR SERVICES WILL CREATE ANY WARRANTY. FURTHERMORE, PLATA MAKES NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR QUALITY OF OUR SERVICES OR ANY INFORMATION OR PLATA CONTENT IN OR LINKED TO THE SERVICES. PLATA CANNOT GUARANTEE THE ACCURACY OR COMPLETENESS OF BUSINESS DATA OR ANY INFORMATION INPUT INTO THE PLATFORM OR SERVICES BY A BUSINESS OR MEMBER AND MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH DATA AND INFORMATION. PLATA DOES NOT WARRANT THAT OUR SITE, SERVICES, OR PLATFORM WILL (1) BE COMPLETELY FREE FROM ERRORS, BUGS, VIRUSES, OR OTHER HARMFUL COMPONENTS, (2) MEET ANY SPECIFIED SERVICE LEVEL OR REQUIREMENTS, OR (3) OPERATE WITHOUT INTERRUPTIONS OR DOWNTIME.
Plata makes no representation or warranty that our Site or the function, content, or services made available thereby will meet your expectations or requirements. If you are dissatisfied with our Site, your sole remedy is to discontinue using the Site. Any content downloaded or otherwise obtained through the use of our Site is done at your own discretion and risk, and you will be solely responsible for any damage that results from the download of any such content. Plata does not endorse, warrant, or guarantee any products or services offered or provided by or on behalf of third parties on or through our Site. Plata is not a party to, and does not monitor, any transaction between our Site’s users and third parties unless we are directly involved in the transaction.
11. Indemnity
You agree to defend, indemnify, and hold harmless Plata and its affiliates, directors, officers, employees, agents, successors, and assigns from any and all claims, liabilities, damages, costs, suits, actions, proceedings, demands, and expenses, including, but not limited to, reasonable legal and accounting fees, in any way arising from, related to, or in connection with (1) your use of our Site, (2) a violation or alleged violation of these Terms, (3) a violation or alleged violation of any third-party right, (4) a violation or alleged violation of any applicable law, rule, or regulation, (5) your or your employer’s gross negligence, fraudulent activity, or willful misconduct, (6) our use of data or other information provided to us by a Business, Administrator, or Member, or (7) any actions that Plata takes at the request or instruction of a Business or anyone that Plata reasonably believes to be a Business or acting with authority on behalf of a Business.
12. Limitation of liability
TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL PLATA, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS, OR CONTENT OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE ABILITY OR INABILITY TO USE, OUR SERVICES, OUR SITE, OR ANY CONTENT, MATERIALS, AND FUNCTION RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE OR ANTICIPATED PROFITS, LOST BUSINESS, DATA, OR SALES, OR COST OF SUBSTITUTE SERVICES, EVEN IF PLATA OR ITS REPRESENTATIVE ADVISED YOU OR SUCH OTHER PERSON OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You release Plata, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to our Services, our Site, or any content, materials and function related thereto. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.”
13. Changes to the Agreement, Platform, or Services
Plata may modify these Terms at any time, in our sole discretion, effective upon posting of an updated version of these Terms. If we make any material changes to these Terms, we will notify you of such changes by posting them on our Site, informing you through our Platform, or sending you an email or other notification, and we will indicate when such changes become effective. It is important that your review each modified version of these Terms, as your continued use of our Site, Services, or Platform after such changes are posted constitutes your agreement to be bound by the modified Terms. If you do not agree to be bound by the modified Terms, then you may not continue to use our Site, Services, or Platform.
14. Dispute resolution by binding arbitration
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS AND INCLUDES, AMONG OTHER THINGS, A REQUIREMENT TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND A CLASS ACTION WAIVER. YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND PLATA. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SECTION H BELOW.
A. General
Both you and Plata acknowledge and agree that any and all disputes and claims between you and Plata (including disputes with our officers, directors, employees, and independent contractors) will be resolved by binding individual arbitration. All issues are for the arbitrator to decide, except for those issues relating to the arbitrability of disputes and the validity, enforceability, and scope of this arbitration provision.
Both you and Plata acknowledge and agree that for the purposes of any dispute arising out of or relating to these Terms, Plata’s officers, directors, employees, and independent contractors are third party beneficiaries of these Terms, and that upon your acceptance of these Terms, such personnel will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as the third party beneficiary hereof.
C. Pre-arbitration Notice
A party who intends to seek arbitration must first mail a written Notice of Dispute (“Notice”) to the other party. The Notice should be addressed to:
Plata Financial, Inc.
4300 Biscayne Blvd.
Suite 203
Miami, Florida 33137
Attention: Plata Legal Team
Email: asistencia@conplata.com
The Notice must be on an individual basis and provide at least the following information: (1) the claimant’s name, phone number, and email address; (2) a description of the factual basis of the claim or dispute; and (3) the specific relief sought.
If the dispute is not resolved within sixty (60) days after the Notice is received, then you or the opposing party or parties may file an arbitration. The existence or substance of any settlement discussions shall not be disclosed in such filing.
D. Arbitration rules
Any dispute arising out of or relating to these Terms shall be finally settled by binding arbitration in the State of Delaware. The arbitration will proceed in English and in accordance with the most current version of the Streamlined Arbitration Rules and Procedures (the “Rules”) created by Judicial Alternatives and Mediation Services (“JAMS”). If you have questions concerning JAMS or would like to obtain a copy of the Rules, you may call 1(800) 352-5267 or visit www.jamsadr.com.
The arbitration will be conducted by one commercial dispute arbitrator who has experience with payroll, intellectual property and/or commercial contract disputes. The arbitrator will be selected mutually by Plata and any opposing parties to the dispute. If Plata and such other parties cannot mutually agree upon an arbitrator within ten (10) days of the receipt of Notice (as referenced above in subsection C), then JAMS shall appoint a single arbitrator in accordance with JAMS Rules.
Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction. Except as and to the extent otherwise may be required by law, the arbitration proceeding, and any award shall be confidential.
E. Arbitration costs
If we elect arbitration, we shall pay all the administrator's filing costs and administrative fees (other than hearing fees). If you elect arbitration, the payment of filing costs and administrative fees (other than hearing fees) will be governed by the Rules, or by law if contrary to the Rules.
F. Waiver of jury trial
YOU AND PLATA WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE AND/OR JURY. You and Plata are instead choosing to have claims and disputes resolved by arbitration. Arbitration procedures are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited review by a court. In any litigation between you and Plata over whether to vacate or enforce an arbitration award, YOU AND PLATA WAIVE ALL RIGHTS TO A JURY TRIAL, and elect to have the dispute resolved by a judge alone.
G. Waiver of class or consolidated actions
YOU WAIVE ANY RIGHTS TO CLASS OR CONSOLIDATED ACTIONS. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE BUSINESS OR MEMBER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER BUSINESS OR MEMBER.
H. Opt-out
You have the right to opt out of the provisions of this Section by sending written notice of your decision to opt out to the following address: 4300 Biscayne Blvd., Suite 203, Miami, Florida 33137 postmarked within thirty (30) days of first accepting these Terms. You must include (1) your name and address; (2) the email address and/or telephone number associated with your account; and (3) a clear statement that you want to opt out of these Terms’ arbitration agreement.
15. Force majeure
Plata is not liable for any delay or failure in performance of our obligations from any cause beyond our control, including, but not limited to, acts of God, changes to laws or regulations, embargoes, wars, terrorist acts, failures by a third-party service provider, riots, fires, earthquakes, floods, pandemics, power outages, strikes, weather conditions, acts of hackers, acts of internet service providers, acts of any other third party, or acts or omissions of a Business, a Business’s agents or assigns, or any other third party acting on behalf of a Business.
17. Miscellaneous
Entire Agreement: Except as otherwise provided in the dispute resolution provision, these Terms, including our Privacy Policy and Cookie Policy, is the entire and exclusive agreement between parties with respect to Plata, and it supersedes all previous communications, representations, or agreements, either oral or written, between you and us.
Governing Law: These Terms shall be interpreted and construed in accordance with the laws of the State of Delaware, without regard to the conflicts of laws principles thereof.
18. How to contact us
Our Platform is owned and operated by Plata Financial, Inc. If you have any questions about our Services or these Terms write to us at 4300 Biscayne Blvd., Suite 203, Miami, Florida 33137 or email us at asistencia@conplata.com.
These Terms were last updated on April 8, 2025.