About Clicredito MX

Clicredito MX is a mobile platform that allows users to securely submit and manage loan applications. The app itself does not issue loans or provide financial services directly. All credit evaluation, loan issuance, and financial operations are performed exclusively by Space Crew FS, S.A.P.I. de C.V., the authorized financial service provider and the legal entity operating the Clicredito MX brand.

Clicredito MX serves as a digital interface where users can complete application forms, upload required documents, and track the status of their credit review. The app facilitates communication between the user and the lender while ensuring compliance with applicable regulations in Mexico.

Regulatory Status & Authorization

Space Crew FS, S.A.P.I. de C.V. operates as a SOFOM E.N.R. (Sociedad Financiera de Objeto Múltiple, Entidad No Regulada) under Mexican law and is is legally authorized to provide lending services in Mexico in accordance with applicable regulations for SOFOM E.N.R. entities in Mexico. The company complies with all applicable financial regulations, anti-money laundering (AML) and know-your-customer (KYC) requirements. Supporting documentation confirming the legal status and authorization is available upon request.

Legal Entity & Authorization

Clicredito MX operates under authorization from:
Space Crew FS, S.A.P.I. de C.V.
Registered in Mexico and legally responsible for the brand, financial services and data processing activities.

The CLICREDITO trademark registration process is officially initiated under the name Space Crew FS, S.A.P.I. de C.V.
This is confirmed by the submitted IMPI “Solicitud de Registro de Marca”, which verifies Space Crew FS as the applicant and owner of the trademark (Class 36 – Financial and Monetary Services).

The mobile application is developed and submitted by an authorized individual contractor, acting strictly on behalf of Space Crew FS, S.A.P.I. de C.V., and under a signed legal agreement permitting development, submission, and management of the app within the Apple Developer Program.

Privacy Policy (Clicredito MX)

Last updated: 04/2026

This Privacy Policy applies specifically to users in Mexico and complies with applicable Mexican data protection laws.

1. Introduction

Clicredito MX (“the App”) is a platform that allows users to submit credit and loan applications.
All financial services, credit decisions, and loan issuance are performed exclusively by:

Space Crew FS, S.A.P.I. de C.V.
(“we”, “us”, “our”, or “the Company”)

This Privacy Policy explains how we collect, use, store, and protect your personal data when using the App.

By using the App, you consent to this Privacy Policy.

Loan Terms

Last updated: 12/2025

1.1 Lender Information

Clicredito MX operates as an authorized loan facilitation platform.
Registered entity: Space Crew FS, S.A.P.I. de C.V.
Registered address: 1 GEORGE STREET #10-01 ONE GEORGE
Authorization: Operates under the regulatory framework applicable to SOFOM E.N.R. in Mexico.

1.2 Loan Product Information

  • Loan Amounts: MXN 500 — MXN 20,000

  • Loan Duration: 91 — 180 days

  • Annual Percentage Rate (APR): 35% — 72% APR

  • Late Fee: MXN 50 — MXN 300 depending on delay

1.3. Representative Example

Example for a 120-day loan:

Parameter

Value

Loan Amount

MXN 5,000

Term

120 days

APR

48%

Processing Fee

5% (MXN 250)

Total Interest

MXN 657

Total Cost

MXN 5,657

Disbursement (After Fee)

MXN 4,750

Monthly Payment

MXN 1,414.25

1.4. Breakdown Table

Item

Description

Loan Type

Personal consumer loan

APR Range

35% – 72%

Tenure Options

91 / 120 / 150 / 180 days

Late Payment Fee

MXN 50–300

Early Repayment

Allowed, no penalty

Total Cost Transparency

Shown before accepting terms

Repayment Method

SPEI / Card / OXXO depending on user choice

All loan terms, including APR, fees, and total repayment amount, are clearly displayed to the user before accepting any loan agreement.

1.5. Borrower Obligations

  • Provide accurate identity information

  • Accept the Public Offer Agreement (§88 L.G.T.O.C.)

  • Make all payments on time

  • Contact support if repayment issues arise

2. Data We Collect

We collect the following categories of information:

2.1 Information You Provide

  • Full name

  • Phone number

  • Email address

  • Government-issued ID details

  • Address

  • Financial information needed for credit assessment

2.2 Device & App Information

  • Device model, OS version

  • IP address

  • App usage statistics

  • Device identifiers (for fraud prevention only)

2.3 Automatically Collected Data (Apple Guideline 5.1 Compliant)

  • Crash logs

  • Performance analytics

  • Technical diagnostics

We do NOT collect: precise location, contacts, photos, or data unrelated to credit processing.

3. How We Use Your Data

Your data is used strictly for:

3.1 Credit Eligibility & Application Processing

  • Identity verification

  • Fraud prevention

  • Credit scoring and risk evaluation

  • Submitting your data to Space Crew FS, S.A.P.I. de C.V. for financial decision-making

3.2 Legal and Regulatory Requirements

We comply with regulations in Mexico applicable to financial institutions.

3.3 Customer Support

  • Handling complaints

  • Answering inquiries

  • Providing operational assistance

3.4 App Operations & Security

  • Debugging

  • Preventing unauthorized or fraudulent use

  • Improving app performance

We do not sell your data.

4. Sharing of Information

We share your data only with:

4.1 Financial Institution

Space Crew FS, S.A.P.I. de C.V.
(Official loan provider and data controller)

4.2 Authorized Service Providers

Third parties who assist with:

  • Cloud hosting

  • Identity verification

  • Fraud detection

  • Customer support

All service providers act under confidentiality obligations.

4.3 When Required By Law

We may disclose information when legally mandated by authorities.

5. Data Storage & Security

We apply industry-standard administrative, technical, and physical safeguards to protect your personal data, including:

  • Encryption in transit and at rest

  • Restricted access controls

  • Compliance with financial data requirements in Mexico

6. Your Rights

You have the right to:

  • Access your personal data

  • Update or correct inaccurate information

  • Request deletion where legally allowed

  • Withdraw consent (where applicable)

To exercise these rights, contact: [email protected]

7. Data Retention

We retain personal data only for:

  • The duration necessary for credit evaluation

  • Compliance with Mexican financial regulations

  • Resolution of disputes

  • Fraud-prevention requirements

Once retention is no longer required, your data is securely deleted.

8. Children’s Privacy

The App is not intended for individuals under 18.
We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this Privacy Policy.
If changes occur, we will update the “Last updated” date.

10. Contact Information

Space Crew FS, S.A.P.I. de C.V.
Email: [email protected]

Clicredito MX — Terms of Service

Last updated: 12/2025

1. Overview

These Terms govern your use of the Clicredito MX application and loan services. By accessing the app, you agree to these Terms.

2. Nature of Service

Clicredito MX provides loan application, evaluation, and disbursement services through a regulated SOFOM E.N.R. in Mexico.

3. Eligibility

  • Must be 18+

  • Must have valid INE/IFE

  • Must reside in Mexico

  • Must accept the Public Offer Agreement before receiving credit

4. User Responsibilities

  • Provide truthful data

  • Use the service for lawful purposes

  • Repay loans in accordance with the agreed schedule

  • Maintain confidentiality of login credentials

5. Fees & Charges

All costs, APR, processing fees, and penalties are displayed before confirmation. No hidden charges.

6. Data Usage

Data is used strictly for identity verification, risk scoring, and regulatory compliance (KYC/AML).

7. Prohibited Use

  • Fraudulent identity

  • Multiple accounts

  • Abuse of promotions

  • Interfering with app security

8. Termination

We may suspend accounts for violations or fraudulent activity.

9. Support & Legal Information

For support inquiries, please contact:

Space Crew FS, S.A.P.I. de C.V.
Email: [email protected]
Response time: within 24–48 hours