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The main objective of UserProTECH is to act as a spokesperson and mediator between consumers and companies in the Fintech sector, seeking to provide timely and appropriate responses and solutions to disputes generated by possible breaches and violations of the rights of Fintech consumers.
Through UserProTECH, consumers who are dissatisfied with the Fintech services or products acquired may defend their rights, presenting their Petitions, Complaints or Claims to safeguard them, ensure the acquisition of quality products and/or services, access contractual protection and protection of Personal Data, within the framework of the relationships entered into with entities dedicated to digital credit, digital payments, E-factoring, crypto assets and other segments related to the purchase and use of Fintech products or services.
RC&M’s UserProTECH is the Fintech Consumer Advocacy service.
The main objective of UserProTECH is to act as a spokesperson and mediator between consumers and companies in the Fintech sector, seeking to provide timely and appropriate responses and solutions to disputes generated by possible breaches and violations of the rights of Fintech consumers.
It is important to mention that the good practices of digital credit, the service provider must have good experience in the provision of services, must refrain from charging general or indeterminate items, since, by not being informed in detail, it causes interest for purposes of calculating the interest limit. When charging interest, Law 45 of 1990 in its Art 68 must be taken into account, the interests of those items that represent for the creditor for the loan of money are mentioned on the practices.
Good factoring practices allow access to capital, as an option for companies seeking quick and effective access without the need to go into debt, guaranteeing assets allows access to immediate working capital, allowing to buy and produce more goods without interruptions By offering its customers secure payment terms, the development of factoring is promoted through quick access to the service.
In the good practices of digital payments, the emerging segments that are part of the informal economy are evaluated and promoted, its implementation is elaborated through regulations that promote the use of electronic payments, its flexible system allows you to apply new models of integration in the different users, in this way a regulatory framework is created that allows having regulatory entities, while their use of electronic payments is applied; the implementation allows the industry to strengthen, mitigate and assess money laundering fraud risks. Financial education is vital in good practices, it provides the consumer with the ability to carry out transactions through electronic means of payment safely, generating trust.
The good practices of Cryto, allow the generation of activities through electronic transfers, complying with the norms that establish an experience in the provision of services, the requirements and procedures for both users and entities through technology projects; These generate a change in the regulation and custody of the transaction of the services, allowing to identify the nature of the transaction, of those who are part of it, as well as to identify the recipient’s information, among other aspects.
UserProTECH, in compliance with its functions as Fintech Consumer Ombudsman, allows the rights of its consumers, linked to data protection, and the operational development of financial technology to be exercised in accordance with current regulations.
With UserProTECH, and based on current regulations, we offer preventive advice and review of the different contracts signed between the financial technology company and financial consumers, with the purpose of avoiding the incorporation of abusive clauses.
La actualización permanente de las normas aplicables al sector mediante boletines jurídicos, artículos, entre otros, explica el alcance y aplicación de normas expedidas por las entidades competentes, y son las siguientes: (i) El Congreso de la República, (ii) el Ministerio de Hacienda y Crédito Público, (iii) la Superintendencia Financiera de Colombia, (iv) Superintendencia de Industria y Comercio, Ministerio de las TIC y Superintendencia de Sociedades.
UserProTECH develops financial education campaigns focused on the Fintech market, on the legal framework that supports your situation before the entity, always ensuring the special protection of Fintech Consumers.
For the same monthly charge, UserProTECH provides specialized legal support (up to 20 hours) that allows:
