South America Legal Notices
AqNova Marketplace Policies & Disclosures
AQNOVA MARKETPLACE
Global Legal Footer Framework
Comprehensive Compliance & Platform Governance Reference
AVISOS LEGALES — AMERICA DEL SUR
Comprehensive Compliance & Regulatory Disclosure Framework
Brazil (PT) | Argentina (ES) | Colombia (ES) | Chile (ES) | Regional Provisions
Effective Date: April 7, 2026 | Version 1.0 | Arivon Holding Corporation
| ⚠ IMPORTANT LEGAL NOTICE / AVISO LEGAL IMPORTANTE THIS DOCUMENT CONTAINS MANDATORY LEGAL NOTICES AND COMPLIANCE DISCLOSURES REQUIRED UNDER SOUTH AMERICAN NATIONAL LAW. ESTE DOCUMENTO CONTIENE AVISOS LEGALES OBLIGATORIOS REQUERIDOS BAJO LAS LEYES NACIONALES DE AMERICA DEL SUR. THESE DISCLOSURES APPLY TO ALL USERS OF THE AQNOVA PLATFORM IN SOUTH AMERICA. THE RIGHTS DESCRIBED CANNOT BE WAIVED OR LIMITED BY CONTRACT. WHERE MANDATORY NATIONAL LAW PROVIDES GREATER CONSUMER RIGHTS THAN SET OUT IN AQNOVA'S PLATFORM TERMS, THOSE MANDATORY RIGHTS PREVAIL. |
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This South America Legal Notices document ("South America Notices") contains all mandatory regulatory disclosures, compliance statements, and legal notices required of AqNova Marketplace, operated by Arivon Holding Corporation ("AqNova," "we," "us," "our"), in connection with its commercial operations across South American markets. AqNova currently operates in or serves users in Brazil, Argentina, Colombia, and Chile as primary South American markets.
South America presents a diverse legal landscape shaped by civil law traditions, significant consumer protection legislation, rapidly modernizing data protection frameworks, and complex digital economy tax regimes. AqNova's compliance framework across South American markets reflects both the shared Latin American legal heritage and the distinct national requirements of each jurisdiction.
All key consumer notices in this document are provided in English and in the applicable national language — Portuguese (PT) for Brazil and Spanish (ES) for Argentina, Colombia, and Chile. These notices supplement the AqNova Platform Terms & Conditions (Section 2). Mandatory South American law prevails over any conflicting Platform terms.
| Section 9.5 — Document Structure / Estructura del Documento PART A — REGIONAL FRAMEWORK 9.5.1 South American Regional Legal Overview 9.5.2 Pan-Regional E-Commerce & Digital Economy Standards PART B — COUNTRY-SPECIFIC LEGAL NOTICES 9.5.3 Brazil — Full Legal Compliance Framework (EN/PT) 9.5.4 Argentina — Full Legal Compliance Framework (EN/ES) 9.5.5 Colombia — Full Legal Compliance Framework (EN/ES) 9.5.6 Chile — Full Legal Compliance Framework (EN/ES) PART C — CROSS-MARKET OPERATIONAL FRAMEWORKS 9.5.7 Digital Payments & PIX/SPEI/PSE Regional Framework 9.5.8 Tax Compliance — South America VAT/IVA Digital Economy 9.5.9 Cross-Border Trade, Customs & Mercosur/Pacific Alliance 9.5.10 AML/CTF — South America Framework 9.5.11 South America Consumer Rights — Minimum Standards PART D — DISPUTE RESOLUTION & CONTACTS 9.5.12 Dispute Resolution — South American Jurisdictions 9.5.13 South America Contact Directory |
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9.5.1 South American Regional Legal Overview
South America's legal landscape for e-commerce is shaped by a combination of civil law traditions inherited from Spain and Portugal, strong constitutional consumer protection provisions, and increasingly sophisticated national data protection frameworks. AqNova's operations engage the following regional frameworks:
| Regional Framework | Relevance to AqNova |
|---|---|
| MERCOSUR (Common Market of the South) | The MERCOSUR trade bloc — comprising Argentina, Brazil, Paraguay, Uruguay, and Venezuela (suspended) — provides a framework for intra-regional trade. MERCOSUR Resolution 21/2004 on Consumer Defense establishes minimum harmonized consumer protection standards for cross-border transactions within the bloc. MERCOSUR Resolution 34/2017 addresses e-commerce consumer protection. |
| Pacific Alliance (Chile, Colombia, Peru, Mexico) | The Pacific Alliance's Protocol on Trade in Services and Investment includes provisions on e-commerce and digital trade facilitation. Chile and Colombia are full members. AqNova's Pacific Alliance market operations benefit from the framework's common rules on digital authentication, consumer protection disclosures, and e-signatures. |
| CELAC — Community of Latin American and Caribbean States | CELAC provides a political and economic cooperation forum. The CELAC Digital Agenda for Latin America and the Caribbean (eLAC) supports regional harmonization of digital economy rules, including consumer protection, cybersecurity, and data privacy standards. |
| OAS — Organization of American States | The OAS Inter-American Framework on Privacy provides guidance on data protection standards for OAS member states, relevant to AqNova's privacy practices across South American markets. |
| OECD Accession — Chile & Colombia | Chile became an OECD member in 2010 and Colombia joined in 2020. Both countries have adapted their legal frameworks (including data protection and competition law) to meet OECD standards. AqNova's operations in Chile and Colombia reflect OECD-aligned regulatory expectations. |
| IBER-RED (Ibero-American Network of Consumer Protection Agencies) | AqNova is aware of cross-border consumer protection cooperation through IBER-RED, which facilitates information exchange and coordinated enforcement among consumer protection agencies across Latin America and Spain. |
9.5.2 Pan-Regional E-Commerce & Digital Economy Standards
Across all South American markets in which AqNova operates, the following pan-regional standards apply to AqNova's platform operations:
Language accessibility: All key consumer communications, product information, and contractual terms are provided in the official national language — Portuguese for Brazilian users; Spanish for Argentine, Colombian, and Chilean users. Language rights cannot be waived by contract.
Consumer information in local currency: AqNova displays prices in local currencies — Brazilian Real (BRL/R$), Argentine Peso (ARS/$), Colombian Peso (COP/$), and Chilean Peso (CLP/$) — where technically feasible, providing transparent pricing for South American consumers.
Electronic contracting standards: AqNova's Platform contracts with South American consumers and vendors are formed by electronic means and are legally valid and enforceable under applicable national e-commerce legislation in each country.
Digital signature compliance: AqNova's checkout confirmation process constitutes a valid electronic acceptance under the e-commerce and digital signature laws of each South American jurisdiction.
Online dispute resolution: AqNova supports access to national consumer protection agencies and online dispute resolution mechanisms in each South American jurisdiction, as detailed in Section 9.5.12.
🇧🇷 BRAZIL / BRASIL
Portuguese (PT) | Portugues — Primary Market
| Brazil — AqNova Compliance Overview / Visao Geral de Conformidade Brazil is AqNova's largest South American market. Brazilian law provides consumers with some of the strongest statutory protections in the Americas, particularly for online purchases. Key regulatory bodies overseeing AqNova's Brazilian operations: — PROCON (Programa de Protecao e Defesa do Consumidor) — state-level consumer agencies — Secretaria Nacional do Consumidor (SENACON) — federal consumer authority — Autoridade Nacional de Protecao de Dados (ANPD) — data protection authority — Banco Central do Brasil (BCB/BACEN) — payment systems and PIX — Receita Federal do Brasil — tax authority — PROCON-SP / IDEC — principal consumer advocacy bodies — Ministerio da Justica e Seguranca Publica — overarching justice/consumer ministry AqNova Brazil contact: brasil@aqnova.co |
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A. Consumer Defense Code — Codigo de Defesa do Consumidor (CDC), Law 8.078/1990
The Consumer Defense Code (Codigo de Defesa do Consumidor, CDC — Lei 8.078/1990) is the cornerstone of Brazilian consumer law, constitutionally mandated by Article 5(XXXII) and Article 170(V) of the 1988 Federal Constitution. The CDC applies to all consumer-supplier relationships in Brazil, including all transactions conducted through AqNova's Platform with Brazilian consumers. CDC rights are matters of public order and cannot be waived by contract.
| CDC Provision / Right | AqNova Compliance & Brazilian Consumer Entitlement |
|---|---|
| Right of Withdrawal — Direito de Arrependimento (CDC Art. 49) | Brazilian consumers have an unconditional 7-day right of withdrawal from purchases made outside a physical establishment (including all online purchases) from the date of receipt of the product or signature of the contract, whichever is later. Withdrawal requires no justification. Upon withdrawal, the consumer is entitled to a full refund of all amounts paid, including shipping. Return shipping is at the supplier's cost where required. AqNova's Platform return portal and 30-day return policy exceed the CDC Art. 49 minimum. |
| Product Defect — Vicio do Produto (CDC Arts. 18, 26) | For non-durable goods: defects must be reported within 30 days of delivery. For durable goods: 90 days. Upon reporting, the Vendor has 30 days to remedy the defect. If not remedied, the consumer may demand: (a) replacement of the product with another of the same kind; (b) restitution of the full amount paid, plus correction for monetary correction; or (c) a proportionate price reduction. For safety defects (defeitos de seguranca — CDC Art. 12): strict liability for damages caused to all affected parties. |
| Supplier Identification & Information (CDC Art. 31) | All product offers must contain clear and precise information about: product characteristics; quality and quantity; composition; price; guarantee; origin; risks to health or safety; and any restrictions. AqNova's listing standards require compliance with CDC Art. 31 for all Brazilian product listings. |
| Abusive Contract Terms — Clausulas Abusivas (CDC Art. 51) | Contract terms that: limit consumer rights established by the CDC; establish obligations considered inequitable; impose excessive disadvantages on the consumer; or are incompatible with good faith or equity are void as a matter of public order under CDC Art. 51. AqNova's Platform Terms are designed to exclude abusive clauses for Brazilian consumers. |
| Advertising & Practices (CDC Arts. 36–45) | All advertising must be clearly identified as such. Misleading advertising (publicidade enganosa) and abusive advertising are prohibited. Any advertised offer that creates a reasonable expectation in the consumer is binding on the supplier. AqNova requires all Vendor listings and marketing materials targeting Brazilian consumers to comply with CDC advertising standards. |
| Consumer Data Protection (CDC Art. 43) | Consumers have the right to access personal data held in consumer databases and registers. Negative information may only be kept for a maximum of 5 years. AqNova's data practices for Brazilian consumers comply with CDC Art. 43 as supplemented by the LGPD (see Section 9.5.3.C). |
| Small Claims Access (Juizados Especiais Civeis) | Brazilian consumers may bring claims under the CDC before the Special Civil Courts (Juizados Especiais Civeis — JEC) without legal representation for claims up to 40 minimum wages (salarios minimos), and with a lawyer for claims between 40 and 60 minimum wages. No court fees apply for claims up to 20 minimum wages at the first instance. |
| PROCON Complaints | Brazilian consumers may file administrative complaints with PROCON in their state, with the Secretaria Nacional do Consumidor (SENACON), or through the federal consumer portal at consumidor.gov.br. AqNova participates in the consumidor.gov.br platform and responds to consumer complaints within the platform's required timeframes. |
| Brazil — 7-Day Right of Withdrawal (CDC Art. 49) — Consumer Notice IMPORTANT: If you are a consumer in Brazil who purchased goods through AqNova's online Platform, you have the right to cancel this purchase and receive a full refund within 7 calendar days of receiving the product, without providing any reason. To exercise your right of withdrawal: — Access 'My Orders' > 'Request Return' on the Platform, OR — Send an email to returns@aqnova.co with subject: 'CDC Art. 49 Withdrawal' — Include your name, order number, and product description. AqNova will process your refund within 30 days of confirmed return receipt. Return shipping for Art. 49 withdrawals is at AqNova's / Vendor's cost. This right is in addition to AqNova's standard 30-day return policy. Brasil — Direito de Arrependimento de 7 Dias (CDC Art. 49) — Aviso ao Consumidor IMPORTANTE: Se voce e um consumidor no Brasil que comprou produtos pela plataforma online da AqNova, voce tem o direito de cancelar esta compra e receber o reembolso total em 7 dias corridos a partir do recebimento do produto, sem necessidade de fornecer qualquer justificativa. Para exercer seu direito de arrependimento: — Acesse 'Meus Pedidos' > 'Solicitar Devolucao' na Plataforma, OU — Envie um e-mail para returns@aqnova.co com o assunto: 'Arrependimento CDC Art. 49' — Inclua seu nome, numero do pedido e descricao do produto. A AqNova processara seu reembolso em ate 30 dias do recebimento da devolucao. O frete de retorno para arrependimentos conforme Art. 49 e de responsabilidade da AqNova / Fornecedor. |
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B. Decree 7.962/2013 — E-Commerce Regulation (Decreto do Comercio Eletronico)
Decree 7.962/2013, known as the E-Commerce Decree (Decreto do Comercio Eletronico), regulates e-commerce in Brazil by operationalizing the CDC's provisions for online consumer relationships. It establishes specific obligations for online suppliers (including marketplace platforms) that AqNova must fulfill:
Mandatory information disclosure (Art. 2 Decree 7.962/2013): AqNova must display on the Platform: its own name; CNPJ (Brazilian company registration number) or CPF (where applicable); full physical address; telephone number; email address; and, for Vendors, equivalent Vendor identification information on each product listing page.
Facilitating the right of withdrawal (Art. 5 Decree 7.962/2013): AqNova must provide conspicuous display of the right of withdrawal in summary form on the checkout page and in the Order Confirmation. The withdrawal mechanism must be provided in the same channel as the original purchase (i.e., available online through the Platform).
Order confirmation (Art. 4, IV Decree 7.962/2013): AqNova must send the consumer an immediate electronic confirmation of each order placed, including all material terms of the transaction.
Assistance (Art. 4, VI Decree 7.962/2013): AqNova must provide adequate pre- and post-sale assistance to Brazilian consumers. AqNova's Buyer Protection Program and Help Centre (aqnova.co/br/help) fulfill this obligation.
Security (Art. 4, VII Decree 7.962/2013): AqNova implements technical security measures to protect consumers' personal and financial data, including encryption, secure payment processing, and fraud detection systems consistent with applicable LGPD, BACEN, and industry standards.
Consumidor.gov.br participation (Art. 4, §3 Decree 7.962/2013): AqNova participates in the federal consumer mediation platform consumidor.gov.br and responds to registered complaints within the platform's prescribed timeframes (typically 10 days). The platform is operated by the Secretaria Nacional do Consumidor (SENACON).
C. Lei Geral de Protecao de Dados (LGPD) — Law 13.709/2018
The Lei Geral de Protecao de Dados Pessoais (LGPD — Law 13.709/2018, as amended by Law 13.853/2019) is Brazil's comprehensive data protection law, inspired by the EU GDPR and administered by the Autoridade Nacional de Protecao de Dados (ANPD). The LGPD entered into force in September 2020 for substantive provisions, with administrative sanctions applicable from August 2021.
| LGPD — AqNova Compliance Framework (Lei Geral de Protecao de Dados) CONTROLLER: Arivon Holding Corporation (AqNova Marketplace) DPO / ENCARREGADO: Designated per LGPD Art. 41 — contact: privacidade@aqnova.co LEGAL BASES FOR PROCESSING (LGPD Art. 7 — Hipoteses de Tratamento): 1. Consentimento (Art. 7, I): Consent for marketing and non-essential processing. 2. Cumprimento de obrigacao legal (Art. 7, II): Legal obligations. 3. Execucao de contrato (Art. 7, V): Performance of the purchase contract. 4. Exercicio regular de direitos (Art. 7, VI): Legitimate legal claims. 5. Interesses legitimos (Art. 7, IX): Legitimate interests (fraud prevention, platform security, analytics) — subject to necessity and proportionality. SHARING WITH THIRD PARTIES: AqNova shares data with payment processors, logistics partners, and fraud prevention services only where necessary and under data processing agreements compliant with LGPD Chapter IV. INTERNATIONAL TRANSFERS: Data of Brazilian holders is transferred internationally only under LGPD Art. 33 mechanisms (adequacy decision, standard contractual clauses, binding corporate rules, or explicit consent). |
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Brazilian Data Subject Rights — Direitos do Titular (LGPD Art. 18)
Pursuant to LGPD Article 18, Brazilian data subjects (titulares) have the following rights in relation to their personal data processed by AqNova. Rights are exercised by contacting privacidade@aqnova.co:
| LGPD Right / Direito | AqNova Process / Prazo |
|---|---|
| Confirmacao e acesso (Art. 18, I-II): Right to confirm whether AqNova processes your data and to access that data. | Submit to privacidade@aqnova.co. Response within 15 days per ANPD guidance. |
| Correcao (Art. 18, III): Right to correct incomplete, inaccurate, or outdated data. | Update directly in account settings or request via privacidade@aqnova.co. |
| Anonimizacao, bloqueio, eliminacao (Art. 18, IV): Right to anonymize, block, or delete unnecessary or excessive data, or data processed in violation of the LGPD. | Request at privacidade@aqnova.co. Statutory retention obligations may limit deletion. |
| Portabilidade (Art. 18, V): Right to data portability to another service or product provider. | Request machine-readable export at privacidade@aqnova.co or via 'Download My Data'. |
| Informacao sobre compartilhamento (Art. 18, VII): Right to information about public and private entities with which AqNova has shared your data. | Information provided in Privacy Policy (Section 3) and upon individual request. |
| Revogacao de consentimento (Art. 18, IX): Right to revoke consent at any time. | Manage consent in account privacy settings or contact privacidade@aqnova.co. |
| Revisao de decisoes automatizadas (Art. 20): Right to review automated decisions that affect interests. | Request human review of automated decisions at privacidade@aqnova.co. |
| Reclamacao a ANPD (Art. 18, para. 1): Right to petition the ANPD. | ANPD — Autoridade Nacional de Protecao de Dados: gov.br/anpd |
D. Marco Civil da Internet — Law 12.965/2014
The Marco Civil da Internet (Law 12.965/2014), Brazil's "Internet Constitution," establishes the rights and responsibilities of internet users and providers in Brazil. Key provisions applicable to AqNova include:
Net neutrality (Art. 9): AqNova does not discriminate between users or data packets based on content, origin, destination, service, terminal, or application.
Data protection (Arts. 7, X and 11): Personal data of Brazilian users collected or processed in Brazil must comply with Brazilian law, including the LGPD. AqNova may not provide personal data of Brazilian users to foreign governments or third parties without proper legal authority or user consent.
Platform liability (Art. 19): AqNova is not liable for third-party content (Vendor listings) unless it fails to comply with a specific judicial order to remove the content. AqNova has established a content removal request process at abuse@aqnova.co for Brazilian judicial orders.
User rights (Art. 7): Brazilian internet users have rights to privacy, freedom of expression, and inviolability of private communications, electronic correspondence, and personal data. AqNova's data practices respect these fundamental rights.
E. Brazilian Tax Compliance — ICMS, ISS, PIS/COFINS & Nota Fiscal
Brazil operates one of the world's most complex tax systems. AqNova's Brazilian tax compliance obligations include:
ICMS (Imposto sobre Circulacao de Mercadorias e Servicos): State VAT on goods and services. ICMS rates vary by state (typically 12%–20%). For e-commerce sales to Brazilian consumers, ICMS is collected and remitted in accordance with ICMS Agreement 87/2002 (Convenio ICMS 87/2002) and subsequent amendments governing interstate B2C transactions. AqNova's payment processor partners manage ICMS compliance for applicable transactions.
ISS (Imposto Sobre Servicos): Municipal tax on services (typically 2%–5%). Applicable to platform subscription fees and digital services provided to Brazilian users. AqNova remits ISS to the applicable municipality.
PIS/COFINS: Federal social contributions levied on gross revenue. Applicable to AqNova's Brazilian-source revenue.
Nota Fiscal Eletronica (NF-e): Brazilian law requires the issuance of electronic fiscal notes (Nota Fiscal Eletronica — NF-e or Nota Fiscal de Consumidor Eletronica — NFC-e) for all consumer transactions. AqNova requires Vendors selling to Brazilian consumers to issue valid NF-e or NFC-e for all transactions processed through the Platform. AqNova provides tooling to support Vendor fiscal note issuance where technically feasible.
CNPJ registration: AqNova is registered or is pursuing registration with the Receita Federal do Brasil (Brazilian Federal Revenue Service) and holds or will hold a valid CNPJ (Cadastro Nacional da Pessoa Juridica) for its Brazilian operations. [CNPJ: To be updated upon completion of Brazilian registration].
F. BACEN — Payments & PIX
The Banco Central do Brasil (BACEN) regulates Brazil's national payment system under Law 12.865/2013. AqNova's payment acceptance in Brazil includes:
PIX: AqNova accepts PIX — Brazil's instant payment system operated by BACEN — for Brazilian consumer transactions. PIX is available 24/7, with settlement in seconds. Refunds via PIX are processed within 1–2 Business Days of refund authorization.
Credit cards (cartao de credito): AqNova accepts all major Brazilian credit cards including Visa, Mastercard, Elo, Hipercard, and American Express through its PCI-DSS compliant payment processor partners.
Boleto bancario: AqNova accepts Boleto Bancario for Brazilian consumers who prefer payment by bank slip. Boleto payments clear within 1–3 Business Days.
Carteiras digitais: AqNova accepts major Brazilian digital wallets including PicPay, Mercado Pago, and others through its payment processor.
🇦🇷 ARGENTINA
Spanish (ES) | Espanol
| Argentina — AqNova Compliance Overview / Cumplimiento en Argentina AqNova serves Argentine consumers and vendors in compliance with Argentina's consumer protection, data privacy, and e-commerce legal framework. Key regulatory bodies overseeing AqNova's Argentine operations: — CONSUMIR (ex-Secretaria de Comercio) — federal consumer authority — AAIP (Agencia de Acceso a la Informacion Publica) — data protection authority — Banco Central de la Republica Argentina (BCRA) — payments — AFIP / ARCA (Administracion Federal de Ingresos Publicos) — tax authority — INDECOPI equivalent: CONACOM — competition authority — Centro de Mediacion y Arbitraje Comercial (CEMARC) — commercial ADR AqNova Argentina contact: argentina@aqnova.co |
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A. Ley de Defensa del Consumidor — Law 24.240 (as amended)
Law 24.240 on Consumer Defense (Ley de Defensa del Consumidor), enacted in 1993 and substantially amended by Laws 26.361 (2008) and 27.250 (2016), is Argentina's principal consumer protection statute. It is supplemented by the National Decree 1798/1994 and the Civil and Commercial Code of the Argentine Nation (Law 26.994/2014, Arts. 1092–1122). Argentine consumer protection provisions are of public order and cannot be waived.
| Law 24.240 Provision | AqNova Compliance & Argentine Consumer Rights |
|---|---|
| Right of withdrawal — Contratacion a distancia (Law 24.240, Art. 34) | Argentine consumers have a 10-business-day right of withdrawal (derecho de revocacion) from distance contracts, including all online purchases, counted from the date of delivery of the product or conclusion of the service contract. No justification is required. The supplier must refund all amounts paid, plus any financial charges arising from withdrawal, and bear the return shipping cost. |
| Pre-contract information — Art. 4 & Art. 35 | AqNova must inform Argentine consumers, prior to contract formation, of: the Vendor's identity and address; essential product characteristics; total price including taxes; payment and delivery conditions; and the right of withdrawal. Information must be provided in Spanish, in clear and understandable language. |
| Product guaranty — Garantia legal (Art. 11) | All goods sold to Argentine consumers carry a mandatory legal guarantee (garantia legal) of a minimum of 3 months for non-durable goods and 6 months for durable goods from the date of delivery. During the guarantee period, the consumer is entitled to repair at the supplier's cost. If the repair is not satisfactory, the consumer may demand replacement, a full refund, or a price reduction. |
| Warranty certificate (Art. 14) | Vendors must provide a warranty certificate (certificado de garantia) for all goods subject to the mandatory legal guarantee. The certificate must be in Spanish and must contain the Vendor's identity and address, the goods covered, and the guarantee conditions. |
| Abusive terms — Clausulas abusivas (Art. 37) | Contract terms that: derogate from consumer rights established by Law 24.240; impose excessive obligations on the consumer; limit consumer remedies; or restrict consumer rights in the event of defective performance are abusive and void. |
| CONSUMIR complaint mechanism | Argentine consumers may file complaints with the Ventanilla Unica Federal or provincial consumer protection offices. The national platform is available at argentina.gob.ar/produccion/defensa-al-consumidor. AqNova responds to CONSUMIR-mediated complaints. |
| Class actions (Art. 52 bis) | The Consumer Defense Law provides for punitive damages (dano punitivo) up to ARS $5 million for suppliers who knowingly violate consumer rights with malice or gross negligence. Class actions are available under Arts. 52–54 of the Law. |
| Argentina — Right of Withdrawal (Law 24.240, Art. 34) — Consumer Notice If you are a consumer in Argentina who purchased through AqNova's online Platform, you have the right to cancel your purchase within 10 business days of delivery without providing any reason and without cost to you. To exercise your right: Contact returns@aqnova.co or use 'My Orders' > 'Request Return' Subject line: 'Revocacion Ley 24.240 — Pedido [Order Number]' AqNova will refund all amounts paid, including original shipping, within 10 business days. Argentina — Derecho de Revocacion (Ley 24.240, Art. 34) — Aviso al Consumidor Si es un consumidor en Argentina que compro a traves de la plataforma online de AqNova, tiene derecho a revocar su compra dentro de los 10 dias habiles desde la entrega del producto, sin necesidad de expresar causa alguna y sin costo para usted. Para ejercer su derecho: Contacte returns@aqnova.co o use 'Mis Pedidos' > 'Solicitar Devolucion'. Asunto: 'Revocacion Ley 24.240 — Pedido [Numero de Pedido]' AqNova reembolsara todos los montos pagados, incluido el flete original, dentro de 10 dias habiles. |
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B. Argentine Data Protection — Law 25.326 & AAIP
Law 25.326 (Ley de Proteccion de Datos Personales), enacted in 2000, is Argentina's data protection law, administered by the Agencia de Acceso a la Informacion Publica (AAIP). Argentina holds an EU adequacy decision for data protection (Commission Decision 2003/490/EC), facilitating data transfers from the EU. AAIP Resolution 47/2018 updated data processing standards.
Registration: Data controllers processing personal data of Argentine residents are required to register their databases with the AAIP. AqNova maintains its Argentine data processing register with the AAIP.
Consent: Processing of personal data of Argentine residents requires prior express consent (consentimiento expreso) of the data subject, except for specified exceptions (legal obligation, contract performance, public interest, legitimate interests). Consent must be specific, informed, and unambiguous.
Sensitive data: Sensitive personal data (datos sensibles), including health, political opinions, religious beliefs, racial or ethnic origin, and sexual orientation, is subject to heightened protection and may not be processed without express written consent except in very limited circumstances.
Data subject rights: Argentine data subjects have rights of access (habeas data), rectification (rectificacion), update (actualizacion), and deletion (supresion) of their personal data. Requests are exercised free of charge by contacting privacidad@aqnova.co.
AAIP complaints: Argentine data subjects may file complaints with the AAIP at argentina.gob.ar/aaip.
Habeas Data action: Argentine data subjects may bring a constitutional habeas data action before competent courts to access and correct personal data held about them by AqNova or any other organization.
C. Argentine E-Commerce Regulation — Res. 139/2020 & Civil Code Arts. 1105–1116
Argentine e-commerce is primarily governed by the Civil and Commercial Code (Law 26.994/2014), specifically Articles 1105–1116 on consumer contracts concluded by distance (contratos celebrados a distancia), supplemented by Resolution 139/2020 of the Secretaria de Comercio Interior. Key requirements include:
Mandatory pre-contract disclosure: Before contract formation, AqNova must provide Argentine consumers with: identification of the supplier; description of goods; total price; payment and financing terms; conditions of delivery; right of withdrawal and its conditions; duration of validity of the offer; and applicable legal guarantees.
Order confirmation: AqNova provides Argentine consumers with immediate electronic confirmation of each order, containing all material contract terms.
Prohibition of unsolicited goods: Argentine law prohibits charging consumers for goods sent without a prior order (Arts. 1160 C.C.C.N.).
Financing disclosures: Where AqNova or its payment partners offer installment payment (cuotas) or financing options to Argentine consumers, the total financial cost (Costo Financiero Total — CFT) must be disclosed as required by Central Bank regulations.
D. BCRA — Argentine Payment Regulations
The Banco Central de la Republica Argentina (BCRA) regulates Argentina's payment system. AqNova's payment operations in Argentina include:
Accepted payment methods: Credit cards (tarjetas de credito), debit cards (tarjetas de debito), Mercado Pago, Naranja X, and bank transfers (transferencias bancarias). All credit card transactions comply with BCRA Regulation A7268 and applicable credit card legislation (Law 25.065).
Installment payments (cuotas): AqNova offers installment payment options for Argentine consumers where provided by payment processor partners, in compliance with BCRA regulations on maximum interest rates and CFT disclosure requirements.
Foreign exchange: BCRA imposes strict foreign exchange controls (cepo cambiario) on Argentine transactions. AqNova's cross-border payments to and from Argentina comply with applicable BCRA Communication A regulations, AFIP/ARCA declarations, and the lawful channels for foreign currency transactions.
🇨🇴 COLOMBIA
Spanish (ES) | Espanol
| Colombia — AqNova Compliance Overview / Cumplimiento en Colombia AqNova operates in Colombia in compliance with its consumer protection, e-commerce, and data protection legal framework. Colombia is an OECD member and Pacific Alliance partner with a modern, harmonized legal framework. Key regulatory bodies overseeing AqNova's Colombian operations: — Superintendencia de Industria y Comercio (SIC) — consumer protection & data — Banco de la Republica — central bank and monetary policy — Superintendencia Financiera de Colombia (SFC) — payment systems — DIAN (Direccion de Impuestos y Aduanas Nacionales) — tax and customs — Ministerio de Tecnologias de la Informacion y las Comunicaciones (MinTIC) AqNova Colombia contact: colombia@aqnova.co |
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A. Estatuto del Consumidor — Law 1480/2011
Law 1480/2011, the Consumer Statute (Estatuto del Consumidor), is Colombia's principal consumer protection law, administered and enforced by the Superintendencia de Industria y Comercio (SIC). The law establishes a comprehensive framework of consumer rights and supplier obligations applicable to all consumer transactions, including e-commerce.
| Law 1480 Provision | AqNova Compliance & Colombian Consumer Rights |
|---|---|
| Consumer information rights (Law 1480, Art. 3) | Colombian consumers have the right to receive clear, truthful, sufficient, timely, verifiable, and understandable information about the products offered. Product information must include: characteristics, nature, and quality; risks; instructions for use; price; guarantees; and the supplier's identity and address. AqNova's listing standards enforce these disclosure requirements. |
| Legal guarantee — Garantia legal (Law 1480, Art. 7) | All goods sold to Colombian consumers through AqNova carry a mandatory legal guarantee (garantia legal) of at least 1 year for durable goods and at least 3 months for perishables, from the date of delivery. During the guarantee period, the consumer is entitled to free repair, and if the repair is not satisfactory after a second attempt, the consumer may demand replacement or a full refund. |
| Right of withdrawal — Retracto (Law 1480, Art. 47) | Colombian consumers who purchased at a distance (including online) have a right of withdrawal (retracto) of 5 business days from the date of delivery of the product or conclusion of the service contract. The consumer must return the product in the same condition as received. The full purchase price must be refunded within 30 calendar days. |
| Payment reversal — Retroceso de pagos (Law 1480, Art. 51) | Where a Colombian consumer was charged without their authorization, or where the right of retracto was exercised, the consumer may request a reversal of the card payment through their financial institution within 5 business days. AqNova cooperates with authorized payment reversals under Art. 51. |
| Prohibition of unfair contract terms (Law 1480, Art. 43) | Contract terms that: limit consumer rights; impose disproportionate obligations on consumers; restrict consumer legal remedies; or exclude the supplier's liability for its own defects are abusive and void. |
| Product safety (Law 1480, Arts. 5, 19–24) | Suppliers are responsible for ensuring products are safe. Where a product presents a safety risk, the SIC may order product recall, suspension of sales, or public notice. AqNova cooperates with SIC product safety orders and removes unsafe products promptly. |
| SIC enforcement | The SIC has broad investigative and sanctioning powers. Administrative fines for Law 1480 violations can reach up to COP $22,800,000,000 (approx. USD $5.5 million). Consumers may file complaints at sic.gov.co or through the SIC's mobile application. |
| Colombia — Right of Withdrawal/Retracto (Law 1480, Art. 47) — Consumer Notice If you are a consumer in Colombia who purchased through AqNova's online Platform, you have the right to withdraw from your purchase within 5 business days of delivery of the product, without providing any reason. To exercise your right: Contact returns@aqnova.co or 'My Orders' > 'Request Return'. Subject: 'Retracto Ley 1480 — Pedido [Order Number]' Full refund processed within 30 calendar days of confirmed return. Colombia — Derecho de Retracto (Ley 1480, Art. 47) — Aviso al Consumidor Si es consumidor en Colombia y compro a traves de la plataforma online de AqNova, tiene derecho a desistir de su compra dentro de los 5 dias habiles siguientes a la entrega del producto, sin necesidad de expresar causa alguna. Para ejercer su derecho: Contacte returns@aqnova.co o 'Mis Pedidos' > 'Solicitar Devolucion'. Asunto: 'Retracto Ley 1480 — Pedido [Numero de Pedido]' Reembolso completo procesado dentro de los 30 dias calendario de devolucion confirmada. |
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B. Colombian Data Protection — Law 1581/2012 & Decree 1377/2013
Law 1581/2012 (Ley de Proteccion de Datos Personales) and its regulatory Decree 1377/2013 establish Colombia's personal data protection framework, administered by the Superintendencia de Industria y Comercio (SIC) through its Data Protection Division. Law 1581 applies to all processing of personal data of Colombian citizens or residents, regardless of where the processing occurs.
Data processing principle and authorization: The processing of personal data of Colombian data subjects requires prior, express, and informed authorization (autorizacion) from the data subject, except in limited circumstances specified by law. AqNova obtains Colombian user authorization for applicable data processing at registration and through its consent management system.
Database registration: AqNova registers its Colombian personal data databases with the SIC's National Database Register (Registro Nacional de Bases de Datos — RNBD) at rnbd.sic.gov.co, as required by Decree 1377/2013.
Data subject rights (Law 1581, Art. 8): Colombian data subjects have rights to access, correction (actualizar y rectificar), deletion (suprimir), and revocation of consent for their personal data. Requests are submitted to privacidad@aqnova.co and processed within 10 business days (extendable to 15 for complex requests).
Sensitive data (Law 1581, Art. 6): Sensitive personal data may not be processed without explicit, informed authorization. AqNova does not process sensitive categories of Colombian data without this authorization.
International transfers: Personal data may be transferred internationally from Colombia only to countries providing an adequate level of protection, or with the data subject's explicit authorization, or pursuant to other mechanisms recognized by the SIC under Law 1581 Art. 26.
SIC complaints: Colombian data subjects may file data protection complaints with the SIC at sic.gov.co.
C. Colombian E-Commerce — Decree 1413/2022 & Law 527/1999
Colombian e-commerce is governed by Law 527/1999 (Electronic Commerce and Digital Signatures Law) and Decree 1413/2022 (Digital Commerce Regulation — Decreto de Comercio Digital), which updated the regulatory framework for digital platforms. Key requirements include:
Platform transparency: AqNova must disclose its identity, registration information (NIT — Numero de Identificacion Tributaria), and contact details to Colombian users. Vendors must similarly disclose their identity and NIT on each listing. AqNova [NIT: To be updated upon Colombian registration].
Digital signatures: Electronic contracts concluded on AqNova's Platform are legally valid and enforceable in Colombia under Law 527/1999. The consumer's confirmation click constitutes a valid digital signature under Colombian law.
Electronic invoicing (Facturacion electronica): Colombia's DIAN requires all electronic transactions to be supported by electronic invoices (facturas electronicas). AqNova requires Vendors selling to Colombian consumers to issue DIAN-compliant electronic invoices for all transactions. AqNova supports vendor electronic invoicing through its payment system.
MinTIC digital economy: AqNova cooperates with MinTIC's digital economy initiatives and complies with MinTIC guidelines on accessibility and digital inclusion for Colombian internet users.
D. DIAN — Colombian Tax Compliance
AqNova's Colombian tax compliance obligations include:
IVA (Impuesto sobre las Ventas): Colombia's VAT rate is 19% on most goods and services. AqNova collects and remits IVA on applicable digital services and marketplace-facilitated transactions as required by DIAN regulations and Law 1819/2016 (digital services VAT amendment).
Retencion en la fuente: Applicable withholding taxes on payments to Colombian vendors are managed in compliance with DIAN retention tables.
DIAN digital services registration: Non-resident digital platform operators providing services to Colombian consumers must register with DIAN under the simplified VAT regime for digital services (DIAN Resolution 000048/2020). AqNova maintains its DIAN digital services registration.
🇨🇱 CHILE
Spanish (ES) | Espanol
| Chile — AqNova Compliance Overview / Cumplimiento en Chile AqNova operates in Chile in compliance with its consumer, data protection, and digital economy legal framework. Chile is an OECD member and Pacific Alliance partner with a modernizing legal framework for digital commerce and data protection. Key regulatory bodies overseeing AqNova's Chilean operations: — SERNAC (Servicio Nacional del Consumidor) — consumer authority — CPDD (Consejo para la Transparencia / proposed APDC) — data protection — Banco Central de Chile — monetary policy and payment systems — SII (Servicio de Impuestos Internos) — tax authority — Fiscalia Nacional Economica (FNE) — competition authority AqNova Chile contact: chile@aqnova.co |
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A. Consumer Protection Law — Ley 19.496/1997 (as amended by Laws 19.955, 20.555, 21.081, 21.398)
Law 19.496 on Consumer Protection (Ley sobre Proteccion de los Derechos de los Consumidores), originally enacted in 1997 and substantially amended by Laws 19.955 (2004), 20.555 (2011 — Financial Products Consumer Rights), 21.081 (2018 — digital consumer protections), and most recently 21.398 (2022 — Ley Devuelve lo Tuyo / strengthened consumer rights), is Chile's principal consumer protection statute, administered by SERNAC.
| Ley 19.496 Provision / Law 21.398 Amendment | AqNova Compliance & Chilean Consumer Rights |
|---|---|
| Right of withdrawal — Retracto en contratos electronicos (Art. 3 bis, Law 19.496, as amended by Law 21.081) | Chilean consumers have a right of withdrawal (retracto) of 10 calendar days from receipt of goods for distance contracts, including all online purchases. No justification is required. The supplier must refund all amounts paid within 10 calendar days of return. Law 21.398 strengthened the enforcement of this right for e-commerce platforms. |
| Product guarantee — Garantia legal (Arts. 19–21, Law 19.496) | All goods sold to Chilean consumers carry a mandatory legal guarantee of at least 6 months from the date of delivery (3 months for perishables). During the guarantee period, the consumer may demand free repair. If repair is not satisfactory, the consumer may demand replacement or a full refund. |
| Information and advertising (Arts. 1, 3, 28) | All advertising and product information must be truthful, verifiable, and not misleading. Price must be displayed in Chilean Pesos (CLP$) inclusive of VAT. AqNova requires all Vendors to comply with Law 19.496 information standards for Chilean listings. |
| No-Reason Return — Ley Devuelve lo Tuyo (Law 21.398, 2022) | Law 21.398 introduced a right for Chilean consumers to return non-defective products purchased online within 10 calendar days of delivery. Return shipping is at the consumer's cost. The product must be unused and in original packaging. Certain exceptions apply (perishables, personalized goods, unsealed digital products). This right is in addition to the guarantee rights for defective goods. |
| Pre-contract information for electronic contracts (Law 21.081, Art. 12 A) | For contracts concluded electronically, AqNova must provide clear pre-contract information including: Vendor identity; price and payment conditions; delivery conditions; withdrawal right conditions; and guarantee terms. Information must be presented prior to contract formation in a clear and accessible format. |
| SERNAC enforcement & collective actions (Arts. 50–54 ter) | SERNAC has powers to conduct market studies, mediate consumer complaints, and bring collective actions on behalf of consumers for systematic violations. Collective action judgments can require restitution to all affected consumers. AqNova participates in SERNAC's mediation platform and responds to SERNAC-mediated complaints. |
| Chile — Right of Withdrawal (Law 19.496, Art. 3bis / Law 21.398) — Consumer Notice If you are a consumer in Chile who purchased through AqNova's online Platform, you have the right to withdraw from your purchase within 10 calendar days of delivery without providing any reason (Law 19.496 Art. 3bis, as amended by Law 21.398). To exercise your right: Contact returns@aqnova.co or 'My Orders' > 'Request Return'. Subject: 'Retracto Ley 19.496 — Pedido [Order Number]' Full refund processed within 10 calendar days of confirmed return. Chile — Derecho de Retracto (Ley 19.496, Art. 3bis / Ley 21.398) — Aviso al Consumidor Si es consumidor en Chile y compro a traves de la plataforma online de AqNova, tiene derecho a retractarse de su compra dentro de los 10 dias corridos desde la entrega del producto, sin necesidad de expresar causa alguna (Ley 19.496 Art. 3bis, modificado por Ley 21.398 — Ley Devuelve lo Tuyo). Para ejercer su derecho: Contacte returns@aqnova.co o 'Mis Pedidos' > 'Solicitar Devolucion'. Asunto: 'Retracto Ley 19.496 — Pedido [Numero de Pedido]' Reembolso completo procesado dentro de los 10 dias corridos de devolucion confirmada. |
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B. Chilean Data Protection — Law 19.628 & Proposed New Data Protection Law
Law 19.628 on Personal Data Protection (Ley sobre Proteccion de la Vida Privada — 1999) is Chile's current data protection framework, widely considered outdated compared to modern global standards. A comprehensive new data protection law has been in legislative development since 2017 and was significantly advanced by 2023–2024 legislative actions. AqNova monitors the new law's development and prepares for its entry into force.
Current framework (Law 19.628): Processing of personal data of Chilean residents requires the data subject's prior consent or falls within specified legal exceptions. Data subjects have rights of access, rectification, cancellation, and opposition (ARCO rights). The Consejo para la Transparencia (CPDT) exercises limited oversight for public sector data; private sector enforcement is primarily through civil courts.
Proposed new data protection law (Proyecto de Ley sobre Proteccion de Datos Personales): Chile's proposed new data protection law — approved by the Chilean Congress in 2023 and expected to enter into force with a 24-month grace period — introduces a comprehensive GDPR-inspired framework including: establishment of an independent data protection agency (Agencia de Proteccion de Datos Personales — APDP); expanded data subject rights including portability and objection; privacy by design and by default; data breach notification obligations; expanded sanctions; and extraterritorial application. AqNova's privacy practices are being designed to comply with the new law upon its entry into force.
Current data subject rights (Law 19.628, Arts. 11–16): Chilean data subjects may currently exercise ARCO rights by contacting privacidad@aqnova.co. Requests are processed within 15 business days. Unresolved complaints may be submitted to competent civil courts under Law 19.628.
C. Chilean Tax Compliance — IVA, Boletas & SII
AqNova's Chilean tax compliance obligations include:
IVA (Impuesto al Valor Agregado): Chile's VAT rate is 19%. Under Law 21.210/2020 (Modernizacion Tributaria), non-resident digital platform operators providing services to Chilean consumers are required to register with the SII (Servicio de Impuestos Internos) and collect and remit IVA on applicable digital services. AqNova maintains its SII digital services registration [RUT: To be updated upon Chilean registration].
Boleta electronica: Chilean law requires all B2C transactions to be supported by an electronic receipt (boleta electronica). AqNova requires Vendors selling to Chilean consumers to issue SII-compliant electronic boletas. AqNova's payment system supports vendor boleta issuance.
Factura electronica: For B2B transactions between vendors and business buyers in Chile, electronic invoices (facturas electronicas) compliant with SII standards are required.
D. Banco Central de Chile & Chilean Payment Methods
AqNova accepts the following payment methods for Chilean transactions, all compliant with Banco Central de Chile and SFC regulations:
Webpay Plus (Transbank): Chile's dominant online payment gateway, accepted by AqNova for debit and credit card transactions. Transbank is regulated by the Comision para el Mercado Financiero (CMF).
Transferencia bancaria: Bank transfers via Chilean RUT-linked bank accounts. Settlement within 1–2 Business Days.
Khipu and digital wallets: AqNova accepts Khipu and other CMF-regulated Chilean digital payment methods where available through its payment processor partners.
International credit cards: Visa, Mastercard, and American Express are accepted for Chilean transactions through AqNova's international payment processor.
9.5.7 Digital Payments — PIX, SPEI, PSE & Regional Framework
AqNova's South American payment infrastructure supports the following country-specific instant payment systems and local payment methods:
| Market | Primary Digital Payment Systems | Regulatory Authority |
|---|---|---|
| Brazil | PIX (BACEN), Boleto Bancario, TED/DOC, Cartoes de credito (Elo, Hipercard, Visa, Mastercard, Amex), Carteiras digitais (PicPay, Mercado Pago) | Banco Central do Brasil (BACEN) |
| Argentina | Transferencias bancarias, Mercado Pago, Naranja X, MODO, Tarjetas de credito/debito, Cuotas sin interes | Banco Central de la Republica Argentina (BCRA) |
| Colombia | PSE (Pagos Seguros en Linea), Nequi, Daviplata, Wompi, Tarjetas de credito/debito, Efecty (cash) | Superintendencia Financiera de Colombia (SFC) |
| Chile | Webpay Plus (Transbank), Khipu, Transferencias bancarias, MACH, Tarjetas de credito/debito | Comision para el Mercado Financiero (CMF) |
| South America Digital Payments — Consumer Notice REFUND TIMELINES BY PAYMENT METHOD: PIX (Brazil): 1–2 Business Days from refund authorization Boleto Bancario (Brazil): 3–5 Business Days Credit Cards (all markets): 5–15 Business Days (varies by card issuer) Mercado Pago (AR/BR): 1–3 Business Days PSE (Colombia): 1–3 Business Days Webpay (Chile): 5–10 Business Days Bank Transfer (all): 3–7 Business Days (international may take longer) Refunds are processed in the same currency and to the same payment method as the original transaction, unless otherwise agreed or required by applicable law. Currency fluctuations between purchase and refund dates are outside AqNova's control. For refund inquiries: pagamentos@aqnova.co (BR) / pagos@aqnova.co (ES markets) |
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9.5.8 Tax Compliance — South America VAT/IVA Digital Economy
South America has rapidly expanded its digital services tax frameworks in recent years. The following table summarizes AqNova's VAT/IVA registration and collection obligations across its South American markets:
| Market / Tax Regime | AqNova's Obligations & Key Rates |
|---|---|
| Brazil — ICMS / ISS / PIS-COFINS | ICMS: 12%–20% (varies by state); ISS: 2%–5% (municipal, on services); PIS/COFINS: combined ~9.25% on gross revenue. NF-e required for all transactions. Marketplace deemed supplier rules apply for certain transactions. CNPJ required. |
| Argentina — IVA | IVA standard rate: 21% (10.5% for reduced rate categories). Foreign digital service providers must register with AFIP (now ARCA) under RG 4240/2018. IVA collected through payment processor withholding (regimen de percepcion) where applicable. |
| Colombia — IVA | IVA rate: 19%. Non-resident digital platform operators register under DIAN simplified regime (Resolution 000048/2020). IVA applies to digital services provided to Colombian consumers. DIAN NIT required for Colombian operations. |
| Chile — IVA | IVA rate: 19%. Non-resident digital platform operators register with SII under simplified regime (Ley 21.210/2020). IVA collected on digital services to Chilean consumers. SII RUT required for Chilean operations. |
9.5.9 Cross-Border Trade, Customs & Mercosur/Pacific Alliance
Cross-border trade to and from South America is subject to national customs regulations and applicable regional trade agreements. AqNova's cross-border marketplace activities comply with:
Mercosur Common External Tariff (CET): Argentina and Brazil apply the Mercosur Common External Tariff (TEC — Tarifa Externa Comun) to goods imported from outside the Mercosur bloc. Applicable tariff rates depend on the HS classification of the imported goods. AqNova displays estimated import duty information at checkout for relevant cross-border orders.
Pacific Alliance trade rules: Chile and Colombia, as Pacific Alliance members, benefit from preferential tariff arrangements with Mexico and Peru under the Pacific Alliance Framework Agreement. Cross-border shipments between Pacific Alliance member states qualifying for preferential treatment must comply with Pacific Alliance rules of origin.
De minimis thresholds: Brazil: No de minimis exemption for postal imports from international e-commerce (subject to change under ongoing customs reform debates); import tax at 20% applies to low-value imports. Argentina: de minimis exemption for gifts up to USD 50; commercial imports subject to simplified regime up to USD 3,000. Colombia: de minimis threshold of USD 200 (subject to IVA at 19%). Chile: de minimis threshold of USD 41 (IVA applies above; additional duties for higher-value goods).
Product-specific import restrictions: Certain product categories require import authorization in South American markets, including ANVISA-regulated products in Brazil, ANMAT-regulated products in Argentina, INVIMA-regulated products in Colombia, and ISP-regulated products in Chile. Vendors shipping regulated products to South American consumers are responsible for compliance with applicable import authorization requirements.
9.5.10 AML/CTF — South America Framework
AqNova's South American operations are subject to Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) obligations under national law and FATF recommendations, implemented in the region through GAFILAT (Financial Action Task Force of Latin America). AqNova's South America AML/CTF compliance framework includes: risk-based KYC for all South American vendors and high-value buyers; transaction monitoring for unusual patterns; mandatory reporting to national Financial Intelligence Units (FIUs); and screening against OFAC, UN, and national sanctions lists. Relevant national AML frameworks: Brazil — Law 9.613/1998 (as amended by Law 12.683/2012); Argentina — Law 25.246 (as amended); Colombia — SARLAFT framework under SFC supervision; Chile — Law 19.913 (as amended).
9.5.11 South America Consumer Rights — Minimum Standards
| AqNova South America Consumer Protection Minimum Standards Across all South American markets, AqNova guarantees the following minimum standards: 1. WITHDRAWAL RIGHTS — The right to cancel online purchases without justification: Brazil: 7 calendar days (CDC Art. 49) Argentina: 10 business days (Law 24.240, Art. 34) Colombia: 5 business days (Law 1480, Art. 47) Chile: 10 calendar days (Law 19.496, Art. 3bis) AqNova's 30-day return policy exceeds all statutory minimums. 2. LEGAL GUARANTEE MINIMUMS: Brazil: 30 days (non-durable) / 90 days (durable) to report; 30 days to remedy Argentina: 3 months (non-durable) / 6 months (durable) Colombia: 3 months (perishable) / 1 year (durable) Chile: 3 months (perishable) / 6 months (durable) 3. LANGUAGE: All consumer communications in Spanish (ES) or Portuguese (PT) as applicable. 4. LOCAL CURRENCY: Prices displayed in local currency (BRL, ARS, COP, CLP). 5. CONSUMER AGENCY ACCESS: AqNova participates in national consumer platforms: Brazil: consumidor.gov.br | Argentina: argentina.gob.ar/consumidor Colombia: sic.gov.co | Chile: sernac.cl 6. DATA RIGHTS: Privacy rights under applicable national law honored at no charge. 7. DISPUTE RESOLUTION: Free BPP access + national consumer agency access. |
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9.5.12 Dispute Resolution — South American Jurisdictions
AqNova's South American dispute resolution framework follows the tiered model described in the Platform Terms & Conditions (Section 2.14), adapted as follows for South American jurisdictions:
| Dispute Type / Jurisdiction | Resolution Process & Applicable Forum |
|---|---|
| All SA markets — Tier 1 (Platform BPP) | First recourse: AqNova Buyer Protection Program (BPP). Submit at buyers@aqnova.co or 'My Orders' > 'Open Dispute'. Target resolution within 10 Business Days. |
| Brazil — Tier 2 (consumidor.gov.br) | Brazilian consumers may escalate to consumidor.gov.br (SENACON federal portal) or PROCON in their state. AqNova participates in consumidor.gov.br and responds within the platform's prescribed timelines. |
| Brazil — Tier 3 (JEC / Courts) | Juizados Especiais Civeis (JEC): claims up to 40 minimum wages without legal representation. Juizados Especiais Federais for federal claims. State courts for higher-value disputes. Arbitration: CAM-CCBC or ICC Brazil (commercial disputes). |
| Argentina — Tier 2 (CONSUMIR/OMIC) | Argentine consumers may file with the Ventanilla Unica Federal or provincial OMIC (Oficina Municipal de Informacion al Consumidor). AqNova cooperates with CONSUMIR mediation. Online: argentina.gob.ar/produccion/defensa-al-consumidor. |
| Argentina — Tier 3 (Arbitration / Courts) | Arbitration: CEMARC (Centro de Mediacion y Arbitraje Comercial) or CAM (Centro de Arbitraje y Mediacion de Argentina). Courts: competent Argentine courts in the consumer's domicile (Law 24.240, Art. 36). |
| Colombia — Tier 2 (SIC) | Colombian consumers may file administrative complaints with the SIC at sic.gov.co or via SIC's mobile app. SIC has power to mediate and impose binding resolutions. The SIC's consumer protection delegatura handles e-commerce complaints. |
| Colombia — Tier 3 (Arbitration / Courts) | Arbitration: Centro de Arbitraje y Conciliacion de la Camara de Comercio de Bogota. Courts: competent Colombian courts in the consumer's domicile. |
| Chile — Tier 2 (SERNAC) | Chilean consumers may file complaints with SERNAC at sernac.cl or contact SERNAC's consumer assistance line. SERNAC provides mediation services and may bring collective actions. |
| Chile — Tier 3 (Juzgados de Policia Local / Courts) | Juzgados de Policia Local: competent for consumer claims under Law 19.496 up to applicable limits. Chilean Arbitration Center (CAM Santiago) for commercial disputes. |
| Cross-border SA disputes | International arbitration under UNCITRAL Rules or ICC South American arbitration centers (CAM-CCBC — Sao Paulo; ICC Buenos Aires; ICC Bogota). Seat elected by the consumer. |
9.5.13 South America Contact Directory / Directorio de Contactos
| AqNova South America — Operational Contacts Brazil / Brasil: brasil@aqnova.co Brazil Privacy (LGPD): privacidade@aqnova.co Brazil Returns: returns@aqnova.co | Assunto: [Motivo] — Pedido [N] Brazil Payments: pagamentos@aqnova.co Argentina: argentina@aqnova.co Colombia: colombia@aqnova.co Chile: chile@aqnova.co General South America: sudamerica@aqnova.co Privacy (Spanish markets / ES): privacidad@aqnova.co Returns (Spanish markets / ES): returns@aqnova.co | Asunto: [Motivo] — Pedido [N] Payments (Spanish markets / ES): pagos@aqnova.co Buyer Protection: buyers@aqnova.co Vendor Support: vendors@aqnova.co Legal Notices: legal@aqnova.com Registered Global Office: Arivon Holding Corporation C/O Arivon Holding Corporation, 2571 Saturn Avenue, Unit #265 Huntington Park, CA 90255, USA EIN: 41-3210066 | D-U-N-S: 142957477 Brazilian CNPJ: [To be updated upon Receita Federal registration] Colombian NIT: [To be updated upon DIAN registration] Chilean SII RUT: [To be updated upon SII registration] Argentine CUIT: [To be updated upon AFIP/ARCA registration] |
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| South America Regulatory Bodies Directory / Directorio de Organismos Reguladores BRAZIL / BRASIL: SENACON (Federal Consumer Authority): gov.br/senacon consumidor.gov.br (Complaints Portal): consumidor.gov.br ANPD (Data Protection): gov.br/anpd BACEN (Central Bank / PIX): bcb.gov.br Receita Federal (Tax): receita.economia.gov.br ARGENTINA: Consumer Defense (Federal): argentina.gob.ar/produccion/defensa-al-consumidor AAIP (Data Protection): argentina.gob.ar/aaip BCRA (Central Bank): bcra.gob.ar AFIP/ARCA (Tax): afip.gob.ar CEMARC (ADR): camaracomercio.com.ar COLOMBIA: SIC (Consumer & Data Protection): sic.gov.co SFC (Financial Supervision): superfinanciera.gov.co DIAN (Tax & Customs): dian.gov.co Camara de Comercio de Bogota (ADR): ccb.org.co CHILE: SERNAC (Consumer): sernac.cl Consejo para la Transparencia: consejotransparencia.cl CMF (Financial Market Commission): cmfchile.cl SII (Tax): sii.cl CAM Santiago (Arbitration): camsantiago.cl REGIONAL: GAFILAT (AML — Latin America): gafilat.org MERCOSUR: mercosur.int Pacific Alliance: alianzapacifico.net OAS Consumer Protection: oas.org |
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AqNova Marketplace | Global Legal Footer Framework | Section 9.5: South America Legal Notices
© 2026 Arivon Holding Corporation. All rights reserved. / Todos los derechos reservados. Effective April 7, 2026. Version 1.0.