Provider Identity and Acceptance of Terms
These Terms and Conditions ('Terms') constitute a binding commercial agreement between PLD BDU, owner of the PLDUnity platform ('PLDUnity' or 'PLD BDU'), domiciled at Lago Alberto 375, 20th floor, Colonia Anáhuac I Sección, Miguel Hidalgo, 11320 Mexico City, Mexico (contact: info@pldunity.com), and the individual or legal entity creating an account, contracting a plan, or using https://pldunity.com and https://app.pldunity.com (the 'Client').
By creating a 30-day free account, contracting a plan online or with the PLD BDU team, or purchasing prepaid list query or identity verification packages, the representative or user declares having sufficient authority to bind the Client and expresses electronic consent under Articles 80, 89, and 89 bis of the Commercial Code and 1803 of the Federal Civil Code.
Service Scope and Legal Notice
PLDUnity is a RegTech platform designed to centralize and automate AML/CFT compliance obligations for vulnerable activities in Mexico, combining technology, traceability, and an optional ecosystem of specialized professional services from PLD BDU.
The platform supports identifying customers, integrating files, monitoring thresholds and accumulations, screening lists, generating monthly XML notices due by the 17th of the following month, generating zero-activity reports, handling 24-hour unusual operation cases, assessing risks (EBR), training personnel, responding to authority requests, and retaining information for 10 years.
The platform supports compliance operations and does not constitute legal advice. PLDUnity generates the XML file; the Client submits it on the SAT SPPLD portal, unless contracting PLD BDU's optional managed filing service. Note for Fracción XIV (Foreign Trade): the SAT does not receive these notices via XML on the SPPLD; XML notice generation does not apply to this activity.
User Accounts, Roles and Access Security
Access is isolated per company with role-based access control across four official roles: Administrator, Analyst, Read-only (Consulta), and External Auditor (read-only, with mandatory expiration), protected by authenticator-app 2FA, TLS encryption in transit, encryption at rest, and audit logs.
Monthly Plans, List Queries, Identity Verification and Commercial Terms
All prices of PLDUnity, platform of PLD BDU, are expressed in Mexican Pesos (MXN) plus VAT (16%). The service is billed under three independent concepts: the monthly plan, list queries, and identity verification. Each concept is accounted for and billed separately, and their credits are not interchangeable.
- Free account ($0, for 30 days · online contracting): includes up to 20 notices per month, 1 user, zero-activity reports, and basic alerts, plus 20 courtesy list queries and 5 courtesy identity verifications. After 30 days, no new transactions can be uploaded until contracting a plan; previously generated data remains available.
- Esencial Plan ($4,900 MXN/month + VAT; $5,684 with VAT · online contracting): includes up to 50 monthly notices (additional notice at $30 + VAT), 3 users, digital files, thresholds and SAT XML, zero-activity reports, and basic alerts.
- Profesional Plan — Featured plan ($9,900 MXN/month + VAT; $11,484 with VAT · online contracting): includes up to 250 monthly notices (additional notice at $15 + VAT), 10 users, everything in Esencial, EBR module, advanced alerts, and priority support.
- Corporativo Plan (from $19,900 MXN/month + VAT; from $23,084 with VAT · contracted with the PLD BDU team): includes up to 1,000 monthly notices (additional notice at $8 + VAT), users per contract, everything in Profesional, API, integrations, consolidated reports, and specialized support.
- No plan includes list queries or identity verifications: they are contracted separately, on any plan, as follows.
- List query packages (prepaid, plus VAT, 12-month validity): Básico, 100 queries for $350 + VAT ($406 with VAT; $3.50 per query); Operativo, 500 queries for $1,500 + VAT ($1,740 with VAT; $3.00 per query); Empresarial, 1,000 queries for $2,500 + VAT ($2,900 with VAT; $2.50 per query); Alto volumen, 5,000 queries for $10,000 + VAT ($11,600 with VAT; $2.00 per query).
- Identity verification: $8 MXN + VAT ($9.28 with VAT) per verified person, added to the monthly statement, or via prepaid packages (plus VAT, 12-month validity): Inicial, 50 verifications for $375 ($7.50 each); Básico, 200 for $1,400 ($7.00 each); Operativo, 500 for $3,250 ($6.50 each); Empresarial, 1,000 for $6,000 ($6.00 each); Alto volumen, 5,000 for $25,000 ($5.00 each).
| Commercial term | Applicable rule in PLDUnity |
|---|---|
| Operational continuity (no notice blocking) | The notice limit is commercial: the platform never blocks notice generation for exceeding it. The client can continue and additional notices are billed according to their plan. |
| Notice billing unit | Billing is per processed notice record, not per downloaded XML file (a single file may contain multiple records). There is no recharge for correcting or regenerating the XML of the same record. Included notices do not roll over to subsequent months. |
| What consumes a list query | Each screening of a client against the watchlists (from their file, in a batch run, or when registering at the cashier) and each free search by name or RFC consumes one query. Screening the same client or running the same search on the same day counts only once. The watchlist check included in an identity verification does not consume an additional query. |
| Client-initiated screening | Creating or uploading clients does not screen them automatically. The Client's compliance officer runs screening individually or in batches; the platform shows beforehand how many queries will be consumed and alerts when there are unscreened clients or clients screened more than 30 days ago. Screening frequency is the responsibility of the reporting entity. |
| Queries without balance | Without package balance, the query is still performed and remains pending payment; pending queries are deducted from the next query package purchased by the Client. At 100 pending unpaid queries, no new queries can be run until a package is purchased. |
| What consumes an identity verification | Each completed identity verification (approved or rejected) is billed. An unfinished link is not billed. Verifying the same person within 30 days is not billed again (retries). AI reading of an ID already integrated into the customer file is free of charge. |
| Credit consumption order | First the courtesy credits of the free account, then the active package expiring soonest, and on paid plans, the monthly statement. Free accounts and zero-cost plan accounts do not accumulate monthly charges: without courtesy credits or a package, they cannot verify identity. |
| Package validity | List query and identity verification packages are valid for 12 months from purchase, do not depend on the contracted plan, and are paid upon purchase. Unused balance at expiration is non-refundable and non-transferable. |
| Monthly additional charges | Additional notices and identity verifications billed to the monthly statement accumulate per calendar month and are charged, with itemized VAT, together with the next plan renewal payment. The Client can check the month's accumulated charges and pending balance in Billing. |
| Late payment | If the plan expires without payment, the account retains a 10-calendar-day grace period; starting on day 11, transaction uploads, customer verification, list screening, and user invitations are blocked. Previously generated notices and files remain available for consultation. |
| Payment methods | Credit or debit card (Visa, Mastercard, AMEX) and SPEI transfer (credited in 24 to 48 hours), processed by Openpay (BBVA). The Corporativo Plan is billed according to its contract. |
| PLD BDU professional services | Contracted separately (quoted with sales): compliance manuals, AML/CFT training (remote training at $250 + VAT per hour), specialized EBR preparation and advisory, and SAT notice management and filing (optional managed service). |
Refund Policy
Payments made are non-refundable, except where the platform fails to comply with these Terms or with the contracted plan. In that case, the Client may request a refund by meeting all of the following conditions:
- Send the request by email to info@pldunity.com from the account administrator's email address registered on the platform.
- Describe the non-compliance and attach evidence supporting it.
- Do so within 30 calendar days after contracting the service.
Requests that do not meet these conditions will not be accepted. Cancelling automatic billing stops future charges but does not generate a refund of charges already made.
List query packages and identity verification packages are non-refundable once credited, as is any expired balance. Queries and verifications already performed are considered rendered services even if the result is negative or the individual was not approved.