A. Acceptance of the Terms and Conditions and Privacy Policy

Please read the Terms and Conditions carefully before you start to use the Application. By using the Application and by clicking to accept or agree to the Terms and Conditions when this option is made available to you, you accept and agree to be bound and abide by these Terms and Conditions and our Privacy Policy with respect to the service and money transfer transactions originated from the Application, which is described below. If you do not want to agree to these Terms and Conditions or the Privacy Policy, you must exit the Application, and not use our Money Transfer Service.

B. Privacy Policy

Ria does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer. The law also permits such sharing where it is released to protect the confidentiality or security of our records pertaining to our consumers, the services, or products we offer, or the transactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims, or other liability, as well as for resolving consumer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with federal, state, or local laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive but provides you with some basic information on some of the types of sharing permitted by law.

Ria does not sell to or exchange consumer lists or consumer information with third parties.

Ria restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

C. Accessing the Application and Account Security

By using the Application, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with Ria.

We reserve the right to withdraw or amend the Application, and any service or material we provide on the Application, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the Application is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Application, or the entire Application, to users, including, but not limited to registered users.

You are responsible for making all arrangements necessary for you to have access to the Application and for maintaining the hardware and software noted in our Consent to Use Electronic Records, Notices and Communications in Section 1 above.

You are responsible for ensuring that all persons who access the Application through your mobile device or internet connection are aware of these Terms and Conditions, have agreed to the Terms and Conditions, and that they comply with them.

To access the Application or some of the resources they offer, you may be asked to provide certain registration, identification, and authentication details or other information. It is a condition of your use of the Application that all the information you provide to us is correct, current, and complete at all times.

If you become a registered user of our money transfer service and you choose, or you are provided with, a username, password, personal identification number (“PIN”), or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify Ria of any unauthorized use of your username or password, PIN, or any other breach of security. You also agree to ensure that you exit your account at the end of each session. You agree that you are only allowed to create and maintain one registered user account. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if, in our opinion, you have failed to comply with any provision of these Terms and Conditions.

D. The Service

Ria provides registered users of the service (each a “user”) with the ability to initiate money transfers to designated recipients located in many countries around the world, over the Internet using a United States issued Visa® or MasterCard® credit card (“credit cards”), or a Visa® or MasterCard® branded debit card issued by a United States-based bank (“debit cards”), or user’s bank account with a United States-based financial institution (“bank account”). In addition, users can initiate a money transfer through the Application and pay in cash at a 7-Eleven location. In order to use the service, you will be required to provide us with the information necessary for us to verify your identity, obtain proper bank card or bank account authorization, and complete the money transfer in compliance with applicable federal, state, and foreign laws and regulations. Recipient information and verification may also be required. When required by applicable law, money transfers will be reported to federal, state, local, or foreign authorities. Unless explicitly stated otherwise, any new features that augment or enhance the current service shall be subject to these Terms and Conditions.