Terms and Conditions - Ria Money Transfer

TERMS AND CONDITIONS

APPLICABLE TO INTERNET PAYMENT TRANSACTIONS.


Welcome to the website of Ria Payment Institution, E.P., S.A.U. (Hereinafter, "RIA"). This Contract is executed with Ria Payment Institution, EP, S.A.U., a Payment Entity, with registered address at Calle Cantabria, 2, 2º, A-1, 28108 Alcobendas (Madrid), holder of Tax ID (NIF) A-80696792, recorded in the Commercial Registry of Madrid in Volume 7,171, Folio 121, Section 8, Sheet M-116.398, Record 1, subject to the supervision of the Bank of Spain, and registered in the Special Registry of Entities of the Bank of Spain under number 6842.

The purpose of this Contract is to regulate the provision, carried out by RIA, of payment services consisting of the execution of payment transactions ordered by you through the website www.riamoneytransfer.es, operated for this purpose by RIA. This Contract shall apply to your use of this website, including all content, functionality and services offered through it.

2. DEFINITIONS

The following terms used throughout this Contract shall have the meaning and scope indicated below:

  • "Site" means the website operated by RIA for providing electronic money transfer services and the related information services.
  • A "Payment Transaction" is defined as a transfer of funds to a beneficiary indicated by you in accordance with the payment terms indicated by you directly through RIA Web.
  • A "Payment Order" is defined as all instructions submitted by you to RIA requesting the execution of a Payment Transaction.
  • A "Recipient" is the individual designated by you as the receiver of the Payment Transaction, who is acceptable to us, and who receives the money transfer at a designated Paying Agent location.
  • A "Paying Agent" is defined as a natural person or a legal entity acting as a third-party provider of payment services or an agent acting on behalf of RIA, who pays out a Payment Transaction initiated by the Client in the destination country identified by him or her.
  • "Service" means some or all of the money transfer services that we make available to you.
  • "Commission" is defined as the fee charged by us in connection with the Payment Transaction.
  • The terms "you", "yours", "client", and "user" refer to the persons using RIA Web as a payer and to any person who grants his or her consent to this Contract.
  • "RIA Web" refers to the website operated by RIA or any other company in order to provide the money transfer service and any other service and information related with the services.
  • "Business day" is defined as a day held open for trade for all pertinent purposes for the execution of a Payment Transaction, by payment service providers of the Transferor or the Receiver taking part in the execution of the Payment Transaction.

3. ACCESS TO RIA WEBSITE (ACCESS CODES AND PASSWORD)

RIA will provide you with access codes to RIA Web upon completion of a new client registration form. These codes consist of a user name, which serves to identify you when accessing RIA Web, as well as a password. Nonetheless, you can change the password by submitting a prior notification to RIA. You will be able to access RIA Web by correctly entering the access codes to this service. In no case may you access RIA website or execute any Payment Transaction through this service without correctly entering your access codes, under any circumstances. Access codes are strictly confidential, personal and non-transferable. Therefore, you must adopt all pertinent measures in order to maintain confidentiality of the same. You shall be responsible for damages caused to RIA as a consequence of unauthorized use of such codes by third parties. If you become aware of the fact that your access codes are no longer confidential, you must immediately notify RIA, which shall grant you new access codes as soon as possible.

4. ISSUE OF PAYMENT ORDERS THROUGH THE RIA WEBSITE

After logging into RIA Web with your user name and password, you will be allowed to issue your Payment Orders by means of this service to any countries which, at a given time, permit RIA Web services and in the currencies of your choice, as set forth on RIA Web.

In any case, Payment Orders intended for execution of a Payment Transaction must indicate the following data or any other data deemed necessary by RIA for the provision of the Service:

  • Recipient's name.
  • Destination country of the transaction.
  • Transaction amount and currency.
  • In case of a transfer to a bank account, the IBAN code (International Bank Account Number) when such bank account has an IBAN code, or the bank account code as corresponds in each case.

Payment Orders shall be deemed authorized by you at the same time at which you grant your expressly made consent for such through RIA Web. Nonetheless, before RIA proceeds with the execution of the Payment Order authorized by you, you must transfer the funds that are the object of the Payment Transaction to RIA. Thus, RIA will not make any advances on the amount of the Payment Transaction or grant credits in order to cover the corresponding amount of a Payment Transaction. To this end, RIA makes available the following forms of payment accepted for the Payment Transactions initiated by you through RIA Web, depending on whether it is your first or successive Payment Transactions:

- In the case of your first Payment Transaction made through RIA Web:

  • Payment by bank transfer: You must enter the session and authentication information required by your credit institution for making transfers from the bank account held in your name through online banking. To this end, RIA will provide a platform for accessing the online banking of your credit entity. You can check the list of credit entities available through the access platform, which may change at any time without prior notice.

- In the case of the second and subsequent Payment Transactions through the Ria website:

  • Payment by debit/credit card: You must indicate the number of debit or credit Visa® or MasterCard® card held in your name and issued by an entity domiciled in Spain, as well as the expiration date and CVC number so that the amount corresponding to the payment order (adjusted, as the case may be, to the applicable exchange rate) and the applicable costs and expenses are charged to the account linked to the card. In this case, the issuing entity may require you to enter your corresponding personal data for the purpose of proceeding with the settlement of the payment transaction; or
  • Payment by bank transfer: You must enter the session and authentication information required by your credit institution for making transfers from the bank account held in your name through online banking. To this end, RIA will provide a platform for accessing the online banking of your credit entity. You can check the list of credit entities available through the access platform, which may change at any time without prior notice.

RIA is not responsible for any requirement to provide additional data other than the ordinary data required by your credit entity and/or credit card issuer for the settlement of the payment, authorization or non-authorization of the transaction by this entity, as well as contingencies that may arise as a consequence of data entered by you.

You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your Payment Transaction. Payment Transactions initiated by you will be processed only on the condition that the issuer of your credit or debit card, or your bank, has authorized the corresponding charges or debits. If RIA executes a Payment Transaction pursuant to your money transfer instructions and subsequently is advised that your designated credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you shall be liable to RIA for the full amount of the Payment Transaction if it was executed, and for the associated service charge or any other expenses that may have arisen. You authorize us to initiate debit and credit entries to your bank account in connection with the principal amount of the money transfer, service charge and any other fees applicable to the Payment Transaction, as well as to initiate credits and debits to correct errors, as the case may be. This authorization shall remain in full force and effect until we have received notification from you of its termination by notifying us at the toll-free telephone number 900494631or in a written notification sent to C/ Cantabria nº 2, 2º, P A-1, 28108, Alcobendas (Madrid) to the attention of the Customer Service Department, which is received at least three (3) days prior to the proposed effective date of the termination of authorization. You agree that all Payment Transactions authorized by you shall comply with all applicable Spanish and foreign law.

The issuing bank for your credit card or debit card or the financial institution where your bank account is open may also have terms and conditions that apply to your use of the credit card, debit card or bank account (as applicable) and you must refer to such agreement(s) in order to determine the user’s rights, obligations and liabilities as a cardholder or account holder, which may include the assessment of cash advance or other fees. Receipts issued for each Payment Transaction might not display fees assessed by the user’s bank or the issuer of user’s credit card or debit card.

5. CURRENCY EXCHANGE

If you issue a Payment Order with the purpose of executing a Payment Transaction in favor of a Recipient in a currency ("Payout Currency") other than the Euro ("EUR"), a retail exchange rate may be applied, in addition to any service charge appearing on the face of your receipt. RIA, or the Paying Agent shall keep the difference between the retail exchange rate applied to the Payment Transaction and the wholesale exchange rate at which the deposit currency has been acquired, in addition to any service charges.

The Paying Agent must execute the Payment Transaction in the Receipt Currency indicated in the payment orders. If a Recipient wishes the payment of the money transfer to be made in a currency other than the Payout Currency, the Recipient and Paying Agent must enter into a separate currency exchange transaction to convert the Payout Currency to the recipient’s currency of choice. Any such foreign exchange transaction is a separate and distinct transaction between the Recipient and the Paying Agent and RIA has no responsibility or obligation in connection with such a currency exchange transaction.

Changes in the exchange rates shall be applied immediately and without any prior notification, based on changes to the exchange rates in question. Changes in the exchange rates used for Payment Transactions shall be applied and calculated in a manner that is neutral and non-discriminatory in regard to the users of the Services.

In any case, the client shall be notified of the exchange rate prior to the issue of the Payment Order and it will be listed on the Payment Order, including the settlement of the same.

For further information about the Payout Currencies available in any destination country and/or through any particular Paying Agent on RIA’s network, please consult RIA Web.

6. PAYMENT TRANSACTION EXECUTION

Once a Payment Order has been issued and authorized by you in accordance with the terms of clause FOUR above, the moment of receipt of the Payment Order shall be the time when it is received by RIA. The maximum time after which any payment order will be deemed received shall be at 23:59 of the following business day. You may cancel a Payment Order at any time before it has been received by RIA by submitting a request to servicioalcliente@riamoneytransfer.es. Once received by RIA, a Payment Order shall be irrevocable.

RIA may reject the execution of a Payment Order under one of the following circumstances:

  • Lack or insufficiency of satisfactory and reliable evidence of your identity.
  • Existence of reasons or indications for suspecting that the Payment Order issued by you is incorrect, illegal or false.
  • Incorrect nature or insufficiency of information provided by you in relation to a Payment Transaction.
  • Receipt of a Payment Order by RIA without enough time in advance to allow for punctual execution of the ordered transaction.
  • Rejection or non-approval of the Payment Order by the issuing entity of the card used by you, as the case may be, in an attempt to issue a Payment Order in accordance with the terms set forth in this Contract.
  • Your breach of an obligation to pay RIA’s fees applicable at any moment.
If RIA rejects the execution of a Payment Order in accordance with the terms set forth above, you will be notified and, if possible, you will be informed of the reasons for such rejection and a procedure to follow for rectification of possible errors. Such notification shall be made prior to the end of the business day following RIA’s receipt of the Payment Order.

Once the Payment Order has been received without being rejected in accordance with the above terms, RIA shall provide you with the following information, without any undue delay, in electronic format (unless you have expressly stated your wish to receive it on paper in accordance with the provisions of clause TEN), without prejudice to such information also being the object of a free monthly notice made to you by RIA by email.

a) A reference number enabling the Client to identify the Payment Transaction and its time of availability, the information related to the Recipient.

b) The amount of the Payment Transaction in the currency used in the payment order.

c) The amount of any expenses related to the Payment Transaction and, as the case may be, the corresponding breakdown of fees that you must pay.

d) If a transaction involves currency exchange, the exchange rate used for the transaction by RIA and the amount of the Payment Transaction after this currency conversion.

e) Receipt date of the Payment Order.

Likewise, RIA shall proceed with the execution of the Payment Order in such a way that its amount is deposited to the account of the provider of payment services to the Recipient within the following maximum time periods calculated from the moment at which RIA has received your payment order and you have made the funds available to RIA:

a) For Payment Transactions in euros sent to the financial institutions located in the European Union, by the end of the following business day.

b) For Payment Transactions in currencies other than euro sent to financial institutions located in the European Union, within four banking days.

c) For all other Payment Transaction, as established by current Spanish legislation.

When a Payment Transaction initiated by you has been completely executed, you will automatically receive an email notification at the address provided by you to RIA, with an attachment containing the receipt for the executed transaction, with a detailed listing of the price and any other expenses related to the Service.

7. UNAUTHORIZED PAYMENT TRANSACTIONS

If you become aware of an unauthorized or incorrectly executed Payment Transaction, you must notify RIA, without any unjustified delay, for the purpose of rectifying the situation. This communication must be made using the means of communication set out in this Contract.

Except for those cases in which RIA has not provided or made available to you the information corresponding to the Payment Transaction, any communication made by you must take place within at most thirteen months from the execution date of the Payment Transaction.

Without prejudice to indemnification for damages that may be applicable in accordance with applicable legislation, in the case of the execution of an unauthorized Payment Transaction, RIA shall immediately refund you the amount of the unauthorized transaction. Nonetheless, the Client shall bear a charge of at most 150 euros for losses arising from any unauthorized payment transactions arising from the theft of RIA website access codes.

If unauthorized Payment Transactions occur due to your fraudulent actions, breach, deliberate action or gross negligence of your obligations to protect the confidentiality of the codes provided to you and/or notify of their theft or unauthorized use, you shall bear the entire amount of loss arising from such transactions.

8. NON-EXECUTION OR FAULTY EXECUTION OF PAYMENT TRANSACTIONS

 

RIA shall bear responsibility before the Client for the correct execution of the Payment Transaction up to the time at which the corresponding amount is deposited to the account of the Recipient’s provider of payment services. Pursuant to Spanish legislation, after such deposit takes place, the Recipient’s provider of payment services shall be liable to the Recipient for the correct execution of the transaction. In the case of non-executed or faulty Payment Transactions, RIA shall refund to you the amount corresponding to the transaction when it is responsible for such in accordance with the provisions of the above paragraph, within a maximum period of thirty (30) days from the date on which records show that the Payment Agent has rejected your money transfer transaction. If you provide us with incorrect information about the Recipient, we will contact you to correct the recipient’s information or proceed with the refund of your Payment Transaction.

In any case, when a payment order issued by you is not executed or is executed in a faulty manner, RIA will try to immediately find out, on prior request and regardless of its liability under this Clause, the data related to the Payment Transaction and it will notify you of the results.

9. ECONOMIC CONDITIONS.

Registration on RIA Web and execution of Payment Transactions through this service will lead to incurring the fees and expenses shown on the RIA Web, in addition to any other fee applied directly by us or in the name of any competent Spanish or EU authority with faculties in Spain. The service charge will be charged to the credit card, debit card, or bank account you identify as the payment method for your Payment Transaction.

Notwithstanding the above and in accordance with applicable legislation, before you grant final authorization for the execution of a Payment Order, RIA shall provide you with exact, detailed and complete information concerning fees, expenses and applicable exchange rates, as well as the maximum execution period, by means of a communication sent to your email address provided by you or through RIA Web.

In addition to any fees charged by RIA, a Payment Transaction may be subject to additional fees assessed at any moment by Spanish authorities or the EU authorities with effect in Spain, by the authorities of the destination country, or by the financial institution in the destination country in which your recipient holds a bank account.

10. PAYMENT TRANSACTION RESTRICTIONS

RIA reserves the right, at our sole discretion, to (i) reject a proposed Payment Transaction; (ii) limit the amount of a Payment Transaction; (iii) require additional information to complete a Payment Transaction; and/or (iv) take reasonable measures with respect to a Payment Transaction in an effort to comply with applicable laws and regulations or when there are reasonable concerns about the identity of the person issuing the Payment Transaction. As a user, you agree not to attempt to circumvent the parameters of the service by using a different debit or credit card or bank account, entering false information, or any other means. The service is offered exclusively for the personal Payment Transaction needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.

The service available through RIA Web is limited to Payment Transactions for a maximum amount set forth by RIA at its sole discretion at any time. RIA may establish any and all transactional restrictions applicable to money transfers at its sole discretion and may change such restrictions from time to time We will provide you with any legally required notice, which we may post on RIA Web.

If you use your mobile phone for making money transfers, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge. Your phone service provider is not the provider of these Services; rather, RIA is the provider of these Services.

11. DURATION AND RESOLUTION.

This Contract is of indefinite duration.

You may terminate this Contract whenever you wish by notifying RIA 15 calendar days in advance. In turn, RIA may also terminate this Contract by means of a notification sent to you at least two months in advance. Regardless of the termination of this Contract, RIA must execute any Payment Orders pending at the date of termination, while, if applicable, you must make all payments to RIA, including commissions and expenses, also pending at that date.

12. RIGHT TO WITHDRAW

You have a right to withdraw from this Contract within 14 calendar days following its execution dated without any penalties of any kind. You are obliged to communicate your decision to RIA by any of the means set forth in this Contract for notification purposes. If you exercise this right, you will only be obliged to pay, as soon as possible, for those services that have actually been provided by RIA up to the time of withdrawal.

13. NOTIFICATIONS AND ELECTRONIC COMMUNICATIONS

(1) Scope of your consent to receive electronic notifications and communications.

As part of your relationship with RIA, you may receive electronic notifications and communications in writing related to the Service. In the light of our commitment to environment protection and to facilitate the mobile use of our service, please be informed that such electronic notifications and communications may be carried out either by postal mail and/or in electronic form. To this end, and to the extent permitted by applicable law at any given time, you agree to receive in electronic format all information that we would otherwise be required to provide to you in paper form, including, but not limited to: receipts for your Payment Transaction and terms and conditions applicable to your Payment Transaction (such as their terms of use), any updates or changes in those documents, and other informational mailings regarding your transactions or ways to protect your account.

(2) Your right to withdraw your consent to receive electronic notifications and communications

You may withdraw your consent to receive further notices or disclosures electronically at any time by sending an email message to servicioalcliente@riamoneytransfer.es at no charge and providing your name and address together with a copy of your identification document, and stating that you are withdrawing your consent. If you withdraw your consent to receive electronic notices, RIA reserves the right to charge you for the expenses incurred in relation to providing such notification service through ordinary means.

(3) Keeping your email and any electronic address current with us.

You must keep your email address and any other electronic address current in our system.

In order to ensure that we are able to provide notices, disclosures and statements to you electronically, you must notify us of any change in your email or other electronic address and any change in your mobile phone You may update the email address we have on record for you through the Ria website.

14. INTELLECTUAL PROPERTY

RIA Web and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by RIA and the Euronet Worldwide Inc. Group to which it belongs, its licensors or other providers of such material and are protected by Spanish, EU, and international laws governing copyright, trademark, patent, trade secret and other intellectual property or proprietary rights.

You are permitted to use RIA Web for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly show, publicly display, republish, download, store or transmit any of the material on our site, except to (a) save copies of such materials temporarily in RAM; (b) store files that are automatically cached by your web browser for display enhancement purposes; and (c) print a reasonable number of pages of RIA Web for a permitted use.

You must not (a) modify copies of any materials from RIA Web; or (b) delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.

You must not reproduce, sell or exploit for any commercial purposes any part of the Ria website, access to the website or use of Ria Web or any services or materials available through the Ria website.

If you print, copy, modify, download or otherwise use any part of the website in breach of the terms of use, your right to use Ria Web will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in Ria Web or any content on the site is transferred to you, and RIA, along with any of the companies that form part of Euronet Worldwide Inc. Group reserves all rights not expressly granted. Any use of Ria Web not expressly permitted by these terms of use is a breach of these terms of use and may violate copyright, trademark and other laws.

15. PERSONAL DATA PROTECTION

In accordance with Article 5 of the Organic Law 15/1999 of December 13th on Personal Data Protection ("LOPD") which regulates the right to information during data collection, you are hereby informed that the data provided by the Client while browsing and using RIA Web, as well any other that may arise from the relation between RIA and the Client, shall be included in a data file under the responsibility of RIA PAYMENT INSTITUTION, E.P., S.A.U., with the purpose of facilitating your access to RIA Web, use the services offered through it, adapt the services to client preferences and study the use of services by the clients, send the requested information, as the case may be, as well as to maintain clients informed, including through electronic means, concerning the services offered by RIA.

This data file is duly registered with the Spanish Data Protection Agency in accordance with the legislation in force and implementing regulations. RIA guarantees the confidentiality and safety of the data provided by the Client. The Client may request review and obtain a copy of his or her information, while RIA reserves a right to charge a fee for reasonably incurred expenses. The Client may also correct, eliminate or limit the use made by RIA of any information that is incomplete, inexact or exaggerated.

In accordance with the provisions of Article 15 and those that follow it in the LOPD and the following Implementing Regulations approved by Royal Decree 1720/207 of December 21st, the Client has a right to exercise his or her rights of access, rectification, cancellation or challenge by means of a written and signed request sent to the address indicated at the heading of this Contract or to the email address dataprotection@riafinancial.com, made in both cases with the reference to "DATA PROTECTION". This request must contain the following data: given name and surnames, address for notification purposes and a copy of the national ID document or the passport.

RIA informs the Client of the placement of cookies that store browsing data, in order to facilitate future visits to the website. The cookies do not record any information from the client’s equipment. If the Client does not wish to allow cookies, he or she must remove this option from his or her own browser. Failure to allow cookies can lead to irregularities in the browsing of the website.

16. CUSTOMER SERVICE

You may submit any complaints and claims in writing (i) personally at any establishment of RIA PAYMENT INSTITUTION, EP, SA.U; (ii) by mail to the attention to the Head of the Customer Service of RIA PAYMENT INSTITUTION, EP, SAU, Calle Cantabria 2 - 2º, A - 1, Alcobendas 28108; (iii) by fax to the attention of the Head of the Customer Service of RIA PAYMENT INSTITUTION, EP, SAU, number 917613760, or (iv) by email sent to servicioalcliente@riamoneytransfer.es. Customer Service shall review the submitted complaints and claims within at most two months from their submission. If a claim submitted to the Head of the Customer Service of the company is rejected or if two months have elapsed without a response from the aforementioned Customer Service, you may file your claim with the Banking Service Client Defense Commission (thought the Claims Service of the Banco de España attached to it), at the following address: Banco de España, Servicio de Reclamaciones, C/. Alcalá 50, 28014 Madrid; or through the Virtual Office of the Banco de España.

17. CHANGES

RIA reserves the right to change the conditions of the Contract, notifying you in the manner set out in the Contract with a minimum notice of two months before the date on which the changes are to become effective, although if it can apply those changes that will clearly be more favorable to you.

If you disagree with the changes communicated by RIA, you may terminate this Contract in accordance with the stipulations set forth therein. Nonetheless, if you do not indicate your disagreement with such modifications before the effective date of the same, it shall be understood that you have accepted them.

Likewise, you acknowledge and accept that RIA may introduce changes, add features, functions, corrections and updates to the RIA Web page.

18. APPLICABLE LAW AND JURISDICTION

This Contract shall be governed by the laws of Spain.

Any issues arising in relation to this Contract shall be reviewed by the courts and tribunals deemed competent in accordance with applicable legislation. Nonetheless, the Client and RIA may expressly agree, as the case may be, to submit to the Consumer Arbitration System.

19. RIGHT TO RECEIVE A FRAMEWORK AGREEMENT.

You shall have the right to receive the framework agreement at any point of the contractual relationship, on paper or any other permanent means.

20. GENERAL CONTRACTUAL CONDITIONS

This Contract contains general conditions that have been established beforehand and accepted by the Parties.

OTHER TERMS AND CONDITIONS

1. Acceptable Use

The use of the website and information transmitted in connection with the money transfer transaction is limited to the contemplated functionality. In no event may the website or Ria’s money transfer service be used in a manner that (a) harasses, abuses, annoys, threatens, defames or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, deceptive or otherwise violates any applicable federal, state, local or international law, statute, ordinance or regulation; (c) uses technology or other means to access Ria that is not authorized by us; (d) use or launch any automated system, including but not limited to, "robots," "spiders," or "offline readers," to access Ria; (e) attempts to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (f) attempts to gain unauthorized access to Ria’s computer network or user accounts; (g) encourages conduct that would constitute a criminal offense, or that gives rise to civil liability; (h) violates these Terms of Use; (i) attempts to damage, disable, overburden, or impair Ria’s servers or networks or otherwise attempts to interfere with the proper working of the website; (j) infringes on our or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; (k) provides false, inaccurate or misleading information; or (l) may cause us to lose any of the services from our Internet service provider or other suppliers (collectively "Acceptable Use"). You further agree that you may not refuse to cooperate in an investigation or to provide confirmation of your identity or any information you provide to us in connection with your use of the website.

2. Required Hardware and Software

To access and save the notices, disclosures and statements we provide to you electronically, you must have:

  • A computer system that operates on a platform of the quality of Windows or Mac environment or better.
  • A connection to the Internet.
  • A current version of Internet Explorer 8 (or higher) or Mozilla Firefox 7.0, Safari 5 or Chrome 15 (Users utilizing other browsers may experience compatibility difficulties).
  • A current version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher.
  • A computer or device and an operating system capable of supporting all of the above, and
  • A printer to print out and retain records on paper, or electronic storage if you wish to retain records in an electronic form. You should retain a copy of all of the notices, disclosures and statements we send to you electronically.
By "current version," we mean a version of the software that is being supported and is compatible with RIA Web at any given time.

We reserve the right to discontinue support of a current version of software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account We reserve the right, at our sole discretion, to communicate with you via the Postal Service.

3. Security and Blocking of RIA Web

By using RIA Web, you represent and warrant that you are 18 years or older and of legal age to enter into a binding contract with RIA.

You are responsible for ensuring that all persons who access RIA Web through your mobile phone device or Internet connection are aware of these terms of use, have agreed to the terms of use, and that they comply with them and to undertake any pertinent measures for accessing RIA Web and maintaining the hardware and software required for such access in accordance with the requirements set forth in the preceding section. To access RIA Web or some of the Services it offers, you may be asked to provide certain registration, identification and authentication details or other information. It is an indispensable condition of your use of RIA Web that all the information you provide to us on the website (or otherwise) is correct, current and complete at all times.

RIA reserves the right to withdraw or amend RIA Web, and any service or material we provide on RIA Web, at our sole discretion without notice, except as otherwise required by law. RIA will not be liable if, for any reason all, any part of RIA Web is unavailable at any time or for any period.

RIA may block your use of RIA Web if it has objectively justified reasons for doing so, such as security reasons or suspicion of an unauthorized or fraudulent, illegal, incorrect of false use of the Service. In such a case, RIA will inform you of the blockage of the service as soon as possible and it will unblock once the reasons for such blocking cease to exist.

If you become a registered user of our money transfer service and you choose, or you are provided with, a user name, 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 user name or password, PIN or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular 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. RIA reserves the right to disable any user identification code or password, whether chosen by you or provided by us, at our sole discretion for any or no reason, including if, in our opinion, you have failed to comply with any provision of this Contract.

4. Monitoring and Enforcement; Termination

We have the right at our sole discretion to (a) take appropriate legal action, including but not limited to referral to law enforcement, for any illegal or unauthorized use of the website, and (b) suspend or terminate your access to all or part of the website for any or no reason, including but not limited to any violation of these terms of use. Without prejudice to the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone carrying out a transaction on or through RIA Web.

5. Changes to RIA Web and Payment Transaction procedures

We may revise and update RIA Web or the procedures related to Payment Transactions from time to time at our sole discretion, with or without prior notification, unless such is required by law. We may suspend access to RIA Web or shut it down.

6. Information about you and your visits to RIA Web

All information that we collect on RIA Web is subject to our data protection policy. You represent and warrant that all data provided by you is accurate.

7. Links from RIA Web

If RIA Web contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods or services you may purchase or obtain from them. If you decide to access any of the third party websites linked to RIA Web, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

8. Geographic Restrictions

We provide RIA Web for use only by persons located in Spain. We make no claims that RIA Web or any of its content is accessible or appropriate outside of Spain. Access to RIA Web may not be legal if made by certain persons or in certain countries. If you access RIA Web from outside Spain, you are in violation of these terms of use and are fully responsible for your actions, including full responsibility for compliance with applicable foreign laws. We may suspend or terminate your service, at our sole discretion, if you access or attempt to access our website from outside of Spain.

9. Persons under 18

The Service is intended for use by users who have reached eighteen (18) years of age. Please note that the service (including but not limited to the network, system, software, servers, various directories and listings, various message and news boards, tools, information and databases) is not intended for use by persons under eighteen (18) years of age. If it comes to our attention through reliable means that a user is a child under eighteen (18) years of age, we will cancel that user’s account and will delete all information regarding such user from our system and records.

10. Disclaimer of Warranties

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We shall not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of RIA Web or any services or items obtained through RIA Web.

Your use of RIA Web, its content and any services obtained through RIA Web is at your own risk. RIA Web, its content and any services obtained through the website are provided on an "as is" and "as available" basis, without any warranties of any kind, either expressed or implied. Neither RIA nor any person associated with RIA makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of RIA Web. Without prejudice to the foregoing, except to the extent required by law, neither RIA nor anyone associated with RIA represents or warrants that RIA Web, it’s content or any services or items obtained through RIA Web will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that RIA Web or any services or items obtained through the website will otherwise meet your needs or expectations. By means of this clause, RIA hereby disclaims all warranties of any kind, either express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

11. Liability and Limitation on Liability

You are responsible for any chargeback, claim, reversal, fee, fine, penalty and other liability incurred by RIA, another user of our Services, or a third party caused by or arising out of your breach of these terms of use, and/or your use of our money transfer Service. You agree to reimburse RIA, another user, or a third party for any and all costs related to the breach of your obligations.

Except as otherwise required by law, Ria’s liability is limited to the amount showing on the face of receipt for your Payment Transaction, including service charges. Notwithstanding the above, under no circumstances shall RIA, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind arising out of or in connection with your use, or inability to use, RIA Web. Unless established otherwise by legal provisions applicable at a given time, any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, are excluded.

If RIA does not properly complete transactions on time or for the correct amount in accordance with this contract entered into with you, RIA may be liable for your losses, up to the limitation described in the preceding paragraph. However, the company will not be liable if (a) through no fault of RIA, you do not have enough funds available in your bank account, debit card account, or credit card account to complete the transaction; (b) the Paying Agent or Recipient refuse to accept your Payment Transaction; (c) your funds are subject to legal processes or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to RIA; or (e) if your use is not an acceptable use.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

12. Indemnification

You agree to defend, indemnify and hold harmless RIA, its affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) resulting from your violation of these terms of use or your use of RIA Web, including, without limitation, any use of RIA Web content or services other than as expressly authorized in these terms of use or your use of any information obtained from the website, or your negligence, fraud or willful misconduct.

13. Waiver and Severability

No waiver of these terms of use by RIA shall be deemed as a future or continuing waiver of such terms. Any failure of RIA to assert a right or provision under these terms of use shall not constitute a waiver of such right or provision.

If any provision of these terms of use is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent possible, such that the remaining provisions of the terms of use will continue in full force and effect.

14. Trademarks

The name "Ria Money Transfer" and all names, logos, names of products and services, designs and related slogans are registered trademarks belonging to the Euronet Worldwide Inc. Group (a group to which RIA belongs to), or its subsidiaries or license holders. You may not use these trademarks without the prior written consent of RIA. All other names, trademarks and signs shall be used exclusively for identification purposes and they are registered trademarks of their respective owners.

ADDITIONAL SERVICES

Additional services COMMISSION
Cancellation, change or return or money transfers (Note 3) The ordering client shall bear all expenses incurred by RIA.
Money transfer with insufficient or incorrect data (Note 4) The ordering client shall bear all expenses incurred by RIA.
Balance management (Note 5) 5.00 €/month

Note 1. Definition of money transfer.

Money transfer is a payment service that makes it possible to receive funds from the Sender without creating any payment account in the name of the Sender or Receiver, with the sole purpose of transferring the equal amount to the Receiver or another payment service provider acting on behalf of the Receiver, or to receive the funds on behalf of the Receiver and make them available to him or her.

Note 2. Currency exchange rates.

RIA provides its clients with a schedule containing the minimum and maximum exchange purchase and sales rates or, as the case may be, the sole applicable exchange rate for transactions under 3,000 euros.

Note 3. Cancellation, amendment or return of transfers.

RIA shall undertake such actions as are necessary in order to execute an order issued by the ordering party of the transaction in order to cancel, amend or attempt to reverse a payment order.

If such actions incur any costs charged by third parties, these shall be passed to the client, even if such actions are not successful for reasons not attributable to RIA.

Note 4. Transfers with insufficient or incorrect information.

The omission of any data required for a money transfer shall not lead to additional fees charged to the Sender, although the Sender will be subject to expenses incurred by RIA for actions undertaken to obtain the data required for executing the transfer, even if such actions are not fruitful for reasons not attributable to RIA, as well as any costs incurred by RIA for the recovery of funds in case it is not possible to make a transfer or if RIA decides not to search for missing, incomplete or erroneous data and to return the funds to the source.

Note 5. Balance management.

If the funds received from clients are held by RIA at the end of the following business day after their receipt, they shall be deposited into a separate account held in a credit institution, or they will be invested in secure, liquid and low-risk assets in accordance with pertinent regulations. In exchange for taking such actions and after a period of three (3) months after the receipt of funds and if the payment order or the return of funds to the sending client could not be executed, RIA may collect a monthly commission charged to such funds.

Days open for trade shall be deemed business days for RIA for all pertinent purposes related to making a payment transaction.