Ria Money Transfer Mobile Application - Terms and Conditions

Posted on August 15, 2023

INTRODUCTION

Ria Financial Services Australia Pty Ltd. (ABN: 43 114 423 782), a company incorporated in Australia with its registered address at Level 1, 75 Castlereagh Street, Sydney NSW 2000, Australia is licensed for the provision of money transfer services and trades under the name 'Ria' and/or 'Ria Money Transfer' (hereinafter “Ria”, “we”, “our” or “us”).

It is important that you to read and understand these terms and conditions (“Terms and Conditions”) before you accept them. These Terms and Conditions are applicable to and available on the Ria Money Transfer mobile application managed by Ria and/or any other company within Our Group (the “Ria Money Transfer App”). They explain many of your responsibilities to us and our responsibilities to you, how and when our agreement with you can be terminated and the extent of our liability to you. Further information is available under the ‘FAQ’ section on the Ria Money Transfer App.

BY COMPLETING AND CONSENTING TO THE INFORMATION REQUIRED TO MAKE A PAYMENT TRANSACTION AND BY ACCEPTING THESE TERMS AND CONDITIONS, YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. PLEASE DO NOT USE ANY OF OUR SERVICES IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE A LEGALLY BINDING AGREEMENT AND IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THEM CAREFULLY.

CONSUMER FRAUD ALERT: WIRING MONEY IS JUST LIKE SENDING CASH. PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PERSONS YOU KNOW OR CAN OTHERWISE VERIFY TO BE TRUSTWORTHY. CLICK HERE TO LEARN MORE ABOUT SENDING MONEY SAFELY WITH RIA. IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD OR A SCAM, PLEASE CONTACT US IMMEDIATELY AT 1-800-531-581 Opt 2 OR BY EMAIL AT [email protected] AND CONTACT YOUR LOCAL LAW ENFORCEMENT AUTHORITIES.

1. OUR SERVICES

1.1. These Terms and Conditions govern the provision of Our Service, consisting of the execution of Payment Transactions initiated by you through the Ria Money Transfer App. These Terms and Conditions shall apply to your use of the Ria Money Transfer App where you instruct us to perform, and we agree to perform for you, any of Our Service, including all content, functionality and services offered through it.

1.2. Our obligations under these Terms and Conditions are conditional upon our acceptance of you as a user, which is at our sole discretion and we reserve the right to decline to provide Our Service to you without specifying a reason. You must promptly provide all information and documentation which we may request from you at any time to enable us to comply with any legal requirements relating to Our Service, including as required by anti-money laundering and anti-terrorist financing regulation, and you consent to us contacting you for these purposes.

2. DEFINITIONS

2.1. These Terms and Conditions use the following definitions:

(i) "Bank Card" means a Visa or MasterCard credit card, or a debit card
(ii) "Bank Transfer" means the method of payment where you instruct your bank to send money or payment directly, or through a third-party payments company engaged by Ria (such as POLi Payments) for the purpose of facilitating your payments for Our Services, to Ria’s bank accounts.
(iii) "Business Day" means Monday to Friday excluding Bank Holidays and Public Holidays, in Australia
(iv) "Card Issuer" means the issuer and owner of a Bank Card
(v) "Our Group" is defined in clause 20 below
(vi) "Our Service" means the money transfer services which we provide through the Ria Money Transfer App
(vii) "Paying Agent" means a natural person or a legal entity acting as a third-party provider of payment services or an agent acting on our behalf or on behalf of an affiliate in Our Group who pays out a Payment Transaction initiated by you to a Recipient in the destination country identified by you
(viii) "Payment Order" means all instructions submitted by you to us requesting the execution of a Payment Transaction
(ix) "Payment Transaction" means the transfer of money to a Recipient
(x) "Recipient" means the individual designated by you as the receiver of the Payment Transaction who is a natural person and acceptable to us, and who receives the money transfer via a designated Paying Agent, by bank transfer to the bank account of such designated individual or via our home delivery service (where applicable)
(xi) "Ria Money Transfer App" is defined in the paragraph headed ‘Introduction’ above
(xii) The terms "you", "your", "yours" and "user" mean you, the person who is contracting with us using the Ria Money Transfer App for the provision of Our Service

3. FORMATION OF CONTRACT

Each Payment Transaction which we perform for you is a separate contract which incorporates these Terms and Conditions. At no time is a framework agreement concluded between you and us which obligates us to execute subsequent Payment Transactions. You shall inform the Recipient of the Payment Transaction accordingly.

4. CHANGES

4.1. We may amend these Terms and Conditions from time to time, for example in order to comply with changes in the law or regulatory requirements or due to changes in market conditions.

4.2. If we make any change to these Terms and Conditions, we will do so by email and/or by placing the revised version of these Terms and Conditions on the Ria Money Transfer App. We will also inform you of the date from which any change is to take effect (the "Effective Date").

4.3. Changes that we make to these Terms and Conditions will normally only apply to Payment Orders entered into after the Effective Date but will also apply to Payment Orders entered into before the Effective Date where we are required to do so by law or regulatory requirements. In any event, and for the avoidance of doubt, the updated version of these Terms and Conditions shall supersede any previous version.

4.4. We do not guarantee that the Ria Money Transfer App or any content on it, will always be available or uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Ria Money Transfer App for business and operational reasons. We will try to give you reasonable notice (for example by posting a message on the Ria Money Transfer App) of any scheduled suspension or withdrawal.

5. ACCESS TO OUR SERVICE

5.1. By using the Ria Money Transfer App, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract with us. If it comes to our attention through reliable means that a user is under 18 years of age, we will cancel that user’s account and delete all information regarding such user from our system and records.

5.2. You must have a valid user account in order to use Our Service ("user account"). You can apply through the Ria Money Transfer App to establish a user account by entering your personal information and a password, and confirming your acceptance of these Terms and Conditions. If we accept your application, we will establish your user account and activate it for use to access Our Service, subject to the limitations set forth in these Terms and Conditions. All information that you provide will be stored in your user account and maintained by us and/or certain companies engaged by us or our Group to provide Our Service.

5.3. You will be able to access Our Service via the Ria Money Transfer App by correctly entering your user name and password (together your "User ID") but in no other circumstances. Your User ID is strictly confidential, personal and non-transferable. It is your responsibility to ensure you keep your User ID and any other security features associated with your access to the Ria Money Transfer App (including any Payment Order details) safe and secure. NEVER SHARE YOUR USER ID WITH ANYBODY AND DO NOT WRITE IT DOWN ANYWHERE! If you become aware or have any suspicion that your User ID is no longer confidential or has been compromised in any way, you must contact us immediately by telephone at: 1800 531 581 or by email to: [email protected] Any undue delay in contacting us may affect the security of Our Service and/or result in you being liable for any losses.

5.4. Once you have informed us of the unauthorised use of your User ID we will take all necessary action to prevent any further use of this information. We will inform you of such steps after having taken them and provide the reasons for taking such steps unless we are prevented from doing so for legal reasons. Taking these steps do not make us liable for any loss or damage caused as a consequence of your failure to comply with your duties under these Terms and Conditions. However, you may be entitled to the reimbursement or credit of a certain amount from your Card Issuer if your Bank Card or your bank account have been used in a fraudulent manner. Subject to relevant law and regulations, you will be responsible for damages caused to us as a consequence of the unauthorised use of your User ID.

5.5. We reserve the right to disable your User ID at 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.

6. REQUIRED HARDWARE AND SOFTWARE

6.1. You must provide and/or obtain any equipment or telecommunication lines including a computer or device and an operating system and a printer to print out and retain records on paper, in electronic storage or on other durable medium, as may be necessary for you to use Our Service. You acknowledge that certain software and equipment used by you may not be capable of supporting certain features of Our Service. You should print out and retain a copy of all of the notices, disclosures and statements we send to you electronically.

6.2. To access and keep notifications, disclosures and statements which are provided electronically, you must have:

(i) A device which operates on a platform with the quality of the Android or iOS environment, or higher
(ii) An internet connection
(iii) A current version of Android 4.4 (or higher) or iOS 8 (or higher)
(iv) A device and operating system capable of supporting all of the above

6.3. 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 Our Service. By "current version", we mean a version of the software that is being supported and is compatible with the Ria Money Transfer App at any given time.

6.4. We reserve the right, at our sole discretion, to communicate with you via post.

6.5. We are not responsible for the content, policies, goods or services of any other persons or websites linked to or accessible via the Ria Money Transfer App. The existence of any link to any other mobile application or website does not constitute an endorsement of, or association with, any such mobile application, website or any person operating any such mobile application or website. Any reliance on any content, policies or services of any other persons, mobile applications or websites is at your sole risk. Any queries, concerns or complaints concerning such mobile applications or websites should be directed to the persons responsible for their operation.

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