GENERAL TERMS AND CONDITIONS APPLICABLE TO MONEY TRANSFER OPERATIONS

RIA CHILE SERVICIOS FINANCIEROS SPA

FIRST.- Ria Chile SpA.

Ria Chile Servicios Financieros SpA (hereinafter RIA), RUT 76.134.934-1, was incorporated by public deed on January 31, 2011, granted at the Notary's Office of Santiago by Ms. Valeria Ronchera Flores. An extract of said deed was registered on page 5902, number 4607 of the Santiago Commercial Register and published in the Official Gazette on February 2, 2011. These General Terms and Conditions aim to establish the essential rights and obligations between RIA and the Customer in the provision of money transfer services, subscribing, where applicable, the necessary individual contracts in which the specific applicable conditions are established (hereinafter "settlement documents").

SECOND.- Scope of Application

These general terms and conditions apply to money transfers within Chile and abroad, as well as to the delivery of money sent from or to Chile, whether made by written orders at Ria's physical locations or through the MyRia application (hereinafter "the Application").

THIRD.- Pre-transfer or Money Delivery Information Obligations

The information that the Customer must provide to RIA includes:

Details regarding the sender and beneficiary:

Full name;
Gender;
Date of birth;
Nationality and country of birth;
National Identity Card or Passport (the original documents must be presented, and the company may retain a copy);
Information related to the National Identity Card or Passport: Document number; Country and place of issue, date of issue, expiration date;
Profession, occupation, or trade;
Source of funds;
Address or residence in Chile;
Contact phone number.

Additionally, the following must be considered:

RIA's policy requires verifying the identity of its Customers for all transactions, regardless of the amount, before initiating any operation. Therefore, presenting one of the documents mentioned in the second paragraph of this title is mandatory.
The identity document must be original, valid, and current. Copies, photos, renewal certificates, or other documents not mentioned in the second paragraph of this title are not accepted.
To verify a Customer’s identity, RIA may also request the user to submit a photograph through the Application.
RIA does not accept transactions conducted on behalf of another person.
RIA does not accept transactions carried out by legal entities.
RIA does not accept money transfers initiated by individuals under 18 years old.

The Customer agrees to verify the accuracy and completeness of the details regarding the money transfers they request from RIA, particularly concerning the recipient’s (beneficiary's) identifying information and the financial terms in the settlement document of the order, which will have a unique number for future tracking (Unique Identifier). This settlement document constitutes the Individual Contract governing that payment operation.

When a money transfer is executed according to the instructions received from the Customer and recorded in the settlement document or following the respective Application instructions, it will be considered correctly executed concerning the specified beneficiary. Therefore, if any information provided by the Customer is incorrect, RIA will not be responsible for the non-execution or defective execution of the money transfer operation.

RIA will store copies of Customer identification documents in optical, magnetic, or electronic formats that ensure their integrity, correct data readability, non-manipulation, and proper preservation and retrieval.

RIA reserves the right to request additional background information from its clients to perform the money transfer or payment service and may refuse to process a transaction that poses a risk to the company under its internal policies and Chilean laws 18.314, 19.913, and 20.393.

FOURTH.- Fees, Taxes, and Applicable Commissions

For all money transfer services, the Customer must pay RIA the applicable commissions as per the individual contracts.

The settlement document, which functions as an individual contract, will include:

A reference allowing the Customer to identify the completed operation;
The date and value of the operation;
The amount provided by the Customer, expressed in the delivered currency;
The exchange rate applied in the money transfer operation;
The total amount corresponding to the money transfer operation costs, including a breakdown where applicable;
The amount received by the Customer or beneficiary, expressed in the received currency.

Payment of commissions and applicable transfer costs will be borne by the sender and will be duly detailed in the settlement documents.

The beneficiary of a money transfer will receive the net amount stated in the settlement document issued to the sender, minus any applicable taxes in the destination country.

Commissions due to the money transfer service provider will be borne by the sender, while the beneficiary will only be responsible for any required taxes imposed by the payment entity in the destination country.

RIA will publish the maximum applicable fees and expenses for money transfer operations.

Information regarding the terms and conditions applicable to money transfer services is provided free of charge to the sender or order issuer.

FIFTH.- Consent, Irrevocability, and Payment Order Cancellation

Consent:

The sender's consent for executing a money transfer operation occurs when they make the payment, after which they receive the settlement document mentioned in the fourth title.

RIA is not responsible for any loss or misuse of the proof of settlement document provided to the sender.

To the extent permitted by law, you consent to receiving all transaction-related documentation electronically, acknowledging its sufficiency. You will not receive a paper copy of any documents mentioned in these Terms and Conditions unless you expressly request one in writing.

If a transaction is carried out through the Application, the user can access their transaction history and supporting documentation within the Application

SIXTH.- Execution of Payment Orders

The time of receipt of a money transfer order is when it is received by the sender’s service provider. If the receipt time is not a business day for RIA, the order will be considered received on the next business day.

The execution of money transfer orders will occur once the sender has provided sufficient funds to RIA and all necessary steps have been completed per the Application's requirements.

For money transfer operations where the Customer acts as the sender, RIA will ensure that the transaction amount is credited to the beneficiary no later than the end of the next business day. However, due to circumstances beyond RIA’s control, including exchange control regulations in destination countries, transfers to certain countries may experience additional delays or cancellation of the order.

SEVENTH.- Payment Operations Involving Currency Exchange and Currency Exchange Service

RIA provides its Customers with the exchange rates applicable on the day of the transaction.

Exchange rate modifications will be applied immediately and without prior notice, based on fluctuations in reference exchange rates. Changes in exchange rates used for money transfers will be applied and calculated neutrally.

In any case, the exchange rate will be communicated to the Customer before issuing the transfer order and will be recorded in the corresponding settlement document.

The funds will be paid to the beneficiary in cash in the appropriate currency according to the destination country unless, due to RIA’s commercial relationship with the correspondent or the beneficiary’s payment service provider, and always with the beneficiary’s consent, the payment is made in a different currency.

RIA reserves the right to reject any operation that, under its internal regulatory controls, requires additional verification and prevents its immediate execution.

EIGHTH.- Unauthorized or Incorrectly Executed Money Transfer Operations

If the Customer becomes aware of an unauthorized or incorrectly executed money transfer operation, they must report it to RIA without undue delay to allow correction.

Unless RIA has failed to provide or make the Customer aware of the transaction details, the Customer must report such issues within a maximum of three months from the date of debit or credit of the transaction amount, as applicable.

NINTH.- Data Protection

In compliance with Law 19.628 on the Protection of Private Life, which regulates the protection of personal data, the following is stated: The Customer’s personal data (understood as the person(s) signing or appearing on this form) provided in money transfer requests within Chile or abroad will be incorporated into files under the responsibility of "Ria Chile Servicios Financieros SPA." These data are necessary to establish a legal relationship with the Customer and will be used to process and execute the requested money transfers, implying acceptance that such data will be transmitted to RIA’s American parent company through which the service is provided, as well as to the paying entities in the destination countries. Otherwise, the transfer or service could not be executed.

Additionally, the Customer agrees that their data may be shared with all companies that are part of the Ria Financial group, as detailed at http://www.euronetworldwide.com/, to optimize the management of money transfer and currency exchange services through centralized order processing. The Customer also agrees that their data may be used and shared for advertising and commercial prospecting purposes by the aforementioned group companies to send promotional communications via postal mail, email, or mobile regarding financial services, money transfers, and payment solutions.

The Customer's personal data will not be used for purposes other than those indicated without prior knowledge and consent.

RIA's privacy policy ensures that Customers can exercise their rights of access, rectification, cancellation, and opposition regarding the processing of their data by submitting a written request to RIA specifying their exact request in the legally established manner.

The Customer is informed that money transfer service providers like RIA, as well as payment systems and related technology service providers to whom transaction data is transmitted, may be legally required under Chilean law to disclose transaction information to official authorities within or outside Chile in the context of anti-terrorism financing, anti-money laundering, and other criminal prevention measures. By accepting these Terms and Conditions, the Customer acknowledges having read and understood RIA's full Privacy Policy available in the Application.

TENTH.- Liability

In case of any delay, failure to deliver, failure to pay, or underpayment of a transfer, the sole and maximum remedy against RIA is a refund of the transfer amount plus the consumer fee. No other recourse is available to the Customer, including but not limited to compensation for incidental, indirect, special, or consequential damages. These limitations apply regardless of whether the claim arises due to RIA's or its agents' negligence, human or mechanical error, or failure of any kind.

RIA will not be responsible for any service variation or delay due to local regulations or causes beyond its control.

The Customer declares that they possess an electronic device or mobile phone with sufficient technical requirements, both in software and hardware, to place orders via the Application. Any failure of the Customer's electronic device or mobile phone preventing a successful money transfer order will not be RIA's responsibility.

ELEVENTH.- Applicable Law

The legal relationships outlined in these General Terms and Conditions are governed by their clauses, the specific agreements reflected in settlement documents, and, where not specified, the laws of the Republic of Chile.

TWELFTH.- Arbitration

Any dispute regarding the interpretation, execution, or validity of RIA’s "General Terms and Conditions Applicable to Money Transfer Operations" will be resolved in a single instance by the ordinary courts of justice, according to applicable laws and regulations.

RIA CUSTOMER SERVICE:

The customer service contact channels are:

Customers must submit complaints and claims in writing: (i) in person at any Ria Chile Servicios Financieros SPA office, (ii) by postal mail to "Customer Service of Ria Chile Servicios Financieros SPA," Avenida Libertador Bernardo O’Higgins 1449, Tower 4, Office 1502, Santiago, (iii) or by email at servicioclientechile@riafinancial.com. In all cases, the Customer will receive a copy of the complaint submission date.

The Customer Service will resolve complaints within 30 days of submission.

If the complaint submitted to RIA's Customer Service is dismissed or if no response is received within 30 days, the Customer may escalate the claim to the National Consumer Service.

DEFINITIONS:

"Payment operation" or "Money transfer": An action initiated by the sender or beneficiary to deposit, transfer, or withdraw funds, regardless of any underlying obligations between them.

"Business day": A working day required for the execution of a payment operation by the sender’s or beneficiary’s payment service providers. For online payment accounts, the calendar of the provider’s registered office will apply.

HELLORIA

New customer offer only. Use code HelloRia on the Ria Money Transfer app or RiaMoneyTransfer.com and receive $0 fees on first-time money transfers of $50 or more, limited to one (1) per person aged 18 years or older. The offer expires on December 31, 2025. Ria Money Transfer reserves the right to terminate the promotion at any time. Terms and conditions apply.