Ria Financial Services Australia Pty Limited




1. Parties

This Agreement (as defined in Clause 12) is between you and Ria Financial Services Australia Pty Ltd. ("Ria"), whose ABN is 43 114 423 782 and whose registered office is at Level 1, 75 Castlereagh Street, Sydney NSW 2000.

2. Service

2.1 Ria will provide you (“Sender”) with a money transfer service ("Service") through its international network of authorised representatives (“Correspondents") which will enable you to transfer funds ("Transfer") to your chosen recipient ("Beneficiary").

2.2 In order to provide the Service, Ria requires you to place the transfer funds, including any Transfer Fee (as defined below) into Ria’s bank account ("Ria Account") in the manner notified to you by Ria after your registration with Ria for the purposes of the Service.  If this is done in one of Ria’s stores or agencies then it may be by providing funds at the time of the transaction.  Where the transaction is conducted by telephone or electronic communication, such transactions may be subject to additional terms and conditions and Ria will advise you of the mechanism for payment to Ria.

3. Consents

You agree that by placing the transfer funds into the Ria Account you irrevocably consent to the execution of the Transfer transaction.

By providing us with your personal information, such as address, telephone number, mobile number and/or email address, you consent to receiving notices and other communications from Ria via post, telephone, email and/or SMS message, subject to our Privacy Policy which is available at /global/privacy-policy/au.aspx.

You acknowledge that message and data rates may apply to SMS messages. Ria may send notices to you about your Transfer, your use of the Service or for other purposes, such as providing you with details regarding new developments, products, services and special offers. We may use any email address or other personal information you provide to us at any time for this purpose.

However, if you prefer not to be contacted for any of the above mentioned reasons or via any of the above mentioned means, you have the option to unsubscribe or opt-out if you so desire.  To stop receiving SMS messages, reply "STOP" to any Ria SMS message received.  To stop receiving email messages, please send an email message to unsubscribe@riafinancial.com with your request. You may also call Ria at 1800 701 488 or e-mail australiacs@riafinancial.com for assistance.

4. Transfer Information

4.1. The Transfer will be paid to the Beneficiary in cash, cheque or, where available and if so directed by you, to a bank account held by the Beneficiary ("Account").

4.2. You agree to bear all fees for the Transfer, including any local taxes or service charges that apply to the Transfer in the destination country (“Transfer Fee”).

4.3. While Ria will try to ensure the Transfer is available for collection by the Beneficiary at the selected Correspondent’s location on the date of the transaction and during the hours of operation of the Correspondent, Transfers may be subject to delay due to circumstances outside Ria’s control, such as exceeding account limitations, regulatory requirements, bank holidays or other conditions in the destination country. Accordingly, Ria makes no representation regarding the exact time when the Transfer will be available for collection by the Beneficiary.

4.4. If you have directed delivery to the Beneficiary’s Account, Ria makes no representation as to when the bank maintaining the Account will credit the Account.

4.5. The Transfer does not constitute a deposit held by Ria. Neither you nor the Beneficiary at any time hold a payment or deposit account with Ria.  Ria receives and holds your Transfer funds solely in connection with the Service and effecting the Transfer to your designated Beneficiary.

4.6. You agree to provide Ria with full and accurate information to the best of your knowledge as required for the purposes of the Service. Ria may not complete the Transfer of funds to the Beneficiary without such information. Subject to Clause 9.4, Ria will not be responsible for any delay or wrong payment due to incomplete or incorrect information being provided by you.

4.7  The Transfer may be cancelled by Ria, in its sole discretion, if the Beneficiary does not collect the Transfer from the Correspondent within fifteen (15) days of the date of the Transfer.

4.8  You acknowledge and agree that:

4.8.1    you have obtained the Beneficiary’s consent to providing their personal information to Ria for the purpose of Ria facilitating the Transfer; and

4.8.2    you have either provided the Beneficiary with a copy of the Ria Privacy Policy, or you have provided the Beneficiary with an electronic link to the Privacy Policy.

5. Foreign Exchange

5.1. A Transfer will normally be paid out in the currency of the Beneficiary’s country; however, the option to pay out a Transfer in additional currencies may be available in some destination countries and/or through certain Correspondents. Please inquire as to such options at the time you place your Transfer order with Ria. In such case, you will be asked to select the currency to be paid out to your Beneficiary. In the event that, subsequent to the payment of a Transfer to your Beneficiary in the currency you indicated, the Beneficiary requests Correspondent to convert the payout amount into a different currency, Correspondent may convert the payout amount to such currency, but such foreign exchange transaction shall be separate and apart from the Transfer, and solely between Correspondent and Beneficiary.  Ria shall not bear any responsibility in connection with any fees or obligations which arise from such subsequent and separate foreign exchange transaction.

5.2. In addition to the Transfer Fee applicable to the transaction, in cases where the Beneficiary will receive a currency other than Australian dollars (“AUD”), Ria will convert AUD into the payout currency at Ria’s retail currency exchange rate ("Ria’s Exchange Rate") at the time of the Transfer.

5.3. Any monies arising from the difference (if any) between Ria’s Exchange Rate and the wholesale exchange rate received by Ria will be kept by Ria and/or its Correspondents.

6. Refund Information

6.1. Unless payment to the Beneficiary has already been made, and to the extent permitted by law, if you request a refund of your Transfer (or your Transfer is cancelled for any reason), Ria will refund you the principal Transfer amount (at Ria’s Exchange Rate at the time of the Transfer) on the condition that you provide Ria with a copy of a valid receipt and present valid identification. A receipt is not valid unless the corresponding transaction is processed through Ria’s computerised system and contains the computer generated imprint of the Correspondent’s name and address and the correct order number.

6.2. To the extent permitted by law, Ria will not refund the Transfer Fee if the Transfer is stopped or otherwise cancelled at your request.

7. Anti-Money Laundering and Counter-Terrorism Financing

7.1. You must provide all information to Ria which Ria reasonably requires to comply with the Anti-money Laundering and Counter-terrorism Financing Act 2006 (Cth), or to comply with any laws or regulations in Australia or any other country.

7.2. Ria may delay, block or refuse to process any Transfer without incurring any liability or without informing you of the reasons if Ria suspects that you have breached any laws or regulations in Australia or in any other country. 

8. Receipt

Ria will make available a receipt which can, at your election, either be e-mailed to your nominated e-mail address or collected from any Ria agent or store. The receipt will set out: (i) a unique identifier number  (to identify the Transfer), (ii) information relating to the Beneficiary, (iii) the amount of the Transfer, (iv) the Transfer Fee for the Service, (v) Ria’s Exchange Rate (where applicable), and (vi) the date of the transaction.

9. Liability and Indemnity

9.1. Nothing in this Agreement (including without limitation this Clause 9) operates to exclude, restrict or modify, or has the effect of excluding, restricting or modifying, any statutory condition, warranty, guarantee, right or remedy implied by law (including the Australian Consumer Law) and which cannot be excluded, restricted or modified.

9.2. If Ria fails to comply with a statutory guarantee which by law may not be excluded, then to the extent the law permits Ria to limit its liability in respect of such failure, subject to Clause 9.3, Ria’s liability is limited to:

9.2.1    the re-transfer of the principal Transfer amount; or

9.2.2    the payment of the cost of re-transferring the principal Transfer amount.

9.3. The liability of Ria excludes, to the extent that any loss or damage suffered by you is attributable to fault or negligence on your part or on the part of any person for whom you are responsible, such loss or damage. If you provide Ria with incorrect information in the form regarding the Beneficiary, Ria will not be liable for the non-execution or the defective execution of the Transfer. However, Ria will make all reasonable efforts to recover the Transfer. Ria may charge you for the recovery of the Transfer.

9.4. Except as provided below, Ria shall not be liable for any amount in excess of the amount equal to the principal Transfer amount and the Transfer Fee paid by you. Ria accepts no liability for service delays or any failure to perform the transaction in accordance with your instructions if these are due to local regulations or circumstances outside Ria’s control. Ria will not be liable for any indirect or consequential loss. Ria will not be responsible for goods and services that may be paid for by a Transfer.

9.5. Nothing in this Clause 9 will limit Ria’s liability for: (i) death or personal injury from its negligence; or (ii) fraud committed by Ria. 

9.6       You agree to indemnify and hold Ria harmless from and against any loss, damage, cost, claim or liability (including direct and consequential losses such as loss of profits) incurred by Ria:


9.6.1    arising from or as a result of your breach of this Agreement;


9.6.2    arising from or as a result of any misdescription in the Transfer form;


9.6.3    arising from or as a result of payment to a person whom Ria reasonably believes to be the Beneficiary;


9.6.4    in relation to the person you have nominated as the Beneficiary;


9.6.5    arising from or as a result of Ria’s cancellation of a Transfer pursuant to your instructions; or


9.6.6    arising from or as a result of Ria’s cancellation of a Transfer in accordance with Clause 7.2.


9.7 You agree to indemnify, defend and hold Ria harmless, its officers, directors, employees, agents, licensors and suppliers from and against all losses, expenses, damages and costs, including reasonable lawyer fees, resulting from any violation of this Agreement by you.


9.8 You also agree to indemnify us against any claims that information or material which you have submitted to us is in violation of any law or in breach of any third party rights (including, but not limited to, claims in respect of defamation, invasion of privacy, breach of confidence, infringement of copyright or infringement of any other intellectual property right).


9.9       If you provide incorrect information about the Beneficiary and the funds are deposited to an account which is not the Beneficiary’s Account, Ria shall not be liable for any resulting loss.


9.10     Once the funds are transferred to the Beneficiary, the transfer of the funds is final and irrevocable. However, if Ria is unable to remit the funds to the Beneficiary, as the Beneficiary cannot be located or does not otherwise present himself/herself at the Correspondent to collect the funds, and to the extent permitted by law, Ria will refund the Transfer funds less the Transfer Fee to you.

10. Privacy Compliance and Identity Verification

10.1. Ria will use the information provided by you, including personal information about yourself and the Beneficiary, to provide you with the Service and to manage its ongoing relationship with you. By signing the receipt for your Transfer, you, the Sender, confirm that all details you are providing to Ria are correct. In providing your personal information to Ria, you consent for the same to be used in accordance with Ria’s Privacy Policy which is available at /global/privacy-policy/au.aspx

10.2. You warrant to Ria that you have full authority and consent to provide the Beneficiary’s details to us and our Correspondents in connection with the Transfer.

10.3 In transacting with Ria, you authorise the disclosure of your personal information to and verification of your identity by Veda Advantage Information Services and Solutions Limited in accordance with the terms set out below:

(i)        you understand that:

  • The verification Portal is operated by Veda Advantage (ABN 26 000 602 862) (“Veda”) and that Veda is responsible for the portal;
  • Veda is a credit reporting body that will verify your identity against personal information held by Veda;
  • Veda will disclose your personal information to the Document Verification Service (dvs.org.au) for the purposes of verifying my identity;
  • Your personal information entered into this portal and the verification results will be used by Veda to prepare a report for Ria (ABN 43 114 423 782) to assist in meeting its obligation to identify and verify its customers pursuant to the AML/CTF Act 2006 (Cth);
  • Veda will manage your personal information in accordance with its privacy policy available in www.veda.com.au/privacypolicy, and
  • Ria will manage your personal information in in accordance with its privacy policy available at the link provided in Clause 10.1.

10.4 In addition to the method for verifying your identity described in Clause 10.3, you may also elect to have your identity verified by the following methods:

            (i)         In person verification: You may visit any one of our Ria retail store locations in New South Wales and present your government issued identification to a Ria team member who will undertake the verification process.

            (ii)        Remote verification:  If you are unable to visit a Ria retail location due to distance, you may provide us with a certification from a Justice of the Peace certifying that your identification has been verified.  Such certification should be provided to Ria via post to the following address: Ria Disputes Resolution Manager c/o Ria Financial Services Australia Pty Ltd, Level 1, 75 Castlereagh Street, Sydney, NSW 2000.


11. Complaints

11.1. If you need to make a complaint relating to the Service, please contact Ria’s Customer Services by telephone, post or email as set out in Clause 16.

11.2. If Ria is unable to resolve your complaint, you may also complain to the Financial Ombudsman Service by post addressing your complaint to the Financial Ombudsman Service, GPO Box 3, Melbourne, Victoria 3001 or lodging online at the Financial Ombudsman Service’s website http://www.fos.org.au/.  

11.3  Please see Ria’s Privacy Policy for guidance on making a complaint related to Ria’s treatment or handling of your personal information.

12. Entire Agreement

You agree that our agreement includes only these terms and conditions and the transfer form (collectively the "Agreement") and this is the entire agreement and understanding between you and Ria and supersedes and terminates any prior agreement between you and Ria.

13. Rights of Third Parties

A person who is not a party to the Agreement will not have any rights to enforce any provision of the Agreement other than at law.

14. Severability

In the event any provision (or part provision) of the Agreement is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed not to form part of the Agreement and the validity and enforceability of the other provisions of the Agreement will not be affected.

15. Language, Governing Law & Jurisdiction

15.1. Where Ria at its discretion provides you with a translation of the English version of any part of the Agreement, you agree that the translation is only for your convenience and does not form part of the Agreement. The English version of the Agreement will govern the provision of the Service by Ria to you.

15.2. The Agreement is to be construed in accordance with the law of Australia and any dispute with respect to the Agreement is to be subject to the exclusive jurisdiction of the Australian courts.

16. Contact Us

16.1. Ria’s Customer Services may be contacted by telephone on 1800 701 488 or via email at australiacs@riafinancial.com. If you wish to contact us via post, you may write to us at Level 1, 75 Castlereagh Street, Sydney, NSW, 2000.

16.2. You may contact Ria’s Customer Services for the addresses and hours of operation of the Correspondents’ locations in the Beneficiary’s area.



17.     Notices


17.1   Any notice given or made under this Agreement may be sent by email if:


17.1.1     the notice is sent to the email address last notified by the intended recipient to the sender; and


17.2.1    the sender keeps an electronic or printed copy of the notice sent.


17.2   A notice sent by email will be deemed to have been given on the first to occur of:


17.2.1     receipt by the sender of an email acknowledgement from the recipient’s information system showing that the notice has been delivered to the email address stated above;


17.2.2     the time that the notice enters an information system which is under the control of the recipient; or


17.2.3     the time that the notice is first opened or read by an employee or officer of the recipient.


18.     Termination 


18.1     This Agreement may be terminated immediately by you or Ria by notice to the other. However, termination by either party shall not affect any Transfer or other transaction previously entered into and shall not relieve either party of any outstanding obligations arising out of this Agreement, nor shall it relieve you of any obligations arising out of any Transfer entered into prior to such termination.


18.2  In the event that Ria is made aware of or has reason to believe any of the following:


18.2.1    that you have provided false or misleading information to Ria; or


18.2.2     that you have participated or are participating or have assisted or are assisting in money laundering or terrorist financing; or


18.2.3     that you are being officially investigated by law enforcement and/or regulatory agencies; or


18.2.4    that you have contravened any laws,


then Ria, at its sole discretion, may terminate this Agreement immediately by notice to you, to the extent notice is permitted under applicable laws, and Ria shall be relieved of any obligations set out in this Agreement or arising out of the transactions contemplated by the Agreement between the parties.


19.       Amendment


19.1     Ria may make modifications, alterations, changes or variations to any term of this Agreement, by notifying you in writing, including by email, of the details of the amendment or modification. Any modification or change to this Agreement will take effect after a period of 14 days has elapsed from the date when you are notified of the modification or change. You may not make any changes or modifications to this Agreement. 


 “Send Money to India” Prize Draw 2017 Official Rules – Transactions From Australia     

(“The Prize Draw”)


This Prize Draw is open to the beneficiaries whom receive funds from Australia as a “Sponsor Country”


1.                  Eligibility


The Prize Draw is open to natural persons (“Entrants”) that as of May 23, 2017 are at least eighteen (18) years or the age of majority in the respective jurisdiction of the Sponsor´s Country in accordance with the respective Sponsor´s terms and conditions for money remittance services to India (“Money Remittance Service”). Employees, officers, and directors of the Sponsorsand any of their respective affiliates, subsidiaries, representatives, contractors and members of their immediate families (spouses, parents, siblings and children, regardless of where they live) and those living in the same household (whether or not related) are not eligible to enter or win. Participation constitutes Entrant's and Beneficiary´s (as defined herein) full and unconditional agreement to these Official Rules, which are final and binding in all matters related to the Prize Draw. Winning a prize is contingent upon fulfilling all requirements set forth herein. Sponsors reserve the right to verify the eligibility of winners.


2.        Prize Draw Dates

The Prize Draw begins on May 23, 2017 at 00:00 a.m. United Kingdom Time (GMT) and ends on July 31, 2017 at 23:59:59 p.m. United Kingdom Time (GMT) (“Prize Draw Period”).


3.        Sponsors

For Australia, Ria Financial Services Australia Pty Ltd ABN 43 114 423 782, Level 1, 75 Castlereagh Street Sydney NSW 2000 “RIA”


For the full list of Sponsors, please visit www.riafinancial.com.


4.        How to Enter


There is only one (1) way to enter:


(i)                 SEND A MONEY REMITTANCE TO INDIA THROUGH A SPONSOR FOR COLLECTION BY THE BENEFICIARY AT AN AUTHORIZED DEALER: Entrants must send through a Sponsor at least one (1) money remittance (of any amount) to a designated beneficiary in India (“Beneficiary”) during the Prize Draw Period (“Money Remittance”) ANDthe Beneficiary must collect the funds of such Money Remittance in cash during the Prize Draw Period at any payout location open for business in India of Paul Merchants Limited, Weizmann Forex Ltd, Transcorp International Ltd, Punjab National Bank, Manappuram Finance Ltd, Kotak Mahindra Bank Ltd, Muthoottu Mini Financiers Ltd, Ahalia Exchange & Travels Pvt Ltd, Jayapriya Enterprises, Orient Exchange & Financial Services Pvt Ltd and Ambay Forex Pvt Ltd (“Authorized Dealers”).


Entrants and Beneficiaries shall abide by the terms and conditions of the respective Sponsor ruling the Money Transfer Service, including the payment of any fees and charges associated with a Money Remittance.


 5.        Prizes.

Thirty (3o) prizes of 30 grams of 24-carat gold with an approximate retail value (“ARV”) of USD 1,300.00 per prize (each, a “First Prize”), and one (1) prize of 100 grams of 24-carat gold with an approximate ARV of USD 4,333.00 (“Grand Prize”). Winners may win more than one prize.


6.             Selection of Winners

On or around August 15, 2017, thirty (30) First Prize winners and One (1) Grand Prize winner will be randomly selected from two raffles (one for each category of Prize) held among all the Beneficiaries of eligible Money Remittances as established in these Official Rules. Drawing will be conducted by an independent Public Notary. The odds of winning a prize depend on the total number of Money Remittances sent by Entrants to India and collected by Beneficiaries at any Authorized Dealer within the Prize Draw Period.


7.             Prize awards and Restrictions


PRIZES SHALL BE AWARDED EXCLUSIVELY TO THE BENEFICIARIES IN INDIA. In no case Entrants are entitled to receive a prize and prizes may not be substituted, assigned, transferred, or redeemed for cash; however, Sponsors reserve the right to make equivalent prize substitutions at its sole discretion if any prize (or portion of a prize) becomes unavailable. Sponsors shall not be responsible for any loss of a prize or portion of a prize after it has been delivered. Sponsors will not replace any lost or stolen prizes. The ARV of any prize is subject to fluctuations and if the actual purchase price of a prize is less than the ARV established herein, Sponsors shall not compensate for the price difference. Sponsors shall be responsible for all duties and taxes imposed to Beneficiaries awarded with a prize, including taxes on income, subject to the completion and signing of the Beneficiary of any required declarations and/or tax forms.


Money Remittances originating from Australia and collected by citizens/residents of Australia in India (“Australian Beneficiaries”) shall be excluded from this Prize Draw, and consequently, Australian Beneficiaries will not have the chance to win any prize from this promotion.


8.             Notification to Winners


The unique identification codes of the Money Remittances of the winners will be published at www.riafinancial.com.

Winners will be notified via telephone within ten (10) calendar days after the next day to the drawing of the date and address where to collect the prize (“Place of Delivery”). The Place of Delivery shall correspond to the location of the Authorized Dealer where the Beneficiary collected a winning Money Remittance. Sponsors shall reimburse to the Beneficiary all reasonable transportation costs incurred by the winner up to a maximum amount of Fifty United Stated Dollars (USD 50) or its equivalent in Indian Rupees after receipt of the invoice/s evidencing such costs at the Place of Delivery.

If an Entrant fails to provide with the telephone number of the winning Beneficiary under the payment instruction of an eligible Money Remittance, the Sponsors shall contact the respective Entrant to obtain Beneficiary´s telephone number. If Entrants or winners cannot be reached via telephone after at least three (3) attempts, or a winner fails to present himself at the Place of Delivery and date communicated by the Sponsors, Sponsors will award the prize to an alternate Beneficiary that will be selected in descending order from the resulting Money Remittance entries of the respective raffle and following the communication procedure established herein.  

Beneficiaries awarded with a prize are subject to verification by Sponsors and shall be responsible for presenting a valid identification document before receiving the prize at the Place of Delivery.


9.             General Conditions and limitation of liability


Sponsors may change the Official Rules for this Prize Draw, including the number of drawings for the selection of winners to assure all eligible Beneficiaries can win more than one prize as established in section 5 above, and discontinue the Prize Draw at any time for events falling out of its control, including without limitation suspected or actual fraud. Sponsors reserve the right at its sole discretion to disqualify any individual if it suspects or finds to violate the Official Rules of the Prize Draw or the terms and conditions applicable to the Money Remittance Service. Sponsors shall not bear responsibility for any inaccurate information received from Entrants, for the delay in the availability of a Money Remittance to a Beneficiary at an Authorized Dealer or failure by the Beneficiary to collect a Money Remittance at an Authorized Dealer within the Prize Draw Period, or for the suspension or cancellation of a Money Remittance in accordance with Sponsor´s terms and conditions and/or laws and regulations applicable to the Money Remittance Service in the Sponsor´s Country.   


By entering this promotion the Entrants expressly give their consent to the incorporation of their personal data into a file owned by Ria Financial Services (“RIA”). The purpose of processing the information submitted by the Entrant is for RIA´s fulfillment of its obligation under this Prize Draw. RIA guarantees the confidentiality of all data provided by Entrants. Entrants may exercise its rights of access, rectification, cancellation and opposition in writing, with the reasons and complete name and address, together with a copy of a valid identity documentation, to the address specified in Section 3, above.


10.         Publicity

Except where prohibited by law, winners grant to Sponsors and its affiliates, and those acting pursuant to their authority, the right and permission to publish and use worldwide in any media, including without limitation the Sponsors´ websites, each winners´ name, picture, portrait and/or voice for advertising and promotional purposes (including the announcement of his or her name, picture or video showing images of the winner on the internet or press release) without additional consideration, compensation, permission or notification.Licensor hereby grants to Licensees, effective upon the Effective Date, an exclusive, perpetual, irrevocable, royalty-free, fully paid-up, worldwide license to use, copy, display, perform, distribute and otherwise commercially exploit, in any manner and in any medium now known or hereinafter devised or created (including by creating or having created media in which Lagasse Publicity Rights are embodied for use in connection with the marketing or distribution of products and services), the Lagasse Publicity Rights in connection with any and all businesses, 3 products or services, excluding only the Permitted Activities other than the Resale Business and other uses reserved to Licensor under Section 2.04; provided, that with respect to the Resale Business, such license shall be non


11.         Law and jurisdiction

This Prize Draw shall be governed by the laws of Spain and any disputes arising out of or in connection with this Prize Draw shall be submitted to the Courts of Madrid, Spain.





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