RIA Financial Services Ltd - Terms & Conditions


PLEASE READ CAREFULLY. THIS IS PART OF A LEGALLY BINDING AGREEMENT THAT WILL AFFECT YOUR LEGAL RIGHTS.


1 Parties
1.1 The agreement is between you and Ria Financial Services Limited whose company registration number is 4263192 and whose registered office is situated at 75 Baker Street, London W1U 6RE (“RIA”) acting as the agent of Euronet Payment Services Limited whose company registration number is 6975932 and whose registered office is 6th Floor Watson House, 54 Baker Street, London W1U 7BU (“Euronet”) in the United Kingdom of Great Britain and Northern Ireland (the “UK”). Euronet is regulated by the Financial Conduct Authority (the “FCA”) of the UK and is entered into the FCA register with register number 504630.


2 Transfer Information
2.1 The Transfer will normally be paid in cash but also, where available and if so directed by you, to a bank account (an “Account”).


2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent’s location. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. RIA makes no representation when the Transfer will be available for collection by the Beneficiary, except to the extent set out in Clause 2.4.

2.3 If you have directed delivery to an Account, RIA makes no representation as to when the bank maintaining the Account will credit the Account.


2.4 Where (i) a transaction is within the European Economic Area (“EEA”); or (ii) a transaction is in pound sterling within the UK, RIA will ensure, at the latest, that: a Transfer paid as cash will be available for collection by the Beneficiary; or a Transfer to an Account will be credited to the bank maintaining that Account, at the end of the next three Business Days after the date of the transaction. Where a “Business Day” is a day on which the Correspondent providing the Service to you is open for business except weekends and bank holidays.


2.5 Any requests for transaction received by a Correspondent after 15:00 on a Business Day will be treated as requests received on the following Business Day.


2.6 The Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with RIA.


3 Transaction Limits


3.1 You may be required to present valid identification (“ID”) in order to complete the transaction. Furthermore, RIA may also require you to present further documentation and/or provide further information in order to complete the transaction.


3.2 Notwithstanding Clause 3.1:


3.2.1 Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds the pound sterling equivalent of €1,000.00 (including any fee), you will be required to provide RIA with an original form of valid ID.


3.2.2 Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds £3,000.00 (including any fee), you will be required to provide RIA with an original form of valid ID and an explanation of the source of those funds.

3.2.3 Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds £5,000.00 (including any fee) you will be required to provide RIA with an original form of valid ID an explanation of the source of those funds and proof of the source of those funds.

3.2.4 Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds £3,000.00 (including any fee) to a Latin-American country, you will be required to provide RIA with an original form of valid ID, an explanation of the source of those funds and proof of the source of those funds.

4 Foreign Exchange

4.1 You may request that the Correspondent provides you with information on the currency or currencies available in the Beneficiary’s country.

4.2 In addition to the transaction fee applicable to the transaction where you request a currency conversion, RIA will apply a currency exchange rate (the “Exchange Rate”) to convert the Transfer to the currency of the destination country as set out on the front of the Form.


4.3 Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by RIA will be kept by RIA and/or its Correspondents.


4.4 If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.

5 Refund Information


5.1 Unless payment to the Beneficiary has already been made, RIA shall, within 15 Business Days, refund to you the amount to be transferred less applicable fees and service charges on the condition that you provide RIA a copy of a valid receipt and present valid ID. 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 Liability
6.1 If an incorrectly executed transaction is made you must inform RIA on becoming aware of such a transaction and no later than 13 months after the date of the transaction otherwise RIA will not correct the transaction unless the information about the transaction was not provided or made available by RIA as required by law. You can inform RIA through its Customer Services whose contact details are set out in Clause 13.


6.2 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 transaction. However, RIA will make all reasonable efforts to recover the Transfer. RIA may charge you for the recovery of the Transfer.

6.3 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 fees paid by you. RIA accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its 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.

6.4 Nothing in this Clause 6 will limit RIA’s liability for: (i) death or personal injury from its negligence; or (ii) fraud committed by RIA.

7 Data Protection


7.1 RIA will use the information provided by you to provide you with the Service and to manage its ongoing relationship with you. Consistent with this purpose RIA may transfer and store your personal information outside the EEA. RIA may share this information with its affiliated companies and the Correspondents but will not share it with a third party except as required by law or as authorised by you. You have a right to request a copy of personal information that RIA holds about you and to require RIA correct any inaccuracies in that information.

8 Complaints


8.1 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 13.

8.2 If RIA is unable to resolve your complaint you may also complain to the Financial Ombudsman Services by post addressing your complaint to the Financial Ombudsman Services, South Quay Plaza, 183 Marsh Wall, London E14 9SR, by telephone on 0845 080 1800 or by email at enquires@financial-ombudsman.org.uk. The Financial Ombudsman Service’s website is www.financial-ombudsman.org.uk. Please note that the Financial Ombudsman Service has a multilingual capability for dealing with complaints.


9 Entire Agreement


9.1 Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.


9.2 You agree that that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and RIA and supersedes and terminates any prior agreement between you and RIA.


10 Rights of Third Parties


10.1 A person who is not a party to the agreement will not have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of the agreement.


11 Severability


11.1 In the event any provision (or part provision) of the agreement (whether in the Terms or the T&C) 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.

12 Language, Governing Law & Jurisdiction


12.1 Where RIA provides you with a translation of the English version of the Terms or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by RIA to you.


12.2 The agreement is to be construed in accordance with the law of England and Wales and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the English courts.


13 Contact Us


13.1 RIA’s Customer Services may be contacted by telephone on 0845 600 8537 by post at 75 Baker St, London W1U 6RE or by email at eurocs@riafinancial.com.

 

 “Send Money to India” Prize Draw 2017 Official Rules       

(The “Prize Draw”)

The Prize Draw may be entered by eligible Entrants (see paragraph 2 below) in the United Kingdom and those other countries indicated as relevant to the Prize Draw as set out in the “Legal” section of www.riafinancial.com (each a “Sponsor Country”). Prizes under the Prize Draw will be awarded and available exclusively to a Beneficiary located in India (see paragraph 7).

These Official Rules are final and binding in all matters related to the Prize Draw. Eligibility to enter the Prize Draw and collect a prize is contingent upon the Entrant and Beneficiary fulfilling all requirements set forth in these Official Rules

 

1.                  Sponsors

 

For the United Kingdom: Ria Financial Services Limited, 75 Baker Street, London, W1U 6RE, United Kingdom.

For the full list of Sponsors, please visit the “Legal” section at www.riafinancial.com.

2.                  Eligibility

 

Entry into the Prize Draw is open to natural persons that as of May 23, 2017 are at least eighteen (18) years of age or otherwise the age of majority in the relevant Sponsor Country (“Entrant”) and Beneficiaries (as defined at paragraph 4 below) each of whom must satisfy these Official Rules (including without limitation the “How to Enter” criteria at paragraph 4 below).

 

Employees, officers, and directors of the Sponsors and any of Sponsor’s 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) the Prize Draw.

 

Entry constitutes the Entrant's full and unconditional agreement to these Official Rules.  If an eligible Entrant does not wish to participate in the Prize Draw they should inform the relevant Sponsor or the relevant Sponsor’s agent at the time of requesting their Money Remittance (as defined at paragraph 4 below).

 3.        Prize Draw Period

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”).

 

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: Subject to the other provisions of these Official Rules, Entrants / Beneficiaries satisfying the following criteria will automatically be entered into the Prize Draw: (a) 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”) AND(b) the 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 or Ambay Forex Pvt Ltd or any other company in India as determined by the Sponsors from time to time during the Prize Draw Period (“Authorized Dealers”).  

 

Entrants and Beneficiaries must abide by the Money Remittance terms and conditions of the relevant Sponsor, including the payment of any standard fees and charges associated with a Money Remittance.

 

For the full list of Authorized Dealers, please visit the “Legal” section at www.riafinancial.com.

 

5.      Prizes

Thirty (30) 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”).

Subject to the other provisions of these Official Rules, Entrants shall only be eligible to win one prize per eligible Money Remittance.

6.      Selection of winning Beneficiaries

Subject to paragraph 9, 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) containing all the Beneficiaries of eligible Money Remittances as established in these Official Rules.  Selection of the winning Beneficiaries will be  conducted at random by an independent Public Notary. The chances of winning a prize depend on the total number of Money Remittances sent by Entrants to India and collected by Beneficiaries at an Authorized Dealer within the Prize Draw Period.

7.      Prize awards and restrictions

 

PRIZES SHALL BE AWARDED AND AVAILABLE EXCLUSIVELY TO THE WINNING BENEFICIARIES IN INDIA.  COLLECTION OF A PRIZE BY A BENEFICIARY CONSTITUTES THE BENEFICIARY’S FULL AND UNCONDITIONAL AGREEMENT TO THESE OFFICIAL RULES. 

 

Entrants shall not be entitled to receive a prize. 

 

Prizes may not be substituted, assigned, transferred, or redeemed for cash; however, the Sponsors reserve the right to make equivalent prize substitutions at its sole discretion if any prize (or portion of a prize) becomes unavailable.

 

The Sponsors shall not be responsible for any loss of a prize or portion of a prize after it has been delivered and the Sponsors will not replace any lost or stolen prizes. The ARV of any prize is subject to change and if the actual retail value of a prize is less than the ARV established herein, the Sponsors shall not compensate for the 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.

 

8.      Notification to winning Beneficiaries

 

The unique identification codes of the Money Remittance of the selected Beneficiary winners will be published in the “Legal” section at www.riafinancial.com.

Winning Beneficiaries will be notified via telephone within ten (10) calendar days of the date they were selected and informed of the address for collection of their prize (“Place of Delivery”).  The Place of Delivery shall correspond to the location of the Authorized Dealer where the Beneficiary collected the relevant winning Money Remittance. The Sponsors shall reimburse the Beneficiary all reasonable transportation costs incurred up to a maximum amount of Fifty United States 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 did not provide a telephone number for the winning Beneficiary under the payment instruction of the relevant winning Money Remittance, the Sponsors shall contact the Entrant to obtain the Beneficiary´s telephone number. If an Entrant or their winning Beneficiary cannot be reached via telephone after at least three (3) attempts, or a winning Beneficiary fails to present themselves at the Place of Delivery on or by the date communicated by the Sponsors, the Sponsors will award the prize to an alternate Beneficiary.  Such alternate Beneficiaries will be selected in descending order from the resulting Money Remittance entries of the relevant raffle (see paragraph 6 above) and following the communication procedure established in these Official Rules.  

Before receiving the prize at the Place of Delivery, winning Beneficiaries shall be subject to verification by Sponsors and shall be responsible for presenting a valid identification document and / or information to the Sponsors satisfaction.  The Sponsors reserve the right to withhold a prize if a winning Beneficiary does not provide such satisfactory verification documentation and / or information.

 

9.      General conditions and limitation of liability

 

The Sponsors reserve the right at any time and without notice to hold void, discontinue, suspend, or amend the Prize Draw / Office Rules including due to events falling out of its control, including without limitation suspected or actual fraud.

 

If a Beneficiary is selected as a winner, the Sponsors reserve the right to subsequently omit or disregard that Beneficiary from any further prizes under this Prize Draw, which may result in additional raffle drawings to select the next winning Beneficiaries in accordance with the procedure for alternate Beneficiaries set out at paragraph 8 above.

 

The Sponsors reserve the right at their sole discretion to disqualify any individual if the Sponsors suspect or find a violation of the Official Rules or the terms and conditions applicable to the relevant 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.   

 

10.  Publicity

Except where prohibited by law, by collecting and accepting a prize a winning Beneficiary grants to the 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, the Beneficiary’s 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

These Official Rules shall be governed by English law and Entrants / Beneficiaries accordingly submit to the jurisdiction of the English courts.

 





 

 (31/7/2017 v.1.1)Terms & Conditions

PLEASE READ CAREFULLY. THIS IS PART OF A LEGALLY BINDING AGREEMENT THAT WILL AFFECT YOUR LEGAL RIGHTS.

 

1        Parties and Agreement

1.1        The agreement (comprising the payment order form (the “Order”) and these terms and conditions (“T&C”)) is between you and Ria Financial Services Limited whose company registration number is 4263192 and whose registered office is situated at 75 Baker Street, London W1U 6RE (“RIA”) (hereinafter “RIA”, “we”, “our”, or “us”). RIA is acting as the agent of Euronet Payment Services Limited (“EPS”) whose company registration number is 6975932 and whose registered office is 6th Floor Watson House, 54 Baker Street, London, W1U 7BU in the United Kingdom of Great Britain and Northern Ireland (the “UK”). EPS is regulated by the Financial Conduct Authority (the “FCA”) of the UK under the Regulations (as defined at clause 1.7 below) as recorded on the FCA register under register number 504630.

1.2        Definitions not provided in these T&C are set out in the Order.

1.3        You agree that your agreement with RIA comprises the Order and these T&C, between you and RIA.

1.4        The Service. RIA will provide you with the RIA money transfer service (a money remittance service) (the “Service”) through its network of authorised representatives (the “Correspondents”) to transfer funds (the “Transfer”) to your chosen recipient (the “Beneficiary”).  You are required to inform the Beneficiary about the Transfer and the relevant details included in the Order.

1.5        Charges. The charges and fees you have agreed to pay in relation to the Transfer are set out in the Order.  Please be advised that your Beneficiary’s receiving bank may impose fees on a Transfer, which are the sole responsibility of you or the Beneficiary (as the case may be).

1.6        Full and accurate information.  You confirm that you have provided RIA with full and accurate information to the best of your knowledge as required for the purposes of the Service and / or requested by RIA.  You acknowledge that failure to provide full and accurate information may result in RIA not carrying out the Transfer to the Beneficiary.

1.7        Regulations.  The Payment Services Regulations 2009 (SI 2009 No. 209).

 

2        Transfer Information

2.1        The Transfer will normally be paid to a Beneficiary in cash but may, if so requested by you and where available, be paid to a Beneficiary’s bank account (an “Account”). 

2.2        A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent’s location. The address and hours of operation of Correspondents locations in your or the Beneficiary’s area are available from RIA Customer Services (contact details are set out in Clause 12).    However, Transfers may be subject to delay due to availability of funds at the relevant Correspondent location, conditions in the Beneficiary’s destination country or regulatory requirements.  RIA makes no representation as to when the Transfer will be available for collection by the Beneficiary, except to the extent set out in Clause 6.

2.3        If you have requested delivery to an Account, RIA makes no representation as to when the bank maintaining the Account will credit the Account with the funds comprising the Transfer, except to the extent set out in Clause 6.

2.4        Any requests for Transfers received by a Correspondent at or after 15:00 GMT on a Business Day will be treated as requests received on the next Business Day. For the purposes of these T&C, a “Business Day” is a day on which the Correspondent providing the Service to you is open for business excluding weekends and bank holidays. 

2.5        The Transfer does not constitute a deposit or electronic money.  Neither you nor the Beneficiary holds a payment account with RIA.

2.6        We may refuse to perform a Transfer at any time for any reason. Where we refuse to perform a Transfer, unless it is unlawful for us to do so, we will tell you, and if possible we will let you know our reasons for our refusal and if the refusal is due to any factual errors, we will tell you what these are and how to correct them. We will have no liability to you for failure to perform or incorrect performance of a Transfer where the reason for this was our refusal to proceed with that Transfer or any part of it.

2.7        Our total liability to you in connection with a Transfer is limited to the full amount of the Transfer together with any charges for which you may be responsible and any interest which you may be required to pay as a consequence of any non-performance or incorrect performance by us of the Transfer.

 

3        Identification

3.1        You may be required to present valid identification (“ID”) in order to receive the Services from RIA and complete a Transfer.  From time to time, RIA may require you to present updated and/or further documentation and/or information in order to receive the Services from RIA and complete a Transfer and enable RIA to complete its anti-money laundering and compliance process. Failure to provide such information as RIA may from time to time require from you (acting reasonably) and in all cases to RIA’s reasonable satisfaction may result in RIA not supplying the Services or carrying out the Transfer(s).

 

4        Foreign Exchange

4.1        You may request that the Correspondent provides you with information on the currency/currencies available in the Beneficiary’s destination country.

4.2        In addition to the RIA fees applicable to the Transfer, where you request a currency conversion RIA will apply a currency exchange rate (the “Exchange Rate”) to convert the funds comprising the Transfer to the currency of the Beneficiary’s destination country as set out on the Order. 

4.3        Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by RIA will be kept by RIA and/or its Correspondents. 

4.4        If at the time of collection of the Transfer the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you and stated on the Order, the Correspondent may charge an additional fee. This exchange is a separate transaction under separate terms between the Beneficiary and the Correspondent and does not form part of the Service or your agreement with RIA.

 

5        Refund/cancellation information

5.1        If you wish to cancel a Transfer, you must contact RIA or the RIA agent location where you placed the Transfer.  Following such a cancellation request, and unless payment to the Beneficiary has already been made (whether in cash or to an Account) RIA shall, within 15 Business Days, refund to you the amount to be transferred pursuant to the Transfer and the fee for the Transfer less applicable fees and service charges related to the cancellation (if any) on the condition that you provide RIA with a copy of (i) the valid Order and (ii) present and valid ID. An Order shall only be valid if 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. A Transfer may not be cancelled or refunded to you once the funds have been paid to the Beneficiary.

5.2        If a Transfer is not paid to a Beneficiary within 21 or 30 days (depending on the relevant RIA Correspondent involved in the Transfer), RIA will automatically cancel the Transfer and notify you accordingly.  Thereafter, the funds comprising the Transfer will not be available for collection by the Beneficiary and will be held by RIA on trust and you should contact RIA to arrange collection.

 

6        Transfers and the payment services regulations

This clause 6 (and its sub-clauses) explains certain important rights and obligations, including our liability to you, under the Regulations which apply to any Transfer governed by the Regulations which you ask us to perform for you. A Transfer will be governed by the Regulations where the Beneficiary is located within the European Economic Area (“EEA”) and it is carried out in either euro, sterling or a currency of another EEA state that has not adopted the euro as its currency. The EEA comprises all member states of the European Union, together with Norway, Iceland and Lichtenstein.

6.1        Failure to perform or incorrect performance of a Transfer

6.1.1     We may be liable to you under the Regulations where we fail to perform or incorrectly perform any Transfer that you authorised us to perform.

6.1.2     Where you believe we may have failed to perform or incorrectly performed such a Transfer, you should let us know as soon as possible and, if you request, we will make immediate efforts to investigate the matter and let you know the outcome of our investigation.

6.1.3     Subject to clauses 2.7 and 6.1.4, where we have failed to perform or incorrectly performed such a Transfer, we will without undue delay make good and correct the error and deliver the amount of the unperformed or incorrectly performed Transfer.

6.1.4     You will not be entitled to the remedy mentioned in clause 6.1.3:

(a)        if you do not inform us by notice in writing without undue delay (and in any event not later than 13 months after the date on which the incorrect Transfer was performed) on your becoming aware that failure by us to perform a Transfer authorised by you or incorrect performance by us of a Transfer authorised by you may have occurred; or

(b)        where we are able to show that the authorised amount was received at the appropriate time by the person to whom you instructed us to send the funds; or

(c)        if the failure to perform or incorrect performance was due to you providing us with incomplete or incorrect information or was otherwise due to your fault.

6.2        Where a Transfer is governed by the Regulations, RIA will ensure that, at the latest, a Transfer paid as cash will be available for collection by the Beneficiary or a Transfer to an Account will be credited to the bank maintaining that Account, by the end of the second Business Day after the date of the Transfer.

 

7        Data Protection/RIA SMS Service

7.1        You agree that:  

(i)          RIA may use information provided by you (for example, your name, address, e-mail address, telephone number, occupation, date of birth, and details of the Transfer (including the purpose) and Beneficiary) to provide you with the Service, for RIA’s internal research and customer analysis and for RIA’s legal, compliance and/or regulatory requirements and objectives. This may be for example to conduct compliance transaction analysis and monitoring (RIA may hold and use that information to review transactions which are placed "on hold" as a result of RIA's compliance filters being triggered and that information may be passed to and reviewed by a third party as a result of those filters being triggered);

(ii)         If you have consented and you have not withdrawn your consent in accordance with clauses 7.2 or 7.3, RIA may use information provided by you to contact you in relation to our services and offers that we think are of interest to you;

(iii)        RIA may provide the information provided by you to affiliated companies, Correspondents and/or third parties for the purposes set out in (i), which may involve transfer and/or storage of your information outside the EEA. For example, RIA may transfer the information provided by you: (a) to the destination territory of the Beneficiary via the RIA system to facilitate the Transfer and such information may be viewed and otherwise processed by the Correspondent to facilitate the Transfer; and (b) to RIA affiliate storage databases in the United States of America; and

(iv)        in accordance with RIA’s data retention policy information provided by you and held by RIA may be held by RIA for five (5) years. 

Further details of how we process information provided by you in relation to the Service, are available at www.riafinancial.com.

 

7.2        You may exercise your rights in relation to your information and withdraw your consents to contact you by email at any time by contacting RIA’s Compliance Department at: 75 Baker Street, London, W1U 6RE.

7.3        Once you have authorised RIA to contact you through the RIA SMS service, this will remain active unless deactivated by you.  RIA may use the SMS Service to notify you of details related to the Service and the Transfer and/or for marketing purposes (for example details of our services that we think are of interest to you). You will be solely responsible for any third party charges in relation to the RIA SMS service. To deactivate the RIA SMS service, please contact the location where you registered for the RIA SMS service or email (enclosing a copy of your ID) or telephone RIA Customer Services.

7.4        You confirm that you have requisite authority to give RIA the personal data (for example, name, address and bank account details) of the Beneficiary to enable RIA to facilitate the Transfer. This will include RIA giving this information to the relevant Correspondent (who may be located outside the EEA) for the purposes of the Transfer.

 

8        Complaints

8.1        We value all our customers and take our obligations seriously. We have established internal procedures for investigating any complaint that may be made against us in relation to any Transfer. In accordance with our complaints procedure, any complaint you may make relating to any Transfer must be made or confirmed to us in writing to RIA’s Compliance Department at 75 Baker Street, London W1U 6RE. If you are still dissatisfied following our response to any complaint, you may have a right to refer your complaint concerning the Transfer to the Financial Ombudsman Service (www.financial-ombudsman.org.uk), post: Financial Ombudsman Services, Exchange Tower, London, E14 9SR; telephone: 0800 023 4567; email: complaint.info@financial-ombudsman.org.uk. If you would like further details of our complaints policy relating to Transfers please contact RIA’s Customer Services.

 

9        Rights of Third Parties

9.1        A person who is not a party to the agreement will not have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of the agreement.

 

10      Severability

10.1      In the event any provision (or part provision) of the agreement (whether in the Order or these T&C) 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.

 

11      Language, Governing Law & Jurisdiction

11.1      Where RIA provides you with a translation of the English version of the Order or these T&C, you agree that the translation is only for your convenience.  The English version of the Order and these T&C are the authoritative versions and will govern the provision of the Service by RIA to you.

11.2      The agreement is to be construed in accordance with the law of England and Wales and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the English courts.

 

12      Contact Us

12.1      RIA Customer Services contact details are: telephone: 0845 600 8537; post: 75 Baker Street, London W1U 6RE; email: eurocs@riafinancial.com

 
 
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Learn about the opportunities to join our team

Global Offices
and Locations

Get a birds-eye view of our global presence

Our
History

It all started in 1987 - interact with key milestones

Senior Ria
Management

Meet key managers at Ria

About
Euronet

Learn about our parent company

Take a
Guided Tour

Watch a short video on how our money transfer service works

Get a Money
Transfer Estimate

We'd like to show you how competitive, easy and reliable we are. Get an estimate today!

Start a Money
Transfer Today!

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View a list of country-specific phone numbers.

View a list of country-specific phone numbers.

Send us an e-mail.

Use our location finder to search our more than 316,000 agents located around the globe. Or Give us a call and we'll help you find a convenient location for your Ria service needs.

Ria has more than 20,000 locations in the United States

Watch
the Video

Ria has been providing financial services for over 25 years. Watch this short video to learn more about our company and the financial products we offer.

Become
an Agent

Business owners can profit from this opportunity to increase revenues with no up front costs. By becoming a Ria Agent, you'll offer existing customers a valuable service and attract new customers in need of our services. Getting started is easy.

Become a
Correspondent

Ria welcomes the opportunity to establish and maintain correspondent (paying agents) relationships with financial institutions and other business entities in countries where we provide our payment services. We would like to partner with correspondents that value and provide exceptional customer service.

Money
Transfer

Sending global money transfers through Ria and our global network of 316,000+ locations is fast, safe and secure. We guarantee that your family, friends and business partners will receive their funds in a timely manner, with excellent customer service at all of our authorized locations.

Prepaid Debit Card

The smart, safe way to spend your money.

Currency
Exchange

We offer competitive exchange rates for a wide range of currencies and denominations. You can find our currency exchange offices and knowledgeable staff located at convenient locations throughout most major European cities.

Mobile
Top Up

Reload a mobile phone for you, or a relatvie, quickly and economically. Ria works with an extensive network of local, national and international mobile phone service providers.

Bill
Payment

For US Customers, we offer the convenience to pay bills quickly. Ria’s extensive catalogue includes over 3,000 of the largest and most prominent service providers in the US: Dish Network, Direct TV, AT&T, Comcast and many, many more…

Check
Cashing

Ria offers check cashing for most types of checks: Payroll, Government, State, Income Tax Refund, VA Benefits, Welfare, SSI, Traveler’s Checks and many, more.. Our fast service with low fees means more money in your pocket.

Payout at
Euronet ATMs

Ria now offers a fast, easy and affordable way to send money to Poland. Send money to your beneficiary in Poland and they can pick it up at any of Euronet's 1,900 ATM locations.

Ria Services Worldwide

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