RIA Financial Services Ltd - Terms & Conditions


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.




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