TERMS AND CONDITIONS FOR MONEY TRANSFER SERVICE

RIA MONEY TRANSFER PANAMA S. DE R.L.

RIA MONEY TRANSFER PANAMA S. DE R.L. (“RIA”) is a money transfer company authorized by the Ministry of Commerce and Industries to provide money transfer services. Through these services, customers send funds to beneficiaries and/or receive funds from sender(s) located abroad or in the Republic of Panama.

RIA, directly and through its affiliates, has an international network for (i) processing money transfer transactions (the “Payment Network”) and has the capacity to provide processing services and (ii) arrange payment and distribution of money transfers through said Payment Network.

These Terms and Conditions for the Money Transfer Service describe the conditions under which you can access the services offered by RIA through the various payment methods and access information about your Money Transfers.

By completing and consenting to the information required to make a money transfer, you agree to these Terms and Conditions, which are available on our website and at RIA customer service points, including those of our sub-agents. Do not use any of our services if you do not agree to these Terms and Conditions. These Terms and Conditions constitute a legally binding agreement, and it is important that you take the time to read them carefully. SINCE YOUR ACTIONS INITIATING A MONEY TRANSFER ARE CONSIDERED A ONE-TIME TRANSACTION, YOU WILL BE REQUIRED TO ACCEPT THE APPLICABLE VERSION OF OUR TERMS AND CONDITIONS EACH TIME YOU EXECUTE A NEW MONEY TRANSFER.

1. DEFINITIONS

Terms used in capital letters in these Terms and Conditions shall have the meanings assigned below:

“Affiliate” means any corporation, partnership, limited liability company, or other organization or entity that controls, is controlled by, or is under common control with a party or its successor in law.

“Beneficiary” means the ultimate beneficiary customer who receives the Money Transfer and to whom RIA, directly or through its Network of Sub-agents or correspondents, will pay the funds.

“Customer” means the person or business entity that uses the Payment Services and Money Transfer Services from Panama offered by RIA, regardless of whether they are the originator or the beneficiary.

“Control” means ownership or control of more than fifty percent (50%) of any class of voting securities (or other proprietary interests), stock, or similar interests of such organization or entity, or the direct or indirect possession of the power to direct or influence the management or policies of the organization or entity, whether through ownership of stock or other equity interests, by contract, or otherwise.

“Business Entity” means a commercial or civil partnership of any kind, sole proprietorship, trust, non-profit entity, incorporated or unincorporated association, foundation, corporation, joint venture, governmental authority, or any other type of legal entity or person.

“Applicable Laws” means, collectively, with respect to any Person or Business Entity and its assets, any law, treaty, regulation, rule, ordinance, statute, decree, decree, agreement, circular, or any order, ruling, or judicial or arbitral decision applicable to such Person or Business Entity or its assets, including Anti-Money Laundering Laws and Data Protection Laws.

“Anti-Money Laundering Laws” means all laws, rules, and regulations of any jurisdiction applicable to any of the Parties concerning or related to money laundering, the financing of terrorism, and the financing of the proliferation of weapons of mass destruction.

“Data Protection Laws” means Law No. 81 of 2019 and Executive Decree No. 285 of 2021 and other applicable data protection regulations in Panama.

“Money Transfer Amount” means the amount of funds received from a Sender in a Money Transfer for payment to a Beneficiary.

“Sender” means the sending client who initiates a Money Transfer to transfer the Money Transfer Amount to the Beneficiary.

“Person” means a natural person.

“Receipt” means the supporting documentation for a Money Transfer that demonstrates the provision of the Services that RIA provides directly, or through its Network of Sub-agents or correspondents, to the Sender or the Beneficiary.

“AML/CFT Manual” means the Anti-Money Laundering and Counter-Terrorist Financing Risk Prevention Manual that RIA implemented in accordance with applicable laws in Panama to prevent money laundering, terrorist financing, and the proliferation of weapons of mass destruction (“AML/CFT/WMD”).

“Payment Services” means the services provided by RIA directly or through its Sub-Agent Network, consisting of paying the Beneficiaries in Panama the funds from Money Transfers, in accordance with the instructions received from the Originator.

“Transfer Services from Panama” means the services provided by RIA directly or through its Sub-Agent Network, consisting of receiving the Money Transfer Amounts from Originators in Panama, in accordance with the instructions received from the Originator, to pay the equivalent of said funds in any currency other than the local currency, to the Beneficiaries located anywhere in the world where the Payment Network is present and operating.

“Services” collectively means the Payment Services and the Transfer Services from Panama.

“Sub-agents” means the various service points where you can access RIA's Services.

“Fee” means the fee that RIA charges the Originator of a Money Transfer as consideration for its Services.

“Terms and Conditions” or “T&C” means the conditions set forth in this document that describe the conditions under which you may access the Services offered by RIA.

“Money Transfer” means a transaction by which funds and payment instructions are received from an Originator and transmitted to pay the equivalent of those funds to the Beneficiary in accordance with the Originator’s payment instructions.

“You” means interchangeably Ordering Party or Beneficiary of RIA Services, who in order to access the Services must be over 18 years of age.

2. SERVICE DESCRIPTION

RIA has the ability to initiate Money Transfers at the instruction of its Customers, to be paid to recipients located in various countries around the world where its Payment Network is operational. To use our Services, you will be required to provide the necessary information to verify your identity, as well as the information necessary to complete the Money Transfer in accordance with Applicable Laws. Information and verification of the Beneficiary may also be required. When required by Applicable Laws, Money Transfers will be reported to government authorities. Unless explicitly stated otherwise, any new features that enhance the current Service will be subject to these Terms and Conditions.

Payment Services

RIA, directly and/or through its network of sub-agents or correspondents, provides its Customers with the Money Transfer Payment Service, which involves receiving funds and payment instructions from an Originator located anywhere in the world where the Payment Network is present and operating, and transmitting them to pay the equivalent of the Money Transfer Amount in local currency to the Beneficiary, in accordance with said payment instructions.

When you present yourself to collect a Money Transfer, to initiate the Payment Service, RIA verifies and validates the order in its system according to the order number and country of origin indicated by the Beneficiary. To collect a Money Transfer, at least the following documentation and information will be required:

• Order Number ("PIN").

• Presentation of the original, valid, and current identification document in Panama according to the following classification:

• Panamanian citizens: Original National Identity Card. • Non-resident foreigners: Original, valid passport with an entry stamp to the country no older than 90 calendar days.

• Confirmation of the payer's name.

• City and country of origin of the payer.

• Authorization for the processing of your personal data for the provision of Payment Services.

• Account opening form, if applicable.

• Any other information requested in accordance with our internal customer due diligence policies.

Money Transfer Services from Panama

RIA, directly or through its network of sub-agents, provides its customers with money transfer services from Panama in local currency, which consist of (i) receiving and transmitting payment instructions from senders in Panama and (ii) executing these payment instructions to pay the equivalent of the money transfer amounts in foreign currency to beneficiaries located anywhere in the world where the payment network is present and operating. The money transfer service from Panama provided by RIA also allows for transfers originating within Panamanian territory and destined for a beneficiary located within Panamanian territory.

Requirements: At a minimum, to access money transfer services from Panama, RIA will request the following information and documentation:

• Presentation of the original, valid, and current identification document in Panama according to the following classification:

o Panamanian citizens: Original National Identity Card.

o Non-resident foreigners: Original, valid passport with an entry stamp no older than 90 calendar days.

• Confirmation of the Beneficiary's name.

• When applicable, the Beneficiary's address, telephone number, city, and country.

• Authorization for the processing of your personal data for the provision of money transfer services from Panama.

• Account opening form, if applicable.

• Any other information requested in accordance with our internal customer due diligence policies.

Each service constitutes a separate agreement between RIA and the Customer, which is limited to the execution of a specific money transfer. At no time shall it be understood that a framework agreement exists between you and RIA that obligates us to execute individual or subsequent Money Transfers.

Subject to legal or regulatory requirements, RIA undertakes to make the Money Transfer Amounts available for collection by the Beneficiary no later than the end of the business day following the business day on which the Money Transfer Amounts were received.

The time of receipt of a Money Transfer order shall be the time at which RIA, directly or through its Payment Network, receives the Money Transfer Amount from the Sender. If the time of receipt is not a business day for RIA or for the Sub-agent or correspondent network, the order will be considered received on the next business day.

The execution of Money Transfer orders will take place when the Sender has made sufficient funds available to RIA or one of its affiliated companies, or its Sub-agent or correspondent network, as applicable.

RIA will endeavor to ensure that the Money Transfer is paid to the Beneficiary no later than the end of the business day following the day on which the payment order was received. However, due to circumstances beyond RIA's control, including exchange control or anti-money laundering regulations in the destination countries of the Money Transfer (including Panama), transfers to certain countries may experience additional delays or cancellation of the order.

Payment Methods

RIA offers various payment methods through which you can access Payment Services, according to the instructions provided by the Sender:

Cash Payment: Through our network of sub-agents, you can find the payment point closest to your location to complete your payment order.

Bank Deposit: RIA can deposit a payment order directly into the bank account that the Sender provides in the payment instructions.

Mobile Payments to Electronic Wallets: RIA can deposit your payment order directly into the electronic wallet that the Sender provides in the payment instructions.

To initiate Transfer Services from Panama, you can visit any point in our network of sub-agents.

Currencies

All money transfers initiated abroad and destined for Panama will be paid in United States dollars. The Beneficiary will receive the amount specified at the time the payment order is executed by the Sender, as indicated on their receipt.

In Panama, RIA does not act as a currency exchange agent. All services will be provided in United States dollars. Only United States dollars will be accepted for Transfer Services from Panama. The Beneficiary will receive the amount specified at the time the payment order is executed by the Sender, as indicated on their receipt.

Sub-agents

RIA may offer its services through intermediaries or sub-agents. If you access the services through intermediaries or sub-agents, the transactions carried out through them are considered to be carried out with and by RIA, therefore, RIA will be responsible to you for the obligations related to Customer Due Diligence and the prevention of money laundering and terrorist financing.

3. CUSTOMER RESPONSIBILITIES

The Customer is responsible for providing RIA with the following information:

1. Information relating to the Sender and the Beneficiary:

a. Full names.

b. Dates of birth.

c. Nationalities and countries of birth.

d. Identification documents (The original document(s) must be presented, and RIA may retain a photocopy).

e. Information associated with National Identity Cards or Passports: Document numbers; Countries and places of issuance, dates of issuance, expiration dates.

f. Professions, occupations, or trades.

g. Source of funds.

h. Address or residence in Panama.

i. Contact telephone numbers.

j. Email address.

In addition to what is mentioned in the previous paragraph, the following should be considered:

• It is RIA's policy to verify the identity of its Customers for all transactions, regardless of the amount, and prior to the start of any transaction. Therefore, it is mandatory to present one of the documents indicated in subsection d) above.

• The identification document must be original, valid, and current. Photocopies, photos, passwords, or other documents other than those mentioned in subsection d) above will not be accepted. • As part of our Customer Due Diligence policy, Ria may request additional information from the Customer beyond that described in this chapter.

• RIA does not accept transactions conducted on behalf of another person.

• RIA does not accept transactions carried out by or for minors.

The Sender agrees to verify the accuracy and completeness of the data relating to the Money Transfers they order from RIA, especially with regard to the Beneficiary's identification details and the financial terms included in the Receipts. Each order will have a unique identification number (PIN).

When a Money Transfer is executed in accordance with the instructions received from the Sender and recorded on the Receipt, or following the respective instructions, it will be considered correctly executed with respect to the specified Beneficiary. Therefore, if any of the data provided by the Sender is incorrect, RIA will not be liable for the faulty execution of the Money Transfer transaction.

RIA will capture the information from the Customers' identification documents in its system, guaranteeing its integrity, the correct capture of the data, the impossibility of manipulation, and its proper storage and retrieval.

RIA reserves the right to request additional information from its Customers to provide the Money Transfer Service from Panama or Payment Service, and may refuse to carry out a transaction that could pose a risk to RIA or its Affiliates, based on its internal policies and applicable laws.

4. EXCLUSION OF LIABILITY

RIA assumes no liability for:

System or communication failures over which RIA has no control.

Data loss or delays in transmissions resulting from the use of any internet access service provider, or caused by any other software not managed or controlled by RIA.

Errors in the Services caused by incomplete or incorrect information provided to us by you or a third party in the payment instructions.

In the event of any delay, non-delivery, non-payment, or underpayment of a Money Transfer requested by the Customer, the sole and maximum remedy against RIA is the refund of the Money Transfer Amount plus the Fee charged to the Customer. No other action is available to the Sender or the Beneficiary other than the refund indicated above, including, but not limited to, actions for incidental, indirect, special, or consequential damages. RIA will not be liable for damages arising from the provision of the Services subject to these Terms and Conditions and/or due to technical or operational failures due to force majeure or causes beyond its control or changes in Applicable Law. RIA will not be liable for any variation or delay in the Service due to local regulations or force majeure or causes beyond RIA's control.

Furthermore, remember that if you share the PIN, password, payment reference, or code with someone other than your Beneficiary, you run the risk that the money transfer may be collected by someone else, as in some countries, money transfers are paid solely with this PIN. RIA will not be liable for fraud and scam events affecting the Customer that are a consequence of the Customer's lack of care or their decision to act without sufficient information about the Person or Business Entity with whom they interact in the Money Transfer and to whom they send their money. RIA will not be liable for losses or damages arising from errors in the information provided by the Customer, technical failures in third-party systems, force majeure, regulatory authority directives, or breaches attributable to the Sub-agent.

ALWAYS PROTECT YOUR PIN AND NEVER SEND MONEY TO A STRANGER!

5. FINANCIAL CONSUMER PROTECTION

For security reasons, we recommend that you keep the answers to the following questions in mind so that together we can avoid becoming victims of fraud and scams when sending your money:

• What is your relationship with the Beneficiary to whom you will send the Money Transfer?

• Have you met the Beneficiary of the transfer in person?

• Are you sure that the Beneficiary is someone you know?

• Are you buying something or paying for a service? (Internet promotions, job offers, lottery purchases, mystery shopping, vehicle purchases, or computer equipment purchases, among others)

• What is the purpose of the money sent to the Beneficiary?

PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PEOPLE OR BUSINESSES YOU KNOW OR CAN OTHERWISE VERIFY AS TRUSTWORTHY. IF YOU BELIEVE YOU ARE A VICTIM OF FRAUD OR A SCAM, CONTACT US IMMEDIATELY AT 01 800 5185 243 OR BY EMAIL AT CUMPLIMIENTOPANAMA@RIAMONEYTRANSFER.COM AND CONTACT LOCAL LAW ENFORCEMENT AUTHORITIES.

6. STATEMENTS

By accessing our Services through any of the enabled channels, the Customer declares and accepts that:

1. If you are a PEP [1], a family member, or a close associate of a PEP, you will declare your status when accessing any of our Services.

2. That the origin of your funds and the transactions subject to the Services come from legitimate economic activities.

3. That the destination of the funds from the transactions subject to the Services will not correspond to any illicit activity or any of the activities contemplated in the Panamanian Penal Code or other applicable laws.

4. That you will not allow the use of the Service by unidentified third parties nor will you act as an intermediary, agent, or correspondent for another person without the express authorization of RIA.

5. That the Beneficiary who presents themselves to collect the funds from the transaction subject to the Services is the actual owner of the funds, acting on their own behalf and not on behalf of any third party.

The Customer declares that all information provided to RIA is true, complete, and up-to-date. RIA will not be liable for consequences arising from incorrect, false, or incomplete information provided by the Customer.

[1] Politically Exposed Person: A national or foreign individual who is or has been a high-ranking public official in any system of nomenclature and classification of jobs in the national and territorial public administration, when they have assigned or delegated functions of: issuing norms or regulations, general management, formulating institutional policies and adopting plans, programs and projects, direct management of state assets, money or securities, administration of justice or administrative sanctioning powers, and private individuals who are in charge of the management of resources in political movements or parties. The PEP status will be maintained over time during the term of office and for two more years after resignation, dismissal, separation, or termination of the contract that grants the individual the PEP status.

7. APPLICABLE FEES

In providing our Services, you agree to pay a Fee for each Money Transfer executed by RIA. It is understood that the Beneficiary of a Money Transfer is not required to pay any fee to RIA and will only be subject to applicable taxes. The payment of the Fees and, where applicable, expenses related to Money Transfers will be the responsibility of the Sender, and these will be duly detailed in the Receipts provided to you upon execution of the Money Transfer.

If you pay in cash at a RIA location or through the Sub-agent Network, the Fee will be included in the total amount due. The Fee for the Service will be communicated in real time, before the execution of the Money Transfer, for your authorization. The Fees are subject to change from time to time at our sole and absolute discretion and will be published and updated on our website: https://www.riamoneytransfer.com/en-pa/. RIA may modify these general terms and conditions periodically or as necessary or convenient, for example, to comply with changes in Applicable Law or regulatory requirements or due to changes in market conditions, maintaining the updated version on the website indicated above. It is the Customer's responsibility to read the applicable terms and conditions at the time of requesting RIA's Services for each Money Transfer. In addition to the Fees charged by RIA, a Money Transfer may be subject to additional fees or taxes charged by the competent authorities in the jurisdiction where the Money Transfer originates or is paid.

8. PERSONAL DATA PROTECTION AUTHORIZATION

The Client voluntarily, prior, expressly, and informedly authorizes RIA, as the data controller, to process the data provided herein, including your sensitive data, either independently or in association with third parties, for the following purposes: i) to make contact via telephone, instant messaging, and data messages in order to send communications of interest; ii) to provide and collect information about the services provided, as well as information about the location of Sub-Agent Network points near your location; iii) to carry out financial operations or transactions, including the delivery and return of funds; iv) to carry out activities related to the control and prevention of fraud and money laundering/terrorist financing/proliferation financing, including, but not limited to, consultation of restrictive and binding lists, and all information required by the AML/CFT Manual and Applicable Laws; v) to carry out identity verification processes; vi) to consult and confirm your personal information and identity in our own or third-party databases, whether public, private, or domestic; vii) to request additional information; viii) to send, provide, or report information to the competent authorities, when requested or due to regulatory mandates, or in the course of contractual and extra-contractual disputes. To consult all the detailed information about the processing we carry out on your data, you can access RIA's Privacy Notice, which is available here.

Furthermore, you declare that you have been informed of your rights as a data subject. These rights are: (i) the right to know and access (free of charge) the data provided that has been or is being processed; (ii) the right to request the updating and rectification of your personal data; (iii) the right to request proof of authorization; (iv) the right to file complaints with the competent authority; (v) the right to revoke the authorization granted and/or (vi) request the deletion of your data where applicable, and other rights granted to you by Applicable Laws.

The channels for exercising your rights are:

• By telephone at +507 839 2777

Operating hours: Monday to Saturday from 7:00 a.m. to 5:00 p.m. and Sundays from 7:00 a.m. to 4:00 p.m.

• Email: dpo@euronetworldwide.com

Regarding the processing of third-party personal data, and in the event that you provide RIA with personal data of third parties, you declare and guarantee that you have a legal basis and their prior authorization to communicate such personal data to RIA.

Likewise, the Customer accepts and authorizes that the data provided be transmitted to and accessed by all Affiliates that, now or in the future, are part of the Euronet group, which are detailed on the website http://www.euronetworldwide.com/, for the purpose of optimizing the provision of money transfer management services. Finally, the Customer accepts and authorizes that the data provided be used and transferred for advertising and commercial prospecting purposes by the aforementioned Affiliated companies of the group, to send you commercial communications, via postal mail, email or mobile phone, about results, products or services of the group companies, both for maintaining your relationship with them and to inform you about the financial products and services, money transfers and payment methods that are the subject of the group companies' services. If the Customer does not wish to receive or continue receiving these types of communications, they may unsubscribe by changing their preferences, for which they must follow the instructions we provide in our communications.

The personal data of the Customer and the beneficiary will under no circumstances be used for purposes other than those indicated in these Terms and Conditions and in the Privacy Notice without their knowledge and prior authorization. RIA may retain, in physical or digital format, records of money transfers for a minimum period of ten (10) years, in accordance with Panamanian law and internal compliance policies.

9. INFORMATION SECURITY POLICY

RIA's systems have information security measures in place for processes, procedures, services, information systems, and their infrastructure, preserving the confidentiality, integrity, availability, and privacy of the data and information managed within them, and in compliance with the applicable legal framework, with the objective of providing a reliable experience through the secure provision of its Services. However, you must take your own precautions to ensure that you are not exposed to various risks or other forms of threats. RIA is not responsible for any failure in security measures when such failure is due to circumstances beyond our control, force majeure, or an act of God.

10. SOURCE OF FUNDS

In providing our Services, RIA may require the Client to provide a declaration regarding the source of their funds. By accepting these Terms and Conditions, the Client declares and warrants that the funds used in the Services do not originate from illicit activities and are related to the normal course of their business activities, in accordance with Applicable Laws. Likewise, the Client declares and warrants that under no circumstances will they use the Services for activities related to money laundering, terrorist financing, financing the proliferation of weapons of mass destruction, bribery, transnational bribery, fraud, corruption, or any other related activity.

In accordance with RIA's internal policies, additional documentation may be required to support the aforementioned declaration of the source of funds.

RIA reserves the right to report any suspicious information or transactions to the Financial Intelligence Unit (FIU) or other competent authorities, in accordance with Law 23 of 2015 and its current regulations.

11. BLOCKING AND UNBLOCKING

RIA may block the Service when:

1. It receives a garnishment, blocking, or withholding order from a competent authority, as applicable.
2. RIA detects any situation of identity fraud, transactional fraud, or other associated risks.
3. The Customer receives or sends money without being able to justify its origin.
4. The information and supporting documents provided by the Customer are not accurate, truthful, verifiable, or up-to-date, or the Customer refuses to provide the required information.
5. For any other objective reason that, in RIA's judgment or according to applicable regulatory requirements and RIA's internal policies, requires blocking the Service.

12. UNCLAIMED ORDERS

If 30 days have passed since the receipt of funds for Money Transfers without the payment order being paid to the Beneficiary and without the Sender having responded to RIA regarding the return of the funds, RIA will send a notification to the Customer (using the contact information previously provided by the Customer) indicating that from that moment on, it may charge a monthly fee for the service of attempted refunds, the amount of which will not exceed the sum stipulated in the Money Transfer in question. RIA will apply the costs of this service against the funds provided by the Sender for the Money Transfer to compensate RIA for the reasonable costs incurred in connection with RIA's efforts to reimburse the Sender for the funds not yet withdrawn by the Beneficiary, and for the administration of these funds while they are in RIA's possession.

To prevent being used as a means for money laundering, if the number of unclaimed orders from the same Sender exceeds three (3) in a quarter, it will be considered an unusual transaction, and the Sender will be deactivated until they provide valid justification for the recurring failure of the Beneficiary(ies) to collect the funds.

13. PREVENTION OF MONEY LAUNDERING AND TERRORIST FINANCING

By accepting these Terms and Conditions, you confirm that you know, understand, and voluntarily accept the provisions related to Money Laundering Laws and acknowledge that RIA may unilaterally terminate the provision of the Service when:

1. The name of the Beneficiary or the Sender is on a list binding for Panama and/or on a restrictive list, such as the UN list, the OFAC (Office of Foreign Assets Control) list, or the commonly known Clinton List.
2. When a risk of ML/TF/PF (Money Laundering/Terrorist Financing/Proliferation Financing) is identified as a result of the management by RIA's compliance department.

Additionally, you declare the following as a client:

• That the information provided is true and complete.

• That you know the person involved in this transaction.

• That the transaction is carried out on your own behalf and not on behalf of third parties.

14. TERM AND TERMINATION OF SERVICE PROVISION

The provision of RIA's Services is for an indefinite term; however, RIA may terminate the provision of the Services immediately when any of the following objective reasons materialize:

1. When there is improper use of the Service provided by RIA by the Client.

2. When the Client's information cannot be updated according to RIA's internal policies.

3. When the Client's identity verification cannot be carried out due to lack of information or false or inaccurate documentation.

4. When the origin of funds cannot be determined. 5. When any of the situations described in this document in the chapter on preventing money laundering and terrorist financing occur.

6. For any other situations contained in this document or in the applicable laws. In cases where RIA decides not to provide the service for the reasons mentioned above, a notification will be sent to the customer via email, instant messaging, or data message informing them of RIA's decision.

15. ELECTRONIC SIGNATURE

Receipts resulting from any transaction conducted under these Terms and Conditions may be signed, scanned, and transmitted electronically, or through the capture of a handwritten or electronic signature via a third-party electronic signature capture service provider (“Electronic Signature”). Consequently, such signature shall be considered the equivalent of a handwritten signature (by original handwritten signature), and such Electronic Signature shall have the same legal effect and full validity as a handwritten signature.

16. GOVERNING LAW

These Terms and Conditions are governed by the laws of the Republic of Panama.

Any dispute or conflict that arises between you and RIA regarding the use of the Services shall be brought before the ordinary courts of the Republic of Panama and shall be resolved in accordance with the applicable laws of the Republic of Panama, without giving effect to any conflict of laws with other countries or your current state of residence.

If, for any reason, the courts deem any clause or part of these Terms and Conditions unenforceable, the remainder of the general conditions shall retain their binding force and effect and shall continue to apply in full. For all legal and judicial purposes, the place of performance of these conditions is Panama City, Panama, and any dispute arising from their interpretation or application shall be submitted to the ordinary courts of the Republic of Panama.

By using RIA's Money Transfer service, the Customer declares to have read, understood, and expressly accepted these Terms and Conditions, whether by handwritten signature, digital acceptance, or any other valid means under Panamanian law that may be implemented from time to time.