Effective Date: September 10, 2026
1. Consent to use Electronic Records, Notices, and Communications
As part of your relationship with Ria Financial Services Puerto Rico, Inc. (“Ria”), you are entitled to receive certain information, such as notices, disclosures, and statements in writing. To help with our efforts to protect the environment and facilitate mobile use of our service, and pursuant to the Puerto Rico Electronic Transactions Act, Act 148-2006, we ask that you give us permission to provide these notices, disclosures, and statements to you electronically; otherwise, we will be required to furnish them to you in paper form.
2. Consent to use Electronic Records and your right to withdraw consent
To the extent permitted by law, and pursuant to the Puerto Rico Electronic Transactions Act, Act 148-2006, you consent to receive in electronic form all the disclosures we would otherwise be required to provide to you in paper form, including those listed below. Your consent will remain in effect until you withdraw it. You may withdraw your consent to receive further notices or disclosures electronically at any time through the Application, or by contacting us toll-free at 1-877-772-0018 at no charge and providing your name and mobile phone number or email address and telling us you are withdrawing your consent. If you withdraw your consent to receive electronic notices, your account will be closed.
3. Your Consent Covers the Following Documents
Your consent applies to all of the disclosures we would otherwise be required to provide you in paper form, including, but not limited to, receipts for your money transfer transaction and terms and conditions applicable to your money transfer transaction (such as these Terms and Conditions), any updates or changes in those documents, and other informational mailings regarding your transactions or ways to protect your account.
4. You must keep your email or electronic address current with us
To ensure that we are able to provide notices, disclosures and statements to you electronically, you must notify us of any change in your email or other electronic address and any change in your mobile phone number. To update the email address we have on record for you, simply:
On the website, click Profiles and Settings in your Dashboard; on the mobile app, choose “My Account”.
Update your email address, confirm, and submit.
5. Hardware and software you will need
For website:
A computer system that operates on a platform like Windows or Mac environment or better.
A connection to the Internet.
We reserve the right to discontinue support of a current version of the software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for providing to you the service. And we always reserve the right, in our sole discretion, to communicate with you via the U.S. Postal Service.
Chrome 80 or later, Safari 15.4 or later, Firefox 74 or later, Microsoft Edge 80 or later, Opera 67 or later.
A current version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher.
A computer or device and an operating system capable of supporting all the above.
A printer to print out and retain records on paper, or electronic storage if you wish to retain records in an electronic form. You should retain a copy of all the notices, disclosures and statements we sent to you electronically.
For mobile app:
A mobile device that operates on Android 8+ or iOS minus one.
You must be signed into the current version of the mobile application on your mobile device.
By “current version,” we mean a version of the software that is currently being supported by its publisher.
We reserve the right to discontinue support of a current version of the software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account. And we always reserve the right, in our sole discretion, to communicate with you via the U.S. Postal Service.
Please indicate your consent to receive and use electronic records, communications, and notices by checking the “I consent to receive my agreements and disclosures electronically” box. By providing your consent, you are also confirming that you have the hardware and software described above, that you can receive and review electronic records, and that you have an active email account. You are also confirming that you have read and understand this consent to use electronic records, communications, notices, and signatures, and that you are authorized to, and do, consent on behalf of all the other co-owners of your account.
You have the right to request a paper copy of any electronic document we have provided to you. To request a paper copy, contact us toll-free at 1-877-772-0018. Paper copies will be provided at no charge.
Application users, please print and keep this page for your records.
Ria Financial Services Puerto Rico, Inc.
Licensed by the Oficina del Comisionado de Instituciones Financieras (OCIF), License Number TM-031 and NMLS ID 1686588