16 October 2024

MYRIA HOLDER CONTRACT & GENERAL TERMS AND CONDITIONS OF USE OF THE “MyRIA” SERVICE

1. Definitions

For the purposes of these General Terms and Conditions, the following terms shall have the meanings defined below:

Client or User or Holder or Subscriber: refers to any user of the MyRia Service.

MyRia Account: refers to the unique electronic money account associated with any Client of the MyRia Service, containing essential information for the identification of the Client and accessible via the MyRia Application on your Mobile Device.

OTP Code: refers to a unique six (6) digit code sent by SMS during enrollment, which allows for the authentication of a mobile number.

Secret Code or PIN Code: refers to the personal, unique four (4) digit secret code chosen by the Client when opening the MyRia Account, allowing access to and use of the MyRia Service.

General Terms: refers to these general terms of service, as they may be amended from time to time at the sole discretion of Ria.

Distributor or Agent: refers to a legal or natural person registered with the Trade and Credit Registry or decentralized financial system, offering a service of distributing electronic money to customers under a contract with the issuing institution.

Electronic Money Distribution: refers to services such as cash withdrawal, loading and reloading in exchange for physical or scriptural currency, payment, and money transfer services linked to electronic money.

Personal Data: refers to your information/data, directly or indirectly collected by RIA for the provision of the MyRia Service, including but not limited to your name, address, and phone number.

Issuance of Electronic Money: refers to the issuance of electronic value units in exchange for funds received.

Electronic Money Institution: refers to any legal person, other than banks, payment financial institutions, and decentralized financial systems, authorized to issue payment instruments in the form of electronic money, and whose activities are limited to:

  • The issuance of electronic money

  • The distribution of electronic money

Issuing Institution: refers to banks, payment financial institutions, duly authorized decentralized financial systems, and electronic money institutions.

F CFA: refers to the Franc of the African Financial Community, the legal monetary unit of UMOA member states.

Force Majeure: refers to a natural disaster/event beyond our control that causes damage or results in prolonged service outages.

Service Unavailability: refers to the period during which the MyRia service is not accessible to perform a Transaction.

Business Day: refers to any day other than (a) Saturday and Sunday; and (b) any other day declared a public holiday by the State.

Transaction Limit: refers to the Transaction limit set in accordance with Transactional limit regulations by the competent authorities.

Merchant: refers to the MyRia network of suppliers offering Goods and/or services where the Holder can pay with their Electronic Money Account, provided they have sufficient UV balance in their Account.

Electronic Money or UV (Value Unit): refers to a monetary value representing a claim on the issuing institution, which is:

i. Stored in electronic form, including magnetic form.

ii. Issued without delay in exchange for the receipt of funds of an amount not less than the monetary value issued.

iii. Accepted as a means of payment by persons other than the issuing institution.

MyRIA: refers to the name or brand of the mobile application through which electronic money is distributed.

ID Document: refers to a national identity card for Senegalese citizens or a passport for foreign nationals.

Top-up: refers to depositing money into the account (subject to regulatory limits) through top-up/payment channels to allow you to use the MyRia Service.

RIA: refers to the entity conducting operations related to the distribution of electronic money through the MyRIA Application, without being an electronic money issuer, as well as various money transfer and payment services.

RIA FINANCIAL SERVICES SENEGAL SA: refers to the primary distributor of electronic money issued by UBA Senegal.

MyRia Service: refers to all products and services offered by RIA through the MyRIA Application, including the various offerings outlined in Article IV herein.

Available Balance: refers to the amount of money credited to your account, which you can use, subject to the Transaction limit.

Sub-distributor: refers to a legal or natural person or decentralized financial system offering a service of distributing electronic money to customers under a contract with the distributor, under the responsibility of the issuer.

SMS: refers to a short message service consisting of a text message sent from one mobile number to another.

Transaction or Operation: refers to operations performed through the MyRia Application and involving the use of one of the service offerings provided through the MyRIA Application.

Money Transfer: refers to the function of the MyRia Account that allows receiving money through the RIA money transfer network or from one MyRia Account to another.

International Transfer: refers to any money transfer coming from outside UEMOA.

Intra-Regional Transfer: refers to any transfer made within the UEMOA zone.

UBA Senegal: refers to the banking institution authorized by BCEAO as the issuer of Electronic Money.

2. Scope of Application

These General Terms and Conditions of Use apply to the electronic money services provided by CES and are intended to define the conditions for accessing and using the MyRIA service by the client.

3. Account Opening Conditions and Use of the MyRIA Service

Opening a MyRIA Account is subject to the client signing the subscription contract below, constituting the complete set of terms for using the services and operating the account.

The MyRIA Account is a strictly personal, individual, and nominative account and must not be transferred to any third party under any circumstances. The holder must not disclose their secret code to third parties, including RIA staff members.

This MyRIA Account may only be opened by individuals residing in Senegal (either Senegalese nationals or foreign nationals) and is intended to store UVs with access via a mobile phone.

The MyRIA Account operates exclusively through the MyRIA Application. Therefore, the Holder must possess the following:

  • A mobile phone number

  • Internet access

  • A sufficient volume of mobile data to use the Account

All of these conditions must be met to optimally open and use a MyRIA Electronic Money Account.

Additionally, we may consider the following:

1. Any holder of a mobile number can open a MyRIA Account and access the services.

2. The user can open their own MyRIA Account by downloading the MyRIA Application and entering their personal information (name, first name, mobile number).

3. This first level of account opening, called a non-unrestricted account, limits the client to a maximum balance of two hundred thousand (200,000) FCFA on a cumulative monthly basis.

4. The user can, if desired, uncap their account directly through the application without the intervention of an agent by submitting a valid identity document or any official document valid for ECOWAS nationals, a valid passport for foreigners outside UEMOA/ECOWAS, along with a selfie for verification, accompanied by a mobile number.

5. This uncapped account will limit the account balance to two million (2,000,000) FCFA and a cumulative monthly deposit and/or top-up limit of ten million (10,000,000) FCFA.

6. The submission of an invalid or expired identification document or incomplete information gives us the right to reject any uncap request at our discretion and maintain a non-uncapped account, which will limit the effective use of the MyRIA services.

7. The client or MyRIA account holder will choose their personal four (4) digit secret code, which will allow them to activate and securely access their account. The client will always have the option to change their secret code at will. This secret code will be requested for each client operation to authenticate the Transaction and its initiator.

8. In the case of account opening or subscription by a non-emancipated minor or incapacitated adults, the Holder must present a valid ID and a valid written authorization from their parents or guardians.

9. The MyRIA Account is opened for an indefinite period, and the user can close their account at their convenience.

10. The Client agrees not to use the MyRIA service to commit any offense or non-compliant Operation under the applicable law.

11. Any Transaction made from the MyRIA account produces an electronic receipt in accordance with regulations. This receipt may be generated as a printable paper version. A confirmation notification in the application will also be sent for each Transaction, containing key information: nature of the operation, recipient, Transaction amount, associated fees, operation status, remaining balance.

4. Service Offerings

The MyRIA Service can be used to create and access the MyRIA Account on your mobile phone. Activating the MyRIA Account allows you to perform the following Operations:

  • Receive and/or make international transfers to the MyRIA Account.

  • Transfer money to another MyRIA Account (P2P).

  • Receive and/or transfer money within the region (ECOWAS) or any other zone authorized by the regulator.

  • Pay for goods and/or services (merchants, e-commerce, top-ups for credit or phone plans, water, electricity, toll card top-ups, etc.).

  • Deposit or withdraw UVs through an authorized agent.

Additionally:

1. The Client or User can load/reload UVs into their MyRIA Account either by receiving an international transfer or through the network of authorized agents in exchange for pre-financed or deposited cash in CFA Francs.

2. Each UV is equivalent to 1 CFA Franc.

3. The balance of the Client's account can never be negative. Therefore, the User can only make Transactions when there is a sufficient balance, including all service fees.

4. Storing these UVs does not generate any interest due to the client and will retain its nominal value for the entire indefinite period of storage in the electronic wallet.

5. The client can fully use their UVs starting from the date the funds are credited to their MyRIA account.

5. Transaction Limits

1. In accordance with Instruction 008-05-2015 governing electronic money activities in the UMOA monetary zone, electronic money holdings by an unverified client with an issuing institution cannot exceed two hundred thousand (200,000) FCFA during the month.

2. The electronic money holdings of a verified client with an issuing institution cannot exceed two million (2,000,000) FCFA. The cumulative recharges in electronic money during a month by the same client cannot exceed ten million (10,000,000) FCFA.

3. Additionally, the Holder, when possessing multiple distinct instruments issued by the Issuer, must ensure that the cumulative balance does not exceed the above-mentioned amounts, under penalty of being held liable.

6. RIA’s Responsibilities

1. RIA will make all reasonable efforts to carry out MyRIA services for the designated Beneficiary according to your instructions. In the event of a poorly executed service due to an error or negligence on the part of RIA, RIA will be required to correct the error or refund the UVs along with any associated fees incurred during the provision of the service.

2. RIA cannot be held responsible for any liability, loss, damage, cost, and/or expense (direct or indirect), or for any loss of income, loss of business, loss of profits, or any consequential or indirect loss, of any kind, resulting from your use and/or misuse of the service, including but not limited to:

a) The hacking of your account and/or the theft of your login and/or security credentials; and/or

b) Any dispute between you and the RIA merchant concerning any aspect of the product, including but not limited to issues related to quality, fitness for use, quantity, or delivery; and/or

c) Resulting from the exercise of RIA’s rights under these General Terms and Conditions, arising from your breach.

1. It is your sole responsibility to make every effort necessary to ensure that your MyRia Application is up to date. You must regularly check the MyRia Application to ensure that you have the most current information about the Service. You must also ensure that you download the latest version of the MyRia Application.

2. You acknowledge that RIA is unable to exercise control over security or issues passing through the telecommunications provider’s network, the MyRia Application, or through the Service, and RIA hereby excludes all liability of any kind for the transmission or reception of infringing matters, of whatever nature.

3. The MyRia mobile Application may contain links to websites, web pages, and applications managed by third parties. RIA accepts no responsibility for the services, and you agree that your use of each website, web page, and service is also subject to the terms and conditions, if any, contained on each website, web page, or attached to any product or service of these third parties. You agree to comply with such terms and to fully indemnify RIA and hold it harmless against any claims arising from your failure to comply with any of those terms.

4. RIA assumes no responsibility and does not endorse, unless expressly stated, the websites and/or products created or published by third parties that are included in the MyRia Application and the MyRIA Service or that may be linked to and from the MyRia Application.

5. You are solely responsible for all consequences of the use or misuse of your account, your login credentials, and/or your security credentials. You are responsible for all losses and payments (including the amount of any Transaction made without your authorization) due to your negligence or fraudulent act. For the purposes of this clause, negligence is deemed to include failure to comply with any of your security obligations set out in these General Terms.

6. You release RIA and will pay all costs, damages, compensation, fees (including reasonable legal fees), and judgments awarded against RIA resulting from the above-mentioned claims. You will provide RIA with notice of these claims, full authority to defend, settle, or resolve these claims, and the necessary reasonable assistance to defend these claims, at your own expense.

7. Notwithstanding any provision to the contrary contained herein, RIA’s maximum liability will not exceed an amount equivalent to the total balance available in your account as of the date your claim arises.

7. Client’s Commitments and Obligations

The client agrees to:

1. Pay service fees in accordance with the applicable pricing.

2. Ensure the security of their mobile device. RIA is not responsible for any loss or damage you may suffer, including but not limited to financial and/or information loss.

3. Use the Service in good faith and comply with the General Terms, all applicable laws and regulations, and any regulations, notices, instructions, or guidelines issued thereunder by the competent authorities and regulatory bodies, and/or any notice, instruction, guideline, or directive issued by RIA regarding the Service, which may be amended from time to time.

4. Take all reasonable measures to prevent fraudulent, inappropriate, or illegal use of the account and/or service, as well as theft or loss of your mobile device, and immediately inform the customer service team in case of discovery of such fraud, inappropriate or illegal use, theft, loss, or any other illegal acts. If RIA requires it, you must file a police report and provide RIA with a certified copy of this report.

The client agrees not to:

5. Hack, access, tamper with, violate, or circumvent the authentication or security of any host, network, or account in RIA’s computer systems or its provider’s, or interfere with the service provided to a user, host, or network, including but not limited to sending a virus.

6. Use the MyRia Service for purposes contrary to public interest, public order, or national harmony, or for illegal purposes, including but not limited to vice, gambling, or other criminal purposes, or transmit content offensive for moral, religious, community, or political reasons, or content that is abusive, defamatory, or indecent, obscene, or threatening, or in any way likely to lead to complaints, disputes, penalties, or liabilities for RIA.

You acknowledge that the MyRia Service is and will remain at all times the property of RIA and you agree to:

7. Exercise due care and diligence in the use and maintenance of the account and service, and not tamper with or allow anyone to tamper with the mobile device, account, and/or service (including but not limited to software and data recorded in the MyRia Application) in any way. Data tampering may constitute a criminal offense and RIA will not honor any Transaction or benefit if your account and/or mobile payment has been tampered with. RIA has the right to recover all reasonable costs, expenses, losses, and damages it has suffered or incurred (including all reasonable legal fees) as a result of you tampering with or interfering with or allowing a third party to tamper with or interfere with your account and/or mobile payment data.

8. Service Pricing Conditions

1. All tariffs are available and displayed at all distribution points, as well as on our website and the MyRIA mobile application.

2. Prices are inclusive of all taxes and fully paid by the client.

3. The fees due by the client during a service provision in the MyRIA application will be subject to an automatic deduction or debit by RIA of the equivalent in UVs to cover the Operation.

9. Procedures and Deadlines for Disputes in Case of Theft, Loss, or Tampering

1. The client must never allow a third party to use their account. They will never be required to provide their secret code to access their balance or the account functionalities.

2. In case of loss or theft of the mobile phone or even the secret code or similar cases, the client must immediately notify RIA Customer Service to take the necessary steps (blocking and resetting the secret code).

3. RIA will not be held responsible for the consequences resulting from the fraudulent use of the account before it is blocked or before the secret code is reset.

4. The user is responsible for keeping their secret code secure, using their mobile phone responsibly, and for all Transactions made on their MyRIA account.

10. Conditions and Procedures for Managing Claims (Refunds, Disputes)

1. The client may contact MyRIA Customer Service for any type of inquiry, including error resolution, transaction cancellations, information requests regarding the MyRIA product or service, and complaints.

2. For the processing of errors related to a Transaction, you may contact our MyRIA Customer Service as soon as possible by providing the requested information such as (name, contact details, beneficiary name, date, and reason for the transfer) as required by MyRIA operators for the handling of the complaint.

3. The client will be identified in accordance with internal procedures, and RIA will make every effort to handle the request as quickly as possible.

4. If a Beneficiary receives a money transfer or UV from a client in error, RIA TRANSFER will determine whether an error has occurred and will respond to you. If RIA was at fault, you will be entitled to a full refund, or the transfer will be resent at no additional cost. If no error occurred or if RIA was not at fault, you will receive a written notice, including the information RIA reviewed to make this decision.

5. As a general rule, since your designated Beneficiary is paid immediately after processing your mobile money transfer, the cancellation of this transfer and/or a refund of a previously settled mobile money transfer will not be processed, and RIA is under no obligation to honor such a request. If, for an unforeseen reason, your designated Beneficiary has not been paid, you may contact us to cancel your mobile money transfer request for a full refund.

6. It is expressly agreed that RIA shall not be liable for any loss resulting from its inability to cancel or refund a mobile money transfer when no error or fault has been committed by RIA.

7. If your Beneficiary does not have a MyRIA account, they will receive an invitation via SMS to download and install the application.

8. International transfers that remain unclaimed or unused in the MyRIA application for 21 days will automatically be canceled and refunded.

MyRIA Customer Service contact points:

  • Phone: Free call to 200 223 (Monday to Saturday from 8 am to 10 pm; Sunday and public holidays from 9 am to 8 pm)

  • Interactive Chat: Post your message directly via the chat in the application

  • Email: SN_reclamations@riamoneytransfer.com

11. Termination, Suspension, Reactivation of the MyRIA Account

1. RIA is entitled to suspend or immediately terminate your use of the Service (or any part thereof, including any related benefit) and your access to the MyRIA Account, with or without notice, upon the occurrence of any of the following events:

(i) If you violate any laws and/or regulations imposed by a third party, regulatory body, or government agency;

(ii) If you have acted in bad faith or with malicious intent;

(iii) If you have been blacklisted by financial institutions, licensed banks, or electronic money issuers in UEMOA or abroad;

(iv) If the Transaction involves a sanctioned or high-risk country;

(v) If you are on our internal watch lists;

(vi) If your name appears on a regulatory watch list (including, but not limited to, terrorism and terrorism financing lists under anti-money laundering and terrorism financing laws);

(vii) If you are listed as a Specially Designated National (SDN) or appear on other relevant information sources on money laundering and terrorism financing, such as watch lists or databases maintained or provided by national or foreign authorities from time to time, including but not limited to BCEAO, United Nations Security Council resolutions, and the Financial Action Task Force (FATF); and

(viii) If you fail to provide additional information that Ria may request from you from time to time.

2. You may, at any time, terminate the Service by deleting your MyRIA account.

3. If you have a balance available in the MyRIA Account, you have the option to either withdraw all UVs in advance via the network of authorized agents or request RIA to return the due funds. This refund, subject to certain verifications, will be processed within a maximum period of 72 hours without any compensation.

4. If you have no available balance in the MyRIA Account, the Service will be considered terminated immediately after the termination of your MyRIA Account.

5. Any available balance in your MyRIA Account that has not been claimed for a period of ten (10) years will be transferred to the competent authorities, less any applicable fees and charges (if any).

6. In the event of the death of the Client, duly notified to RIA, the deceased’s MyRIA Account will be terminated and closed within 48 hours of the death notification. The UV balance held in this account will be returned to the rightful heirs, subject to the submission of documents and/or identification of the original holder, as well as proof of death and heir status.

7. Transactions made before the notification of death, unless otherwise agreed by the heirs or a local authority, will be considered unauthorized.

8. If the account and/or service has been suspended and you request reactivation, RIA may, at its sole discretion, reactivate the account.

12. Use of Personal Data, Confidentiality, Notification, Electronic Communication, and Data Archiving

Your privacy is very important to us. RIA is committed to complying with all applicable legal provisions on personal data protection in the performance of this Agreement, particularly those relating to Law No. 2008-12 of January 25, 2008, and will not rent, sell, or share your personal data except in accordance with the policy it uses in this regard. RIA receives your information through various websites, mobile applications, and third parties ("Services"). By accepting this Privacy Policy and the Terms of Use, you consent to the collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

1. In accordance with the provisions of Law No. 2008-08 of January 25, 2008, on Electronic Transactions, every client has the right to access, correct, or object to the processing of their data by sending an official letter to RIA at: Rue 09 bis opposite Abdou Aziz SY Dabakh roundabout, Bd de l'Est, Dakar, Senegal.

2. RIA may use this data to send you notifications, promotional information during direct marketing campaigns related to the MyRIA Service via SMS, in-app notifications, or any other electronic means accessible by the mobile number.

3. You also acknowledge and agree to receive SMS notifications and/or MyRIA application notifications regarding the status of a Transaction, which constitutes proof and official documentation from RIA.

4. If any changes to these General Terms require notice, RIA will notify you via SMS or email at the phone number or email address provided when registering for RIA services or the most recently provided phone number or email address, or it will provide a link in an SMS or email where you can view the revised or amended agreement.

5. A record of each transfer payment will be made available to you by RIA through electronic communication via the RIA mobile application.

6. The user must promptly notify RIA of any changes in their marital status, contact details, or residence.

We collect both "non-personal data" and "personal data" to provide and measure the use of our services and improve them over time.

Information collected during registration: When you create or reconfigure an account on our services, you provide personal information, such as your name, email address, phone number, and password. You may modify your personal information. By registering, you authorize us to collect, store, and use this data.

Additionally, the data retention period for holders' data must be at least 10 years in accordance with the regulations.

13. Production of Electronic Receipts

All transactions made by the client must result in the production of an electronic receipt specifying the following:

  • The transaction reference number;

  • The nature of the service;

  • The name of the electronic money issuer;

  • The registration number of the distributor or sub-distributor, if applicable;

  • The identity of the sender or receiver of the transaction, as the case may be;

  • The date, time, amount, transaction fees, and the remaining balance after the transaction.

14. Indemnification

In consideration of RIA's agreement to provide you with the MyRIA Application,

1. you agree to indemnify RIA for any loss, damage, liability, or expense arising from any claim for defamation, invasion of privacy, copyright infringement, patent violation, breach of confidence or privilege, or violation of any law or regulation, arising from the violation of these General Terms, the use of the MyRia Account and service, the content transmitted, received, or stored through the service or any part of it, and any other claims arising from any act or omission on your part or any unauthorized use or exploitation of the service or any part of it.

2. You hereby agree to fully indemnify and hold RIA harmless from any claim brought by a third party resulting from your use of the MyRia Account, the MyRia Service, the MyRia Application, and RIA's website, with respect to all losses, costs, actions, proceedings, claims, damages, expenses (including reasonable legal fees and costs), or liabilities, of whatever nature, incurred directly or indirectly by RIA as a result of such use of the account, the Service, the MyRia Application, and RIA's website, and/or your violation or non-compliance with any of these General Terms or any general conditions applicable to any new service that RIA may provide from time to time.

3. You will defend and pay all costs, damages, indemnities, fees (including reasonable legal fees), and judgments awarded against RIA resulting from the aforementioned claims. You will provide RIA with notice of such claims, full authority to defend, settle, or resolve such claims, as well as the necessary reasonable assistance to defend these claims, at your sole expense.

15. Governing Law and Dispute Resolution

The relationship between RIA and its Clients is governed by the laws in force in Senegal in general, and particularly by the regulations of the West African Monetary Union (UMOA) concerning the exercise of electronic money distribution activities. In the event of a dispute, the parties agree to seek an amicable resolution. Failing an amicable resolution, any dispute or claim will be submitted to the non-exclusive jurisdiction of the courts of Senegal.

General terms and conditions

Promotion — HELLORIA

100% discount on customer fees for the first transactions processed on the Ria Money Transfer Mobile App (“the Offer”)

1. The Supplier 

According to these General Terms and Conditions, Ria Lithuania UAB, registered at 23 Upės Street, Vilnius, Lithuania and holding a payment institution license No. 52 issued by the Bank of Lithuania, is referred to as "  Ria  ".

2. Eligibility

This offer is available to French residents aged at least 18 years at the time of sending a funds transfer via the Ria Money Transfer mobile application (“the App  ”) for the first time after registering as a new customer of the App and meeting the requirements of the “Offer Criteria” set out in Article 4 below (“  New Customer  ”).

The offer is not intended for Ria agents.

3. The Offer

Ria will apply a 100% (one hundred percent) discount on the fees charged (“  Customer Fees  ”) on the first funds transfer processed by a New Customer on the App, provided that the requirements of the “Offer Criteria” set out in Article 4 below are met.

The offer applies only to the money transfer service.

4. Offer criteria

This Offer will apply exclusively to the first funds transfer initiated by a New Customer within the Offer Period (as defined in Article 5 below), provided that the New Customer mentions the promotional code “HELLORIA” when the order for the first funds transfer is placed on the App.

For clarity, each new customer can only use the promotional code once, on their first money transfer transaction through the app. This promotional code cannot be combined with any other Ria promo code, promotion, or discount. 

New customers are deemed to have accepted and agreed to these Terms and Conditions upon completing the Ria funds transfer transaction on the App to a designated beneficiary. Participation in this Offer is voluntary and subject to strict compliance by New customers with these Terms and Conditions and the terms and conditions applicable to the relevant Ria funds transfer, which are provided separately and must be accepted by the New customer.

5. Offer duration

The Offer begins on December 1, 2021 at 0:00 and ends on December 31, 2024 at 23:59 (“  Offer Period  ”).

6. General Conditions

This Offer cannot be substituted, assigned, or transferred by the New Customer.

Ria reserves the right at any time and without prior notice to suspend or modify the Offer and/or these General Terms and Conditions due to events beyond its control (e.g. in the event of suspected or actual fraud).

Ria reserves the right at its sole discretion to withdraw this Offer if it has reasonable grounds to suspect or discovers a breach of these Terms and Conditions or the terms and conditions applicable to the Ria money transfer service. 

Ria disclaims all liability for any inaccurate information received from a New Customer, any delay in the availability of a Ria funds transfer to a designated beneficiary, or any suspension or cancellation of a Ria funds transfer in accordance with Ria's terms and conditions and/or the laws and regulations applicable to the Ria funds transfer service.  

To the extent permitted by law, Ria will in no event be liable or responsible for compensating the New Customer or assuming liability for any loss, damage, personal injury or fatality resulting from the perception or acceptance of the Offer, except in cases of negligence on the part of Ria or its employees. 

7. Applicable Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with Belgian law. The New Client irrevocably accepts the exclusive jurisdiction of the courts of France to settle any dispute or claim arising out of or in connection with these Terms and Conditions.

General terms and conditions: Ria Referral Program Invite a friend!

Preamble

RIA LITHUANIA UAB, located at Upes st. 23, 08128, Vilnius, Lithuania (“RIA”) may occasionally offer users of its money transfer services the opportunity to sponsor someone to try these services.

The purpose of these General Terms and Conditions is to set out the rules governing the organization and operation of the "Invite a Friend" Referral Program (including the use of the Application).

By participating in the Referral Program, Users expressly accept the Terms and Conditions and agree to use the Referral Program in accordance with them. Any User who does not accept the Terms and Conditions will not be able to participate in the Referral Program.

Article I. Definitions

Terms beginning with a capital letter in the General Terms and Conditions have the meanings given to them below, it being specified that terms defined in the singular must also be understood in the plural and vice versa:

"Application": refers to the Ria application, required to use the Referral Program, which can be downloaded from  https://www.riamoneytransfer.com/mobile-app/

“Recommended Client”: refers to an individual who is recommended the Services by a User/Sponsor.

“Referral Code”: refers to the unique Referral Code associated with the Referrer, which he must communicate to a Referred Client before he uses the Services.

“Account”: refers to the account opened by the Sponsor for the purposes of the Referral Program.

“Content” means all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, illustrations and computer code, including the design, structure, selection, coordination, expression, appearance and usability, presentation and arrangement or computer code appearing on the digital platforms, the Application or any other media of the Referral Program.

“Credit” means the credits received by the Sponsor when he makes a Qualified Sponsorship as defined in Article 3.05.

"General Terms and Conditions" means these general terms and conditions governing the operation and use of the Referral Program.

“Sponsor”: refers to a User who meets the eligibility conditions mentioned in Article 3.02 and who has made a Sponsorship under the conditions set out in Article 3.03.

“Referral”: refers to recommending the Services to a friend, family member or colleague.

“Qualified Sponsorships”: refers to a Sponsorship that meets the conditions set out in Article 3.04.

“Party”: refers, indifferently, collectively or individually, to a User, a Sponsor or Ria.

“Referral Program”: refers to this referral program as defined in the preamble and governed by the General Terms and Conditions.

"“Reward” means the consideration received by the Sponsor following the recommendation made as defined in article 3.06, when the Sponsorship meets the conditions of a Qualified Sponsorship.

“Services”: refers to the money transfer services offered by Ria as described in the preamble.

"User" refers to any person who has read and expressly accepted the General Terms and Conditions and who has downloaded the Application for the purpose of making a Referral. To avoid any confusion, it is clarified that the User and the Referrer are the same person but are at different stages of the process.

Article II. Interpretation

Unless a contrary intention emerges:

  • The terms and expressions defined in the General Conditions may be used, as needed, in the singular or plural;

  • any reference made, in the General Terms and Conditions or in any other Content or in any other document accessible on the website, to a legal provision, regulation or any other type of binding standard, shall be interpreted as designating that provision as possibly modified or replaced.

Article III. Operation of the Sponsorship Program

A sponsorship process unfolds as follows:

  1. The User downloads the Application and accesses the "Invite friends" section;

  2. The User, if he meets the eligibility conditions, makes a Referral by communicating his Referral Code to a Recommended Client;

  3. Once the Referral meets the conditions to be classified as a Qualified Referral, the user who becomes a Referrer receives a Credit and eventually, a Reward.

Section 3.01 Participation in the Mentorship Program

To participate in the Referral Program, the User must download, go to and follow the steps indicated on the Application.

To access the "Refer a friend" area, the user must log in using their login ID and access their Account.

Users are reminded that they are entirely responsible for maintaining the security and confidentiality of their login credentials and accounts. Users must immediately notify Ria if they believe the confidentiality of their login credentials has been compromised or if they suspect unauthorized use of their accounts. Ria is not liable for any damages or losses arising from the unauthorized use of their login credentials and accounts.

Section 3.02 Eligibility Requirements

To qualify as a Sponsor, the User must first meet all of the following conditions:

  1. To have one's legal residence in France;

  2. Be at least 18 years old.

  3. Having completed a money transfer transaction via the Application

It is specified that at any time, any employee of Ria, one of its subsidiaries, one of its branches or its promotional agencies, as well as members of their household, are not eligible for Sponsorship and the qualification of Sponsor.

Section 3.03 Implementing a Sponsorship

To make a Referral, the User must recommend the Services to a friend, a family member or a colleague by giving them their Referral Code.

When a User recommends La co’s Services to a friend, family member or colleague, they become a Sponsor and receive a Referral Code which allows them to receive Credit and a Reward for each of their Qualified Referrals.

The communication of the Referral Code to a Referred Customer is strictly the responsibility of the Referrer. The Referrer understands that Ria makes the Referral Code available to them alone, and it is their responsibility to communicate it to a Referred Customer.

At all times, a Sponsor agrees to uphold the spirit of the Sponsorship Program. As such, they agree to sponsor only real people with whom they have the aforementioned connection (friend, family member, or colleague). They are prohibited from proposing fictitious individuals. Specifically, they are prohibited from creating fictitious identities, email addresses, or phone numbers. Sponsors may not sponsor themselves.

Section 3.04 Qualified Sponsorships

A sponsorship is considered "qualified" when it meets the following conditions:

  1. The Referred Customer has made a "Paid Money Transfer" with Ria using the Referrer's "Referral Code." For the purposes of this paragraph, a "Paid Money Transfer" is defined as one that has been approved by Ria and received by the recipient.
    Note: If a Referred Customer makes a money transfer through any other link or method, the Referral will not be considered a Qualified Referral as defined in this Article.

  2. The Referred Client must not be registered with Ria through any other email address, phone number, or pseudonym; and

  3. The Recommended Client has their legal residence in France and is at least 18 years old.

Section 3.05 Credits

Credits are only granted for Qualified Sponsorships.

Section 3.06 Obtaining a Reward

For each Qualified Referral, the Referrer will receive one (1) Reward.

The Referrer understands that the nature of the Reward they will receive depends on the current Reward program offered by Ria. To find out the nature of the current Reward program, the Referrer is invited to consult their Account.

Additional terms and conditions, particularly those governing use, may apply to Rewards. The Referrer agrees to review any applicable additional terms and conditions at any time. The nature of the Rewards awarded to Referrers is subject to change without notice from Ria. Section 3.07 Miscellaneous (a) Verification of Qualified Referrals Ria reserves the right to verify, at any time, the legitimacy and eligibility of a Qualified Referral. The Referrer understands and accepts that, for this purpose, Ria may temporarily block the use of a Reward while the verification process is being carried out. In this case, and if the verification reveals no irregularities, Ria undertakes to make the Reward immediately available. If Ria determines that the Qualified Referral is irregular, Ria will inform the Referrer that the Reward will be made unavailable without delay and without further compensation from Ria. The Referrer understands and accepts that Ria may, at its sole discretion, refuse a Referral or the awarding of a Reward if Ria deems the Qualified Referral fraudulent, suspicious, or made in violation of the General Terms and Conditions of this program or service. (b) Non-Transferability and Value of Credits and Rewards: The Referrer is prohibited at all times from transferring, exchanging, bartering, or selling Credits and Rewards. Upon termination of the Referral Program or upon cancellation of a Referrer's Account for any reason whatsoever, any unexchanged Credits and Rewards accumulated by The Referrer's rewards are forfeited. All Rewards are provided as is, and no substitutions are permitted. Article IV. Ownership and Use of Content All Content is the property of RIA or its author and is therefore protected by the attached copyrights or usage licenses. Section 4.01 User's Right of Use Notwithstanding the foregoing, RIA authorizes the User/Referrer to use the Content solely for personal and non-commercial purposes. The use authorized by RIA and set forth in this Article is revocable at any time without notice. RIA reserves the right to take legal action against any User who uses the Content in violation of the aforementioned rights. The User/Referrer agrees to respect any copyright notices that may be included on any Content when using it in any way. Section 4.02 TrademarksRia informs the User/Sponsor that the logos, product and service names, whether registered or not, are or may be trademarks of Ria or may be protected by specific licenses. Without Ria's prior written authorization, the User agrees not to use them in any way whatsoever. Article V. User Declarations and Commitments Without prejudice to any other obligation provided for in the General Terms and Conditions, the User declares: To have read, understood and accepted these General Terms and Conditions without reservation; To be solely responsible for the use of their Account (including their login details); To be solely responsible for obtaining and securing the personal equipment necessary to register on the Application and to log in, including the use of a secure internet connection and a device compatible with the technical parameters of the Application; To understand that access to and use of the Application may be temporarily impossible in the event of malfunctions, particularly technical or IT malfunctions, or in the event of force majeure, which is defined as any unforeseeable, irresistible event whose origin is external to Ria; and to be contacted by Ria via email. Without prejudice to any other obligation set forth in the General Terms and Conditions, the User agrees: To comply with applicable laws and regulations and to act in good faith in their use of the Application, and in particular to refrain from any practice that misuses it for purposes other than those for which it is made available or provided to the User; To use their Account strictly for personal purposes, specifically prohibiting any access to and/or use of the Account by third parties and taking all reasonable precautions to ensure and maintain the confidentiality and security of their login credentials. Article VI. Responsibilities Section 6.01 User/Referrer Responsibilities The User/Referrer is responsible for all commitments set forth in the General Terms and Conditions. Ria shall not be held liable for any breach by the User/Referrer of said commitments. In the event of a breach of any provision of the General Terms and Conditions, including the aforementioned commitments, or more generally, any violation of applicable laws and regulations by a User/Referrer, Ria reserves the right to take any appropriate action, including: Temporarily suspending access to the Application; Unilaterally terminating the General Terms and Conditions; Deleting the Account; and/or Initiating any legal action. Section 6.02 Ria ResponsibilitiesRia undertakes to make its best efforts to ensure the proper functioning of the Application. In the event of technical, IT, and/or any other malfunctions, Ria undertakes to carry out or have carried out the necessary maintenance interventions to restore the proper functioning of the Application within a reasonable timeframe. Ria shall under no circumstances be held liable for: Lost, late, stolen, misdirected, incomplete, illegible, erroneous, dubious, confusing, or incomprehensible communications, regardless of their transmission method, provided that the alleged event is not attributable to Ria; Any injury, loss, or damage arising from the acceptance, possession, or use of a Reward or membership in a Referral Program that was not reasonably foreseeable by Ria; or any typographical, administrative, or technological error in any website, application, or any content associated with the Referral Program. In any event, Ria can never be held liable for damages resulting directly or indirectly from a force majeure event or measures taken by French or foreign authorities. Ria will not be held liable for the inability to provide a Reward if this inability is due to a force majeure event, any legal or regulatory provision, equipment failure, or any other event of any kind beyond the control of the Parties. Article VII. Repeated Email Sending ("Spam") If a Referrer provides their Referral Code to a Referred Customer by email, the email must be created specifically for the Referred Customer. The Referrer agrees not to communicate the Referral Code repeatedly and is prohibited from communicating it if the Referred Customer has objected. The repeated distribution of emails (also known as "Spam") or any other sending of the Referral Code in a manner that constitutes or appears to constitute unsolicited commercial email or "Spam" is expressly prohibited and may, at Ria's sole discretion, constitute grounds for closing the Account, invalidating the Referral Code, making a Credit or Reward unavailable, and/or terminating the General Terms and Conditions. Article VIII. Modification of the General Terms and Conditions Any modification to the General Terms and Conditions is agreed upon between the Parties by making it available at the following link:  https://app.riamoneytransfer.com/fr-sn/app-terms-and-conditionsUnless a different legal, regulatory, or contractual period exists, the revised General Terms and Conditions shall enter into force thirty (30) days after notification initiated by Ria. Article IX. Termination of the General Terms and Conditions. A User/Referrer may, within one month of notification of the new General Terms and Conditions initiated by Ria, terminate their relationship in the event of disagreement with the modification, except when this modification results from a legal or regulatory obligation. Ria may terminate the General Terms and Conditions at any time subject to fifteen (15) calendar days' notice. Ria may also terminate the General Terms and Conditions without notice in the event of a breach of the General Terms and Conditions by a User/Referrer. The User/Referrer may terminate the General Terms and Conditions at any time subject to fifteen (15) calendar days' notice. Termination is effected by sending an email with read receipt to the following address:  sn_support@riamoneytransfer.com. Article X. Ownership and Use of Content All Content as defined in Article 1 is protected by copyright, trademarks, or similar legal and regulatory provisions. The compilation, collection, modification, or any other manipulation of this Content is strictly subject to the aforementioned rights. Article XI. Fraudulent and Suspicious Behavior Ria may, at its sole discretion, refuse to allow a User to join the Referral Program or to obtain Credits and/or Rewards if it determines that such User is attempting to compromise the fairness, integrity, or legitimate operation of the Referral Program in any way through cheating, hacking, deception, or any other unfair practice intended to produce similar negative effects. Those who do not comply with Ria's terms of service will be treated identically. The use of any automated system, script, or macro during registration is strictly prohibited and will result in exclusion from this Referral Program and/or termination of the General Terms and Conditions without prior notice upon Ria becoming aware of the facts. Without prejudice to any legal action available to Ria, Ria reserves the right to exclude any User and/or cancel any Credit and/or Reward awarded if it is found that a User has modified the entry process and/or the operation of the Referral Program or has violated the General Terms and Conditions of this program or Ria's money transfer service. Article XII. No WaiverIf, at any time, any provision of these Terms and Conditions is or becomes illegal, invalid, or unenforceable under the law of any jurisdiction, the legality, validity, or enforceability of the remaining provisions of these Terms and Conditions, as well as the legality, validity, or enforceability of that provision under the law of any other jurisdiction, shall not be affected or called into question in any way. Article XIII. Tax Obligations The User/Referrer declares that they are solely responsible for any obligation to declare Rewards that may arise from any applicable tax law or regulation. Ria undertakes to inform them of the amount of the Rewards. Article XIV. Processing of Personal Data In the event of a complaint or for any question concerning this Referral Program, a User/Referrer may send a complaint to Ria by mail to Ria Customer Services, Upés g. 23, Vilnius (Lithuania), by telephone at +33 1 72 28 50 20 or at the following email address:  https://www.riamoneytransfer.com/privacy-policy/ . Article XV. Complaints and Customer Support In case of complaint or for any question concerning this Referral Program, a User/Sponsor can send a complaint to Ria by mail to Ria Customer Services, Upés g. 23, Vilnius (Lithuania), by telephone at +33 1 72 28 50 20 or at the following email address: sn_support@riamoneytransfer.com. Article XVI. Evidence. Unless otherwise provided by law, Ria shall be entitled to rely on its own records and accounting documents as evidence against the Parties. The User/Sponsor acknowledges and agrees that Ria may provide proof of a legal act by means of a copy or reproduction of the original document, regardless of the nature or amount of that act. This copy or reproduction shall have the same probative force and value as the original of the act. Article XVII. Governing Law. These terms and conditions, their subject matter, and their formation are governed by Lithuanian law. As a consumer residing in other EU Member States, you shall also benefit from all mandatory provisions of the consumer protection laws of those countries, unless otherwise provided by applicable law. You and we both agree that the courts of Lithuania shall have exclusive jurisdiction. These terms and conditions do not affect your statutory rights as a consumer.

“Ramadan 2024 Lottery Draw”

Game rules

The terms and conditions of the "  Ramadan Prize Draw  " (hereinafter the "Game") are set out in these rules (hereinafter the "Rules"). Any violation of one or more provisions of these Rules may, at the discretion of RIA France, result in the disqualification of the participant from the Game.

 Article 1. Game Organization

Organising company: RIA France, a simplified joint-stock company with a share capital of €4,950,000, registered with the Paris Trade and Companies Register under number 493 473 003, whose registered office is located at 1-3 rue du 19 Mars 1962 – 92230 Gennevilliers, which provides assistance to the Ria Financial network in the development of money transfer activities in France and other French-speaking countries, international money transfers and over-the-counter foreign exchange transactions;

Duration:  The draw will take place during Ramadan. From March 10th to April 7th, 2024, 26 winners will be drawn. Therefore, participants have the entire Ramadan period to make a transfer and have a chance to win the prize, i.e., from March 10th until April 7th, 2024, the closing date for participation.

Subject:  The Regulations determine the conditions and terms of the free Game, including an obligation to purchase, to make at least one money transfer during the duration of the "Ramadan Draw" Game, by which RIA France offers 26 Winners the prize described in Article 4 below. 

Article 2. Participation Procedures

The "Game" is open to Ria customers residing in metropolitan France who have made one or more transfers to one of the following countries: Morocco, Senegal, Tunisia, Comoros, Gambia, Kosovo, Egypt, Turkey, Pakistan, Mauritania, Bangladesh, Guinea, Burkina Faso, Nigeria, Guinea-Bissau, Mali, and India (hereinafter referred to as the "Participants") during the "Game" period. The transfer(s) must be made between March 10 and April 7, 2024, to be eligible for the "Game." A customer who makes a transfer during the contest period has one chance to win, with no minimum transfer required. Employees and representatives of RIA Money Transfer, its partners, and subcontractors, as well as their family members, are not eligible to participate in the "Game." Participants must be at least 18 years old to participate.

To be eligible for the draw, participants making a money transfer at Ria's own agencies must provide the teller, or the person making the transfer, with the code "RAM24" which will allow their participation to be taken into account.

The addresses of Ria's own agencies where it is possible to participate are as follows:

132-134 Rue Montmartre, 75002 Paris; 123 Rue La Fayette, 75010 Paris; 67 Av. de Clichy, 75017 Paris; 136 Rue d'Avron, 75020 Paris; Place de Navarre Level 54-50 1 Place Navarre, 95200 Sarcelles; 160 La Canebière, 13001 Marseille; 68 Rue Championnet, 75018 Paris; 25 Rue d'Italie, 06000 Nice; 81 Av. Jean Jaurès, 93000 Aubervilliers; 6 Gd Rue de la Guillotière, 69007 Lyon; 46 Rue de la République, 93200 Saint-Denis.

To be eligible for the draw, participants who make a money transfer via the Ria Money Transfer digital application or via our partner Nickel must indicate the code "RAM2024" which will allow their participation to be taken into account.

By participating in the Game, the Participant accepts these Rules.

Article 3. Selection of the Winner

3.1. Twenty-six (26) Winners will be selected between March 10 and April 7, 2024 by RIA France through a random draw, by randomly scrolling through the list of transfers (hereinafter the “Winners”). For transfers made in branches, only participants who made a transfer using the code 'RAM24' will be eligible and selected. For transfers made via the Ria Money Transfer or Nickel app, only participants who made a transfer using the code 'RAM2024' will be eligible and selected. Only one prize will be awarded per Winner; a Winner cannot claim more than one prize. These 26 Winners must be Participants who meet the participation requirements.

3.2. Each Winner will be announced by telephone, and a confirmation will then be sent by email if the Winner so wishes. The prize must be collected either at a Ria branch if the transfer was made there, or it will be sent directly to the Winner's address. This information will be provided to the Winner during the announcement. If a Winner: (i) cannot be contacted; (ii) does not provide the necessary contact information to send the prize during the call; (iii) refuses the prize described in Article 4; or (iv) does not claim the prize at the address provided within 2 months of the call, the Winner permanently forfeits their right to win and receive the prize.

Article 4. Lots

4. The prize is a €100 Carrefour gift card, redeemable at a Ria store located in mainland France. For winners who are digital (via the app or Nickel partner), the prize will be sent directly to their home address. The card is valid for one year from the date of receipt. The Carrefour gift card is valid in all Carrefour stores in mainland France and in all departments of the supermarket.

By accepting the prize, each Winner authorizes Ria France to use their image, first name and/or Instagram or Facebook username on all media known or unknown to date, including the internet and social networks, without this use giving rise to any compensation other than the prize won, for the purpose of promoting the results of the Game.

Ria France cannot be held responsible for any damage, loss, or theft of the prize after it has been received by the winner. Prizes sent to a Ria store will remain available for two months.

Article 6. Processing of personal data

All personal data collected by Ria France remains confidential and is subject to the Privacy Policy / processing of personal data available at  https://www.riamoneytransfer.com/fr-sn/privacy-policy/

Article 7. Specific conditions for publications

Participants are strictly prohibited from publishing or posting any texts, statements, quotes, photographs, images or more generally any obscene, defamatory content, content in violation of intellectual property rights or any other rights of a third party, or legal and regulatory provisions. 

Participants agree to comply with all the conditions relating to the "Game".

Article 8. Miscellaneous Provisions

Ria France reserves the right, at its sole discretion, to disqualify any Participant who attempts to disrupt the Game.

Ria France reserves the right to cancel, suspend or modify the Game if it becomes impossible to finalize the Game due to a force majeure event.

Ria France reserves the right to withdraw the prize from the Winner if the latter is blocked from Ria France services due to non-compliance of previously carried out transactions.

The Game and the Rules are subject to French law.

Article 9. Literary and Artistic Property Rights

In accordance with copyright laws, the reproduction and representation of all or part of the elements comprising this game are strictly prohibited. The trademark mentioned is a registered trademark belonging to its owner. 

Rules for the Eid al-Adha 2023 competition - Nickel 

The terms and conditions of the "Eid al-Adha" game (hereinafter the "Game") are set out in these rules (hereinafter the "Rules"). Any violation of one or more provisions of these Rules may, at the discretion of RIA France, result in the disqualification of the participant from the Game.

 

 Article 1. Game Organization

Organising company: RIA France, a simplified joint-stock company with a share capital of €4,950,000, registered with the Paris Trade and Companies Register under number 493 473 003, whose registered office is located at 1-3 rue du 19 Mars 1962 – 92230 Gennevilliers, which provides assistance to the Ria Envia network in the development of money transfer activities in France and other French-speaking countries, international money transfers and over-the-counter foreign exchange transactions.

Duration:  The draw will take place on July 4, 2023. The campaign for participation in the competition will run until July 3, 2023, the closing date for participation. (hereinafter the "Duration").

Subject  : The Regulations determine the terms and conditions of the free game with no purchase obligation "Eid al-Adha", by which RIA France offers 1 winner a gift card usable on the "Ulysse" flight booking platform worth €500.

 

Article 2. Participation Procedures

The Game is exclusively open to users of Ria Money Transfer on Nickel France, residing in France, with access to an internet connection and a valid email address and telephone number, with the exception of employees and representatives of RIA Money Transfer, its partners, and its subcontractors, as well as their advisors and members of their family (hereinafter the "Participants").

To be able to participate in the Game and have a chance to win the prize, three criteria are taken into account; the participant must be at least 18 years old, have made a Ria money transfer via Nickel between June 26 and July 3, 2023, to one of these countries: Morocco, Senegal, Tunisia, India, Bangladesh, Egypt, Comoros, Mali, Turkey, Madagascar, Pakistan, Mauritania, Guinea.

By participating in the Game, the Participant accepts these Rules.

 

Article 3. Designation of the winner 

3.1 One (1) winning Participant will be selected on July 4, 2023, by random draw from customer files extracted according to the criteria mentioned above. The results will be announced by telephone, and the winners will also receive a confirmation email.

3.2. The Winner will be notified by telephone and will subsequently receive a confirmation email. If the Winner: (i) cannot be contacted; (ii) refuses the prize described in Article 4, they will forfeit all rights to win and receive the prize, and an alternate Winner will be designated. After contacting the Winner and verifying that they meet all the participation requirements of the Game, including submitting to any additional checks required by Ria France, the Winner will be definitively declared the "Winner" of the Game. 

 

Article 4. Lots

4.1 The prize described below will be awarded to the Winner, who must be a Participant meeting the participation requirements, according to the following distribution:  

Prize  : A Ulysse gift card worth €500 to be used on their flight booking platform. The gift card is not nominative and is valid for two years from the date of issue.

 

Article 5. Awarding of prizes

The winner will initially be contacted by telephone within three (3) business days of being selected. The prize will be awarded in two formats: a physical copy via mail and an electronic copy via email. During the initial (successful) telephone contact, the winner will be required to provide/confirm their email address and postal address. The gift card is valid for two years from its date of issue.   

By accepting the prize, the Winner authorizes Ria France and its partners to use their first name/last name, city of residence, on all media known or unknown to date, including the internet and social networks, without this use giving rise to any compensation other than the prize won, for the purpose of promoting the results of the Game.

 Ria France cannot be held responsible for delays, losses, damage, malfunctions of the Participants' internet network or computer equipment, or for the theft or loss of the prize. Any prize not used during its validity period will be forfeited. 

 

Article 6. Processing of personal data

All personal data collected by Ria France remains confidential and subject to the Privacy Policy / processing of personal data available at  https://www.riamoneytransfer.com/fr-sn/privacy-policy/ .

 

Article 7. Specific conditions for publications

Participants are strictly prohibited from publishing or posting any texts, statements, quotes, photographs, images or more generally any obscene, defamatory content, content in violation of intellectual property rights or any other rights of a third party, or legal and regulatory provisions. 

 

Article 8. Miscellaneous Provisions

Ria France accepts no responsibility for any loss, delay, or error, particularly those resulting from failures of computer equipment, software, internet browsers, computer networks, or internet connections. Ria France will not be held liable for any loss or theft of the prize.

Ria France reserves the right, at its sole discretion, to disqualify any Participant who attempts to disrupt the Game.

Ria France reserves the right to cancel, suspend or modify the Game if it becomes impossible to finalize the Game due to a force majeure event, or any bug, virus, intrusion or technical error.

Ria France reserves the right to withdraw the prize from the Winner if the latter is blocked from Ria France services due to non-compliance of previously carried out transactions.

The Game and the Rules are subject to French law.

 

Article 9. Data Processing and Freedoms

The personal information collected for this Game is processed in accordance with the French Data Protection Act (Law No. 78-17 of 6 January 1978, as amended by Law No. 2018-493 of 20 June 2018). All Game Participants have the right, pursuant to Article 106 of the amended law, to access or rectify their personal data. All requests for access, rectification, or objection should be sent to Ria France.

 

Article 10. Literary and Artistic Property Rights

 In accordance with copyright laws, the reproduction and representation of all or part of the elements comprising this game are strictly prohibited. The trademarks mentioned are registered trademarks of their respective owners. 

CONDITIONS OF THE "REFER A FRIEND" PROMOTION

Eligibility

To be eligible for this promotion, the current Ria customer (the "Referrer") must have made at least one transaction on our mobile app to unlock the "Refer a Friend" promotion. Once unlocked, the Referrer can send unique promo codes to their friends and family.

The person receiving the referral (the "Referred Customer") must be new to the services of Ria's website or mobile application.

Using the Referrer's unique promo code and with the credits received accordingly, the Referred Customer must fully complete a money transfer order of at least $50/€50 in principal amount and this order must have been paid to the intended beneficiary (a "Qualifying Transaction").

Credits

Referrer: Upon completion of a Qualifying Transaction, the Referrer will receive a $20/€20 credit in their mobile application to use for a money transfer of at least $50/€50 in principal amount.

Referred Customer: When the Referred Customer enters the promo code received from the Referrer, they will receive $20/€20 in credit in their mobile app and on the website (a total of $20/€20 to be used either in the mobile app or on the website) to be used for their first money transfer of at least $50/€50 in principal amount. If the Referred Customer does not choose to use their credit for their first transaction, this credit will be forfeited.

General Terms and Conditions

This promotion and the services provided by Ria are governed by our applicable Terms and Conditions ( US - English / US - Spanish / France ), the Terms and Conditions applicable to the Referred Customer accepted upon registration, and our global Privacy Policy ( English / French ). Ria reserves the right to modify these terms and to suspend or terminate this promotion at any time.

The fees charged by Ria to process your transactions will be calculated based on the total principal amount, including any credits received through this promotion. Credits received will be in each user's local currency. For the Referrer, this promotion is only available through our mobile app. For the Referred Customer, the credit received can be used either in our mobile app or on our website. Credits received through this promotion have no cash value. You must use all of your accumulated credits (up to $60/€60) when choosing to use them for a new money transfer. If you have more than $60/€60 in credits, the remaining balance will be kept for future use. If you use more than $40/€40 in credits, you must send at least $60/€60 in principal.

TERMS AND CONDITIONS - ADD5

TERMS AND CONDITIONS - ADD5 This promotion (the “Promotion”) is organized by RIA Lithuania UAB, a company registered in the Republic of Lithuania under number 305592651, with its registered office at Ukmergės g. 126, LT-08100, Vilnius, Lithuania, and whose establishment license no. 52 was issued by the Bank of Lithuania on November 26, 2020, authorizing us to provide Our Service and conduct transactions under the name “Ria” (hereinafter “ Ria ,” “ we ,” “ us , ” or “ our ”). Our contact details are provided in clause 26 of these General Terms and Conditions. The Promotion is governed by the following terms and conditions (the “ Terms and Conditions ”).

1. Eligibility

This Promotion is open to residents of France aged 18 (eighteen) years or older at the time of sending a money transfer using the RIA Money Transfer mobile application (the “Application”) or the RIA Money Transfer website www.riamoneytransfer.com/en-gb (the “Website”), and who meet the requirements of the “Promotion Criteria” set out in Section 4 below (the “Customer”).

RIA agents are not eligible to participate in the Promotion.

Physical RIA stores are excluded from this promotion.

2. Promotion Period

The Promotion begins on September 1, 2024 at 00:00 and ends on September 30, 2024 at 23:59 (GMT/BST times as applicable) (the “Promotion Period”).

3. Promotion

RIA will provide the Customer with a €5 (five Euros) top-up voucher (the “Voucher”), to be used from October 1 to October 31, 2024, in a transfer order made only via the Application or the Website, if the requirements of the “Promotion Criteria” set out in Section 4 below are met.

4. Promotion Criteria

During the Promotional Period, the Customer must subscribe to the RIA money transfer service via the Application or the Website, within the territory of France, and place a transfer order payable to a designated beneficiary (the "Order") with a minimum sending amount of €50.

If the Order is processed and completed successfully in accordance with the applicable terms and conditions, RIA will send the Customer a message informing them that they have won the Voucher, then on October 1, 2024, RIA will send the Customer the Voucher.

  • For Orders placed via the Application, both the message and the voucher will be sent to the Application's inbox and to their registered email address if they have agreed to receive emails from RIA.

  • For orders placed via the Website, the Customer must agree to receive emails from RIA to receive both the message and the voucher at their registered email address. If the Customer does not agree to receive emails from RIA, the voucher will not be sent.

The voucher can only be used once, from October 1st to October 31st, 2024, on a new transfer order placed via the App or Website, and will add €5 (five Euros) to the amount sent. It cannot be combined with any other RIA discount, promotion, or promo code.

Customers are deemed to have accepted and agreed to be bound by these Terms and Conditions.

Participation in the Promotion is strictly conditional upon the Client's compliance with these Terms and Conditions and the terms and conditions applicable to the relevant RIA money transfer, which have been separately notified to and accepted by the Client.

5. General Conditions

The Promotion cannot be substituted, assigned or transferred by the Customer and no alternative is offered.

RIA reserves the right, at its sole discretion, to withdraw the Promotion if it suspects or reasonably discovers a violation of these Terms and Conditions or the terms and conditions applicable to the RIA money transfer service.

RIA cannot be held responsible for any inaccurate information received from the Client, for any delay in the availability of an RIA money transfer to a designated beneficiary, or for the suspension or cancellation of an RIA money transfer in accordance with RIA's terms and conditions and/or the laws and regulations applicable to the RIA money transfer service.

To the extent permitted by law, RIA will under no circumstances be liable or required to compensate the Customer or accept any responsibility for any loss, damage, personal injury, or death arising out of the Promotion, except in cases of negligence by RIA or its employees. The Customer's statutory rights remain unaffected.

6. Data Confidentiality

RIA's Privacy Policy sets out the conditions under which personal data collected from Customers is processed by RIA, or that Customers provide or have provided to RIA. By using the RIA money transfer service, Customers acknowledge that they have read and understood RIA's Privacy Notice for such processing. RIA's Privacy Notice is available at [address]. 

7. Law and Jurisdiction 

These Terms and Conditions are governed by French law, and customers submit to the jurisdiction of the courts in France.