Terms and Conditions for Payment Services in Ukraine.

Thank you for using our service! 

Please read these terms and conditions (the “ Terms and Conditions”) carefully because they describe what you are agreeing to when you use our services. They are also useful to help you understand the services we are providing. This includes what happens if things go wrong. 

1. INFORMATION 

1.1 When you use our remittance service, you are entering into an agreement. This is between you- the person contracting our service- and us - DANDELION PAYMENTS, INC. dba RIA MONEY TRANSFER (“RIA”) a Kansas, U.S.A. corporation, with offices located at 7000 Village Drive Suite 200, Buena Park, California 90621 U.S.A. 

RIA is a licensed money company in the United States, authorized to conduct money transfer services under both federal and state regulatory frameworks. RIA is registered with the Financial Crimes Enforcement Network (FinCEN), the U.S. Department of the Treasury bureau responsible for enforcing anti-money laundering (AML) regulations. Additionally, RIA holds individual license for the provision of financial payment services in all U.S. states where such licenses are required. 

As a licensed entity, RIA is subject to rigorous regulatory oversight, including: 

• Periodic regulatory examinations by state financial authorities. 
• Compliance with federal AML and counter-terrorism financing (CTF) regulations under the Bank Secrecy Act (BSA). 
• Reporting obligations to FinCEN and state regulators. 

RIA is part of the Euronet Worldwide group, which operates under the Ria Money Transfer brand and consists of multiple licensed entities worldwide engaged in Money Transfer activities. Collectively, the Ria Money Transfer brand entities are regulated by approximately 90 different regulatory bodies across multiple jurisdictions. 

Each entity within the group is duly licensed and compliant with the respective national and regional financial regulations, ensuring the highest standards in financial integrity, customer protection and AML compliance. 

1.2 This website (“Ria´s website”) and the present Terms and Conditions are owned and edited by DANDELION PAYMENTS, INC  a Kansas, U.S.A. corporation, with offices located at 7000 Village Drive, Suite 200, Buena Park, California 90621 U.S.A. (hereinafter "we”, “our” or “us”). 

BY USING RIA´S  WEBSITE YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. PLEASE DO NOT USE OUR WEBSITE IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE A LEGALLY BINDING AGREEMENT AND IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THEM CAREFULLY. 

The purpose of Ria´s website is to provide to Ria´s Customers with mandatory information about Ria´s services.  Ria´s  website is for user´s information purposes only. Users who wish to contract our Money Payment Services as defined herein they should do it in accordance with the sections 3 and 4 of the present Terms and Conditions.  

The use of Ria´s  website is free and should be done in accordance with any applicable regulation. 

1.3 Contacting us 

There are several ways to contact us – you will find them below: 

1. Call us on +380 44 331 24 20 for Customer Care support in Ukraine 
2. Visit our website Ria Help Centre (riamoneytransfer.com) and chat with us. 

1.4 International Payment System Operator 

For the purposes of providing services in Ukraine as a Payment System Operator, RIA acts as the International Payment System Operator and Payment Processor.  

RIA has been included by National Bank of Ukraine as international payment system in the Register of Payment Infrastructure:  

• Date of entering information into the NBU RPI: 08.04.2015 
• Link to NBU RPI: NBU Register   

1.5 RIA official name and commercial brand 

RIA official name and commercial (brand) name, trademark/sign for goods are the following; 

Ria, Ria Money Transfer 

2.LIST OF PARTICIPANTS OF RIA IN UKRAINE: 

Ria has an international network integrated by correspondents and sub correspondents (“Correspondents”, “SubCorrespondent”) for the Payment Transactions as defined herein and has the capacity to provide processing services and to arrange for payment and distribution of money through such network. 

RIA International Network in Ukraine consists in Financial Payment Service Providers, which includes Correspondents and Sub-Correspondents (“Ria´s network of authorised participants”). All participants within the RIA network of authorised participants are duly licensed and authorized to provide cross-border remittance services in their respective jurisdictions. Each Correspondent is responsible for complying with local regulatory requirements, including AML and CTF obligations, ensuring a secure and compliant Money Transaction ecosystem. 

List of RIA participants in Ukraine can be found followed by the link to NBU website: Ria Participants in Ukraine 

3.OUR SERVICES 

Under this Terms and Conditions and under regulation of Ukraine, RIA provides money payment services (“Money Payment Services”) in Ukraine. 

Payment Transactions destined for Ukraine originate from RIA´s International Network and may be initiated through digital channels or at physical brick-and-mortar locations, with funding provided either in cash or through electronic means of payment. 

We will provide you with our Money Payment Service through Ria´s network of authorised participants in Ukraine  to transfer funds (the “Transaction” or the “Payment Transaction”) to your chosen recipient (the “Beneficiary”) in Ukraine.  You must inform your Beneficiary about the Payment Transaction, and the relevant details included in the Payment Transaction receipt given to you (the “Payment Order” ).  

RIA functions as a centralized hub, aggregating all inbound Payment Transactions and making them available for payment through Ria´s network of authorized participants  in Ukraine. Each Payment Order includes the designated delivery method, which may be: 

3.1 CASH PAYMENT  

Cash Payment is a Money Payment Service without opening an account. For Сash Payment, the Correspondent / Sub-Correspondents makes funds available to the Beneficiary at a designated payout location in Ukraine. The Correspondent / Sub-Correspondents must: 

• Validate the Transaction using the unique PIN provided by RIA. 
• Verify the Beneficiary’s identity using an accepted form of identification (passport, national ID, or other government-issued ID). 
• Ensure that the Payment Transaction is paid out in the specified currency and that no additional fees are charged to the Beneficiary. 
• Beneficiary and Correspondent / Sub-Correspondent sign two copies of Remittance Application for payout (Section 18) - one copy for Beneficiary and another copy for Correspondent / Sub-Correspondent. 
• Mark the Payment Transaction as paid in the system once the payout is completed and retain all records (including the remittance application for payout) as required by applicable regulations. 

Minor discrepancies may exist between the Payment Transaction data and the Beneficiary’s name & surname provided in the identity document. For example, Maria and Mariya with the same surname. In such cases, the Correspondent or Sub-Correspondents shall confirm whether the Transaction may be paid out in accordance with its compliance procedures and applicable Ukrainian legislation. The Correspondent or Sub-Correspondents may also contact RIA to request an amendment to the name & surname of the Beneficiary and RIA will make reasonable efforts to modify the Payment Transaction, when possible. 

In addition, the Beneficiary at the physical location may request Correspondent or Sub-Correspondent to credit the funds into a current/payment account held with such Correspondent or Sub-Correspondent. Prior to crediting the Payment Transaction funds to the Beneficiary’s current/payment account, the Correspondent or Sub-Correspondent shall validate the unique PIN mentioned above and verify the Beneficiary’s identity.  This crediting of funds into the Beneficiary’s current/payment Account constitutes a separate transaction between the Beneficiary and the Correspondent or Sub-Correspondent. 

3.2 BANK DEPOSIT  

Bank Deposit is a Money Payment Service aimed for execution of credit Money Transactions. Bank Deposit, is a delivery method that provides the option to directly credit funds into Beneficiary’s current/payment account (“Account”) by utilizing the IBAN number or payment card details. 

Correspondents in Ukraine who performs Bank Deposit Payment Transactions facilitates crediting to Beneficiaries’ current/payment Accounts located in Ukraine held at such Correspondent or at any bank or at any non-bank payment service provider, who held the appropriate licence and registered in the payment infrastructure register in Ukraine. 

For Bank Deposit, RIA transmits Payment Orders to the Correspondent, which credit funds into the Beneficiary’s current/payment Account. The Correspondent must ensure that all required Account details are provided, including: 

• Bank name or non-bank Payment Service Provider  
• Beneficiary’s full name 
• Current/payment Account number (IBAN or payment card number) 
• Amount and currency 
• Location number / name / address (if applicable) 
• Type of Account (if applicable) 
• City (if applicable) 

Correspondent should confirm successful credit or rejection Payment Transactions in cases of incorrect details or non-compliance and retain all records as required by applicable regulations. 

Correspondent should ensure that USD and EUR Payment Transactions are credited only into current/payment Accounts held at such Correspondent, while UAH Payment Transactions may be credited into current/payment Account held at such Correspondent or into current Account held at any bank or into payment Account held at any non-bank Payment Service Provider in Ukraine. 

In the case of a Bank Deposit Payment Transaction is credited by the Correspondent to a Beneficiary´s current/Payment Account held at such Correspondent only, Correspondent shall process such Payment Transactions through its own internal systems (back-end system, core-banking system, etc.). 

In the case of a Bank Deposit Payment Transaction is credited by the Correspondent to a Beneficiary´s current Account held at another bank or to a Beneficiary´s payment Account held at non-bank payment service provider, the Correspondent shall process such Payment Transactions through the following:   

• For crediting to an IBAN - through the System of Electronic Payments of the National Bank of Ukraine (SEP); or 
• For crediting to payment card number - through the Correspondent’s processing center, in accordance with the protocols of card payment systems, including but not limited to Visa, MasterCard and PROSTIR. 

Additionally, such banks and non-bank payment service providers should be participants of SEP and/or card payment systems correspondingly, regardless of they are participant of RIA or not. 

Correspondent that executes a Bank Deposit Payment Transaction to a Beneficiary´s current/payment Account by utilizing payment card details must be an acquirer within the relevant card payment system.  

Correspondent who performs Bank Deposit Payment Transaction is obliged to check all necessary information about Customer/Beneficiary of such Bank Deposit Payment Transaction in accordance with the requirements of the AML/CFT legislation of Ukraine. 

3.3 REMOTE CHANNELS – PAYOUT 

Remote Channels is a Service for crediting cash Payment Transactions to Beneficiaries’  current/payment Account. Some Correspondents / Sub-Correspondents can offer an additional option that allows Beneficiaries by its sole discretion to credit the “Cash Payment" Payment Transaction into a current/payment Account held at such Correspondents / Sub-Correspondents using Payment Device of Correspondents / Sub-Correspondents. 

Beneficiaries may redirect the Payment Transaction to their current account through one of the following Remote Channels: 

• Internet banking website 
• Mobile banking application 
• Self-service kiosk (PTKS) 
• ATM 
• Call centre 

 
Remote Channel may be made available by the Correspondent or Sub-Correspondent to the Beneficiary, provided that the Beneficiary holds a current or payment Account with the Correspondent or Sub-Correspondent. The operation of the Remote Channel is managed directly by the Correspondent or Sub-Correspondent under their own terms and conditions and is governed by the agreement between RIA and the Correspondent. 

This service is independent from RIA and it must comply with applicable Ukrainian regulations. Correspondents / Sub-Correspondents offering this service are responsible for ensuring full compliance with local laws governing consumer protection, transaction processing, and financial monitoring. RIA reserves the right to review and authorize the Remote Channel before the Correspondent / Sub-Correspondent can offer it within the RIA. RIA, in its capacity as Payment System Operator, maintains oversight of the Remote Channel as part of its responsibility for the functioning of the RIA IPS. 

Correspondent / Sub-Correspondents must establish filters and limits according to applicable legislation. The Correspondent / Sub-Correspondents shall ensure that it is duly authorized by the legislation and regulations of the applicable jurisdictions to conduct Transactions using the Remote Channels.  

For Payment Transaction made through Remote Channels process, Correspondent / Sub-Correspondent must: 

• Verify unique PIN number provided by the Beneficiary;  
• Cross-Check the Beneficiary’s name and surname against compliance filters and confirm that they match the details associated with the Payment Transaction; and, 
• Provide the Beneficiary with a Receipt in the case of using an ATM or Self-service Kiosk (each Self-service kiosk Receipt provided by Correspondent / Sub-Correspondent to Beneficiary should contain Payment Transaction details in accordance with Instructions on Cash handling procedures in Banks and Payment Transactions by Money Payment Services providers in Ukraine approved by NBU Board Resolution No. 103 dated 25 September 2018.) 

4.CHARGES 

The charges and fees you have agreed to pay in relation to the Transaction are set out in the Payment Order. Please note that sometimes, your Beneficiary’s receiving bank may impose fees on the Payment Transaction which are out of our control. You, or your Beneficiary are responsible for any such fees. 

Average Customer Fee for Sending to Ukraine from TOP 5 corridors 

• US - average Customer Charge is 1.6% 
• Israel - average Customer Charge is 1.2% 
• Germany – average Customer Charge is 3.3% 
• Italy - average Customer Charge is 2.2% 
• Czech Republic - average Customer Charge is 2.8% 

RIA shall determine the Customer Fee in its sole discretion, and it may be changed from time to time, in RIA’s sole discretion.  

Your method of payment must have sufficient funds or credit available, so that we can receive such funds to proceed with the Payment Transaction. Please be aware that we do not provide credit and are not able to advance any funds to cover any part of a Payment Transaction. 

Your card issuer and/or your bank or credit institution will also have terms and conditions that apply to your use of your credit/debit card or bank account. These may include their own fees and charges. Please also note that additional provisions may be imposed by your card issuer and/or your bank or credit institution when paying for our Money Payment Services by card. 

5.THE INFORMATION WE NEED 

To make a Payment Transaction, you must give us the information we need, which will be included in the Payment Order. You must check the payment details carefully to make sure you are making the Money Transaction to the right person and for the correct amount. If you go ahead, we will assume that the information you provided us is correct. 

Please note that if you do not provide full and accurate information, RIA may not be able to complete the Payment Transaction to the Beneficiary. If we refuse a Payment Transaction, we will tell you about the refusal and if possible, the reasons for the refusal. 

6.PAYMENT TRANSACTION 

If we have all the information we need from you, the Payment Transaction will be sent to the Correspondent you chose for your Beneficiary the same day we received your instructions. The money will be available for collection by the Beneficiary during the operating hours of the Correspondent’s location where you instructed us to send the funds. 

You can contact us to check the address and operating hours of Correspondents and approved payment locations (“Payment Locations”) or, you can use the interactive map available at https://www.riamoneytransfer.com/locations. 

Our working days are Monday to Friday excluding public holidays (“Business Days”). 

Please note that Payment Transactions may be subjected to delays due to availability of funds at the relevant Payment Location by conditions in the Beneficiary’s destination country or regulatory requirements. We are unable to assure you when the money will be available for collection by the Beneficiary. 

If you have requested us to deliver the funds to an Account hold by a third party, we cannot assure you when the bank maintaining the Account will credit the  funds. 

Please remember that a Payment Transaction does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with us. 

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

Our total liability to you regarding a Payment Transaction is limited to the full amount of the transferred funds and any charges which you have paid and any interest which you may be required to pay as a result of any non-performance or incorrect performance by us of the Transaction. 

7. IDENTIFICATION 

When you contract our Money Payment Services, we need to check we are dealing with the person you say you are. For this reason, we ask for a photo ID. From time to time, we may require you to provide updated and/or further documentation and/or information to use our Money Payment Services and enable us to complete our anti-money laundering and compliance processes. If you do not comply with this requirement, we can refuse to provide the Money Payment Service.  

8.FOREIGN EXCHANGE 

If your Transaction  is to be paid to your Beneficiary in any currency other than USD or EUR, we will apply a currency exchange rate (the “Exchange Rate”) to convert the transferred funds into the currency payable to your Beneficiary, as set out in the Payment Order.  

We may retain any amounts resulting from the difference between the Exchange Rate applied to you and the exchange rate received by us. Any monies arising in this way represents a business profit that belongs and will be kept by us or our Correspondents. Any Exchange Rate revenue will be in addition to the fees for transferring your funds. 

If the Beneficiary requests to receive the transfer funds in a different currency to the one stated on the Payment Order, an additional fee may be charged. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service or your agreement with us. 

9.REFUND/CANCELLATION OF A TRANSACTION 

To cancel a Transaction, you must contact us or the Correspondent/Sub-Correspondent where you placed the funds in person and provide the original copy of the valid Payment Order, together with a photo ID. Unless we have already paid the transferred funds to the Beneficiary, or we are prevented by law, we will refund to you, both the transferred funds and the fee for the Transaction, within 15 Business Days of your request, less any applicable fees or service charges related to the cancellation. Refunds will be issued in the same manner as you paid for the Transactions, in cash if you paid by cash, or to the debit or credit card you used. 

If the transferred funds were already paid to the Beneficiary, we cannot cancel the Transaction and refund the funds to you. 

If after 30 days of making the Transactions, the Beneficiary fails to collect the funds, we will automatically cancel the Transaction and advise you of this. We will hold the funds of the Transaction in trust until you collect them except for any regulatory or legal reasons. 

10.TRANSACTIONS AND THE PAYMENT SERVICES REGULATIONS 

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

If you believe we may have failed to perform or incorrectly performed any Transaction, or you did not authorise a Transaction, you should let us know as soon as possible. We will start to investigate the matter and let you know the outcome of our investigation. 

If we have failed to perform or incorrectly performed such a Transaction, we will make good and correct the error and deliver the amount of the unperformed or incorrectly performed Transaction. 

If something goes wrong, you must inform us no later than 13 months after the Transaction date or becoming aware of any unauthorised or incorrectly executed Transaction. If you inform us about the error after this period has expired, we may investigate it, but we don’t have to. 

If you give us wrong instructions or tell us to make the same Transaction more than once by accident, you are responsible. We’ll try to help you get the money back. We may not always be able to do this, and we may charge a fee for tracing, recalling or cancelling a Transaction. 

11.SAFEGUARDING 

Once we have received funds for a Transaction (the “Relevant Funds”), we will safeguard the Relevant Funds by ensuring that they are covered by a comparable guarantee given by an authorised insurer or an authorised credit institution. Relevant Funds will be safeguarded for as long as they are held by us and at a minimum until funds are transferred to the Beneficiary’s payment service provider. 

For your information, we do not hold funds in an account or accept deposits but instead perform the service of transferring funds to your designated Beneficiary without opening an underlying account for you. 

12.YOUR INFORMATION 

We need to use the information you provide us (for example, your name, address, e-mail address, telephone number, occupation, date of birth, details of the Transaction (including the purpose) and Beneficiary) to provide you with the Money Payment Services, for our internal research and customer analysis and for our legal, compliance and/or regulatory requirements. 

This may include compliance transaction analysis and monitoring, where we hold and use that information to review Transactions which are placed "on hold" when certain transaction criteria are triggered. This information may be passed to and reviewed by a third party because of those filters being triggered. 

We may also use the information provided by you to contact you in relation to our Money Payment Services and offers that we think are of your interest. 

We may provide the information provided by you to affiliated companies, Correspondents, Sub-Correspondents and/or trusted third parties for the purposes set out above which may involve the transfer and/or storage of your information outside Ukraine. For example, we may transfer the information provided by you to our affiliate storage databases in the United States of America. We will hold your information for 5 years. 

More details on how we process your information at www.riamoneytransfer.com/en-gb/privacy-policy/. 

You may exercise your rights in relation to your information and withdraw your consents to contact you by email at any time by contacting us at:  privacyrequest@euronetworldwide.com   

If you have agreed for us to contact you by SMS, this will remain in place unless you withdraw your consent. We may use SMS to notify you of details related to the Money Payment Service and the Transaction and/or for marketing purposes (for example details of our services that we think may be of your interest). You will be solely responsible for any third-party charges in relation to receiving SMS from RIA. You can opt out from the SMS messaging at your Correspondent, by email, by calling us, or by following any opt out instructions included in all SMS we send. 

You confirm that you have the necessary authority to give RIA the personal data (for example, name, address and bank account details) of the Beneficiary to make the Transaction. This will include us giving this information to the relevant Correspondent or Sub Correspondent (who may be located outside Ukraine) for the purposes of the Transaction. 

13.COMPLAINTS 

If you have a complaint, we will do everything we can to solve your problem. You can submit it in person at your Correspondent or Sub Correspondent or thought by contacting US and communicate your complaint.  We’ll let you know as soon as possible in writing that we’ve received your complaint. We’ll then keep you up to date about our progress until we have finished looking into your complaint and send our response to you within 15 Business Days of receiving your complaint. In exceptional situations we may extend this deadline up to 35 Business Days, and we’ll explain the reasons for the delay. 

If you would like further details of our complaints policy relating to Transactions, please contact us or search for ‘complaint’ at Ria Help Centre (riamoneytransfer.com). 

14. RIGHTS OF THIRD PARTIES 

Only you and us can enforce any part of this Agreement and a person who is not a party to the Agreement for the Transaction has no such rights. 

15.GOVERNING LAW & JURISDICTION 

This Agreement is governed by the laws of England and Wales, which also applies to setting up our relationship. If you want to bring a claim against us in the courts, you can do so using the courts of England and Wales. 

16.PRIVACY: 

The Customer, by agreeing to these terms, expressly consents that: (i) any personal data provided during the execution of the service provided by RIA, are subject to treatment by RIA; and (ii) the data is communicated to other companies of the RIA group and to third parties service providers, and such companies may be located outside Ukraine, within the European Economic Area or in other countries that may not offer a level of protection equivalent to that of said Space, in order to manage this request for the sale of foreign banknotes and comply with RIA’s legal obligations, as detailed on the RIA website (Legal documents (riamoneytransfer.com). The processing of the Customer’s data is necessary for the provision of the foreign banknote service and if said data processing is not consented, the service cannot be provided. The Customer may at any time exercise the rights of access, rectification, opposition, suppression, limitation of treatment and portability n via email dpo@riamoneytransfer.com under the terms established in the additional information. You can check the additional and detailed information on Data Protection in our Privacy Policy given on the RIA website (Retail Privacy policy (riamoneytransfer.com).  

17.INTELLECTUAL PROPERTY 

17.1 Our Service and the Ria r website, its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, graphics, videos and audios, and the design, selection, and arrangement thereof), are owned by us, the Euronet Worldwide Inc. group (a group to which we belong) (“Our Group”) and/or our/their licensors or other providers of such material. They are protected by English, EU, and international laws governing copyright, trademark, patent, trade secret and other intellectual property or proprietary rights and remain the property of us, Our Group, and any relevant third-party licensors. 

17.2 You are permitted to use the Ria website and our Service solely for your personal, non-commercial use. You must not: 

• copy, modify, create derivative works of, publicly show, publicly display, republish, download, store or transmit any of the material on our site, except to: (a) save copies of such materials temporarily in “Random Access Memory”; (b) store files that are automatically cached by your web browser for display enhancement purposes; and/or (c) print a reasonable number of pages of the Ria  website for a permitted use. 
• modify copies of any materials from the Ria website or delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site. 
• use any images, graphics, videos or audios separately from any accompanying text. 
• reproduce, sell or exploit for any commercial purposes any part of the Ria  website, access to the Ria website or use of the Ria  website or any services or materials available through the Ria website. 

17.3 If you print, copy, modify, download, or otherwise use any part of the Ria website in breach of the Terms and Conditions, your right to use the Ria  website will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in the Ria  website or any content on the site is transferred to you, and we, our licensors, along with any of the companies that form part of Our Group and their licensors, all reserve all rights not expressly granted. Any use of the Ria website not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark and other laws. 

17.4 The names Ria, Ria Financial, Euronet Worldwide, Inc., Euronet and Continental Exchange Solutions and all related names, logos, names of products and services, designs and related slogans are registered trademarks belonging to us, Our Group, or its subsidiaries or other licence holders (as the case may be). You may not use these trademarks, names, logos or slogans without our prior written consent. All other names, trademarks and signs shall be used exclusively for identification purposes, and they are registered trademarks of their respective owners. 

18.DISCLAIMER 

18.1 RESPONSIBILITY FOR LOSSES 

You shall be responsible for any losses, expenses or other costs incurred by us, our Group, affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable legal fees) which result from your breach of these Terms and Conditions, including, without limitation, any use of the Ria  website content or Our Money Payment Service other than as expressly authorized in these Terms and Conditions or your use of any information obtained from the Ria website or your negligence, fraud or wilful misconduct. 

18.2 DISCLAIMER OF WARRANTIES 

You must not misuse the Ria  website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attack the Ria website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offense under applicable regulation. If you breach the terms of the present clause, we will report any such breach to the relevant law enforcement authorities, and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Ria website will cease immediately. 

Your use of the Ria  website, its content and Our Money Payment Service is at your own risk. Insofar as is permitted in law: a. the Ria website and any  content obtained through the Ria website are provided on an "as is" and "as available" basis, without any representations, warranties or guarantees of any kind, either expressed or implied; and b. neither we nor any person associated with us makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, timeliness or availability of the Ria website. Without prejudice to the foregoing, except to the extent required by law, neither we nor anyone associated with us represents or warrants that the Ria website or any of its content will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that the Ria  website or the server(s) that makes it available are free of viruses or other harmful components, or that the Ria website or any services or items obtained through the Ria website will otherwise meet your needs or expectations. By means of this clause 19.2, we hereby disclaim all warranties of any kind, either express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, noninfringement, and fitness for a particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under the applicable regulation. 

19.COMPLIANCE WITH INTERNATIONAL OVERSIGHT STANDARDS (SUBJECT TO A COMPREHENSIVE AND/OR THEMATIC ASSESSMENT OF THE PAYMENT SYSTEM BY THE NBU  

RIA is a dedicated company committed to complying with the highest industry standards. We have developed risk-based policies and procedures that are designed to detect and prevent money laundering and terrorist financing and comply with the most demanding requirements of our regulators and designated authorities in Ukraine and globally.  

RIA has established and maintains worldwide compliance and oversight programs including the setting and implementation of international standards and best practices thereto with emphasis on prevention and detection of Money Laundering, Fraud and Terrorism Financing activities.  

RIA´s compliance program is subject to frequent external AML reviews ensuring a robust set-up. The compliance program includes the use of technology driven tools to prevent misuse of RIA by criminals or fraudsters.  Those tools are in-house developments and external and industry-wide recognized systems including programs like Actimize, Integrated Compliance Environment, Ria Graph Analysis Tool. 

RIA operates under a strict and up-to-date real-time compliance regime as it is the policy of the group to adapt to international compliance standards and requirements of countries and territories in which it operates, where regulators’ stringent and demanding programs must be observed without compromise as an operating prerequisite. The developments in the existing software are monitored, payment and security policies are assessed against determined requirements and, where necessary, changes are induced in order to ensure the safe and efficient functionality of these systems.  

RIA’s Correspondents and Sub-Correspondent in Ukraine are obligated to comply with the applicable Ukrainian legislation.