Serve® Cash Pickup and Money Transfer Powered by Ria

Last Modified: August 14, 2023

 

Welcome to Serve Cash Pickup Powered by Ria and Serve Money Transfer Powered by Ria (the “Service”), a service of Continental Exchange Solutions, Inc., doing business as Ria Financial Services.

 

The following terms and conditions (together with any documents referred to in them) represent a contract between you and Ria Financial Services and apply to your use of the Service via the Serve (“Serve”) Mobile app or website for purposes of making an online money transfer payment to a designated recipient, which may be yourself. A "money transfer" is defined as the transmission of funds to a designated recipient, pursuant to payment terms entered directly by you into the Serve Mobile app or website. A "recipient" is defined as the individual designated by you as the receiver of the money transfer, who is acceptable to us, and who receives the money transfer at a designated paying agent location. A "paying agent" is defined as an entity, appointed by us, to pay out money transfer transactions at the destination identified in your payment instructions. "Service charge" is defined as the fee charged by us in connection with the money transfer. In these Terms of Use, "you," "your," and "user" refer to the person consenting to these Terms of Service.

 

CONSUMER FRAUD ALERT: WIRING MONEY IS JUST LIKE SENDING CASH. PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PERSONS YOU KNOW OR CAN OTHERWISE VERIFY TO BE TRUSTWORTHY. IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD OR A SCAM, PLEASE CONTACT US IMMEDIATELY AT 1-877-443-1399 EXT. 1615 OR BY EMAIL AT FraudPrevention@riafinancial.com AND CONTACT YOUR LOCAL LAW ENFORCEMENT AUTHORITIES.

 

Acceptance of the Terms of Use

Please read the Terms of Use carefully before you send funds through the Serve mobile app or website. By clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy with respect to the Service and money transfer transactions originated from the Serve mobile app or website, which are described below. If you do not want to agree to these Terms of Use or Ria’s Privacy Policy, you will not be permitted use our Money Transfer Service.

 

Privacy Policy

Ria does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer. The law also permits such disclosure where it is released to protect the confidentiality or security of our records pertaining to our consumers, the services or products we offer, or the transactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims or other liability, as well as for resolving consumer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with federal, state or local laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive but provides you with some basic information on some of the types of sharing permitted by law.

 

Ria does not sell consumer lists or consumer information with third parties. Ria does not use information provided by Ria consumers transferring money through the Serve Mobile app or website for marketing purposes.

 

Ria restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Our complete Privacy Policy is available at https://www.riamoneytransfer.com/es-us/bluebird-serve-privacy-policy/

 

Use of Service, Etc.

By using this website, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with Ria.

 

We reserve the right to withdraw or amend any service or material we provide via the Serve Mobile app or website, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the Serve Mobile app or website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Service, or the entire Service, to users, including, but not limited to registered users.

 

You are responsible for ensuring that all persons who you authorize to access the Service through the Serve Mobile app or website are aware of these Terms of Use, have agreed to the Terms of Use, and that they comply with them.

 

It is a condition of your use of the Service that all the information you provide to us through the Serve Mobile app or website (or otherwise) is correct, current and complete at all times.

 

The Service

Ria provides registered users of Serve (each a "user") with the ability to initiate money transfers to designated recipients using their Serve accounts. In order to use the Service, you will be required to provide us, directly, though Serve, or through our service providers acting on our behalf, with information necessary for us to verify your identity and to complete the money transfer in compliance with applicable federal, state and foreign laws and regulations. Recipient information and verification may also be required. When required by applicable law, money transfers will be reported to federal, state, local or foreign authorities. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, shall be subject to these Terms of Use.

 

For specific information regarding our service, please contact Ria's Customer Service Team at 1-877-443-1399.

 

Services Charges and Additional Fees

In consideration of your use of the Service, you agree to pay a service charge per money transfer executed through the Serve Mobile app or website. The service charge will be charged to your Serve account at the time you request a money transfer. The service charge (in addition to any other applicable fees charged by us directly or on behalf of any U.S. federal or state governmental authority) will be displayed online for your authorization prior to submission of the money transfer. Our service charge schedule is subject to change from time to time in our sole and absolute discretion. In addition to any fees charged by Ria, a money transfer may be subject to additional fees assessed by the U.S. federal government, the U.S. state where the money transfer originates or the government of the destination country.

 

Money Transfer Processing and Delivery Schedule

After we have verified your identity and completed the screening for proper compliance with the various applicable laws and regulations, the money transfer is promptly made available to the designated recipient for pick up at the designated location. The speed of payment of a money transfer varies depending on a number of factors, including but not limited to, the amount of the transaction, the restrictions of the point-of-payment (including without limitation the paying agent's hours of operation) and/or the accuracy of the information provided by the user. Money transfers will be paid to the recipient in cash.

 

Money Transfer Cancellations and Refunds (For all U.S. states except California)

If you instruct us to pay a money transfer to a designated recipient and later request that we cancel such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge, to your Serve account. Your refund will be in USD. All refunds shall be available within ten (10) calendar days of the cancellation instruction or as soon as the funds are returned by the paying agent, whichever is first. For further information or to file a complaint, please contact our customer service team at 1-877-443-1399.

 

Money Transfer Cancellations and Refunds (For Money Transfers originating in California only)

"RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if Continental Exchange Solutions, Inc. doing business as Ria Financial Services ("Ria") does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the money shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Ria at 7000 Village Dr. Ste 200, Buena Park, CA 90621. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code."

 

Money Transfer Transactional Restrictions

We reserve the right, in our sole discretion, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer in an effort to comply with applicable laws and regulations. As a user, you agree not to attempt to circumvent the parameters of the service by entering false information, or any other means. The service is offered exclusively for the personal money transfer needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.

 

Except as described in the next sentence with respect to Serve Cash Pickup Powered by Ria money transfers funded with the proceeds of tax refunds Direct Deposited into Serve accounts, the Service available through the Serve Mobile app and website is limited to money transfers for a maximum amount of $2,500 USD per user per 24-hour period (the "Standard Limit"). For Serve accountholders who receive their tax refunds or refund advances via Direct Deposit to their Serve accounts, the Service available through the Serve Mobile app and website is limited to Serve Cash Pickup Powered by Ria money transfers for a maximum amount of the lesser of (i) the tax refund amount that has not previously been redeemed through the Service and (ii) $2,900.00 USD, (the "Tax Refund Limit"). In addition, domestic money transfer services provided by Ria to senders through all Ria modalities, including via the Service, are limited to $9,000.00 in the aggregate per 24-hour period (the “Overall Limit”).

 

Please note: (1) The increased limit for Serve Cash Pickup Powered by Ria money transfers related to tax refund proceeds will expire at the end of the calendar year following the tax year in respect of which the relevant tax refund(s) or refund advance(s) was Direct Deposited into the Serve account, (2) after the date a tax refund(s) or refund advance(s) has been Direct Deposited into a Serve account in any year, all Serve Cash Pickup Powered by Ria money transfers through the Service after the date of such Direct Deposit will be applied against the Tax Refund Limit until the unused portion of the Tax Refund Limit equals or is less than $2,500 USD, in which event the Standard Limit will apply, and (3) the limits described in this section are applied in aggregate across all Serve accounts that you own and which you utilize the Service.

 

Ria may establish any and all transactional restrictions applicable to money transfers in its sole discretion and may change such restrictions from time to time. We will provide you with any legally required notice, which we may post or link-to on our website, the Serve Mobile app or the Serve website.

 

When you submit a money transfer, the paying agent is not required to accept it. You agree that you will not hold us liable for any damages resulting from a paying agent's decision not to accept a money transfer made though our service. Any unclaimed, refunded or denied payment will be returned to you or to the original payment method. We will return any unclaimed money transfer to you, or to the original payment method, within thirty (30) days of the date we are informed that the paying agent has rejected your money transfer transaction.

 

Ria Trademarks

The Ria name, and all related names, logos, product and service names, designs and slogans are trademarks of Ria or its affiliates or licensors. You must not use such marks without the prior written permission of Ria. All other names, brands and marks are used for identification purposes only and are the trademarks of their respective owners.

 

Monitoring and Enforcement; Termination

We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Service, and (b) suspend or terminate your access to the Service for any or no reason, including without limitation, any violation of these terms of use. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through the Serve Mobile app or website.

 

You waive and hold harmless Ria from any claims resulting from any action taken by Ria during or as a result of its investigations and from any actions taken as a consequence of investigations by either Ria or law enforcement authorities or regulator authorities related to the money transfer service or your use of the money transfer service.

 

Changes to the Website and Money Transfer Procedures

We may modify or update the Service and/or money transfer procedures from time to time, in Ria's sole discretion, with or without notice, except as required by law. We may suspend access to the Service, or close it, with or without notice, except as required by law.

 

Information about You and Your Visits to the Website

 

Geographic Restrictions

We provide the Service for use only by persons located in the United States or Puerto Rico.

 

Persons under 18

The service is intended for the use by users who are eighteen (18) years of age or older. Please note that the Service (including, without limitation, the underlying network, system, software, servers, various directories and listings, various message and news boards, tools, information and databases) is not intended for use by persons under eighteen (18) years of age. If it comes to our attention through reliable means that a user is a child under eighteen (18) years of age, we will cancel that user's account and will delete all information regarding such user from our system and records.

 

Liability and Limitation of Liability

Except as otherwise required by law, Ria's liability is limited to the U.S. dollar amount showing on the face of receipt for your money transfer transaction, including service charges. Except as provided in the previous sentence, in no event will Ria, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Service.

 

If Ria does not properly complete transactions on time or in the correct amount in accordance with this agreement with you, Ria may be liable for your losses, up to the limitation described in the preceding paragraph. However, Ria will not be liable if (a) the paying agent or recipient refused to accept and/or complete your money transfer; (b) the recipient did not appear at the paying agent location to collect the proceeds of the money transfer; or (c) you provide incorrect or incomplete transaction information to Ria.

 

Entire Agreement

The Terms of Use, our Privacy Policy, and your receipt for any money transfer transactions constitute the sole and entire agreement between you and Ria with respect to the Service, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, between you and Ria with respect to the Service.

 

Changes to the Terms of Use

Ria may revise and update these Terms of Use from time to time in our sole discretion by posting a revised version on https://www.riamoneytransfer.com/serve-terms-and-conditions/. Except as otherwise required by law, the revised version will be effective at the time we post it. You are expected to check the site https://www.riamoneytransfer.com/serve-terms-and-conditions/ from time to time to take notice of any changes we made, as they are binding on you. Your continued use of the Service following the posting of revised Terms of Use means that you accept and agree to the changes.

 

How to File a Complaint

To file a complaint, please contact Ria Customer Service before contacting your jurisdiction with a complaint.

 

Listed below are ways to contact Ria Customer Service.

 

Call Ria Customer Service - 1-877-443-1399

 

Ria Customer Service - Serve

Attn: Manager, Customer Service Department

7000 Village Dr.,

Buena Park, CA 90621