Terms and Conditions

Terms and Conditions - Ireland

RIA Financial Services Ireland Limited - Terms & Conditions

Please read carefully. This is part of a legally binding agreement that will affect your legal rights.

1 Parties

1.1 The agreement is between you and Ria Financial Services Ireland Limited, whose company registration number is 481946 and whose registered office is Embassy House Herbert Park Lane Ballsbridge, Dublin 4 ("RIA"). Ria is acting as the agent in Ireland of Euronet Payment Services Limited whose company registration number is 6975932 and whose registered office is 6th Floor, Watson House, 54 Baker Street, London W1U 7BU ("Euronet"). Euronet is regulated by the financial Conduct Authority (the "FCA") of the UK and is entered into the FCAregister with register number 504630.

2 Transfer Information

2.1 The Transfer will normally be paid in cash but also, where available and if so directed by you, to a bank account (an "Account").

2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent's location. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. RIA makes no representation when the Transfer will be available for collection by the Beneficiary, except to the extent set out in Clause 2.4.

2.3 If you have directed delivery to an Account, RIA makes no representation as to when the bank maintaining the Account will credit the Account.

2.4 Where a transaction is within the European Economic Area ("EEA") RIA will ensure, at the latest, that:

2.4.1 a Transfer paid as cash will be available for collection by the Beneficiary; or

2.4.2 a Transfer to an Account will be credited to the bank maintaining that Account, at the end of the next three Business Days after the date of the transaction. Where a "Business Day" is a day on which the Correspondent providing the service to you is open for business except weekends and national holidays.

2.5 Any requests for transaction received by RIA after 15:00 on a Business Day will be treated as requests received on the following Business Day.

2.6 the Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with RIA.

3 Transaction Limits

3.1 You may be required to present valid identification ("ID") in order to complete the transaction.

3.2 You may not make a single transaction with a value of more than €1,000 (including any fee), except where you meet the requirements set out in Clause 3.4.

3.3 You may not make transactions in a calendar month with a total aggregate value of more than €1,000 (including any fee), except where you meet the requirements set out in Clause 3.4.

3.4 For a transaction that exceeds the limits in 3.2 and 3.3 above RIA shall require you to present further documentation and/or provide further information in order to complete the transaction.

4 Foreign Exchange

4.1 You may request that the Correspondent provides you with information the currency or currencies available in the Beneficiary's country.

4.2 In addition to the transaction fee applicable to the transaction where you request a currency conversion, RIA will apply a currency exchange rate (the "Exchange Rate") to convert the Transfer to the currency of the destination country as set out on the front of the Form.

4.3 Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by RIA will be kept by RIA and/or its Correspondents.

4.4 If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.

5 Refund Information

5.1 Unless payment to the Beneficiary has already been made, RIA shall, within 15 Business Days, refund to you the Euro amount to be transferred less applicable fees and service charges on the condition that you provide RIA a copy of a valid receipt and present valid ID. A receipt is not valid unless the corresponding transaction is processed through RIA's computerised system and contains the computer generated imprint of the Correspondent's name and address, and the correct order number.

6 Liability

6.1 If an incorrectly executed transaction is made you must inform RIA on becoming aware of such a transaction and no later than 13 months after the date of the transaction otherwise RIA will not correct the transaction unless the information about the transaction was not provided or made available by RIA as required by law. You can inform RIA through its Customer Services whose contact details are set out in Clause 13.

6.2 If you provide RIA with incorrect information in the Form regarding the Beneficiary, RIA will not be liable for the non-execution or the defective execution of the transaction. However, RIA will make all reasonable efforts to recover the Transfer. RIA may charge you for the recovery of the Transfer.

6.3 Except as provided below RIA shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. RIA accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. RIA will not be liable for any indirect or consequential loss. RIA will not be responsible for goods and services that may be paid for by a Transfer. RIA shall not be liable for any event of force majeure as described at Regulation 13 of the European Communities (Cross-Border Credit Transfers) Regulations 1999.

6.4 Nothing in this Clause 6 will limit RIA's liability for: (i) death or personal injury from its negligence; (ii) fraud committed by RIA; or (iii) any liability arising under the European Communities (Cross-Border Credit Transfers) Regulations 1999.

7 Data Protection

7.1 We would draw your attention to our Data Protection policy available from our Correspondents and prominently displayed in each of our Correspondents' place of business. In particular we would draw your attention to those provisions relating to the transfer of your personal data outside of the EEA.

8 Complaints

8.1 If you need to make a complaint relating to the Service please contact RIA's Customer Services by telephone, post or email as set out in Clause 13.

8.2 If RIA is unable to resolve your complaint you may also complain to the Financial Ombudsman Services by post addressing your complaint to the Financial Ombudsman Services, 3rd Floor, Lincoln House, Lincoln Place, Dublin, by telephone on 1890882090 - 016620899 or by email at enquiries@financial-ombudsman.org.uk. The financial Ombudsman Service's website is www.financial-ombudsman.org.uk.

9 Entire Agreement

9.1 Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.

9.2 You agree that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and RIA and supersedes and terminates any prior agreement between you and RIA.

10 Rights of Third Parties

10.1 No person other than a party to the agreement will have rights to enforce any provision of the agreement.

11 Severability

11.1 In the event any provision (or part provision) of the agreement (whether in the Terms of the T&C) is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable that provision or part-provision will, to the extent required, be deemed not to form part of the agreement, and the validity and enforceability of the other provisions of the agreement will not be affected.

12 Language, Governing Law & Jurisdiction

12.1 Where RIA provides you with a translation of the English version of the Terms and/or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by RIA to you.

12.2 The agreement is to be construed in accordance with the law of Ireland and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the Irish courts.

13 Contact Us

13.1 RIA's Customer Services may be contacted by telephone on 1800 930 169, by post at Suite 17/18 Dominick Court, 40-41 Dominick Street Lower Dublin or by email at eurocs@riafinancial.com.