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  • Terms of Service | Sprint Money Express™
    depending on the availability of currency or other conditions existing at the point of payment 9 Money Transfer Cancellations and Refunds For Money Transfers originating in all U S states except California If you instruct Ria to pay a Money Transfer to a Beneficiary and later request that Ria stop the Money Transfer Ria will need to check first with the Paying Agent to determine if the Money Transfer has been paid to the Beneficiary If Ria can confirm that payment has not been made the Money Transfer will be cancelled and Ria will refund the amount of the Money Transfer the Service Charge and any other applicable fees Your refund will be in USD All refunds shall be available within 30 days of the stop order or as soon as the refunds are returned by the Paying Agent whichever is earlier For further information or to file a complaint please contact Wipit s customer service at 1 888 973 9083 10 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 ten 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 ten 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 us at Account Services P O Box 25 Pasadena CA 91102 If you do not receive your refund you may be entitled to your money back plus a penalty of up to 1 000 and attorneys fees pursuant to Section 2102 of the California Financial Code 11 Money Transfer Restrictions We reserve the right in our sole discretion to a reject a proposed Money Transfer b limit the amount of a Money Transfer c require additional information to complete a Money Transfer and or d take reasonable measures with respect to a Money Transfer in an effort to comply with applicable laws and regulations You agree not to attempt to circumvent the parameters of the Money Transfer Service by entering false information or by any other means The Money Transfer Service is offered exclusively for your personal money transfer needs Any other use or attempted use of the Money Transfer 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 The Money Transfer Service available through the Wallet is limited to a maximum amount of 999 00 USD per Money Transfer Your maximum aggregate amount of Money Transfers during any rolling 30 day period is 7 999 99 USD We may establish any and all transactional restrictions applicable to Money Transfers in our sole discretion and may change such restrictions from time to time We will provide you with any legally required notice which may be posted on the Wipit 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 the Money Transfer Service Any Money Transfer that is denied or refunded by the Paying Agent or unclaimed by the Beneficiary will be returned to you or to the original payment method Ria will return any unclaimed refunded or denied Money Transfer to your Account within 30 days If we discover that you provided us with incorrect Beneficiary information we will contact you to correct the Beneficiary information or process a refund of your Money Transfer You are responsible for any fees that your phone service provider charges such as fees for SMS data services and any other fees that your phone service provider may charge in connection with your use of the Money Transfer Service 12 Trademarks Our names and all related names logos products and service names designs and slogans Marks are trademarks of Wipit Ria or our affiliates or licensors as applicable You must not use the Marks without our prior written permission All other names brands and marks are used for identification purposes only and are the trademarks of their respective owners 13 Prohibited Uses In no event may the Wallet or the Money Transfer Service be used in a manner that a harasses abuses stalks threatens defames or otherwise infringes or violates the rights of any other party including but not limited to rights of publicity or other proprietary rights b is unlawful fraudulent or deceptive or otherwise violates any applicable federal state local or international law statute ordinance or regulation c uses technology or other means to access us that is not authorized by us d uses or launches any automated system including without limitation robots spiders or offline readers to access us e attempts to introduce viruses or any other computer code files or programs that interrupt destroy or limit the functionality of any computer software or hardware or telecommunications equipment f attempts to gain unauthorized access to our computer network or user accounts g encourages conduct that would constitute a criminal offense or that gives rise to civil liability h violates this Agreement i attempts to damage disable overburden or impair our servers or networks or otherwise attempts to interfere with the proper working of the Wallet or the Money Transfer Service j infringes on our or any third party s copyright patent trademark trade secret or other intellectual property rights or rights of publicity or privacy k provides false inaccurate or misleading information or l may cause us to lose any of the services from our Internet service provider or other suppliers collectively Prohibited Uses You further agree that you may not refuse to cooperate in an investigation or to provide confirmation of your identity or any information you provide to us in connection with your use of the Wallet or Money Transfer Services 14 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 Money Transfer Service 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 Money Transfer through the Wallet YOU WAIVE AND HOLD US HARMLESS FROM ANY CLAIMS RESULTING FROM ANY ACTIONS TAKEN BY US DURING OR AS A RESULT OF OUR INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER US OR LAW ENFORCEMENT AUTHORITIES OR REGULATORY AUTHORITIES RELATED TO THE MONEY TRANSFER SERVICE OR YOUR USE OF THE MONEY TRANSFER SERVICE 15 Changes to the Money Transfer Service Procedures We may modify or update the Money Transfer Service procedures from time to time in our sole discretion with or without notice except as required by applicable law 16 Links from the Wallet If the Wallet contains links to other sites and resources provided by third parties these links are provided for your convenience only This includes links contained in advertisements including banner advertisements and sponsored links We have no control over the contents of those sites or resources and accept no responsibility for them for any loss or damage that may arise from your use of them or for any merchandise goods or services you may purchase or obtain from them If you decide to access any of the third party websites linked to the Wallet you do so entirely at your own risk and subject to the terms and conditions of use for such websites 17 Disclaimer of Warranties YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR ANTI VIRUS PROTECTION AND ACCURACY OF DATA INPUT AND OUTPUT AND FOR MAINTAINING A MEANS EXTERNAL TO THE WALLET FOR ANY RECONSTRUCTION OF ANY LOST DATA WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL OF SERVICE ATTACK VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR MOBILE DEVICE COMPUTER EQUIPMENT COMPUTER PROGRAMS DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WALLET OR THE MONEY TRANSFER SERVICE TO THE FULLEST EXTENT ALLOWABLE UNDER APPLICABLE LAW AND EXCEPT AS OTHERWISE SET FORTH IN THIS AGREEMENT YOUR USE OF THE MONEY TRANSFER SERVICE IS AT YOUR OWN RISK THE MONEY TRANSFER SERVICE IS PROVIDED ON AN AS IS AND AS AVAILABLE BASIS WITHOUT ANY WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED NEITHER WE NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS SECURITY RELIABILITY QUALITY ACCURACY OR AVAILABILITY OF THE MONEY TRANSFER SERVICE WITHOUT LIMITING THE FOREGOING EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW NEITHER WE NOR ANYONE ASSOCIATED WITH US REPRESENTS OR WARRANTS THAT THE MONEY TRANSFER SERVICE WILL BE ACCURATE RELIABLE ERROR FREE OR UNINTERRUPTED THAT DEFECTS WILL BE CORRECTED THAT THE MONEY TRANSFER SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE MONEY TRANSFER SERVICE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED STATUTORY OR OTHERWISE INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY NON INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW 18 Liability and Limitation on Liability You are responsible for any chargeback claim reversal fee fine penalty and other liability incurred by us another user of our services or a third party caused by or arising out of your breach of this Agreement and or your use of the Money Transfer Service You agree to reimburse us another user or a third party for any and all such liability EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW OUR LIABILITY IS LIMITED TO THE USD AMOUNT SHOWING ON THE FACE OF THE RECEIPT FOR YOUR MONEY TRANSFER INCLUDING SERVICE CHARGES AND ANY OTHER FEES EXCEPT AS PROVIDED IN THE PREVIOUS SENTENCE IN NO EVENT WILL WE OUR AFFILIATES OR OUR 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 MONEY TRANSFER SERVICE INCLUDING BUT NOT LIMITED TO ANY DIRECT INDIRECT SPECIAL INCIDENTAL CONSEQUENTIAL OR PUNITIVE DAMAGES INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE LOSS OF PROFITS LOSS OF BUSINESS OR ANTICIPATED SAVINGS LOSS OF USE LOSS OF GOODWILL LOSS OF DATA WHETHER CAUSED BY TORT INCLUDING NEGLIGENCE BREACH OF CONTRACT OR OTHERWISE EVEN IF FORESEEABLE IF WE DO NOT PROPERLY COMPLETE TRANSACTIONS ON TIME OR IN THE CORRECT AMOUNT IN ACCORDANCE WITH THIS AGREEMENT WITH YOU WE MAY BE LIABLE FOR YOUR LOSSES UP TO THE LIMITATION DESCRIBED IN THE PRECEDING PARAGRAPH HOWEVER WE WILL NOT BE LIABLE IF A THROUGH NO FAULT OF OUR OWN YOU DO NOT HAVE ENOUGH AVAILABLE FUNDS IN YOUR ACCOUNT TO COMPLETE THE TRANSACTION B THE PAYING AGENT OR RECIPIENT REFUSES TO ACCEPT YOUR MONEY TRANSFER C YOUR FUNDS ARE SUBJECT TO LEGAL PROCESS OR OTHER ENCUMBRANCES RESTRICTING TRANSFER D YOU PROVIDE INCORRECT OR INCOMPLETE TRANSACTION INFORMATION TO US OR E IF YOUR USE CONSTITUTES A PROHIBITED USE THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW 19 Indemnification You agree to defend indemnify and hold harmless us our affiliates and our 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 attorneys fees resulting from your violation of this Agreement including without limitation any use of services other than as expressly authorized in this Agreement your use of any information obtained from using the Money Transfer Service or your negligence fraud or willful misconduct 20 Governing Law and Jurisdiction This Agreement and any dispute or claim arising out of or related to this Agreement its subject matter or formation in each case including non contractual disputes or claims shall be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule whether of the State of California or any other jurisdiction 21 Dispute Resolution by Binding Arbitration Any dispute claim or controversy of any kind arising out of or relating to this Agreement or the breach thereof shall be settled exclusively by arbitration administered by the American Arbitration Association AAA in accordance with its Commercial Arbitration Rules including the Optional Rules for Emergency Measures of Protection The Commercial Arbitration Rules are available online at www adr org or by calling AAA at 1 800 778 7879 This arbitration provision is made pursuant to a transaction involving interstate commerce and the Federal Arbitration Act the FAA shall apply to the construction interpretation and enforceability of this provision notwithstanding any other choice of law provision contained in this Agreement You should review this arbitration provision carefully This provision limits your and our ability to litigate claims in court and you and we each agree to waive our respective rights to a jury trial Any arbitration under this provision shall take place on an individual basis class arbitrations and class actions are not permitted You will not have the right to participate as a class representative private attorney general or a member of any class of claimants for any claim subject to arbitration A claim by or on behalf of other persons will not be considered in joined with or consolidated with the arbitration proceedings between you and us Any dispute regarding the prohibitions in the prior sentence shall be resolved by the arbitrator in accordance with this arbitration provision A party who intends to seek arbitration must first send to the other by certified mail a written Notice of Dispute Notice Any Notice to us should be addressed to Account Services P O Box 25 Pasadena CA 91102 Any Notice must a describe the nature and basis of the claim or dispute and b set forth the specific relief sought Demand If you and we do not reach an agreement to resolve the claim within 30 days after the Notice is received you or we may commence an arbitration proceeding During the arbitration the amount of any settlement offer made by you or us shall not be disclosed to the arbitrator until after the arbitrator determines the amount if any to which you or we are entitled You and we agree upon written demand made by you or us to submit to binding arbitration all disputes controversies and claims whether based on contract tort fraudulent misrepresentation statute regulation constitution common law equity or any other legal basis or theory and whether pre existing present or future that arise out of or relate to this Agreement the Money Transfer Service or the benefits provided by them any advertisements promotions or oral or written statements related to Money Transfer Service the relationships that result from the use of the Money Transfer Service or the scope or enforceability of this Agreement including the determination of the applicability of this agreement to arbitrate collectively a Claim The arbitration tribunal shall consist of a single arbitrator mutually agreed upon by the parties or in the absence of such agreement within 30 days from the first referral of the dispute to AAA designated by AAA The arbitrator shall be an active member in good standing of the bar for any state in the continental United States and shall either be an attorney actively engaged in the practice of law for at least five years or a retired judge You and we understand that in an arbitration discovery is more limited than in a court and review by courts is very limited The place of arbitration shall be Los Angeles California or if you so elect within 15 days from the first referral of the dispute to AAA in the federal judicial district of your residence and you will be given the opportunity to attend the proceeding and be heard The arbitral award shall be final and binding Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof All parties retain the right to seek relief in a small claims court for disputes or claims within the jurisdictional limits of the small claims court Each party retains the right to seek judicial assistance a to compel arbitration b to obtain provisional or ancillary remedies or measures of protection prior to or pending arbitration c to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to enforce intellectual property rights and d to enforce any decision of the arbitrator including the final award In no event shall any party be entitled to punitive exemplary or similar damages You and we agree that the arbitrator a shall limit discovery to non privileged matters directly relevant to the arbitrated dispute b shall grant only relief that is based upon and consistent with substantial evidence and applicable substantive law c shall have authority to grant relief only with respect to Claims asserted by or against you individually and d shall provide a written statement stating the disposition of each Claim and a concise written explanation of the basis for the award and shall make specific findings of fact and conclusions of law to support any arbitration award Unless inconsistent with applicable law and except as otherwise provided herein each party shall bear the expense of its respective attorney expert and witness fees regardless of which party prevails in the arbitration We will pay to AAA the portion of the arbitration filing fee that exceeds the cost of filing a lawsuit in the federal court where you live If you are unable to pay the filing fee we will pay it directly upon receiving a written request We will pay all of the remaining administration fees and other costs including the arbitrator s fees for any non frivolous claim measured by the standards set forth in Federal Rule of Civil Procedure 11 b that does not exceed 15 000 For all other claims the arbitrator will decide whether we or you ultimately will be responsible for paying any fees or other costs in connection with the arbitration under the applicable Commercial Arbitration Rules If we made a written offer to settle the dispute before an arbitrator was selected and the arbitrator awards you any relief on the merits that is greater than the value of our last settlement offer then we will a pay you the amount of the arbitrator s award or 5 500 the alternative award whichever is greater and b pay your attorney twice the amount of reasonable attorneys fees and reimbursement for expenses including expert witness fees and costs that your attorney reasonably accrues for investigating preparing and pursuing your Claims in arbitration the attorney premium If we did not make a written offer to settle the dispute before an arbitrator was selected and the arbitrator awards you any relief on the merits you and your attorney will be entitled to receive the alternative award and the attorney premium respectively If any portion of this arbitration provision is deemed invalid or unenforceable the remaining portions of this arbitration provision will remain valid and enforceable This arbitration provision shall survive the expiration or termination of this Agreement 22 Limitation on Time to File Claims ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED WITHIN ONE YEAR AFTER THE CAUSE OF ACTION OR CLAIM ARISES OTHERWISE SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED 23 Waiver and Severability No waiver of any provision of this Agreement by us shall be deemed a further or continuing waiver of such provision or any other term or condition and any failure by us to enforce a right or provision under this Agreement shall not constitute a waiver of such right or provision If any provision of this Agreement is held by a court of competent jurisdiction to be invalid illegal or unenforceable for any reason such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of this Agreement will continue in full force and effect 24 Force Majeure To the extent permitted by applicable law we will not be liable for any delay in performing or failure to perform any of our obligations under this Agreement due to any act cause contingency or circumstance beyond our reasonable control including without limitation fires telecommunications failures utility failures power failures equipment failures software failures labor strife riots wars terrorist attacks nonperformance of vendors or suppliers or acts of God 25 Entire Agreement This Agreement our Privacy Policies and your receipt for any Money Transfer constitute the sole and entire agreement between you and us with respect your use of the Money Transfer Service through the Wallet and supersede all prior and contemporaneous understandings agreements representations and warranties both written and oral with respect to the Money Transfer Service 26 Changes to this Agreement We may revise and update this Agreement from time to time in our sole discretion by posting a revised version on the Wipit Website and the Wallet Except as otherwise required by applicable law the revised version will be effective at the time it is posted You are expected to check the Wipit Website or the Wallet from time to time to take notice of any changes as they are binding on you Your continued use of the Money Transfer Service following the posting of a revised version of this Agreement means that you accept and agree to the changes 27 Contacting Us For customer service additional information or questions regarding the Wallet or the Money Transfer Service please contact Wipit s customer service at 1 888 973 9083 or Account Services P O Box 25 Pasadena CA 91102 Last Updated October 2013 Bill Payment Service The following terms and conditions together with any documents referred to herein collectively this Agreement represent a contract between you you or your and Continental Exchange Solutions Inc d b a RIA Financial Services Ria and Wipit Inc Wipit Ria and Wipit are collectively referred to herein as we or us or our governing the bill payment service provided by Ria the Bill Payment Service via the software based mobile wallet application the Wallet offered by Wipit For purposes of this Agreement a Bill Payment is defined as an electronic payment to a designated Biller pursuant to payment terms entered into the Wallet directly by you b Biller is defined as a commercial entity acceptable to Ria and located in the United States that holds an account to be paid by you and has been designated by you as a payee for your Bill Payment and c Service Charge is defined as the fee charged for a Bill Payment Your wireless service provider Sprint Solutions Sprint and Wipit are not the provider of the Bill Payment Service and you expressly release Sprint and Wipit from any claims related to the Bill Payment Service This Agreement confers rights and remedies upon the parties as well as Sprint who is a third party beneficiary of this Agreement Any questions or support you need related to your Account should be directed to Wipit at 1 888 973 9083 For purposes of this Agreement our business days are Monday through Friday excluding federal holidays even if we are open Wipit s customer service hours are 7AM 12AM ET seven days a week Any reference to days in this Agreement means calendar days unless otherwise indicated PLEASE READ THIS AGREEMENT CAREFULLY BEFORE YOU USE THE BILL PAYMENT SERVICE BY USING THE BILL PAYMENT SERVICE AND BY CLICKING TO ACCEPT OR AGREE TO THIS AGREEMENT WHEN THIS OPTION IS MADE AVAILABLE TO YOU YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THIS AGREEMENT AND OUR PRIVACY POLICIES WITH RESPECT TO THE BILL PAYMENT SERVICE AND BILL PAYMENTS ORIGINATED FROM THE WALLET WHICH ARE DESCRIBED BELOW IF YOU DO NOT WANT TO AGREE TO THIS AGREEMENT OR THE PRIVACY POLICIES YOU MUST NOT USE THE BILL PAYMENT SERVICE 1 CONSENT TO USE ELECTRONIC RECORDS NOTICES AND COMMUNICATIONS In connection with this Agreement and the products and services offered hereunder you may be entitled to receive certain information such as records notices and communications in writing To help with our efforts to protect the environment and to facilitate mobile use of our service we ask that you give us permission to provide these records notices and communications to you electronically instead of in paper form Your consent to use electronic records and your right to withdraw consent To the extent permitted by applicable law you consent to electronically receive all disclosures for the Bill Payment Service and all related services provided to you under this Agreement that we would otherwise be required to provide to you in paper form However we reserve the right in our sole discretion to communicate with you via the U S Postal Service Your consent to receive such disclosures electronically will remain in effect until you withdraw it You may withdraw your consent to receive further records notices and communications electronically at any time by contacting Wipit s customer service at 1 888 973 9083 If you withdraw your consent to receive such records notices and communications electronically you will not be able to use the Bill Payment Service Please note that your withdrawal of consent to receive records notices and communications electronically will not apply to records notices and communications electronically provided by us to you before the withdrawal of your consent becomes effective Your consent covers the following documents Your consent applies to all of the disclosures we would otherwise be required to provide you in paper form including but not limited to receipts for your Bill Payments and terms and conditions applicable to your Bill Payment any updates or changes to those documents and other informational mailings regarding your Bill Payments You must keep your email or electronic address current with us In order to ensure that we are able to provide records notices and communications to you electronically you must notify us of any change in your email address or your mobile phone number by updating your profile for your Wallet account Account at www wipit me sprint the Wipit Website or by calling Wipit s customer service at 1 888 973 9083 Hardware and software you will need To access and retain the records notices and communications we provide to you electronically you must have i a valid email address ii a computer system that operates on a platform like Windows or Mac environment or better iii a connection to the Internet iv a Current Version of Internet Explorer 8 or higher or Mozilla Firefox 7 0 Safari 5 or Chrome 15 users utilizing other browsers may experience compatibility difficulties v a Current Version of a program that accurately reads and displays PDF files such as Adobe Acrobat Reader version 7 or higher vi a computer or device and an operating system capable of supporting all of the above and vii a printer to print out and retain records in paper form or electronic storage to retain records in an electronic form By Current Version we mean a version of the software that is currently being supported by its publisher We may change these requirements from time to time and will update this document accordingly You should retain a copy of all of the records notices and communications we send to you electronically Please indicate your consent to receive and use electronic records communications and notices by checking the I consent to receiving records notices and communications electronically box By providing your consent you are also confirming that you have the hardware and software described above that you are able to receive and review electronic records and that you have an active email account You are also confirming that you have read and understand the consent to use electronic records communications and notices 2 Privacy Policies For an explanation of our information collection use and disclosure practices please review Wipit s Privacy Policy available on the Wipit Website and Ria s Privacy Policy available on Ria s website www riafinancial com collectively our Privacy Policies Please note that the Sprint Privacy Policy does not apply to your Account 3 Access and Account Security In order to use the Bill Payment Service you must have an Account in good standing Ria reserves the right to monitor use of the Bill Payment Service to determine compliance with this Agreement Except as otherwise prohibited by applicable law Ria may limit suspend or terminate your access to the Bill Payment Service including any related services at any time without notice for any reason whatsoever Upon termination of this Agreement your rights to use the Bill Payment Service will terminate immediately and you shall cease all use of the Bill Payment Service The termination of this Agreement will not affect our rights or your obligations arising under this Agreement Except for the rights expressly granted herein Ria reserves all other rights to the Bill Payment Service and no other rights are granted by implication or otherwise You are responsible for making all arrangements necessary for you to have access to the Wallet and for maintaining the hardware and software noted in the section above titled Consent to Use Electronic Records Notices and Communications To access the Bill Payment Service you may be asked to provide certain registration identification and authentication details or other information It is a condition of your use of the Bill Payment Service that all the information you provide to us via the Wallet or otherwise is correct current and complete at all times If you use the Bill Payment Service and you choose or you are provided with a user name password or any other piece of information as part of our security procedures you must treat such information as confidential and you must not disclose it to any third party You agree to immediately notify us of any unauthorized use of your user name or password or any other breach of security You also agree to ensure that you exit from the Wallet at the end of each session You should use particular caution when accessing the Wallet from a public or shared computer so that others are not able to view or record your user name password or other personal information We have the right to disable any user name or password whether chosen by you or provided by us in our sole discretion for any or no reason including if in our opinion you have failed to comply with any provision of this Agreement 4 The Bill Payment Service Ria provides registered users of the Wallet with the ability to initiate Bill Payments to designated Billers via the Wallet For a list of current Billers please see the Wipit Website or the Wallet In order to use the Bill Payment Service you will be required to provide us with information necessary for us to verify your identity to obtain proper Account authorization and to complete the Bill Payment in compliance with applicable federal state and foreign laws and regulations Biller information and verification may also be required When required by applicable law Bill Payments will be reported to federal state local or foreign authorities Unless explicitly stated otherwise any new features that augment or enhance the current Bill Payment Service shall be subject to this Agreement For specific information regarding the Bill Payment Service please contact Wipit s customer service at 1 888 973 9083 5 Bill Payment Authorization When you initiate and submit a Bill Payment via the Wallet you authorize Ria or its designated agent to debit your Account for the amount of such Bill Payment our associated Service Charge and any other applicable fees You are responsible for ensuring that your Account has sufficient available funds for your Bill Payment If Ria executes a Bill Payment pursuant to your Bill Payment instructions and subsequently is advised that your Account had insufficient available funds you remain liable to Ria for the full amount of any such Bill Payment associated Service Charge and any other applicable fees You authorize us to initiate debit and credit entries to your Account in connection with the Bill Payment Service You also authorize us to initiate credits and debits to correct errors This authorization shall remain in full force and effect until we have received notification from you of its termination you may revoke your authorization only by notifying Wipit s customer service by telephone at 1 888 973 9083 at least three days prior to the proposed effective date of the termination of this authorization You agree that all transactions authorized by you shall comply with all applicable federal state and foreign laws and regulations Bill Payments that have been authorized by you shall be processed only on the condition that Wipit has authorized the corresponding debits You acknowledge and agree that Ria is authorized to debit your Account for the principal amount of the Bill Payment the Service Charge and any other applicable fees We may also have terms and conditions that apply to your use of the Wallet and your Account and you must refer to such agreement s in order to determine your rights obligations and liabilities which may include the assessment of cash advance or other fees 6 Service Charges and Additional Fees In consideration of your use of the Bill Payment Service you agree to pay a Service Charge per Bill Payment executed through the Wallet The Service Charge will be debited from your Account The Service Charge in addition to any other applicable fees debited by us directly or on behalf of any U S federal or state governmental authority will be displayed in the Wallet for your authorization prior to submission of the Bill Payment The Service Charge schedule is available on the Wallet and is subject to change from time to time in our sole and absolute discretion In addition to any fees charged by us a Bill Payment may be subject to additional fees assessed by state local or federal authorities 7 Processing Deadlines and Delivery Schedule Subject to verification of your identity receipt of proper Account authorization and completion of the screening for proper compliance with the various applicable laws and regulations Bill Payments will be delivered to the applicable Biller in accordance with the following Standard Bill Payment within 3 business days if received by 6 00 pm Central Standard Time Next Day Bill Payment within one business day if received by 3 00 pm Central Standard Time Same Day Payment within the same business day if received by 1 00 pm Central Standard Time and Immediate Bill Payment within 30 minutes if received by 1 00 pm Central Standard Time The processing deadlines listed above are generalizations and vary by Biller The processing deadlines and delivery schedules are subject to change To see a list of current deadlines and estimated delivery schedules please visit the Wipit Website or the Wallet YOU UNDERSTAND AND AGREE THAT YOU ARE

    Original URL path: https://sprint.wipit.me/legal/terms (2016-02-10)
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  • Ria Privacy Policy | Sprint Money Express™
    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 to or exchange consumer lists or consumer information with third parties 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 By providing us a telephone number including a mobile telephone number You consent to receive autodialed and prerecorded message calls from us If we determine that a telephone number You provided is a mobile telephone number You consent to receiving texts messages from us about Your use of our service at that number which we may do in our sole discretion Message and Data rates may apply To stop receiving text messages text STOP to 45850 To get help text HELP to 45850 or reply HELP to any Ria text message received Users may also call Ria at 877 441 7363 or email supportsms riafinancial com for assistance Further information on the Ria s Privacy Policy is available at http riamoneytransfer com Policy PrivacyPolicy aspx Locator MoneyPass ATMs About Wipit FAQ Contact Us Legal You re leaving this site You are being redirected to the MoneyPass website Click the Continue button below to exit this site or you will automatically be redirected in a few seconds Continue Cancel 2016 Sprint Money Express All rights reserved 2014 Wipit Inc All rights reserved Sprint is not the provider of Sprint Money Express Account MasterCard Prepaid Card Visa Prepaid Card or other products

    Original URL path: https://sprint.wipit.me/legal/ria (2016-02-10)
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  • Sutton Privacy Policy | Sprint Money Express™
    prompt you through your choice s or Visit us online www suttonbank com Please note If you are a new customer we can begin sharing your information 30 days from the date we sent this notice When you are no longer our customer we continue to share your information as described in this notice However you can contact us at any time to limit our sharing Questions Call 800 422 3641 or go to www suttonbank com What We Do How does Sutton Bank protect my personal information To protect your personal information from unauthorized access and use we use security measures that comply with federal law These measures include computer safeguards and secured files and buildings How does Sutton Bank collect my personal information We collect your personal information for example when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card Why can t I limit all sharing Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing What happens when I limit sharing for an account I hold jointly with someone else Your choice will apply to everyone on your account unless you tell us otherwise Definitions Affiliates Companies related by common ownership or control They can be financial and nonfinancial companies We have no affiliates Nonaffiliates Companies not related by common ownership or control They can be financial and nonfinancial companies Nonaffiliates we share with can include companies such as insurance companies Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or

    Original URL path: https://sprint.wipit.me/legal/sutton (2016-02-10)
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  • Sign In | Sprint Money Express™
    redirected in a few seconds Continue Cancel 2016 Sprint Money Express All rights reserved 2014 Wipit Inc All rights reserved Sprint is not the provider of Sprint Money Express Account MasterCard Prepaid Card Visa Prepaid Card or other products and services described on this website All services are provided by Wipit Inc All programs and services are provided as such and may not be available in all areas Wipit reserves the right to change or terminate any services or other program offerings anytime at our sole discretion Sprint Money Express Account is issued by Sutton Bank member FDIC MasterCard Prepaid Card is issued by Sutton Bank pursuant to a license from MasterCard International Incorporated Visa Prepaid Card is issued by Sutton Bank pursuant to a license from Visa U S A Inc International Money Transfer Bill Pay and Top up services from within Sprint Money Express are provided by Continental Exchange Solutions dba Ria Financial Services MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated Visa is a registered trademark of Visa International Service Association Android is a trademark of Google Inc The Android robot is reproduced or modified from work created and shared by Google

    Original URL path: https://sprint.wipit.me/login/tabid/393/Default.aspx?returnurl=%2faccount%2faddmoney%2fbanktransfer (2016-02-10)
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  • Sign In | Sprint Money Express™
    redirected in a few seconds Continue Cancel 2016 Sprint Money Express All rights reserved 2014 Wipit Inc All rights reserved Sprint is not the provider of Sprint Money Express Account MasterCard Prepaid Card Visa Prepaid Card or other products and services described on this website All services are provided by Wipit Inc All programs and services are provided as such and may not be available in all areas Wipit reserves the right to change or terminate any services or other program offerings anytime at our sole discretion Sprint Money Express Account is issued by Sutton Bank member FDIC MasterCard Prepaid Card is issued by Sutton Bank pursuant to a license from MasterCard International Incorporated Visa Prepaid Card is issued by Sutton Bank pursuant to a license from Visa U S A Inc International Money Transfer Bill Pay and Top up services from within Sprint Money Express are provided by Continental Exchange Solutions dba Ria Financial Services MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated Visa is a registered trademark of Visa International Service Association Android is a trademark of Google Inc The Android robot is reproduced or modified from work created and shared by Google

    Original URL path: https://sprint.wipit.me/login/tabid/393/Default.aspx?returnurl=%2faccount%2faddmoney%2fdirectdeposit (2016-02-10)
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  • Page Not Found | Sprint Money Express™
    to exit this site or you will automatically be redirected in a few seconds Continue Cancel 2016 Sprint Money Express All rights reserved 2014 Wipit Inc All rights reserved Sprint is not the provider of Sprint Money Express Account MasterCard Prepaid Card Visa Prepaid Card or other products and services described on this website All services are provided by Wipit Inc All programs and services are provided as such and may not be available in all areas Wipit reserves the right to change or terminate any services or other program offerings anytime at our sole discretion Sprint Money Express Account is issued by Sutton Bank member FDIC MasterCard Prepaid Card is issued by Sutton Bank pursuant to a license from MasterCard International Incorporated Visa Prepaid Card is issued by Sutton Bank pursuant to a license from Visa U S A Inc International Money Transfer Bill Pay and Top up services from within Sprint Money Express are provided by Continental Exchange Solutions dba Ria Financial Services MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated Visa is a registered trademark of Visa International Service Association Android is a trademark of Google Inc The Android robot is reproduced

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  • Tarjeta Visa prepagada | Sprint Money Express™
    for a third party such as merchant 3 In order to comply with government agency or court orders or other legal reporting requirements 4 If you give us your written permission 5 To our employees auditors affiliates service providers or attorneys as needed or 6 As otherwise permitted by law Our complete privacy policy can be found at www wipit me boost legal Our Liability for Failure to Complete Transactions If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you we will be liable for your losses and damages proximately caused by us However there are some exceptions We will not be liable for instance 1 If through no fault of ours you do not have enough funds available in your Card account to complete the transaction 2 If a merchant refuses to accept your Card 3 If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction 4 If access to your Card has been blocked after you reported your Card or PIN lost or stolen 5 If there is a hold or your funds are subject to legal process or other encumbrance restricting their use 6 If we have reason to believe the requested transaction is unauthorized 7 If circumstances beyond our control such as fire flood or computer or communication failure prevent the completion of the transaction despite reasonable precautions that we have taken 8 Any other exception stated in our Agreement with you Other Terms Your Card and your obligations under this Agreement may not be assigned We may transfer our rights under this Agreement Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions We do not waive our rights by delaying or failing to exercise them at anytime If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule law or regulation of any governmental agency local state or federal the validity or enforceability of any other provision of this Agreement shall not be affected This Agreement will be governed by the law of the State of Ohio except to the extent governed by federal law Amendment and Cancellation We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law We may cancel or suspend your Card or this Agreement at any time without prior notice to you except as required by applicable law You may cancel this Agreement by returning the Card to us Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination Except as otherwise required by law or as otherwise provided in this agreement should your Card account be closed we will issue you a credit for any unpaid balances subject to fees as disclosed in this Agreement Information About Your Right to Dispute Errors In case of errors or questions about your Card telephone us at 1 888 973 9082 or write us at Card Services PO Box 25 Pasadena CA 91105 as soon as possible if you think an error has occurred in your Card account We must hear from you no later than 60 days after the earlier of the date you electronically access your account if the error could be viewed in your electronic history You will need to tell us the following 1 your name 2 your Card number 3 why you believe there is an error 4 the dollar amount involved and 5 approximately when the error took place If you tell us orally we may require that you send us your complaint or question in writing within 10 business days We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly If we need more time however we may take up to 45 days to investigate your complaint or question If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is in error so that you will have the money during the time it takes us to complete our investigation Funds will remain contingent on whether we determine if an error occurred If we ask you to put your complaint or question in writing and we do not receive it within 10 business days we may not credit your account For errors involving new accounts or POS we may take up to 90 days to investigate your complaint or question For new accounts we may take up to 20 business days to credit your account for the amount you think is in error We will tell you the results within three business days after completing our investigation If we decide that there was no error we will send you a written explanation You may ask for copies of the documents we used in our investigation If you have any further questions regarding our error resolution procedures please contact us by calling 1 888 973 9082 or by visiting us online at www wipit me boostcard Telephone Monitoring Recording From time to time we may monitor and or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law No Warranty Regarding Goods and Services We are not responsible for the quality safety legality or any other aspect of any goods or services you purchase with your Card Arbitration Purpose This Arbitration Provision sets forth the circumstances and procedures under which claims as defined below may be arbitrated instead of litigated in court Definitions As used in this Arbitration Provision the term Claim means any claim dispute or controversy between you and us arising from or relating to the Card

    Original URL path: https://sprint.wipit.me/es/aspectos_legales/tarjeta (2016-02-10)
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  • Sprint Money Express™
    them into guaranteed cash funds in your account in just seconds The fastest way to load funds Load any check up to 2 000 Low 4 fee per check Funds are guaranteed upon approval Learn More Wipit Account Transfers Send up to 500 instantly to other Sprint Money Express accounts from the Sprint Money Express app It s a simple and convenient way to send money from one account to another Send money from one account to another Transferred funds are instantly available to use in the app with the Sprint Money Express MasterCard or for withdrawal at an ATM Pay no fees for Wipit Account Transfers during a special introductory period Easily accept incoming Wipit Account Transfers Learn More Gift Cards Purchase eGift cards for your family and friends or get yourself something special Giving gifts just got easier Purchase Conveniently In App Free Leaving More to Give Instantly Delivered Learn More Phone Meet Card No Monthly Fees When you sign up for a Sprint Money Express account you automatically receive a MasterCard prepaid card with your name on it and no monthly fees Freedom of Choice Your MasterCard prepaid card is tied to your Sprint Money Express account So when you load your account the card is loaded too You can even check your balance in the app before you make a purchase and view the transaction after Your Cash Everywhere The Sprint Money Express MasterCard is on the MoneyPass network allowing you to withdraw your cash surcharge free at over 20 000 ATMs nationwide Find ATM MasterCard Purchasing Power MasterCard is accepted in over 200 countries and millions of companies so now you have the freedom to spend anywhere MasterCard Debit is accepted Inactive accounts may be subject to a monthly fee Third party fees may apply for non MoneyPass network ATMs See our Schedule of Fees for more information 4 Ways to Add Money Bank Transfer Transfer money to your Sprint Money Express account directly from your bank or credit union Learn More Direct Deposit Deposit all or part of your paycheck automatically to your Sprint Money Express account Learn More Quick Check Take a picture of any check and load it to your account in seconds Learn More Load Cash Visit thousands of nationwide reload locations to add cash to your account Reload Locations None of the Typical Fees Services Setup Add Money Spend Money Get Cash Information Caution Fee Type Sprint Money Express Activation Free Monthly Fee Free See Terms and Conditions for more information on account limits and other restrictions Fee Type Sprint Money Express Bill payment 2 3 day service 2 Next day service 3 Same day service 3 5 depending on the biller Money transfer Prices vary Check prices using the app Mobile top up Domestic Free International Prices vary Check prices using the app Account transfers Free special introductory period Gift cards Free See Terms and Conditions for more information on account limits and other restrictions Fee Type Sprint Money

    Original URL path: https://sprint.wipit.me/Home.aspx (2016-02-10)
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