1. INTRODUCTION

1.1 This agreement is between you and Ria Money Transfer Services Private Limited ("us") acting through one of Ria's sub-agents ("sub-agents"). The terms in the form are part of this agreement.

1.2 This agreement allows you to receive money that a "sender" has agreed to make available to you in INR and for an amount specified by him, to collect at a Ria or subagent location in the country chosen by the sender, as part of our Money Remittance service, and we will not charge you for this service. Note that the service is for you to receive money as a private individual known to the sender rather than to receive money as a commercial payment.

1.3 Ria's or sub-agent's representatives ("service rep") will process the request for delivery of the amount specified by the sender to you. You must sign the form and accurately complete all your sections in it. The service rep will normally ask for the reference number of the transfer (which you can get from the sender).

1.4 You must provide the service rep with a valid proof of identification (which shall be either one of your passport, your driving license or your Aadhar card or any other valid ID).

1.5 Our contact details: Toll Free No : 18002676543 our website is www.riafinancial.com; our address for writing to us is Ria Money Transfer Services Pvt. Ltd, iThink Techno Campus, 8th Floor, Wing A, off Pokhran Road 2, Behind Yantra Park, Thane West, Maharashtra - 400607 and our email address is cs_south_asia@riafinancial.com

2. RESTRICTIONS ON COLLECTION

2.1 The sender may cancel the transfer.

2.2 We may refuse to allow the money to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.

2.3 You can call us to tell you (unless the law prevents us) the reasons for our refusal and how you can put right any errors that led to our refusal. If the sender prefers (and the law allows), or if the law requires, we will retum the money to the sender.

3. GENERAL

3.1 If the transfer is not made properly or never arrives, we may be liable to the sender. We will not be liable to you, except that nothing in this agreement excludes or limits our liability to the extent that we are unable to exclude or limit it by law.

3.2 We will report money transfers to any government authorities if required to do so by law.

3.3 None of our services involve you having a "deposit" or a deposit account with us (or any other company helping with the transfer) at any time.

3.4 Indian law applies to this agreement {and to our dealings with you with a view to entering into this agreement), and we will communicate with you in English.

3.5 A person who is not a party to this agreement shall not have any rights or otherwise to enforce this agreement.

3.6 Some of these conditions are based on expected regulatory requirements that will not be made until after this document is prepared for printing. If any condition turns out to be inconsistent with a regulatory requirement, we will not rely on it but will treat it as if it did reflect the relevant regulatory requirement and we will make any changes to these conditions that are required to reflect that requirement when they are next reprinted. (A "regulatory requirement” is any law, regulation, code or industry guidance that applies to us).

4. DATA PROTECTION

4.1 We are committed to protecting your privacy. We may use your personal information and the details of the transfer, and store them on our databases, in order to provide you with transfer services, for managing our business (including administering any ongoing relationship with you) and for market research as permitted by applicable law.

4.2 We may, for the above purposes, share the information with our parent and other Ria companies, sub-agents and other service providers. We will not share the information with anyone else except as required by law. We have security practices and procedures in place to restrict access to personal information as appropriate.

4.3 You agree to our collection, use and transfer of your personal information for the above purposes, including transfers to the USA and the country from which the money was sent.

5.COMPLAINTS

We are committed to providing you with the best service at all times. In the unlikely event that you are dissatisfied with our service, please contact us as soon as possible. For full details of our complaints procedure, you can email us at the address in condition 1.5.

6. SEPARATE ARRANGEMENTS

Sub-agents or their service reps may offer you additional services under separate agreements, which do not involve us (and so for which we are not liable). Sub- agents or their service reps may charge you extra for those services, and will use a currency conversion rate of their choice if they involve changing currency.

7. TAXES & SERVICE CHARGES

Local taxes and service charges may be applicable

8. I hereby submit voluntarily at my own discretion that my Aadhaar biometric authentication is meant for establishing my identification to RIA. I am aware and have been made to understand the list of all other officially valid documents that may be submitted for the purposes of KYC. The requirement and purpose of collecting the officially valid document has been explained to me and | consent to the collection and use of the same for the said purpose.