Remittances User Agreement

Común Remittances User Agreement

Last update: September 15, 2026

Comun, Inc. ("Comun," "we", "us", "our" or the "Company") offers International Remittance Transaction Services ("Service") through its website or application (the "Site"). This is done together with several partners, each of which performs a different part of your Money Transfer: a Banking Partner that holds your funds, converts your funds into Digital Assets, and moves their value toward the Destination Country, an FX Partner that converts your Digital Assets into the currency of the Destination Country, and a Paying Agent that pays your Beneficiary. These are described in the Definitions and in How We Move Your Money below. To use the Service via the Site, you need to agree to the Comun Privacy Policy and this User Agreement (the "Agreement"), which governs how the Service may be used. You may also be required to agree to the terms and conditions, privacy notice or other agreements of one or more of our Partners before you can use the Service or a particular part of it, as described in the Partner Terms section below.

COMUN IS A FINANCIAL TECHNOLOGY COMPANY AND NOT A BANK OR A MONEY TRANSMITTER. COMUN DOES NOT ITSELF HOLD OR MOVE FUNDS AS PART OF THE SETTLEMENT PROCESS. THAT IS DONE BY OUR BANKING PARTNER, AS DESCRIBED IN THE HOW YOUR MONEY IS MOVED SECTION BELOW. FUNDS YOU SEND FOR A TRANSACTION ARE NOT A DEPOSIT.

THIS AGREEMENT CONTAINS A MANDATORY BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER. AS DESCRIBED IN THE DISPUTE RESOLUTION AND GOVERNING LAW SECTION BELOW, BY ACCEPTING THIS AGREEMENT YOU AND WE EACH AGREE TO RESOLVE DISPUTES BY BINDING ARBITRATION AND WAIVE THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING, EXCEPT AS OTHERWISE PROVIDED IN THAT SECTION. THIS DOES NOT WAIVE OR LIMIT ANY RIGHT OR REMEDY YOU HAVE UNDER SUBPART B OF REGULATION E OR ANY OTHER APPLICABLE CONSUMER FINANCIAL PROTECTION LAW.

By your use of the Service, you agree with and accept this Agreement. IF YOU DO NOT AGREE WITH THIS AGREEMENT, YOU MAY NOT USE THE SERVICE.

This Agreement is a Product Agreement for purposes of the Comun Platform Agreement, which continues to govern your Comun Account and your use of the Site. Where this Agreement and the Comun Platform Agreement address the same subject, this Agreement controls as to the Service.

Overview of the Service

The Service allows Comun users to send money to many different countries around the world. We recommend that you use the Service only to send money to people you know personally. You should never use the Service to send money to strangers. Please refer to the Frauds and Scams section below.

The countries, currencies and payout methods currently available, and the current list of approved countries, are shown on the Site and may change from time to time.

Definitions

In this Agreement, the singular includes the plural and vice versa. Capitalized terms not defined here have the meanings given in the Comun Platform Agreement.

The "Banking Partner" is the bank that holds your funds after we receive them and before they are sent to the Destination Country, and that moves the value of your Transaction toward the Destination Country using its own settlement infrastructure, which may include digital settlement technology such as blockchain-based dollar-denominated instruments.

Our current Banking Partner is Cross River Bank.

A "Beneficiary" is someone who receives money from a Sender through the Service.

The "Destination Country" is the country where the Beneficiary receives money through the Service.

The list of the Destination Countries currently available for Transactions: Mexico.

A "Digital Asset" is a digital instrument, such as a stablecoin, into which our Banking Partner converts your funds and that is then transmitted to the Destination Country as part of the Money Transfer.

The "FX Partner" is the entity that converts your U.S. Dollars into the currency of the Destination Country.

Our current FX Partner for Money Transfers to Mexico is: Novupeso, S.A. de C.V.

A "Money Transfer" is defined as the transmission of funds to a designated Beneficiary, pursuant to payment terms entered directly by you into the Site.

A "Partner" means the Banking Partner, the FX Partner, any Paying Agent, and any other bank or payment provider we engage to deliver the Service. Different Partners may serve different Destination Countries and payout methods, and we may engage, remove or replace any Partner at any time. The Partners currently serving each Destination Country are shown on the Site.

The "Partner Terms" means the terms and conditions, user agreement, deposit account agreement, privacy notice, cookie policy, risk disclosure or other legal document of a Partner that we present to you, or make available to you, for your agreement in connection with the Service. The Partner Terms applicable to you, and the Partners to which they belong, are identified on the Site and may change from time to time.

A "Paying Agent" is defined as an entity appointed by us to pay out Money Transfer transactions in the Destination Country identified in your payment instructions.

Our current Paying Agents for Money Transfers to Mexico are: Novupeso, S.A. de C.V. and Pexto México, S.A. de C.V.

A "Payment Instrument" is any payment method you provide to us and that we accept in connection with your use of the Service, including your Comun digital wallet offered by Cross River Bank, Comun Deposit Account offered by Community Federal Savings Bank, Member FDIC, debit card or credit card.

The "Payout Amount" is the amount paid out to the Beneficiary, excluding any taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes").

A "Sender" is someone who uses the Service to send money.

A "Transaction" is a specific instruction to send money through the Service.

The "Transaction Amount" is the calculated amount that the Sender would be obliged to pay for the Transaction if the Sender orders it (and is the amount that the Sender is then obliged to pay us for the Transaction, which our Banking Partner collects on our behalf).

The "Transfer Fee" is defined as the fee charged by us in connection with the Money Transfer.

Accessing the Site and Security

By using the Service, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with the Company.

We reserve the right at any time to withdraw or amend the Service, and any other service or material we offer, in our sole discretion without notice, except as otherwise required by law. We will not be liable if for any reason all or any part of the Service 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.

You are responsible for making all arrangements necessary for you to have access to the Service and for maintaining the necessary hardware and software to use the Service.

You are responsible for ensuring that all persons who access the Service through your mobile phone device or internet connection are aware of the terms of this Agreement, have agreed to such terms, and that they will comply with them.

Charges

For each Transaction that you submit, you agree to pay us a Transfer Fee plus the Transaction Amount, which the Banking Partner collects and debits from your Payment Instrument on our behalf as part of a single charge. Payment in full is due at the time your Transaction is submitted for processing.

The Transfer Fee may vary based on the Destination Country, payout method, Payment Instrument and other factors, and is subject to change at our discretion. The Transfer Fee applicable to your Transaction will be presented to you before you confirm your transfer request.

Comun may offer you a lower Transfer Fee, at our sole discretion. You can review your fee before you confirm your transfer request.

We only accept payment in U.S. Dollars.

Payment for Transactions

You authorize us, and our Banking Partner acting on our behalf, to access, charge, or debit funds from any of the Payment Instruments you provide us in connection with your use of the Service. If your payment fails or is insufficient, you authorize us and our Banking Partner to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we or our Banking Partner may try to debit your bank account or charge your card at a later time or times. You represent and warrant that you are the lawful owner of your Payment Instruments and can make these authorizations. Where you fund a Transaction by debit from a bank account, the ACH Consent in the Comun Platform Agreement applies.

Charges by Third Parties

We are not responsible for any fees or charges that may be imposed by the financial institutions that issued your Payment Instruments. For example, and without limitation, some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" rather than a purchase transaction and may impose additional fees and interest rates for the transaction. We are not responsible for any non-sufficient funds charges, chargeback fees, or any other charges that might be imposed on you by your bank, credit card issuer, or other provider that sent the funds.

We are also not responsible for Local Taxes, or for any fee imposed by a Partner, by an intermediary bank, or in the Destination Country by the Beneficiary's bank, wallet provider or payout location, except to the extent we are required to disclose such amounts to you before you confirm your Transaction.

Foreign Currencies

In addition to the Transfer Fee applicable to the Transaction, a currency exchange rate is applied. The rate we make available to you may include a margin over the rate our FX Partner uses to convert the funds, and that margin is retained by us as part of what you pay for the Service. Exchange rates change frequently and differ by Destination Country. The rate applicable to your Transaction is the rate shown to you before you confirm it.

How Your Money Is Moved

Your Money Transfer passes through several Partners before it reaches your Beneficiary. When you submit a Transaction:

• we send instructions to our Banking Partner to debit the Transaction Amount and the Transfer Fee from your Payment Instrument;
• the funds are held by our Banking Partner for the benefit of Comun customers;
• our Banking Partner converts your funds into Digital Assets equivalent to the value of your Transaction;
• our Banking Partner moves the Digital Assets toward the Destination Country using its settlement infrastructure;
• our FX Partner converts your Digital Assets into the currency of the Destination Country; and
• our Paying Agent in the Destination Country pays your Beneficiary by the payout method you selected.

You do not buy, sell, hold or receive any Digital Asset when you use the Service. You have no Digital Asset account with us or with any Partner. You will never be asked to hold, transfer or convert a Digital Asset during the Money Transfer. The use of any Digital Asset by our Banking Partner as part of its own settlement process will not affect your instruction to us to send a Transaction Amount in U.S. Dollars for payout to your Beneficiary in the Destination Country. The way we and our Partners move that value behind the scenes does not change what you pay, what your Beneficiary receives, or your rights under this Agreement.

No Partner is required to accept instructions from you. Some Partners may require you to enter into their own agreement with them, in addition to this Agreement, before we can provide the Service or a particular part of it. If you have a question or a problem with a Money Transfer, contact Comun, not a Partner, whether or not you have accepted that Partner's Partner Terms.

Funds you send for a Transaction are not a deposit. Comun is a financial technology company and not a bank or a money transmitter and does not itself hold or move funds as part of the settlement process described above; that is done by our Banking Partner. This does not affect Comun's status as, and responsibility as, a remittance transfer provider for your Money Transfer under Subpart B of Regulation E, which Comun retains regardless of the roles performed by our Partners. Any FDIC insurance available in respect of funds held at the Banking Partner pending transmission is subject to the terms, conditions and limitations disclosed by the Banking Partner and to applicable law. Funds held or delivered outside the United States are not insured by the FDIC. To the extent any part of your Transaction is represented by a digital instrument as described above, that instrument is not insured by the FDIC, the Securities Investor Protection Corporation, or any equivalent scheme, in the same way cash in transit between banks is not separately insured while it moves.

Because part of this process depends on the settlement networks our Banking Partner uses, a Transaction, once it has settled with your Beneficiary, may not be capable of being reversed even where you believe there has been an error — this is one of the reasons the Cancellations and Refunds section below matters, and why it is important to check your Beneficiary's details carefully before you submit a Transaction.

Partner Terms

You may have to agree to a Partner's terms as well as ours. Some of our Partners require you to enter into their own agreement with them before we can provide the Service, or before we can provide a particular Destination Country, payout method or Payment Instrument. Where that is the case, we will present the applicable Partner Terms to you, or make them available to you, on the Site before you are asked to accept them, and before you can use the affected part of the Service. You accept Partner Terms electronically, in the same way you accept this Agreement, and the Electronic Communications section below applies to that acceptance.

If you do not accept. If you do not accept the Partner Terms applicable to you, you will not be able to use the Service, or the affected part of the Service. Declining Partner Terms is not a breach of this Agreement, and it does not by itself affect a Money Transfer you have already submitted.

What Partner Terms cover, and what they do not. Partner Terms govern your relationship with that Partner and that Partner's own services. They do not change this Agreement, and they do not change what you pay us, the Transfer Fee, the exchange rate, the Payout Amount, or the Date of Availability. Where Partner Terms conflict with this Agreement in respect of the Service, this Agreement controls. No Partner Terms waive, limit or vary any right or remedy you have under the Cancellations and Refunds section below, under Subpart B of Regulation E, or under any other applicable consumer financial protection law, and we will not present Partner Terms to you that purport to do so. Your right to dispute an error, to cancel within 30 minutes, and to a refund is a right against us, and you exercise it by contacting Comun.

Privacy. A Partner may also ask you to acknowledge its privacy notice. That notice governs how that Partner handles your information, and it is separate from, and does not replace, the Comun Privacy Policy. The Comun Privacy Policy continues to govern our own handling of your information.

Changes and new Partners. Partner Terms may change from time to time at the Partner's discretion, and a Partner may be added or replaced as described in the Modification section below. Where a Partner changes its Partner Terms, or where we engage a new Partner whose Partner Terms apply to you, we will make the current version available to you on the Site, and where the Partner or applicable law requires your renewed agreement, we will ask you to accept it. It is your responsibility to review Partner Terms and any changes to them. If you do not accept a change, you will not be able to continue using the affected part of the Service.

Our responsibility. We are not responsible for a Partner's performance of its Partner Terms, and a Partner is not responsible for our performance of this Agreement. Nothing in any Partner Terms makes us a party to your agreement with that Partner, or makes that Partner a party to this Agreement, except where this Agreement expressly says otherwise.

Disbursement

Paying Agents. We maintain relationships with Paying Agents to deliver funds to Beneficiaries. Different Paying Agents may serve different Destination Countries and different payout methods, and we may appoint, remove or replace a Paying Agent at any time and without amending this Agreement. As a Sender, you hereby appoint your Beneficiary as your agent for the purpose of receiving funds remitted by you through the Service.

We will strive to provide current information through the Site with regard to our Partners, including our Paying Agents. However, as a user, you agree that we will bear no responsibility for any inaccuracies that may be posted on the Site.

A Partner may suspend, delay, restrict or cease providing its services, with or without notice to us. Where that happens, we may need to delay a Money Transfer, route it through a different Partner, or refuse or refund it under the Cancellations and Refunds section below.

Beneficiary's Identification

Where funds are paid out in cash, Beneficiaries are required to present valid and acceptable identification documents to the Paying Agent prior to receiving funds. In addition, Beneficiaries may be required to provide a Transaction number and other related information or a similar verifier associated with that Transaction. Where funds are paid out to an account or wallet, the account or wallet identifier and the Beneficiary name you provide must match the records of the receiving institution. You hereby grant us permission to store and rely on the data we may deem necessary in order to have the Beneficiary verify the Transaction and to provide complete, secure and efficient Service, as per this Agreement.

You are responsible for the accuracy of the Beneficiary information you enter. We will have no liability for return of funds or any claims under any circumstances if such information is not correct.

Restrictions

The Service available through the Site is limited to Money Transfers for a maximum amount of $2,999 USD per user per calendar day. We may establish any and all transactional restrictions applicable to Money Transfers in our sole discretion with varying thresholds for varying periods of time (for example, a dollar limit for two weeks, a separate dollar limit for 4 weeks, 6 weeks, 2 months, 3 months, and so on) and may change such restrictions from time to time. We will provide you with any legally required notice, which we will post on the Site.

We maintain vigilance to ensure that the Service is not used for any improper or illegal purpose. By using the Service, you agree to abide by the following additional terms:

• You will provide truthful and accurate information at all times to us when using the Service.
• You will only utilize the Service to send funds for yourself and not for other people, especially persons whom you do not know.
• You must be at least 18 years of age to utilize the Service.
• You will only use the Service for a legal money transfer and will not use the Service for any improper purpose, such as illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, money laundering or financial support of terrorists or terror-supporting organizations.
• You will not use the Service to send multiple Transactions under different names or profiles or in coordination with other persons, or to send Transactions to Beneficiaries in more than one country.
• You will comply with, and not attempt to avoid, our identification, recordkeeping and reporting requirements.
• You will not use the Service to obtain a cash advance from a credit card.
• You will not use the Service in a way that would breach the Prohibited Activities section of the Comun Platform Agreement.
• You will comply with any Partner Terms you have accepted.

The Service is available to customers in all U.S. states.

The Service may only be used to send funds to approved countries, the current list of which can be found on the Site, and which can change from time to time. We enable a Destination Country only where we and each relevant Partner are permitted to operate. We may decline any Transaction to a country, region, institution or person subject to sanctions or other legal restriction, whether or not that country otherwise appears on the Site.

We reserve the right to decline or reject, at our sole discretion, any Transaction at any point before delivery of the underlying funds. In that case, we will credit the funds and Transfer Fee promptly back to the Sender.

Only individuals who have entered into this Agreement with us may use the Service. No entity may register to use the Service and no entity may be named as a Beneficiary; only individuals may be named as Beneficiaries.

The "Date of Availability" of the remittance to the Beneficiary is understood to the extent permitted by the operating hours and banking system availability in the Destination Country. The Date of Availability may vary due to differences in the regulations of the Destination Countries or policies as set by our Partners.

a. For certain cash transactions:

Due to security risks with carrying cash, a foreign bank could offer the Beneficiary an account credit or other option, as a safer alternative to cash payment. Please alert your Beneficiary that they may reject the offer and be paid cash anyway. If such cases occur, please report this situation to us by email to ayuda@comun.app or call us at +1 (646) 600-5660 for prompt action.

There may be cases where cash may not be available at a specific location and the Paying Agent may ask your Beneficiary to come back later. Please inform us of these situations by email to ayuda@comun.app or call us at +1 (646) 600-5660 for prompt action.

b. Restrictions on Beneficiaries

At our sole discretion, we may refuse to process Transactions for certain Senders and Beneficiaries and to certain locations, including without limitation, those entities and individuals included on certain government "watch lists", including Specially Designated Nationals, non-cooperative or terror-supporting countries and territories, and such other lists as may be issued from time to time by government agencies or watch list organizations. Where a Transaction does not clear this or a similar screening conducted by us or a Partner, we or that Partner may place the funds on hold, and the funds will be released, returned or otherwise handled only as required or permitted by the U.S. Department of the Treasury's Office of Foreign Assets Control or another applicable regulator, which may take longer than the refund timing described in the Cancellations and Refunds section below.

Applicable law may also require us or a Partner to collect and verify additional information about you or your Beneficiary before a Transaction can be completed, including information about the source or purpose of the Transaction. If that information is not provided promptly, or cannot be verified, your Transaction may be delayed, and in some cases the funds may be held until the required information is received.

Collection of Information

Privacy Policy. By agreeing to this Agreement, you acknowledge and consent to the Comun Privacy Policy, available at https://en.comun.app/legal/privacy-policy. The Privacy Policy describes the information we collect in connection with the Service, including your Transaction data and the Beneficiary information you provide, how we share it with each Partner in order to deliver your Money Transfer, and your rights in respect of that information. Because your Money Transfer passes through several Partners, your information and your Beneficiary's information will be shared with more than one of them, and each Partner handles that information under its own privacy notice and under the law that applies to it. You may be asked to acknowledge a Partner's privacy notice as part of the Partner Terms, as described above. Because a Money Transfer is paid out outside the United States, the Beneficiary information and related Transaction information will be transferred to, processed and stored in the Destination Country and other jurisdictions outside the United States, and will be subject to the laws of those jurisdictions, which may afford less protection than United States law. You represent that you have the Beneficiary's consent to provide their information to us and to our Partners.

If you have a Money Transfer pending when you deactivate your Comun Account, your access to the Service will end but your pending Money Transfer will continue to completion.

Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information and an explanation of the source of your funds. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit the Site. Please see our Privacy Policy.

Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies and in other legal proceedings as well as to our professionals and auditors, all subject to confidentiality agreements, as described in our Privacy Policy.

Verifying Information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your e-mail address or Payment Instruments or source of funds, such as employment, or verifying your information against third-party databases or through other sources.

Cancellations and Refunds

Disputes. You have a right to dispute errors in your transaction. If you think there is an error, contact Comun within one hundred and eighty (180) days. You can also contact Comun for a written explanation of your rights. You can cancel for a full refund within thirty (30) minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about the Company, refer to the name and contact information of the State Banking Department, including toll-free number and website or email data, referenced on your receipt, or contact the Consumer Financial Protection Bureau: 855-411-2372 / 855-729-2372 (TTY/TDD) www.consumerfinance.gov.

Stop Payments. If you instruct us to pay a Transaction to a designated Beneficiary and later request that we stop the payment of such Transaction within the time frames set from time to time by us (but in no event will the time limit we set be less than thirty (30) minutes from the time on the receipt of the Transaction), we will need to check first with the Paying Agent, and where necessary with our other Partners, to determine if the Transaction has been paid to the Beneficiary. If we can confirm that payment has not been made, the Transaction will be canceled and we will refund or credit back to you, to the Payment Instrument used by you to fund the Transaction, the amount of the Transaction, including the Transfer Fee. Your refund or credit will be in USD. All refunds or credits shall be available promptly.

We do not compensate you for any change in the exchange rate between the time your Transaction is submitted and the time it is refunded.

Right to Refund. Refunds of principal amount and the Transfer Fee and cancellation of the Money Transfer will be made upon written request, which may be in electronic form, of the Sender received within the time frames set from time to time by us (but in no event will the time frame we set be less than thirty (30) minutes from the time on the receipt of the Transaction), if payment to the Beneficiary has not yet been made at the time the request is processed. We will have no liability for return of funds or any claims under any circumstances if any information required for the correct and timely facilitation of your Money Transfer is not correct.

The following provision applies only to transactions from California:

RIGHT TO REFUND: You have a right to dispute errors in your transaction. If you think there is an error, contact Comun within 180 days. You can also contact Comun for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about the Company, contact: Department of Financial Protection and Innovation: 866-275-2677 www.dfpi.ca.gov. Consumer Financial Protection Bureau: 855-411-2372 / 855-729-2372 (TTY/TDD) www.consumerfinance.gov.

RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if the Company does not forward the money received from you within ten (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 receipt of 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 contact Comun. 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.

Consumer Complaints

Please contact Comun if you have any problems with the Service. Residents of various jurisdictions should also look at the receipt for federal and state agencies, with email addresses, toll-free numbers and mailing addresses for such government agencies, that may be contacted to report such a customer complaint.

Intellectual Property

You acknowledge that the Service, including but not limited to the content of the Site, text, graphics, links, buttons, logos, and images, as well as all other Comun copyrights, trademarks, service marks, logos, and product and service names are owned exclusively by Comun, by the Company or by an affiliate of either (the "Intellectual Property"). You agree not to display, use, copy, or modify any Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated or electronic device to access the Service; (ii) remove or alter any trademark or other proprietary notice or legend displayed on the Site, or on printed pages of it; or (iii) infringe Comun's, the Company's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

Monitoring and Enforcement; Termination

We and Comun 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 Site, and (b) suspend or terminate your access to all or part of the Site or the Service for any or no reason, including without limitation, any violation of this Agreement. 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 any person effecting a transaction on or through the Site.

Suspension or termination does not affect a Money Transfer already in process, which will be completed or refunded in accordance with this Agreement and applicable law, or your rights under the Cancellations and Refunds section above.

YOU WAIVE AND HOLD HARMLESS THE COMPANY AND COMUN FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATION(S) AND FROM ANY ACTION(S) TAKEN AS A CONSEQUENCE OF ANY INVESTIGATION(S) BY EITHER THE COMPANY, ITS AGENTS OR LAW ENFORCEMENT AUTHORITIES OR REGULATORY AUTHORITIES RELATED TO THE SERVICE OR YOUR USE, OR ATTEMPTED USE, OF THE SERVICE.

Links from the Site

If the Site 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 or 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 Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Disclaimers

Section 3.8 of the Comun Platform Agreement disclaims all warranties regarding the Platform and the Comun Services, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. That disclaimer applies to the Service, and to each Partner, in the same way it applies to Comun.

We will use our best efforts to ensure the timely processing of Transactions but make no claims or warranties regarding the time needed to process a Transaction to completion except as specifically stated on the receipt as to Date of Availability, because, to a great degree, the Service depends on factors outside our control. These factors include the operating hours and processing schedules of each Partner, the settlement networks a Partner uses to move value on our behalf, banks and payment systems in the Destination Country, and the Beneficiary's bank, wallet provider or payout location, as well as weekends and public holidays in the United States and the Destination Country, and compliance review by us or by any Partner. Because your Money Transfer passes through more than one Partner, a delay at any one of them may delay the Money Transfer.

Indemnity

The indemnification obligations that apply to your use of the Service are set out in Section 3.6 of the Comun Platform Agreement. That provision covers Comun and its Financial Service Providers, a term that includes each Partner involved in your Money Transfer, and it applies to the Service in the same way it applies to your Comun Account.

Limitation of Liability

Section 3.7 of the Comun Platform Agreement limits Comun's liability to you to $500.00 in the aggregate and disclaims liability for indirect, incidental, special, consequential and exemplary damages, including loss of profits, goodwill, use, data and other intangible losses. That limitation applies to the Service, except for claims under the California Financial Code arising from Transactions originating in California, claims under Subpart B of Regulation E, 12 C.F.R. Part 1005, or claims under other applicable state or federal laws restricting limits on liability under these circumstances.

Because your Money Transfer is carried out by us together with one or more Partners, this $500.00 limit applies in the aggregate to us and to all Partners combined, and not separately to each of them: you are not entitled to recover more than $500.00 in total (in addition to a refund of the Transaction Amount and Transfer Fee), regardless of how many of us contributed to a loss.

Except for our responsibilities under the Cancellations and Refunds section above and under Subpart B of Regulation E and any other applicable consumer financial protection law, which we retain as a remittance transfer provider regardless of any act or omission of a Partner, and subject to applicable law, we are not liable for any act or omission of a Partner, including any delay, error, suspension, refusal or failure to pay by a Partner.

Nothing in this Agreement waives, limits or varies any right or remedy you have under Subpart B of Regulation E or any other applicable consumer financial protection law. Where a Partner's act or omission gives rise to an error in your Money Transfer, your rights under the Cancellations and Refunds section above are unaffected by the fact that the error occurred at a Partner rather than at us.

Dispute Resolution and Governing Law

Governing Law. This Agreement is governed by the same law as the Comun Platform Agreement, currently the laws of the State of New York without regard to conflict of law principles (Comun Platform Agreement, Section 3.16), without limiting any mandatory consumer protection law of your state of residence.

Disputes with Us. If a dispute arises between you and us, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes regarding the Service may be reported to customer service (see Contact Us below) and to the government agencies listed on your receipt.

Arbitration. Except as otherwise provided in this section, any dispute arising in connection with this Agreement will be resolved by binding arbitration in accordance with the Arbitration Provision and Class Action Waiver in the Comun Platform Agreement, and by accepting this Agreement you and we each waive the right to a trial by jury and to participate in any class action or representative proceeding. Nothing in that provision or in this section waives, precludes or limits your right to bring an individual action in small claims court, to pursue an enforcement action through an applicable federal, state or local agency, to seek injunctive relief in aid of arbitration, or to file suit to address an intellectual property infringement claim.

Electronic Communications

You acknowledge that this Agreement shall be entered into electronically. Unless otherwise required by applicable law, the following categories of information ("Communications") will only be provided by electronic means and not in paper format or through other non-electronic means: (i) this Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; and (v) any other communication related to the Service. Electronic means may also include SMS or texting.

Message and data rates may apply when you receive SMS messages on your mobile phone.

You may withdraw your consent to receive all Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this Agreement.

In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, (ii) an e-mail account and the capability to read e-mail from us, and (iii) a device and Internet connection capable of supporting the foregoing.

Miscellaneous

Customer Updates. You must promptly update us with any change in your e-mail address or telephone number by updating your profile on the Site. If we do not have correct contact information, we may not be able to notify you of important information or changes in your Transaction status.

No Waiver. Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intent of this Agreement as reflected in the provision, and the other provisions of this Agreement shall remain in full force and effect.

Modification. We may modify this Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of this Agreement at any time by reviewing the Site. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.

We may change the countries, currencies, payout methods, Payment Instruments, fees and limits available through the Service, and may engage, remove or replace any Partner, without amending this Agreement. Where engaging or replacing a Partner means that new or different Partner Terms apply to you, the Partner Terms section above applies.

Language. In the event that there is any inconsistency between the English and Spanish or other language text on the Site, including this Agreement, the English text shall be binding.

Relationship to Comun's Other Agreements. This Agreement, the Comun Platform Agreement, the Comun Privacy Policy and any Partner Terms you have accepted together govern your use of the Service. In the event of conflict, the following order applies:

1. your rights under the Cancellations and Refunds section above, and under Subpart B of Regulation E and any other applicable consumer financial protection law, control over everything else;
2. this Agreement controls as to the Service, including over any Partner Terms and over the Comun Platform Agreement;
3. Partner Terms control as to that Partner's own services and your relationship with that Partner; and
4. the Comun Platform Agreement governs in all other respects.

Frauds and Scams

HELP PREVENT CONSUMER FRAUD!

• Are you sending money to claim lottery or prize winnings, or on a promise of receiving money?
• Are you sending money because you were guaranteed a credit card or loan?
• Are you responding to an Internet or phone offer that you are not sure is honest?
• Are you sending money to someone you do not know or whose identity you can't verify?
• Are you sending money to someone, particularly if outside the country, who claims to be a relative needing cash for an emergency?

If so, do NOT send the money or, if you have, ask Comun's customer service agents to request that your transfer be stopped immediately. If your money has not been picked up yet, or otherwise taken, we will process the return for you. Once your Transaction has been picked up or credited to an account, which can happen in a short time, the Transaction is considered concluded, except in the cases of fraud.

Other Terms

Our Right to Refuse or Limit Transactions. At our sole discretion, we may refuse any Transaction or limit the amount to be transferred, whether on a transactional or aggregate basis. At our sole discretion, such limits may be imposed on individuals, linked accounts, related accounts or households, for any of the foregoing, whether based on real or perceived issues. We reserve the right to change or discontinue the Service, or any part of it, including any Destination Country or payout method, to any person with or without prior notice and with or without reason.

Due Diligence and Verification. We have a regulatory obligation to verify customer information, and to monitor and track certain types of Transaction activity. Customer information that we may select to verify may include customer identity, instructions, Beneficiary identification, means of payment for a Transaction and any other information deemed possibly relevant to a review of the Transaction or Transactions. Each Partner is also subject to its own regulatory obligations and may conduct its own screening and review of a Money Transfer. These compliance processes, whether carried out by us or by a Partner, may cause certain Transactions to be delayed or rejected.

Commercial Transactions. The Service may not be used for commercial purposes. You agree that any commercial use of the Service is in violation of this Agreement and is undertaken at your own risk. If we discover that you are using the Service for such impermissible purposes, we reserve the right to reject your Transactions and terminate your right to use the Service at any time without notice or liability.

Limitations on Payment Instruments. Only specific Payment Instruments are eligible for use with the Service. We reserve the right, at our sole discretion, at any time to refuse or reject payment by certain types of Payment Instruments. Transactions must be settled with a Payment Instrument issued by a U.S. financial institution.

Transactions on Behalf of Third Parties. No Transactions on behalf of third parties are permitted.

No Post-Submission Changes. No changes will be permitted to your Transaction after its submission for processing. It is the Sender's responsibility to ensure accuracy in the Transaction details before submitting the Transaction.

Taxes. You are solely responsible for determining and paying any tax applicable to your Transactions, including any Local Taxes. Neither Comun nor the Service provides legal, financial or tax advice.

uLink Remittance User Agreement

Last update: October 6, 2026

"We," "us," and "our" means Servicio UniTeller, Inc. (d/b/a "uLink") and our successors, assignees or affiliates. Servicio UniTeller, Inc., NMLS ID 928684, is referred to in this Agreement as "the Company" or "uLink".

"You" and "yours" means you the Customer who has registered to use the Service as provided for under the following terms and conditions of this Remittance User Agreement (the "Agreement"). These terms and conditions shall apply both to individual persons (consumers) and legal entities including corporations, limited liability companies, organizations and other business entities established pursuant to applicable law.

1. Overview of the Service

The service (the "Service") allows individuals or entities to send and receive money via the Company's uLink mobile application ("uLink App") or uLink website available at https://ulink.com ("uLink website"). A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and taxes, if any, and prior to any foreign exchange conversion.

The 'Payout Amount' is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the 'Local Taxes').

2. Accessing the Service

a. Eligible Users. You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

b. Not Available to Certain Residents. The Service may not be available in whole or in part in certain states, countries, or jurisdictions. The Service is only available in those U.S. jurisdictions where the Company is licensed or otherwise authorized in accordance with applicable law.

c. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion.

3. Payment

a. Charges. For each Transaction that you submit, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges, such as taxes, may apply. Payment is due at the time your transaction is submitted for processing. The Company only accepts payment in U.S. Dollars.

b. Payment. In order for us to collect payment from you, you authorize us to access or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument" including, for example, your credit/debit card or bank account). If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).

c. Other Charges. The Company is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. The Company is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.

d. Foreign Currencies. Based on the difference between the exchange rate at which we purchase a foreign currency and the exchange rate offered to you, the Company and its Service Providers (defined below) typically profit when you pay for a Transaction in a currency and it settles in another currency. You agree that when you make a transaction to the payee's bank account, that account is in the same currency as the transaction.

e. Other Financial Obligations. To the extent permitted by law, the Company has the right to collect from you the Transaction Amount and Service Fee of any uncollected or reversed Transaction, plus any fees assessed and collection expenses, court costs and attorneys' fees. To the extent permitted by law, you agree to hold the Company harmless from any losses, costs, expenses or damages it may incur in connection with collecting for any Transaction or in defending any such actions, including court costs and legal fees. You may be reported to a collection agency or credit bureau if you do not pay for any Transaction or Service Fee that you have authorized on our website in accordance with this Agreement. You authorize the Company to debit your Payment Instrument, bank account or debit card account and/or charge against your credit card account for any amounts owing to the Company as described herein.

4. Disbursement

Service Providers. We work with local destination banks, money exchange houses, and other third-party service providers (each, a "Service Provider") to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service.

5. Restrictions

a. General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in the Company's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.

b. Delays. Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with applicable law. Business hours and currency availability may also play a role. However, if your transaction is cancelled you will be entitled to a refund in accordance with these terms.

c. Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules, or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, the Company reserves the right to report you to the appropriate law enforcement agency or agencies.

d. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Office of Foreign Assets Control Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other applicable government agencies.

e. Transactions on Behalf of Others. You may not submit or receive a Transaction on behalf of any other undisclosed person or business entity. If you intend to submit or receive a Transaction on behalf of any other individual or business entity, you must disclose this fact to the Company so before the Transaction is processed. You agree to provide us with complete and accurate information with respect to such individual or business entity as requested by the Company and in accordance with applicable law.

f. No Changes. We generally do not let you change the details of your Transaction once it is submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate. That being said, we will always endeavor to make changes if, and when, possible.

g. Restricted Activities. In connection with your use of our website or the Service, or in the course of your actions with the Company, a user or a third party, you shall not:

I. Breach this User Agreement, or any other agreement between you and the Company;

II. Open more than one account, without our prior written permission;

III. Provide false, inaccurate, or misleading information;

IV. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

V. Use an anonymizing proxy;

VI. Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission.

6. Collection of Information

a. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to the Company's Privacy Policy. The Privacy Policy can be found at https://ulink.com/privacy-policy/.

b. Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, applicable law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-public personal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.

c. Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy and in accordance with applicable law.

d. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.

7. Problems

General. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement.

ERROR RESOLUTION

WHAT TO DO IF YOU THINK THERE HAS BEEN AN ERROR OR PROBLEM WITH YOUR TRANSFER:

If you think there has been an error or problem with your remittance transfer, please:

Email us at: customersupport@uniteller.com

Or call us at: 1-800-456-3492

Or write to us at: Servicio UniTeller, Inc., 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662

You must contact us within 180 days of the date we promised to you that funds would be made available to the Recipient. When you do, please provide the following information:

(1) Your name, address, telephone number, and email address;

(2) The error or problem with the transfer, and why you believe it is an error or problem;

(3) The name of the person receiving the funds, and if you know it, his or her telephone number or address;

(4) The dollar amount and date of the transfer; and

(5) If available, the confirmation number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. 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 any documents we used in our investigation.

WHAT TO DO IF YOU WANT TO CANCEL A REMITTANCE TRANSFER:

You have the right to cancel a remittance transfer and obtain a full refund of all funds paid to us, including any fees. In order to cancel, you must contact us at the phone number or email address above within 30 minutes of payment for the transfer, unless the funds have been picked up or deposited to the Recipient's account.

When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into the Recipient's account.

For questions or complaints about the Company, contact: the State Regulatory Agency, phone number, and website provided here https://ulink.com/customer-complaints/ or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372 (TTY/TDD), www.consumerfinance.gov.

Consumer Fraud Warning: If you are sending money based on an uncertain promise of goods or services, for the collection of a prize, or to an unknown party, you may be a victim of fraud. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1-800-456-3492.

STATE-SPECIFIC INFORMATION:

Money transmission services are provided by Servicio UniTeller, Inc. (d/b/a uLink), NMLS ID 928684, a licensed money transmitter. Customer service: 1-800-456-3492. customersupport@uniteller.com.

For California Residents Only: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dfpi.ca.gov, or by mail at the Department of Financial Protection and Innovation, Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811.

The following applies only to Transactions that are submitted by Senders in California:

Right to Refund: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Servicio UniTeller, Inc. 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 moneys 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 Servicio UniTeller, Inc. at 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662. 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.

In addition to the above, you have the following rights: You are entitled to obtain a refund or request that the Company make funds available to the designated recipient, without additional cost to you or the designated recipient, if following the assertion of an error, which includes failure to make funds available on the date of availability, within 180 days of your transaction, the Company determines that an error occurred.

For Alaska Residents Only: If your issue is unresolved by Servicio UniTeller, Inc. (d/b/a "uLink"), 1-800-456-3492, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call (907) 465-2521.

For Vermont Residents Only:

In accordance with the state of Vermont we will not disclose non-public personal financial information only with your written authorization, unless otherwise permitted by law. Written authorizations may be delivered to us by email at customersupport@uniteller.com or mail to Servicio UniTeller, Inc., 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662. Your consent or consent revocation must include your name, address and your signature. Any questions please contact us at 1-800-456-3492.

For Minnesota Residents Only:

FRAUD ALERT

Sending money to someone you do not know or whose identity you cannot verify may expose you to fraud. If you suspect a scam, ask the agent to stop your transfer immediately, or call Servicio UniTeller, Inc. at 1-800-456-3492 to report fraud or suspected fraud.

Questions or Complaints

For questions or complaints about Servicio UniTeller, Inc.'s money transmission services, please contact:

Servicio UniTeller, Inc.

Attention: Customer Service

218 Route 17 North, 4th Floor

Rochelle Park, NJ 07662

Telephone: 1-800-456-3492

Email: customersupport@uniteller.com

You may also contact the Minnesota Department of Commerce with questions or complaints about Servicio UniTeller, Inc.'s money transmission services:

Minnesota Department of Commerce

85 7th Place East, Suite 280

Saint Paul, MN 55101

Telephone: 651-539-1600 or 1-800-657-3602

Email: consumer.protection@state.mn.us

File a complaint online: https://mn.gov/commerce/consumer/file-a-complaint/

You may also submit a complaint to the Consumer Financial Protection Bureau:

Telephone: 1-855-411-2372

TTY/TDD: 1-855-729-2372

Website: https://www.consumerfinance.gov/complaint/

If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to The State Banking Departments or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372 (TTY/TDD) www.consumerfinance.gov.

Alabama Customers:

Alabama Securities Commission

Enforcement Division

http://www.asc.state.al.us

Telephone number: 800-222-1253

Alaska Customers:

If your issue is unresolved by Servicio UniTeller, Inc. (d/b/a "uLink"), 1-800-456-3492, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call (907) 465-2521.

Arizona Customers:

Arizona Department of Insurance and Financial Institutions

https://difi.az.gov/file-complaint

Telephone number: 602-364-3100

Arkansas Customers:

Arkansas Securities Department

securities.arkansas.gov

Telephone number: 800-981-4429

By mail: Arkansas Securities Department, Heritage West Building, Suite 300, 201 East Markham Street, Little Rock, AR 72201

California Customers:

Department of Financial Protection and Innovation

Attn: Consumer Services Office

Toll Free: 1-866-275-2677

Email: consumer.services@dfpi.ca.gov

By Mail: California Department of Financial Protection and Innovation, Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811

Colorado Customers:

Colorado Division of Banking

Companies other than FDIC-insured financial institutions that conduct money transmission in Colorado must be licensed by the Colorado Division of Banking under Title 11, Article 110, Colorado Revised Statutes. For questions about your transaction, contact Servicio UniTeller, Inc. at 1-800-456-3492; the Division does not have access to transaction information.

Colorado residents with a complaint about Servicio UniTeller, Inc. must submit it in writing on the complaint form on the Division's website, by mail or email to: Colorado Division of Banking, 1560 Broadway, Suite 975, Denver, CO 80202; DORA_BankingWebsite@state.co.us.

Connecticut Customers:

Connecticut Department of Banking

http://www.ct.gov/dob

Telephone: 1-800-831-7225

District Of Columbia Customers:

District of Columbia Department of Insurance, Securities and Banking

https://disb.dc.gov/

Telephone: 202-727-8000

Florida Customers:

Florida Office of Financial Regulation

https://www.flofr.gov

Telephone number: 850-487-9687

Georgia Customers:

Georgia Department of Banking & Finance

http://www.dbf.georgia.gov

Toll-Free: 888-986-1633

Hawaii Customers:

Hawaii Division of Financial Institutions

Department of Commerce and Consumer Affairs

cca.hawaii.gov/dfi/

Telephone number: 808-586-2820

Idaho Customers:

Department of Finance

https://www.finance.idaho.gov

Telephone number: 208-332-8000

Toll-Free (Idaho Only): 1-888-346-3378

Illinois Customers:

Illinois Department of Financial and Professional Regulation

https://idfpr.illinois.gov

Telephone number: 888-473-4858

Iowa Customers:

Iowa Division of Banking Finance Bureau

https://idob.iowa.gov/

Telephone number: 515-281-4014

Indiana Customers:

Indiana Department of Financial Institutions

https://www.in.gov/dfi/

Telephone number: 1.800.382.4880

Kansas Customers:

Kansas Office of the State Bank Commissioner

http://www.osbckansas.org

Telephone number: 785-296-2266

Kentucky Customers:

Kentucky Department of Financial Institutions

http://kfi.ky.gov

Telephone number: 844-354-0613 | 502-573-3390

Toll Free: 1 800-223-2579

Fax: 1 502-573-0086

Louisiana Customers:

Louisiana Office of Financial Institutions

Telephone number: 888-525-9414

Maine Customers:

Department of Professional & Financial Regulation

Bureau of Consumer Credit Protection

35 State House Station Augusta, Maine 04333

Phone: (800) 332-8529

Online: https://www.maine.gov/pfr/consumercredit/index.shtml

Maryland Customers:

https://www.dllr.state.md.us

Office of Financial Regulation, ATTN: Consumer Services Unit

100 S. Charles Street, Tower 1, Suite 5300

Baltimore, MD 21201

Telephone: 1-888-784-0136

www.dllr.state.md.us/finance

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Servicio UniTeller, Inc. (NMLS ID 928684) at the address and telephone number above.

Servicio UniTeller, Inc.'s license status information can be viewed on the NMLS Consumer Access website at https://nmlsconsumeraccess.org/

Massachusetts Customers:

Massachusetts Division of Banks

https://www.mass.gov/orgs/division-of-banks

Telephone number: 617-956-1500

Toll-Free at (800) 495-BANK (2265)

License No. FT907330

Michigan Customers:

Michigan Department of Insurance and Financial Services Office of Consumer Services

PO Box 30220 Lansing, MI 48909-7720

Phone: 877-999-6442

Fax: 517-284-8837

Online: https://www.michigan.gov/difs

Minnesota Customers:

Minnesota Department of Commerce

https://mn.gov/commerce/consumers

Telephone: (Local) 651-539-1500

(Complaints) 651-539-1600

By mail: Main Office, Golden Rule Building, 85 7th Place East Suite 280 Saint Paul, Minnesota 55101

Mississippi Customers:

Mississippi Department of Banking & Consumer Finance

https://dbcf.ms.gov/

Telephone number: 800-844-2499

Toll Free: 1-800-844-2499

Missouri Customers:

Missouri Division of Finance

Truman State Office Building Room 630

Jefferson City, MO 65102

Telephone number: (573) 751-3242

https://finance.mo.gov

Montana Customers:

For consumers located in Montana, please contact Servicio UniTeller, Inc., directly

New Hampshire Customers:

State of New Hampshire Banking Department

https://www.banking.nh.gov/

53 Regional Drive, Suite 200, Concord NH 03301

Telephone: (603) 271-3561

TDD Access: Relay NH 1-800-735-2964

Fax: 603-271-1090

New Jersey Customers:

New Jersey Department of Banking and Insurance

www.nj.gov/dobi

Telephone number: 609-292-7272 or 800-446-7467

New Mexico Customers:

New Mexico Financial Institutions Division

https://www.rld.nm.gov/

Telephone number: 505-476-4885

New York Customers:

New York State Department of Financial Services

Consumer Assistance Unit, One State Street, New York, NY 10004

Telephone number: 1-800-342-3736

Online complaint portal: myportal.dfs.ny.gov/guest-applications/consumer-complaint

North Carolina Customers:

North Carolina Office of the Commissioner of Banks

http://www.nccob.gov/public/

Telephone number: 1-800-874-9791 or 1-919-733-3016

North Dakota Customers:

ND Dept. of Financial Institutions Consumer Division

https://www.nd.gov/dfi/

Telephone number: 701-328-9933

Nebraska Customers:

Nebraska Department of Banking and Finance

https://ndbf.nebraska.gov/

Telephone number: (402)-471-2171

Consumer Hotline: (877)-471-3445

1526 K St #300, Lincoln, NE 68508

Nevada Customers:

Nevada Department of Business and Industry

Division of Financial Institutions

https://fid.nv.gov/

Telephone number: 702-486-4120

Ohio Customers:

Ohio Division of Financial Institutions

https://www.com.ohio.gov

Telephone number: 1-866-278-0003 or 614-728-8400

Oklahoma Customers:

Oklahoma State Banking Department

https://www.ok.gov/banking/

Telephone number: 405-521-2782

Oregon Customers:

Oregon Division of Financial Regulation

350 Winter St. NE, Room 410

Salem, OR 97309

http://dfr.oregon.gov

Telephone: 1-888-877-4894 (Toll-free in Oregon) or 503-378-4140

Pennsylvania Customers:

Pennsylvania Department of Banking and Securities

https://www.dobs.pa.gov/Consumers/Pages/File-a-Complaint.aspx

Telephone: 1.800.PA.BANKS (1-800-722-2657)

17 N. 2nd Street, Suite 1300, Harrisburg, PA 17101

Rhode Island Customers:

Department of Business Regulation

http://www.dbr.ri.gov/divisions/banking

Telephone number: 401-462-9500

South Carolina Customers:

State Board of Financial Institutions Consumer Finance Division

http://bofi.sc.gov/ConsumerFinance

Telephone number: 803-734-2020

South Dakota Customers:

South Dakota Division of Banking

https://dlr.sd.gov/banking

Telephone: 605-773-3421

Fax: 866-326-7504

1601 N. Harrison Avenue, Suite 1 Pierre, SD 57501

Tennessee Customers:

Department of Financial Institutions

http://www.tennessee.gov/tdfi/

Telephone: 615-741-2236 or 1-800-778-4215

Texas Customers:

If you have a complaint, first contact the consumer assistance division of Servicio UniTeller, Inc. at 1-800-456-3492. If you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; 1-877-276-5554 (toll free); www.dob.texas.gov; consumer.complaints@dob.texas.gov.

Utah Customers:

Utah Department of Financial Institutions

http://www.dfi.utah.gov/

Telephone number: 801-538-8830

Vermont Customers:

Vermont Department of Financial Regulation

Banking Division

https://dfr.vermont.gov

Telephone number: (888)-568-4547 Call Free/ Llamada Gratuita

Virginia Customers:

Virginia Bureau of Financial Institutions

http://www.scc.virginia.gov/bfi/

Telephone number: 804-371-9657 or 800-552-7945

Washington Customers:

Washington Department of Financial Institutions

https://dfi.wa.gov

Telephone number: 360-902-8703

1-877-RING DFI (1-877-746-4334)

West Virginia Customers:

West Virginia Division of Financial Institutions

Attention: Consumer Complaints

Telephone: 304-558-2294

fax: 304-558-0442

https://dfi.wv.gov/

License No: WVMT-907330

Wisconsin Customers:

Wisconsin Department of Financial Institutions

4822 Madison Yards Way, North Tower

Madison, WI 53705

Telephone: 608-261-9555

http://www.wdfi.org

Wyoming Customers:

Wyoming Division of Banking

wyomingbankingdivision.wyo.gov

Telephone number: 307-777-7797

8. The Company Intellectual Property

You acknowledge that the Service, including but not limited to the content of this website, text, graphics, links, buttons, logos, and images, as well as all other Company copyrights, trademarks, service marks, logos, and product and service names are owned exclusively by the Company (the "The Company Intellectual Property"). You agree not to display, use, copy, or modify the Company Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Service; (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof); or (iii) infringe the Company's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.

10. Indemnity

You agree to indemnify, defend and hold the Company, Service Providers, and their respective subsidiaries, affiliates, officers, directors, agents, partners, and employees harmless from any and all claims or demands, including reasonable attorneys' fees, made by any third party due to or arising out of (i) your use of the Service, (ii) your connection to the Service, (iii) your violation of the User Agreement, (iv) your violation of any applicable state or federal laws or regulations, (v) your violation of any rights of another, and (vi) any intentional wrongdoing of any kind.

11. Limitation of Liability

EXCEPT FOR CLAIMS UNDER SECTION § 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL THE COMPANY, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT, SERVICE FEES, AND TAXES, IF APPLICABLE AND IF PERMITTED BY LAW), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF THE COMPANY, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.

12. Dispute Resolution and Governing Law

a. Governing Law. This User Agreement shall be governed according to the laws of the State of New Jersey, and all activities performed in connection with the Service shall be deemed to have been performed in New Jersey. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of New Jersey, except that body of law governing conflicts of law.

b. Disputes with the Company. If a dispute arises between you and the Company, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and the Company regarding the Service may be reported to Customer Service by telephone at 1-800-456-3492; or by mail at Servicio UniTeller, Inc., Attn: Customer Service, 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662.

c. Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution (ADR) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

d. Forum for Disputes. Except as otherwise agreed by the parties or as described in section 12(c) above, you agree that any claim or dispute you may have against the Company must be resolved by a federal or state court located in Bergen County. You agree to submit to the personal jurisdiction of the courts located within Bergen County, New Jersey for the purpose of litigating all such claims or disputes.

e. Improperly Filed Litigation. All claims you bring against the Company must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to section 12, the Company may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that THE COMPANY has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

13. Electronic Communications

a. You acknowledge that this User Agreement shall be entered into electronically, and that the following categories of information ('Communications') may be provided by electronic means: (i) this User Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or the Service.

b. The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this User Agreement.

c. In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above, (ii) an e-mail account and e-mail software capable of interfacing with the Company's e-mail servers, (iii) a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your computer's hard drive or other data storage unit, (v) to the extent that you wish to retain paper copies of Communications, a printer that is capable of printing from your browser and e-mail software. In addition, you must promptly update us with any change in your email address by updating your profile by contacting our customer service at 1-800-456-3492.

14. Miscellaneous

a. Entire Agreement. The User Agreement constitutes the entire agreement between you and the Company and governs your use of the Service, superseding any prior agreements between you and the Company.

b. No Waiver. The failure of the Company to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.

c. Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.

d. Language. In the event there is any inconsistency between the English and other language text on this website, including the Remittance User Agreement, the English text shall be binding.

15. Security and Fraud Prevention

Your security is very important to the Company, and we work hard, utilizing state-of-the-art security measures, to make sure that your information is secure. We urge you to consider carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. To learn more about fraud prevention, please refer to our advisory at Prevention of Frauds, Scams and Elder Abuse. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1-800-456-3492. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at customersupport@uniteller.com. And if you receive any fake (phishing) emails, purporting to be from the Company, please forward them to us at customersupport@uniteller.com.

16. LN Disclosure

You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose to the Company and its third-party service providers your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, solely to verify your identity and prevent fraud for the duration of the business relationship. See our Privacy Policy for how we treat your data.

17. Contact Information

Questions, notifications, requests for refunds or more information can be sent to Servicio UniTeller, Inc., as follows: by telephone at 1-800-456-3492; by email at customersupport@uniteller.com or by mail at Servicio UniTeller, Inc., Attn: Customer Service, 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662.

Remittances Promo Terms & Conditions

Disclosure

Banking services associated with your Comun Inc. ("Comun") account are provided by Community Federal Savings Bank; Member FDIC. Your balance held at Community Federal Savings Bank is insured by the Federal Deposit Insurance Corporation ("FDIC") for up to $250,000. All deposit accounts of the same ownership and/or vesting held at Community Federal Savings Bank are combined and insured under the same FDIC coverage. Comun is a financial technology company and not a bank.

No promo code needed. Remittances are provided either by Servicio UniTeller Inc., which is licensed in all states that require a license, or by Cross River Bank under its New Jersey bank charter. Comun, Inc. and/or Servicio UniTeller, Inc. may earn revenue on foreign exchange currency conversion. Fees are subject to change. Servicio UniTeller, Inc. and/or Comun, Inc. reserve the right, at any time, without prior notice, to add, modify, or terminate any and/or all of the terms of the promotion, or to replace, wholly or in part, the promotion with another offer with no liability to Servicio UniTeller, Inc. and/or Comun, Inc.

Terms and Conditions

This limited-time promotion, effective from March 8, 2024, is a campaign designed to encourage usage of the new remittance feature offered through Comun whereby Comun users will be able to initiate money transfers from their Comun accounts to beneficiaries around the world (the "Remittance"). Any approved and open account holder in good standing who has not violated these Terms and Conditions and directly received this offer from Comun is eligible for this promotion. Eligible customers may receive unlimited fee-free remittance transfers until April 7, 2024 or earlier as determined by Comun in its sole discretion.

Participants shall be assessed a fee of $2.99 USD for each Remittance. Notwithstanding, during the Promotion Period, participants shall receive an automatic fee reimbursement for unlimited Remittances within five (5) days of each Remittance.

The value of this promotion may constitute taxable income. The recipient of the promotion is responsible for any federal or state taxes resulting from the promotion, and should consult a tax advisor if he/she has questions about its tax treatment. This promotion is not valid with any other offer and is not transferable. Offer available to US residents only that are 18 and older.

No promo code needed. Remittances are provided either by Servicio UniTeller Inc., which is licensed in all states that require a license, or by Cross River Bank under its New Jersey bank charter. Comun, Inc. and/or Servicio UniTeller, Inc. may earn revenue on foreign exchange currency conversion. Fees are subject to change. Servicio UniTeller, Inc. and/or Comun, Inc. reserve the right, at any time, without prior notice, to add, modify, or terminate any and/or all of the terms of the promotion, or to replace, wholly or in part, the promotion with another offer with no liability to Servicio UniTeller, Inc. and/or Comun, Inc.

In case of violation of these Terms and Conditions, Comun may revoke a reimbursement already credited to an account. If Comun notices any activity that it believes is abusive, fraudulent, or in violation of these Terms and Conditions, Comun reserves the right to revoke a reimbursement and/or cancel future eligibility for reimbursements. Comun can amend these Terms and Conditions at any time, for any reason, and without prior notice. Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change. If Comun amends the Terms and Conditions, the modification will be posted on Comun's website and/or mobile app and will be effective upon posting. Comun reserves the right to cancel this promotion at any time. A reimbursement will not be earned in cases where the qualifying purchase was made after Comun's cancellation of the promotion.

CRB Terms of Service

Effective Date: 6/2024Last Update: 6/2024

PLEASE REVIEW THESE TERMS AND CONDITIONS (THESE "TERMS OF SERVICE") CAREFULLY. BY ACCESSING THIS WEBSITE ("SITE") AND ANY PAGES RELATED TO THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, PLEASE DO NOT ACCESS THIS SITE OR ANY PAGES RELATED TO THIS SITE.

The effective date of these Terms of Service is June 14, 2023. This version of the Terms of Service replaces and supersedes any prior terms of use applicable to the Site and Bank Products (defined below).

This Site and any products and services (products and services, collectively, "Bank Products") of Cross River Bank (the "Bank" "we", "us", or "our") made available through this Site are delivered subject to the terms set forth in these Terms of Service. You acknowledge that this Site is the property of the Bank and its licensors. In using any webpage, website, or other aspect of this Site, you hereby agree to be bound by these Terms of Service.

The Bank offers the Site to you based on your acceptance of these Terms of Service without modification. The Bank reserves the right, in its sole discretion, to revise these Terms of Service at any time. Any changes to these terms will be included in a revised version of these Terms of Service accessible through the Site. Your continued use of the Site and any related Bank Products following posting of any changes to Terms of Service constitutes your unconditional acceptance and agreement to be bound by the changed terms. Accordingly, we urge you to review these Terms of Service at the start of each use of the Site. If you do not agree to be bound by the revised terms and conditions, you must cease your use of the Site.

Content and Proprietary Rights

All text, graphics, user interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, "Content"), including design, structure, selection, coordination, expression, "look and feel" and arrangement of such Content contained on the Site is owned, controlled or licensed by or to the Bank and is protected by applicable U.S. and foreign copyright, patent, and trademark laws, including various other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Service, no part of the Site or its Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without the Bank's prior written consent. Any unauthorized use, downloading, re-transmission, display, distribution or other copying, or modification of any copyrightable matter in the above and/or the Content on the Site is strictly prohibited, and may result in legal action against those engaging in such activities.

Feedback

If you suggest features, functionality, or performance feedback ("Feedback") that the Bank incorporates into a Bank Product or the Site, you hereby transfer, assign and give the Bank all rights to such Feedback. In the event that you cannot transfer, assign, or give all rights on the Feedback, then, alternatively, you grant Bank a worldwide, non-restricted, non-exclusive, royalty-free, perpetual right and license to use such Feedback for Bank's commercial purposes, which license will survive termination of the Terms of Service.

Use of Bank Products

This Site contains information about the Bank and Bank Products. You understand and acknowledge that you are solely responsible for any actions you take in connection with your use of the Site, Bank Products, and any data, material, or information (collectively, "Data") you share through the Site. You agree not to reproduce, transmit, disseminate, broadcast, circulate, republish, duplicate, sell, modify, upload, post, or otherwise distribute or commercially exploit the Site, or any portion of the content of the Site, in any way without the Bank's prior written consent.

The Bank will use, store, disclose, and otherwise process the Data: (i) for the purpose of performing or providing services to you; (ii) pursuant to documented instructions from you, (iii) in accordance with its Privacy Policy, which is available at www.crossriver.com/privacy-policy/, or (iv) when required to do so by applicable law, and the Bank informs you of that legal requirement before processing (if legally permitted to do so) and minimizes any disclosures to the maximum extent permitted by law.

You represent and warrant that your provision of the Data to the Bank, and the Bank's use of that Data as authorized herein, will not violate applicable law or the rights of any individual or entity. Without limiting the foregoing, you agree not to store, upload, or transmit to or via the Site any Data that: (a) infringes upon, or violates any copyright, patent, trademark, trade secret or other proprietary right; (b) is defamatory, libelous, or threatening; (c) is known by you to be false or inaccurate; or (d) violates any applicable law, treaty, or regulation. You agree you will neither upload nor transmit to the Site any Data containing any virus, worm, or other harmful feature. You agree not to interfere, in any way, with others' use of the Bank Products and you will not attempt to gain unauthorized access to the account, computer system, or Data of another user.

By using the Site and the Bank Products, you hereby grant the Bank the right to obtain and use your, your client's, or your or your client's other guarantor's information to provide the Bank Product. You authorize us and our affiliates to obtain and review consumer credit reports about you, your client, or your or your client's guarantors, as the case may be, from credit reporting agencies, including now and periodically in the future, in connection with Bank Products. You represent and warrant you have been authorized by your client, or your or your client's guarantors to authorize us and our affiliates to obtain and review consumer credit reports about your guarantors, your client, or your client's guarantors.

If you are using a Bank Product on behalf of a client, you hereby represent and warrant to us that your client has given you any and all authorization necessary to use the Bank Product on its behalf, including without limitation appropriate authorization to provide the client's business and other information and appropriate authorization to provide any consent that is requested by us to provide your client the Bank Products.

In addition to the above, you are prohibited from: (a) engaging in any act where you know, or have reason to know, that such act may disrupt the Site's functionality; (b) translating, decompiling, reverse engineering, or otherwise attempting to obtain access to source code of any software located on the Site (the "Software"); or (c) using or allowing other to use the Site in any way that violates local, state, federal, or international law, including without limitation any export controls or sanctions imposed by the United States of America.

The Bank reserves the right to determine your or your client's eligibility for any Bank Product at its discretion.

You may use information, print materials, and agreements or documents related to Bank Products that are made available through your use of the Site (collectively, the "Documentation"), provided that you: (a) do not remove any proprietary notice language in such Documentation; (b) use such Documentation only for your internal business purposes and do not copy or post such Documentation on any networked computer or broadcast it in any medium; (c) make no modifications to such Documentation and (d) do not make any additional representations or warranties to any party in connection with your use of such Documentation.

The products and services described in various webpages on the Site, as applicable, may only be offered in certain jurisdictions where they may be legally offered for sale or designated by the Bank in its sole discretion. The Site is not intended for distribution to, or use by, any person in any jurisdiction or country where such distribution or use would be restricted, prohibited, or otherwise contrary to law or regulation.

You consent to the use of electronic communications in connection with any product, account or service from the Bank that you apply for, open or maintain at any time. You agree that all electronic communications are deemed to be the equivalent of any physical written communication for all purposes. You are responsible for ensuring your e-mail address on file with the Bank is valid and that your email or internet service provider does not filter or label our emails as "spam" or "junk mail." You must update your email address with the Bank timely. If there is a malfunction in your computer, browser, internet service and/or software, or other reason beyond our control that prevent you from receiving our emails, we are not responsible or liable for any delays in communications or failures of such communications, unless otherwise required by applicable law.

You are responsible for ensuring your e-mail address on file with the Bank is valid and that your email or internet service provider does not filter or label our emails as "spam" or "junk mail." You must update your email address with the Bank timely. If there is a malfunction in your computer, browser, internet service and/or software, or other reasons beyond our control that prevent you from receiving our emails, we are not responsible or liable for any delays in communications or failures of such communications, unless otherwise required by applicable law.

Site Confidentiality and Security

Certain features or services offered through the Site may require you to open an account (including setting up a username and password) ("Account"). You are solely responsible for maintaining confidentiality of your Account information, including your password, for any and all activity related to your Account. You further agree to establish commercially reasonable security procedures and controls to protect your confidential information. You agree to notify the Bank immediately upon the discovery of any unauthorized use, or any other breach of security, including suspected or actual Account "phishing" incidents. You understand that you may be held liable for losses incurred by the Bank or any other user of or visitor to the Site due to an unauthorized party using your login information, password or Account. You agree not to use anyone else's name, password, or Account to access the Site at any time without the express permission and consent of such party. You acknowledge that the Bank is not liable for any loss or damage arising from your failure to comply with these obligations.

Children Online Privacy Protection Act

This Site will not, and does not intend to, market any Bank Products or related services to children. The Bank does not knowingly gather or solicit data from children through the Site, and by using the Site you represent that you are an adult who is at least 18 years of age.

SBA Loans

You or your client (each, an "Applicant") may receive a SBA Loan offer from us. SBA Loans are based on information about Applicant's business. By starting the process to obtain a SBA Loan, you authorize us to obtain and use information about the Applicant, and the Applicant's business, from third parties, to pre-qualify and underwrite the Applicant's business. You authorize us and our affiliates to obtain and review consumer credit reports about the Applicant and any guarantors from credit reporting agencies, including now and periodically in the future. You also agree that we may obtain and review the Applicant's and any guarantor's consumer credit reports to evaluate the Applicant's and any other person's eligibility to act as a personal guarantor, if applicable. Any personal guarantor may be held personally liable for the applicable SBA Loan even if the personal guarantor cannot repay it. You represent and warrant you have been authorized by the Applicant and any and all guarantors to authorize us and our affiliates to obtain and review consumer credit reports about the Applicant and guarantors, and that you have obtained any and all consents necessary under applicable law for us and our affiliates to obtain and review consumer credit reports about the Applicant and guarantors.

Restrictions

You must be eighteen (18) years or older to use the Site or the Bank Products. You acknowledge and agree that you or your client (if applicable) may not be eligible to use the Bank Products, and further agree that certain Bank Products are available only to businesses incorporated in the United States or to businesses whose principal place of business is in the United States. You agree to only use the site or Services for a bona fide business purpose. You represent you and your client (if applicable) are a business entity and agree you will not use the site or Services for personal, family, household or other consumer purposes. Cross River Bank is not a credit reporting agency, or a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA,") and the information in this site has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in the FCRA.

Modification or Discontinuance of Certain Bank Products

You understand that, at any time and without notice to you, and for any reason whatsoever, the Bank may modify or discontinue all or any part of the Bank Products. You acknowledge that the Bank shall in no way be held liable for any consequence resulting from the Bank's decision to modify or discontinue providing all or any part of the Bank Products.

Termination

Cross River Bank may, in its sole discretion and without notice, restrict, deny, terminate these Terms of Service or suspend the Bank Product or Site, effective immediately, in whole or in part, if we determine that your use of the Site violates these Terms of Service, is improper or substantially exceeds or differs from normal use by other users, raises suspicion of fraud, misuse, security concern, illegal activity or unauthorized access issues, to protect the integrity or availability of the services or systems and comply with applicable Cross River Bank policy, if you no longer agree to receive electronic communications, or if your use of the Site conflicts with our interests or those of another user of the Site or Bank Products. Upon our notice that your use has been terminated you must immediately stop using the Site and Bank Products.

Disclaimers

THIS SITE, ITS CONTENT AND ANY ASSOCIATED SERVICES, INCLUDING WITHOUT LIMITATION THE BANK PRODUCTS, ARE PROVIDED BY THE BANK ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU USE THE SITE, THE BANK PRODUCTS AND ANY RELATED CONTENT AT YOUR OWN RISK. THE BANK MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE, TO THE INFORMATION, CONTENT, MATERIALS OR BANK PRODUCTS INCLUDED ON THIS SITE, OR TO THE FUNCTIONALITY OF ANY SERVICES ASSOCIATED THEREWITH. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE BANK DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OF WORKMANLIKE EFFORT, OF SUITABILITY, AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF CONTENT, OR OF NON-INFRINGEMENT, AS WELL AS WARRANTIES ARISING THROUGH COURSE OF DEALING OR USAGE OR TRADE. FURTHER, THE BANK MAKES NO REPRESENTATIONS OR WARRANTIES THAT THIS SITE AND/OR ITS CONTENTS ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE.

THE BANK DOES NOT WARRANT OR GUARANTEE THAT ITS SERVICES WILL PROVIDE ANY DESIRED RESULT, OR THAT ITS SITE, SERVERS OR EMAILS SENT BY OR ON BEHALF OF THE BANK ARE FREE OF VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS. FURTHER, THE BANK DOES NOT GUARANTEE THE CONTINUOUS, UNINTERRUPTED AND ERROR-FREE OPERATION OF ITS SITE, NOR THAT ALL COMMUNICATIONS BETWEEN YOU AND THE BANK OR BETWEEN YOU AND ANY OTHER USER OF THE SITE, WILL BE SECURE FROM ACCESS OR INTERFERENCE BY THIRD PARTIES.

Limitation of Liability

NEITHER THE BANK NOR ANY OF THE BANK'S EMPLOYEES, SUBSIDIARIES, AFFILIATES, AGENTS, REPRESENTATIVES, DISTRIBUTORS, OR LICENSORS WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTORY OR OTHERWISE), ARISING FROM OR OTHERWISE RELATED TO YOUR USE OF OR INABILITY TO USE THIS SITE, THE BANK PRODUCTS, OR THE ASSOCIATED SERVICES, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, ATTORNEYS' FEES, OR FOR LOST DATA OR LOST PROFIT, EVEN IF THE BANK HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

YOU ACKNOWLEDGE THAT INFORMATION TRANSMITTED THROUGH THE INTERNET IS NEVER COMPLETELY SECURE. WITHOUT LIMITING THE FOREGOING, THE BANK WILL NOT BE LIABLE FOR ANY DAMAGE TO YOUR COMPUTER, TELECOMMUNICATION EQUIPMENT OR OTHER PROPERTY CAUSED BY OR ARISING FROM YOUR ACCESSING OR USE OF THIS SITE, OR FROM YOUR DOWNLOADING OF ANY MATERIALS FROM THIS SITE.

CERTAIN LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATION MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Indemnification

You agree to indemnify and hold the Bank, its subsidiaries, affiliates, officers, agents, and representatives, and its and their officers and employees (each, an "Indemnified Party") harmless from and against any and all damages, liabilities, judgments, actions, causes of action, suits, claims, demands, losses, costs and expenses (including reasonable attorneys' fees, disbursements, and court costs) arising from or in connection with your use of the Bank Products, your violation of these Terms of Service, or your violation of any rights of any third party, including without limitation the rights of any of your clients (if applicable).

Governing Law

The laws of the State of New Jersey will govern these Terms of Service, without giving effect to any conflicts of laws principles. Subject to the Arbitration Agreement set forth below, you agree that any action arising out of the Terms of Service, or your use of the Bank Products, shall be brought in state or federal court in the State of New Jersey, and you consent to the exclusive jurisdiction of such courts.

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. YOU HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT AS DESCRIBED BELOW.

Agreement to Arbitrate

This section is referred to as the Arbitration Agreement. If you have a dispute with any Indemnified Party, and are not able to resolve the dispute informally, you and we agree that upon demand by either you or the Indemnified Party, the dispute will be resolved through the arbitration process as set forth in this section.

Arbitration

You agree that if you have a dispute or claim that has arisen or may arise between you and the Bank or any other Indemnified Party, whether arising out of or relating to these Terms of Service (including any alleged breach thereof), your Account and services provided under these Terms of Service, any advertising, any aspect of the relationship or transactions between us, and you are not able to resolve the dispute or claim informally, you and we agree that upon demand by either you or the Indemnified Party, the dispute or claim will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into this Arbitration Agreement, you and the Bank are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

Parties Subject to this Arbitration Agreement

This Arbitration Agreement applies whenever there is a claim between you and us. If a third party, such as an Indemnified Party other than the Bank, is also involved in a claim between you and us, or if a dispute arises between you and an Indemnified Party other than the Bank relating to these Terms of Service or your Account, then the claim will be decided with respect to the third party in arbitration as well, in accordance with this Arbitration Agreement, and the third party must be named as a party in accordance with the rules of procedure governing the arbitration. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party.

Exclusions

You and we retain the right to pursue in small claims court (or an equivalent state court) any dispute that is within that court's jurisdiction, so long as the disputes remain in such court and advance only an individual claim for relief. If either you or we fail to submit to binding arbitration of an arbitrable dispute following lawful demand, the party so failing shall bear all costs and expenses incurred by the other in seeking to compel arbitration.

Your Right to Opt-Out

If you do not want this Arbitration Agreement to apply to you or your Account, you may opt out by sending us written notice of your decision within thirty (30) days of the opening of your Account. Such notice must clearly state that you wish to cancel or opt out of the Arbitration Agreement section of these Terms of Service. It should include your name, address, and your signature and must be mailed to Cross River Bank, Attn: Legal Department, 2115 Linwood Avenue, Fort Lee, NJ 07024. This is the sole and only method by which you can opt out of this Arbitration Agreement. Your exercise of the right to opt-out will not affect any remaining terms of these Terms of Service and will not result in any adverse consequence to you or your Account. You agree that our business records will be final and conclusive evidence with respect to whether you cancelled or opted out of this Arbitration Agreement in a timely and proper fashion.

Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST THE BANK OR AN INDEMNIFIED PARTY ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND THE BANK AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

Pre-Arbitration Dispute Resolution

The Bank and Indemnified Parties are always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer's satisfaction [by emailing customer support using the contact information above]. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to the Bank or Indemnified Party should be sent to Cross River Bank at 885 Teaneck Rd, Teaneck, NJ 07666 ("Notice Address"). The Notice must (a) describe the nature and basis of the claim or dispute and (b) set forth the specific relief sought. If you do not resolve the claim with the Bank or Indemnified Party within 60 calendar days after the Notice is received, you or the Bank or Indemnified Party, as applicable, may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by any party will not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or the Bank is entitled.

Arbitration Procedures

Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association's (AAA) rules and procedures (collectively, the AAA Rules), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA's consumer arbitration page, http://www.adr.org/consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms of Service as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Terms of Service and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.

Unless the parties to the arbitration agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

Costs of Arbitration

Payment of all filing, administration, and arbitrator fees (collectively, the Arbitration Fees) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at your request, the Bank will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, the Bank will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, the Bank will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys' fees will be governed by the AAA Rules.

Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

Severability

If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the Prohibition of Class and Representative Actions and Non-Individualized Relief section above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of the Prohibition of Class and Representative Actions and Non-Individualized Relief section are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of the Arbitration Agreement will continue to apply.

Future Changes to Arbitration Agreement

Notwithstanding any provision in these Terms of Service to the contrary, if the Bank makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Bank Products, you may reject any such change by sending the Bank written notice within 30 calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute covered by this Arbitration Agreement in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service).

Miscellaneous

You may not assign or otherwise transfer these Terms of Service or any rights or obligations under these Terms. The Bank's failure to act on any breach of any provision of these Terms shall not be construed as a waiver of the enforcement of any provision unless the Bank agrees to such waiver in writing.

If any part of these Terms of Service is deemed unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of remaining provisions. These Terms of Service set forth the entire understanding between you and the Bank with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and the Bank with respect to subject matter.

The Bank is not in the business of providing legal, financial, accounting, tax, health care, real estate or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.

Help and Support

If you require any support, please contact us.

The Bank makes no warranty of any kind as it relates to any help or support services provided hereunder and no warranty of any kind that any errors in the Site or the Bank Products can or will be corrected.

‍

Cobre Terms and Conditions

Introduction and General Summary

Welcome, and thank you for using Cobre's services and the Cobre Mexico & Colombia platform (hereinafter, the "Platform").

The Platform is operated by Cobre (hereinafter "Pexto" or "Cobre"), which, for the purposes of these Terms and Conditions, is:

• Place of Contracting: Colombia — Entity: Pexto Colombia S.A.S., a legally incorporated company
• Place of Contracting: Mexico — Entity: Pexto México, S.A. de C.V., a company legally incorporated under the laws of the United Mexican States (Mexico).

As a user (a term defined below), by accessing and using the Platform, you fully and unconditionally accept these terms and conditions (hereinafter, the "Terms"), thereby giving your consent and expressing your agreement to them, as well as to the privacy policy and data processing policies contained in Pexto's Privacy Notice. These govern the services and the relationship between Pexto and the user, making the USER consequently obligated to comply.

Please read them carefully before proceeding, as the use of the Platform is considered tacit acceptance of these Terms for all applicable legal purposes.

If the User does not agree with these Terms, they must not access or use the Services or the Platform, as such use is deemed tacit acceptance of these Terms for all applicable legal purposes.

The use of the Services is governed by the legislation of the country of contracting (Colombia or Mexico), and its scope is mainly limited to these places of contracting, which are the countries where Cobre offers its Services.

These Terms constitute, for all legal purposes, an agreement between the User and Pexto, as the administrators of the Cobre Platform, or any other name or brand it may freely choose in the future.

Pexto reserves the right to change these Terms at any time, unilaterally and without prior notice, by simply updating this publication. We recommend visiting this section periodically to review the applicable Terms.

How Does It Work?

The Platform is a technological tool designed and developed by Pexto, its parent company, affiliates, or subsidiaries, with the purpose of enabling users to provide and send instructions for the fulfillment of a mandate to disburse payments through electronic means (the "Service") in a secure and efficient manner.

Our goal is to provide technological tools for payment disbursement, which are ordered and managed by the user and subsequently processed through the Platform in accordance with the user's instructions.

The management and disbursement of payments is ordered and administered by the user in accordance with the agreement previously signed between Pexto and the User. Pexto acts solely as the User's agent; therefore, the user is responsible for their own instructions. In the event of a conflict between the Agreement and these Terms, these Terms shall prevail.

Instructions submitted by the User through the Platform are considered firm and valid for execution.

The Service is provided with the indirect involvement of Pexto's partners and collaborators; by using our Service, you authorize us to share your personal information with our partners, which we will do under the highest standards of confidentiality and security.

In general, the information we may share with our partners and collaborators includes: full name, general location (never precise location), email address, bank account details, address, and identification documents.

Pexto has the right to use the personal information and/or content provided by Users in accordance with these Terms and the Privacy Policy, and stores this information under the highest security standards. No one may access your information without your consent.

Pexto does not guarantee the availability, infallibility, or continuity of the Services and disclaims any liability for damages or losses of any kind that may arise from the use of the Services.

Who Can Use the Cobre Platform?

The Service is available to any person (the "User," "You") who has full legal capacity to enter into contracts in their country of residence and who meets the access and usage requirements of the Platform. We reserve the right to deny access to the Service or the Platform, as well as to cancel any user account if we determine that the user does not meet the conditions required to use the Platform or these Terms and Conditions.

The User understands and agrees that to use the application, they must:

• Create an Account, providing the Platform with the necessary information to do so.
• Have the physical means to receive or transmit information via the internet as required for use of the application.
• Have internet access necessary for the proper operation of the Services. All internet access charges are the sole responsibility of the User.

Without prejudice to any other use and/or processing stated in the data processing policies referenced above, the information provided to Pexto will generally be used for the following purposes, which are listed by way of example and not limitation:

• Establish communication channels with the holders of personal data in relation to the Services provided by Pexto through the Platform, including those mentioned above,
• Respond to inquiries and data messages sent by Users,
• Offer services and send content, communications, and information that Pexto believes may be of interest to the User,
• Evaluate the quality of services and products,
• Provide personalized advice and support to each User,
• Conduct marketing and advertising activities related to Pexto's business purpose,
• Perform background checks.

If necessary and with the User's consent, we may consult credit bureaus or any other credit risk databases to obtain relevant information regarding credit behavior, payment capacity, financial solvency, or to assess future risk.

The User declares that the information and documentation provided through the Platform is true, current, and either their own or they are authorized to provide it; and agrees to update such information if there is a change or an error is identified during registration, so that the information remains accurate, authentic, and complete.

Any falsehood or breach by the User releases Pexto from the obligation to provide the Service or grant access to the Platform.

Once registration is completed, Pexto will provide the User with an account on the Platform (hereinafter, the "Account"). The User is responsible for safeguarding their password and securing their account. The User is fully responsible for all activity that occurs under their account, whether or not they authorized it, and is obligated to immediately report any unauthorized use or other security breach.

In accordance with current legislation in the United Mexican States, the creation and use of the application through the User's account and/or electronic systems will be considered equivalent to a handwritten signature and will signify acceptance of the Terms set forth herein.

User Declarations

The User hereby declares, under oath and under penalty of perjury, that:

They have full legal capacity to enter into this agreement:

In the case of an individual:

• They are of legal age and fully capable of entering into this agreement and being bound by its terms, in accordance with the laws of their country of residence;
• In the case of a minor or someone lacking full legal capacity to enter into this agreement, their legal guardian or representative is the one accepting this agreement on their behalf.

In the case of a legal entity: That, in accordance with the laws of its country of incorporation:

• It is legally incorporated and fully authorized to enter into this agreement; and
• Its legal representative has the valid and sufficient powers and authority to execute this agreement on its behalf, and such powers have not been revoked or limited in any way.

They hold all licenses, authorizations, certifications, and other permits necessary to enter into and use both the Services and the Platform.

They have the express authorization of the final beneficiaries of the digital payments to collect, store, use, and transmit their personal and banking information to Cobre.

The correct, current, and complete information is that which they provided when creating their access credentials to the Platform and which they will provide during the use of the Platform; and they possess all necessary documentation to prove the accuracy and authenticity of said information.

Relationship Between the Parties

The User acknowledges and agrees that neither they nor their representatives, employees, shareholders, or collaborators have any employment relationship with Pexto, and that only a civil and commercial relationship exists as a result of the provision of services and the specific mandate for the disbursement and collection of funds generated through the use of the Platform.

Therefore, the User hereby releases Pexto, its employees, executives, and officers from any such employment-related obligations and agrees to defend, indemnify, and hold them harmless from any claims or legal/administrative proceedings brought against them seeking to assign labor or social security responsibilities on the part of the User or their employees, representatives, or collaborators.

This contractual relationship shall be governed by the provisions set forth in the Agreement signed between the Parties, these Terms, and, for any matters not expressly agreed upon, by the applicable Commercial Code, and supplementarily by the Federal and National Civil Codes, depending on the applicable jurisdiction (Mexico/Colombia).

Authorized Use of the Cobre Platform

Use of the Platform is permitted for clients who have a professional and service-based relationship with Pexto.

As a user, you may, among other things:

• View balances and transaction history.
• Order and manage payments and transfers of funds to third parties pursuant to the specific mandate granted to Pexto.

Accessing the Platform signifies your acceptance that any use you make of the content and information contained therein will be for legitimate and lawful purposes and in compliance with these Terms and all applicable laws. Transactions are non-reversible; once authorized, they are debited from the user's account.

By creating a user account, you are authorized by Pexto to use the Service solely as described in these Terms, for your personal, non-commercial use.

The information and materials provided through the Service may not be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, reproduced, used to create derivative works, or used for commercial purposes without the prior written consent of Pexto.

By using the Platform or accepting these Terms and Conditions, the User agrees, directly or through third parties, to the following:

• Not to infringe Pexto's or third parties' intellectual property rights.
• Not to engage in activities that constitute anti-competitive practices, unfair competition, or violations of consumer protection rights.
• Not to disseminate or promote misleading, inaccurate, false, harmful, hostile, abusive, problematic, threatening, damaging, or malicious information.
• Not to engage in activities that constitute criminal acts, especially those involving technology, identity theft, or fraud.
• Not to defame, abuse, harass, threaten, or violate any public freedoms or civil/human rights, or any other rights to property, privacy, and/or publicity of other users or third parties.
• Not to violate, whether intentionally or unintentionally, any personal data protection regulations or any applicable laws in general.
• Not to interfere or attempt to interfere with the proper functioning of the Services.
• Not to duplicate, distribute, transmit, or in any way transfer any of the rights granted to them as a User.
• To report any violation of these Terms by other users or third parties they become aware of, by sending an email to Pexto.
• Not to transmit or upload any material containing computer viruses or any other code, computer program, or application intended to interrupt, destroy, restrict, or harm the functionality of computers, software, information systems, telecommunications networks, or third-party infrastructure and services.
• Not to manage funds of illicit origin or funds whose origin is unknown.

It is strictly PROHIBITED to modify, reproduce, decode, decrypt, dismantle, disassemble, reverse-engineer, publish, transfer to others, or otherwise alter the Platform or its content, as well as to disclose its content without prior explicit written authorization from Pexto. Likewise, it is prohibited to copy any content, functionality, or business model from the Platform or the Services.

It is also forbidden to use any software intended to or resulting in damaging, interfering with, compromising the integrity of, or intercepting the systems supporting this application, its functionality, or its content.

The account number and password are non-transferable, and only the individuals who have registered may use them.

Failure to comply with the above will result in the suspension and permanent blocking of the account (including associated email address and personal identification number) within the application.

In the event of forgotten login credentials or identity theft, it is the user's obligation to report this to Pexto's operator.

Access to the Platform and use of the Services is permitted only for lawful purposes. The User is solely responsible for knowing and complying with all applicable laws and regulations regarding access to and use of the Services. Without limiting the foregoing, the User hereby acknowledges that the following constitute prohibited uses of the Platform and agrees to refrain from engaging in any conduct deemed unlawful under applicable law.

As a User, you are solely responsible for any damages that unauthorized access to the Platform using your login credentials may cause to others, to yourself, and/or to Cobre's information and communication systems, including damages from computer viruses.

Any violation of these Terms will be investigated by Pexto, which may, at its sole discretion and within the limits of the law, take any measures and initiate any legal or extralegal actions deemed necessary against you to stop such behavior and seek compensation where applicable.

Communications

To properly deliver its Services, Pexto will need to maintain ongoing contact with the User. To that end, Pexto may adopt various tools to facilitate communication, including but not limited to: direct communications (via phone calls to any contact number provided by the User, text messages, WhatsApp messages, emails to the contact address(es) provided by the User, among others), administrative announcements, and messages. The User hereby provides their express consent for such communications.

When the User communicates with us electronically (for example, via email, text message, or by creating an account on the Platform), they agree to receive electronic communications from us, including all statements, notices, and disclosures. You agree that any communications we provide electronically satisfy any legal requirement that such communications be in writing.

Privacy Policy, Data Handling, and Authorization for the Processing of Personal Data

Pexto recognizes the importance of User privacy and their right to freely determine how their information is used and processed.

Pexto's Personal Data Processing and Privacy Policy (the "Policy") is an integral part of these Terms and Conditions. Therefore, by accepting these Terms and Conditions as set forth herein, the User is providing their prior, express, and informed consent to be bound by the terms of the Policy. The Policy can be accessed at the following link: https://www.cobre.co/privacidad/politicas-de-privacidad

The information provided by Users is submitted voluntarily and freely, so that it may be managed by Pexto or by any party it designates to fulfill its obligations. This includes the collection, storage on servers or repositories managed by Pexto or third parties.

In this regard, the User, as the owner of the information, freely and voluntarily authorizes Pexto and/or any party representing its rights to access and disclose to its service providers both their personal data and the banking and financial information provided to Pexto either directly by the User or obtained through third parties or from databases accessed via information providers or database operators. This includes but is not limited to banks, blacklists, and credit information providers.

The User may exercise their ARCO rights (Access, Rectification, Cancellation, and Opposition) to manage their personal data stored in databases associated with the Platform. To do so, the User must submit a request for consultation, correction, or deletion as described in the Data Policy, specifying the changes to be made and providing any supporting documentation.

Accordingly, the User grants free, prior, express, and informed authorization — to the extent permitted by law — to Pexto, directly or through its employees, consultants, advisors, third-party data processors, and/or Affiliated Entities (as defined in the Personal Data Processing Policy), to access and process their information exclusively for the purposes set forth in this authorization.

All personal data and information provided to Pexto is governed by our Privacy Policy.

Such information is used for the proper identification of Users and for the purposes of operating the Platform.

In this regard, the User expressly authorizes Pexto to transfer their personal data to Affiliated Entities or to subcontract the provision of any part of the products and/or services with a third party, whether or not that third party operates in another jurisdiction or territory.

Confidentiality and Information Handling

Given the nature of the Services and the specific mandate, both Parties agree to maintain the highest confidentiality standards. They commit, during the provision of the Service and use of the Platform, and after its conclusion, to treat all data, information, and documents exchanged between them with the utmost confidentiality.

The Parties agree that any information shared due to the Services and Platform use, or derived from it — including these Terms (hereinafter, "Confidential Information") — must be treated as strictly confidential and used exclusively by the Parties, regardless of whether such information is materialized or not, or explicitly marked as confidential.

The Parties agree to keep this Confidential Information secure, using at least the same level of care they use for their own confidential information, or the level commonly used in market practices — whichever is stricter. They must refrain from:

(i) making any public or private disclosure;(ii) sharing it with unauthorized third parties; and(iii) using it for any purpose other than performing the Services, unless authorized in writing by the disclosing party.

Each Party must use appropriate physical and legal safeguards to prevent unauthorized use or access to any documents, information, files — physical or digital — received or created during the Services.

All such information remains the property of the disclosing Party.

As a result, both Parties agree not to reveal, disclose, exploit, publish, transmit, transfer, trade, or disseminate the other Party's information in any way, unless previously authorized in writing. Unauthorized use or disclosure may result in liability for damages.

If the breach involves the disclosure of a trade secret, the violator may face civil or criminal penalties under applicable law.

If the breach is committed by an employee, director, representative, or collaborator of any Party, the receiving Party (either Pexto or the User) will be considered legally responsible.

These confidentiality obligations remain in effect during the provision of the Services and for two (2) years after their conclusion.

Customer Service

You may contact Customer Service using the information on our Site or through our sales representatives. Customer service is not mandatory or guaranteed, and is provided at Pexto's sole discretion.

Intellectual Property

Pexto is the sole owner or licensee of the Platform and its content. Reproduction, translation, transmission, storage, or access — by analog, digital, or any other means — is prohibited without Pexto's prior written consent.

All Platform content (texts, images, etc.) is considered Pexto's intellectual property.

The User acknowledges that all concepts, improvements, copyrights, trademarks, trade names, designs, inventions, discoveries, programs, systems, or creative works related to the Platform are, and will remain, Pexto's exclusive property (including its Parent Company or Affiliates).

Pexto grants the User a temporary, non-transferable, royalty-free, revocable license for the duration of the Mandate Agreement to use the Platform as permitted by these Terms. This license may be revoked unilaterally by Pexto at any time.

The User understands these Terms do not grant them any intellectual property rights over the Platform.

All elements of the Platform (texts, processes, trade secrets, know-how, techniques, formats, images, logos, music, etc.) remain Pexto's property.

Unauthorized use of any content may result in legal action.

Limitation of Liability and Disclaimer of Warranties

Pexto merely connects Users with its services and does not assume any responsibility for the operations carried out by Users or on their behalf under the mandate.

The User may not claim damages of any kind from Pexto arising from use of the Services or Platform.

Pexto does not guarantee the accuracy or reliability of the Services or Platform. The User uses them at their own risk.

Pexto does not guarantee uninterrupted or error-free operation, nor results from use of the Platform.

To the extent permitted by law, Pexto and its affiliates are not liable for any direct, indirect, or incidental damages, including but not limited to:

• data loss,
• technical failures,
• human harm,
• business losses,
• economic damages,
• or profits lost,

even if a Platform feature fails to fulfill its essential purpose.

Shared Responsibility Model

For API, REST, or Web Service integrations, Cobre ensures perimeter security of its cloud infrastructure and source code/data protection.

However, it is the client's responsibility to validate transaction security and monitor for misuse. Cobre is not responsible for fraud or vulnerabilities outside its control.

The User accepts full responsibility for vulnerabilities caused by their own actions or omissions, including those of their staff, and agrees to hold Pexto harmless.

Breach of Terms and Conditions

Violation of these Terms may lead to account suspension or termination and potential civil or criminal liability.

Unauthorized use of the Service/Platform is prohibited. Pexto may investigate any misuse and take necessary legal or extralegal actions, including injunctive relief and damages.

Indemnity

By accessing and using the Platform, the User agrees to indemnify and hold harmless Pexto, its shareholders, affiliates, employees, contractors, and representatives from any claims, damages, complaints, investigations, or legal actions arising from:

(i) violation of these Terms,(ii) misuse of the Platform or Services,(vi) money laundering, terrorism financing, use of illicit funds, or similar actions related to resources dispersed through the Platform.

Pexto may assume control of legal defense in such cases, and the User must cooperate and cover related costs.

AML and Anti-Terrorism Financing Compliance

The User guarantees that they, their shareholders, or representatives are:

• not under investigation or conviction (nationally or internationally) for drug trafficking, terrorism, money laundering, etc.;
• not listed in AML/CFT databases.

If any such circumstance arises, the User must immediately notify Pexto, who may restrict or terminate access.

Pexto, acting as a payment agent, is not liable for the User's compliance failures.

Modifications to the Platform, Services, or Terms

Pexto reserves the right to modify these Terms at any time by updating this notice, without prior notice.

Users must periodically review the Terms. Continued use of the Services implies tacit acceptance of any changes.

Pexto may also suspend, modify, or terminate the Platform or Services at any time without liability to the User.

The User waives any claim against Pexto for such actions.

Contact Details

Colombia

• Entity: Pexto Colombia S.A.S.
• Address: Calle 95 13-35, Bogotá
• Email: cobrelegal@cobre.co

Mexico

• Entity: Pexto México S.A. de C.V.
• Address: Chihuahua 97-B, Colonia Roma Norte, Alcaldía Cuauhtémoc, CP 06700, Ciudad de México
• Email: cobrelegal@cobre.co

Term and Termination

These Terms are effective indefinitely until modified or terminated by Pexto.

However, confidentiality, indemnity, and liability provisions survive for 5 years after termination.

Prohibited Industries

The following industries are prohibited from transacting through Cobre:

• Sale of illegal goods or services
• Narcotics or illicit drugs
• Child pornography
• Adult entertainment
• Cannabis and derivatives
• Wholesale trade in waste, scrap, junk
• Pawn shops
• Arms manufacturing or sales
• Mining/trade of gold, gems, or precious metals
• Currency exchange services
• Digital assets and microloans (via PSPs)

Violation may result in contract termination.

Governing Law and Jurisdiction

Colombia

• Law: Colombian law
• Jurisdiction: Colombian civil courts (unless arbitration agreed)

Mexico

• Law: Applicable law in Mexico City
• Jurisdiction: Courts of Mexico City

The User waives any other applicable jurisdiction.

If accessing from outside Colombia or Mexico, the User does so at their own risk and must comply with local laws.

Contact Us

If you have any questions, please contact Comun customer service at +1 (646) 600-5660 or ayuda@comun.app.

‍