“We,” “us,” and “our” means Inter & Co Payments, Inc. (d/b/a “inter&co”) and our successors, assignees or affiliates. Inter & Co Payments, Inc. is referred to in this Agreement as “inter&co”.

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 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 allows people to send and receive money, reload pre-paid cell phones, and pay bills around the world. 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 prior to any foreign exchange conversion.

The “Payout Amount“ is the amount paid out to the Recipient, excluding any taxes or charges that may 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 ju-risdictions. The Service is only available in those U.S. jurisdictions where the Inter & Co Payments, Inc. is licensed or oth-erwise 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 may apply. Payment is due at the time your transaction is submit-ted for processing. For trans-actions originating in the U.S., Inter&co only accepts payment in U.S. Dollars. If you submit a transaction that results in in-ter&co being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.

b.Payment. In order for us to collect payment from you, you authorize us to access or debit funds from any of the payment in-struments 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 ex-ample, 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. Inter&co is not responsible for any fees or charges that may be imposed by the financial institutions associat-ed with your Payment Instruments. Inter&co 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, Inter&co and its Service Providers (defined below) typically profit when you pay for a Transac-tion in a currency and it settles in another coin. 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, Inter&co 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 Inter&co harmless from any losses, costs, ex-penses 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 Transac-tion or Service Fee that you have authorized on our website in accordance with this Agreement. You authorize Inter&co to debit your Payment Instrument, bank account or debit card account and/or charge against your credit card account for any amounts owing to Inter&co 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, ei-ther on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked ac-counts, or on related accounts or households, in Inter&co 's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part there-of) 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 Trans-action 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.Reload Pre-Paid Mobile Phones. You understand that our responsibility for mobile reload Transactions is to confirm the transfer of the payout amount from a sender’s account to a beneficiary’s pre-paid mobile phone account as a mobile reload. You further understand that we provide estimates of the local taxes and other fees that may be charged by a beneficiary’s wireless carrier (the “Carrier“) to a mobile reload transaction, but that the exact amount of the local taxes and fees are de-termined by the beneficiary’s destination country and local carrier. You agree that you and/or your beneficiary have read the terms and conditions applicable to the beneficiary’s mobile phone account (the “Carrier Agreement“), which terms may in-clude, for example, fees and taxes charged on a mobile reload, the expiration of the mobile reload and the quality and quanti-ty of airtime, data and other services for which the mobile reload may be used. Once the payout amount is accepted by the carrier, the Carrier Agreement applies to all services for which the mobile reload may be used by the beneficiary. Terms and conditions vary by carrier, destination country and the terms of the Carrier Agreement. You agree to contact your carrier di-rectly with questions or problems regarding the application of the mobile reload to services provided by the carrier.

d.Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules, or regu-lations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation) sexual-ly-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, Inter&co reserves the right to report you to the appropriate law enforcement agency or agencies.

e.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, re-fuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Office of For-eign 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.

f.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 Inter&co so before the Transaction is processed. You agree to provide us with complete and accurate in-formation with respect to such individual or business entity as requested by Inter&co and in accordance with applicable law.

g.No Changes. We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate

h.Restricted Activities. In connection with your use of our website or the Service, or in the course of your inter-actions with In-ter&co, a user or a third party, you shall not:

I.Breach this User Agreement, or any other agreement between you and Inter&co;
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 Inter&co's Privacy Policy. The Privacy Policy can be found by clicking here: 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 al-so lawfully obtain information about you from other sources with-out 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 en-forcement 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 con-sider necessary to val-idate 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 data-bases, 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. Residents of certain jurisdictions may also consider the following:

ERROR RESOLUTION

WHAT TO DO IF YOU HAVE A PROBLEM WITH YOUR TRANSFER: We appreciate your business and we are committed in delivering “best in class” financial services. If you think there has been an error or problem with your remittance transfer, please:

Email us at: help@inter.co
⁠Or call us at: 888-305-7264
Or write to us at: Inter & Co Payments, Inc.
Attention: Customer Service
501 Brickell Key Drive, Ste 202 Miami, FL 33131

In order for us to resolve an error, 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 and telephone number;
(2) Your email address;
⁠(3) The error or problem with the transfer, and why you believe it is an error or problem;
⁠(4) The name of the person receiving the funds, and their address and telephone number;
(5) The dollar amount and date of the transfer; and
⁠⁠(6) The confirmation number of the transaction.

We will help to resolve any errors in your remittance transfer. 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 com-pleting 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.

YOUR CANCELLATION RIGHTS: Notwithstanding any other terms or conditions, in accordance with U.S. law any international transaction may be canceled for a refund of the full transfer amount and any fees paid within 30 minutes of payment, unless the funds have been picked up or deposited to the Recipient’s account.

In order to request a cancellation within 30 minutes please contact us at 1-888-305-7264 or help@inter.co

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 request is made within 30 minutes and the funds have not already been picked up or deposited into the Recipient’s account.

Error Resolution and Cancellation Disclosure: You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1-888-305-7264 or help@inter.co. You can also contact us 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 Inter & Co Payments, Inc. contact: Califor-nia Department of Financial Protection & Innovation, 1-866-275-2677 https://dfpi.ca.gov/ email: Ask.DFPI@dfpi.ca.gov or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372, & (TTY/TDD) www.consumerfinance.gov Recipient may receive less due to fees charged by the recipient's bank and foreign taxes.

Consumer Commitment: The consumer accepts the terms and conditions included in this agreement and acknowledges and agrees that you are providing Inter & Co Payments, Inc., with true, accurate, current and complete information, and that will not use Inter & Co Payments, Inc. services for or in connection with any prohibited activity. Where applicable, bank account information must be accurate, as the money may not be recoverable if deposited to the wrong account. Customer must be 18 years or applicable State legal consent age to use this service.

Date of Funds Availability: Your transaction may be delayed or cancelled by certain aspects of the service included but not limited to: identity verification, validation of your transaction’s instructions, fraud, compliance review, currency availability of our service providers, or ultimately unavailability due the compliance with the applicable laws or holidays. Nevertheless, you may be entitled to a refund in accord-ance with our terms of use and subject to applicable laws.

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 1-888-305-7264.

For California Residents Only: If you have complaints with respect to any aspect of the money transmission activities conducted with Inter&co, you may contact the California Department of Financial Protection & Innovation at its toll-free telephone number, 1-866-275-2677, by email at Ask.DFPI@dfpi.ca.gov, or by mail at California Department of Financial Protection & Innovation, 2101 Arena Blvd, Sacramento, CA 95834.

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 Inter & Co Payments, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions commit-ting 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. In addition to the above, you have the following rights: You are entitled to obtain a refund or request that Inter&co 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, Inter&co determines that an error occurred.

If you want a refund, you must mail or deliver your written request to Inter & Co Payments, Inc. at 501 Brickell Key Drive, Suite 202, Miami, FL 33131. 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.

For Alaska Residents Only: If your issue is unresolved by Inter & Co Payments, Inc., DBA Inter&co & 1-877-766-8825, 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 Nine Zero Seven Four Six Five Two Five Two One.

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 doc@inter.co or mail to 501 Brickell Key Drive, Suite 202, Miami, FL 33131. Your consent or consent revocation must include your name, ad-dress and your signature. Any questions please contact us at 1-888-305-7264.

For Minnesota Residents Only:
Voluntary Disqualification by customer

You, the customer, are entitled from voluntary disqualify yourself from sending or receiving money transfers, this disqualifica-tion last for one year unless you give instructions that it be in effect for a period longer than one year. You, the customer may terminate this disqualification at any time upon written request to Inter & Co Payments, Inc., at 501 Brickell Key Drive, Suite 202, Miami, FL 33131 or by help@inter.co or call us 1-888-305-7264.

Please submit your self-disqualification form by sending your request to help@inter.co

FRAUD ALERT If you are sending money to someone you don’t know or w hose identity you can’t verify it can be part of fraudulent scam, please ask the agent to stop your transfer immediately, or call Inter & Co Payments, Inc. at 1(888) 305-7264 to report it.

How to File a Complaint:
To file a complaint first contact Inter & Co Payments, Inc., listed below are the ways to contact Inter & Co Payments, Inc.'s cus-tomer service.

If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with Inter & Co Payments, Inc., you may contact the Customer Service Department.

Write: Inter & Co Payments, Inc.
Attention: Customer Service
⁠Address: 501 Brickell Key Drive, Suite 202 Miami, FL 33131
Telephone: 1-888-305-7264
Fax: (310) 388-5457
Email: help@inter.co

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 costumers:
If your issue is unresolved by Inter & Co Payments, Inc., DBA Inter&co & 1-877-766-8825, 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 Nine Zero Seven Four Six Five Two Five Two One.

Arkansas Customers:
Arkansas Securities Department
⁠https://www.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:
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 In-novation, Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.

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
http://www.flofr.com
Telephone number: 850-487-9687
Toll-Free: 1-877-MY-FL-CFO (1-877-693-5236)

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
http://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
http://www.idfpr.com
Telephone number: 888-473-4858

Iowa Customers:
Iowa Division of Banking Finance Bureau
https://www.idob.state.ia.us
Telephone number: 515-281-4014

Indiana Customers:
Indiana Department of Financial Institutions
https://www.in.gov/dfi
Telephone number: 1.800.382.4880
Email: dficomplaints@dfi.in.gov

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
http://www.ofi.louisiana.gov
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/

Maryland Customers: Regulation for the
State of Maryland will accept all questions or
complaints from Maryland residents regarding
Inter & Co Payments, Inc.
NMLS # 907330 at: 500 N Calvert Street, Suite 402,
Baltimore, Maryland, 21202,
Phone toll free 888-784-0136.
Inter & Co Payments, Inc., 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 Or Email:
Online:difscomplaints@michigan.gov

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
NMLS ID 907330

Mississippi Customers:
Mississippi Department of Banking & Consumer Finance
http://www.dbcf.state.ms.us
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 Inter & Co Payments, Inc., directly

New Hampshire Customers:
State of New Hampshire Banking Department
www.nj.gov/dobi
53 Regional Drive, Suite 200, Concord NH 03301
Telephone: (603) 271-3561
TDD Access: Relay NH 1-800-735-2964
Fax: 603 -271-1090
E-mail legal@banking.nh.gov

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
http://www.rld.state.nm.us
Telephone number: 505-476-4885

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:
ND Dept. of Financial Institutions Consumer Division
https://www.nd.gov/dfi
Telephone number: 701- 328-9933

Nebraska Customers:
Nebraska Financial Institutions Division
http://www.ndbf.ne.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
www.fid.state.nv.us
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

Oregon Costumers:
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 number: 615- 741-2236 or 1-800-778-4215
E-mail TDFI.Contact@tn.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
E-mail: dfr.bnkconsumer@vermont.gov

Virginia Customers:
Virginia Bureau of Financial Institutions
http://www.scc.virginia.gov/bfi/
Telephone number: 804- 371-9657 or 800-552-794

Washington Customers:
Washington Department of Financial Institutions
https://dfi.wa.gov
Telephone number: 360-902-8703
1-877-RING DFI (1-877-746-4334)
E-mail: CSEnforceComplaints@dfi.wa.gov

West Virginia Customers:
West Virginia Division of Financial Institutions
www.dfi.wv.gov
900 Pennsylvania Avenue, Suite 306, Charleston, WV 25302-3542
Phone: (304) 558-2294 | Fax: (304) 558-0442

Wisconsin Costumers:
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
http://wyomingbankingdivision.wyo.gov
Telephone number: 307-777-7797

8. INTER 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 Inter&co copyrights, trademarks, service marks, logos, and product and service names are owned exclu-sively by Inter&co (the “Inter&co Intellectual Property“). You agree not to display, use, copy, or modify the Inter&co 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 there-of); or (iii) infringe Inter&co '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, IM-PLIED OR STATUTORY. WE, OUR SUB-SIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PUR-POSE 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 Inter&co, Service Providers, and their respective subsidiaries, affiliates, officers, direc-tors, agents, partners, and employees harmless from any and all claims or demands, including rea-sonable 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, (iiv) your violation of any rights of anoth-er, and (iiiv) 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 CALI-FORNIA, IN NO EVENT SHALL INTER&CO, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIAR-IES, OFFICERS, AGENTS, PART-NERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, IN-CIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND SERVICE FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER IN-TANGIBLE LOSSES (EVEN IF INTER&CO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAG-ES) RESULTING FROM NEGLIGENCE ON THE PART OF INTER&CO, DISBURSE-MENT 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 California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dis-pute, 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 California, except that body of law governing conflicts of law.

b.Disputes with Inter&co. If a dispute arises between you and Inter&co, our goal is to learn about and address your con-cerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolv-ing the dispute quickly. Disputes between you and Inter&co regarding the Service may be reported to Customer Service by telephone at 1-888-305-7264; or by mail at Inter&co, Attn: Customer Service, 501 Brickell Key Drive, Suite 202, Miami, FL 33131, USA.

⁠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 man-ner 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 pro-vider 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 ju-ris-diction.

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 Inter&co must be resolved by a federal or state court located in Los Angeles Coun-ty. You agree to submit to the personal jurisdiction of the courts located within Los Angeles County, California for the purpose of litigating all such claims or disputes.

Improperly Filed Litigation. All claims you bring against Inter&co 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, Inter&co may recover attorneys' fees and costs (including in- house attorneys and paralegals) up to $1, 000.00 USD, provided that Inter&co 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 in-formation (“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 Ser-vice; (iii) any initial, periodic or oth-er 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 Inter&co.

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 In-ter&co's e-mail servers, (iii) a personal computer, operating system and telecommunications connections to the Inter-net capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your computer's hard drive or other data storage unit, (v) 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 (888) 305-7264.

⁠14. MISCELLANEOUS

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

b.No Waiver. The failure of Inter&co to exercise or enforce any right or provision of the User Agreement shall not consti-tute a waiver of such right or provision. If any provision of the User Agreement is found by an arbitrator or court of com-petent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give ap-propriately valid effect to the intention of the User Agreement as reflected in the pro-vision, 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 ter-minate 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 User Agreement, the English text shall be binding.

15. SECURITY AND FRAUD PREVENTION

Your security is very important to Inter&co, and we work hard, utilizing state-of-the-art security measures, to make sure that your information is secure. Inter&co is a safe and convenient way to send money to family members and to other people that you trust. But 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 im-mediately by telephone at 1-888-305-7264. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at abuse@inter.com. And if you receive any fake (phishing) emails, purporting to be from Inter&co, please for-ward them to us at abuse@inter.co

16. LN DISCLOSURE

You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or other branded wireless operator) to disclose to Inter & Co Payments, Inc., DBA Inter&co 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 relation-ship. 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 Inter&co, as follows: by telephone at 1-888-305-7264; by email at help@inter.co or by mail at Inter & Co Payments, Inc., Attn: Customer Service, 501 Brickell Key Drive, Suite 202, Miami CA 90266, USA.

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