Terms and Conditions

Last Updated: March 13, 2023

Kwik Dollar (“Dinexenvios.com”) website (www.dinexenvios.com) (“website”) and mobile application (“mobile app,” and together with the website, the “Application”). The following terms and conditions (the “Terms of Use) represent a contract between you and Dinexenvios.com and apply to your use and access of the Application and any associated online services. The website enables you to send cash from the convenience of your computer or mobile device to beneficiaries virtually anywhere in the world, subject to these terms and conditions (a “money transfer”).

You are not authorized to use the website if you do not agree to be bound by the terms set forth in this User Agreement. By accessing or using the online service, you agree to be bound by the terms and conditions of this Agreement, as may be amended from time to time. Please read this User Agreement carefully and make sure you understand it fully before using the website.

As used throughout this User Agreement, the terms "DINEXENVIOS.COM Money Transfer", "we", "us", and "our" refer to Kwik Dollar LLC dba DINEXENVIOS.COM, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms "you" and "your" refer to users of the online service, whether in their capacity as Senders, Beneficiaries or visitors to our website.

1. OVERVIEW OF THE ONLINE SERVICE

The online service is intended for our customers to send money transfers and mobile top-ups to beneficiaries. We recommend that the online service only be used to send money to people you know personally. You should not use the online service to send money to someone you do not know.

CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS.

We do not guarantee delivery or suitability of goods or services paid for with money transfers initiated through our online service. If you believe someone is trying to scam or defraud you or your Kwik Dollar LLC dba DINEXENVIOS.COM username or password have been lost or stolen, please contact us immediately by telephone 1-888-993-4639 or mail at 5851 San Felipe St Ste 400, Houston, TX 77057.

Anytime you use our online service, you should safeguard your password and only use Kwik Dollar LLC dba DINEXENVIOS.COM for legal purposes only. Definitions:

• Sender: is the person who uses the online service to send money or to send mobile reloads.
• Beneficiary: is the person for whom a Sender makes a bill payment through the online service. (For instance, imagine that you use the online service to pay a bill for your relative). Your relative would be your Beneficiary and the company which receives the payment is the Online Service Company for that Transaction). You understand that the person referred to as a Beneficiary in this User Agreement may be referred to as the "Beneficiary" on your bill payment receipt.
• Receiving Country: is the country in which the Beneficiary or Online Service Company receives money or a mobile reload through our service.
• Transaction: is a specific instruction to send money through the online service.
• Transaction Amount: is the amount of money that the Sender provides to Kwik Dollar LLC dba DINEXENVIOS.COM to be sent in the Transaction, without the Transaction Fee.
• Transfer Fee: is the fee that the customer will pay for the transfer cost.
• Other Fees: Additional fees for the customer to pay such as: bank or card fees and/or taxes or charges levied by the Beneficiary’s country.
• Total to Beneficiary/ Payout Amount: is the amount paid out to the Beneficiary or Online service Company, excluding any taxes or charges that may be levied under the laws of the receiving Country (Transfer Taxes).

2. OFFER AND ACCEPTANCE

In case that you submit a Transaction, it shall be deemed as a request for us to process your Transaction, an offer which we may accept or reject at our sole discretion from our head office in Houston, Texas. Please read this Agreement carefully before using the website. By using the website and by clicking to accept or agree to the terms of use when this option is made available to you, you accept and agree to be bound and abide by these terms of use and our Privacy Policy with respect to the service and money transfer transactions originated from the website. If you do not want to agree to these terms of use or the Privacy Policy, you must exit the website, and not use our money transfer service.

3. ACCESS TO THE ONLINE SERVICE

i) Eligibility of Users:
To be eligible to use our online service as a Sender, you must be at least eighteen (18) years old. In addition, you must be able to form legally binding contracts under applicable law and other restrictions may apply.

ii) Not available in certain countries:
The online service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

III) Mobile Online Services:
You can also access our online service via a mobile device. You may incur mobile carrier's standard charges, data rates and other fees not related to fees charged by Kwik Dollar LLC dba DINEXENVIOS.COM for mobile online services.

4. REMITTANCE

a) Charges:
For each transaction sent on your behalf, charges may apply in addition to the Transfer Fee. When those fees and charges are known, we will notify you of them before processing the transaction or, in some cases, provide an estimated amount. Your payment must be made on the same day as you are sending the transaction for processing. Kwik Dollar LLC dba DINEXENVIOS.COM only accepts payments in U.S. dollars (USD). If you send a transaction, where Kwik Dollar LLC dba DINEXENVIOS.COM receives less funds than required, chargeback fees, insufficient funds fee or similar charges may be imposed and you agree to reimburse Kwik Dollar LLC dba DINEXENVIOS.COM for all the mentioned charges.

b) Foreign Currency:
When initiating a send Transaction, you agree to transfer the money in the set currency of where your Beneficiary is located. In addition to the Transfer Fee, a currency exchange rate may apply to the Transaction. Currency is converted to at an exchange rate set by us. Any difference between the rate given to you and the rate received by us will be kept by Kwik Dollar LLC dba DINEXENVIOS.COM in addition to the Transfer Fees. You may find out the current foreign exchange rate provided by Kwik Dollar LLC dba DINEXENVIOS.COM to its customers by calling toll-free to 1-888-993-4639 or by viewing the disclosed exchange rates posted on the website.

Subject to applicable law, the actual or estimated currency exchange rate applicable to your transaction will be provided to you on the written disclosures provided to you by Kwik Dollar LLC dba DINEXENVIOS.COM in connection with your Transaction. Payouts will generally be made in the national currency of the payout location ("local currency"). We are not responsible for the currency exchange rate that will be applied if the Beneficiary chooses to receive a currency other than the currency where s/he is located.

c) Payments:
You authorize us to access, charge and debit funds from any of the Payment Methods that we make available in our online service. This will include, but not be limited to, credit card, debit card or an ACH transaction (direct debit). We do not accept pre-paid cards. If the payment cannot be fully completed or is an insufficient amount, we may retry debiting one or more times or, you shall change the payment method and pay us with a different payment method. You represent and guarantee to be the legitimate owner of the payment method used.

d) Other Charges:
Kwik Dollar LLC dba DINEXENVIOS.COM is not responsible for any additional charges from financial Institutions related to the payment methods that we make available in our online service. Kwik Dollar LLC dba DINEXENVIOS.COM will not be responsible for charges caused by lack of funds, overdraft or additional costs or fees charged by your bank, credit/debit card issuer, providers related to use of the online service.

e) Programmed Money Transfers:
When using this online service, you authorize Kwik Dollar LLC dba DINEXENVIOS.COM to create a transaction in your name. When creating money transfer transactions that involve currency exchange, you understand that it’s impossible for Kwik Dollar LLC dba DINEXENVIOS.COM to guaranty a future exchange rate. By using the website, you acknowledge and accept the exchange rate offered by Kwik Dollar LLC dba DINEXENVIOS.COM for the day.

f) Pre-Payment Disclosures and Receipt:
Prior to making a payment, Kwik Dollar LLC dba DINEXENVIOS.COM will provide you with the following pre-payment disclosures:

• Amount to be transferred
• Front-end fees and taxes
• Exchange rate (or estimate as permitted by law)
• Covered third-party fees
• Total amount to be received by designated recipient

Upon your making a payment in connection with a transaction, Kwik Dollar LLC dba DINEXENVIOS.COM will provide you with a receipt containing the following information:

• Applicable pre-payment disclosures
• Date of funds availability
• Name of designated recipient
• Error resolution/cancellation
• State regulator and CFPB contact information
• Transfer date

5. TRANSACTIONS PAID OUT

I) Involved Service Providers:
We operate with local banks, money exchange houses, and other third-party online service providers to pay in the destination countries.
You agree on sending the transaction amount to the Beneficiary as specified in the transaction with the purpose of receiving the funds related with the online service. We will make an effort to keep up to date the locations, availability and timetables of our online service providers. You agree, acknowledge and accept that Kwik Dollar LLC dba DINEXENVIOS.COM will not in any way be responsible for any incomplete or inexact information that may be published on our websites.

II) Identity Verification
You may be required to provide us with certain information, including certain government-issued identification documents, to allow Kwik Dollar LLC dba DINEXENVIOS.COM, among other things, to verify your identity and to complete the transaction. You agree that the information you provide is not false, inaccurate or misleading. Please refer to our Privacy Policy for information concerning use of your information.
You authorize Kwik Dollar LLC dba DINEXENVIOS.COM and third-party providers to contact the Beneficiary and save all required information necessary for a proper performance of the transaction. You represent and warrant that the information in the account or bank details are correct, as money may not be recovered if it’s sent to the wrong account.

6. LIMITATIONS/RESTRICTIONS

At any moment, and without prior notice and our full discretion, we may reject any transaction or limit the amount to transfer, for any transaction or group of transactions.

I) Delay Policy.
Your Transaction may be delayed or canceled in our discretion and without prior notice before the Beneficiary or third-party supplier has received the Transaction Amount. We may delay or cancel the Transaction for any reason, that include among others: lack of identity verification, payment method validation, fraud and anti-money laundering compliance review, contacting or locating you, your Beneficiary, the online service provider. Working timetable, system availability or disposal of currency may also be a reason for delay. Nonetheless you are entitled to request a refund in certain circumstances.

iii) Restrictions on Commercial Transactions.
You may only use the online service to send money for and/or to Beneficiaries that you know for non-commercial purposes. If the online service is used for commercial purposes, we may, in our sole discretion, cancel your transaction/s and close your account.

II) Unauthorized Transactions.
The purpose of our online service is to allow customers to transfer money to families and friends. We may, in our sole discretion, cancel any transaction or close any account that we suspect has been used for any non-personal reasons. You may not use the online service in violation of this Agreement, applicable laws, rules or regulations. It is a violation of this Agreement if you use the online service for any of the following, but limited to, activities: sexually oriented online services or materials, gambling, fraud, money laundering, financing of terrorist organizations, buying or selling tobacco, firearms, medicines or banned drugs; or sending money to a politically exposed person or a Beneficiary that has previously violated this Agreement. If you use our online service for these purposes, Kwik Dollar LLC dba DINEXENVIOS.COM reserves the right to report the activity to the authorities.

III) Restricted Activities.
As a user of the online service, you agree that you will not do any of the following:

• Breach this or any other agreement between you and Kwik Dollar LLC dba DINEXENVIOS.COM.
• Open more than one account.
• Provide false, incorrect or misleading information.
• Fail to cooperate with any investigation or to provide confirmation of your Identity or any other information we may need.
• Use an anonymous proxy server.
• Make a cash advance from your credit card (or help others to do so).
• Share transaction data or other information with anyone but the online services firm, your recipient and/or your Beneficiary and you will instruct the recipient or Beneficiary not to share transaction numbers or other information.
• Violate any other restriction of this end user agreement.

IV) Eligibility.
We reserve the right, in our sole discretion, to reject transactions involving certain payment instruments. In addition, we may reject transactions, from certain senders or those directed to certain beneficiaries or to certain online services firms, including those persons who appear on the Specially Designated Nationals list, Non- cooperative Countries and Territories list or any other list issued by the USA government, the Treasury Department or any other governmental agency.

V) Others.
You are not allowed to send or receive transactions:
1) On behalf of any other person
2) On behalf of any firm or person
3) On behalf of any charity organization without our consent.
You may send transactions to online services firms or beneficiaries who you personally know. At any time and in our sole discretion, we may reject any transaction, close multiple accounts linked to: any individual, persons related to that individual or persons sharing a household with that individual.

VI) Impossibility of any Change.
You may not change your transaction details once it has been processed by us, except as may be permitted by law. It is your responsibility to review the transaction details provided to us for accuracy before it is submitted for processing.

7. COLLECTION OF INFORMATION

Privacy policy.

By accepting this user agreement, you acknowledge and accept the privacy policy of Kwik Dollar LLC dba DINEXENVIOS.COM which constitutes an agreement between you and Kwik Dollar LLC dba DINEXENVIOS.COM.

Divulgation of Information to the Government: The law allows the release and/or disclosure of non-public personal information about you and transactions conducted by you to government authorities and enforcement agencies as explained in our privacy policy.

Client Identification Program: We are required to collaborate with the government to help fight against terrorist financing, money laundering and other financial crimes. U.S. law requires that we obtain, verify and maintain information about you. For that reason, we may ask you to provide us with nonpublic, personal identifying information, about you or your beneficiary. We may also lawfully obtain information about you from independent sources, without your knowledge or consent, including non-personal identifying information that we may obtain when you visit our website.

Information verification: You authorize us to verify whatever we consider is necessary through the sources we need in order to validate the information you provide us. This may imply a request for additional info, requiring you to take steps to confirm your email address, mobile device or financial instruments or verify against 3rd party databases or any other sources. This can also include the verification of your beneficiary’s information.

8. ERRORS AND PROBLEMS

I) Errors
You have a right to dispute errors in your Transaction. If you believe there is a mistake, please contact us within 30 days from your transaction date by calling us at 1-888-993-4639 or by mail at 5851 San Felipe St. Ste 400, Houston, TX 77057.

You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient.

• Your name and address or telephone number;
• The error or problem with the transfer, and why you believe it is an error or problem;
• The name of the person receiving the funds, and if you know it, his or her telephone number or address;
• The dollar amount of the transfer; and
• The transaction number.

Upon receiving an error resolution report from you, we will determine whether an error occurred within ninety (90) days after you contact us and we will correct any error promptly. We will tell you the results within three (3) business days after completing our formal investigation. If we decide that there was no error, we will send you a written explanation. If an error did occur, we will correct it within 1 business day, or as soon as practicable, of receiving your instructions. You may request a written explanation of your rights as a consumer by calling us at 1-888-993-4639.

II) Complaints
To submit any complaints related to services rendered by Kwik Dollar LLC dba DINEXENVIOS.COM, please contact us at 1-888-993-4639 or by mail at 5851 San Felipe St. Ste 400, Houston, TX 77057

III)State-Specific Provisions for Complaints:

The following provisions apply to the residents of the states identified below:

*California: Any complaints regarding our money transfer services may be submitted to the California Department of Financial Protection and Innovation by calling 1-866-275-2677, or through ordinary mail to the following address: Department of Financial Protection and Innovation, Consumer Services Office,1201 Arena Blvd, Sacramento, CA 95834, or by email at Ask.DFPI@dfpi.ca.gov.
*Illinois: Any complaints regarding our money transfer services may be submitted to the Illinois Department of Financial and Professional Regulations by calling 1-888-473-4858 or mail to Illinois Department of Financial and Professional Regulations: 320 W. Washington, Suite 550 Springfield, IL 62786.
*Texas: If you have a complaint, first contact the consumer assistance division of Kwik Dollar LLC dba DINEXENVIOS.COM at 1-888-993-4639, if you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to: Texas Department of Banking, Non-Depository Supervision Division, 2601 North Lamar Boulevard, Austin, TX 78705 or Toll free 1 (877) 276-5554 / Fax 512-475-1288 or by E-mail: msb@dob.texas.gov / Website Address: www.dob.texas.gov.

IV) (UDAAP) Policies

It is the policy of the Kwik Dollar LLC dba DINEXENVIOS.COM to comply with Section 1036 of the Dodd-Frank Act, which prohibits “unfair or deceptive acts or practices in or affecting commerce,” and all published guidance by our federal regulator and the Consumer Financial Protection Bureau (CFPB) regarding managing risks relating to unfair, deceptive, and abusive acts and practices (UDAAP) and general guidance on measures that money transmitter can take to avoid engaging in such acts or practices, including best practices.

Section 1031 of Dodd-Frank gives the CFPB authority to declare a product or service abusive if it: • Materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; or •

Takes unreasonable advantage of:

• A lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service;
• The inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service; or
• The reasonable reliance by the consumer on a covered person to act in the interests of the consumer.

LEGAL STANDARDS UNDER THE DODD-FRANK ACT The legal standards for unfairness and deception are independent of each other. Depending on the facts, a practice may be unfair, deceptive, or both. The legal standards set forth in the DoDD Frank Act are briefly described below. An act or practice is unfair where it:

• Causes or is likely to cause substantial injury to consumers
• Cannot be reasonably avoided by consumers
• Is not outweighed by countervailing benefits to consumers or to competition

Public policy, as established by statute, regulation, or judicial decisions may be considered with all other evidence in determining whether an act or practice is unfair.

9. CANCELLATION AND REFUNDS

I) Money Transfer Cancellation and Refunds Disclosures (All States except California)
You may cancel a Transaction for a full refund of the principal and fees paid within 30 minutes of payment, unless the funds have been picked up or deposited. You may also receive a full refund in certain circumstances if you successfully assert an error or as otherwise provided under applicable law. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge, within the next 3 days of your request. For any transfer scheduled at least 3 business days in advance, you must cancel at least 3 business days before the scheduled date of transfer. Refunds will be credited to the same payment instrument used to pay for the Transaction. Refunds are only made in U.S. dollars.

III) State-Specific Money Transfer Cancellation and Refund Disclosures (California Only)
RIGHT TO REFUND: "You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if Kwik Dollar LLC dba DINEXENVIOS.COM 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 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 write us via mail at 5851 San Felipe St. Ste 400, Houston, TX 7705. In case you do not receive your refund, you may be entitled to your money back plus a penalty of up to US$ 1,000 and attorney’s fees according to Section 2102 of the California Financial Code.”

10. 10. KWIK DOLLAR LLC DBA DINEXENVIOS.COM'S INTELLECTUAL PROPERTY

You acknowledge and agree that Kwik Dollar LLC dba DINEXENVIOS.COM as the sole owner of the online service which includes: our websites, text, graphics, links, buttons, logos, and images, as well as all other Kwik Dollar LLC dba DINEXENVIOS.COM patents, copyrights, trademarks, trade secrets, online service marks, logos, and product and online service names that are all exclusively owned by Kwik Dollar LLC dba DINEXENVIOS.COM (the "Kwik Dollar LLC dba DINEXENVIOS.COM Intellectual Property"). You agree not to display, use, copy, or modify the Kwik Dollar LLC dba DINEXENVIOS.COM Intellectual Property in any manner. You are only allowed to view and retain a copy of our website pages for your own personal non-commercial use. Additionally you agree not to:

1. use any automated devices, data mining, robots, or any other similar practice for data gathering or extraction methods to access or use the online service;
2. modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the online service, in whole or in part, except the information you upload to the online service through legally permissible means;
3. remove or modify any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or
4. infringe on Kwik Dollar LLC dba DINEXENVIOS.COM or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. The software and the technology underlying the online service are the property of Kwik Dollar LLC dba DINEXENVIOS.COM. Subject to the terms and conditions of this User Agreement, Kwik Dollar LLC dba DINEXENVIOS.COM hereby grants you a non-transferable, non-sub licensable, and non-exclusive right and license to use the object code of any software on your device(s) solely in connection with the online service, provided that you agree not to copy (except as expressly provided herein), modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the software. Any rights not expressly granted herein are reserved by Kwik Dollar LLC dba DINEXENVIOS.COM.

11. DISCLAIMER OF WARRANTIES

TO THE EXTENT PERMITTED BY LAW, THE ONLINE SERVICE AND SOFTWARE ARE PRESENTED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION. EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS 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. However, we cannot make any representations or warranties regarding the time needed to complete the processing due to certain factors that are beyond our control. This warranty gives you specific legal rights and other conditions may arise in connection therewith, which may vary from state to state. Notwithstanding the foregoing, you have the right for a refund as is expressed herein.

12. LIMITATION OF LIABILITY

Excluding for claims specified in SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATED IN CALIFORNIA, UNDER NO CIRCUMSTANCES SHALL KWIK DOLLAR LLC DBA DINEXENVIOS.COM, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $250.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IN CASE KWIK DOLLAR LLC DBA DINEXENVIOS.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) AS A RESULT OF NEGLIGENCE ON THE PART OF KWIK DOLLAR LLC DBA DINEXENVIOS.COM, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

13. DISPUTE RESOLUTION AND GOVERNING LAW

I) Governing Law
This User Agreement shall be governed according to the laws of the State of Texas, and any activity relating to the online service shall be deemed to have been performed in Texas. Any dispute, conflict, claim or allegation related with the online service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of Texas.

II) Disputes with Kwik Dollar LLC dba DINEXENVIOS.COM
Any problem or dispute with Kwik Dollar LLC dba DINEXENVIOS.COM’s online service may be reported to our online Customer Service. In the event there is any dispute between you and Kwik Dollar LLC dba DINEXENVIOS.COM, our goal is to obtain as much information as we can in order to resolve it. If our solution is not satisfactory, we will seek to provide you with a neutral and cost-effective means of resolving the dispute expeditiously.

III) Arbitration
Unless you opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what matters are subject to arbitration. The arbitration will be administered by Kwik Dollar LLC dba DINEXENVIOS.COM.
This agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. You may opt out of arbitration within 30 days after initiating a Transaction by writing us at: Kwik Dollar LLC dba DINEXENVIOS.COM, Attn: Customer Service, at 5851 San Felipe St. Ste 400, Houston, TX 77057. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

IV) Forum for Disputes
In the event that you opt out of arbitration as described in section 14c above; you agree that any claim against Kwik Dollar LLC dba DINEXENVIOS.COM must be resolved in the Supreme Court of the State Texas, Harris County, unless both parties agree to a forum for the resolution of the claim.

V) Improperly Filed Litigation
All claims you bring against Kwik Dollar LLC dba DINEXENVIOS.COM must be resolved in accordance with section 14. All claims filed or brought contrary to Section 14 of this agreement shall be considered improperly filed and a breach of this Agreement. In the event of such a breach, Kwik Dollar LLC dba DINEXENVIOS.COM may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that Kwik Dollar LLC dba DINEXENVIOS.COM has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the action.

14. INDEMNITY

You agree to indemnify and hold harmless Kwik Dollar LLC dba DINEXENVIOS.COM, its suppliers, vendors, online service providers, online service companies and their respective subsidiaries, officers, agents, partners, employees, and consultants from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the online service, your connection to the online service, your violation of the User Agreement, or your violation of any rights of a third party arising from this Agreement.

15. ELECTRONIC COMMUNICATIONS

You agree that this User Agreement shall be entered into electronically. Unless otherwise required by law, the following communications will only be transmitted electronically and not in printed paper format or through any other non-electronic means:

1) This User Agreement and our Privacy Policy and all its modifications, amendments or appendixes to them.
2) Your transactions reported through the online service.
3) Any kind of notice or disclosure related to the online service including, without limitation, those required by Federal or State law.
4) Any communication with the client related to the online service including communications related to claims or errors or non-authorized use of the online service.
5) Any other kind of communication related to Kwik Dollar LLC dba DINEXENVIOS.COM or the service.
You may withdraw your consent to receive all communication announcements via the electronic means, which shall have the effect of terminating your access to the online service. If you wish to withdraw your consent, please notify us in writing at: Kwik Dollar LLC dba DINEXENVIOS.COM, Attn: Customer Service, at 5851 San Felipe St. Ste 400, Houston, TX 77057.

To access and retain the any electronic communications directed to you pursuant to this Agreement, you will need the following:
1) An internet browser which allows the use of JavaScript’s, supports the 128bits encryption and accepts first party cookies.
2) An e-mail account with capability to read Kwik Dollar LLC dba DINEXENVIOS.COM emails.
3) An internet connection and a device which support the before mentioned requirements.

16. 16. ADDITIONAL INFORMATION

I) Client updates:
You must inform us immediately of any change in your e-mail or telephone by updating your profile on our website. In the event that Kwik Dollar LLC dba DINEXENVIOS.COM does not have the correct contact information, we may not be able to notify you with important information or changes in your transaction status.

II) Licenses:
We are required by most U.S. jurisdictions in which we operate to have licenses to process money transfer transactions for consumers. A full listing of the state licenses that Kwik Dollar LLC dba DINEXENVIOS.COM holds can be viewed here.

III) Entire Agreement:
This User Agreement constitutes the entire agreement between you and Kwik Dollar LLC dba DINEXENVIOS.COM and governs your use of the online service, superseding any prior agreements between you and Kwik Dollar LLC dba DINEXENVIOS.COM.

IV) No Waiver:
In case Kwik Dollar LLC dba DINEXENVIOS.COM does not enforce or exercise a right or provision of this User Agreement, this shall not constitute a waiver of the right or provision in question, and shall not guarantee that Kwik Dollar LLC dba DINEXENVIOS.COM will repeat any such actions in the future. 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.

V) Modifications:
Except as required by law, we may modify this Agreement without prior notice to you. You can review the latest version of the User Agreement on our webpage. If do not agree with any of the modifications, you may terminate your use of the online service at any time by providing notice of the termination in writing to Kwik Dollar LLC dba DINEXENVIOS.COM. If you are using the online service after the effective date of any modification or amendment, you shall be deemed to have accepted that amendment or modification. You are prohibited from modifying the terms of this User Agreement and acknowledge that any attempts by you to change this User Agreement shall be void.

VI) Language:
In case there is any inconsistency between the different versions of our websites in English, Spanish or any other language, including the User Agreement, the English text shall control and bind the parties.

VII) Assignment:
Subject to applicable law, Kwik Dollar LLC dba DINEXENVIOS.COM may assign this Agreement to a third party without your consent.

VIII) Special note for international use:
Export controls. Software available in connection with the service and the transmission of applicable data, if any, is subject to United States export controls. No software may be downloaded from Kwik Dollar LLC dba DINEXENVIOS.COM or otherwise exported or re-exported in violation of U.S. Export laws. Downloading or using the software is at your sole risk. You agree to comply with all local rules and laws regarding your use of the service, including as it concerns online conduct and acceptable content.

17. SECURITY

The security and integrity of your account are our main priority. We work hard to make sure your information is safe and secure with us. We recommend and urge you not to send money, make any mobile top-ups or pay any fee for someone you do not know personally and trust. You must be especially careful with offers that seem too good to be true. In case you think you have been or might be a victim of any kind of fraud, pl ease do not hesitate in contacting us immediately at: 1-888-993-4639. If you observe someone using the online service in an inappropriate or impermissible way, please notify us by mail at: 5851 San Felipe St. Ste 400, Houston, TX 77057. In the event that you receive any fictitious e-mails purporting to be from Kwik Dollar LLC dba DINEXENVIOS.COM, please contact us directly.

18. CONTACT INFORMATION

Questions, notifications, and requests for refunds or further information can be sent to Kwik Dollar LLC dba DINEXENVIOS.COM, as follows; by mail at Kwik Dollar LLC dba DINEXENVIOS.COM, Attn: Customer Service, 5851 San Felipe St. Ste 400, Houston, TX 77057.