The following terms and conditions (together with any documents referred to herein) (collectively, this “Agreement”) represent a contract between you (“you” or “your”) and INTERCAMBIO EXPRESS, INC., an Indiana corporation (“InterCambio Express”) and WALETEROS FINTECH, LLC., a Delaware corporation (“Waleteros”) (InterCambio Express and Waleteros are collectively referred to herein as “we” or “us” or “our”) governing the money transfer service provided by InterCambio Express (the “Money Transfer Service”) via the Waleteros websites (“Waleteros Websites” includes Waleteros mobile applications). This User Agreement is effective as of November 3rd, 2017.

For purposes of this Agreement: (a) “Money Transfer” is defined as the transmission of funds to a designated Beneficiary, pursuant to payment terms entered into the Waleteros Websites directly by you; (b) “Beneficiary” is defined as the individual designated by you as the recipient of the Money Transfer, who is acceptable to InterCambio Express, and receives a Money Transfer at a participating Paying Agent location; (c) “Paying Agent” is defined as an entity, appointed by InterCambio Express, to pay out Money Transfers in the destination country identified in your Money Transfer instructions; (d) “Service Charge” is defined as the fee charged for a Money Transfer; and “Account” means the records we maintain to account for the transactions performed with the Waleteros Websites.

Waleteros is not the provider of the Money Transfer Service, and you expressly release Waleteros from any claims related to the Money Transfer Service. This Agreement confers rights and remedies upon the parties. Any questions or support you need related to your Waleteros Account should be directed to Waleteros at 1-844-889-2538 or by writing to Waleteros, 1010 NE 2nd Avenue, Miami, Florida 33132.

For purposes of this Agreement, our business days are Monday through Friday, excluding federal holidays, even if we are open. Waleteros Websites’ and InterCambio Express’ customer service hours are 8AM – 12AM ET, seven days a week. Any reference to “days” in this Agreement means calendar days unless otherwise indicated.

Do not access or use the Money Transfer Service if you do not agree to be bound by the User Agreement. By accessing and using the Money Transfer Service, you are agreeing to the User Agreement.

Contacting Us. For customer service, additional information, or questions regarding the Waleteros Websites or the Money Transfer Service, please contact Waleteros’ customer service at 1-844-889-2538 or Waleteros Fintech LLC, 1010 NE 2nd Avenue, Miami FL 33132.