Compliance - Dinex

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DINEX's activities are closely regulated and monitored by state and federal agencies. Federal regulations classify money transmitters such as the Company as an MSB and thereby impose certain obligations.

It is the policy of DINEX to comply with all applicable laws in the discharge of its functions as money transmitter. The Company has created controls, policies and procedures to ensure to comply with all applicable anti-money laundering laws and regulations, including but not limited to Currency and Foreign Transactions Reporting Act, also known as the Bank Secretary Act (“BSA”). Also as required by the FinCEN (Financial Crimes Enforcement Network). A strict legal compliance program specialized in anti-money laundering has also been developed and implemented. The Company’s policies and procedures and the anti-money laundering program, are annually reviewed by an independent consulting firm, to meet pre-set parameters of compliance, in accordance with established industry standards.

DINEX developed within the company a specialized Compliance Department. The main function of the Compliance Department is to overseeing day-to-day operation of the Company Compliance Program, verifying all company’s internal controls are implemented as well as the policies and procedures developed are followed. Compliance with anti-money laundering laws are achieved through knowledge of, and good faith commitment to, the legal and regulatory schemes applicable to the Company’s operation.

DINEX is registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN). The appointed Compliance Officer and several executives are certified by the Association of Certified Anti-Money Laundering Specialists (ACAMS).

TEXAS FINANCE CODE CHAPTER 151
http://www.statutes.legis.state.tx.us/Docs/FI/htm/FI.151.htm

BANK SECRECY ACT
https://www.fincen.gov/resources/statutes-regulations/fincens-mandate-congress

USA PATRIOT ACT
https://www.gpo.gov/fdsys/pkg/PLAW-107publ56/pdf/PLAW-107publ56.pdf

TEXAS FINANCE CODE CHAPTER 271
http://www.statutes.legis.state.tx.us/Docs/LG/htm/LG.271.htm

NOTICE

If you have a complaint, first contact the consumer assistance division of:

Kwik Dollar LLC – DINEX

At Toll Free 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

2601 North Lamar Boulevard – Suite 300

Austin, Texas 78705 - 4294

Telephone Number: 1-877-276-5554 (toll Free)

Fax Number: 512-475-1313

E-mail Address: msb@dob.texas.gov

Website Address: www.dob.texas.gov

NOTICE

If you have a complaint, first contact Our Customer Service Department at:

Kwik Dollar LLC DBA Dinex, Envios.com

At 281-657-8431 or 1-888-993-4639

If you still have an unresolved complaint regarding our activities in the following states, please direct your complaint to:

Texas Consumer

Texas Department of Banking-Non-Depository Supervision Division

2601 North Lamar Boulevard – Suite 300

Austin, Texas 78705 - 4294

Teléfono: 1-877-276-5554 (línea gratuita)

Fax: 512-475-1313

E-mail: msb@dob.texas.gov

Website: www.dob.texas.gov

California Consumer: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the Department of Financial Protection and Innovation (DFPI) at its toll-free telephone number, 1-866-275-2677, by e-mail at consumer.services@dfpi.ca.gov, or by mail at the Department of Financial Protection and Innovation, Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.

Colorado Consumer

Colorado Division of Banking

1560 Broadway, Ste. 975

Denver, Colorado 80202

Email: DORA_BankingWebsite@state.co.us

Website: banking.colorado.gov/industry/money-transmitters

Claim Notice – Colorado Consumer

Maryland Customers

Maryland Office of the Commissioner of Financial Regulation

Online: https://www.labor.maryland.gov/finance

Phone: 888-784-0136 (toll free) or 410-230-6077

By mail:
Office of the Commissioner of Financial Regulation
Attention: Complaint Unit
1100North Eutaw Street
Suite 611, Baltimore, MD 21202

Maryland Consumer Compliant Notice:
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Kwik Dollar LLC DBA Dinex, Envios.com, NMLS
ID 938353 at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21202 or (888) 784-0136 (toll free) or 410-230-6077.

Arkansas Customers

After first contacting Kwik Dollar LLC DBA Dinex, Envios.com, if you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to the Arkansas Securities Department at:

1 Commerce Way, Suite 402
Little Rock, Arkansas 72202
Telephone Number: (501) 324-9260
Toll Free: (800) 981-4429

Colorado Customer

Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.

If you have a Question about or Problem with YOUR TRANSACTION - THE MONEY YOU SENT

You must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information.

If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY

ALL complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:

Colorado Division of Banking
1560 Broadway, Suite 975
Denver, Colorado 80202

email: DORA_BankingWebsite@state.co.us sitio
website: banking.colorado.gov/industry/money-transmitters

Section 11-110-120, C.R.S. requires that money transmitters and money order companies post this notice in a conspicuous, well-lighted location visible to customers.

Washington Customers

Complaints concerning money transmission (including currency exchange) may be filed with the State of Washington Department of Financial Institutions by using any one of the methods below:

CSEnforceComplaints@dfi.wa.gov

Online: http://www.dfi.wa.gov

New York Customers