Términos y Condiciones

Last Updated: July 30, 2026

Kwik Dollar LLC dba Dinex (“Dinex”) operates the website Dinexenvios.com (“Website”) and the mobile application (“Mobile App”), collectively referred to as the “Application.” These Terms and Conditions constitute a legal agreement between you and Kwik Dollar LLC dba Dinex. The Application enables you to send money transfers from your computer or mobile device to beneficiaries virtually anywhere in the world (“money transfer”), subject to these Terms and Conditions.

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 ‘Dinex’, ‘we’, ‘us’, and ‘our’ refer to Kwik Dollar LLC dba Dinex, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms ‘you’ and ‘your’ refer to users of the Application, whether in their capacity as Senders, Beneficiaries, or visitors to our Website.

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 Dinex 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 Suite 400, Houston, TX 77057.

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

Definitions:

• Sender: The person who uses the online service to send money or mobile reloads.
• Beneficiary: The person for whom a Sender makes a bill payment or receives money or a mobile reload through the online service. For example, if you use the online service to pay a bill for a relative, your relative is the Beneficiary. The company receiving 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: The country in which the Beneficiary or Online Service Company receives money or a mobile reload through our service.
• Transaction: A specific instruction to send money or a mobile reload through the online service.
• Transaction Amount: The amount of money the Sender provides to Kwik Dollar LLC dba Dinex to be sent in the Transaction, excluding the Transfer Fee.
• Transfer Fee: The fee paid by the customer for the cost of the transfer.
• Other Fees: Additional fees the customer may be required to pay, such as bank or card fees, taxes, or charges levied by the Beneficiary’s country..
• Total to Beneficiary/ Payout Amount: 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).

1. 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.

2. 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 Dinex for mobile online services.

3. 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 Dinex only accepts payments in U.S. dollars (USD). If you send a transaction, where Kwik Dollar LLC dba Dinex receives less funds than required, chargeback fees, insufficient funds fees or similar charges may be imposed and you agree to reimburse Kwik Dollar LLC dba Dinex for all such charges.

b) Currency Exchange

When initiating a send Transaction, you agree to transfer the money in the set currency of the country where your Beneficiary is located. In addition to the Transfer Fee, a currency exchange rate may apply to the Transaction. Currency is converted at an exchange rate set by Dinex, which may include a margin over the wholesale rate. Kwik Dollar LLC dba Dinex may earn revenue from the difference between the retail exchange rate provided to you and the wholesale rate at which Dinex acquires currency for settlement, in addition to the Transfer Fees. You may find out the current currency exchange rate provided by Kwik Dollar LLC dba Dinex to its customers by calling toll‑free at 1‑888‑993‑4639.

Subject to applicable law, the actual or estimated currency exchange rate applicable to your Transaction will be provided to you in the written disclosures issued by Kwik Dollar LLC dba Dinex. Payouts will generally be made in the national currency of the payout location (“local currency”). Dinex is not responsible for any currency exchange rate that may be applied if the Beneficiary chooses to receive funds in a currency other than the currency of the country where he or she 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 warrant being the legitimate owner of the payment method used.

d) Other Charges:

Kwik Dollar LLC dba Dinex 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 Dinex 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 Dinex to create a transaction in your name. When creating money transfer transactions that involve currency exchange, you understand that it is impossible for Kwik Dollar LLC dba Dinex to guarantee a future exchange rate. By using the website, you acknowledge and accept the exchange rate disclosed to you at the time the transaction through the pre‑receipt disclosure.

f) Pre-Payment Disclosures and Receipt:

Prior to making a payment, Kwik Dollar LLC dba Dinex 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 Dinex will provide you with a receipt containing the following information:

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

4. 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 to the online service. We will make an effort to keep up to date the locations, availability and schedules of our online service providers. You agree, acknowledge and accept that Kwik Dollar LLC dba Dinex will not in any way be responsible for any incomplete or inaccurate 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 Dinex, 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 Dinex and third-party providers to contact the Beneficiary and save all 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 recoverable if it is sent to the wrong account.

5. 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 service provider has received the Transaction Amount. We may delay or cancel the Transaction for any reason, including but not limited to: lack of identity verification, payment method validation, fraud and anti-money laundering compliance review, contacting or locating you, your Beneficiary, the service provider. Working schedules, system availability or currency availability may also cause delays. 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 to Beneficiaries you know for non‑commercial purposes. If the online service is used for commercial purposes, we may, in our sole discretion, cancel your transactions and close your account.

II) Unauthorized Transactions.

The purpose of our online service is to allow customers to transfer money to family and friends. We may, in our sole discretion, cancel any transaction or close any account that we suspect has been used for 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 to use the online service for any of the following activities, including but not limited to: sexually oriented 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 who has previously violated this Agreement. If you use our online service for these purposes, Kwik Dollar LLC dba Dinex 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 Dinex.
• 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 certain service providers, including persons who appear on the Specially Designated Nationals list, Non‑Cooperative Countries and Territories list, or any other list issued by the U.S. 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 business

3) On behalf of any charity organization without our consent.

You may send transactions to service providers or Beneficiaries whom you personally know. At any time, and in our sole discretion, we may reject any transaction or 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 we have processed the transaction, except as may be permitted by law. It is your responsibility to review the transaction details provided to us for accuracy before the transaction is submitted for processing.

6. COLLECTION OF INFORMATION

Privacy Policy

By accepting this User Agreement, you acknowledge and accept the Privacy Policy of Kwik Dollar LLC dba Dinex, which constitutes an agreement between you and Kwik Dollar LLC dba Dinex

Divulgation of Information to the Government: Applicable law permits the release and disclosure of non‑public personal information about you, and transactions conducted by you, to government authorities and law‑enforcement agencies as explained in our Privacy Policy.

Client Identification Program: We are required to collaborate with the government to help fight 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 non‑public, 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 obtained when you visit our Website.

Information verification: You authorize us to verify any information we consider necessary through any sources we deem appropriate in order to validate the information you provide. This may include requesting additional information, requiring you to take steps to confirm your email address, mobile device, or payment instruments, or verifying your information against third‑party databases or other sources. This may also include verification of your Beneficiary’s information.

7. ERRORS AND PROBLEMS

I) Errors

you have the right to dispute errors in your transaction. If you believe a mistake has occurred, please contact us within 30 days from your transaction date by calling 1‑888‑993‑4639 or by mail at 5851 San Felipe St., Suite 400, Houston, TX 77057. You may also contact the Consumer Financial Protection Bureau (CFPB) at 855‑411‑2372 or consumerfinance.gov.

You must contact us within 180 days of the date we promised 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 known, his or her telephone number or address;
• The dollar amount of the transfer; and
• The transaction number.

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

II) Complaints

to submit any complaints related to services rendered by Kwik Dollar LLC dba Dinex, please contact us at 1‑888‑993‑4639 or by mail at 5851 San Felipe St., Suite 400, Houston, TX 77057.

You may also submit a complaint by locating your state through our Website by clicking the “File a Complaint” link at the bottom of the Dinex Website and filing a complaint with the designated state regulator overseeing Kwik Dollar LLC dba Dinex.

III) State‑Specific Disclosures:

Kwik Dollar LLC dba Dinex is licensed as a money transmitter in various U.S. jurisdictions. Consumers may contact the appropriate state regulator with complaints or questions regarding their transactions.

Texas Residents:

If you have a complaint, first contact Kwik Dollar LLC dba Dinex Customer Service at 1‑888‑993‑4639. If you still have an unresolved complaint, you may contact the Texas Department of Banking- Non-Depository at:

2601 North Lamar Blvd., Austin, TX 78705

1‑877‑276‑5554

www.dob.texas.gov

California Residents:

If you have complaints or concerns regarding your transaction, you may contact the California Department of Financial Protection and Innovation (DFPI) at:

651 Bannon Street, Suite 300

Sacramento, CA 95811

1‑866‑275‑2677

www.dfpi.ca.gov

New York Residents:

You may direct unresolved complaints to the New York State Department of Financial Services (NYDFS) at:

Consumer Assistance Unit

One State Street, New York, NY 10004

1‑800‑342‑3736

www.dfs.ny.gov

Other States:

A complete list of state regulatory agencies and license numbers held by Kwik Dollar LLC dba Dinex is available on our Website.

IV) (UDAAP) Policies

It is the policy of Kwik Dollar LLC dba Dinex 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 issued by the Consumer Financial Protection Bureau (CFPB) regarding managing risks relating to unfair, deceptive, and abusive acts or practices (UDAAP). We also follow general CFPB guidance on measures that money transmitters can take to avoid engaging in such acts or practices, including industry best practices.

Abusive Acts or Practices (Section 1031 of the Dodd‑Frank Act)

Section 1031 authorizes the CFPB 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 by the consumer of the material risks, costs, or conditions of the product or service;
• The inability of the consumer to protect their interests 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.

An act or practice is unfair when 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.

8. 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 already 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 three (3) days of your request. For any transfer scheduled at least three (3) business days in advance, you must cancel at least three (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 issued only 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 Dinex 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 to us via mail at: 5851 San Felipe St., Suite 400, Houston, TX 77057 In case 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 according to Section 2102 of the California Financial Code.”

9. KWIK DOLLAR LLC DBA Dinex's INTELLECTUAL PROPERTY

You acknowledge and agree that Kwik Dollar LLC dba Dinex is the sole owner of the online service, which includes our Website, text, graphics, links, buttons, logos, images, and all other Kwik Dollar LLC dba Dinex patents, copyrights, trademarks, trade secrets, service marks, logos, and product and service names (collectively, the “Kwik Dollar LLC dba Dinex Intellectual Property”). You agree not to display, use, copy, or modify the Kwik Dollar LLC dba Dinex Intellectual Property in any manner. You are permitted only to view and retain a copy of our Website pages for your own personal, non‑commercial use. Additionally, you agree not to:

• Use any automated devices, data‑mining tools, robots, or similar data‑gathering or extraction methods to access or use the online service.
• Modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the online service, in whole or in part, except for information you upload through legally permissible means.
• Remove or modify any author, trademark, or other proprietary notice or legend displayed on our Website or printed pages thereof.
• Infringe upon Kwik Dollar LLC dba Dinex or any third party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy

The software and technology underlying the online service are the property of Kwik Dollar LLC dba Dinex. Subject to the terms and conditions of this User Agreement, Kwik Dollar LLC dba Dinex grants you a non‑transferable, non‑sub licensable, and non‑exclusive license to use the object code of any software on your device(s) solely in connection with the online service. You agree not to copy (except as expressly permitted herein), modify, create derivative works of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, nor sell, assign, sublicense, or otherwise transfer any rights in the software.

Any rights not expressly granted herein are reserved by Kwik Dollar LLC dba Dinex.

10. DISCLAIMER OF WARRANTIES

TO THE EXTENT PERMITTED BY LAW, THE ONLINE SERVICE AND SOFTWARE ARE PROVIDED “AS IS” AND WITHOUT ANY WARRANTY OR CONDITION, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

Kwik Dollar LLC dba Dinex, its 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 processing due to factors beyond our control. This warranty gives you specific legal rights, and other rights may arise in connection therewith, which may vary from state to state. Notwithstanding the foregoing, you retain the right to a refund as provided herein.

11. LIMITATION OF LIABILITY

EXCLUDING CLAIMS SPECIFIED IN SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATED IN CALIFORNIA, UNDER NO CIRCUMSTANCES SHALL KWIK DOLLAR LLC DBA DINEX, ITS SUPPLIERS, VENDORS, 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)

This limitation includes, but is not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, even if Kwik Dollar LLC dba Dinex has been advised of the possibility of such damages, and even where such damages arise from negligence by Kwik Dollar LLC dba Dinex, its suppliers, vendors, service providers, online service companies, or their respective subsidiaries, officers, agents, partners, employees, or consultants.

12. DISPUTE RESOLUTION AND GOVERNING LAW

I) Governing Law

This User Agreement shall be governed by 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 to the online service or this User Agreement (“Claim”) shall be governed by and construed in accordance with the laws of Texas. Certain consumer rights and state‑specific protections may apply regardless of this governing law provision.

II) Disputes with Kwik Dollar LLC dba Dinex

any problem or dispute with Kwik Dollar LLC dba Dinex related to the online service may be reported to our Customer Service team. In the event of a dispute between you and Kwik Dollar LLC dba Dinex, our goal is to obtain all relevant information in order to resolve the matter. If our proposed resolution is not satisfactory, we will seek to provide you with a neutral and cost‑effective means of resolving the dispute in an efficient manner.

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 Dinex. The Federal Arbitration Act governs this agreement, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or class arbitrations are not permitted. If any part of this paragraph is deemed invalid, the remaining portions shall continue in full force and effect.

You may opt out of arbitration within 30 days after initiating a Transaction by writing to:

Kwik Dollar LLC dba Dinex

Attn: Customer Service

5851 San Felipe St., Suite 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 14(c) above, you agree that any claim against Kwik Dollar LLC dba Dinex must be resolved in the Supreme Court of the State of Texas, Harris County, unless both parties agree to a different forum for resolution of the claim.

V) Improperly Filed Litigation

all claims you bring against Kwik Dollar LLC dba Dinex must be resolved in accordance with Section 14. Any claim 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 Dinex may recover attorneys’ fees and costs (including in‑house attorneys and paralegals) up to $1,000.00 USD from you, if Kwik Dollar LLC dba Dinex has notified you in writing of the improperly filed claim and you have failed to promptly withdraw the action.

13. INDEMNITY

You agree to indemnify and hold harmless Kwik Dollar LLC dba Dinex, its suppliers, vendors, 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 this User Agreement, or your violation of any rights of a third party arising from this Agreement.

14. ELECTRONIC COMMUNICATIONS

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

1) This User Agreement, our Privacy Policy, and any modifications, amendments, or appendices to them.

2) Your transactions reported through the online service.

3) Any notice or disclosure related to the online service, including those required by Federal or State law.

4) Any communication related to the online service, including communications regarding claims, errors, or unauthorized use.

5) Any other communication related to Kwik Dollar LLC dba Dinex or the service.

You may withdraw your consent to receive electronic communications. Doing so will terminate your access to the online service. If you wish to withdraw your consent, please notify us in writing at:

Kwik Dollar LLC dba Dinex

Attn: Customer Service

5851 San Felipe St., Suite 400

Houston, TX 77057

To access and retain electronic communications directed to you under this Agreement, you will need:

1) An internet browser that supports JavaScript, 128‑bit encryption, and accepts first‑party cookies.

2) An email account capable of receiving and reading emails from Kwik Dollar LLC dba Dinex.

3) An internet connection and a device that supports the above requirements.

15. ADDITIONAL INFORMATION

I) Client updates:

You must inform us immediately of any change in your email address or telephone number by updating your profile on our Website. If Kwik Dollar LLC dba Dinex does not have your correct contact information, we may be unable to notify you of important information or changes in your transaction status.

II) Licenses:

We are required by most U.S. jurisdictions in which we operate to hold licenses to process money transfer transactions for consumers. A full listing of the state licenses held by Kwik Dollar LLC dba Dinex can be viewed here.

III) Entire Agreement:

This User Agreement constitutes the entire agreement between you and Kwik Dollar LLC dba Dinex and governs your use of the online service, superseding any prior agreements between you and Kwik Dollar LLC dba Dinex.

IV) No Waiver:

If Kwik Dollar LLC dba Dinex does not enforce or exercise a right or provision of this User Agreement, such action shall not constitute a waiver of that right or provision, nor shall it guarantee that Kwik Dollar LLC dba Dinex will repeat any such action in the future. If any provision of this User Agreement is found by an arbitrator or a court of competent jurisdiction to be invalid, the parties agree that the arbitrator or court should endeavor to give effect to the intent of the provision, and the remaining provisions of the User Agreement shall remain in full force and effect.

V) Modifications:

Except as required by law, we may modify this User Agreement without prior notice to you. You may review the latest version of the User Agreement on our Website. If you do not agree with any modification, you may terminate your use of the online service at any time by providing written notice of termination to Kwik Dollar LLC dba Dinex. If you continue to use the online service after the effective date of any modification or amendment, you will be deemed to have accepted that modification or amendment. You are prohibited from modifying the terms of this User Agreement, and you acknowledge that any attempt to do so shall be void.

VI) Language:

In the event of any inconsistency between versions of our Website or this User Agreement in English, Spanish, or any other language, the English version shall control and bind the parties.

VII) Assignment:

Subject to applicable law, Kwik Dollar LLC dba Dinex may assign this User Agreement to a third party without your consent.

VIII) Special note for international use:

Software available in connection with the service, and the transmission of applicable data, may be subject to United States export controls. No software may be downloaded from Kwik Dollar LLC dba Dinex, 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 those concerning online conduct and acceptable content.

16. SECURITY

The security and integrity of your account are our highest priority. We work diligently to ensure that your information remains safe and secure. We strongly recommend that you do not send money, make mobile top‑ups, or pay any fee to individuals you do not know personally and trust. You must be especially cautious with offers that appear too good to be true.

If you believe you have been, or may be, the victim of any type of fraud, please contact us immediately at 1‑888‑993‑4639. If you observe someone using the online service in an inappropriate or impermissible manner, please notify us by mail at 5851 San Felipe St., Suite 400, Houston, TX 77057.

If you receive any fictitious or suspicious emails purporting to be from Kwik Dollar LLC dba Dinex, please contact us directly.

17. CONTACT INFORMATION

Questions, notifications, and requests for refunds or further information may be sent to Kwik Dollar LLC dba Dinex as follows:

By mail:

Kwik Dollar LLC dba Dinex

Attn: Customer Service

5851 San Felipe St., Suite 400

Houston, TX 77057