TERMS AND CONDITIONS

The language in this User Agreement and Terms and Conditions are effective as ofthe date at the end of this document, and is a contract between you and InterCambio Express, Inc. once you have accepted them at the opening of an account at our site (“InterCambio Express,” “we,” or “us”), and you (“you” or “your”), the participant in the InterCambio ExpressReferral Program (the “Referral Program”). Participation in the Referral Program is subject to the terms of this Agreement.

1. ACCEPTANCE OF TERMS AND CONDITIONS

If you do not agree to the terms and conditions contained within this Agreement in their entirety, you are not authorized to register as a Referrer or to participate in the Referral Program in any manner. You agree that we may send you and any individual you refer communications regarding the Referral Program, consistent with our Privacy Policy. We reserve the right to make changes to the terms and conditions of this Agreement or the Referral Program at any time.

2. PARTICIPATION IN THE REFERRAL PROGRAM

As a participant in the Referral Program, you agree to use the InterCambio Expressservice to promote the Referral Program in the manner specified by these terms, thereby acting as the Referrer (“Referrer”). Referrers are required to register with the InterCambio Expressservice. Additional information may be required of the referrer toestablish the Referrer’s identity. You agree that the provision of such information is a requirement of participation in the Referral Program and obtaining any Rewards available.

3. PAYMENT AND QUALIFICATION FOR VALID REFERRALS

The Referrer (“Referee”) shall receive a reward (“Reward”) for each Referee to InterCambio Expresswho meets all the following conditions (“Valid Referral”):

• Referee and Referer must reside in different addresses;
• Referee registers with the InterCambio Express service;
• Referee accesses the InterCambio Expressservice directly from Referrer’s referral method and completes the initial registration and initial money transfer with InterCambio Expressthrough that link.
• Referee successfully uses the InterCambio Expressservice to transfer money to a person other than the Referrer in a manner that is compliant with our user agreement; and
• Referee’s money transfer transaction is not canceled

4.

The Reward may change from time to time atInterCambio Express’s discretion; however, Valid Referrals completed before the change of the Reward will be honored. Subsequent registrations and or money transfers with InterCambio Expressby the Referee do not qualify as Valid Referrals. Money transfersinitiated by the Referee after his or her first successful money transfer with InterCambio Express, or to a Referee who is a previous user ofInterCambio Express’sservice, do not qualify as Valid Referrals. InterCambio Expressreserves the right to void any referral or payment of any Rewards that: (i) appears to be fraudulent; (ii) appears to have been created as a result of a fraudulent transaction; or (iii) that violates the terms of our User Agreement.

5. LIMITATIONS OF LIABILITY

IN NO EVENT SHALL INTERCAMBIO EXPRESSBE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR PARTICIPATION IN THE REFERRAL PROGRAM, INCLUDING BUT NOT LIMITED TO SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. INTERCAMBIO EXPRESS’S MAXIMUM AGGREGATE LIABILITY TO REFERRER AND ANY THIRD PARTY UNDER ANY AND ALL CIRCUMSTANCES SHALL BE THE THEN–CURRENT DOLLAR VALUE OF ONE (1) REWARD. REFERRER RECOGNIZES AND ACKNOWLEDGES THAT THIS LIMITATION OF DAMAGES IS FAIR AND REASONABLE. ALL WARRANTIES, EXPRESS AND IMPLIED, REGARDING THE REFERRAL PROGRAM AND USE OF THE INTERCAMBIO EXPRESSSITE ARE DISCLAIMED(INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON–INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE).INTERCAMBIO EXPRESSMAKES NO REPRESENTATION OR WARRANTY WITH RESPECT TO ANY RESULTS OBTAINABLE THROUGH THE REFERRAL PROGRAM OR THE DELIVERY TIMEOF THE REWARDS.

6. BULK DISTRIBUTION

If a Referring Customer provides a unique referral link to another person by email, the email mustbe created and distributed in a personal manner that is appropriate and customary for communications with friends, family members, or persons with whom Referring Customer has a prior relationship. Bulk email distribution, distribution to strangers, or anyother promotion of a unique referral link in a manner that would constitute or appear to constitute unsolicited commercial email or “spam” under the CAN–SPAM Act, CASL, or other applicable law or regulation or other distribution of a unique referral link through channels other than personal email, social media services (Facebook, etc.) is expressly prohibited and will be grounds for immediate termination of the Referring Customer’s account and deactivation of the unique referral link.

7. OTHER TERMS AND CONDITIONS

We reserve the right to amend or terminate the Referral Program at any time without notice. Resolution of all questions or disputes regarding eligibility for the Referral Program, earnings of rewards, or your compliance with the terms and conditions of this Agreement shall be subject to our reasonable interpretation. We expressly reserve the right to close the account(s) or void the Rewards of any Referring Customer and Referee if either party attempts to use the Referral Program in a questionable manner or referral link in breach of these Terms and Conditions, the User Agreement, or in violation of any law, statute or governmental regulation. Users may not participate in the Referral Program where doing so would be prohibited by any applicable law, statute or regulations.All information collected in the Referral Program shall be subject to our Privacy Policy.

In the event, there is any inconsistency between the English version of this Agreement and the translated text, the English text shall be binding.

Updated and Effective on October 5th, 2017