Felix Technologies Inc. Terms of Use

Last updated: September 24, 2026

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These terms of use (the "Terms") are between you and Felix Technologies Inc. NMLS #2302775 ("FTI") and Felix Credit Inc. NMLS #2804750 ("FCI") (together with each of their current and future affiliates, collectively known as "Félix," the "Company," "we," "us," or "our," as applicable), concerning your use of (including any access to) the Services, as defined below and including the Website and other Félix Materials.

By registering with Félix, or by using the Services, you agree to be bound by these Terms, and you affirm that you are at least eighteen (18) years of age and contractually capable of entering into these Terms. You also agree to comply with our Privacy Policy available at: Felixpago.com/legal/politicas-de-privacidad, which is incorporated into these Terms. Electronic delivery of Communications is governed by our ESIGN Consent, which we will ask you to accept through a separate action before you apply for or use a Félix Product, set out in Section 21.

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IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTIONS) TO RESOLVE ANY DISPUTE BETWEEN YOU AND FÉLIX THROUGH BINDING ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 36 "GOVERNING LAW AND AGREEMENT TO ARBITRATE" BELOW FOR DETAILS REGARDING ARBITRATION.

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Please read carefully all of the terms of these policies and each of the other agreements that apply to you. Your use of certain Services may be subject to additional terms and conditions, as communicated by us to you through the Service or by other means, and such additional terms and conditions are incorporated into these Terms.

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These Terms contain several sections, and you should read all of them carefully. The headings are for reference only. Some capitalized terms have specific definitions that are set out in Section 1 (Definitions) or within these Terms.

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If we change these Terms in a way that reduces your rights or increases your responsibilities, we will provide you with at least thirty (30) days prior notice by sending a notice to you via WhatsApp or email and by posting a notice on our Website at: Felixpago.com. Your use of the Services following any changes to these Terms will constitute your acceptance of such changes. The "Last Updated" legend above indicates when these Terms were last changed. We may, at any time and without liability, modify or discontinue all or part of the Services (including access via any third-party links); charge, modify or waive certain fees related to the Services; or offer the Services, or certain of the Services, to some or all users.

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Summary Table of Contents

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Definitions
About Félix; Scope of These Terms

PART I — USING THE SERVICES

Onboarding
User Security
Authorizing Third Parties
Verification
Terminating the Services

PART II — REMITTANCE SERVICES

Uploading Money
Currency Conversion and Exchange Rates
Funds Availability
Foreign Exchange and Transfer Timing Disclosures
Cancellation of a Transfer
Fees
Receipts, Transaction Statements and Written Records
Error Resolution
Protection from Unauthorized Transactions
Reversals and Chargebacks
Complaints

PART III — LENDING

Electronic Fund Transfers for Loan Repayments

PART IV — COMMUNICATIONS AND ELECTRONIC RECORDS

Communications Between You and Us
Electronic Communications Consent Disclosure (ESIGN Act)
Telephone Calls, Communications, Emails, Text Messages and Voicemail
Messaging Program Terms

PART V — RESTRICTED ACTIVITIES AND FRAUD PREVENTION

Restricted Activities
Fraud Prevention

PART VI — GENERAL LEGAL TERMS

Information Security
Third Party Materials
Anti-Money Laundering, Sanctions Screening, and Regulatory Compliance
Limitation on Félix's Liability, Indemnity and Release
Service Availability
Disclaimer of Warranty
Insolvency Proceedings
Intellectual Property
Translation of These Terms
Privacy
Governing Law and Agreement to Arbitrate
Félix Is a Payment Service Provider
Unlawful Internet Gambling Notice
Export Controls
Other Information About These Terms

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Definitions

"We," "us," "our," and "Félix" means Felix Technologies Inc. and Felix Credit Inc. (together, the "Company"), and each of their current and future affiliates. Where these Terms describe a specific Service, references to "Félix," "we," "us," or "our" mean the Félix entity responsible for that Service, as described in Section 2.

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"You" and "your" means the person agreeing to these Terms, and each additional account owner, co-borrower, guarantor, authorized user, or representative named on any Félix Product that you apply for, use, or access.

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"Business Day" means a day other than a Saturday, Sunday or a public holiday in the United States when financial institutions are open for business.

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"Communications" means each disclosure, legal notice, agreement, statement, record, receipt, document, and other information we provide to you, or that you sign, submit, or agree to at our request, including, without limitation, these Terms and amendments to them, loan agreements and related credit disclosures, remittance and money-transfer receipts and confirmations, account statements, error resolution communications, privacy notices, tax documents, and regulatory notices.

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"Félix Materials" means any software (including without limitation developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed and provided by us or our affiliates to you, or available for download from our Website.

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"Félix Product" means each account, product, or service we offer, including remittance/money-transfer services and loan products, that you apply for, own, use, administer, or access through the internet, a website, a mobile application, WhatsApp or other messaging services (including text messaging), email, software applications, or other electronic means, either now or in the future.

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"Loan" means a consumer lending product provided by Felix Credit Inc., and "Loan Agreement" means the separate loan agreement between you and Felix Credit Inc. that applies to a particular Loan.

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"Local Currency" means the applicable local currency in the non-US countries where Félix permits Transfers to be transmitted.

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"Services" means all products, services, content, features, technologies or functions offered by us, and all related websites, applications, and services (including the Website), through which you apply for, use, or access Félix Products. Except where these Terms expressly address lending, references to the "Services" mean the remittance services provided by Felix Technologies Inc.

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"Transfer" means a payment you submit in US dollars that is converted into Local Currency and delivered to a recipient located abroad as part of a single transaction.

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"Unauthorized Transaction" means when a Transfer is made from your WhatsApp account using Félix that you did not authorize and that did not benefit you.

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"Website" means any webpage, including but not limited to: Felixpago.com, where we provide Services to you, as well as our WhatsApp platform.

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The words "include" and "including" introduce examples; no list in these Terms is exhaustive.

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About Félix; Scope of These Terms
1. Two Félix entities. These Terms are entered into with two Félix entities, each responsible for different Services. Felix Technologies Inc., a licensed money transmitter and registered money services business, provides the remittance Services and acts as the remittance transfer provider under the Electronic Fund Transfer Act and Regulation E, Subpart B (the Remittance Transfer Rule). Felix Credit Inc. provides consumer lending products.
2. About Felix Technologies Inc. FTI is a corporation incorporated in Delaware with headquarters in Miami, FL. FTI is registered as a money services business with FinCEN (Registration #31000292246111). In addition, FTI is a licensed money transmitter in most states of the United States of America. For information regarding Félix's money transmission licenses please visit Felixpago.com/en/licencias. In the states where FTI is not a licensed money transmitter, services are offered in conjunction with our partner financial institutions and are subject to their separate terms, conditions and restrictions. By using or continuing to use the Services, you agree to be bound by such terms, conditions, and restrictions, as modified from time to time.
3. About Felix Credit Inc. FCI provides consumer lending products. Each Loan is governed by the Loan Agreement between you and FCI that applies to that Loan. Electronic fund transfers used to repay a Loan are governed by the Electronic Fund Transfer Act and Regulation E, Subpart A, as described in Part III (Lending) of these Terms.
4. Relationship between these Terms and your Loan Agreement. These Terms supplement the applicable Loan Agreement. If a provision of these Terms conflicts with a Loan Agreement as to a Loan, the Loan Agreement controls for that Loan. The consumer remittance rights described in these Terms (including cancellation and error resolution) apply to remittance transfers and not to Loans.
5. The remittance Services. The Services enable you to submit a payment in US dollars, which is converted into Local Currency and delivered to recipients located abroad as part of a single Transfer. Félix only facilitates transfers to certain countries. We retain full discretion to refuse to accept any user or to complete any instruction to transfer, receive, send, withdraw or convert money at any time.

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PART I — USING THE SERVICES

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Onboarding

All Services are initiated through your WhatsApp account. You cannot use Félix if you do not have a WhatsApp account. In order to use some or all of the Services, you must first initiate a WhatsApp conversation with Félix’s account and complete the sign-up process by submitting certain information. For legal reasons, all information you provide during the onboarding process or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your contact information up-to-date. We may refuse to provide or may discontinue providing the Services to any person or entity at any time for any reason.

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We treat all activities under a user's WhatsApp account to be those of the user. You must only use the Services to transact on your own account and not on behalf of any other person or entity. You may only sign up for Félix once unless we explicitly approve the use of multiple WhatsApp accounts. Where duplicate WhatsApp accounts are detected for a single user, Félix may close or merge these duplicate accounts without notification to you.

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To use the Services, you must also: not be in breach of any Terms; not have a blocked or suspended Félix account or have had an account previously closed by Félix due to breach of these Terms; and not have a duplicate active account.

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User Security

You, not Félix, are responsible for maintaining adequate security and control of any and all IDs, passwords, or any other details that you use to access your WhatsApp account and the Services. You must never disclose your WhatsApp account password. Keep them safe. Change your password regularly. We will never ask you to provide your password to us or to a third party. Tell us if anyone asks for your password, and contact: ayuda@felixpago.com if you are not sure about this, or any other security-related aspect of your use of Félix. You must never let anyone access your WhatsApp account or watch you accessing your WhatsApp account.

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If you suspect your WhatsApp account, login details, password or any other security features are stolen, lost, used without authorization or otherwise compromised, you are advised to change your password. Email us at ayuda@felixpago.com immediately if you believe your credentials have been compromised or you are suspicious about the security of your password or any other security features. The compromise of your credentials could enable thieves to access Félix and attempt Unauthorized Transactions. Messaging us on WhatsApp is the fastest way to minimize your risk of loss. In addition, contact us at once if your transaction history with Félix shows Unauthorized Transactions. We rely on you to regularly request your transaction history from Félix and to contact us immediately in case you have any questions or concerns.

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We may (but are not obligated to) suspend your use of Félix or otherwise restrict your functionality if we have concerns about the security of your WhatsApp account or any of its security features; or potential unauthorized or fraudulent use of Félix or any of its security features.

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You must make sure that your WhatsApp account, your phone and your e-mail account(s) are secure and only accessible by you, as your WhatsApp account, phone number and/or e-mail address may be used to communicate with you about the security of your use of Félix. Never use any functionality that allows login details or passwords to be stored by the phone, computer or browser you are using or to be cached or otherwise recorded. Additional Félix products or Services you use may have additional security requirements, as notified to you by us, and you must familiarize yourself with those requirements.

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You must notify Félix immediately of any unauthorized use of your account or any other breach of security. Félix is not liable for any loss or damage arising from your failure to secure your account credentials.

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Authorizing Third Parties

You may authorize third parties to initiate Transfers on your behalf using Félix. You acknowledge that if you authorize a third party to initiate Transfers on your behalf, we may disclose certain information about your use of Félix to this third party. We are not responsible for any such third party's use of Félix or any information about your use of Félix. Granting permission to a third party does not relieve you of your responsibilities under these Terms, including notifying us if your WhatsApp account has been compromised or if a Transaction is incorrect or unauthorized.

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Verification

If you use certain Services, federal law requires that we verify some of your information. You authorize Félix to make any inquiries we consider necessary to validate your identity. These may be made directly or through third parties, including checking commercial databases or credit reports. We may need to ask you for further information, requiring you to provide your date of birth, a taxpayer identification number, address and other information that will allow us to reasonably identify you. This could include requiring you to take steps to confirm ownership of your WhatsApp account, phone number, email address or financial instruments, ordering a credit report from a credit reporting agency, or verifying your information against third party, including governmental, databases or through other sources. We may also ask to see your driver's license, passport or other identifying documents at any time. Félix reserves the right to close, suspend, or limit access to the Services in the event we are unable to obtain or verify this information.

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Terminating the Services
1. You can terminate. You may terminate these Terms at any time by contacting us on WhatsApp at (669) 333-3549, or by email at ayuda@felixpago.com. You must not terminate these Terms to avoid an investigation. If you attempt to terminate these Terms during an investigation, we will be unable to do so until the investigation is fully completed. You agree that you will continue to be responsible for all obligations related to Félix even after you terminate these Terms.
2. Félix can terminate or suspend your access to the Services. Félix, in its sole discretion, reserves the right to suspend or terminate these Terms, access to or use of its Website, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or some or all of the Services for any reason and at any time upon notice to you. Reasons we may suspend or terminate your ability to use the Services include, but are not limited to:

Your breach of any provision of these Terms or documents referred to in these Terms;
We are requested or directed to do so by any competent court of law, government authority or agency, or law enforcement agency;
We have reason to believe you are in violation or breach of any applicable law or regulation;
We have reason to believe you are involved in any fraudulent activity, money laundering, terrorism financing or other criminal or illegal activity;
We believe you are using your account for Restricted Activities (as described in Section 24);
You act in a threatening or abusive manner towards Félix staff or representatives;
We have concerns about the security of your account, or we suspect unauthorized or fraudulent use of your account; or
We suspect that your funding source is not issued in your name or belongs to a third party.

We may also suspend your use of the Services if your WhatsApp account has been compromised or has been used or is being used without your authorization or fraudulently or for other security reasons.

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Inactive accounts. Your Félix account does not expire and remains valid until canceled by either you or Félix. Félix may automatically cancel your account if it remains inactive for 18 consecutive months.
Consequences of termination. If we terminate your use of the Services for any reason, we will provide you with notice of our actions on WhatsApp. You are responsible for all reversals, chargebacks, fees, fines, penalties and other liability incurred by Félix, any other Félix customer, or a third party, caused by or arising out of your breach of these Terms, and/or your use or the use of your authorized third parties of the Services. You agree to reimburse Félix, any Félix customer, or a third party for any and all such liability.

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PART II — REMITTANCE SERVICES

Uploading Money
1. Payment methods. You may upload money using one of the supported payment methods offered through the Service. These methods may include bank transfers (ACH), debit, credit and prepaid cards, or cash funding (see following Sections). When you initiate a payment, you authorize us to charge your selected funding source for the full amount of the Transfer, including any applicable fees. We may decline or delay the transaction if the funding is not confirmed or if risk screening identifies concerns.

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When you fund your Transfer using a third-party cash network such as Green Dot, Félix is not responsible for delays or failures occurring prior to receipt of funds into Félix's designated account. The third party is responsible for collection and transmission of your cash until it is deposited and confirmed.

Uploading Money by Debit, Credit or Prepaid Card. If you choose to upload money via debit, credit or prepaid card, provided we offer such an option, you will need to provide your card details, including your card number and cardholder name. There are no minimum or maximum upload amounts required to be able to use your debit card. When you choose to upload money via debit, credit or prepaid card, you confirm that your card details are correct, that you are authorized to access and transmit funds from your card account, that your card account is in good standing with the account-holding financial institution, and that you have the authority to initiate a debit, credit or prepaid card payment in the amount at issue to or from your card account. You may authorize us to initiate debits to your bank account through card payment networks in order to process a requested Transfer, including any applicable fees and charges, and this authorization shall remain in effect until canceled in accordance with these Terms.

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PLEASE NOTE THAT WHEN YOU INITIATE A PAYMENT WITH A CREDIT CARD, IT MAY BE CONSIDERED A CASH ADVANCE BY THE ISSUING FINANCIAL INSTITUTION. CASH ADVANCES CARRY CONSIDERABLY HIGHER RATES OF INTEREST THAN REGULAR PAYMENTS.

Uploading Cash via Green Dot® Network. You may choose to fund your Transfer by depositing cash at a participating merchant in the Green Dot® Financial Network. The Green Dot® Network is owned and operated by Green Dot Corporation, an independent third party that is not affiliated with Félix. Félix does not control, and is not responsible for, Green Dot's network, participating merchant locations, or services. When using this method:

Your cash will be received by Green Dot and transferred to an account designated by Félix at its banking partner.
Green Dot can take up to 15 minutes to process the cash deposit and send it to Félix.
Green Dot is responsible for the collection and transmission of your cash until it is deposited into Félix's designated account and confirmed. Once your cash has been accepted and deposited, Green Dot's responsibility ends, and Félix assumes responsibility for completing your Transfer.
You will receive a receipt at the time of your cash deposit. This receipt serves as proof of payment and includes key transaction information.
Cash uploads may be subject to minimums, maximums, and merchant-specific fees. These fees will be disclosed to you prior to confirmation.
This service may be subject to additional AML screening, verification, and timing delays. Please retain your receipt until your Transfer is confirmed.

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Currency Conversion and Exchange Rates
1. Currency Conversion. Our Services include the ability to convert currencies as part of a Transfer. A conversion fee (the "Conversion Fee") as set out in our Fee Schedule (Felixpago.com/ayuda/cuanto-cobran-de-comision) will usually apply when we perform a currency conversion. Additional fees may also apply. We may from time to time offer specials or promotions (each a "Promotion") when the Conversion Fee will be reduced or waived. Your ability to participate in any Promotions is at Félix's sole discretion. Promotions may be subject to additional terms and conditions. A currency conversion order may either be:

a Fixed Dollar Order, which is a currency conversion order where you indicate that you wish to convert a fixed amount of US dollars in order for you or your recipient to receive the converted amount in Local Currency; or
a Fixed Local Currency Order, which is a currency conversion order where you indicate that you wish to convert a variable amount of US dollars in order for you or your recipient to receive a fixed amount of Local Currency.

Exchange rates used to convert currency. When we refer to an exchange rate in these Terms, we refer to the rate at which one currency is converted into another. This is the amount of destination currency a customer's beneficiary will receive in exchange for the amount of USD sent by the customer.

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When you send money in one currency and the recipient is paid in another, the funds will be converted at our current exchange rate, which may differ from the rate at which we purchase foreign currency. We and our service providers may earn revenue from this difference in addition to any transfer fees.

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Exchange rates vary by destination country and other factors and are subject to change. The applicable exchange rate for your transaction will be disclosed to you before you authorize the transfer. In most cases, the conversion takes place at the time you send the money, and the recipient will receive the foreign currency amount stated on the transaction receipt.

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Our exchange rates are based on commercially available interbank rates plus a margin, and may differ from the rates publicly quoted for transactions between banks or other financial institutions. Exchange rates are typically adjusted multiple times per day in line with global market conditions.

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In addition, you acknowledge and agree that:

Exchange rates are generally locked in at the time of execution unless otherwise stated. If your Transfer is delayed or not completed for any reason (such as fraud review, technical issue, or incorrect recipient details), the rate may change or the transaction may be canceled.
Félix does not guarantee that any rate displayed before confirmation of your Transfer will be the final rate applied, particularly if the payment is not successfully funded or is delayed.
Félix is not responsible for any financial losses caused by currency fluctuation, timing delays, or reliance on a quoted exchange rate prior to execution.

Estimated delivery times provided alongside your Transfer are for informational purposes only and may be affected by recipient country banking hours, compliance checks, or payment partner processing.

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Before completing your Transfer, we will always disclose the total amount you will pay, the amount your recipient will receive, and the applicable exchange rate. By confirming the transaction, you consent to the rate and fees presented at that time.

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Delivery times and rate applicability may be affected by multiple factors beyond our control, including recipient country banking hours, regulatory checks, holidays, incorrect recipient details, or delays from our payment partners. We do not guarantee delivery within a specific time frame.

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Funds Availability

Félix provides instant availability of funds to recipients in most cases, even before final settlement has occurred from your linked bank account or payment method. When you authorize a Transfer and Félix accepts the instruction, we typically make the funds available to the recipient immediately, subject to fraud screening, verification checks, or other circumstances.

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This model is based on Félix front-loading the disbursement to your intended recipient. As a result, Félix bears settlement risk on your behalf until your payment clears. However, your obligation to pay remains until the transaction is fully settled.

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Although Félix generally fulfills Transfers in advance of settlement, final completion of a Transfer is contingent on the successful receipt of funds from your bank or payment card issuer. If settlement ultimately fails, Félix may cancel the Transfer, reverse the disbursement, or seek reimbursement from you.

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Foreign Exchange and Transfer Timing Disclosures
1. Currency Conversion Risks. When you initiate a Transfer that involves a conversion from U.S. dollars to a Local Currency, you acknowledge and agree to the following:

The exchange rate offered by Félix at the time of your transaction may include a margin above the mid-market rate and may differ from rates offered by banks or other currency providers.
Félix obtains exchange rate data from third-party reference sources and may update rates frequently throughout the day without prior notice.
Exchange rates are locked in at the time your Transfer is executed (when you click "Yes, Correct"), not at the time of order initiation, unless otherwise stated in your transaction confirmation.
If your Transfer is delayed or not completed for any reason (e.g., insufficient funds, compliance review), the exchange rate may change, and the transaction may be recalculated or canceled.

Félix does not guarantee that the rate displayed before your Transfer will be available at the time the Transfer is processed.

Rate Disclosure and Fees. You will be shown the applicable exchange rate and any associated fees before completing your Transfer. The total cost, including fees and the amount received by the recipient, will be disclosed before you authorize the transaction. By proceeding with the Transfer, you consent to the displayed terms.

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Félix may offer promotions from time to time that reduce or waive exchange rate margins or fees. Participation in promotions is at Félix's sole discretion and may be subject to additional terms.

Transfer Timing. Félix aims to deliver funds to the recipient promptly after your Transfer is successfully funded and approved. However, timing may vary based on several factors including:

The method of payment (e.g., ACH, debit card, cash),
The time of day the Transfer is initiated,
Additional verification or compliance screening,
Recipient country banking processing times, hours, and holidays, and
Technical issues or delays with third-party service providers.

Estimated delivery times are provided for informational purposes only and are not guaranteed. Félix is not responsible for delays caused by external banks, compliance holds, or recipient-side issues.

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Cancellation of a Transfer
1. Personal, family or household Transfers. You have the right to cancel a Transfer for personal, family or household purposes and obtain a full refund, at no additional cost to you, of the total amount of funds you provided in connection with that Transfer, including any fees and, to the extent not prohibited by law, taxes imposed in connection with the Transfer, within thirty (30) minutes of payment for the currency conversion order, provided that the funds have not yet been picked up by the designated recipient or deposited into an account of the designated recipient. This right is provided under the Remittance Transfer Rule.

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Transfers should be canceled using WhatsApp. If you cannot cancel from WhatsApp, you can contact us by email at ayuda@felixpago.com. If you contact us to cancel, you must provide us with information to help us identify the Transfer that you wish to cancel, including (i) your name, address and telephone number; (ii) the name of the person receiving the funds; (iii) the US dollar amount of the Transfer; (iv) the Transaction Reference Number and (v) the intended destination location.

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We will issue your refund within three (3) Business Days of receiving your cancellation request, provided that the funds had not been picked up by the designated recipient or deposited into an account of the designated recipient before we received your request. Once funds have been picked up by or deposited into an account of the designated recipient, the cancellation right described in this Section no longer applies. This does not limit your error resolution rights described in Section 15 or any other right you have under applicable law.

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Please note that, although we will initiate the refund within such timeframe, the time it takes for the refunded amount to be reflected in your bank account may vary depending on your financial institution's processing times.

Business or commercial Transfers. You have the right to cancel a Transfer for business or commercial purposes and obtain a full refund, at no additional cost to you, of the total amount of funds you provided in connection with that Transfer, including any fees and, to the extent not prohibited by law, taxes imposed in connection with the Transfer, up until the Transfer has been completed in accordance with your instructions.

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Customers in California and Washington. You have the right to cancel a Transfer order for personal or business purposes and obtain a full refund, at no additional cost to you, of the total amount of funds you provided in connection with that order, including any fees and, to the extent not prohibited by law, taxes imposed in connection with the order, up until the Transfer has been completed in accordance with your instructions.

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Fees

The Fee for a Transfer including currency conversion is set out in our Fee Schedule at Felixpago.com/ayuda/cuanto-cobran-de-comision. The Conversion Fee forms part of these Terms and is subject to change, including in connection with a Promotion.

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You agree to pay the Conversion Fee using one of the payment methods set out in Section 8 or as otherwise agreed between you and us. The Conversion Fee will be charged at the time the Transfer is completed. The Conversion Fee does not include any fees that your bank or the recipient's bank may charge. Those fees may be deducted from money you upload to Transfer.

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You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.

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Receipts, Transaction Statements and Written Records
1. Receipts. For each Transfer, you will receive a receipt containing the information required by the Remittance Transfer Rule, including the exchange rate, the fees charged, the amount to be received by your recipient, the date of availability of the funds, and a statement of your error resolution and cancellation rights. We deliver receipts electronically as described in Part IV of these Terms. You should retain your receipts for your records.
2. Requesting records in writing. You may access information about all of your Transfers, including related Conversion Fees, Promotions and exchange rates, through WhatsApp. You may also request that we provide records relating to a Transfer in writing by contacting us via WhatsApp or by email at ayuda@felixpago.com. We have allocated a Transaction Reference Number to each Transfer; you should quote this Transaction Reference Number when communicating with us about a particular Transfer.

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Error Resolution
1. Errors in the Case of Transfers. With regard to Transfers sent for personal, family or household purposes, where the payment amount exceeds $15 USD, the following are considered Errors:

You paid an incorrect amount for your currency conversion order;
Félix made a computational error, such as a miscalculation of the amount the recipient received;
The amount stated in the currency conversion order receipt was not made available to the recipient, unless the problem was caused by extraordinary circumstances outside our control;
Funds were available to the recipient later than the date of availability that was disclosed to you on the currency conversion order receipt or were not delivered, unless extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances, or delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Control or similar requirements, or the Transfer was made with fraudulent intent; and
You did not receive any confirmation of your Transfer, such as information required to determine if a Transfer occurred.

Reporting an Error. You must make sure that the information you provide to us when you make a Transfer is accurate. Once a Transfer is processed, it cannot be reversed (except where, and to the extent, required by applicable law) and, except as expressly set forth in these Terms, we will not be liable in any way for any loss you suffer as a result of a Transfer being carried out in accordance with your instructions (or those of a third party acting on your behalf).

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If you believe there to be an error in connection with a Transfer or other problem, then you should contact us on WhatsApp at (669) 333-3549 as soon as possible, but no later than 180 days after the date of availability we disclosed to you for the Transfer.

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When you do, please tell us as much of the following information as possible: (1) your name and address; (2) the error or problem with the Transfer, and why you believe it is an error or problem; (3) the name of the recipient, and if you know it, telephone number or address; (4) the dollar amount of the Transfer; and (5) the Transfer Reference Number.

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If you believe an Error of the type described above occurred, you must duly contact us in accordance with the information above, and we will investigate and determine whether an error occurred within 90 days after you contact us.

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We will inform you of our determination within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation. If we determine that an error has occurred, we will offer you the option of obtaining a refund or making available to the designated recipient the funds necessary to resolve the error. Please note that we are only required to refund fees where we failed to make funds available to the recipient by the date of availability we specified, unless you provided incorrect or insufficient information to us, in which case we are not required to refund fees. Where we confirm that an error occurred, we will provide the remedy you designate, either a refund or a resend of the funds at no additional cost, within one (1) business day of, or as soon as reasonably practicable after, receiving your designation.

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We reserve the right to correct typographic errors you may make in your communications via WhatsApp, email or letter, such as misspelled addresses and city names, when such errors might cause downstream operational issues, such as database screening failures, or transaction misroutings.

What is not considered an Error. The following are not considered Errors:

If you give someone access to your WhatsApp account (by giving them your login information) and they use Félix without your knowledge or permission. You are responsible for Transfers made in this situation;
Invalidation and reversal of a Transfer;
Requests for duplicate documentation or other information for recordkeeping purposes;
An inquiry about the status of a currency conversion order (except where the funds from the order were not made available to the recipient by the disclosed date of availability);
A change requested by the recipient of funds sent from you;
A change in the amount or type of currency received by a designated recipient from the amount or type of currency stated in the disclosure provided to you, if we relied on information provided by you in making the disclosure;
Delays that result from Félix applying holds or limitations. Our decision about holds or limitations may be based on confidential risk management procedures and the protection of Félix, our customers and/or service providers. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you;
Delays based on a review of a potentially high-risk Transfer;
Your errors in making a Transfer (for example, mistyping an amount of money that you are sending); and
Delays due to actions of third parties (e.g., your or a recipient's bank).

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Protection from Unauthorized Transactions
1. Our commitment. To protect yourself from unauthorized activity, you should regularly review the transaction notifications we send you and your transaction history in WhatsApp. Félix will notify you of each Transfer by sending a message to your WhatsApp account on file. You should review these transaction notifications to ensure that each Transfer was authorized and accurately completed.

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Félix will protect you from unauthorized activity. When this protection applies, Félix will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.

Unauthorized Transactions. An Unauthorized Transaction occurs when a Transfer is made from your WhatsApp account using Félix that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your WhatsApp account, and makes a Transfer, an Unauthorized Transaction has occurred.

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The following are not considered Unauthorized Transactions:

If you give someone access to your WhatsApp account (by giving them your login information) and they use Félix without your knowledge or permission, even if they exceed the authority you gave them. You are responsible for Transfers made in this situation.
Invalidation and reversal of a Transfer.

Reporting an Unauthorized Transaction. If you believe your WhatsApp login information has been lost or stolen, email us at: ayuda@felixpago.com.

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Tell us right away if you believe your WhatsApp login information has been lost or stolen, or if you believe that Transfers have been made without your permission using your WhatsApp login information. If you tell us within 60 days after we send you the transaction notification showing a Transfer you did not make, you will be eligible for 100% protection for Unauthorized Transactions.

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If a transaction notification shows a Transfer that you did not make, including one made with your WhatsApp login information or by other means, tell us at once. If you do not tell us within 60 days after we sent the notification, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

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Reversals and Chargebacks
1. Reversals and chargebacks generally. If you upload a payment that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment uploaded plus any fees. Whenever an upload is reversed, Félix will reverse the related Transfer.
2. Payments that are reversed. Uploads may be invalidated and reversed by Félix if:

Our investigation of a bank reversal (sometimes known as an ACH return) finds that the upload was fraudulent;
Félix sent a payment to you in error;
The upload was unauthorized; or
You made the upload for activities that violated these Terms, or any other agreement between you and Félix.

When you upload funds, you are liable to Félix for the full amount of the upload plus any fees if the upload is later invalidated for any reason.

Negative Refunds. If Félix refunds you for a Transaction after the funds have been disbursed or deposited to the recipient (a "Negative Refund"), the amount of that Negative Refund represents an amount you owe to Félix and you promise to repay the Negative Refund immediately without any notice from us. Félix may deduct amounts owed from money you upload. We may send you reminders or take such other reasonable actions to recover the Negative Refund from you; for example, we may use a debt collection service or take further legal actions. In order to recover the Negative Refund from you, we may convert the amount you owe us into U.S. dollars.

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Complaints

If you have a question or complaint regarding the Services, please send an e-mail to complaints@felixpago.com. You may also contact us by writing to Felix Technologies Inc., 201 South Biscayne Boulevard, Suite 1980, Miami, FL 33131 or on WhatsApp at (669) 333-3549. Please do not include bank account or debit card information or other sensitive information in your email or WhatsApp messages, as these channels are not guaranteed to be secure.

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When you submit a complaint or report an error (for example, if a Transfer was delayed, misdirected, or not delivered), we will acknowledge your request within one (1) business day. Félix will make reasonable efforts to resolve most complaints within three (3) business days. More complex cases may take longer, but you will receive a final response within forty-five (45) calendar days. For remittance errors governed by Regulation E, we will complete our investigation and report our findings within the timeframes described in Section 15.

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If your complaint relates to a covered remittance error under Regulation E (12 CFR 1005.33), you may be entitled to a refund or correction. Félix will inform you if additional documentation is needed and will keep you updated on the resolution process.

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If you are dissatisfied with the outcome of your case, you may request a review by a senior compliance officer. To do so, please reply to the case thread using the word "ESCALATE," or notify us again via WhatsApp or email. Félix will conduct a second-level review and notify you of the outcome.

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If your issue remains unresolved after contacting us, you may also contact the state licensing authority listed on your transaction receipt, if applicable. Félix is licensed or authorized in multiple U.S. states and your receipt will contain contact information for the relevant state regulator.

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This complaint process does not limit or waive any rights you may have under applicable state or federal law, or under Section 36 (Governing Law and Agreement to Arbitrate).

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PART III — LENDING

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Electronic Fund Transfers for Loan Repayments

This Part III applies to electronic fund transfers used to repay a Loan provided by Felix Credit Inc. These transfers are governed by the Electronic Fund Transfer Act and Regulation E, Subpart A. Each Loan is also governed by your Loan Agreement, which controls in the event of a conflict as described in Section 2.4.

Authorization for Automatic Payments. When you elect automatic payments for a Loan, you authorize Felix Credit Inc. to initiate recurring electronic fund transfers to collect your scheduled Loan payments using the payment method you select. The amount, frequency, and duration of these transfers are as described in your Loan Agreement, and you will be provided a copy of your authorization, including its terms, in a form you can save and access later. Your electronic signature on that authorization has the same legal effect as a signature on paper, as described in Section 21.
Right to Stop Payment. You may stop a scheduled automatic payment by contacting our Félix WhatsApp at (669) 333-3549 at least three (3) Business Days before the scheduled payment date. Stopping an automatic payment does not cancel your Loan or relieve you of your obligation to repay it.
Notice of Transfers That Vary in Amount. If a scheduled Loan payment will differ from the amount you previously authorized or from the regular payment amount, we will send you notice at least ten (10) days before the scheduled payment date, except where an exception under Regulation E applies (for example, where the payment equals the regularly scheduled amount).
No Compulsory Use. We will not require you to repay a Loan by preauthorized electronic fund transfer as a condition of receiving that Loan.
Errors Involving Loan Payments. If you believe a payment collected by Felix Credit Inc. was incorrect or was not authorized, please contact our Félix WhatsApp at (669) 333-3549. We will investigate the matter and work toward an appropriate resolution. Error resolution and other matters specific to your Loan are addressed in your Loan Agreement. You may also have the right to dispute the transaction with your bank or the financial institution that holds the account we debited. Contacting us does not extend any deadline that applies to a dispute with your bank.

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PART IV — COMMUNICATIONS AND ELECTRONIC RECORDS

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Communications Between You and Us

Félix may communicate with you about the Services electronically as described in our ESIGN Consent, and as set out in Section 21. You will be considered to have received a communication from us, if it is delivered electronically (including via WhatsApp, email or text message (SMS)), twenty-four (24) hours after the time we send it. You will be considered to have received a communication from us, if it is delivered by mail, three (3) Business Days after we send it.

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We usually contact you via WhatsApp. For this reason, you should maintain a valid WhatsApp account for as long as you use the Services, and you should check for incoming messages regularly; these messages may contain links to further communications on our Website. If you do not maintain or check your messages and other methods of communications, you may miss messages about your Transfers and the Services. Except where applicable law provides otherwise, including your cancellation and error resolution rights described in Sections 12 and 15 and the protections described in Section 16, we are not responsible for any consequence or loss resulting from your failure to do so. If you withdraw your consent to receive electronic Communications, Section 21.4 describes what happens to your account and your access to the Services.

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In addition to communicating via WhatsApp, we may contact you via email, letter or telephone where appropriate. Your consent to receive calls and text messages from us, and your right to revoke that consent, are described in Section 22.

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Electronic Communications Consent Disclosure (ESIGN Act)
1. Your Consent to Use Electronic Records and Signatures; Digital-Only Delivery. Before you apply for or use a Félix Product, we will ask you to expressly consent to receive Communications electronically, through a standalone affirmative action (for example, a checkbox or explicit confirmation within the application or enrollment flow) that is separate from your acceptance of the Loan Agreement.

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By giving this consent, you confirm that: (i) you can access, receive, and retain Communications in the electronic format described in Section 21.6; (ii) you understand that Félix provides Communications only in electronic form, so there is no paper alternative for continued use of the Services; and (iii) your consent applies to your relationship with Félix as a whole and to all Félix Products — including remittance/money-transfer services and loan products — and not only to a specific transaction, unless a particular Félix Product — such as a loan agreement — separately asks you to give a transaction-specific consent at the time of that transaction.

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By checking a box, selecting a confirmation, typing your name, replying through WhatsApp, or taking any other action we identify to you as a signature — that action is your electronic signature, and you intend it to sign that record. Your electronic signature has the same legal effect as a handwritten signature on paper, and an electronic record of your agreement has the same legal effect as a paper record.

Your Option to Receive Paper Copies. If we provide a Communication electronically and you want a paper copy, you may request one by contacting us at ayuda@felixpago.com. A fee may apply unless prohibited by applicable law; any fee will be disclosed at the time of your request.
New Félix Products; Privacy Policy. Your consent covers all Communications relating to any Félix Product — including remittance/money-transfer services and loan products — and remains in effect until you withdraw it as described in Section 21.4. When you apply for a new Félix Product, we may remind you that you have already given this consent; if you decide not to receive electronic Communications for that new product, that decision alone does not withdraw your consent for any other Félix Product. We may satisfy any obligation to make our Privacy Policy available by keeping it posted at Felixpago.com/legal/politicas-de-privacidad.
You May Withdraw Your Consent at Any Time. You may withdraw your consent to receive electronic Communications at any time by contacting us at ayuda@felixpago.com. There is no fee to withdraw your consent. Because Félix provides its Products and Services only in electronic form, withdrawing may result in cancellation of your Félix account, denial or discontinuation of a loan application, or a limit on your ability to use the product or the Service. Your withdrawal takes effect after we have had a reasonable opportunity to act on it.
Keep Your Email and WhatsApp Number Current. You must promptly tell us if your email address or WhatsApp number changes — at the same contact email above or through any update feature in the Services. If you do not keep this information current, you may not receive important communications about your account, a transaction, or a loan, and Félix will not be responsible for any resulting consequences or losses.
Hardware and Software You Will Need. To receive and retain electronic Communications, you need: (1) a smartphone, tablet, or computer with an internet connection; (2) an active WhatsApp account, for Communications delivered by WhatsApp; (3) a valid email address; (4) a current version of a web browser and of software that displays PDF files; and (5) the ability to print Communications or store them electronically. “Current version” means a version the publisher still supports.
Changes to Hardware or Software Requirements. If these requirements change in a way that creates a material risk that you could not access or retain your electronic Communications, we will notify you of the revised requirements. Continuing to use the Services or a Félix Product after that notice reaffirms your consent.

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If you are unable or unwilling to meet the revised requirements, you may withdraw your consent as described in Section 21.4, without any fee for that withdrawal and without any condition or consequence other than those already disclosed in this ESIGN Consent.

Enrollment With Our Assistance or Equipment. If you apply for a Félix Product through a Félix representative or using Félix-provided equipment, your enrollment or application may not be complete until you take an additional action we describe at that time. That action confirms your consent to use electronic records and signatures under this ESIGN Consent.
Communications in Languages Other Than English. We may be unable to fulfill and service Félix Products in a language other than English or Spanish. Future Communications may be provided in English or Spanish. The Spanish-language version of this ESIGN Consent and the Terms of Use is intended to be an accurate translation of the English version. In the event of any conflict or discrepancy between the English and Spanish versions, the English version will control.
Consent. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Félix Products.

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Telephone Calls, Communications, Emails, Text Messages and Voicemail

Your consent to be contacted. By accepting these Terms, you provide express written consent authorizing Felix Technologies Inc. and Felix Credit Inc., and each of their agents, subsidiaries, affiliates, officers, partners, contractors, employees, and authorized third-party collectors (collectively, "Representatives") to contact you at any phone number (including mobile, cellular, wireless, VoIP, or similar device) or email address you provide, for any lawful purpose related to your Félix account, products, or services, including marketing/promotional messages, account servicing, collections, verification, fraud prevention, and informational or transactional communications. Such contact may occur between 8:00 a.m. and 9:00 p.m. local time at your location, or other times permitted under applicable federal and state law.

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You agree that Félix and its Representatives may contact you for the aforementioned reasons using live operators, automatic telephone dialing systems, prerecorded or artificial voice messages, text messages, RCS messages, WhatsApp messages, and email (“messages”), and that this consent applies notwithstanding your registration on any federal or state do-not-call registry, to the extent permitted by law. You agree that message and data rates may apply. Consent to receive messages, automated or prerecorded communications is not required as a condition of obtaining any Félix product or service.

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You agree that Félix may monitor and/or record telephone conversations with you for quality assurance, training, and transaction verification. Where applicable state law requires notice of call recording, Félix will provide such notice at the start of the applicable call in addition to this consent.

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You may revoke this consent at any time by any reasonable means that clearly conveys the request, including by replying "STOP" to text messages and WhatsApp messages, or by clicking “Unsubscribe” at the bottom of email communications. Félix will honor a revocation request within ten (10) business days of receipt. Unless you tell us otherwise, a revocation applies to all channels and to all communications about this loan other than those we are required by law to send you. It does not affect your payment obligations under this Agreement.

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Messaging Program Terms
1. Our messaging program. Félix operates a messaging program under the brand name Félix, covering the comprehensive suite of financial products and services provided by Felix Technologies Inc. and Felix Credit Inc. We send messages through, Email, SMS text messaging, RCS messaging, WhatsApp, and other messaging channels we may offer.
2. Messages we send. Through this program, you may receive:

Service messages about your account, applications, and transactions.
Promotional messages about products, features, offers, and promotions.

How you join. You receive transactional and service messages based on the consent described in Section 22. We send promotional messages only if you separately opt in through an affirmative action identified as consent to receive promotional messages. Your consent to receive promotional messages is not a condition of obtaining any Félix product or service, and you may decline promotional messages and continue to use the product or service.
Message frequency. Message frequency varies based on your account activity and interactions.
Message and data rates. Message and data rates may apply. Your mobile carrier is not liable for delayed or undelivered messages.
How to stop promotional messages. Reply STOP to text messages and WhatsApp messages, or click “Unsubscribe” at the bottom of email communications for promotional messages. Stopping promotional messages does not cancel your account or relieve you of any payment or financial obligation and such related messages.
How to get help. Reply HELP to any SMS or RCS text message, and on WhatsApp for assistance. You may also contact us on WhatsApp at (669) 333-3549 for support, or email ayuda@felixpago.com or credit.support@felixpago.com.
Consent. Your consent rights are described in Section 22. Consent to receive messages is not a condition of obtaining any Félix product or service.

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PART V — RESTRICTED ACTIVITIES AND FRAUD PREVENTION

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Restricted Activities
1. Lawful purposes. You may use our Services only for lawful purposes. You may not use our Services:

in any way that breaches any applicable local, national, or international law or regulation, or causes Félix to breach any applicable law or regulation;
in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
for the purpose of harming or attempting to harm minors in any way;
for anything that is abusive, harmful, or does not comply with our content standards;
for any unsolicited or unauthorized advertising, promotional material, or any other form of spam;
to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware; or
in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.

Unsupported businesses and transactions. We do not support businesses or transactions which are involved in any of the categories in Sections 24.2.1 through 24.2.3 below; such businesses or transactions may be declined. While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance.
1. Regulated or illegal products and services:

Adult content
Alcohol
Tobacco
Cannabis
Controlled substances
Drug paraphernalia
Pharmaceuticals
Chemicals
Counterfeit or unauthorized goods
Gambling
Intellectual property or proprietary rights infringement
Products and services which are not legal in the jurisdiction where they are being offered

Financial and other professional services:

Binary options
Escrow services
Marketplaces
Money service businesses
Trading platforms
Shell banks
Superannuation funds
Syndicates
Trust and corporate service providers
Any financial services business operating without a license where one is required

Other restricted activities:

IPTV and VOIP services
Individuals, entities, or countries subject to international sanctions
Weaponry, military and semi-military goods and services
Unregistered nonprofit organizations and charities
Trusts and foundations
Restricted and/or endangered animal species
Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing

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Fraud Prevention
1. Fraud Risk and Transaction Reviews. Félix may review and place holds on transactions that are deemed high risk. Transactions may be delayed or canceled for compliance, fraud prevention, or risk management purposes. Félix utilizes proprietary fraud and risk modeling tools to assess transaction risks and may require additional verification steps from users before processing certain transactions.

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From time to time, as a precautionary measure, Félix may utilize a Penny Test to verify your payment method is valid and yours. This involves a small temporary charge (between $0.01 and $0.99) to your card, refunded automatically once confirmed. Refunds typically depend on your bank's processing time. Please note: disputing this small charge could delay verification and limit your access to Félix services.

Anti-Fraud Measures for New Accounts. Félix implements stringent measures to prevent fraudulent activity when opening new accounts. This includes the requirement for additional documents and identity checks to verify user information. Félix may utilize credit reference or fraud prevention agencies to authenticate personal and identity information provided by users.
Consumer Fraud Warnings. Félix provides warnings to users about common scams, including but not limited to:

Account Takeover and Impersonation Scams: A scammer fraudulently takes over a legitimate sender's account and sends a transfer to an accomplice; or a fraudster impersonates Félix and tricks you into sending money or payment details to an accomplice.
Accidental Payment Scam: A scammer fraudulently takes a legitimate sender's account, sends a transfer, then claims it was accidental, and requests a cancellation and refund. Users should verify such claims thoroughly and contact Félix support for assistance.

Users are advised to remain vigilant, and to verify claims and transactions on their own account.

Promotional Offers. To qualify for and receive any promotional offers or credits, users must meet the requirements specified in the Offer. Offers can only be redeemed for Félix transactions via the Félix WhatsApp number (669) 333-3549. Offers cannot be transferred, copied, or combined unless otherwise indicated. Félix reserves the right to modify or cancel offers at any time without prior notice. Users may opt out of receiving promotional offers and marketing messages at any time by replying "STOP". We will send you one message confirming your request. Stopping promotional messages does not stop service messages about your account or your transactions; to stop those, see Section 22. Stopping messages does not cancel your account, end your Loan, or relieve you of any payment obligation.
Compliance with Laws. Users agree to comply with all applicable laws and regulations while using Félix services. Félix reserves the right to report any suspicious or illegal activities to the appropriate authorities.

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PART VI — GENERAL LEGAL TERMS

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The following sections apply to all Services under these Terms, including both the remittance Services and Loans.

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Information Security

You are responsible for configuring your information technology, computer programs and platform in order to access our Services. You should use your own virus protection software. You must not misuse our Services by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorized access to the Services, our servers, computers or databases. You must not attack the Services, including via WhatsApp, with any type of denial-of-service attack. By breaching this provision, you would commit a criminal offence under applicable law, including the Computer Fraud and Abuse Act (18 U.S.C. § 1030). We may report any such breach to the relevant law enforcement authorities and we may co-operate with those authorities by disclosing your identity or other information to them. In the event of such a breach, your right to access and use our Services will cease immediately without notice, and you must immediately cease all such access and use.

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Third Party Materials

Certain Services functionality may make available access to information, products, services and other materials made available by third parties ("Third Party Materials") or allow for the routing or transmission of such Third Party Materials, including via links. By using such functionality, you are directing us to access, route and transmit to you the applicable Third Party Materials.

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We neither control nor endorse, nor are we responsible for, any Third Party Materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness or safety of Third Party Materials, or any intellectual property rights therein. Certain Third Party Materials may, among other things, be inaccurate, misleading or deceptive. Nothing in these Terms shall be deemed to be a representation or warranty by us with respect to any Third Party Materials. We have no obligation to monitor Third Party Materials, and we may block or disable access to any Third Party Materials (in whole or part) through WhatsApp, the Website or otherwise at any time. In addition, the availability of any Third Party Materials through WhatsApp, the Website or otherwise does not imply our endorsement of, or our affiliation with, any provider of such Third Party Materials, nor does such availability create any legal relationship between you and any such provider.

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Your use of Third Party Materials is at your own risk and is subject to any additional terms, conditions and policies applicable to such Third Party Materials (such as terms of service or privacy policies of the providers of such Third Party Materials).

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Anti-Money Laundering, Sanctions Screening, and Regulatory Compliance
1. Bank Secrecy Act and AML Compliance. Felix Technologies Inc. is registered with the Financial Crimes Enforcement Network (FinCEN) as a money services business (Registration #31000292246111), and complies with the Bank Secrecy Act (BSA) and related U.S. laws and regulations concerning anti-money laundering (AML). As required by law, Félix has implemented a risk-based AML program that includes:

Verification of customer identity (see Section 6),
Monitoring and reporting of suspicious activity, and
Retention of transaction records.

By using the Services, you agree to provide all requested information to enable Félix to comply with applicable AML obligations. Failure to provide such information may result in delayed or rejected transactions, account suspension, or termination of Services.

Office of Foreign Assets Control (OFAC) Compliance. In accordance with U.S. sanctions laws, Félix screens all users and transactions against applicable lists maintained by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), including the Specially Designated Nationals (SDN) list and other applicable sanctions lists.

Félix prohibits transactions to or from any person, entity, or jurisdiction that is:

Subject to comprehensive U.S. sanctions (e.g., Cuba, North Korea, Iran, Syria, Russia-related sectors),
Listed on OFAC's SDN or other blocked persons lists, or
Otherwise designated as ineligible under applicable law.

If your transaction involves a sanctioned party or country, Félix may be legally obligated to block, reject, or report the transaction without notice to you. You understand and agree that:

You are not located in or a resident of any country subject to U.S. embargo,
You are not acting on behalf of any person or entity subject to U.S. sanctions, and
You are not listed on any U.S. government restricted persons list.

Government Disclosures. Félix may disclose user information and transaction data to law enforcement, regulators, and other government agencies in accordance with applicable law, including but not limited to:

Suspicious Activity Reports (SARs) filed under 31 U.S.C. § 5318,
Responses to subpoenas or lawful requests from regulators or courts,
Compliance with sanctions enforcement actions, and
Anti-fraud investigations.

By using Félix, you acknowledge and consent to such compliance activities.

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Limitation on Félix's Liability, Indemnity and Release
1. Limitation on Félix's Liability. In this Section 29, we use the term "Félix" to include Felix Technologies Inc., Felix Credit Inc. and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.

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In no event shall Félix be liable for lost profits or for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind, under any contract, tort (including negligence), strict liability or other theory, including damages for loss of profits, use or data, loss of other intangibles, loss of business, loss of security of any information or other materials (including unauthorized interception by third parties of any information or other materials), even if advised in advance of the possibility of such damages or losses, however arising, including negligence, unless and to the extent prohibited by law. Our liability to you or any third parties in any circumstance is limited to the lesser of (i) the actual amount of direct damages or (ii) $100. This limitation does not apply to amounts we are required to refund or make available under Sections 12, 15, and 16, or to any liability that cannot be limited under applicable law.

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In addition, to the extent permitted by applicable law, Félix is not liable, and you agree not to hold Félix responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from: (1) your use of, or your inability to use, WhatsApp, our Website, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, or any of the Services; (2) delays or disruptions in WhatsApp, our Website, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or any of the Services; (3) viruses or other malicious software obtained by accessing WhatsApp, our Websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or any of the Services or any Website or service linked to our Websites, software or any of the Services; (4) glitches, bugs, errors, or inaccuracies of any kind in WhatsApp or our Website, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or any of the Services or in the information and graphics obtained from them; (5) the content, actions, or inactions of third parties; (6) a suspension or other action taken with respect to your use of the Services; or (7) your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to these Terms or any other Félix policy.

Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless Félix and its affiliates, and their respective successors and assigns, from and against all claims, liabilities, damages, judgments, awards, losses, costs, expenses and fees (including attorneys' fees) arising out of or relating to (a) your or your authorized third parties' use of, or activities in connection with, the Services; and (b) any violation or alleged violation by you of these Terms or applicable law.
Release. If you have a dispute with any other Félix user or a third party that you send money to, you release Félix from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such dispute. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

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Service Availability

We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or be uninterrupted. We have the right to suspend, withdraw, discontinue or change all or any part of our Services without notice. We will not be liable to you if for any reason our Services are unavailable (in whole or in part) at any time or for any period. You are responsible for making all arrangements necessary for you to have access to the Services (including all hardware and telecommunications services).

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Disclaimer of Warranty

The Services are provided "As-Is," "Where Is" and "Where Available" and without any representation or warranty, whether express, implied or statutory. Félix specifically disclaims any implied warranties with respect to the Services to the fullest extent permissible under applicable law, including the warranties of merchantability, fitness for a particular purpose, non-infringement and title.

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Insolvency Proceedings

If any type of bankruptcy or insolvency proceeding (e.g., a proceeding commenced under any provision of the United States Bankruptcy Code) is commenced by or against you, we will be entitled to recover all reasonable costs or expenses (including reasonable attorneys' fees and expenses) incurred in connection with the enforcement of these Terms or requests that we supply information in connection with such proceeding.

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Intellectual Property

Félix logos are all logos related to the Services that are either trademarks or those of licensors. You may not copy, imitate, modify or use them without Félix's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Félix. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by Félix for the purpose of directing web traffic to the Services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes Félix or the Services or display them in any manner that implies Félix's sponsorship or endorsement. All right, title and interest in and to the Félix Websites, any content thereon, the Services, the technology related to the Services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of Félix and its licensors.

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Translation of These Terms

Any translation of these Terms is provided solely for your convenience and is not intended to modify the terms of these Terms. Only the English language version of these Terms is an official version. In the event of a conflict between the English version of these Terms and the Spanish version, the English version shall control, except where applicable state or federal law provides otherwise.

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Privacy

Protecting your privacy is very important to us. Please review our Privacy Policy at: Felixpago.com/legal/politicas-de-privacidad in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. Félix may share your information with fraud prevention agencies, law enforcement, or other regulatory bodies as required by law.

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Governing Law and Agreement to Arbitrate

You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in these Terms, the laws of the State of New York, without regard to principles of conflict of laws, will govern these Terms and any claim or dispute that has arisen or may arise between you and Félix, and regardless of your location. Except for disputes that qualify for small claims court, all disputes arising out of or related to these Terms or any aspect of the relationship between you and Félix, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury and you agree that Félix and you are each waiving the right to trial by a jury. You agree that any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted and you are agreeing to give up the ability to participate in a class action. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as amended by these Terms. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by the AAA or by the arbitrator. The arbitrator's decision will follow these Terms and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of these Terms, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. Notwithstanding any of the foregoing, nothing in these Terms will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against us for you.

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Félix Is a Payment Service Provider

Our relationship with you under these Terms is as a payment service provider, and Félix is an independent contractor for all purposes. Félix is not your agent or trustee.

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Unlawful Internet Gambling Notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through Félix or your relationship with Félix. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling.

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Export Controls

You are responsible for complying with United States export controls and for any violation of such controls, including any United States embargoes or other federal rules and regulations restricting exports. You represent, warrant and covenant that you are not (a) located in, or a resident or a national of, any country subject to a U.S. government embargo or other restriction, or that has been designated by the U.S. government as a "terrorist supporting" country; or (b) on any of the U.S. government lists of restricted end users.

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Other Information About These Terms

You may not transfer or assign any rights or obligations you have under these Terms without Félix's prior written consent. Félix may transfer or assign these Terms or any right or obligation under these Terms at any time.

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Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. If we delay in asking you to do certain things or in taking action, it will not prevent us taking steps against you at a later date.

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Our failure to act with respect to a breach of any of your obligations under these Terms by you or others does not waive our right to act with respect to subsequent or similar breaches.

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These Terms are the entire agreement between you and us relating to the subject matter hereof, and supersede any and all prior or contemporaneous written or oral agreements or understandings. These Terms are between you and us. No other person shall have any rights to enforce any of these Terms. These Terms do not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and us.

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