TERMS AND CONDITIONS FOR FÉLIX PAGO'S REFERRAL PROGRAM AND THE MOTHER’S DAY 2025 CAMPAIGN

This agreement sets forth the terms and conditions (the “Agreement”) between Félix Pago (“Félix,” “we,” “us,” or “our”) and the User (“you” or “your”) as participant in Félix Pago’s Referral Program (the “Referral Program”). By participating in the Referral Program, you agree to be bound by the terms of this Agreement, as well as Félix Pago’s Terms of Use and Privacy Policy. If you do not agree to these terms and conditions in their entirety, you are not authorized to participate in the Referral Program.

Individuals invited to participate in the Referral Program are called “Referees.”

1. Participation in the Referral Program

To participate in the Referral Program, you must:

• Have successfully completed at least one transaction through Félix Pago. 

Please note that a transaction will be dated according to the date on which the transaction was successfully completed to be eligible. A transaction is "completed" when funds are deposited into your beneficiary's bank account, or the cash sent is picked up by your beneficiary at the selected location. Transactions subject to a subsequent payment decline or chargeback are not considered “successful” transactions. 

• Comply with Félix Pago’s applicable policies, including the requirements outlined in this Agreement and any other applicable agreements.
• Have no history of chargebacks for previous transactions.
• Have not been identified by Félix as a user associated with suspicious fraudulent activities or included on restricted user lists, at our sole discretion.

Félix reserves the right to request additional information from you or your referral to comply with Know Your Customer (“KYC”) regulations and legal requirements. Providing such information is mandatory to participate in the Program and receive the corresponding incentives.

2. Requirements for Valid Referrals

To qualify as a valid referral and receive the corresponding incentive (“Incentive”), your referral must meet all the following requirements: 

1. Access the Félix Pago service directly from your unique referral link and successfully register with Félix through that link.
2. Complete a money transfer using Félix Pago for the first time, and (i) meet the requirements of the Program, (ii) receive approval from Félix, and (iii) ensure that the recipient successfully receives the transfer (referred to as a "successful transaction"). 
3. Use a U.S.-issued debit or credit card for payment. 
4. Comply with Félix Pago’s Terms of Use and any additional requirements specified by Félix.
5. Complete the transaction within the promotional period.

Any transaction that is canceled, declined, or fails to meet the requirements outlined herein will not qualify for Incentives.

You must copy the referral link and are free to choose how you send the link to the Referee (e.g., via email, social media, etc.), provided that you send the link only in accordance with this Agreement.

3. Standard incentives

For each valid referral:

• You will receive USD $20 to apply toward your next transfer, subject to a minimum transaction amount of USD $20.
• Your referral will receive one commission-free transaction and a promotional exchange rate valid only for transfers to Mexico, Guatemala, and Honduras.
• Incentives are promotional, have no cash value, are non-transferable, and cannot be exchanged for money or other benefits.

4. Special End-Of-Year Campaign

During the Special mother’s day 2025 Campaign (the “Special Campaign”), running from April 25 at 12:00 am (EST) to May 15 at 11:59 pm (EST) (the “promotional period”), subject to extension at our sole discretion, Félix Pago offers additional rewards for referring others to use our money transfer services. 

For each valid referral, you will earn the standard USD $20 incentive. However, if you refer three or more people during the campaign period, you will receive an additional one-time bonus of USD $40 on top of the USD $20 incentive for each referral. For example, if you refer three people, you will earn USD $20 for each of them (USD $60 total) plus the USD $40 bonus, making a total of USD $100. Each referral must meet all eligibility requirements, and this bonus applies exclusively to referrals completed within the Special Campaign period.

The additional incentive applies exclusively to valid referrals that meet the requirements during the promotional period and is granted only once when you refer 3 people who complete a successful transaction. This means that no additional bonus beyond the standard incentive will be awarded for referring 4 or more people. In such cases, you will only continue to receive the standard $20 incentive for each valid referral beyond the first three.

Referrals made prior to the promotional period are not eligible for this Special Campaign.

The additional incentive will be credited to your account and available for use every Friday during the campaign's promotional period.

5. Prohibited Usage

You may not participate in the Referral Program in the following ways (“prohibited usage”):

1. Refer existing Félix Pago users, including through different identities, logins, registrations, or any other similar methods.
2. Create duplicate or fraudulent accounts.
3. Refer persons under the age of 18.
4. Participate in the Referral Program in violation of any applicable laws or regulations.
5. Conduct referrals through mass distribution methods or in ways that may be considered unsolicited or undesirous communications (“spam”).
6. Use the Referral Program for commercial purposes.
7. Participate in the Referral Program where doing so would be prohibited by any applicable law, statute, or regulation.

Should you engage in activity that we believe, in our sole discretion, constitutes a prohibited usage or otherwise breach this Agreement, you will not be eligible and will not qualify for an Incentive for your Referee’s subsequent money transfers with Félix Pago. We reserve the right to void any Referral or delivery of Incentives that (i) appear to be fraudulent, (ii) appear to have been created as a result of a fraudulent transaction, or (iii) otherwise breach this Agreement, including by engaging in any one of any Prohibited Usage.

6. Modifications and Termination

Félix may modify or terminate the Referral Program or this Agreement at any time, with or without prior notice. Modifications will take effect upon publication on Félix Pago’s website. Continued participation in the Program after a modification constitutes your acceptance of the modified terms.

7. Limitation of Liability

Félix will not be liable for indirect, incidental, punitive, or consequential damages arising from your participation in the Referral Program. Félix’s liability is limited to the monetary value of the corresponding Incentive.

8. Governing Law

This Agreement will be governed by the laws of the state of Delaware. In the event of a dispute, the parties agree to submit to the jurisdiction of the competent courts in the state of Delaware. 

All issues and questions concerning the construction, validity, interpretation, and enforceability of this Agreement or the rights and obligations of the User or Félix Pago shall be governed by the laws of the State of Delaware without giving effect to any choice of law or conflict of law rules or provisions which would cause the application of the laws of any jurisdiction other than the State of Delaware. All actions, proceedings, and/or litigation relating hereto will be instituted and prosecuted solely within the State of Delaware. The parties consent to the exclusive jurisdiction and venue of the state and Federal courts of the State of Delaware with respect to any action, dispute, or other matter pertaining to or arising out of this Agreement.