Send a shipment to the area, refer a friend, and win prizes.
Send a shipment to the area, refer a friend, and win prizes.
This campaign is organized by Retorna Holding SpA ("Retorna"), tax ID 76.901.962-6, with its registered office at Avenida Andrés Bello N° 2233, Office 501, Providencia, Metropolitan Region, Santiago, Chile.
Inquiries and complaints regarding the campaign should be directed to the official channels indicated in section 12 of these Terms and Conditions.
For the purposes of these Terms and Conditions, the following definitions apply:
(a) “Official Time”: continental Chile time.
(b) “Successful Transfer”: a transaction that has been effectively credited to the beneficiary in the destination country and which, at the time of evaluating eligibility or applying the benefit, has not been subject to a reversal, refund, cancellation, or pending dispute.
(c) "Eligible User": a user who meets all of the following requirements: (i) has a registered account with Retorna; (ii) has successfully completed the identity verification (KYC) process required by Retorna; (iii) has no record of previous money transfers through the platform; and (iv) has received the Campaign Communication.
(d) “Promotional Balance”: a benefit granted by Retorna via a credit to the user's operational account, intended exclusively for making their first eligible money transfer. This balance does not constitute funds at the user's free disposal and may not be withdrawn, exchanged for cash, or credited to the user's bank accounts, digital wallets, or other financial products.
(e) “Campaign Communication”: a communication sent by Retorna to the user through its official channels, informing them of their participation in the “Account Balance” campaign. Retorna will determine, at its sole discretion, the users to whom it will send such communication.
(f) “Operational Account”: the user's personal account on the Retorna platform, through which they conduct their transactions and to which the Promotional Balance is credited.
(g) “Eligible Transfer”: the first money transfer made by the Eligible User through Retorna, from the countries of origin indicated in these Terms and Conditions and destined for any of the countries enabled by Retorna on its platform.
The User must read, understand, and fully accept these Specific Terms and Conditions. Anything not expressly regulated in this document shall be governed by the General Terms and Conditions of Retorna, including the liability regime, indemnity obligations, and applicable definitions.
The campaign“Account Balance”is organized by Retorna. In the event of any conflict between these Specific Terms and Conditions and the General Terms and Conditions, these Specific Terms shall prevail, unless expressly provided otherwise.
The foregoing shall be understood without prejudice to the mandatory regulations applicable in the jurisdiction from which the remittance originates.
Individuals who do not accept the General and Specific Terms and Conditions will not be able to use the Retorna application, participate in this campaign, or access its benefits.
Retorna reserves the right to interpret these Terms and Conditions in accordance with applicable law and its internal regulatory compliance policies.
The campaign“Account Balance” is a promotion valid from 12:00 AM on October 27, 2026, until 11:59 PM on November 30, 2026, according to Official Time.
The campaign is aimed exclusively at Retorna users who have not previously made their first money transfer through the platform and who have received the Campaign Communicationregardless of the account creation date, provided they meet the identity verification requirements and other conditions set forth in this document.
Users who have made one or more money transfers through Retorna before receiving the promotional benefit are not eligible to participate.
The promotion applies to the first money transfer made from Chile, Colombia, Peru, Brazil, or from European Union countries where Retorna is authorized to operate, to any of the countries enabled by Retorna on its platform.
Participation in the campaign is subject to compliance with the operational, regulatory, and identity verification requirements applicable in each jurisdiction.
Each Eligible User who meets the conditions set forth in these Terms and Conditions may receive a promotional balance credited directly to their Retorna operational account, equivalent to:
A single benefit will be granted per person, subject to the availability of promotional benefits.
To participate in the campaign “Account Balance” and access the promotional benefit, the user must meet the following conditions:
The Eligible User must make their first money transfer through Retorna within the promotional benefit period.
The promotional balance will be automatically credited to your operational account and will be available for use exclusively on that first transfer.
The Eligible Transfer must qualify as a Successful Transfer, as defined in section (b) of this document, and must be validly completed, paid, and not cancelled within the individual benefit period.
The promotional balance cannot be used for subsequent transfers or applied to operations other than those authorized in these Terms and Conditions.
The first Eligible Transfer must be made from Chile, Colombia, Peru, Brazil, or from European Union countries where Retorna is operational, to any of the countries enabled by Retorna on its platform.
There is no minimum transfer amount required to access the promotional benefit.
The first Eligible Transfer must be made between 12:00 AM on October 27, 2026, and 11:59 PM on November 30, 2026, according to Official Time, and within the 48 hours following the communication of the campaign to the user.
The campaign is limited to a total of 1,000 promotional benefits, distributed as follows:
The benefit will be granted until the number of available benefits per country is exhausted, based on the chronological order in which promotional balances are assigned to users' operational accounts. Consequently, receiving the campaign communication does not guarantee the assignment of the benefit once the available benefits for the corresponding country have been exhausted.
Retorna may reject participation or revoke the benefit if it detects the creation of multiple accounts, the use of third-party data, the splitting of transactions, inconsistencies in identity verification, prior money transfers, or any indication of misuse, in accordance with its internal compliance and anti-money laundering policies.
Retorna reserves the right to reverse or withdraw any unused promotional balance once its validity period has ended, as well as to cancel or reverse the benefit if misuse, fraud, or non-compliance with these Terms and Conditions is detected.
Note on the validity of the benefit: Although the Account Balance campaign will run from October 26, 2026, to November 30, 2026, each promotional balance will have an individual validity period of 48 hours from the time the promotional communication is sent to the user. Once this period has elapsed, any unused promotional balance will automatically expire, even if the campaign is still active. In no case may it be used after 11:59 PM on November 30, 2026.
The User expressly agrees to indemnify and hold harmless Retorna, its affiliates, directors, and employees from any judicial, extrajudicial, or administrative claim arising from the misuse of the platform, breach of these Terms and Conditions, or fraudulent use of their access credentials.
Retorna shall not be liable for:
In no event shall Retorna's liability exceed the amount actually paid by the user in the specific transaction giving rise to the claim, unless otherwise required by mandatory law.
The foregoing is without prejudice to the rights afforded to consumers under the applicable laws of each jurisdiction.
Retorna operates under strict standards of regulatory compliance and the prevention of money laundering, terrorist financing, and other financial crimes, in accordance with the legislation applicable in each jurisdiction where it provides services.
By virtue of the above, Retorna may:
Measures taken in compliance with legal or regulatory obligations shall not entitle the user to any form of indemnity or compensation.
Retorna will process users' personal data in accordance with the data protection regulations applicable in each jurisdiction where it operates, including, where applicable, the European Union's General Data Protection Regulation (GDPR) and other current local laws.
Users may exercise their rights of access, rectification, updating, opposition, or deletion in accordance with applicable legislation and the mechanisms established in Retorna's Privacy Policy.
The provision of data may be required for identity verification, regulatory compliance, and anti-money laundering purposes, in accordance with Retorna's legal obligations.
Any dispute arising from the interpretation, execution, or application of these Terms and Conditions shall be resolved, in the first instance, through direct settlement between the parties.
If no solution has been reached within thirty (30) calendar days from the emergence of the claim, the parties may submit the dispute to alternative dispute resolution mechanisms available in the user's jurisdiction, in accordance with applicable regulations.
In the absence of an agreement, the dispute shall be heard by the competent courts of the country where the transaction originated, without prejudice to the rights granted to the user by consumer protection regulations in their jurisdiction of residence.
Retorna will always act in good faith and in accordance with the applicable legal framework.
Retorna may modify, suspend, or terminate the "Account Balance"campaign at its sole discretion and at any time for operational, regulatory, security, or compliance reasons, without prior notice and without generating any right to compensation for users.
Such modifications will not affect the rights acquired by users who have fully met the campaign conditions prior to the modification or suspension.
Retorna reserves the right to suspend or block accounts and void benefits if it detects fraudulent use, breach of these Terms and Conditions, creation of multiple accounts, identity theft, or any conduct contrary to applicable regulations or its internal compliance policies.
The foregoing shall be understood without prejudice to the legal obligations that apply in accordance with the regulations in force in each jurisdiction.
For any questions, inquiries, requests, or issues related to the "Account Balance""Account Balance" campaign, users may contact the Retorna Customer Support team through the official WhatsApp channel indicated on the platform. Retorna may update its official support channels, subject to prior notification to users.
Requests will be handled according to current operational timelines. In the case of requirements related to identity verification, validation of benefit usage, account blocking, or manual review of transactions, Retorna may request additional information and, if necessary, temporarily suspend the account until the validation process is complete, in compliance with its regulatory obligations.
Retorna NEVER requests sensitive information (passwords, verification codes, full bank details, credit card numbers, or PINs) through:
If the user receives suspicious communications requesting this type of information, they must report them immediately to [email protected] and refrain from providing any data.
