Send a shipment to the area, refer a friend, and win prizes.
Send a shipment to the area, refer a friend, and win prizes.
REMITTANCES WITHOUT KYC (IDENTITY VERIFICATION)
FIRST SHIPMENT WITHOUT FULL IDENTITY VERIFICATION PROCESS
KNOWLEDGE AND ACCEPTANCE OF PARTICULAR TERMS AND CONDITIONS
These Particular Terms and Conditions must be read, understood and accepted by the User. Anything not established in these Particular Terms and Conditions will be governed by the General Terms and Conditions, including, without limitation, the liability and indemnity regime and the definitions.
It should be noted that anyone who does not accept the General Terms and Conditions and the Special Terms and Conditions, which are mandatory and binding, must refrain from using the Retorna application and/or participating in the program and the benefits offered.
OBJECT AND SCOPE
These terms and conditions govern the use of the functionality. “First Remittance Without KYC (Identity Verification) Complete” of Retorna, available exclusively for shipments made from Chile and Colombia. This functionality allows users to send a first shipment with a process of simplified registration, streamlining access to money transfer services without compromising security and regulatory compliance standards. Shipments will be subject to the amount limits established for each country.
By using this functionality, the user expressly accepts these terms and conditions, as well as the general policies of the platform.
The user can send a first shipment without completing the full KYC, as long as the amount does not exceed the following limits:
Once any of these limits have been reached, even if the remittance is for a smaller amount, completing the full KYC process will be required to complete a second transaction.
Retorna may adjust these limits depending on regulatory changes or internal risk policies, notifying users through official channels.
To make a second shipment, the user must complete the identity verification process, including:
All transactions will be monitored in real time to detect suspicious patterns of fraud or money laundering. Retroma may block or hold transactions if risk alerts are identified until the user provides the additional information requested.
The misuse, fraudulent or with false information of this functionality will be considered a serious violation and may result in:
In addition, Retorna reserves the right to verify that the same user has not created multiple accounts to benefit from this functionality more than once. If duplicate registrations are detected, the benefits obtained improperly will be suspended and reversed.
The User expressly authorizes Retorna to keep and, if requested by a competent authority, to share information related to the transaction, including data of the sender and beneficiary, for the purpose of auditing, monitoring or investigating financial crimes.
Retorna reserves the right to refuse transactions or suspend accounts if it detects activity that contravenes money laundering prevention or terrorist financing laws in Chile, Colombia, the EU and Peru.
The User expressly and irrevocably undertakes to hold Retorna and/or its related and affiliated companies, shareholders, officers, directors, managers, representatives and employees harmless from any claim, demand, or extrajudicial, administrative or judicial sanction initiated by other users, third parties or any body, related to their activities on the site, compliance or non-compliance with these Particular Terms and Conditions and the General Terms and Conditions, or if the existence is verified of fines or debts generated by the User or their activity in the Retorna application.
The User accepts that the use of the Retorna application and the benefits of the campaign is done under their own, exclusive and sole responsibility. The Company is not responsible for direct or indirect damages, including, but not limited to, damages for loss of opportunity, loss of information, marketing actions, or for delays, interruptions, defects in transmissions, viruses or system failures, provided that this is not attributable to the Company due to intent or serious fault declared as such by a court ruling.
Except as expressly stipulated in these Terms and Conditions, any act of copying, reproduction, modification, creation of derivative works or exhibition of the contents of this application, by any means or form, including, but not limited to, electronic, mechanical means, photocopying, recording or any other nature, is prohibited.
Under no circumstances do these Terms and Conditions confer rights, licenses or authorizations to perform the previously prohibited acts. Any unauthorized use of the contents will constitute a violation of copyright and current intellectual property rules.
Retorna is committed to protecting the privacy and personal data of users, ensuring safe and responsible treatment of information, in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) of the European Union and the local regulations of the countries where it operates.
The personal data collected during the registration and identity verification process will be used exclusively for:
In the event of disputes or conflicts arising from the interpretation or execution of these terms and conditions, the parties will seek to resolve them in good faith through direct negotiations within a maximum period of 30 business days. If an agreement is not reached, the dispute will be resolved before the competent courts of the country of origin of the transaction.
For inquiries, complaints or complaints, users can contact the Retorna support team via email: [email protected].
Retorna reserves the right to modify these terms and conditions at any time to adapt them to regulatory changes or improvements in security procedures. The changes will be notified to users through official channels.
Continued use of the platform after notification of changes will imply acceptance of the new terms.
