Last updated June 10, 2020

Welcome to Valiu! This User Agreement (the “Agreement”) is between you (also referred to herein as “user”, “you” and “your”) and Chani S.A.S., a corporation formed under the laws of the Republic of Colombia and its affiliated companies (collectively referred to as the “Company”, “we”, “us” or “our”). This Agreement governs your use of the Company’s digital wallet and payment systems and technology (“Valiu”) and the various services (described in Section 1.1 herein) (the “Services”). By signing up to use an account (the “Valiu Account”) through Valiu.com or through the Valiu mobile application (collectively, the “Site”) , you agree to you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement and the Company’s Privacy Policy.

We may make changes to the Agreement from time to time. If we do this, we will post the changed Agreements on the Site and will indicate at the top of this page the date the was last revised. You understand and agree that your continued use of the Services or the Site after we have made any such changes constitutes your acceptance of the new Agreement.

• 1. Opening a Valiu account
• 2. Using Valiu as a method of payment
• 3. Using Valiu as digital wallet
• 4. USDv purchase and sales from the company
• 5. Risk Factors
• 6. Site availability and errors
• 7. Resolution of errors in electronic transfers
• 8. Fees, charges, payments and taxes
• 9. Intellectual property; license for authorized use
• 10. Unclaimed property
• 11. Links to other sites
• 12. Risks
• 13. Complaints, inquiries and dispute resolution
• 14. Limitations of liability
• 15. Promotions
• 16. Privacy
• 17. Data protection and security