Our Terms & Conditions

THE SERVICE PROVIDED BY VAGON INVESTMENTS SPA THROUGH THEIR QUICKEX PRODUCT IS PROVIDED IN ACCORDANCE WITH THE FOLLOWING TERMS AND CONDITIONS. Transfers through the Quickex® Service owned by VAGON INVESTMNTS SpA may be sent and collected at most Quickex Agent locations. all over the world. Customers can call the telephone number indicated below to request the address and business hours of nearby locations. Some locations are open to the public 24 hours a day. When an Agent accepts a check, credit card or debit card or other form of payment that is not effective, neither Quickex nor the Agent assume any obligation to process or pay the money transfer if the payment method is uncollectible, nor do they assume any responsibility for damages resulting from non-payment of the money transfer due to such circumstance. Quickex reserves the right to modify these terms and conditions or the service offered without prior notice. Quickex and its Agents may refuse to offer the service to anyone, without expressing cause.

Money transfers are available for collection in just minutes, subject to the business hours of the local Quickex Receiving Agent (“Agent”). Money transfer services Next Day / 2 Days and transfers to accounts are available upon request for limited countries. Money sent using the Next Day / 2 Day service will be available for collection within 24 and 48 hours, respectively. Transfers to bank accounts generally take 3 business days. Exceeding the amount limits, local restrictions or other restrictions in certain countries may delay the transaction. Quickex does not act as agent or representative of any bank for any purpose and does not accept deposits in favor of any bank. Call the number below or the one on the receipt to request more information. Money transfers are usually paid in cash, but some Agents can pay by checks or a combination of cash and check, or perhaps the beneficiary chooses both ways to receive the funds, and some money transfers can be deposited in accounts. All cash payments are subject to availability, that the beneficiaries display their personal identification documents and provide all the information required by Quickex about the transaction, including the names of the Sender and Beneficiary, country of origin, approximate amount, the order number and any other requirements that apply. The Sender authorizes Quickex to accept the method chosen by the Beneficiary to receive the funds, even if it differs from the one chosen by the Sender. Cash transfers will be paid to the people that the Agents consider empowered to receive the transaction after having verified their identity, usually by submitting their personal identification documents.

Such payment can be made even if the form completed by the Beneficiary contains errors. Neither Quickex nor its Agents will compare the “To Send Money” form against the “To Receive Money” form in order to verify the address provided for the Beneficiary. In some destinations, the Beneficiary may be requested to provide identification. Vagon is registered in the Financial Analysis Unit (UAF), so its Quickex program and its agents are obliged to respect and comply with the legal and regulatory regulations established by the UAF; In particular, the applicable legislation prohibits transmitters from operating commercially with certain individuals and countries. Quickex must control and compare all transactions against a list of names provided by the governments of the countries in which we operate, including the Office of Foreign Assets Control of the Department of the American Treasury (OFAC) and the European Union. If a potential match is identified, Quickex investigates the transaction in order to determine whether the name of the individual listed in the relevant listing. Sometimes, customers are requested to provide a form of identification or additional information, which may delay transactions. This is a legal requirement for all transactions processed by Quickex. COMMISSION FOR THE TRANSFER SERVICE – Written information explaining how Quickex charges the Sender for making the money transfer will be prominently displayed in the Agent’s location or will be informed to the Sender prior to completing the transaction.

Unless otherwise required by applicable law in the country of destination, the Sender will pay all charges for the money transfer service. In certain cases, the payment of a money transfer may be subject to local taxes and service charges. EXCHANGE RATE – Money transfer payments will generally be made in the currency of the destination country (in some countries the payment is available only in US Dollars or other alternative currency). In addition to the commission for the transfer service applicable to each transaction and if the currency that the Sender submits to the Agent is not the currency to be received by the Beneficiary, the currency will be converted at the exchange rate provided by Quickex that is effective at that time. The currency will be converted at the time of the transfer and the Beneficiary will receive the amount of the foreign currency indicated on the receipt. In some countries, local regulations require that the currency be converted at the time the Beneficiary is paid, in which case the exchange rate and any amount indicated on the receipt will be subject to exchange rate fluctuations between the time of transfer and payment. time the Beneficiary collects the funds. Quickex calculates its exchange rate based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times a day in line with the relevant exchange rate at the close of international financial markets. The exchange rate applied may be less favorable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the exchange rate offered to customers and the exchange rate received by Quickex will be assumed by Quickex (and, in some instances, by its Agents) in addition to the commission for the transfer service. You can obtain additional information about exchange rates for specific destinations by calling the number on the bottom margin of this form or by visiting our website www.quickex.cl Shipments and payments in countries that provide payments in multiple currencies: Senders They must select the payment currency at the time they make the shipping transaction. TRANSFERS TO ACCOUNTS – the Beneficiary may incur additional charges for receiving the funds of the Sender through a phone in a bank account or other account. Transfers must be sent to a local currency account (Beneficiary), otherwise the receiving institution can convert the funds at its own exchange rate or reject the transaction. The contract concluded by the Beneficiary with its cell phone service, electronic bank wallet or other account provider governs the account and determines its rights, obligations, commissions, availability of funds and account limitations.

Quickex can earn money from commissions associated with the use of an account. Quickex assumes no responsibility to the Sender or any account holder for any commission, exchange rate used for conversion to a non-local currency, acts or omissions of the intermediary or destination financial service providers. REIMBURSEMENT – Quickex will reimburse the capital amount of a money transfer (at the applicable exchange rate described in this document and that was in effect at the time of reimbursement) upon written request of the Sender if the payment to the Beneficiary has not been made or credited within 45 days. The reimbursements of the commissions for the transfer service are made at the written request of the Sender if the transfer is not available to the Beneficiary within the period specified for the selected service, subject to business hours and the availability of funds in the location selected for Payment and other conditions, including, without limit, conditions beyond the control of Quickex or its Agents, such as weather or telecommunications failures. Fees for the transfer service will not be refunded if the transfer was stopped at the request of the Sender. Payment of some money transfers may be delayed as a result of the application of laws or other applicable legislation. To the extent permitted by law, Quickex may deduct an administrative charge from money transfers that were not collected within a period of one year from the date of shipment.

RESPONSIBILITY – QUICKEX DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY PRODUCT OR SERVICE PAID THROUGH A QUICKEX MONEY TRANSFER. THE SENDER’S TRANSACTION DATA IS CONFIDENTIAL AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN WITH ITS BENEFICIARY. IT IS NOT ADVISED THAT THE SENDER SEND MONEY TO ANY UNKNOWN PERSONS. IN NO EVENT SHALL QUICKEX OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES, DELAYS, LACK OF PAYMENT OR INSUFFICIENT PAYMENT OF THIS MONEY TRANSFER, OR FOR THE FAILURE OF DELIVERY OF SOME COMPLEMENTARY MESSAGE, WHETHER IS CAUSE OF THE NEGLESS OR OTHERWISE, WHICH EXCEED THE EQUIVALENT SUM OF US $ 500 (IN ADDITION TO THE REIMBURSEMENT OF THE MAIN AMOUNT AND THE COMMISSION FOR THE TRANSFER SERVICE). IN NO EVENT WILL QUICKEX OR ANY OF ITS AGENTS BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. THE PRECEDENT DISCLAIMER OF LIABILITY WILL NOT LIMIT THE LIABILITY OF QUICKEX OR ITS AGENTS FOR THE DAMAGES RESULTING FROM THE SERIOUS NEGLIGENCE OR PAINFUL CONDUCT OF QUICKEX OR ITS AGENTS IN THOSE JURISDICTIONS WHERE SUCH LIMITATION OF LIABILITY RESULTS NULL. DATA PROTECTION –

Your personal information (“Information”) is processed in accordance with applicable laws and is controlled by Quickex. Quickex uses the information provided in the money transfer or payment service instruction, along with other personal data obtained or generated during the course of its relationship with Quickex, emerging from the transaction information and loyalty program, transaction history and Marketing preferences, in order to provide the requested services including: administration, customer service, Payment confirmation, user validation, fraud prevention, product development / commercial development and other activities. Your information may also be used in connection with other services, products, commercial communications, convenience and / or award programs of Quickex or its affiliates to which you have joined. If you choose to provide your landline number, cell phone number and / or email address in the preceding optional entries, you are also giving your express consent to receive such commercial communications and / or notifications about the payment of the transfer in the indicated medium (telephone / SMS / E-mail / MMS), and you accept that any charges imposed by the relevant service providers will be your sole responsibility. If you do not wish to receive Marketing communications, Please contact Quickex in the manner indicated below. Quickex will retain and retain the information provided by the Sender about third parties, including details about the Beneficiary of the money transfer or the payment service (“Third Party Information”) in order to carry out the transaction. The provision of your information and that of the third party is voluntary but necessary (subject to the provisions set forth in this paragraph) to carry out the transaction. Without the relevant information and Third Party Information, Quickex cannot execute the money transfer or payment service, facilitate convenience activities or other requested services. You consent to Quickex disclosing or transferring your information and Third Party Information to other persons, Agents or others, to the extent reasonably required for the purposes indicated in these Terms and Conditions, and to carry out the transfer of money, payment service, facilitate future transactions, for verification purposes, to help Quickex understand and improve its products and services offered or to complement your information with data from publicly available sources. Quickex may also disclose information to third parties, when reasonably necessary, for the purpose of crime prevention and detection, prosecution of criminals, for national security purposes or when required by law. Your information may be accessed by Quickex and our affiliates, and all other Quickex entities, for any of the purposes set forth in these Terms and Conditions. Quickex retains information, Sender’s Marketing preferences and transaction history based on our record retention programs for a period not longer than necessary, for the purposes for which the data was obtained and in compliance with applicable laws.

If the Sender does not make another transaction within the established retention period, the Sender information as well as the Marketing preferences will be deleted. You have the right to access and request a copy of your information for which Quickex reserves the right to charge a small sum to the extent permitted by applicable law. You can also correct, delete or block information that is incomplete, inaccurate or outdated. You may also object – at any time and with legitimate grounds related to your particular situation – the processing of your information, when such processing is not required to complete the service, by a law or regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Quickex, please contact Quickex using + 56-2-224053896 during normal business hours. The Quickex® service is offered by VAGON INVESTMENTS SpA, through a network of authorized Agents and representatives. Please contact Quickex using + 56-2-224053896 during normal business hours. The Quickex® service is offered by VAGON INVESTMENTS SpA, through a network of authorized Agents and representatives. Please contact Quickex using + 56-2-224053896 during normal business hours. The Quickex® service is offered by VAGON INVESTMENTS SpA, through a network of authorized Agents and representatives.