Last update: January 2026

INTRODUCTION

Capital College LLC is an American company with EIN number 88-3202567 and registered office in Delaware, 16192 Coastal Highway, Lewes, Delaware 19958, County of Sussex, incorporated indefinitely by Harvard Business Services, Inc. on July 7, 2022 (hereinafter referred to as “Remeza”).

The following Terms and Conditions establish the provisions and rules to which any individual or person (hereinafter referred to as “User”) who decides to interact with Remeza must be bound. The User will not be exempt from liability if he or she fails to comply with them.

DEFINITIONS

For the convenience of the User and for the purposes conducive to this Contract, Remeza provides the pertinent definitions of the following concepts, which will appear later in this document. The following words must be interpreted as defined in this section. For differentiation purposes, the terms defined hereinafter will be described with the first letter in capital letters and only when used with said format should they be interpreted as such.

The defined terms will be used regardless of the gender or grammatical number with which they are expressed, without affecting its meaning, and the meaning given to it in this Contract must prevail.

“Privacy Notice and cookie policy”: It is the Privacy Notice and cookie policy regarding the collection and use of personal data that is collected by Remeza through the Platforms.

“Code”: Refers to a set of elements that are combined following certain rules and that are used to identify a user with a third party.

“Content”: Refers to any multimedia component and/or information consisting, but not limited to, of texts, graphics, photographs, logos, audio, video, brands, images, databases, as well as graphic design, source code and software. that are property of Remeza.

“Contract”: It is the total agreement between Remeza and the User regarding these Terms and Conditions and the Privacy Notice and cookie policy.

“Download”: Refers to any voluntary computer operation that involves the transfer of online Information to an electronic device.

“Elements”: Refers to any multimedia component and/or information consisting, but not limited to, of texts, graphics, photographs, logos, audio, video, brands, images, databases, as well as graphic design, source code, including any program connected by hypertext or links and software, which are property of third parties.

“Company”: Refers to an economic-social unit, made up of human, material and technical elements, which has a pre-negotiated Contract with Remeza.

“Individual”: It is the User’s Entry Form that does not have an Entry Code.

“Institution”: Refers to a supplier that has a pre-negotiated Contract with Remeza.

“User Profile”: It is the profile through which the User uses the Platform and the Services.

“Payment Platform”: It is the electronic payment system that facilitates the acceptance of payments for online transactions over the Internet.

“Platforms”: It is the domain www.remeza.app or any other subdomain, domain linked or redirected to it and/or mobile application compatible with the Android and iOS operating system, which allows access to the Platforms.

“Services”: Means the virtual money management services provided by Remeza in favor of the User, through the Platforms and without intermediation or human interaction on the part of Remeza, being only through the User’s own decisions.

“Subscription”: It is a model in which the User has the right to a series of Services and benefits, after recurring and automatic payment of a package or service offered by Remeza; They can be charged monthly or annually.

“Third parties”: Any third party that has a commercial relationship directly or indirectly with Remeza, such as sponsors, advertisers, service providers, business partners, etc.

“Terms and Conditions”: This agreement of wills between Remeza and the User means.

“User”: That natural person, who uses the Platforms and the Services offered therein. In the case of minors, they must use the Application with the authorization of their parents, guardians or person who exercises parental authority over them as indicated below.

“Remedy”: It is the Company that owns the registered trademark and the Platforms.

RECORD

In order to use Remeza it is necessary to register. Registration and use of Remeza will not be possible without acceptance of these Terms and Conditions. When registering and/or using the Services, enable push notifications, access, browse and/or use the domain www.remeza.app or any other subdomain, domain linked or redirected to it and/or mobile application compatible with the Android and iOS operating system, which allows access to the Remeza Platforms (hereinafter the Platforms), the User accepts the delivery of advertising and promotions and constitutes unequivocally and immediately, tacit consent regarding the use of the Platforms, under the use of these Terms and Conditions (hereinafter the Contract).

Likewise, the user acknowledges having read and accepted the Privacy Notice and cookie policy applicable to the processing of their personal data, located within the Platforms.

Remeza is a financial technology company, not a bank. However, we offer banking services through our partnership with FDIC member banks. Users are not insured directly by the FDIC, but through indirect coverage provided by our partner banks, which is subject to proper titling, registration and custody agreements. Any mention of banking services refers solely to our collaborations with financial institutions, and the User’s relationship with such institutions is subject to their own terms and conditions (the services).

WARNING

The user acknowledges and understands that Remeza, the Platforms and their content, show information collected from the servers of our suppliers and are solely and exclusively executors of the User’s decisions.

If the User considers that they have made any movement to their account without their consent, they are recommended to contact +1 (773) 263 1785 immediately or write to us at hola@remeza.app.

Remeza only executes orders from the User’s app under the understanding that there is the User’s full consent.

ACCESS CONDITIONS

In accordance with the laws of Mexico, Spain, the United States of America and Canada, the use of any of the services provided by Remeza is applicable only to persons over 18 (eighteen) years of age. Derived from the foregoing, the User declares, under oath of truth, that upon acceptance of this Contract he or she is over 18 (eighteen) years of age and has sufficient capacity to understand and accept this Contract.

In the event that the User is under 18 (eighteen) years of age, Remeza understands that he or she has the express consent of his or her parents or guardians, with the understanding that under no circumstances can Remeza interact with minors under 18 (eighteen) years of age. Therefore, Users are requested that if they are minors and do not have the authorization of their parents or legal guardians, or, if they are under 18 (eighteen) years of age, they refrain from using the Platforms.

USE OF THE PLATFORM

The User undertakes to use the Platforms in accordance with this Contract in a diligent, correct and lawful manner and in accordance with morality and good customs. The User will be liable for damages of any kind that Remeza may suffer, directly or indirectly, as a result of non-compliance with any of the obligations derived from this Contract.

From time to time Remeza may modify its service offering, including its costs. For the information of Users, prices will be set on the relevant pages of the Platforms and/or Remeza and may be modified at any time by publishing the new prices on the Platforms and/or on www.remeza.app.

Remeza reserves the right to make at any time and without prior notice any modifications it deems appropriate to the Platforms and/or this Contract, modifying or updating the prices, contents, configuration, services and any aspect of the Platforms. The User is responsible for keeping the Platforms updated for their correct use.

The User will have access to and be able to view the Services provided by Remeza as long as they are active. Access does not allow group or institutional use of the contents of the Platforms. If required, the User must contact Remeza in order to obtain the corresponding license and access.

The Subscription to the Services offered by Remeza will remain active as long as the User does not cancel said Service, the payment is rejected by the internal collection services Remeza has ceased its operations or Remeza has detected inappropriate use of the platform by the User or simply because the User has stopped using the Platform for a period of 6 (six) consecutive months. To use the Remeza Services, the User must have internet access and a device capable of browsing the Remeza Platforms.

Any charges incurred by the User in connection with the use of the Remeza Services, such as payment for Services, taxes and possible transaction fees (if applicable), will be deducted from the User’s account balance.

Remeza informs the User that, derived from the Services provided, the payments incurred by the User are non-refundable, so no refunds, discounts or credit will be granted for transactions executed or for Services not used or used. partially by the User.

Remeza reserves the right to modify the price of the Services from time to time without prior notice. Any modification in prices or plans (if applicable) will be reflected in the system immediately. For service, Remeza may give prior notice without this representing any commitment to Remeza.

In the event that any clause or part of it is considered unenforceable or declared null or invalid in accordance with applicable law, it will be replaced by a term or condition that is valid and that can fulfill the objective of the clause or part not enforceable or that has been declared null or invalid. The other Contracts will continue in full force. Any right that has not been expressly conferred in this document is understood to be reserved to Remeza.

In the event of non-compliance with any of the obligations of this Contract, as well as the applicable legislation, Remeza may suspend access to the Platforms or delete the User’s profile; without prejudice to the legal actions available in favor of Remeza in the event that any conduct of the User causes damage or harm.

The use of the Platforms by the User after updates and/or modifications will be understood as acceptance of the changes.

CODES OF INSTITUTIONS AND COMPANIES

The User who enters a Code in their profile must observe the following rules:

• The User will provide personal information to Remeza regarding the Institution or Company that provided the Code
• The User accepts that Remeza may share information with the Institution or Company that provided the Code.
• The User accepts that, by entering through a Code, they may receive specific notifications from the Company or Institution that provided the Code.

The Services offered through the Platforms, unless a different form is indicated for particular cases, can only be paid through the Platforms as deductions from the balance in the User’s account.

The payment methods available will depend on the terms and conditions of the Platforms.

All Services offered by Remeza will have the prices shown on the Platforms. With any transaction that the User makes, it will be understood that the latter authorizes Remeza to charge the corresponding User accounts.

For Remeza to execute any of the Services offered by Remeza, the User must answer a form and follow the instructions indicated on the Platforms. It is important that the User indicates the data requested in the corresponding forms as accurately as possible, to avoid confusion or incidents in transactions.

The User may unsubscribe from Remeza by calling +1 (773) 263 1785 or sending us an email to hola@remeza.app and following the instructions for the modification, the protection of the information and cancellation of the system.

PRIVACY AND COOKIES

Remeza takes the privacy and protection of data, as well as security measures, very seriously, which is why it makes the Privacy Notice and cookie policy available at www.remeza.app.

If the User continues using the Platform, they will be considered to have accepted the Contract established here, including the Privacy Notice and applicable cookie policy.

The User, by accepting this agreement, states that:

• Acts under his own name;
• Provided true, accurate and complete information to Remeza. Any personal information provided by Users will be treated with the greatest security in accordance with our Privacy Notice and cookie policy.

The Remeza Services will be provided to Users without discrimination, with the understanding that Users have successfully passed the corresponding KYB and KYC processes of our suppliers.

To guarantee the correct provision of the Services, the User must generate a User Profile and answer the questions asked through the Platforms. The User undertakes to provide true information that corresponds to reality in their responses and authorize the necessary and sufficient access on their mobile device and/or tablet for the use of the Platforms.

The User declares that the data provided to Remeza is real, precise and corresponds to reality and current events, so Remeza accepts it as true and will not be responsible for any false data entered by the User.

The User must keep their telephone number and email current and functional at all times since they indicate said account as the official means of communication for any notification by Remeza regarding the Contract and monitoring of the Services, understanding that, by the simple fact of receiving it on your email server will be understood as actually received and accepted without the need for you to read said email or not.

Remeza cannot guarantee the identity of registered Users, therefore, it is not and will not be responsible for the use of the identity of a registered User by third parties. The User undertakes to inform Remeza of the theft, disclosure or loss of their password or username, immediately communicating it to the following email: hola@remeza.app.

The User agrees to keep their password secure and confidential and not to allow any other person to use their email address or password or mobile phone to access the Platforms, not to do anything that helps someone who is not a registered User to access to any security zone of the Platforms, and, do not create additional registration accounts in order to abuse the functionality of the Platforms, or other Users, or to try to impersonate another User or to transact with other Users or Receivers of transactions to exceed established transactional limits. If you believe that someone else has access to your account, please let us know immediately so that we can block your account as soon as possible.

The User is responsible for maintaining the confidentiality of their account credentials and all activities carried out under their own account.

The User is responsible for the use made of their User and/or passwords. The User undertakes to immediately and reliably notify Remeza of any unauthorized use of their User account, and to hold them harmless in the event that this causes any damage to Remeza and/or third parties.

SERVICES NOT INCLUDED

Neither the Services nor the Platforms include or provide services that are not found on the Platforms, so the User understands and accepts the Platforms, are of an informative and execution nature, with the understanding that they were not designed for any other reason.

At any time, Remeza may restrict the use of the Platforms to the User and/or prohibit access and use of it.

Within the Platforms, the User will find contact information. The User understands and accepts that within the app there will be human interaction exclusively on the part of the User and at no time on the part of Remeza, therefore, the User releases Remeza from any obligation and/or responsibility regarding its decisions and executions.

SERVICE INTERRUPTION

Remeza reserves the right to discontinue one or more Remeza Products if necessary to comply with changes in legislation or technical or safety requirements, as well as to reflect changes in our company and product strategy and respond to the market. and to the competition. All users will be notified reasonably in advance of the interruption. During this period, the following two limitations will apply:

• The app may not be downloadable on another device.
• Remeza will not update the Platforms or the Website during this period for any purpose other than security and compliance with the contract. This means that if your device’s operating system is updated or another relevant third-party technical service is modified during this period, you may not be able to use the services that Remeza offers. Remeza is not responsible for this situation.

LEGAL RESERVE

The User does not reserve or exercise any action of any nature against Remeza, its partners, shareholders, employees, attorneys and collaborators, affiliated and/or subsidiary companies, or any other member of Remeza, as well as business partners and suppliers, that could arise directly or indirectly from any risk that may be suffered or may occur to the User or the people who interact with the Platforms.

The User undertakes to hold Remeza, its directors, employees, shareholders, subsidiaries, affiliates, agents and licensors harmless from any damage that the User may suffer from any matter related to the Services offered by Remeza.

The User agrees and undertakes not to attempt to damage, compromise the security of the Platforms or the data of other Users, deny service, hack, crack, reverse engineer, or interfere (collectively, “Interfere”) with the Platforms of no way.

The User accepts and agrees not to launder money, finance terrorism, threaten, harass, annoy, phishing, transmit malware, send Spam, or interfere (collectively, “Interfer”) through the Platforms in any way.

The User agrees and agrees not to attempt to access, interfere with, or use another User’s account without their authorization.

Likewise, the User acknowledges that it is prohibited to access the Platforms for the purposes of copying Remeza’s processes and methods. If in any way it interferes with the Platforms or carries out any prohibited activity, the User agrees to pay all damages caused to Remeza. Remeza will cooperate with the authorities in the prosecution of any User who interferes with the Platforms, carries out any prohibited activity or attempts to commit fraud against Remeza or any other party through the use of the Platforms or the services provided through it. Remeza reserves the right to deny some or all access to the Platforms or the service to any User for any reason, at any time, at our discretion.The User agrees that we may block their IP address or addresses at any time and at our discretion to not allow continued use of the Platforms. Remeza reserves the right to take any action deemed appropriate in our sole discretion with respect to violations or performance of the terms of this Agreement, and expressly reserves all rights and remedies available to Us at law or in equity.

The User undertakes to remove Remeza in peace and safety for any claim, complaint, demand, complaint or procedure of any kind derived from non-compliance, and must compensate Remeza for all expenses incurred for its defense, including, but not limited to, attorneys’ fees, as well as any type of compensation paid by Remeza.

For any comments or suggestions, Remeza makes the following email address available to the User: hola@remeza.app.

Any comment, suggestion, proposal, study, offer or in general any type of information that the User sends through emails, telephone numbers and/or any other means of communication, will not imply the acceptance of Remeza, of any type of commitment. or obligation of Remeza towards the User.

This Contract will be valid from the moment of acceptance by the User, and until the User decides to stop using the Platforms, or Remeza cancels the User for any reason.

Remeza will not be responsible for damages of any kind, including without limitation special or consequential damages, arising from access or inability to access the Platforms, as well as its use or dependence on or the information contained in the Platforms.

At any time Remeza may change any aspect of the Services or even stop them, and may also cancel or restrict the license at its sole discretion. Additionally, Remeza is not, nor will it be responsible for the use of Internet sites that the User can access through links contained in the Platforms. These links and other resources referred to are provided solely as a service to Users of the “Word Wide Web” and their inclusion on the Platforms does not constitute an endorsement of, or affiliation with, Remeza.

This Contract may undergo modifications, changes or updates derived from new legal requirements; of our own needs for the products or Services we offer; of our privacy practices; of changes in our business model, or for other reasons.

We undertake to keep you informed about any changes that this Contract may undergo, through updates to the notice published directly on the Remeza Platforms or on www.remeza.app.

Both Remeza and the User agree that the titles that have been assigned to each of the sections contained in this document are established solely for their convenience, and that they should not be considered in the interpretation of this document. Contract.

Therefore, you acknowledge and accept that this Contract will be concluded electronically, in accordance with the electronic contracting rules indicated in the Commercial Code, which will be binding and therefore this Contract constitutes an agreement of wills and binding for both parties.

If the user uses the services of the Platforms, it means that they have read, understood and consented to the terms set forth above. To resolve any questions in this regard and any reference, you can contact us by email: hola@remeza.app.

USE OF LICENSES

Remeza hereby grants the User a limited, non-exclusive, non-transferable, revocable license for personal, non-commercial use and without the right to sublicense, for the latter to use the Platforms in accordance with this Agreement. This license will be in force until the relationship between Remeza and the User is maintained, or until it is canceled by Remeza. In the event that, in accordance with the legislation, it is necessary to establish a validity period for the license granted by Remeza, it will be valid for 1 (one) year, automatically renewable for periods of the same duration until it is canceled or well when the relationship between Remeza and the User ends due to any circumstance.

In light of the above, the User is expressly prohibited from selling, renting, allowing access to third parties, redistributing and/or transferring the content of the Platforms.

In the event that Remeza uses any type of third-party software included in the Platforms, it is provided to the User in accordance with the use licenses, terms and conditions, as well as restrictions established by its owner.

Remeza is responsible for operating, maintaining, presenting the information and content of the Platforms; However, said content may come not only from Remeza but from Third Party sites, therefore, Remeza is solely responsible for its own operation and content, so, with respect to third party content, its responsibility is limited to presenting the contents “as is” provided to you.

In addition, the Platforms have been created for the operation and development of the Services offered by Remeza and serve as a tool to complete the services provided to Users, as well as to inform Users about the details of any type of commercial or promotional activity. of Remeza Services and Programs.

For quality service purposes of the Platforms, Remeza may allow one or more links to other websites from time to time. The Internet pages accessible on this website are not under the control of Remeza.

Remeza is not responsible for the content of any Internet web page or mobile application linked to the Platforms including those related to the User’s social networks, or for any potential damage arising from or in connection with the use of such links.

Some services that are offered or may be offered through the Platforms may also contain particular terms that are specific to such services and, therefore, additional to these.

The User expressly understands and agrees that the use of the Platforms is at his or her own risk and under his or her exclusive and strict responsibility. Remeza does not make any representation or grant express guarantee about the veracity, punctuality, suitability, reliability, availability, timeliness, security or continuity of the operation and functioning of the Services and contents of the Platforms, as well as the information, advertising, marketing and promotions of Third Party Advertisers, nor about the absence of viruses or other harmful components, accuracy, usefulness of the contents and/or services of the Platforms.

The contents and/or services of the Platforms are provided “as is” without warranty of any kind. The User accepts that Remeza, its subsidiaries, affiliated companies, directors and employees will not be responsible, to the extent permitted by applicable laws, for any liability for damages of any nature against the User or third parties, including damages. and damages caused by: a) loss of use, money in account, data or Benefits derived from or related to the use or execution of the sites, content or services of the Platforms, b) the delay or impossibility of being able to use the sites, content or services of the Platforms c) due to the non-provision of services,or compliance with offers and promotions from Third Party Advertisers or compliance with any other information not related to Remeza.

The intellectual property rights of the services and content found within the Platforms (by way of example, but not limited to: brands, slogans, images, sound, video, software, etc.), are the exclusive property of Remeza. Intellectual property rights refer to all trademarks registered and/or used in the United States of America or abroad, as well as all rights to inventions (patented or not), industrial designs, utility models, confidential information, names commercials, commercial notices, reservations of rights, domain names, as well as all types of economic rights over works and creations due to copyright and other forms of industrial or intellectual property recognized or recognized by the corresponding laws.

If the User considers that the Platforms violate or violate in any way the intellectual property rights of third parties, they must notify Remeza, at the address indicated in this Contract, accompanying all the information in this regard.

All information disclosed by Remeza, its affiliates and/or subsidiaries, verbally, electronically, visually, in writing or in any other tangible form, including without limitation ideas, formulas, databases, standards, articles, studies, brochures, publications, manuals, systems, procedures, reports, technical reports, minutes, know-how, industrial secrets, patents, copyrights, software, licenses, data, inventions, algorithms, techniques, processes, marketing plans and projects, advertising, strategies, forecasts, confidential information of third parties, lists of clients, contacts and/or suppliers, business plans, market analysis, market knowledge or any other technical, economic, relative or related information with operations, business development, product development,development of new projects, finance, marketing, advertising, commercial promotions, logistics, promotional exchange operations or all information whose disclosure and exhibition, business or any other nature is and will remain at all times the property of Remeza, for which the User does not acquire any type of right, license, property or interest with respect to it, to copy, sell, use or dispose of it in any way, expressly and exclusively limiting itself to using it for the purposes indicated by Remeza.therefore, the User does not acquire any type of right, license, property or interest with respect to it, to copy, sell, use or dispose of it in any way, expressly and exclusively limiting himself to using it for the purposes indicated by Remeza.therefore, the User does not acquire any type of right, license, property or interest with respect to it, to copy, sell, use or dispose of it in any way, expressly and exclusively limiting himself to using it for the purposes indicated by Remeza.

The User undertakes not to seize, use or exploit, by himself or by third parties, directly or indirectly, for his own benefit or that of third parties and not to disclose or reveal to third parties the Confidential Information, to which he has had, has or will have access in the future. Likewise, the User undertakes to take all reasonable measures to avoid any prohibited dissemination and/or improper use of Confidential Information.

The User expressly acknowledges that the Confidential Information that Remeza has provided or that it provides in the future may also constitute an Industrial or Business Secret, under the terms of article 82 of the Industrial Property Law of Mexico, of Law 1/2019, of February 20, on Business Secrets of Spain, and/or its analogue in the applicable legal legislation of the place where the User is located, or law that replaces the current legislation, so it is obliged not to reveal or disseminate said Industrial or Business Secret, by any form or means and to be governed regarding this. The foregoing, without prejudice to the corresponding civil and/or criminal sanctions for violation of Intellectual Property Rights, including the crime of revealing secretsunfair competition and others related to the criminal legislation of Mexico, Spain, the United States of America and Canada.

JURISDICTION

In the event that the individual provisions of these Terms and Conditions are or become void, the remaining terms and conditions will continue to take effect.

These Terms and Conditions, as well as all contractual relationships and disputes between the User and Remeza, will be governed by US law, and will be submitted to the courts and tribunals of Delaware, USA.

DISCLOSURE OF THE US PATRIOT LAW.

Important information about the procedures regarding your account as a User:

To help the US government combat terrorist financing (CTF) and money laundering (AML) activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person with their account.

Remeza reaffirms its commitment to maintaining a firm stance against money laundering and terrorist financing. This contract reflects our dedication to conducting our operations with integrity and in compliance with the highest ethical standards. Remeza therefore complies with all relevant laws and regulations regarding prevention of money laundering (AML) and terrorist financing (CTF), including, but not limited to, all regulations applicable to financial transactions within the United States of America. America.

Remeza – together with its suppliers – have established a series of procedures:

1. Know Your Customer (KYC) Procedure

Remeza has established robust KYC procedures to verify the identity of its clients and evaluate the level of risk associated with each one. These procedures include:

• Collection of customer identification documents, including, but not limited to: their name, address, date of birth or other information that allows us to identify them. We may also ask you to show us a copy of your driver’s license or other identification documents.
• Carrying out due diligence processes on clients.
• Monitoring and periodic updating of customer information.

1. Transaction Monitoring

Remeza monitors all transactions carried out through its administrative processes to identify unusual or suspicious activities. This includes:

• Implementation of automated transaction monitoring systems.
• Training employees to identify warning signs of suspicious activity.
• Periodic review of transaction records.

III. Suspicious Activities Report

Remeza is required to immediately report any suspicious activity or transaction to the designated compliance officer. This includes:

• Unusual transaction patterns.
• Transactions involving high-risk jurisdictions.
• Transactions that are not consistent with the client’s known legitimate business activity.

1. Conservation of Records

Remeza maintains accurate records of all transactions and interactions with customers as required by law. Such records include:

• Transaction records.
• Customer identification documents.
• Correspondence with clients.

1. Training and Awareness

Remeza provides regular training and awareness programs to all employees regarding their obligations under this AML policy. This includes:

• Training to recognize and report suspicious activities.
• Updates on changes to AML regulations and procedures.
• Assessments to ensure employees understand their responsibilities.

SAW. Don’t Retaliate

Remeza prohibits any retaliation against employees who report suspicious activity in good faith. Any act of retaliation will be investigated and addressed immediately.

User agreements

We use some outsourced services to be able to offer you the best service.

1. User agreement
   2. MSB registration

DISPUTE POLICY AND PROCEDURES UNDER REGULATION E

Regulation E, issued by the Consumer Financial Protection Bureau (CFPB), establishes consumer protections in relation to electronic fund transfers.

An EFT is any transfer of funds initiated by electronic means, including, but not limited to, ATMs, point-of-sale (POS) terminals, and online banking services.

To dispute an unauthorized or erroneous electronic transfer of funds, users must notify us as soon as possible by contacting our customer service team at +1 (773) 263 1785 or writing us an email at hola@remeza.app.

Users have 15 (fifteen) days from the date of the electronic transfer of funds in question to file a dispute.

1. RESEARCH PROCESS
2. Timely Research:
   Upon receipt of the dispute notification, we will promptly investigate the claim and, if appropriate, provide provisional credit to the user’s account within 7 (seven) daysskillful.
3. Documentation
   Users may be required to provide documentation or evidence to support their claim, including proof of transactions, account statements or other relevant information.
4. Communication
   We will keep users informed about the status of the investigation of their dispute and about any action that has been taken from our institutional email hola@remeza.app.
5. RESOLUTION
6. Final Determination:
   We will issue a final determination regarding the dispute within 30 (thirty) daysbusiness after receipt of the dispute notification, unless there are exceptional circumstances that require an additional period.
7. Provisional Credit:
   If the dispute is resolved in favor of the user, any provisional credit granted will become permanent. If the dispute is not resolved in favor of the user, the provisional credit may be reversed and a fine of $15 (fifteen) dollarsfor clarification costs against the User.
8. CONSUMER RIGHTS
9. Error Resolution Rights:
   Users have rights under Regulation E to dispute unauthorized or erroneous electronic transfers of funds, including the right to timely investigation and resolution.

This Policy does not waive or limit any rights granted to consumers under Regulation E.