$2,000 US-to-India Transfer Credit Program — Terms and Conditions

Effective Date: 08/19/2026
Promotion End Date: December 31, 2026, at 11:59 p.m. Pacific Time, unless ended earlier by REMIT2ANY INC (“Company”), where permitted by law.

By selecting, applying, or redeeming the $2,000 Transfer Credit (“Transfer Credit”), you agree to these Terms and Conditions, the Company’s User Agreement, Privacy Policy, applicable transfer terms, and all applicable laws and regulations.

1. Program Description

The Transfer Credit allows an eligible customer to receive a promotional transfer discount on eligible international remittance transfers sent from the United States to India.

The Transfer Credit applies only to a cumulative maximum of $2,000.00 USD of Eligible Transfer Amount during the Promotion Period. The Transfer Credit is not a deposit, stored value, cash, account balance, gift card, or money-transfer instrument.

The promotional discount rate (“Redemption Rate”) may range from 0.00% to 1.00% of the Eligible Transfer Amount. The Redemption Rate is determined by the Company and may change from month to month based on market conditions, including exchange-rate fluctuations and other commercial factors.

The applicable Redemption Rate for a transfer will be displayed in the app or other approved transaction flow before you authorize the transfer. A displayed Redemption Rate of 0.00% means that no Transfer Credit discount is available for that transfer.

2. Eligible Customers and Offer Tiers

2.1 Discretionary Eligibility

The Transfer Credit is a limited promotional offer. The Company may, in its sole discretion and to the extent permitted by applicable law, offer, withhold, limit, modify, suspend, or terminate the Transfer Credit for particular customers, customer groups, campaigns, time periods, transaction types, or other eligibility categories.

The Transfer Credit is not automatically available to every customer. Receipt of a prior Transfer Credit, promotional offer, email, advertisement, notification, or prior transaction does not guarantee eligibility for a current or future Transfer Credit.

2.2 Eligibility

The Company determines eligibility based on account standing, verification status, and other lawful criteria. A customer must meet all eligibility conditions communicated for the offer to redeem the Transfer Credit.

2.3 Offer Terms

The Redemption Rate and other offer terms displayed in the app or other approved transaction flow before you authorize a transfer are the terms that apply to that transfer. The Company may change these terms at any time, to the extent permitted by law.

2.4 Applicable Offer Controls

If more than one Transfer Credit offer, campaign, discount, promotional code, or Redemption Rate could apply to a customer, the Company may apply the offer that is displayed in the transaction flow or otherwise communicated as applicable to that customer. Unless the Company expressly states otherwise in writing, offers cannot be combined, stacked, transferred, substituted, or exchanged.

The Company may require a customer to enter a promotional code, access a personalized offer, satisfy a minimum or maximum transfer amount, complete a transfer within a specified period, or meet other conditions before the Transfer Credit is available.

2.5 Redemption Rate Display

The Company will disclose the specific Transfer Credit offer and the applicable Redemption Rate, if any, before the customer authorizes an eligible transfer. The rate displayed at that time is the rate applicable to that transfer, subject to successful completion of the transfer and continued satisfaction of these Terms.

A rate of 0.00% means no Transfer Credit discount is available for that transfer. A customer who is not shown an eligible offer, rate, or discount in the transaction flow is not eligible to receive a Transfer Credit for that transaction.

2.6 Eligibility Review and Disqualification

To receive or redeem a Transfer Credit, a customer must:

• Maintain an active Company account in good standing
• Complete identity verification and all required compliance checks
• Make an eligible U.S.-to-India Self-to-Self transfer to an eligible Self NRO Account
• Comply with the User Agreement, these Terms, and all applicable laws
• Meet the specific eligibility requirements applicable to the customer’s offer or cohort

The Company may determine that a customer is ineligible, delay a transfer, withhold a credit, cancel a discount, or remove a customer from a cohort based on fraud prevention, compliance, operational, legal, risk, account-security, or business considerations.

3. Eligible Transfers

The Transfer Credit may be redeemed only for an international transfer that meets all of the following requirements:

• The transfer is sent from the United States to India
• The sender and recipient are the same person (“Self-to-Self”)
• The recipient account is an eligible Self NRO Account in India
• The transfer is completed during the Promotion Period
• The transfer otherwise qualifies under the Company’s transaction, compliance, and operational rules

For purposes of these Terms, a “Self NRO Account” means an NRO account in India held in the same legal name as the sender, subject to the Company’s verification and compliance requirements.

4. Ineligible Transfers

The Transfer Credit and Redemption Rate do not apply to:

• Transfers to your own NRE account
• Transfers to another person’s bank account, including another person’s India, NRO, or NRE account
• Transfers to joint accounts unless the Company expressly confirms eligibility in writing before transfer authorization
• USD-to-USD transfers of any type
• Wallet-to-wallet transfers
• Wallet-to-bank transfers
• Bank-to-bank USD transfers
• Any transfer that does not involve a qualifying U.S.-to-India Self-to-Self transfer to an eligible Self NRO Account
• Cancelled, rejected, returned, reversed, refunded, disputed, or otherwise unsuccessful transfers
• Transfers made after the Promotion Period ends
• Transfers where the customer does not select or apply the Transfer Credit before authorizing the transaction, if the transaction flow requires selection

The Company’s determination of eligibility is final, subject to applicable law.

5. How the Discount Is Calculated

The discount is calculated as follows:

Transfer Discount = Eligible Transfer Amount × Applicable Redemption Rate

The total Eligible Transfer Amount that may receive a Transfer Credit discount is capped at $2,000.00 USD during the Promotion Period.

The maximum possible promotional discount is therefore $20.00 USD, calculated as $2,000.00 multiplied by the maximum Redemption Rate of 1.00%.

Example: If you send $1,500.00 USD in an eligible Self-to-Self transfer to your eligible Self NRO account, and the applicable Redemption Rate displayed before authorization is 0.75%, your discount is $11.25 USD. If you later send another eligible $500.00 USD transfer at a 1.00% Redemption Rate, your discount is $5.00 USD. Your $2,000.00 USD Transfer Credit eligibility would then be fully used.

Any portion of the Transfer Credit that is unused as of the end of the Promotion Period expires automatically. It has no cash value and will not be paid, refunded, exchanged, transferred, sold, assigned, or credited to a wallet, bank account, or other account.

6. Transaction Disclosures

Before you authorize an eligible transfer, the Company will display the transaction details, including the applicable exchange rate, fees, taxes if applicable, total amount you pay, amount to be transferred, amount the recipient is expected to receive, and the Transfer Credit discount, if any.

The Transfer Credit discount does not guarantee a particular exchange rate, amount received in Indian rupees, speed of delivery, transaction approval, or transfer completion. The exchange rate, fees, availability, and delivery time applicable to each transfer are those displayed in the required transaction disclosures before authorization.

7. No Cash Value; No Guarantee

The Transfer Credit is promotional only and has no independent monetary or cash value. It cannot be redeemed for cash, withdrawn, transferred, sold, gifted, assigned, or used for any purpose other than an eligible transfer under these Terms.

The availability of a Transfer Credit does not guarantee that any particular transfer will qualify, be approved, or be completed. All transfers remain subject to the Company’s compliance, risk, operational, partner-bank, and legal requirements.

8. Changes, Suspension, and Termination

To the extent permitted by law, the Company may modify the Redemption Rate, eligibility criteria, transaction limits, availability, or other program terms at any time. Changes will not alter the final disclosures for a transfer already authorized and accepted by the Company.

The Company may suspend or terminate the program before December 31, 2026, where reasonably necessary for legal, regulatory, security, fraud-prevention, operational, or business reasons. Any material program change will be communicated through the app, website, email, or another reasonable method.

9. Fraud and Misuse

The Transfer Credit is limited to its intended promotional purpose. The Company may disqualify any customer and cancel or reverse a promotional discount if the Company determines, in its reasonable discretion, that the customer has attempted to misuse the program, including through:

• Multiple accounts or identities
• False, inaccurate, or misleading information
• Transactions designed primarily to obtain a promotion rather than for a legitimate remittance purpose
• Circumvention of transfer, account, or eligibility limits
• Activity that violates the User Agreement, these Terms, or applicable law

Suspicious remittance activity may trigger enhanced review, delays, refusal, account restrictions, or reporting obligations. Money-services businesses have suspicious-activity reporting obligations in specified circumstances.

10. Other Terms

This offer may not be combined with another promotion, referral reward, coupon, discount, rate guarantee, or incentive unless the Company expressly permits it in writing.

These Terms do not change the Company’s User Agreement, remittance disclosures, error-resolution rights, privacy policy, or any rights that cannot be waived under applicable law. If there is a conflict, the required transaction disclosures and applicable law control with respect to the specific transfer.

For questions about the Transfer Credit, contact help@xpat.money