Pay4Me, Inc., d/b/a Radius, is a financial technology company, not a bank. Licensed financial institutions and other partners provide banking, Payment, collection, disbursement, and stablecoin services.
1. Scope and Application
1.1 This Agreement applies to every customer who uses the Service, wherever you are located. Some provisions apply only to some customers. Where that is the case, the provision is clearly labeled, and it applies only to the group named in the label. Everything not labeled applies to all customers.
1.2 Two labels are used in this Agreement:
[Applies to US Customers] means the provision applies only if you are a US Customer.
[Applies to Non-US Customers] means the provision applies only if you are a Non-US Customer.
1.3 Your Account Jurisdiction determines which provisions apply to you. Your “Account Jurisdiction” is the country in which your Radius account was set up, being the country whose identity verification, anti-money laundering, and customer protection requirements we applied when we onboarded and verified you, as recorded by Radius. Different countries impose different verification requirements and confer different customer protections, and your Account Jurisdiction determines which of them apply to your relationship with Radius.
1.4 You are a “US Customer” if your Account Jurisdiction is the United States. You are a “Non-US Customer” if your Account Jurisdiction is any country other than the United States. Your Account Jurisdiction applies to your account as a whole and to every Payment you make, and it does not change from one Payment to another. If your account was set up in Nigeria, for example, you are a Nigerian customer and a Non-US Customer, and the verification requirements and customer protections of your Account Jurisdiction apply to you, not those of the United States.
1.5 Our record of your Account Jurisdiction governs. We record your Account Jurisdiction when you are onboarded, and you can see it in the Application. That record determines your status under this Agreement, absent manifest error.
1.6 If your circumstances change. Your Account Jurisdiction does not automatically change when you move, travel, study abroad, or begin funding Payments from another country. You must notify us at support@withradius.com if you move to a different country. We may then require you to complete verification for your new country, migrate your account to a new Account Jurisdiction, apply different limits, restrict certain features, or, where we cannot lawfully serve you in that country, close your account and return your balance under Section 24.4. Until we confirm a migration, your existing Account Jurisdiction continues to apply.
1.7 Where the law says otherwise. Some laws confer rights on a person because of where they are located or where a Payment is sent from, regardless of where an account was set up. Where such a law applies to you, its rights apply to you, whatever your Account Jurisdiction, and this Agreement is read subject to them. Section 1.4 allocates the contractual provisions of this Agreement; it does not, and cannot, decide the reach of a mandatory law.
1.8 US Customers have rights under United States federal consumer financial law that this Agreement does not and cannot reduce. Those rights are set out in Section 16 and are labeled accordingly. Radius does not extend those specific rights to Non-US Customers under this Agreement, and nothing in this Agreement should be read as doing so. Non-US Customers have the protections conferred by the law of their own Account Jurisdiction, together with any rights that apply to them under Section 1.7.
1.9 Local law. You may have rights under the mandatory law of your country of residence that cannot be excluded or limited by the agreement. Nothing in this Agreement removes those rights, and where a provision of this Agreement conflicts with such a right, that provision applies to the fullest extent the law allows and no further. Except for those rights and the rights of US Customers in Section 16, this Agreement constitutes the entire obligation of Radius to you.
1.10 This Agreement is governed by the laws of the State of Delaware, and the arbitration provisions in Section 21 apply to all customers, wherever located.
2. Definitions in this Agreement
2.1 “You” and “your” refer to the person who downloads the Application, signs up for, or uses the Service.
2.2 “Radius”, “we”, “us” and “our” refer to Pay4Me, Inc., a Delaware corporation doing business as Radius, of 9751 West Chinden Boulevard, Suite 100, Garden City, ID 83714, United States. Pay4Me, Inc. is the entity with which you contract for the Application and the Service, wherever you are located, and regardless of any Radius-branded entity, subsidiary, affiliate, or service provider you may deal with in the course of using the Service.
2.3 “Application” means the Radius mobile applications, the Radius web application, and any successor or related interface we make available.
2.4 “Service” means the payment, collection, disbursement, wallet, USD Account, stablecoin, and related services we make available through the Application.
2.5 “Beneficiary” means the person or institution to whom you send a payment or money.
2.6 “Wallet” or “Radius Wallet” means the USD-denominated balance we make available to you within the Application, as described in Section 5.
2.7 “USD Account” means a United States Dollar receiving account, including any account number and routing details issued to you, made available through a Partner Provider as described in Section 6.
2.8 “Stablecoin” means a digital asset designed to maintain a stable value against the US Dollar that we or a Partner Provider may support from time to time.
2.9 “Other Currency Account” means any account, balance, or virtual account denominated in a currency other than US Dollars that we may make available to you through a Partner Provider, as described in Section 8.
2.10 “Payment Account” means the bank account, card, mobile money account, or other funding instrument you use to fund your Wallet or a Payment.
2.11 “Payment” means an instruction you give us to transfer, collect, disburse, convert, or pay out funds through the Service.
2.12 “Partner Provider” means any bank, licensed money transmitter, payment processor, card network, custodian, e-money issuer, stablecoin issuer, identity verification provider, or other party we engage or partner with to deliver any part of the Service.
2.13 “Group Entity” means Pay4Me, Inc. and any of its subsidiaries, affiliates, or entities under common control.
2.14 “US Customer”, “Non-US Customer” and “Account Jurisdiction” have the meanings given in Sections 1.3 and 1.4.
3. Acceptance of these Terms
3.1 By downloading the Application, creating an account, funding a WService using any part of the Service, you agree to this Agreement. If yServicece agree, do not use the SerService.2 You must be at least 18 years old and legally capable of entering intServiceceng contract to use the SerService.3 The following documents are incorporated into this Agreement by reference and form part of it: the Radius Privacy Policy, the Order Cancellation Policy, the KYC/AML Policy, and the Cookie Policy, each as published at withradius.com and amended from time to time. Where a conflict arises between this Agreement and any of those documents, this Agreement governs. Where a Partner Provider delivers any part of the Service, you may also be required to accept that Service’s own terms of service agreement, stablecoin terms, or privacy policy. Those terms apply to you in addition to this Agreement. Sections 6, 7, and 8 explain how that works.
4. Nature and Availability of the Service
4.1 You may use the Application only to send Payments to a Beneficiary located in a country where Radius provides payment service, as designated in the Application from time to time. Radius and its Partner Providers will process the payment and make funds available for receipt by the Beneficiary as described below.
4.2 Your use of the Application or the Service does not create a fiduciary, trust, or escrow relationship between you and Radius. Radius provides only a payment and wallet service. Funds you direct Radius to pay to your Beneficiary are not held by Radius as a deposit, and Radius is not holding or processing your Payments as a fiduciary. Radius’s only obligation is to facilitate Payments to your Beneficiary or to return the principal amount of the payment to you.
4.3 The Service is generally available 24 hours a day, 365 days a year, although there may be times when it is unavailable to you or your Beneficiary. Periods of unavailability may be caused by Radius actions, such as service periods when the service is taken offline for upgrades or improvements, or by events beyond our control, such as power outages, telecommunications failures, war or civil unrest, natural disasters, or acts of God.
4.4 Radius may, from time to time, set limits on the value of Payments you may send, individually and over any period, on the value of Payments any Beneficiary may receive, and on the balance you may hold in a Wallet or USD Account.
4.5 Radius may delay Payments to allow us to determine that your Payments comply with applicable laws, regulations, or Radius policies. Radius has the right, without notice to you, to refuse to accept or pay any Payment that we determine in our sole discretion may violate applicable laws, regulations, or our policies, including those intended to detect and prevent money laundering, terrorist financing, sanctions evasion, fraud, and other abuses of financial services. If we accept a Payment and then determine that it may violate any such law, regulation, or policy, we may hold the payment until the matter is resolved.
4.6 Availability of particular Radius products, features, and services varies by country and region and may change at any time.
5. Your Radius Wallet is Denominated in US Dollars
5.1 All Radius Wallets are denominated in United States Dollars (USD). Your Wallet balance is held, displayed, and accounted for in USD.
5.2 Unless we explicitly state otherwise at the time of a transaction, every transaction on your account is carried out in the currency of your Wallet. This includes Payments you send, funds you receive, fees and charges we apply, reversals, cancellations, and refunds. Where a Payment is funded in a currency other than USD or paid out in a currency other than USD, a currency conversion applies as described in Section 10.
5.3 A Radius Wallet is not a bank account, and Radius is not a bank. Balances shown in your Wallet correspond to funds held with or through one or more Partner Providers, including in pooled custodial or for-benefit-of accounts maintained at licensed financial institutions. Radius does not itself hold your funds on deposit.
5.4 Deposit insurance. Radius does not provide deposit insurance. Where a Partner Provider or its partner bank makes pass-through deposit insurance available in respect of funds held for you, that insurance is provided on the terms and conditions set by that institution, applies only in the event of the failure of the insured depository institution, does not protect against the failure of Radius or of any non-bank Partner Provider, and is subject to that institution’s recordkeeping and eligibility requirements. Stablecoin balances are not deposits and are not covered by deposit insurance of any kind.
5.5 Wallet balances do not earn interest, and you are not entitled to any yield, return, or share of any income Radius or a Partner Provider may earn on funds held.
5.6 We may convert, restrict, suspend, or close a Wallet where required by law, by a Partner Provider, by a card network or banking partner, or where we reasonably suspect fraud, sanctions exposure, or breach of this Agreement. Where we close a Wallet holding a positive balance, we will return the balance to you by a method reasonably available to us, subject to applicable law and to Section 17.
5.7 Where you previously held a balance denominated in a currency other than USD, and that balance was converted to USD as part of our transition to USD-denominated Wallets, the conversion was carried out at the rate applicable at the time of conversion. Continued use of the Service after that conversion constitutes acceptance of the USD denomination of your Wallet.
6. USD Accounts, Partner Providers, and Stablecoins
6.1 USD Accounts are optional. Your Radius Wallet operates whether or not you open a USD Account or hold Stablecoins. You are not required to use either.
6.2 USD Accounts are provided by Partner Providers, not by Radius. Where you elect to open a USD Account, that account, and any account and routing details issued to you, are made available through one or more licensed financial institutions and payment infrastructure providers with whom we partner. We may add, change, or replace Partner Providers at any time, including for a particular market, product, or user, and we are not obliged to give you advance notice of a change of provider except where applicable law or the provider’s own terms require it. You may request the identity of the Partner Provider currently servicing your account by writing to support@withradius.com.
6.3 You must accept the Partner Provider’s terms. Opening or using a USD Account requires you to be onboarded and verified by the Partner Provider and, where the Partner Provider requires it, to accept that provider’s user terms, stablecoin terms, privacy policy, electronic communications consent, and fee disclosures directly. Electing to open and use a USD Account constitutes your acceptance of those terms. You should read them before proceeding. Radius is not a party to that agreement and is not responsible for the Partner Provider’s performance under it, except where this Agreement expressly says otherwise or applicable law requires otherwise.
6.4 A Partner Provider may decline to onboard you, may impose its own limits and verification requirements, and may independently decline, delay, freeze, or reverse a transaction in accordance with its own policies and legal obligations. Where that happens and we are permitted to tell you, we will.
6.5 A Partner Provider’s terms may specify a governing law and a dispute resolution mechanism different from those in Sections 20 and 21 of this Agreement. Those provisions govern your relationship with that provider in respect of the account or service it provides. Sections 20 and 21 continue to govern your relationship with Radius.
6.6 Stablecoins. Where we make Stablecoin functionality available, and you elect to receive, hold, send, convert, or redeem a Stablecoin provided by a Partner Provider, the following apply:
Radius does not issue, mint, or redeem Stablecoins. The issuer of the Stablecoin, and where relevant the Partner Provider, is responsible for issuance, reserves, and redemption on the terms it publishes.
Stablecoins are not legal tender, are not currency issued by any government, are not deposits, and are not insured by the Federal Deposit Insurance Corporation or any other deposit insurance scheme.
A Stablecoin is designed to maintain a stable value relative to the US Dollar, but its value on third-party platforms and secondary markets may fluctuate above or below that value. Radius does not guarantee that any Stablecoin can be redeemed or converted at par.
Blockchain transfers are irreversible. Sending a Stablecoin to an incorrect address, on an unsupported blockchain network, or below any published minimum may result in the permanent and irrecoverable loss of those funds. Radius cannot recover them. The supported assets, networks, and minimums are published in the Application and may change.
The issuer of a Stablecoin or a Partner Provider may freeze, blacklist, or burn Stablecoins associated with an address where required by law or by its compliance policies, and you may lose the entirety of the affected balance.
Where Stablecoins you receive are converted into USD and credited to your Wallet, the conversion is carried out at the rate and on the timing applied by the Partner Provider, and any applicable fee is disclosed in the Application before you proceed.
Where a Partner Provider makes a custodial cryptocurrency wallet available to you, you hold title to the digital assets in that wallet, and the Partner Provider acts as custodian and controls the private keys. Radius does not hold or control private keys on your behalf.
Digital assets are subject to regulatory, technological, and market risks outside the control of Radius, including changes in law that may restrict or prohibit their use in your jurisdiction.
6.7 Your election to use a USD Account or Stablecoin functionality may be withdrawn at any time by closing that account or ceasing to use that functionality, subject to the Partner Provider’s terms and to any balance being withdrawn or converted first.
7. Partner Providers, Collections, Disbursements, and Information Sharing
7.1 Radius supports collections and disbursements through Partner Providers. We do not provide every part of the Service ourselves, and we rely on regulated partners in each market to move, hold, collect, and disburse funds.
7.2 Each Partner Provider operates under its own terms, policies, and requirements, including its own privacy policy, acceptable use policy, identity verification requirements, transaction limits, cut-off times, and fees. Those terms may change independently of this Agreement.
7.3 Consent to share your information. By using the Service, you authorize Radius to collect, process, and share your personal information, account information, transaction information, and identity verification information with:
our Partner Providers, for the purpose of onboarding you, verifying your identity, opening and maintaining accounts, and executing, servicing, investigating, and settling your transactions;
our Group Entities, subsidiaries, and affiliates, for the purpose of providing, supporting, and improving the Service; and
regulators, law enforcement, auditors, and other parties, where required or permitted by applicable law.
You grant this authorization for as long as you use the Service and for any period afterward during which a Partner Provider or we are required to retain records by law. Our handling of your information is described in the Radius Privacy Policy at withradius.com/privacy-policy, which forms part of this Agreement.
7.4 Where required, you will be asked to accept a Partner Provider’s terms directly. In those cases, you enter into a separate agreement with that provider. You should read those terms before accepting them.
7.5 If you do not accept a Partner Provider’s terms where acceptance is required, we may be unable to provide you with all or part of the Service, including the ability to fund, hold, or disburse funds in a given market.
8. Other Currency Accounts
8.1 From time to time, we may make available accounts, balances, or virtual accounts denominated in a currency other than USD. These are Other Currency Accounts.
8.2 Other Currency Accounts are provided by, or through, a Partner Provider. Choosing to open and use an Other Currency Account constitutes your acceptance of the terms of service, privacy policy, and any other applicable policies of the provider of that account, in addition to this Agreement. Where those terms are presented to you in the Application or by the provider, you should read them before proceeding.
8.3 Where the terms of a provider of an Other Currency Account conflict with this Agreement in relation to that account, the provider’s terms govern that account, and this Agreement continues to govern your relationship with Radius and your Radius Wallet.
8.4 Availability of Other Currency Accounts varies by market, by user, and over time. We may withdraw, suspend, or change any Other Currency Account offering, and a Partner Provider may do the same, in each case subject to applicable law.
8.5 Unless we explicitly state otherwise, your Radius Wallet remains your default account for the purposes of Section 5.2, and any transaction not expressly tied to an Other Currency Account will be carried out in USD.
9. Authority to Charge Payment Account; Fees and Expenses
9.1 To use the Service, you must direct Radius through the Application to withdraw the principal value of the Payment from your Payment Account or your Wallet, plus any applicable charges. By requesting a Payment, you authorize Radius and its Partner Providers to charge your Payment Account or debit your Wallet for the principal amount of the requested Payment and applicable charges.
9.2 Radius has no obligation to process or complete a requested Payment where we are unable for any reason to obtain authorization or settlement of funds from your Payment Account, or where your Wallet balance is insufficient.
9.3 Radius will disclose its charges for providing the Service to you before you initiate a Payment. Our charges may change from time to time and may depend, among other factors, on the principal amount of your Payment, the type of Payment Account you use, your location, and your Beneficiary's location.
9.4 Where a currency conversion applies, Radius will also show you the applicable exchange rate before you send the Payment. Our exchange rates change from time to time. In addition to the charges you pay when sending a Payment, Radius makes money when we convert one currency into another.
9.5 Although Radius will pay the full principal amount of your Payment to your Beneficiary in the currency specified to you when you initiate it, your Beneficiary may incur costs, fees, or charges from their bank, mobile network operator, wallet issuer, or other parties in order to receive, maintain, or withdraw the funds. Those costs are outside our control.
9.6 A Partner Provider may apply its own fees to a USD Account or to a Stablecoin transaction. Those fees are disclosed by that provider and, where we are able to, we will surface them in the Application before you proceed.
9.7 If your Wallet goes into a negative balance for any reason, including a reversal, chargeback, or provider recall, you agree to repay that amount immediately and without demand.
9.8 Set-off and recovery. You grant Radius a right of set-off and a continuing security interest over all balances held in your Wallet, USD Account, and any Other Currency Account, for any amount you owe us. We may, without prior notice, debit any of those balances, deduct from any incoming or outgoing Payment, or charge your Payment Account, in order to recover any amount you owe us, including negative balances, reversed or recalled funds, chargebacks, fees, fines imposed on us by a card network, Partner Provider, or regulator in connection with your activity, and any amount paid to you in error.
9.9 Collection costs. If you fail to repay an amount you owe us, you are liable for our reasonable costs of collection, including collection agency fees, court costs, and reasonable attorneys’ fees, together with interest at the lesser of 1.5% per month or the maximum rate permitted by law, accruing from the date the amount became due. We may refer the debt to a collection agency and, where permitted by law, report it to consumer reporting agencies.
9.10 Chargebacks. Where you believe a Payment is incorrect, you agree to contact us first under Section 16 before initiating a chargeback, dispute, or reversal with your bank or card issuer. Initiating a chargeback in respect of a Payment that was correctly executed is a breach of this Agreement, and we may suspend your account, recover the disputed amount and any associated fee under Section 9.8, and charge a chargeback handling fee as disclosed in the Application.
9.11 Taxes. You are solely responsible for determining what taxes apply to your use of the Service and for reporting and paying them. Radius does not provide tax advice. Where we are required to withhold or report, you will provide the tax documentation we request, and we may withhold, delay, or decline a Payment until you do.
10. Foreign Exchange
10.1 Your Wallet is denominated in USD. Where you fund a Payment in another currency, or where a Payment is paid out to a Beneficiary in another currency, a currency conversion is required.
10.2 Where a currency conversion is required, Radius and its Partner Providers will convert the funds at the Radius exchange rate in effect at the time you initiate the Payment. Radius will disclose the exchange rate to you before you authorize the Payment. Our exchange rates vary over time and may differ depending on the principal amount of your Payment, the corridor, the funding method, and other factors.
10.3 Payments to Beneficiaries are generally made in the currency of the Beneficiary’s country. Where permitted by applicable law and supported by the Application, you may request that your Payment be paid in another currency approved and made available by Radius from time to time.
10.4 The Radius rate is a retail rate and includes a margin over the rate at which Radius or its providers obtain currency. It is not a mid-market or interbank rate.
11. Your Representations, Warranties, and Covenants; Reliance by Radius
11.1 Use care when entering information about your Beneficiary. Spell your Beneficiary’s name correctly, provide it in full, and verify that the account and reference details you have given us are correct.
11.2 You represent and warrant, on each occasion you use the Service, that:
all information you enter into the Application or otherwise provide to Radius is true, current, complete, and not misleading, including information about you, your Payment Account, and your Beneficiary;
you are the lawful owner of, and are authorized to use, every Payment Account you connect;
The funds you send are lawfully yours and are not the proceeds of any unlawful activity;
you are sending on your own behalf and not as agent, nominee, or intermediary for any other person;
you are not, and are not acting for, any person subject to sanctions under Section 15.1(e); and
your use of the Service complies with the law of every jurisdiction that applies to you, including any exchange control, tax, and reporting requirements; and
the country of residence you gave us when your account was set up was accurate at that time, and you have told us of any change under Section 1.6.
11.3 When processing a Payment, Radius may rely conclusively on the registration and Payment information you provide, without further investigation. Any error in that information, including misidentification of a Beneficiary, incorrect or inconsistent account names and numbers, wrong wallet addresses or blockchain networks, or misspellings, is your responsibility and is not an error by Radius.
11.4 Authorization to verify. You authorize Radius and its Partner Providers to obtain, verify, and record information about you from identity verification providers, sanctions and watch list databases, financial institutions, consumer reporting agencies, and other lawful sources, and to re-verify that information at any time while you use the Service.
11.5 No advice. Radius does not provide legal, tax, accounting, investment, or financial advice, and nothing in the Application or any communication from us should be relied upon as such. Exchange rates, timing, and product information are provided for your convenience and are not a recommendation. You are responsible for your own decisions.
11.6 No responsibility for institutions and beneficiaries. Radius is not responsible for the acts or omissions of any school, university, landlord, agent, or other Beneficiary, including a Beneficiary’s refusal to accept a Payment, its application of a Payment to the wrong account, its own fees, its deadlines, or its decision to issue or refuse a refund. Your relationship with the Beneficiary is separate from your relationship with Radius.
11.7 The representations and warranties in this Section survive the completion of any Payment and the termination of this Agreement.
12. Execution of a Payment
12.1 The Service is generally available 24 hours a day, 7 days a week, 365 days a year, subject to Section 4.3 and to the cut-off times and business hours of the relevant Partner Providers and banking systems.
12.2 Payouts to your Beneficiary generally begin once you originate a Payment, and you may be unable to stop or change it after that point. See Section 16 for cancellation and for how to report a problem.
12.3 If your transaction is not delivered accurately to the Beneficiary, we will contact you and keep you informed.
12.4 Processing speed. You may select your preferred processing speed when placing an order, where available.
Express Payments are processed within 24 hours on working days.
Regular Payments are processed within 1 to 3 working days.
Working days are Monday through Friday, excluding bank and public holidays in the relevant market. Processing times are targets, not guarantees, and depend on Partner Providers and banking systems outside our control.
13. Payment of Funds to the Beneficiary
13.1 Radius and its Partner Providers will arrange for payment to your Beneficiary. Radius reserves the right to select the form of payment to the Beneficiary. We will use reasonable efforts to provide payment in the requested form, but we are not obliged to offer any specific payment option.
13.2 Depending on the market and the availability of payment options, payment may be made by credit to a mobile wallet, cash, cheque, bank transfer, mobile money, money order, P2P wallet, stored value card, credit to a bank account or card account, or another payment instrument. Not all payment methods are available in all countries, and Radius reserves the right to change payment method options.
13.3 If a Beneficiary cannot be located and identified, the Payment may be returned to you by a credit to your Wallet or by another method available to us, subject to Section 5.2.
13.4 Radius may establish identification and verification requirements for a Beneficiary to receive a Payment. Radius may rely, without further investigation, on identification information or documentation provided by you or the Beneficiary, including any transaction code or reference. Radius may decline to pay a Beneficiary if we cannot verify their identity or if we believe you or your Beneficiary may be in breach of this Agreement or of any applicable law, regulation, or Radius policy. We are not obliged to establish any such requirements.
14. Refunds
14.1 Refund processing through Radius is a convenience offered to customers, not an entitlement. All refunds are subject to this Section regardless of amount or timing. Cancellation of orders before processing is governed by the Order Cancellation Policy; where that policy and this Section differ, this Section governs.
14.2 Refunds are paid in the currency of your Wallet. Unless we explicitly state otherwise, a refund will be credited to your USD Wallet in USD. Where funds are received by Radius in another currency, they will be converted at the prevailing Radius rate on the date Radius receives the funds from the institution, or on the date the refund is finalized, whichever applies.
14.3 Radius’s processing, service, urgent, and administrative charges on completed orders are non-refundable. Where a refund is approved, only the underlying principal amount actually received by Radius is eligible for refund, subject to applicable deductions.
14.4 Administrative fee. Refunds are subject to a 2.5% administrative fee covering operational, compliance, handling, and processing costs. Where you request a payout of a refund outside your Wallet, applicable bank charges also apply. Your bank may charge a separate fee to process the incoming transaction. That fee is outside Radius’s control and is at your own expense.
14.5 Processing timeline. Refund processing may take 10 to 30 business days from the date your institution notifies you that the funds have been successfully transferred to Radius. This reflects the nature of cross-border foreign exchange transactions, which involve multiple financial intermediaries and can take significant time to settle, as well as the time required to process your refund in compliance with applicable fund transfer regulations. We will notify you once your refund has been processed.
14.6 Notification requirements. You must notify Radius of any expected refund by email to support@withradius.com from the email address associated with your Radius account. The notification must include:
the Radius transaction ID associated with the original completed order; and
screenshots or PDF copies of any refund confirmation received from the Beneficiary.
Radius cannot begin tracking a refund with its partner banks until this information has been received. Delays in providing the required information may result in corresponding delays to the timeline in Section 14.5.
14.7 If you do not agree to these refund terms, you must arrange the refund directly with the originating institution or payee. Refund terms processed through Radius are non-negotiable.
14.8 Nothing in this Section limits any right you have under mandatory law that applies to you, including, for US Customers, any right of cancellation, error resolution, or refund under United States federal consumer financial law. Section 16 sets out how those rights and processes work for each group.
15. Permissible Payments
15.1 The Application is not intended for use by any person in any jurisdiction or country where such use would be contrary to law or regulation. Without limitation, you may not use the Service for any Payment:
induced by or involving the proceeds of crime, fraud, or other improper activity;
exceeding Radius transaction limits, whether in amount, frequency, or otherwise;
sent for gambling, including placing bets or paying winnings;
intended to be used in an escrow or similar capacity for delayed payment;
for the benefit of any country, organization, entity, or person subject to sanctions administered by the United States Office of Foreign Assets Control (OFAC) or by any other applicable sanctions authority, or by any person located in a jurisdiction subject to comprehensive sanctions;
which Radius determines is suspicious or may violate applicable law or regulation, including laws intended to detect and prevent money laundering, terrorist financing, human trafficking, or fraud, or to enforce currency or exchange controls.
15.2 You agree that you will only request Payments that comply with this Agreement, with applicable law in the country from which the Payment originates, and with applicable law in the country of the Beneficiary.
15.3 You may only use the Application to send Payments on your own behalf. You may not resell the Service or use the Application to make payments on behalf of, or as agent for, another person, unless we have agreed to that in writing.
15.4 You will provide information and documentation that Radius may request from time to time in order for Radius and its Partner Providers to comply with applicable law, including anti-money laundering, sanctions, and tax reporting requirements. This is set out further in the Radius KYC/AML Policy.
15.5 You may not interfere with, disrupt, reverse engineer, or attempt to gain unauthorized access to the Application or the Service, or use it to infringe the rights of any third party.
16. Rejection, Cancellation, and Resolution of Problems
Rejection of Payments — applies to all customers
16.1 Radius may reject your Payment, decline to complete a Payment request, or impose value or frequency limits on your use of the Service, without cause or prior notice. Without limiting that right, we may suspend, delay, or reject a Payment request if:
the value of one or more of your Payment requests exceeds the limits established by Radius;
we are unable to charge your Payment Account or debit sufficient funds from your Wallet;
your Payment request is incomplete or unclear;
we are unable to confirm your identity or verify registration or Beneficiary information;
we suspect fraud, irregularity, or illegality;
your name or your Beneficiary’s name is a possible match to a name on a sanctions or watch list maintained by a government, an inter-governmental body, or Radius; or
Radius or a Partner Provider is unable to fulfill the request for any reason.
16.2 If your Payment request is declined, we will notify you by SMS, email, in-app message, or another reasonable means.
16.3 If your Payment request is declined or rejected, Radius will return the principal amount to your Wallet in USD if it has already been debited, subject to Section 9.8. There may be circumstances in which the law requires us to hold the funds or pay them to another party, including a government agency. If that happens, we will inform you where we are permitted to do so.
16.4 General rule on cancellation. Payouts to your Beneficiary generally begin as soon as you authorize a Payment. Except as set out in Section 16.5, once a Payment has been submitted for processing, it cannot be canceled, amended, or recalled, and where you ask us to cancel before processing has begun, we will use reasonable efforts to do so, but do not guarantee that a cancellation can be effected. Cancellation before processing is otherwise governed by the Order Cancellation Policy.
Cancellation and error resolution — [Applies to US Customers]
Sections 16.5 to 16.10 apply only if you are a US Customer, that is, if your Account Jurisdiction is the United States. They set out rights required by United States federal consumer financial law, and they override Section 16.4 to the extent of any conflict. Section 1.7 applies where a mandatory law reaches you regardless of your Account Jurisdiction.
16.5 Right to cancel. You have the right to cancel a Payment for a full refund within thirty (30) minutes of authorizing it, unless the funds have already been picked up by or deposited into the account of the Beneficiary. To cancel, email support@withradius.com from the email address associated with your Radius account and include your order number. Upon cancellation, we will refund the principal and all fees within three (3) business days.
16.6 Right to dispute errors. You have the right to dispute errors in your transaction, at no charge. If you think there has been an error, contact us at support@withradius.com within one hundred and eighty (180) days of the date we told you funds would be available to your Beneficiary, and provide your name, contact information, the Beneficiary’s name, the date of the transfer, and the reason you believe an error occurred.
16.7 We will investigate and determine whether an error occurred within ninety (90) days of receiving your notice, and we will report the results to you in writing within three (3) business days of completing the investigation. If we determine that an error occurred, we will provide the remedies required by applicable law promptly, and in any event within one business day of the report or as otherwise required by law. You may request copies of any documents we relied on in our investigation.
16.8 Where a refund of a Payment is due to you under Sections 16.5 to 16.7, Radius will credit your Wallet in USD, or, where you choose and where the option is available, process the Payment again at no additional charge. Where a refund is returned to your original Payment Account, timing depends on the relationship between your bank and our payment processor, over which we have no control.
16.9 Except for our obligation to investigate and to refund as described above and as required by applicable law, Radius is not liable to you for any loss resulting from our inability to cancel or refund a Payment.
Reporting a problem — [Applies to Non-US Customers]
Sections 16.11 to 16.14 apply only if you are a Non-US Customer, that is, if your Account Jurisdiction is a country other than the United States. The rights in Sections 16.5 to 16.7 do not apply to you, subject to Section 1.7. The mandatory law of your Account Jurisdiction may confer equivalent or different protections, and where it does, those protections apply.
16.11 Cancellation. Section 16.4 applies without modification.
16.12 Reporting. If you believe a Payment was not executed as instructed, email support@withradius.com from the email address associated with your Radius account, as soon as you become aware of the problem, with your order number, the Beneficiary’s details, the date of the Payment, and a description of what you believe went wrong. You must report a suspected problem promptly. Where the mandatory law of your country of residence sets a period within which you must report, that period applies; otherwise, we are not obliged to investigate a report made more than sixty (60) days after the date we told you funds would be available to your Beneficiary.
16.13 Investigation. We will investigate a report made under Section 16.12 and tell you the outcome. We will use reasonable efforts to complete an investigation promptly, but we do not commit to a fixed investigation period, because cross-border investigations depend on Partner Providers, correspondent banks, and receiving institutions whose timelines are outside our control. Where the mandatory law of your country of residence sets an investigation period, that period applies.
16.14 Outcome. If we determine that Radius made an error, we will correct it, and any refund due will be credited to your Wallet in USD, or, where you choose and where the option is available, we will process the Payment again at no additional charge. Where the error was not ours, including where it arose from information you provided under Section 11 or from the act or omission of a Beneficiary, a Partner Provider, or a receiving institution, we will tell you what we found and, where we can, assist you in pursuing the matter with that party, but we are not obliged to refund you. Except as set out in this Section and as required by mandatory local law, Radius is not liable to you for any loss resulting from our inability to cancel, recall, amend, or refund a Payment.
17. Inactive Accounts
17.1 If your Wallet or USD Account remains inactive for a continuous period of 12 MONTHS, we may notify you at your registered contact details and ask you to withdraw your balance or confirm your continued use of the Service.
18. Limitation of Liability
18.1 Radius is not responsible for any delay, failure to execute, or error in the execution of your Payment request due to circumstances beyond our reasonable control, including strikes, power failures, equipment malfunctions, war, riots, governmental or court orders, work stoppages, blockchain network failures or congestion, or similar occurrences, or due to incorrect or incomplete information provided by you. Radius may refuse to process, or delay processing, any request where doing so would violate any guideline, rule, policy, or regulation of any government authority or funds transfer system.
18.2 Except where applicable law provides otherwise, Radius will not be liable for damages, whether caused by the negligence of Radius employees, contractors, agents, or others, beyond the sum of ONE HUNDRED UNITED STATES DOLLARS (US$100.00), in addition to refunding the principal amount of the Payment and any fees and costs you paid to Radius to send it, unless you contacted Radius before sending your Payment and obtained our written agreement to a higher limit on liability. If we agree to a higher limit, we may charge you for it.
18.3 Radius will not be liable for any incidental, indirect, special, punitive, or consequential damages.
18.4 Radius is not liable for the acts or omissions of a Partner Provider, for the failure, insolvency, or default of any stablecoin issuer or blockchain network, or for any loss arising from your election to use a USD Account or Stablecoin functionality, except to the extent applicable law provides otherwise.
18.5 Aggregate cap. The limit in Section 18.2 is an aggregate cap on all claims you may bring, however many Payments, incidents, or causes of action are involved, and applies to Radius, its Group Entities, and their officers, directors, employees, and agents collectively.
18.6 Excluded losses. Radius is not liable for loss of profit, loss of business or business opportunity, loss of anticipated savings, loss of goodwill or reputation, loss of admission, enrolment, visa status, accommodation, or academic standing, loss or corruption of data, or any loss arising from your own device, network connection, operating system, or third-party software.
18.7 Sole remedy. The remedies in Sections 14, 16, and 18 are your sole and exclusive remedies against Radius in connection with the Service, except for any remedy that mandatory law applying to you requires.
18.8 Time limit for claims. Except where applicable law provides otherwise, any claim you bring against Radius must be filed within one (1) year after the event giving rise to it, and any claim not filed within that period is permanently barred.
18.9 Force majeure. Radius is not liable for any failure or delay in performance caused by an event beyond its reasonable control, including natural disaster, epidemic, war, terrorism, civil unrest, government action, sanctions, currency controls, banking or telecommunications failure, internet or blockchain network failure or congestion, cyber attack, or the act, omission, insolvency, or withdrawal of a Partner Provider.
18.10 No liability for suspension. Radius is not liable to you for any loss arising from the suspension, restriction, limitation, or termination of your account or of any Payment where we act under this Agreement, under the requirements of a Partner Provider, or under applicable law.
18.11 Nothing in this Section limits any liability that cannot lawfully be limited under mandatory law applying to you, including, for US Customers, rights under United States federal consumer financial law, and, for Non-US Customers, rights under the mandatory law of your country of residence.
18.12 THE APPLICATION AND SERVICE ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS. RADIUS MAKES NO WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THE APPLICATION OR THE SERVICE. RADIUS DOES NOT WARRANT THE FUNCTIONALITY OF THE APPLICATION OR THE ACCURACY, ADEQUACY, OR COMPLETENESS OF ANY INFORMATION RELATED TO IT, AND EXPRESSLY DISCLAIMS LIABILITY FOR NON-FUNCTIONALITY OF THE APPLICATION AND THE SERVICE OR FOR ERRORS OR OMISSIONS IN ANY INFORMATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONNECTION WITH THE APPLICATION OR THE SERVICE.
19. Indemnity
19.1 In consideration of our agreement to provide you with the Application and the Service, you agree to indemnify and hold harmless Pay4Me, Inc. and its Group Entities, officers, directors, employees, and agents from and against any claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses, including reasonable attorneys’ fees, in connection with or arising out of:
your use of the Application or the Service;
your breach of this Agreement; or
Radius acting upon your Payment request.
19.2 Without limiting Section 19.1, you shall indemnify Radius for any losses caused by inaccurate, non-current, or incomplete information you provided, for any breach of your representations and warranties in Section 11, for any fine, penalty, or assessment imposed on Radius by a regulator, card network, or Partner Provider in connection with your activity, and for any losses due to your failure to maintain the secrecy and confidentiality of your credentials or due to any unauthorised use of your account.
19.3 Radius may, at its option and at your expense, assume the exclusive defense and control of any matter subject to indemnification by you. You will cooperate with that defense and will not settle any matter without our prior written consent.
19.4 This Section survives termination of this Agreement.
20. Governing Law
20.1 This Agreement, and any dispute arising out of or relating to it, the Application, any Payment, or the Service, is governed by the laws of the State of Delaware and the federal laws of the United States of America, without regard to conflict of law principles.
20.2 You and Radius agree that the United Nations Convention on Contracts for the International Sale of Goods does not apply.
21. Dispute Resolution and Arbitration
21.1 Informal resolution first. Before commencing arbitration or court proceedings, you agree to contact us at support@withradius.com, or in writing at 9751 West Chinden Boulevard, Suite 100, Garden City, ID 83714, and to give us sixty (60) days to attempt to resolve the dispute informally. The informal resolution requirement is a condition precedent to arbitration, and the applicable limitation period is tolled while the requirement is pending.
21.2 Binding arbitration. Except as set out in Section 21.4, any dispute or claim arising out of or relating to this Agreement, any Payment, or the Service, including disputes about the interpretation, enforceability, or scope of this arbitration provision, will be resolved by final and binding arbitration seated in Wilmington, Delaware, administered by the American Arbitration Association under its then-current Consumer Arbitration Rules, before a single arbitrator. The arbitration will be conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.
21.3 Delaware courts. You and Radius consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Delaware for: (a) any action to compel arbitration; (b) any application for provisional or injunctive relief; (c) entry of judgment on an arbitral award; and (d) any dispute that a court determines is not subject to arbitration. You waive any objection to venue in those courts on the grounds of inconvenient forum.
21.4 Carve-outs. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or to prevent unauthorized access to the Service.
21.5 Class action and jury trial waiver. Arbitration and any court proceeding will be conducted on an individual basis only. You and Radius waive the right to a trial by jury and the right to participate in a class, collective, consolidated, or representative action. If this waiver is found unenforceable as to a particular claim, that claim will proceed in the Delaware courts identified in Section 21.3, and the remainder of this Section will remain in effect.
21.6 Coordinated filings. If twenty-five (25) or more demands for arbitration raising substantially similar claims are filed against Radius by or with the assistance of the same law firm or coordinated group within a ninety (90) day period, those demands will be administered in sequential batches of no more than fifty (50). The parties will select a small number of bellwether cases from the first batch to be heard first, and will use the outcomes of those cases to attempt global resolution of the remaining demands. Filing fees for demands outside the current batch are not due until that batch is reached, and the limitation period is tolled for all demands in the queue. This Section is intended to make mass filings workable for both parties and is not a bar to any individual claim.
21.7 Disputes concerning an account or service provided by a Partner Provider may be subject to that provider’s own dispute resolution provisions, as described in Section 6.5.
21.8 If Section 21.5 or Section 21.6 is held unenforceable, the whole of Section 21.2 is severed, and disputes proceed in the Delaware courts identified in Section 21.3.
22. Electronic Communications
22.1 To use the Application, you consent to receive and accept this Agreement, any amendment to it, and all notices, disclosures, receipts, and records relating to the Application and the Service by electronic means, including email, SMS, and in-app message. [Applies to US Customers] This consent is given for the purposes of the United States Electronic Signatures in Global and National Commerce Act (E-SIGN). [Applies to Non-US Customers] You agree that electronic records and electronic signatures have the same legal effect as paper records and handwritten signatures, to the fullest extent permitted by the law that applies to you.
22.2 To receive and retain electronic communications you need an Android or iOS device or another device approved by Radius, an active email address, and the ability to view and store PDF documents.
22.3 You may withdraw your consent to electronic communications at any time by contacting us. Because the Service is delivered electronically, withdrawing consent will result in termination of your use of the Application and the Service and the return of any remaining balance to you.
22.4 Radius will make a record of each of your Payments available to you electronically in the Application.
22.5 You must keep your registered email address and phone number current. Notices sent to the details on file are effective when sent.
23. Changes to these Terms
23.1 Radius may modify, supplement, alter, or amend this Agreement at any time. We will make reasonable efforts to give you advance notice of material changes and aim to provide ample time to review them. However, you acknowledge that some changes may take effect with little or no advance notice, including where a change is required by law, by a regulator, by a Partner Provider, by a card network or banking partner, or where a change is needed to address a security, fraud, or sanctions risk.
23.2 We will notify you of changes by posting the updated Agreement at withradius.com/terms with a revised effective date, and, where we consider the change material, by email, SMS, or in-app notice. The current version supersedes all earlier versions.
23.3 Your continued use of the Application or the Service after a change takes effect constitutes your acceptance of the change. If you do not accept a change, you must stop using the Service and may close your account and withdraw your balance, subject to this Agreement and to applicable law.
23.4 Where applicable law requires a specific notice period for a particular change, we will comply with that requirement, and this Section is read subject to it.
24. Account Security, Suspension, and Termination
24.1 You are responsible for keeping your credentials confidential and for all activity on your account. Notify us immediately at support@withradius.com if you suspect unauthorized access.
24.2 You may stop using the Service at any time and may ask us to close your account.
24.3 Radius may suspend or terminate your access to the Application or the Service, in whole or in part, with or without notice, where we reasonably believe you have breached this Agreement, where the information you provided is false, inaccurate, or incomplete, where required by law or by a Partner Provider, or where we identify fraud, sanctions, or security risk.
24.4 On termination, we will return any remaining Wallet balance to you in USD by a method reasonably available to us, less any amounts you owe us, and subject to any legal hold or regulatory requirement.
24.5 Sections that by their nature should survive termination will survive, including Sections 7.3, 9.8, 9.9, 11, 18, 19, 20, 21, 25, and 26.
25. General Terms
25.1 This Agreement, together with the documents incorporated by reference in Section 3.3, constitutes the entire understanding between you and Radius concerning the Application and the Service. It supersedes all prior agreements and may not be modified orally.
25.2 Pay4Me, Inc., its Group Entities, and the banks, telecommunications providers, processors, custodians, and other Partner Providers we engage may participate in the provision of the Service.
25.3 We may assign this Agreement or delegate our obligations under it, in whole or in part, without notice to you and without your consent, including in connection with a merger, acquisition, reorganization, or sale of assets. You may not assign this Agreement.
25.4 If any portion of this Agreement is determined to be invalid or unenforceable, the remaining provisions remain enforceable.
25.5 Our failure to enforce any provision is not a waiver of that provision.
25.6 There are no third-party beneficiaries to this Agreement, except that our Group Entities, their officers, directors, employees and agents, and our Partner Providers may rely on and enforce the limitations of liability, exclusions, indemnities, and information-sharing consents in this Agreement.
25.8 Headings are for convenience only and do not affect interpretation. No rule of construction requiring an agreement to be interpreted against its drafter applies to this Agreement.
25.9 You may not record, publish, or disclose the content of any dispute, investigation, or settlement with Radius except as required by law or to your professional advisers.
25.7 The English language version of this Agreement governs.
26. Intellectual Property
26.1 The Application, the Service, the Radius and Pay4Me names and logos, and all software, content, designs, and data made available through them are owned by Pay4Me, Inc. or its licensors and are protected by intellectual property law.
26.2 We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Application for your own use of the Service, in accordance with this Agreement. All rights not expressly granted are reserved.
26.3 You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, decompile, or create derivative works from any part of the Application or the Service, scrape or extract data from it, use it to build a competing product, or remove any proprietary notice from it.
26.4 You may not use the Radius or Pay4Me names, logos, or branding without our prior written consent.
26.5 Feedback. If you send us suggestions, ideas, or feedback about the Service, you assign all rights in that feedback to us, and we may use it for any purpose without obligation, attribution, or payment to you.
26.6 We may identify you as a user of the Service in an aggregated and de-identified form only, unless you consent otherwise in writing.
27. Contact
Pay4Me, Inc., dba Radius
9751 West Chinden BLVD,
Suite 100, Garden City, ID 83714
United States
For Support, refunds, cancellations, disputes, and legal notices: support@withradius.com