Terms and Conditions

CupoExpress is a service operated by [Legal name to be defined], Tax ID (RUT) [to be defined], domiciled at [to be defined], Chile (the “Operator” or “we”).

You can contact us through the channels listed in the “Contact” section. The Operator’s full identification details will be published here once the entity is incorporated.

CupoExpress provides an intermediation service for sending remittances: we receive an amount in Chilean pesos (CLP) and arrange delivery of the equivalent amount in the destination currency (bolívares, Colombian pesos or soles) to the beneficiary you designate.

CupoExpress is not a bank or a supervised financial institution as such. We do not take deposits from the public, we do not pay interest, we do not extend credit, and we do not hold money balances in the user’s favor beyond what is strictly necessary to execute each transfer order.

To send, you must register and verify your identity once. Your “key” is issued during that registration: a personal, verified and non-transferable identifier that represents you within CupoExpress. The key is not requested or reserved separately: it is created with your registration.

Each key belongs to a single natural person, over 18 years of age and with legal capacity to contract. You are responsible for the accuracy of the data you provide and for the use made of your key.

We may reject, suspend or cancel a registration when information is false or incomplete, or when we are unable to verify your identity.

In compliance with Law No. 19,913 and other applicable regulations, we apply know-your-customer (KYC) procedures and monitor operations.

We may request additional information about your identity, the origin of the funds or the destination of the transfer; hold, reject or suspend operations; and report suspicious operations to the Financial Analysis Unit (UAF), as required by law.

You declare that the funds you send are of lawful origin and that you will not use the service for money laundering, terrorism financing or any other unlawful purpose.

The rates shown by the site’s calculator are indicative and informational. The final rate applicable to your transfer is confirmed to you by chat before you make any payment.

Once the rate for an operation has been confirmed and accepted, that is the rate applied to that operation. Rates may change at any time according to market conditions.

There are minimum and maximum amounts per operation, which are disclosed to you when quoting and may be adjusted according to applicable regulations and our policies.

Payment is made by transfer in Chilean pesos to the account we indicate for each operation. You must send us the proof of transfer through the agreed channel. The order is processed once receipt of the funds is confirmed.

Delivery times are estimates and depend on the destination country’s banking hours, the beneficiary’s payment method and factors beyond our control. We notify you as soon as the delivery is credited.

By using the service you agree to:

• Provide correct and complete data, both yours and the beneficiary’s.
• Ensure the funds are of lawful origin and belong to you.
• Not use the service for unlawful purposes or on behalf of undisclosed third parties.
• Safeguard your key and not assign it to other people.

You are responsible for the beneficiary details you provide. If you notice an error, tell us immediately. If the operation has not yet been executed, we correct it at no cost. If it was already sent, we will assist with recovery efforts, the outcome of which depends on the receiving bank or wallet and is beyond our control.

You may request the cancellation of an operation while it has not been executed; in that case we return the funds received, deducting any costs we may have incurred, where applicable.

In accordance with Law No. 19,496 on Consumer Rights Protection, the rights recognized by that law will be respected. Once the remittance has been executed and delivered, the service is deemed rendered and no withdrawal applies to that operation.

Your key also works as your referral code. You may invite other people by sharing it. When a new person registers, verifies their identity and makes transfers using your code, you are recognized a promotional credit under the conditions we publish.

Promotional credits are not money: they are not redeemable for cash, do not earn interest, and cannot be transferred or assigned to another person. They may only be applied as a discount on the transfers of the person who obtained them.

We may modify, suspend or terminate the referral program, as well as void credits obtained through fraud, abuse, false registrations or breach of these Terms.

We process your personal data in accordance with Law No. 19,628 and Law No. 21,719 on the protection of personal data, to the extent they apply.

We use your data to provide the service, verify your identity and comply with our legal obligations, including those for the prevention of money laundering. We do not sell your data to third parties.

You may exercise your rights over your data —including access, rectification, cancellation and objection— by writing to us through the contact channels. Details will be available in our Privacy Policy.

We make our best efforts for the service to work correctly and on time. We are not liable for acts of God or force majeure, failures of third parties (banks, wallets, networks or providers), or for damages arising from erroneous or incomplete data provided by the user.

In any case, and except for willful misconduct or gross negligence on our part, our liability for an operation is limited to the amount of that operation.

The CupoExpress brand, the site, its content and its design are our property or are used by us with authorization. They may not be reproduced or used without permission.

We may amend these Terms. The version in force will be the one published on the site, with its update date. Use of the service after a change implies acceptance of the version in force.

These Terms are governed by the laws of Chile. In the event of any dispute, and without prejudice to the rights that the law grants consumers before the National Consumer Service (SERNAC), the parties submit to the ordinary courts of justice of Chile.

For questions about these Terms or about an operation, write to us on WhatsApp or Instagram. Our contact channels are available on the site.