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1. Description of the Dynamic
"Cashback Direct Country-to-Country Transfer" is a Dynamic organized by El Dorado, aimed at encouraging Direct Country-to-Country Transfers by users selected by El Dorado at its sole discretion, in accordance with these Terms and Conditions ("T&C").
Participation is free of charge. Any Participant who meets the eligibility requirements and completes a Direct Country-to-Country Transfer during the Validity Period will receive the Benefit, in accordance with these T&C.
2. Definitions
Dynamic: The "Cashback Direct Country-to-Country Transfer" Dynamic, organized by El Dorado in accordance with these T&C.
Participant: A Platform user selected by El Dorado, at its sole discretion, in accordance with Section 5, who completes a Direct Country-to-Country Transfer during the Validity Period and meets the requirements set forth in these T&C.
Benefit: Cashback equivalent to 20% of the fee charged on the Participant's first Direct Country-to-Country Transfer completed during the Validity Period, in accordance with Section 7.
Platform: El Dorado's mobile application through which Direct Country-to-Country Transfers are carried out.
Validity Period: The period during which the Dynamic is active, in accordance with Section 4.
3. Nature of the Dynamic
The Dynamic consists of a loyalty initiative through which El Dorado grants a Benefit to Participants selected at its sole discretion who complete a Direct Country-to-Country Transfer during the Validity Period. Participation is free and does not require any payment or consideration other than the Direct Country-to-Country Transfer carried out by the Participant on the Platform.
4. Validity Period
The Dynamic is valid from September 1, 2026, through September 12, 2026. El Dorado may, at its sole discretion and at any time, suspend, modify, pause, or terminate the Dynamic, without prior notice, by notifying such change through the Platform or its official channels. It is the user's responsibility to stay informed of such changes, as well as of the validity and conditions of the Dynamic at all times.
5. Eligibility
Users who meet the following requirements may participate in the Dynamic:
a) Are 18 years of age or older.
b) Hold an active account on El Dorado's Platform.
c) Have been selected by El Dorado, at its sole discretion, to participate in the Dynamic. Such selection will be communicated to selected users through the means El Dorado determines, including, but not limited to, in-app banners, push notifications, or any other means El Dorado chooses to use.
d) Have completed and passed the identity verification (KYC) process, in accordance with Annex B of the Platform's general T&C.
e) Have completed at least one Direct Country-to-Country Transfer, in accordance with Section 6, during the Validity Period.
The criteria for selecting Participants are at El Dorado's sole discretion, and El Dorado may modify them at any time. Users with accounts suspended, blocked, or under investigation by El Dorado during the Validity Period may not participate.
6. Direct Country-to-Country Transfer
The following transaction, successfully completed on the Platform during the Validity Period, will count toward the Benefit:
a) Direct Country-to-Country Transfers carried out through the Platform between any of the countries in which El Dorado operates, executed through the Platform's specific "Direct Country-to-Country Transfer" flow.
To carry out this transaction, El Dorado solely provides virtual asset services, including establishing a USDT escrow to facilitate the Direct Country-to-Country Transfer. The fiat currency transaction takes place outside the Platform, through a direct arrangement between the parties, using the payment methods they themselves establish. It is the user's sole responsibility to verify whether any applicable exchange restrictions exist.
A transaction in which the user, using the Platform's "Send" function, first places an on-ramp order and subsequently opens a separate off-ramp order will not be considered a Direct Country-to-Country Transfer, even if the final result is equivalent. In such cases, the Benefit will apply solely to the fee of the first transaction completed (the on-ramp order).
Transactions that are canceled, reversed, suspended, or that for any reason are not successfully completed will not be considered Direct Country-to-Country Transfers.
Transactions not covered by this section will not count toward the Dynamic. El Dorado may update, modify, or eliminate, at any time and at its sole discretion, the definition of Direct Country-to-Country Transfer.
7. Mechanics and Benefit
7.1. Granting of the Benefit
Any Participant who meets the eligibility requirements set forth in Section 5 and completes at least one Direct Country-to-Country Transfer during the Validity Period will receive the Benefit on the fee for that transfer. Only the Participant's first Direct Country-to-Country Transfer within the Validity Period will be counted; additional transfers do not generate an additional Benefit.
7.2. Calculation of the Benefit
The Benefit is equivalent to 20% of the fee charged on the Participant's first Direct Country-to-Country Transfer, calculated as: Benefit = Transfer Fee × 0.20.
7.3. Crediting of the Benefit
The Benefit will be credited to the El Dorado wallets of Participants who meet the requirements set forth in these T&Cs, within the period from September 13, 2026, to September 22, 2026.
7.4. Additional Conditions
The Benefit is personal and non-transferable. It may not be assigned, sold, transferred, exchanged, or assigned to third parties under any title, nor redeemed for any option other than the one expressly defined in this section.
Any tax obligation arising from receipt of the Benefit is the Participant's sole responsibility. El Dorado does not assume any withholding or tax payment obligations on the Participant's behalf.
8. Compliance Verification
El Dorado reserves the right to verify, prior to crediting the Benefit, both the validity of the Direct Country-to-Country Transfer and compliance with the eligibility requirements set forth in these T&C.
If a Participant fails to meet the eligibility requirements, or if such compliance cannot be verified, El Dorado reserves the right not to grant the corresponding Benefit.
9. Grounds for Disqualification
Any Participant with respect to whom it is verified, or reasonable indications exist, that they:
a) Do not meet the eligibility requirements set forth in these T&C.
b) Carried out simulated or coordinated transactions to fraudulently generate Direct Country-to-Country Transfers.
c) Used multiple accounts to access the Benefit. d) Violated these Terms and Conditions and/or the Platform's general terms.
e) Have their El Dorado account suspended or blocked.
will be disqualified from the Dynamic. The foregoing grounds are illustrative and not exhaustive. The determination of these grounds is at El Dorado's sole discretion.
10. Modifications and Cancellation
El Dorado may modify, suspend, or cancel the Dynamic at any time, without giving rise to any compensation in favor of Participants. Any modification during the Validity Period will be notified through the Platform. It is the user's responsibility to periodically review these channels to stay informed.
11. Governing Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Panama.
12. Dispute Resolution
Any dispute between the Participant and El Dorado related to the Dynamic will be submitted to the procedure set forth in the Platform's General Terms and Conditions.
13. Petitions, Complaints, and Claims
The Participant may submit petitions, complaints, or claims related to this Dynamic through El Dorado's designated support channels. El Dorado will review each request in good faith and provide a response within fifteen (15) business days of receipt.
Requests must be submitted clearly and with the information necessary to allow for their proper review. If additional information is required, El Dorado will notify the Participant accordingly.
Submission of a Petition, Complaint, or Claim does not suspend the application of these Terms and Conditions or the Platform's general terms.
14. Contact
For questions or support related to the Dynamic, the Participant may contact:
Last updated: September 1, 2026
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