Lindo Terms of Service

This Terms of Service ("Agreement") is effective as of May 08, 2022, and was most recently updated on May 13, 2022. It describes the terms by which you will be bound when you use the services accessible via our mobile applications on Google Play and Apple App Stores or at ("Service"). Do not use the Service if you do not agree to be bound by these terms. By using the Service you are agreeing to the terms of this Agreement.

As used throughout this Agreement, the terms "Lindo", "we", "us", and "our" refer to Value Exchange Solutions, Inc., a corporation organized under the laws of the State of Delaware, USA, and operating under the laws of the USA, together with its employees, directors, successors, and assignees. The terms "you" and "your" refer to users of the Service, whether as Senders or Recipients.


This Service allows users to send money to close relatives and self-employed individuals from the United States to Cuba in compliance with the Cuban Assets Control Regulations ("CACR"). Our mobile applications currently provide service for authorized transactions under Sections 515.570 and 515.582 of the CACR. If you want to send any other authorized transaction, please contact us at and we will help you directly.

You should not use the Service to send money to strangers nor to prohibited individuals. By using this service, you attest that you, nor your intended Recipient(s), are not a prohibited official of the Government of Cuba, as defined in Section 515.337, or a prohibited member of the Cuban Communist Party, as defined in Section 515.338, nor an otherwise prohibited individual under the State Department's various sanction lists such as the Specially Designated Nationals list.

A "Sender" uses the Service to send money and a "Recipient" receives money through the Service. A "Transaction" refers to an order to send money through the Service. The "Transaction Amount" is the amount in US dollars that the Sender provides to Lindo for transmittal to the Recipient. The "Payout Amount" is the amount paid out to the Recipient.


  1. Not Prohibited Individual. By using this service, you attest that you are not a prohibited official of the Government of Cuba, as defined in Section 515.337, or a prohibited member of the Cuban Communist Party, as defined in Section 515.338, nor an otherwise prohibited individual under the State Department's various sanction lists such as the Specially Designated Nationals list.

  2. Age and Capacity. You must be at least eighteen (18) years old to access and use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

  3. Others. You may not submit or receive a Transaction on behalf of any other person.

  4. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer that we may accept or reject at our sole discretion.


  1. Charges. With each Transaction you submit you are agreeing to pay us a service fee ("Service Fee"), in addition to the Transaction Amount. This Service Fee is currently $0.00 as of the date of update, but may be revised at Lindo's discretion. Payment in US dollars is due at the time the transaction is submitted for processing. If you submit a transaction that results in us being charged NSF fees, chargeback fees, or other similar costs, you agree to reimburse Lindo for all such fees.

  2. Payment. In order for us to process your transaction you authorize us to charge any of the payment instruments included in your payment profile ("Payment Instrument" includes any credit card, debit card, bank account, or Zelle, PayPal, Venmo accounts). If your payment fails you authorize us to re-try one or more times using the same Payment Instrument. You warrant that you are an authorized and lawful user of the Payment Instrument(s).

  3. Other Charges. We are not responsible for fees that may be imposed by financial institutions associated with your Payment Instruments. For example, some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" and may impose additional fees and interest cost for the transaction. Lindo is not responsible for any NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other provider.


  1. Service Providers. We work with local partners (each, a "Service Provider") to make funds available to Recipients via bank transfer. As a Sender, you are appointing your Recipient as your agent for the purpose of receiving funds transmitted through the Service.

  2. Verification. Recipients may be required to prove their identities and corroborate the information you have provided before receiving funds by presenting valid identification. Also, Recipients may be required to provide a reference number or another similar identifier associated with their Transactions.


  1. General. We may refuse any Transaction or limit the amount to be transferred to any person, either on a per transaction or aggregated basis. These limits may be imposed on individual accounts or linked accounts. We reserve the right at any time to modify or discontinue all or any part of the Service.

  2. Delays. Your Transaction may be delayed by our effort to verify your identity, conduct Know-Your-Customer checks, validate your Payment Instruments and otherwise comply with laws or manage our financial risk. You may be entitled to a refund in certain circumstances and you may cancel your transaction at any time while it is pending.

  3. Commercial Transactions. You should not use the Service to send money except to people that you know or trust. We are not responsible for, the quality or delivery of goods or services that you pay for using the Service. You accept that using the Service to pay for goods and services is at your own risk.

  4. Unauthorized Transactions. You may not use the Service in violation of this Agreement or applicable laws, rules or regulations. It is a violation of the Agreement to use the Service for any of the following: sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the Agreement. If you use the Service in connection with illegal conduct, Lindo will report you to law enforcement.

  5. Ineligibility. Your Payment Instrument must be issued by a U.S. financial institution. We may refuse Transactions from certain Senders and to certain Recipients that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as issued by different government agencies.

  6. No Changes. We generally do not let you change the details of your Transaction once it is submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.

  7. Restricted Activities. In connection with your use of our website or the Service, or in the course of your interactions with Lindo, a user or a third party, you will not:

    1. Breach this Agreement, or any other agreement between you and Lindo;

    2. Provide false, inaccurate, or misleading information;

    3. Refuse to cooperate in an investigation or provide confirmation of your identity;

    4. Use an anonymizing proxy;

    5. Provide yourself a cash advance from your credit card (or help others to do so);

    6. Use any automatic device, or manual process to monitor or copy our website.


  1. Privacy Policy. By agreeing to this Agreement, you acknowledge and consent to our Privacy Policy.

  2. Customer Identification Program. U.S. law requires we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.

  3. Government Disclosures. We may provide information about you and your Transactions to government authorities and law enforcement agencies, as described in our Privacy Policy.

  4. Verifying information. You authorize us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.


  1. Error Resolution. Let us know at any time if you have any problems with the Service.

    You can contact us using the contact information at the bottom of this Agreement.

  2. Money-back Guarantee for best rate. From time to time, we may offer refunds for difference between rates at other providers vs Lindo for the same amount of USD i.e., more CUP to the recipient for the same delivery method. When we are offering such a guarantee, we promise that if you find a better rate elsewhere, let us know at and upon verification of the other rate offered, we will refund you the difference for what you would have paid at the other provider within a reasonable amount of time.

  3. Refunds. You can cancel your transaction at any time prior to its completion. Completion means that your recipient claimed the money you sent through bank account deposit. Upon receipt of a cancellation request, we may confirm with our Service Providers to determine whether the transaction has been completed prior to initiating a refund.

    The Transaction Amount will not be refunded after completion. If there is a fee amount, however, we we may refund it if you are not satisfied with our service for any reason. All refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. dollars and will not be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted. Please note that residents of certain jurisdictions may have certain refund rights and complaint procedures, as described here:

  • Washington. As a Sender located in the state of Washington, you are entitled to a refund of all moneys received for transmittal within ten days of receipt of a written request for refund unless any of the following occurs:

    • The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund;

    • Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund;

    • Lindo, or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or

    • Lindo is otherwise barred by law from making a refund.

  • Texas. As a Sender located in the state of Texas, you are entitled to cancel a transaction, and receive an immediate refund of all money charged for the remittance, including any fees paid to Lindo, within thirty minutes of receiving a receipt, unless the intended recipient of the transaction has received the funds, or its equivalent.

    If you have a complaint first contact us at If you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, (877) 276-5554 (toll free),

  1. Complaints. Although we encourage you to share with us any concerns or questions you may have about our service, including your account or a specific transaction, you may also want to contact the money transmitter licensing authority in your state.

    For Alaska Residents Only:

    If your issue is unresolved by Value Exchange Solutions, Inc, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

    Formal complaints must be in writing, please download the form here

    Formal complaint forms may be submitted via:

    1. Fax: 907-465-1230

    2. Email:

    3. Mail: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

      If you have questions regarding formal complaints, please call 907-465-2521


You acknowledge that the Service, including the content of this website, text, graphics, logos, and images, as well as all other Lindo copyrights, trademarks, logos, and product and service names are owned exclusively by Value Exchange Solutions, Inc. (the "Lindo Intellectual Property").

You agree not to display, use, copy, or modify the Lindo Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Service; (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof); or (iii) infringe Lindo's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy..

If you provide us with any suggestions, feedback, reviews or input (“Customer Input”) related to our Services, we and our successors and assigns will own all right, title and interest in and to the Customer Input, even if you have designated the Customer Input as confidential. We and our corporate group entities will be entitled to use the Customer Input without restriction, including for marketing or business purposes. You assign to us all right, title and interest in and to the Customer Input and agree to provide us with any assistance we may require to document, perfect and maintain our rights in the Customer Input. For this purpose the word: “assign” is legal term which means legally transferring the benefit, such as you legally transferring the benefit of the Customer Input to us.


We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. In any event, you may have a right to a refund as expressly described herein.


You agree to indemnify and hold Lindo, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Agreement, or your violation of any rights of another.




  1. Governing Law. This Agreement shall be governed according to the laws of the State of California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the Service or Agreement (a "Claim") shall be governed by and construed in accordance with the laws of California, except that body of law governing conflicts of law.

  2. Disputes with Lindo. If a dispute arises between you and Lindo, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Lindo regarding the Service may be reported to; or by mail at PO Box 1482, Mountain View, CA 94042.

  3. Formal Complaint Process. If you have a complaint with Lindo, you agree to first contact Lindo through our support team to attempt to resolve any such dispute amicably. If we cannot resolve the dispute through Lindo Support, you agree to use the Formal Complaint Process set forth below before filing any arbitration claim or small claims action as described further below. You must complete the Formal Complaint Process before filing any arbitration or small claims action. If you do not complete it, then you agree that your claim or action must be dismissed from arbitration or small claims court. Procedural Steps. In the event that the dispute is not resolved with our support staff, you agree to write to us via email at to describe your dispute, how you would like us to resolve the complaint, and any other relevant information. If you prefer to send a written complaint via mail, please include as much information as possible in describing your complaint and how you would like us to resolve the complaint, including your support case number and any other relevant information to Value Exchange Solutions, Inc. PO Box 1482, Mountain View, CA 94042. We will acknowledge receipt of your complaint form after you submit it. We will review and evaluate your complaint based on the information you have provided and information in the possession of Lindo. The Formal Complaint Process is completed when Lindo responds to your complaint or forty-five (45) business days after the date we receive your complaint, whichever occurs first.

  4. Arbitration. You and Lindo agree that any Claim will be settled by binding arbitration, except that each party retains the right to bring an individual action in small claims court. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution (ADR) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; (c) the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding; and (d) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You acknowledge and agree that you and Lindo are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding.

  5. Costs and Fees. If your claim does not seek an award of more than $75,000, Lindo will pay the fees associated with arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose. If you prevail in arbitration you may be entitled to an award of attorneys' fees and expenses, to the extent provided under applicable law. Lindo will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys' fees and expenses if it prevails in arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose.

  6. Forum for Disputes. Except as otherwise agreed by the parties or as described in section 12(c) above, you agree that any claim or dispute you may have against Lindo must be resolved by a court located in Santa Clara County. You agree to submit to the personal jurisdiction of the courts located within Santa Clara County, California for the purpose of litigating all such claims or disputes.

  7. Improperly Filed Litigation. All claims you bring against Lindo must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement.

Should you file a claim contrary to section 12, Lindo may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that Lindo has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

By accepting this Terms of Service as indicated below, you consent to receive and view disclosures, notices, statements and other communications (collectively, “Communications”) from Lindo relating to your account electronically by any of the following means:

  • Text to your mobile phone number associated with your account (which may include a link to Communications on our website or in our Service);

  • To your email associated with your account; or

  • Notifications from our web or mobile application.

Delivery by any of these means will constitute proper notice to you under applicable law. You acknowledge that Communications will include, but may not be limited to, the following:

  • Our website, Privacy Policy, or Terms of Service (“Legal Policies and Agreements”);

  • Disclosures and/or amendments we may provide you under our Legal Policies and Agreements;

  • Activity and any other information regarding your use of our Service and account;

  • Receipts, confirmations, status updates, authorizations and transaction history for your account

  • Communications regarding the resolution of any claimed errors; and

  • Communications required or permitted by law or regulation.

Your Right to Revoke Consent. Because we communicate electronically, you must provide your consent to receive Communications electronically in order to establish a Lindo account and use our Service. You may withdraw your consent to receive all Communications electronically by contacting us via If you fail to provide, or if you withdraw, your consent to receive Communications electronically, we will decline to establish an account for you, or we will terminate, suspend or decline to provide the Service, unless you are entitled by applicable law to receive non-electronic Communications.

HARDWARE & SOFTWARE REQUIREMENTS: In order to receive Communications, whether by text or email, you need to have a means of printing or storing them. So, in addition to having an email address and phone number you must have the following:

  • Computer or mobile device with Internet connection;

  • A current web browser with cookies enabled;

  • A valid email address on file in your account;

  • Ability to store or print the Communications; and

  • if you use a spam blocker, you must add to your email address book or whitelist (collectively “System Requirements”).

    We reserve the right to change these System Requirements and will provide you with a Communication when we make a material change to the System Requirements.

Receiving Texts and emails. In order to receive Communications, you must ensure that the primary mobile phone and/or email address that you provide us is your valid, current phone number or email address, and you are able to receive at that address texts or email messages containing Communications including attached electronic documents and that such Communications, including portions that are attached documents are available for viewing and storing or printing by you. You agree to promptly update your email address by updating your account if your email address changes. You acknowledge that our ability to notify you of the availability of your Communications is contingent on the validity of mobile phone number and email address in our records. You understand and agree that if we send you a Communication and you are unable to receive the Communication because you provided inaccurate or blocked contact information or if the Communication is otherwise unavailable to you, we will deem such Communication provided to you. However, if your mobile phone or email address is no longer valid, we reserve the right to determine your account is inactive or take other actions as set forth in this Agreement. You will not be able to conduct any transactions in your account until you update your mobile phone or email address in your account.

Reservation of Rights. The Service does not allow for Communications to be provided in paper format or through other non-electronic means. However, we reserve the right to provide you with any Communication in writing, rather than electronically. You agree to maintain on file with us your current street address and to promptly update your address in the event it changes by updating your account. Although we may waive our fee for delivery of paper Communications, we reserve the right to charge a Communication request fee and to increase this fee in our discretion.

Print Disclosures. We recommend that you print a copy of this Agreement and any Communication that you view electronically for your records as the Communication may not be accessible online at a later date.

Your Consent. By clicking on the "Register", “Send Money”, or "Pay" button to complete our remittance or registration flow, which you adopt as your electronic signature, you agree that (i) we may provide Communications to you electronically, on the terms and conditions set forth in this Agreement (ii) the consent shall last until you revoke your consent, and (iii) you meet the System Requirements specified above. If you do not wish to receive Communications electronically, you will not be able to open an account with us to use our Service.

General. You understand and agree that we are responsible for sending the Communications to you electronically by email or text to the address in your Account profile or through the Service. We are not responsible for any delay or failure in your receipt of the email or text notices and whether or not you choose to view the Communication, subject to your right to revoke your consent to receive Communications electronically.


  1. PCI-DSS Compliance. Lindo is compliant and shall remain compliant with the Payment Card Industry (“PCI”) Data Security Standards to the extent we possess or otherwise store, process, or transmit your Payment Instrument data or other data subject to PCI obligations.

  2. Third party websites links and content. Any external links to third-party websites or third party content on our website are provided as a convenience to you and does not imply Lindo's endorsement of the third-party website or content. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.

  3. Entire Agreement. The Agreement constitutes the entire agreement between you and Lindo and governs your use of the Service, superseding any prior agreements between you and Lindo and cannot be modified orally.

  4. No Waiver. The failure of Lindo to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement shall remain in full force and effect.

  5. Force Majeure. We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure; sovereign default; power or internet failure; civil unrest; war; and earthquake, fire, flood, or other natural disasters.

  6. Modification. We may modify this Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.

  7. Other Terms. This Agreement may be supplemented by terms applicable to other promotions, our Referral Program, and other terms applicable to you based upon your use of the Service. These terms are incorporated into this Agreement by reference. To the extent that any of these terms are determined to be in conflict with this Agreement, this Agreement shall control.


Your security is very important to us, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately.

If you are aware of anyone or any entity that is using the Service inappropriately, please email us at If you receive any fake (phishing) emails, purporting to be from Lindo, please forward them to us at


This Agreement is drafted in the English language and translations may be provided in other languages. You agree that the English version of the Agreement will control in the event of any inconsistency between the English and translated versions in any dispute related to this Agreement.


Questions, notifications, and requests for price guarantee refunds or further information can be sent to us via email to or by mail at PO Box 1482, Mountain View, CA 94042.

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