Ray-Banks LLC
Operating as Latanda Financial Services
Last Updated: November 22, 2025
These Terms of Service govern your use of all services provided by Ray-Banks LLC, including:
By accessing or using our services, you agree to be bound by these Terms.
These Terms of Service ("Terms") constitute a legally binding agreement between you and Ray-Banks LLC ("Company," "we," "us," "our"), a New Mexico Limited Liability Company (EIN: 37-2158338).
Trade Name: We operate financial technology services under the trade name "Latanda Financial Services."
Scope: These Terms apply to:
By accessing or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you must not use our services.
Ray-Banks LLC provides the following services:
You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are 18 years of age or older.
You must have the legal capacity to enter into binding contracts. If you are accessing our services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
Our services may not be available in all jurisdictions. You are responsible for ensuring that your use of our services complies with all applicable laws in your jurisdiction. We reserve the right to restrict access from certain jurisdictions.
You are responsible for:
To comply with regulatory requirements, we may require you to complete Know Your Customer (KYC) verification, which may include:
We reserve the right to request additional verification or documentation at any time. Failure to provide requested information may result in account suspension or termination.
We comply with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. We may report suspicious activities to relevant authorities as required by law.
READ CAREFULLY BEFORE USING CRYPTOCURRENCY SERVICES:
NOTHING PROVIDED THROUGH OUR SERVICES CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. You should consult with appropriate professionals before making any financial decisions.
You acknowledge and accept the following risks associated with cryptocurrency and DeFi services:
We make no guarantees regarding:
YOU ARE SOLELY RESPONSIBLE FOR:
WARNING: If you lose your private keys, we cannot recover your funds. There is no password reset or recovery mechanism for blockchain wallets.
When using Web3 wallet features, you maintain custody of your own digital assets. We do not custody, control, or have access to your funds.
Blockchain transactions require gas fees paid to network validators. These fees:
When you participate in tandas (rotating savings groups):
You acknowledge that:
In case of disputes within a tanda group:
We may charge fees for certain services, including:
All fees will be clearly disclosed before you complete a transaction.
We reserve the right to modify our fee structure with reasonable notice. Continued use of services after fee changes constitutes acceptance of new fees.
All fees are generally non-refundable unless otherwise stated or required by law.
You agree NOT to:
Violation of these prohibitions may result in immediate account termination and legal action.
All content, features, and functionality of our services, including:
are owned by Ray-Banks LLC or our licensors and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes, subject to these Terms.
You may not:
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the maximum extent permitted by law, we disclaim all warranties, including but not limited to:
We do not warrant that:
Our services may integrate with third-party services (wallets, blockchain networks, etc.). We are not responsible for the performance, security, or availability of third-party services.
We are not financial advisors, tax professionals, or legal counselors. Any information provided is for general informational purposes only and should not be relied upon as professional advice.
READ THIS SECTION CAREFULLY AS IT LIMITS OUR LIABILITY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, RAY-BANKS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR:
Our total liability to you for any claims arising from or related to these Terms or our services shall not exceed the greater of:
WE ARE NOT LIABLE FOR:
We are not liable for any failure to perform our obligations due to events beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless Ray-Banks LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, at your expense.
You may terminate your account at any time by:
We may suspend or terminate your access to our services immediately, without prior notice, for:
Upon termination:
Upon termination, you should withdraw any digital assets from your account promptly. We may provide a reasonable period for withdrawal before restricting access to your funds.
These Terms are governed by and construed in accordance with the laws of the State of New Mexico, United States, without regard to its conflict of law principles.
Before filing any formal legal action, you agree to first contact us to attempt to resolve any dispute informally. We will attempt to resolve disputes in good faith.
If informal resolution fails, you agree that any dispute arising from or relating to these Terms or our services shall be resolved through binding arbitration, except where prohibited by law.
Arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association (AAA).
YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS.
Either party may seek relief in small claims court for disputes within that court's jurisdiction. Additionally, either party may seek injunctive or equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.
For any disputes not subject to arbitration, you agree to the exclusive jurisdiction of the state and federal courts located in Albuquerque, New Mexico.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Ray-Banks LLC regarding your use of our services.
We may modify these Terms at any time by:
Your continued use of our services after changes constitutes acceptance of the modified Terms.
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by us.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
These Terms do not create any third-party beneficiary rights.
Section headings are for convenience only and do not affect the interpretation of these Terms.
These Terms may be translated into other languages. In case of any conflict, the English version shall prevail.
For questions, concerns, or notices regarding these Terms:
Ray-Banks LLC
8206 Louisiana Blvd NE, Ste A #4845
Albuquerque, NM 87113
United States
Platform Support: Visit Help Center
Websites:
Corporate: raybanks.org
Platform: latanda.online
Legal Entity: Ray-Banks LLC (EIN: 37-2158338)
All legal notices and formal communications must be sent in writing to the address above or to our registered agent:
Republic Registered Agent Services Inc.
8206 Louisiana Blvd NE, Suite A
Albuquerque, NM 87113
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
If you do not agree with any part of these Terms, you must discontinue use of our services immediately.