Index: OFR 2026 - 537

DOCKETED 11/3/2026 LEGAL BH

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION

In Re:
TOUCH TO FIND LLC,
D/B/A PARCELADOPAYUSA,
D/B/A PARCELADO PAY,
D/B/A PARCELADOPAYUSA,
Petitioner.
Case Number: 142488

FINAL ORDER

This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.

2. The entry of this Final Order concludes the above-referenced matter.

ORDERED:

A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law.

B. The parties shall comply with all terms of the Stipulation and Consent Agreement.

DONE and ORDERED this '!;'f ~ day of November, 2026, in Tallahassee, Leon County, Florida.

Commissioner

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Touch to Find LLC d/b/a Parceladopayusa, d/b/a Parcelado Pay d/b/a Parceladousa by electronic mail to their Authorized Representative, Marcellus Serpa, at mserpa@exfidevivet.com at jay@sglawfl.com on this 3rd day of November, 2026.

Agency Clerk

Office of Financial Regulation
Post Office Box 8050
Tallahassee, FL 32314-8050
Email:
Agency.Clerk@flofr.gov
Tel: (850) 410-9889

EXHIBIT A

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

In Re:
TOUCH TO FIND LLC,
D/B/A PARCELADOPAYUSA,
D/B/A PARCELADO PAY,
D/B/A PARCELADOUSA,
Petitioner.

Case Number: 142488

STIPULATION AND CONSENT AGREEMENT

The State of Florida, Office of Financial Regulation ("Office"), and TOUCH TO FIND LLC d/b/a PARCELADOPAYUSA d/b/a PARCELADO PAY, and d/b/a PARCELADOUSA ("Touch to Find" or "Petitioner") in consideration of the mutual promises herein, recites, stipulates, and agrees as follows:

1. Background. Touch to Find LLC d/b/a Parceladopayusa, d/b/a Parcelado Pay d/b/a Parceladousa is a Florida Limited Liability Company. Alessandro Vargas Silva is a Member and 99 percent owner of Touch to Find; and Nicole Marcal Da Silva is a Member and One Percent Owner of Touch to Find. Both Alessandro Vargas Silva and Nicole Marcal Da Silva own Par Pay USA LLC. Par Pay USA LLC has a money transmitter license application pending with the Office since February 9, 2026. During the application process, the Office became aware that Touch to Find engaged in unlicensed money services business activities, as a money transmitter during the period of December 1, 2018 through February 9, 2026.

In lieu of initiating a formal proceeding, the parties are herein resolving the matters at issue.

2. Jurisdiction. The Office is the state agency charged with the administration and enforcement of chapter 560, Florida Statutes, and the rules promulgated thereunder. Section 560.125(1), Florida Statutes, requires that an entity engaging in money services business activity in Florida must be licensed unless exempt. Pursuant to section 560.105, Florida Statutes, the Office has jurisdiction to bring this administrative action against Petitioner.

3. Findings. Petitioner neither admits nor denies, but for purposes of this Stipulation and Consent Agreement, consents to the Office making the finding that Petitioner engaged in unlicensed money transmission activities during the period of December 1, 2018 through February 9, 2026, in violation of sections 560.125 and 560.204(1), Florida Statutes.

4. Terms and Conditions. The parties agree that the issue raised can be expeditiously resolved without litigation by the execution of this Stipulation and Consent Agreement. The parties acknowledge that they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms, duties, and responsibilities with respect to its contents. Therefore, in compromise and settlement of the foregoing findings and in consideration of the Office's forbearance from litigation, Petitioner agrees to the following terms and conditions:

a. FUTURE COMPLIANCE. Petitioner shall in the future comply with all the requirements of chapter 560, Florida Statutes, and the corresponding rules.

b. ADMINISTRATIVE FINE. Petitioner agrees to pay the Office an administrative fine in the amount of Twenty Thousand Dollars ($20,000.00), to be paid at the time of the execution and delivery of this Stipulation and Consent Agreement.

This administrative fine shall be submitted in the form of a wire, cashier's check, or money order made payable to "Office of Financial Regulation " and shall be sent to the attention of Agency Clerk- c/o Attorney Maria A. Guitian, Post Office Box 8050, Tallahassee, Florida 32314-8050. Petitioner acknowledges and agrees that in accordance with section 215.31, Florida Statutes, regarding the deposit of monies, (i) the tendered fine or settlement check may be deposited in advance of full execution or acceptance of the Stipulation and Consent Agreement; and (ii) such deposit shall not be construed as a final acceptance of the Stipulation and Consent Agreement absent full execution thereof and entry of a Final Order adopting same.

c. LICENSURE. The Office agrees to approve Par Pay USA LLC's pending application for a money services business/money transmitter license within one business day of the entry of the Final Order adopting this Stipulation and Consent Agreement.

5. Final Order. Petitioner consents to the entry of a Final Order, which incorporates the terms of this Stipulation and Consent Agreement. Petitioner understands and agrees that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final action by the Office for which the Office may seek enforcement pursuant to the provisions of chapters 560 and 120, Florida Statutes.

6. Waiver. By Petitioner's consent to the entry of a Final Order with respect to this proceeding, Petitioner waives:

a. Any right to separately stated Findings of Fact and Conclusions of Law;

b. Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes;

c. Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and

d. Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order.

7. Releases. Upon full execution of this Stipulation and Consent Agreement, Petitioner waives, releases, and forever discharges the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Petitioner may have arising out of this matter. The Office accepts this release and waiver by Petitioner on behalf of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.

8. Failure to Comply. Petitioner acknowledges, concurs, and stipulates that Petitioner's failure to comply with any of the terms, obligations, and conditions of this Stipulation and Consent Agreement, and the Final Order adopting it, is a violation of the written agreement and the Final Order entered pursuant to chapters 120 and 560, Florida Statutes. Such noncompliance may result in the issuance of an emergency cease and desist order. However, nothing herein shall be construed to limit Petitioner's right to contest any finding or determination of noncompliance.

9. Attorney's Fees. Each party herein shall be solely responsible for its separate costs and attorney fees incurred in the prosecution, defense, or negotiations in this matter up to and including the entry of the Final Order adopting this Stipulation and Consent Agreement.

10. Severability. The parties agree that if any provision of this Stipulation and Consent Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable.

11. Counterparts. This Stipulation and Consent Agreement may be executed in any number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature.

12. Entire Agreement. This Stipulation and Consent Agreement represents the entire

I

agreement by and between Petitioner and the Office. Any alterations, variations, changes, modifications, or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Petitioner hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office.

WHEREFORE, in consideration of the foregoing, the Office and Petitioner execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below.

TOUCH TO FIND LLC d/b/a PARCELADOPAYUSA d/b/a PARCELADO PAY, and d/b/a PARCELADOPAYUSA:

~
. ou~ ~-
_ Date:
10/16/2026
(Signature)
Name: Alessandro Vargas Silva
Title: Member and 99 Percent Owner of
Touch to Find LLC

State of Florida
County of Orange

Alessandro Vargas Silva, Member and 99 Percent Owner of Touch to Find LLC, BEFORE ME by means of [x] physical presence or [ ] online notarization, has sworn (or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same.

SWORN TO AND SUBSCRIBED before me this 16 day of October, 2026.

Check the appropriate box:
Personally known 0
OR Produced Identification ~
-
Type of identification produced [x] Driver's License D Passport D Other _ _____ _ (Do not include ID number)

Notary Public State of Florida
,
Janice Serrano
•
,
My Commission HH 440899
, · Expires 9/5/2027
1

5

TOUCH TO FIND LLC d/b/a PARCELADOPAYUSA d/b/a PARCELADO PAY, and d/b/a PARCELADOUSA:

(Signature)
Name: Nicole Marcal Da Silva
State of Florida
County of Orange

Nicole Marcal Da Silva

Date:
Title: Member and One Percent Owner of
Touch to Find LLC

10-16-2026

Nicole Marcal Da Silva, a Member and One Percent Owner of Touch to Find LLC, BEFORE ME by means of [X] physical presence or [ ] online notarization, has sworn (or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same.

SWORN TO AND SUBSCRIBED before me this 16 day of October, 2026.

Notary Public

Check the appropriate box:
Personally known [ ]
OR Produced Identification [X]
Type of identification produced [X] Driver's License [ ] Passport [ ] Other ___________ (Do not include ID number)

' .I..
Notary Public Stale of Florida I
, - Janice Serrano t , mfllr'1mm My Commliislon HH 440599 I , 1111 Expires 91512027

OFFICE OF FINANCIAL REGULATION

Bill Morin. Interim Director
Division of Consumer Finance

Bill Morin

Date:
11/3/2026 -----------