Ultralight Ebike Pedals | Aluminium Alloy Build & Smooth Bearings

Regular price $85 AUD
Colour

Shipping & Delivery

Shipping (Australia)

We offer FREE Australia wide shipping on Cooly Bikes.

Dispatch & delivery times

  • Most orders ship within 1–2 business days (when in stock)
  • Delivery is typically 1–7 business days depending on your location

Tracking

Once your order is on the way, you’ll receive tracking details so you can follow your delivery.

Fully assembled e-bike delivery (Eastern Seaboard major cities)

For most major cities on the Eastern Seaboard of Australia, we can ship your e-bike fully assembled.

  • Your bike arrives protected and ready for a quick safety check
  • Before your first ride, check tyre pressure and do a quick once-over

Boxed e-bike delivery (other areas)

For locations outside major Eastern Seaboard cities, your e-bike may arrive boxed for safe transport.

  • Packaged to protect it in transit
  • Basic assembly may be required, for example:Fit front wheelFit handlebarsFit pedals

If you’re unsure which option applies to your address, contact us and we’ll confirm before you order.

Local pickup (Coolangatta)

Prefer to collect? Pickup is available from our Coolangatta showroom. Choose pickup at checkout and we’ll contact you to organise a time.

Remote areas

Some remote locations may take a little longer. If you’re unsure, contact us and we’ll confirm delivery timing.

Your Cooly is on the move.

Enter your tracking number below to check the latest available delivery updates for your order.

You'll find your tracking number in your shipping confirmation email.

What to expect

From dispatch to delivery

Dispatch 1–2 business days

Most in-stock orders dispatch within approximately 1–2 business days.

Delivery 1–7 business days

Delivery typically takes 1–7 business days depending on your location.

Remote areas may take longer.

Tracking not showing yet?

Tracking can take a little time to appear after your shipping confirmation is sent.

If your tracking information has not updated yet, check again a little later.

Cooly Crew support

Need help with your delivery?

If something does not look right or you need help finding your order, contact the Cooly Crew.

Please have your:

Order number Tracking number

ready so we can look into it for you.

Gold Coast roots. Australia-wide support.

Cooly Bikes Warranty

Warranty

Every Cooly Bike comes with a 1-year comprehensive warranty for peace of mind.

What’s covered

Warranty covers manufacturing faults in key components, including:

  • Frame
  • Motor
  • Battery
  • Controller
  • Display
  • Charger and electrical components

What’s not covered

Warranty does not cover:

  • Normal wear and tear (tyres, tubes, brake pads, grips, cosmetic marks)
  • Damage from misuse, accidents, water damage, neglect or improper storage
  • Unauthorised modifications or repairs
  • Use outside intended conditions or failure to follow care instructions

How to make a claim

To lodge a warranty claim, contact our team with:

  • Your order number
  • A clear description of the issue
  • Photos or video showing the problem

We’ll assess it quickly and guide you through the next steps.

Australian Consumer Law

Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage.

Ownership Support

1 Year Comprehensive Warranty

At Cooly Bikes, we stand behind the bikes we sell.

Every eligible Cooly Bike is backed by our 1 Year Comprehensive Warranty, covering the specified components below against applicable manufacturing faults and defects during the warranty period.

If something doesn’t seem right, our team is here to help work through the issue and get you pointed towards the right solution.

Our voluntary warranty sits alongside your rights and remedies under Australian Consumer Law.

1 Year Comprehensive Warranty
8 Covered Components
Transferable Within the Original Warranty Period
ACL Rights Remain Separate
Your Consumer Rights Come First

Our goods come with guarantees that cannot be excluded under the Australian Consumer Law.

You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage.

You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

The benefits provided by the Cooly Bikes 1 Year Comprehensive Warranty are additional to any other rights and remedies available to you under Australian Consumer Law.

Warranty Coverage

What's Covered for 1 Year?

The following components are covered under the Cooly Bikes voluntary warranty for 1 year:

Frame 1 Year
Motor 1 Year
Battery 1 Year
Controller 1 Year
Display 1 Year
Charger 1 Year
Flywheel 1 Year
Speed Control Switch 1 Year
How It Works

Straightforward Support From Day One

Starts From the date the original customer takes delivery.
Covers Applicable manufacturing faults and defects affecting covered components.
Transferable The remaining original warranty period may transfer with qualifying proof of purchase.
Does Not Restart Changing ownership does not reset or extend the original one-year period.
ACL Your Australian Consumer Law rights remain separate.

Our 1 Year Comprehensive Warranty is a voluntary warranty provided by Cooly Bikes. It is in addition to your rights and remedies under Australian Consumer Law, and those rights are not limited to the one-year voluntary warranty period. Consumer guarantees apply automatically and cannot be excluded, restricted or replaced by this warranty.

The 1 Year Comprehensive Warranty begins from the date the original customer takes delivery of the product.

The one-year period applies to the voluntary Cooly Bikes warranty. It does not limit any consumer guarantee or other statutory right that may continue to apply beyond that period.

Transfer of Ownership

The Cooly Bikes 1 Year Comprehensive Warranty is transferable with the bike for the remaining balance of the original one-year warranty period.

A subsequent owner may access the remaining voluntary warranty period provided they can supply satisfactory proof that the bike was originally purchased through Cooly Bikes or an authorised Cooly Bikes distributor/dealer.

Transfer of ownership does not restart, reset or extend the warranty period. The one-year warranty continues to run from the date the original customer took delivery of the product.

For example, if ownership transfers six months after the original customer takes delivery, the subsequent owner may access the remaining six months of the voluntary warranty, subject to the warranty terms and satisfactory proof of the original qualifying purchase.

This transferability provision relates specifically to the Cooly Bikes voluntary warranty. Australian Consumer Law rights and remedies remain separate and unaffected.

What the Cooly Bikes Warranty Covers

During the warranty period, the Cooly Bikes voluntary warranty covers applicable manufacturing faults, defects or failures affecting the covered components where the issue arises during normal intended use of the product.

If a claim is covered by the voluntary warranty, Cooly Bikes will arrange an appropriate remedy depending on the nature of the fault and the circumstances.

This may include:

  • Repair
  • Replacement of an affected component
  • Authorised service support
  • Another appropriate remedy available under the voluntary warranty

Your remedies under Australian Consumer Law may differ depending on the circumstances and remain unaffected by this voluntary warranty.

Warranty Claims

Need to Make a Claim?

We've kept the process straightforward.

01
Email Our Warranty Team

To start a warranty enquiry or claim, email:

There is no separate online warranty claim form.

02
We'll Assess the Issue

Our team will review the information provided.

Depending on the issue, we may need to carry out troubleshooting, request additional information, arrange an inspection, request photos or video, or arrange assessment by an authorised service provider.

03
We'll Arrange the Appropriate Next Step

If the issue is covered by the Cooly Bikes voluntary warranty, we'll arrange an appropriate remedy based on the circumstances.

This may include repair, replacement of an affected component, authorised service support or another appropriate remedy available under the voluntary warranty.

Nothing in this process limits any remedy available to you under Australian Consumer Law.

Depending on the issue, we may ask for:
  • Your name and contact details
  • Order details or other proof of purchase
  • Bike model
  • Serial number, where relevant
  • A clear description of the issue
  • Photos
  • Video, where relevant
  • Other reasonable diagnostic information relevant to the claimed fault
Bike Registration

The Cooly Bikes Bike Registration form is separate from the warranty claim process. Registration does not activate or commence the warranty.

Claim Information

What Counts as Proof of Purchase?

We may ask for proof of purchase so we can identify the transaction and assess the claim.

A paper receipt is not necessarily the only acceptable form of proof. Relevant proof may include an order confirmation, transaction record, card or bank statement, receipt or reference number, or other documentation that reasonably establishes the original qualifying purchase.

Order confirmation
Transaction record
Card or bank statement
Receipt
Reference number
Other reasonable purchase documentation
Warranty Details

Things to Know

When the Voluntary Warranty May Not Apply

The Cooly Bikes voluntary warranty does not generally cover damage or failure caused or contributed to by:

  • Accident, collision, impact, abuse or misuse
  • Stunts, freestyle riding or other use outside the product's intended operation
  • Fire, flood, storm or other external events
  • Water or environmental exposure where the issue was not caused by a covered manufacturing defect
  • Rust, corrosion or environmental deterioration arising through use, storage or exposure rather than a covered defect
  • Foreign objects, debris or external contamination
  • Normal wear and tear
  • Poor, inappropriate or neglected maintenance where that maintenance issue caused or contributed to the fault
  • Incompatible parts or components where they caused or contributed to the fault
  • Unauthorised modification, derestriction or tampering where it caused or contributed to the fault
  • Unauthorised repairs or associated work where they caused or contributed to the fault
  • Operation outside the model's approved configuration where that operation caused or contributed to the fault
  • Transport damage arising from transport independently arranged by the customer where that damage was not caused by Cooly Bikes or its authorised freight provider

These exclusions apply to the Cooly Bikes voluntary warranty only. They do not exclude, restrict or remove any rights or remedies that cannot lawfully be excluded under Australian Consumer Law.

Normal Wear & Consumable Parts

Bikes contain components that naturally wear through normal use.

Normal wear and tear is not generally a manufacturing defect and is therefore not normally covered by the Cooly Bikes voluntary warranty.

Examples may include:

  • Tyres
  • Tubes
  • Brake pads
  • Bearings
  • Seats and other contact surfaces
  • Other consumable components

This does not mean a wear or consumable component can never be covered. If a component has a genuine manufacturing fault or defect, rights under this warranty or Australian Consumer Law may still apply depending on the circumstances.

Looking After Your Cooly

Regular maintenance helps keep your bike safe, reliable and riding the way it should.

We recommend servicing your bike appropriately for how often and where you ride it.

Damage caused or contributed to by neglected or inappropriate maintenance may fall outside the Cooly Bikes voluntary warranty.

Simply missing a service does not remove rights that may otherwise exist under Australian Consumer Law.

View our service menu and book here →
Modifications & Approved Configuration

Cooly Bikes sells genuinely separate product configurations designed for different intended uses.

Unauthorised modification, derestriction, tampering, incompatible components, unauthorised repairs or operation outside the model's approved configuration may affect the Cooly Bikes voluntary warranty where they caused or contributed to the fault being claimed.

A modification, component or repair does not automatically cancel the entire voluntary warranty merely because it exists.

Australian Consumer Law rights remain unaffected.

Returns for Assessment

Freight, Transport & Assessment

There is no fee to submit a voluntary warranty claim.

Because e-bikes are large and heavy products, please contact Cooly Bikes before arranging return freight or transport for a warranty claim.

Easy to Return

Where a product or component can reasonably be posted or easily returned, Cooly Bikes may ask the customer to initially pay the applicable reasonable postage, freight or transport cost for assessment.

Where assessment by a qualified Cooly Bikes mechanic confirms a manufacturing fault covered by the voluntary warranty, Cooly Bikes will reimburse the reasonable approved postage, freight or transport cost.

Large or Heavy to Return

Where a faulty product is large, heavy or difficult to return, including a complete eBike where applicable, Cooly Bikes will arrange or cover appropriate collection or transport where required by Australian Consumer Law.

Reimbursement

Approved reimbursement will be processed within 10 days of approval.

Please keep receipts or other reasonable evidence of approved postage, freight or transport expenses associated with a claim.

There is no blanket policy stating that assessment, inspection, collection, freight or transport charges automatically apply simply because a claimed fault is ultimately found not to be covered.

Where a bike or component needs to be transported, please package it securely and follow any reasonable transport instructions provided by Cooly Bikes.

Nothing in this section limits your rights or remedies under Australian Consumer Law.

Authorised Dealer Purchase

Purchased Through an Authorised Cooly Bikes Dealer?

If you purchased your Cooly Bike through an authorised dealer, please contact that dealer in the first instance for assistance.

They will often be the quickest starting point because they have the original sale details and may be able to inspect the bike locally.

Cooly Bikes also remains available to assist with applicable warranty enquiries.

Warranty Provider
Cooly Bikes
Legal entity:
Michael Groome trading as Cooly Bikes

Trading name:
Cooly Bikes

Warranty address:
Beach House Plaza Shop 11
52–58 Marine Parade
Coolangatta QLD 4225

Warranty email:
warranty@coolybikes.com

Warranty phone:
07 5518 3478
Warranty commencement The 1 Year Comprehensive Warranty begins from the date the original customer takes delivery of the product.
Transferability The warranty may transfer with the bike for the remaining balance of the original one-year warranty period, subject to satisfactory proof of the original qualifying purchase. Transfer does not restart, reset or extend the warranty period.
Make a warranty claim Email warranty@coolybikes.com.
We're Here to Help

Not Sure If It's a Warranty Issue?

Email warranty@coolybikes.com or call 07 5518 3478 and our team will help you work out the right next step.

For routine servicing or maintenance, use our Service Booking page.

Gold Coast roots. Australia-wide support.

Ultralight Ebike Pedals: Premium Aluminium Performance & Speed

Robust aluminium alloy pedals with smooth bearings - $85
Step up your ebiking game with the Ultralight Ebike Pedals - the premium performance solution that keeps you riding smooth and fast with professional-grade efficiency. Made from tough yet lightweight aluminium alloy, these aren't just pedals; they're your gateway to featherlight performance that reduces weight without compromising durability, giving you that extra edge on the road whether you're conquering Gold Coast coastal paths or navigating demanding urban environments with speed and agility.

Why Choose Ultralight Aluminium Pedals?

Robust Aluminium Alloy - Tough, lightweight construction for premium performance
Smooth Bearing System - Optimal power transfer for maximum efficiency
Ultralight Design - Featherweight performance enhances speed and agility
Ample Platform Space - Secure pedalling with professional comfort
E-Bike Optimised - Engineered specifically for electric bike demands

Complete Performance Specifications

Material & Construction
  • Material: Premium aluminium alloy construction for optimal strength-to-weight ratio
  • Weight: Ultralight design reduces rotational weight for enhanced performance
  • Durability: Robust construction withstands demanding e-bike applications
  • Corrosion Resistance: Aluminium alloy resists corrosion and weather degradation
  • Finish: Professional-grade surface treatment for lasting appearance
  • Quality Standards: Premium materials meet demanding performance requirements
Bearing & Performance System
  • Bearing Type: Smooth, precision bearing system for optimal power transfer
  • Efficiency: Maximises pedalling efficiency and reduces energy loss
  • Power Transfer: Direct, immediate response for professional performance
  • Maintenance: Low-maintenance design for reliable long-term operation
  • Smoothness: Effortless pedalling action reduces rider fatigue
  • Professional Grade: Quality bearings handle increased e-bike demands
Platform & Design Features
  • Platform Size: Ample space provides secure foot placement and comfort
  • Weight Distribution: Optimised design distributes pressure evenly
  • Grip System: Secure pedalling surface for confident foot placement
  • Aerodynamics: Sleek design reduces wind resistance for speed enhancement
  • Ergonomics: Professional platform design supports natural pedalling motion
  • Aesthetic Appeal: Premium appearance complements high-end e-bike styling

Ultralight Performance Advantage

Weight Reduction: The ultralight design significantly reduces rotational weight, enhancing acceleration, climbing performance, and overall bike agility for a more responsive riding experience.
Speed Enhancement: Reduced pedal weight improves pedalling efficiency and reduces energy expenditure, allowing you to maintain higher speeds with less effort.
Agility Improvement: Lighter pedals enhance bike handling and manoeuvrability, making quick direction changes and technical riding more effortless and precise.
Performance Edge: The weight savings provide a measurable performance advantage that serious riders can feel during acceleration, climbing, and extended riding sessions.

Perfect for High-Performance Riding

Competitive Performance: Ideal for riders who demand the highest performance from their equipment, whether for competitive riding, serious training, or professional applications.
Speed-Focused Riding: Perfect for riders who prioritise speed and efficiency, providing the lightweight performance needed for fast coastal rides and urban sprinting.
Technical Riding: Excellent for demanding riding situations where weight reduction and precise control make a significant difference in performance and handling.
Premium Applications: Great for high-end e-bikes where every component is selected for maximum performance and professional-grade quality.

Compatible with All Cooly Models

Cooly Cruiser & Cruiser Pro:
  • Premium upgrade for enhanced coastal performance ($2,199-$2,499)
  • Ultralight design complements the sophisticated, performance-oriented aesthetic
  • Smooth bearings enhance the comfortable, efficient riding experience
Cooly Ripper:
  • Essential for adventure performance and weight reduction ($2,249)
  • Robust construction handles demanding off-road and trail conditions
  • Ultralight design improves climbing and technical riding performance
Cooly Breeze:
  • Ideal for commuter efficiency and urban performance ($2,799)
  • Professional appearance with premium performance for serious transport
  • Weight reduction enhances daily riding efficiency and speed
Premium Application:
  • Perfect for Cooly Bolt ($3,499) where premium components match the bike's high-end specifications
  • Compatible with Cooly Grom ($1,999) for performance-focused young riders
  • Professional performance for any riding style demanding the best

Smooth Bearing System Technology

Optimal Power Transfer: The precision bearing system ensures every watt of pedalling power is transferred efficiently to the drivetrain, maximising performance and battery range.
Professional Smoothness: Ultra-smooth bearing operation eliminates friction and resistance, providing effortless pedalling that reduces fatigue during extended rides.
Immediate Response: Direct power transfer provides immediate response to pedalling input, enhancing control and performance in all riding situations.
Long-Term Reliability: Quality bearings maintain smooth operation over extended periods, ensuring consistent performance and minimal maintenance requirements.

What's Included

  • Ultralight Ebike Pedals with premium aluminium alloy construction (pair)
  • Smooth precision bearing system for optimal power transfer
  • Ultralight design for enhanced speed and agility performance
  • Ample platform space for secure, comfortable pedalling
  • Professional-grade finish for lasting appearance and durability
  • Standard pedal thread compatibility for universal installation
  • Quality guarantee for performance and construction

Customer Performance Stories

"The ultralight pedals transformed my Cruiser Pro's performance. The weight reduction is noticeable during acceleration, and the smooth bearings make every ride more efficient. Premium quality!" - Sarah M., Gold Coast
"Love the aluminium construction on my Ripper - so much lighter than the standard pedals. The power transfer is incredible for trail climbing and technical riding. Best upgrade I've made." - Mark T., Byron Bay
"Perfect for daily commuting on my Breeze. The weight savings and smooth operation make every ride faster and more enjoyable. Professional quality that's worth the investment." - Emma K., Brisbane

Premium Performance Applications

Competitive Riding:
  • Weight reduction provides measurable performance advantage
  • Smooth power transfer maximises efficiency and speed
  • Professional-grade construction handles demanding competitive use
  • Premium appearance suitable for high-level cycling applications
Speed-Focused Commuting:
  • Ultralight design enhances urban riding speed and agility
  • Efficient power transfer reduces energy expenditure
  • Professional appearance suitable for business environments
  • Durable construction handles frequent daily use
Adventure Performance:
  • Robust aluminium construction withstands demanding trail conditions
  • Weight reduction improves climbing and technical riding performance
  • Smooth bearings maintain efficiency during extended adventures
  • Premium quality ensures reliability in challenging environments
Premium Recreation:
  • High-end performance for discerning recreational riders
  • Weight savings enhance enjoyment during extended rides
  • Professional quality matches premium e-bike specifications
  • Sleek appearance complements sophisticated bike styling

Investment in Premium Performance

$85 - Professional-grade ultralight aluminium pedals
✅ Robust aluminium alloy construction for premium strength-to-weight ratio
✅ Smooth precision bearing system for optimal power transfer
✅ Ultralight design enhances speed, agility, and climbing performance
✅ Ample platform space provides secure, comfortable pedalling
✅ E-bike optimised for demanding electric bike applications
Upgrade to premium performance today - Chat with our performance specialists or call 07 5518 3478

Professional Installation

Expert Setup Process:
  1. Remove existing pedals using appropriate pedal tools and techniques
  2. Clean pedal threads on both crank arms thoroughly
  3. Install ultralight pedals ensuring proper thread direction and torque
  4. Test bearing smoothness and pedal operation
  5. Verify secure installation and optimal performance
Professional Service: Expert installation available to ensure optimal setup and performance calibration for your specific bike and riding requirements.
Performance Optimisation: Our specialists can provide guidance on pedal selection and setup for maximum performance benefits and riding efficiency.

Care & Maintenance

Maintaining Premium Performance:
  • Regular cleaning to preserve aluminium finish and bearing smoothness
  • Periodic inspection of bearing operation and pedal security
  • Keep pedal threads properly maintained and lubricated
  • Monitor for any signs of wear or performance degradation
Longevity Tips:
  • Protect from excessive impact that could damage bearings or platform
  • Regular maintenance preserves both performance and appearance
  • Proper installation ensures long-term reliability and safety
  • Professional service available for bearing maintenance or replacement

Professional Quality Assurance

Performance Standards: The ultralight aluminium pedals meet professional quality standards for materials, construction, and performance in demanding e-bike applications.
Durability Testing: Extensive testing ensures the pedals maintain both lightweight performance and robust durability under Australian riding conditions.
Efficiency Guarantee: Full assurance of optimal power transfer and smooth bearing operation for maximum pedalling efficiency.
Expert Support: Professional guidance available for installation, performance optimisation, and maintenance throughout the pedals' service life.

Why Premium Pedals Matter

Performance Foundation: Premium pedals are critical for maximising power transfer efficiency, reducing weight, and enhancing overall bike performance and rider experience.
Weight Advantage: Ultralight construction provides measurable performance benefits through reduced rotational weight and improved acceleration response.
Efficiency Enhancement: Smooth bearing systems dramatically improve pedalling efficiency, reducing energy expenditure and extending battery range.
Professional Difference: Premium materials and construction deliver superior performance, durability, and reliability compared to standard components.

Technical Specifications

Weight Optimisation: Engineered for minimum weight while maintaining structural integrity and durability for demanding e-bike applications.
Power Transfer Efficiency: Precision bearing system minimises energy loss and maximises the transfer of pedalling power to the drivetrain.
Material Science: Premium aluminium alloy provides the optimal balance of strength, weight, corrosion resistance, and manufacturing precision.
Professional Standards: Meets or exceeds quality standards for competitive cycling and high-performance e-bike applications.

Bundle Enhancement Options

Complete Performance Upgrade:
  • Ultralight pedals + premium components + performance accessories
  • Comprehensive performance enhancement for maximum riding efficiency
  • Perfect for serious riders demanding the highest performance
Weight Reduction Package:
  • Ultralight pedals + lightweight accessories + performance optimisation
  • Complete weight reduction strategy for enhanced speed and agility
  • Ideal for competitive riders and performance enthusiasts

Aluminium Alloy Advantages

Strength-to-Weight Ratio: Premium aluminium alloy provides exceptional strength while maintaining ultralight weight for optimal performance benefits.
Corrosion Resistance: Superior resistance to Australian coastal conditions, salt air, and weather exposure ensures lasting performance and appearance.
Precision Manufacturing: Aluminium alloy allows for precise manufacturing tolerances and consistent quality control for professional-grade performance.
Thermal Properties: Excellent heat dissipation properties maintain consistent performance even during demanding riding conditions.

Ample Platform Design

Secure Foot Placement: Generous platform size provides stable, secure foot positioning for confident pedalling in all riding conditions.
Comfort Enhancement: Larger platform distributes pressure more evenly, reducing hot spots and improving comfort during extended rides.
Control Improvement: Ample platform space enhances pedalling control and precision, especially important for technical riding and performance applications.
Professional Standards: Platform size optimised for serious cycling applications where both comfort and performance are critical.

Ultralight performance. Premium construction. Professional efficiency. Ultralight Ebike Pedals - because serious riders deserve the ultimate combination of weight reduction, smooth power transfer, and robust aluminium quality that delivers measurable performance advantages.
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e-Bike Financing Made Easy with Lend Co.

Lendco Finance has partnered with Cooly Bikes to bring you a smarter, more flexible way to own your dream eBike. Whether you're commuting, cruising, or exploring off-road, our tailored finance solutions make it easy to get moving, without the upfront cost. We understand that everyone’s journey is different. That’s why we offer custom payment plans designed around your lifestyle and budget. 

Ready to ride? Try our loan calculator and apply now to own your Cooly Bike with flexible payment terms that work for you.

*Rates starting from 5.95%. All rates depend on credit profile and lender policy. For quoting, we suggest using 12.50% as a standard and 15.78% for lower credit profiles. This calculator provides general information only and does not constitute a formal finance offer. Cooly Bikes s not a credit provider and does not offer financial advice. Finance is independently provided by our third-party partner and all applications are subject to their approval criteria and terms.