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Transmission fluid. Only Volvo's? V70-XC70 2004

Have to change the transmission oil on sister's 2004 V-70 she just acquired. Apparently I can't use Mobil 1 ATF that I use on my 97 850. Volvo says warranty on the later model trannies will be void if you don't use theirs and something goes wrong with it. They want $21 a quart for theirs, takes 12 for a good flush. IPD says they sell an ATF oil that meets Volvo's standards, and that by some legal Act (can't remember what it is called), they can't void the warranty if you use an ATF oil specified for that transmission. IPD's oil sells for around $6 a quart, but it's not a full synthetic. Whether Volvo's $21 a quart ATF oil is a full synthetic I don't know. Can somebody please me which way to jump on this issue? Dick






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