User Agreement
Agreement between the online exchange service (Operator) and the Customer, governing the terms of exchange operations.
Parties to the agreement
Agreement is concluded between the online exchange service (the Operator) on the one hand, and the Customer on the other hand.
Definitions
Exchange of titular signs — automated online product provided by the Operator under these rules.
Customer — natural person who agrees to the Operator's terms.
Titular sign — conventional unit of a payment system corresponding to electronic settlements.
Application — information submitted by the Customer to use the Operator's services electronically.
Terms of agreement
The rules constitute a public offer formed when the Customer submits an application.
Time, date and parameters are created automatically. The offer must be accepted within 24 hours.
The agreement enters into force upon receipt of titular signs in full to the Operator's details.
Subject of agreement
The Operator undertakes to perform the exchange for a commission. Funds are transferred to the Customer's details.
Execution terms and liability
If the received amount differs from the application — recalculation. Excess over 10% — unilateral termination, refund minus transfer fees.
If titular signs are not sent within 24 hours — Customer may demand termination and refund within 24 hours.
If titular signs do not arrive on time — agreement is terminated. Late receipts are returned minus fees.
The Operator is not liable for delays caused by the settlement system.
On detection of forgery the application is suspended.
The Operator bears limited liability within these rules.
The Customer must not interfere with the Operator's software.
The Operator is not liable if the Customer provided incorrect details.
No liability for transfers to outdated details or wrong networks. Each exchange has unique details valid only during payment window. Refund (if possible) minus fees.
Customer must not mislead the Operator or forge documents. Any attempt — blacklist with monitoring services.
Transfers to/from third parties not allowed. Detection — freeze for 90 days, then refund to source.
Operator may require verification of documents, card, account or identity. Refusal — see 5.10.
Manual operator intervention for incorrect data — up to 5 USD.
Customer warrants details belong to them. Violation — freeze up to 40 days.
Service is automated. Support intervention for false data — up to 5 USD.
Any refund request includes 5% of exchange amount + network/bank fee + up to 5 USD manual fee.
Formula: Refund = 5% × amount + PSP fee + 5 USD
In case of overpayment Customer must return excess on first request. Refusal — auto-deduct from future applications.
Operator may refuse without explanation. Refund based on provided details, minus PSP fees.
Service is not an intermediary for narcotic substances. Transfers to suspicious sites strictly prohibited. Detection — refund minus 30%, blacklist.
On receipt of high-risk crypto — full identity verification. Refund of "dirty" funds minus 30%.
Third-party card payments strictly prohibited. Violation — freeze up to 90 days.
Cards linked to other accounts or virtual cards — application blocked. Refund per 5.10, 5.14, 13.4–13.6.
PayPal payments via linked cards prohibited. Only "For friends and family" from PayPal balance.
PayPal payments from RU, BY, IR not accepted. On receipt — freeze 90 days, refund only to source.
On PayPal payment via linked card — freeze up to 90 days. All risks on Customer.
On crypto receipt — mandatory AML/KYT check. Risk labels (High Risk, Sanctions, Darknet, Scam, Mixers, Fraud, Stolen, Gambling, CAM, TF) trigger KYC and source-of-funds requests.
On KYC/AML refusal — refund to sender. Costs on Customer.
On AML-risk refund — network and service fees fully retained.
On hot exchange wallet receipt and exchange freeze — refusal to verify means crypto is considered lost without recovery; decision is made by exchange, not Operator.
Warranty period
Within 24 hours after exchange execution the Operator provides a warranty.
Force majeure
On force majeure terms are postponed for the duration. Operator not liable for delays.
Form of agreement
Both parties accept this agreement as legally equivalent to a written contract.
UK, Germany and US cards
For UK / DE / US card holders transfer terms are extended for the time required for full data verification.
Claims and disputes
Claims are accepted as email describing the issue, sent to the Operator's contact details.
Conducting exchange operations
Use of service for illegal transfers and fraud is strictly prohibited. Customer bears criminal liability for fraud.
On automatic execution failure — refund within 24 hours minus fees.
Operator may share information with law enforcement and victims of court-proven fraud.
Customer must provide identity documents on suspicion of money laundering.
Customer must not interfere with the Operator's software/hardware.
Disclaimer of obligations
Operator may refuse to accept an application without explanation.
Service does not serve residents/citizens of RF and Belarus. VPN/proxy use to bypass — mandatory AML/KYC. Refusal — unilateral termination, refund minus up to 5%.
Cryptocurrency transactions
Crypto transactions are non-refundable. Verify details carefully. Cancellation/changes/refund are not possible.
If payment not received within 1 hour, the rate may be recalculated to current.
All AML / KYC / SoF procedures, risk assessment, and high-risk source handling are described in a separate policy:
Full AML / KYC / SoF policy →