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Terms of Use

Coin-exchanger.com is an online site that allows users to safely buy, sell and / or exchange digital assets. This agreement (hereinafter referred to as the Agreement) describes the conditions on the basis of which the services of the "coin-exchanger.com" service are provided. Before using the services of the service, the User is obliged to read and accept all the terms of this agreement. Otherwise, the User cannot use the services of the service. This agreement is located for public access in the Internet at coin-exchanger.com and can be changed by the Service Manual unilaterally without additional notice to the User. The parties to this agreement are "coin-exchanger.com", hereinafter simply "Service" and any individual using the services of the Service, hereinafter referred to as "User".

Terms and definitions

  1. Coin-exchanger.com is a trademark that is the name for a platform for transferring electronic currencies of various payment systems, and offers its services through a special software interface for all Users.
  2. Service - a system for providing Internet services for the exchange, sale and purchase of electronic and fiat currencies.
  3. User is any natural or legal person using the services of the Service.
  4. Electronic currency is a monetary obligation between the developer of a given currency and its user, expressed in digital form.
  5. Payment system is a software and hardware product developed by a third party and is a mechanism for the implementation of accounting for monetary obligations, as well as the organization of mutual settlements between its users.
  6. Service services - conducting transactions between the User and the Service for the purchase and sale and exchange of electronic currencies, as well as other services, information about which is posted on the Service website.
  7. Payment - transfer of electronic currency or fiat funds from the User to the Service, as well as in the opposite direction.
  8. Application - an expression of the User's intention to use one of the services offered by the Service by filling out an electronic form through the Service website, on the terms described in the Agreement and specified in the parameters of this Application.
  9. Partner - a person who provides services to the Service to attract Users, the terms of which are described in this Agreement.
  10. Card verification is the verification of the ownership of the card (or account) to its owner. The conditions for checking ownership are set by the Service.
  11. Rate - the value ratio of two currencies when exchanging them.

Introduction

  1. Coin-exchanger.com is a trademark that is the name for a platform for transferring electronic currencies of various payment systems, and offers its services through a special software interface for all Users.
  2. Service - a system for providing Internet services for the exchange, sale and purchase of electronic and fiat currencies.
  3. User is any natural or legal person using the services of the Service.

Subject of the agreement

  1. The subject of this agreement is the sale and purchase services and currency exchange, as well as other services described on the Service website.
  2. The Service offers its services to all Users and does not supervise the User's operations in any of the Payment systems.
  3. Payment systems and / or financial institutions are solely responsible for the funds entrusted to them by the User. The Service cannot be a party to the agreement between the Payment System and / or the financial institution and the User and is in no way responsible for the incorrect or unauthorized use of the Payment System's capabilities by the User, as well as for the User's abuse of the Payment System functionality. The mutual rights and obligations of the User and the Payment system and / or financial institution are governed by the relevant agreements.
  4. Any completed operation for the purchase and sale and exchange of electronic currency, as well as any other operation offered by the Service to the User is considered non-cancellable, i.e. cannot be canceled by the User after its completion - the receipt by the User of funds due to him under the previously accepted terms of the transaction, expressed in electronic or fiat form.
  5. The Service has the right to suspend or cancel an ongoing operation if the authorized services receive information about the inappropriateness of the User's possession of electronic currencies or financial resources and / or other information that makes it impossible for the Service to provide services to the User and require additional identification of the User.
  6. The Service has the right to suspend or cancel an ongoing operation if the User violates the terms of this agreement, as well as refuse to further service the User without explaining the reason for this decision.
  7. The Service has the right to cancel the operation in progress and return the electronic currencies and / or fiat funds contributed by the User without giving any explanations.
  8. The user undertakes:
    • exclude any possible complicity in illegal trade and any other illegal operations using the services of the Service;
    • to exclude any possible complicity in financial fraud, not to use the Service in order to create and distribute financial pyramids, as well as to perform other actions that contradict legislation and legal norms;
    • exclude in their practice using the Service any actions, the implementation of which may cause direct or indirect harm to the fight against money laundering and legalization of funds obtained illegally.
    • use accounts, details, electronic wallets, bank cards belonging directly to the User to which the User has full access
    • do not use accounts, details, bank cards, e-wallets belonging to third parties.
  9. The Service undertakes to take all possible and available actions to prevent attempts at illegal trade, financial fraud and money laundering using the Service's services.
    • improving the Service to prevent direct or indirect use of the Service in activities that contradict the legislation aimed at combating illegal trade, financial fraud and money laundering;
    • follow the AML and KYC policy.
  10. The Service has the right to change the terms of the Loyalty Program and the Affiliate Program at its discretion.

Service Services

  1. Ordering the services of the Service and receiving information about the progress of the transaction by the User is made exclusively through contacts with a representative of the Service using the Online Support Chat
  2. The service offers its services without a lunch break and seven days a week, from 8.00 to 23.00 and will strive to provide the maximum number of hours per day. The procedure for processing the User's application by the Service is from 5 to 15 minutes.
  3. The services of Service is ordered by the User by sending an Application through the Service's website.
  4. Managing the process of buying and selling or exchanging, as well as obtaining information about the progress of the service by the User, is carried out using the appropriate user interface located on the Service's website, as well as using the online support chat.
    • y using the services of the Service, the User confirms that he legally owns and disposes of fiat money and electronic currency participating in the relevant Payment.
  5. Service for the Exchange of Electronic Currency or Fiat Funds.
    • By filling out the Application, the User instructs, and the Service, on its own behalf and at the expense of the User, performs actions to exchange the Electronic currency or fiat funds of one Payment system for the Electronic currency or fiat funds of another Payment system selected by the User.
    • The User undertakes to transfer electronic or fiat currency in the amount specified in the Application, and the Service, after receiving the corresponding electronic or fiat currency, undertakes to transfer to the User the electronic or fiat currency corresponding to the Application, calculated at the Rate and in accordance with with the tariffs of the Service.
    • The obligation of the Service to transfer electronic or fiat currency to the User is considered fulfilled at the moment of writing off the electronic or fiat currency in the corresponding Payment system from the Service's account, which is recorded in the history of transactions of the corresponding Payment system.
  6. Service for the sale of electronic or fiat currency to the User.
    • By filling out the Application, the User instructs, and the Service, on its own behalf and at the expense of the User, takes actions to acquire and transfer electronic or fiat currency to the User.
    • Within the time allotted by the regulations (depending on the direction of exchange) from the moment of receipt of funds from the User, in the amount specified in the relevant Application, the Service is obliged to transfer (transfer) the Received electronic or fiat currency to the details and in the amount specified by the User in the Application, if this are not hindered by force majeure.
    • The Service has the right to cancel an application created by the User for the purchase of electronic or fiat currency, if payment for such an application has not arrived at the service's settlement account after 60 (sixty) minutes have passed since the creation of such an application. The Service may, at its discretion, extend the waiting time for funds from the User if the delay in crediting funds is associated with delays in the operation of the payment system. (see p. 5.6 and p. 5.7)
    • The obligation of the Service to transfer (transfer) the Received electronic or fiat currency to the User is considered fulfilled at the moment of writing off the electronic or fiat currency in the corresponding Payment system from the Service account, which is recorded in the history of transactions of the corresponding Payment system.
  7. Service for the purchase of electronic or fiat currency from the User.
    • By filling out the Application, the User instructs, and the Service, on its own behalf and at the expense of the User, buys electronic or fiat currency from the User, and also takes actions to transfer the cash equivalent to the User in the amount specified in the Application.
    • Within the time allotted by the regulations (depending on the direction of exchange) from the moment of receipt of electronic or fiat currency from the User, in the amount specified in the relevant Application, the Service is obliged to transfer to the User the monetary equivalent of the transferred electronic or fiat currency in the manner chosen by the User when creating the Application.
    • The obligation of the Service to transfer the monetary equivalent of the transferred electronic or fiat currency is considered fulfilled at the time the corresponding amount is debited from the account of the Service.
    • The moment of receipt of the electronic currency is considered the crediting of funds to the details of the Service after the 2nd (second) confirmation of the Payment system network.
  8. Additional terms of service
    • If Service does not receive fiat currency from the User within 60 (sixty) minutes from the time of the Application, the Service has the right to cancel such Application. The rate of the received electronic currency is fixed at the time the electronic currency is credited to the details of the Service, after the 2nd confirmation of the Payment system network. If the User is not satisfied with the Course, the Service can make a refund, at the request of the User, when making a return, all commission costs for transferring funds are made from the funds received at the expense of the User.
    • If the amount of the received electronic asset or funds differs from that declared by the User and indicated by him in the application, the Service can unilaterally cancel the Application and return the funds received to the payer's details. When making a refund, all commission costs for the transfer of funds are made from the funds received at the expense of the User.
    • If the Service does not fulfill the conditions for sending electronic or fiat funds on the Application to the details specified by the User within the time allotted by the regulations, the User has the right to demand the return of the electronic asset or funds in full, except as otherwise specified in this Agreement. The request for the return of electronic or fiat funds can be fulfilled by the Service only if, at the time of receipt of such a request, the monetary equivalent was not sent by the Service to the User to the details specified by the User. An increase in the term for transferring electronic or fiat funds may be caused by the conditions for processing applications of individual Payment Systems, in this case, the Service is not responsible and no return is made.
    • The rate of electronic or fiat currency is fixed by the Service at the time the funds are credited to the account / wallet of the Service, the Service automatically updates the rate. If the User does not agree to carry out the operation at the updated rate, the Service can return electronic or fiat funds at the request of the User. If the Service is unable to transfer funds through the fault of the User for a long time, the payment rate will be changed to the current one when these negative circumstances are eliminated and the transfer is possible. All commission costs for the transfer are made from the funds received at the expense of the User.
    • When exchanging or selling cryptocurrencies, the User undertakes to indicate the appropriate commission recommendations to the network. The Service does not guarantee the execution of the purchase and sale or exchange operation within the terms established by this Agreement if the conditions on the commission by the User are not met.
    • Special conditions of some Payment systems:
      1. Bank payments are processed by the Service within 30 minutes, the Service may require Verification of the client's card (account);
      2. Bank transfers in the direction of Visa / Mastercard in most cases are credited instantly, but in some cases it can take up to 5 banking days
      3. When sending cryptocurrencies (Bitcoin, Ethereum, etc.), even when choosing a commission that is recommended by the payment system, the speed of funds transfer can exceed 24 hours.
      4. Perfect Money can sometimes delay transfers for more than 24 hours;
      5. If the amount of cryptocurrency (Bitcoin, Ethereum and others) sent by the User is less than 0.0010, the funds will not be returned;
    • If the Application using cryptocurrencies (Bitcoin, Ethereum and others) is completed, no refund is possible;

Cost of services

  1. Tariffs are determined by the management of the Service and are included in the Course. The Service management has the right to change the Service tariffs without further notice.
  2. In addition to the established rates, the User also reimburses all additional costs for postage, telephone, fax, etc., arising in the course of business relations with the Service.

Taxation

  1. The Service is not a tax agent for the User and will not notify the User about his tax costs. The user undertakes to independently pay all taxes required by the tax legislation of his place of residence.
  2. In the event that the authorities require the Service to pay the User's taxes or cover the debt arising from the User's refusal to pay taxes, the User agrees to reimburse the Service for all these payments.

Warranties and liability of the parties

  1. The Service provides its services "as is" as they are described on the pages of the Service website and does not offer any additional guarantees.
  2. The Service guarantees the fulfillment of obligations to the User only within the limits of the amounts entrusted to the Service by the User to carry out the purchase and sale or exchange operation.
  3. The Service will make every effort, but does not guarantee that its services will be available 24/7. The Service does not bear any responsibility for losses, lost profits and other costs of the User resulting from the impossibility of gaining access to the website and services of the Service.
  4. The Service does not bear any responsibility for losses, lost profits and other costs of the User resulting from delays, errors or failures in making bank payments or electronic transfers.
  5. The Service does not bear any responsibility for losses, lost profits and other costs of the User resulting from erroneous expectations of the User regarding the tariff rates of the Service, the profitability of transactions and other subjective factors.
  6. The service is not responsible and does not compensate for losses in the event of an imperfect exchange due to incorrectly specified details when placing an application by the user and does not undertake to take actions to return such funds.
  7. The User guarantees compensation for losses of the Service (management company, managers and employees) in cases of claims or claims directly or indirectly related to the use of the Service by the User.
  8. The user guarantees that he is the owner or has legal grounds for disposing of the amounts used in his transactions. In case of transfer of details or a link for payment to a third party, such an application will be suspended for full identification of the payer.
  9. The User undertakes not to falsify communication flows related to the operation of the Service.
  10. The user acknowledges that the content of the Service website falls under the protection of legislation on the protection of property rights, intellectual property and copyright. Unauthorized use of this content is illegal.
  11. The user guarantees his non-participation in any fraudulent schemes and has no claims to the service in case of payment.
  12. The User undertakes not to abuse the actions of bonus and partner programs of the Service and services friendly to him, and also not to create systematically deliberately unpaid applications.
  13. The user is obliged to indicate in the note to the payment the wording prescribed by the Service. In the absence of such a comment, the service reserves the right to initiate the refund procedure. In case of suspicion of fraudulent origin of the payment, the refund can be made through the support service of the payment system and take up to 6 days.
  14. Any refund procedure for any reason can take from 30 minutes to 7 calendar days, depending on the payment system. Any unmotivated refund (request for a refund in order to cancel the transaction; there is no way to make a transfer to the exchange details and the client cannot provide alternative details to complete the exchange; the client grossly violates the current exchange rules and allows himself an insult to the Service) is made with a deduction of 5% of refund amount + payment system commission.
  15. The Service does not prohibit exchanges to the accounts of third parties, but the Service is not responsible for the actions of these persons after receiving funds from our exchange service. Conduct transactions only with wallets and accounts to which you have full access.
  16. The service has the right to request verification of any user and his payment data. The administration has the right to request verification for any identity documents, as well as a photo with a document in hand.

Force majeure

  1. Neither the User nor the Service will be responsible to each other for delays or failure to fulfill their obligations arising from the occurrence of force majeure circumstances, including natural disasters, fire, floods, acts of terrorism, change of government, civil unrest, as well as the failure of the Payment systems, systems power supply, communication networks and Internet service providers.

Final provisions

  1. The parties have entered into this Agreement in electronic form and recognize it as equivalent in legal force to an agreement concluded in writing.
  2. The Service has the right to send the User to the e-mail specified by him information about the status of the exchange process, as well as other information, including advertising.
  3. All disputes and disagreements that have arisen or may arise from this Agreement are subject to resolution through negotiations on the basis of a written application from the User. Either Party has the right to apply for a dispute resolution to the court at the location of the Service.
  4. Information on the site, including graphics, text information, program codes, etc. is the property of coin-exchanger.com and is protected by copyright laws. Each case of unauthorized copying (full or partial) can be prosecuted under the current legislation.