Know Your Customers
1. DEFINITIONS AND ABBREVIATIONS
1.1 Company – Ex-point service company.
1.2 Client – a natural or legal person to whom the Company provides services.
1.3 Money laundering – concealment or disguise of the true nature, source, location, location, transfer, possession or other rights regarding property obtained as a result of criminal activity or property obtained from it. Modification, transfer, acquisition, possession or use for the purpose of concealment, concealment of the illegal origin of property or assistance to a person who participated in criminal activity in order to avoid the legal consequences of his/her actions. Money laundering also occurs when criminal activity that led to the acquisition of property used for money laundering occurred on the territory of another State.
1.4 Terrorist financing refers to the distribution or receipt of funds, according to articles of the Criminal Code, for planning or ordering the execution of actions that are terrorist, or for the financing of terrorist organizations, or possession of information that such funds are used for these purposes.
1.5 International sanctions are measures of unarmed influence determined by the European Union, the United Nations, another international organization or the Government of the Republic for the purpose of achieving or supporting peace, preventing conflicts and strengthening international security, as well as supporting and strengthening democracy, the rule of law, human rights and international law.
1.6 A Politically vulnerable person (PEP) is an individual who performs or has performed important functions of a state body, including the role of the head of the country, head of government, minister and deputy or assistant minister, member of parliament or similar legislative body, member of the party leadership, member of the Supreme Court, member of the board of directors, administrative or executive officer of a state enterprise, head of an international organization, deputy head and member of a governing body or similar institution.
1.7 A PEP family member is an individual who is considered the equivalent of the spouse(s) of this person, the child of this person and a person who is considered the equivalent of the spouse(s) of this person or the parent of this person.
1.8 A person close to PEP – it means an individual who, according to publicly available information, is the beneficial owner or co-owner of a legal entity or enterprise with a citizen of the country or a local resident, has close business relations with a citizen of the country or a local resident, or an individual who is the sole beneficial owner of a legal entity or an enterprise that, according to publicly available information, was successfully established in favor of a citizen of the country or a local resident.
1.9 The AML Law – describes measures of assistance in suppressing the legalization of illegal income declaration.
2. GENERAL PROVISIONS
2.1 This Manual has been prepared on the basis of the AML Law and the International Sanctions Law and is intended for internal use.
2.2 This Manual sets out internal security measures to comply with the requirements of due diligence to prevent money laundering and terrorism, as well as the requirements of international sanctions, and the detection of suspicious and non-standard transactions.
2.3 The Company's employees must be familiar with and strictly follow the requirements of the AML Law, international sanctions, instructions on the identification of money laundering, terrorist financing and suspicious transactions, and other instructions to comply with the requirements of the AML Law and this Manual.
2.4 The Company's employees must independently familiarize themselves with amendments to laws and other legislative acts.
2.5 The Board of Directors of the Company is obliged to implement these instructions for all employees.
2.6 The Company's employees are obliged to confirm the reading of these instructions.
2.7 The Company's employees are personally responsible for compliance with the requirements of the AML Law in accordance with the procedure provided for by law.
3. CUSTOMER RELATIONS AND IDENTIFICATION
3.1 The Company's employees must apply the following rules of conduct every time before entering into a business relationship with a Client.
3.2 The Company does not establish a relationship with the client by working with an authorized representative of an individual.
3.3 The Client – an individual is identified as follows:
3.3.1 The Client is identified on the basis of an identity document, a copy of the page with personal data and a photo.
3.3.2 The following data should be recorded for each client:
126.96.36.199 First and last name.
188.8.131.52 Personal number, date and place of birth.
184.108.40.206 Name, number, date of issue and the name of the issuing authority for the document used to identify and verify a person.
220.127.116.11 Address of the place of residence.
18.104.22.168 Contact details: email address and phone number.
22.214.171.124 Does or has the person performed the functions of PEP.
126.96.36.199 Whether the person is a PEP partner or a member of his family.
3.3.3 The following documents are required to identify the client:
188.8.131.52 Identity document;
184.108.40.206 A document confirming the address of the place of residence. Such a document may be a utility bill, a bank statement on the balance on the account or other similar documents that indicate the address and issued earlier than 3 months before.
3.4 The Client – legal entity is identified as follows:
3.4.1 The Client is identified on the basis of an extract from the Commercial Register, which was issued earlier than 3 months before, certified and, if possible, apostilled.
3.4.2 The following data should be recorded for each legal entity:
220.127.116.11 Registration number and date of registration;
18.104.22.168 Legal address and actual address;
22.214.171.124 Data of the representative, shareholders and beneficial owner;
126.96.36.199 Contact details: email address and phone number.
188.8.131.52 For each individual as part of a legal entity (for example, director, shareholders, beneficiary owner) - the data and documents indicated in paragraph 3.3.
4. RISK ASSESSMENT AND DETERMINATION OF THE LEVEL OF IMPLEMENTED CONTROL MEASURES
4.1 When establishing business relations with a Client, the Company must assess the degree of risk of money laundering and terrorist financing, and, accordingly, select and implement appropriate due diligence measures.
4.2 The following categories should be taken into account when assessing the level of risk of money laundering and terrorist financing:
4.2.1 Geographical risk;
4.2.2 Client risk;
4.2.3 Operational risk.
4.3 Geographical risk is considered high if the client or the transaction has a known connection with the following countries or territories:
4.3.1 Countries and territories that have been subject to UN or European Union sanctions, embargoes or other similar measures.
4.3.2 Countries without appropriate measures to prevent money laundering and terrorist financing.
4.3.3 Countries that, according to reliable data, are involved in supporting terrorism or have a high level of corruption.
4.3.4 Information about high-risk countries can be found at http://www.fatf-gafi.org/countries/#high-risk
4.4 The Client's risk is considered high if the client:
4.4.1 Is a PEP, a member of his family or a person close to PEP. The Company's employees are obliged to establish whether the clients are specified persons before establishing a business relationship with the Client and making a transaction.
4.4.2 Is included by the UN or the European Union in the list of persons subject to international financial sanctions. The company's employees have a duty to track this information before establishing a business relationship, with the verification of customer data.
4.4.3 Is an individual who was previously suspected of involvement in money laundering or terrorist financing.
4.5 Operational risk is considered high if:
4.5.1 A person who is not one of the parties to the transaction will pay for the transaction;
4.5.2 It is required to conclude a transaction, one of the purposes of which should be to conceal the list of actual participants in the transaction;
4.5.3 It is required to conclude a transaction that does not have a clearly justified commercial, economic, tax or legal purpose;
4.5.4 Virtual currencies always come from different addresses or money is transferred from different accounts;
4.5.5 Amounts in virtual currency or money are not standard for the client;
4.5.6 Each time the client receives different virtual currencies;
4.6 The risk of money laundering or terrorist financing is considered high if, for any reason, there is a suspicion that the client or the transaction concluded by the client may be related to money laundering or terrorist financing.
4.7 The Company does not offer services and does not establish relationships with customers if:
4.7.1 These are citizens of high-risk countries (http://www.fatf-gafi.org/countries/#high-risk );
4.7.2 These are persons from the list of international financial sanctions;
4.7.3 These are PEP, their family members or persons close to them;
4.7.4 Persons who were previously suspected of involvement in money laundering or terrorist financing.
4.8 With respect to risks not listed in clause 4.7, enhanced due diligence measures should be applied to the client.
5. IT RISKS AND THEIR CONTROL
5.1 Risks associated with the technologies used:
5.1.1 Information leakage;
5.1.2 Providing false information;
5.1.3 Malicious software and cyber attack;
5.1.4 Risks associated with the operation of the information system.
5.2 In order to reduce the risk of information leakage, the Company's employees are obliged to:
5.2.1 Use only internal servers of private limited liability companies;
5.2.2 Use the software approved and installed by the Board of Directors of the Company, which is constantly updated;
5.2.3 Use the Company's hardware. The use of proprietary hardware, including external media, is strictly prohibited.
5.3 To reduce the risk of providing false information:
5.3.1 In order to confirm the data with the Client, the Company must negotiate in person or during a video conference.
5.3.2 In case of suspicion of providing false information, it is necessary to request supporting documents from the Client.
5.4 To reduce the risks of malicious software and cyber attacks:
5.4.1 The system is constantly checked to identify suspicious and unusual transactions.
5.4.2 System security tests are performed on an ongoing basis.
5.4.3 Software that is constantly updated is used to detect malicious software and fight viruses.
5.5 To reduce the risks associated with the operation of the information system:
5.5.1 The safety infrastructure of the network and the server is used.
5.5.2 A separate primary server and a backup server are used. For security reasons, the main server and the backup server are located in different locations.
5.5.3 The Company's information system is certified according to the PCI/DSS standard.
5.6 According to the need, but at least once a year, information security training is organized for the Company's employees.
6. APPLICATION OF DUE DILIGENCE MEASURES
6.1 Special attention should be paid to the actions of individuals or Clients involved in the transaction and circumstances that indicate or may imply money laundering or terrorist financing, including complex, expensive and non-standard transactions that do not have a reasonable economic purpose.
6.2 Applicable due diligence measures:
6.2.1 Identification of the client or the person participating in the transaction on the basis of documents and data submitted by him/her and via videoconference.
6.2.2 Identification of the beneficial owner.
6.2.3 Obtaining information about the Client's business relations, the purpose and nature of the transaction.
6.2.4 Continuous monitoring of the client's business relations, including control of transactions concluded in the course of business relations, regular verification of identification data, updating of relevant documents, data and information and, if necessary, identification of the source and origin of funds used in the transaction.
6.3 When conducting a comprehensive legal audit, the facts that will be established are usually determined on the basis of the original documents submitted by the client. If the original document cannot be obtained, notarized or officially certified documents may be used, including documents certified by a lawyer. If it is impractical, taking into account the degree of risk, a copy of the original document must be sealed and/or signed by its author, and can be transmitted electronically (in a re-submitted written form). A copy cannot be trusted if there is doubt about its compliance with the original.
6.4 Verification may rely on information that is written in a format corresponding to a commercial registry, a credit institution or a branch of a foreign credit institution or a credit institution that is registered in another country where there are equal requirements for AML/KYC.
6.5 The above-mentioned due diligence measures should be applied before starting a business relationship or concluding a transaction.
6.6 The identity of the Client can be established and the information provided can be verified during the start of a business relationship or the conclusion of a transaction, if this is necessary to prevent disruption of the normal course of business, and if the risk of money laundering or terrorist financing is low. In such a case, due diligence measures should be completed as soon as possible after the first contact has been established and before any mandatory measures are taken.
6.7 Where possible, an individual or a Client involved in a transaction or professional activity should be required to certify with his/her signature the accuracy of the information and documents submitted for conducting due diligence measures.
7. APPLICATION OF EXTENDED DUE DILIGENCE MEASURES
7.1 Due diligence measures should be implemented in an expanded scope if:
7.1.1 The identity of the individual or client involved in the transaction is established and the information is provided from a place that does not correspond to the location of the verified individual or client.
7.1.2 Identification or verification raises doubts or suspicions about the authenticity of the document, or it is not possible to identify the owner(s)- beneficiary.
7.1.3 In essence, the situation implies a high risk of money laundering or terrorist financing.
7.2 An employee of the company must apply at least one of the following measures of extended due diligence:
7.2.1 Identification and verification of information obtained from additional documents, data or information obtained from a reliable and independent source, or from the commercial register of a credit institution or a branch of a foreign credit institution or credit institution that is registered or does business in a country where there are equal requirements for AML/KYC, and if the identity of an individual is established in this credit institution in the presence of this individual.
7.2.2 Introduction of electronic delivery of documents for their reliability and verification of the accuracy of the information contained therein, including their notarization or official confirmation of the accuracy of the collected data, or a document issued by the credit institution referred to in paragraph 7.2.1.
7.2.3 Making the first payment to an account opened in the name of an individual involved in the transaction with a credit institution that is registered or operates in a country that has the same AML/KYC requirements.
8. PEP IDENTIFICATION
8.1 When establishing a business relationship (after the conclusion of a consumer agreement), the Client fills out a form in which he/she enters the basic mandatory data necessary for identification and verification, and mandatory by law.
8.2 Among other information, the Client must indicate whether he, his family member or a close partner is a PEP (Politically Vulnerable Person).
8.3 If a member of the Client's family or his close partner is a PEP, the Client must also provide the details of this person.
8.4 Information about PEP is verified by the Company's employees based on information from public sources, for example, from the website https://namescan.io/FreePEPCheck.aspx.
9. IDENTIFICATION OF A PERSON WHO HAS BEEN SUBJECTED TO INTERNATIONAL SANCTIONS
9.1 When establishing a business relationship (after the conclusion of a consumer agreement), the Client fills out a form in which he/she enters the basic mandatory data necessary for identification and verification, and mandatory by law.
9.2 According to the information provided by the Client, an employee of the Company checks the international sanctions applicable to the Client.
10. IDENTIFICATION OF SUSPECTED MONEY LAUNDERING
10.1 This section sets out the circumstances that indicate suspicion of money laundering, which the Company's employees should pay special attention to.
10.2 "Self-delivery". Suspicious signs:
10.2.1 The person's appearance and behavior do not correspond to the essence of the transaction concluded by this person, or his/her behavior is questionable.
10.2.2 A person is unable to sign documents or uses third-party assistance for these purposes.
10.3 A person cannot explain the need for this service.
10.4 A person requests an unreasonably high bid.
10.5 Non-standard cash transaction.
10.6 Individual large or periodic small transactions with virtual currency, if such activity does not correspond to human economic activity or is unusual.
10.7 Money received for virtual currency is transferred to an outsider or to a bank account in another country.
10.8 The person does not provide data and/or explanations about the transaction.
10.9 A large volume of virtual currencies is exchanged if they do not correspond to the usual course of business of this person or are unusual.
10.10 The person cannot be identified or tries not to provide you with information.
10.11 A person is trying to enter into a fictitious transaction.
10.12 When creating long-term relationships with clients, a person wants to pay only in cash.
10.13 There is a suspicion that a person is acting in someone's interests.
10.14 A person wants to pay in cash in the amount of more than 10,000 EUR.
10.15 A person is repeatedly paid in cash for amounts above 10,000 EUR.
10.16 Payment is made through a bank established in a tax-free territory.
11. REFUSAL TO CONCLUDE A CONTRACT AND MAKE A TRANSACTION
11.1 The Company does not enter into a contract and does not make a transaction:
11.1.1 With persons under the age of 18.
11.1.2 With authorized representatives of the client – an individual.
11.1.3 With a person who refuses to provide the information and documents referred to in paragraph 3 of this Manual, or provides less information than necessary, or tries to hide something.
11.1.4 With a person suspected of provocation.
11.1.5 With the person who submitted the documents, or about whom the Company received information confirming suspicion of money laundering or terrorist financing.
11.1.6 With a person who has been subjected to international financial sanctions.
11.1.7 With a person who is a PEP or whose family member is a PEP, or he/she is a person close to PEP.
11.1.8 With a person who was previously suspected of involvement in money laundering or terrorist financing.
11.1.9 With a citizen of a high-risk country http://www.fatf-gafi.org/countries/#high-risk.
12. DATA COLLECTION, STORAGE AND PROTECTION
12.1 After entering into a transaction, an employee of the Company is obliged to register the following information:
12.1.1 Details of the person involved in the transaction, in accordance with paragraph 3 of this Manual.
12.1.2 Date or period of the transaction.
12.1.3 Description of the transaction content.
12.1.4 Information about the refusal to establish a business relationship or enter into a transaction.
12.1.5 Information about the refusal to establish business relations or conclude a transaction on the initiative of the Client.
12.1.6 Information on the termination of business relations, including the impossibility of applying due diligence measures.
12.1.7 Virtual currency exchange service in exchange for cash, the amount in the currency, the amount of money as a result and the exchange rate.
12.1.8 The exchange rate of the virtual currency in relation to another virtual currency, the amount in the currency, the amount in another currency and the exchange rate.
12.1.9 When opening an account in a virtual currency – its type, number and name of the currency.
12.2 The Company must keep the following documents for at least five (5) years after the end of the business relationship or the conclusion of the last transaction:
12.2.1 Information for identification and verification of data and documents.
12.2.2 Correspondence with the Client.
12.2.3 Data collected during the monitoring of business relationships.
12.2.4 Data on suspicious and non-standard transactions.
12.2.5 Documents on operations.
12.3 The Company's employees are obliged to apply the rules of personal data protection when collecting and storing data and documents. The collected data may be processed only for the purpose of preventing money laundering and terrorist financing. Data processing in a way that does not meet this purpose is strictly prohibited.
Exchange Rules1. Terms and definitions
1.1. Ex-point ("Service") is a service providing services for the circulation of digital currencies, located on the Internet at https://ex-point.pro.
1.2. The User is any individual who has agreed to all the conditions offered by the Service and has joined this agreement. The User and the Service are collectively referred to as the "Parties".
1.3. Application - information submitted by the User using the means of the Service in electronic form, indicating his intentions to use the services of the Service on the terms proposed by the Service and specified in the application parameters.
1.4. Exchange – transactions involving the transfer of digital currency from one owner to another using cash.
1.5. Exchange rate - the value ratio of two exchanged currencies.
1.6. The Agreement is an agreement concluded between the Parties on the circulation of digital currencies concluded on the terms and conditions of the provision of services by the Service.2. The subject of the agreement and the procedure for its entry into force
2.1. The subject of this Agreement is the services for the circulation of digital currencies, carried out by the User's order, as well as other services described on the Service's website.
2.2. The Agreement is considered accepted during the submission of the Application by the User, which is an integral part of this agreement. Each User's application is a new Agreement and under new conditions at the time of application submission.
2.3. This agreement comes into effect from the moment the User completes the formation of the Application and assigns an individual application number.
2.4. The date and time, as well as the parameters of the Application conditions are recorded by the Service automatically at the time of completion of the Application formation and assignment of an individual application number.
2.5. This agreement terminates from the moment the User receives funds or digital currencies in the amount provided for by the parameters of the User's Application, or from the moment of cancellation of the application.
2.6. The Service reserves the right to unilaterally amend this Agreement without notifying the User accordingly, but with the mandatory publication of the current version of the agreement on this page.3. Terms of Service
3.1. Only those Users who have fully read and agree to the terms and conditions of the provision of services by the Tuco service can use the services of the Service.
3.2 The Service automatically sets the exchange rate and publishes it on the Service's website.
3.3 The Service has the right to independently change the exchange rates at any time unilaterally, which notifies the Service Users by posting up-to-date information on the Service's website.
3.4 Fixing the exchange rate and the procedure for changing the exchange rate in the application:
The exchange rate is fixed for 10 minutes from the moment of choosing the exchange direction, after the expiration of the time, a new rate will be automatically offered.;
If the user managed to form an application within 10 minutes, then this course is extended for another 15 minutes to make payment for the application. If the User did not have time to make a payment and change the status of the application to paid by clicking on the “I paid” button, then a new exchange rate will be automatically offered after the time has elapsed;
The Service reserves the right to unilaterally change the exchange rate if more than 8 hours have passed since the transaction appeared on the digital currency network, and there are no 2 transaction confirmations from the digital currency network;
The Service reserves the right to unilaterally change the exchange rate if the application contains an error due to the User's fault, and the User has not provided the correct information to the Service's email within 8 hours;
The Service reserves the right to unilaterally change the exchange rate if the original exchange rate has changed by more than 1% before making the payment of the application and changing the status of the application to paid, by clicking on the “I paid" button.
3.5. Management of the exchange process or receipt of information about the progress of the service by the User is carried out using the appropriate user interface located on the Service's website.
3.7. Any completed operation carried out by the Service at the request of the User cannot be canceled by the User after its completion — sending by the Service of funds or digital currencies owed to the User under previously accepted exchange conditions.
3.8. In case of non-receipt of funds or digital currencies from the User within one hour from the moment of creation of the application by the User, the Agreement is considered terminated by the Service unilaterally, as it has not entered into force.
3.9. In case of termination of the agreement, funds or digital currencies received after the above deadline, at the request of the User, are subject to return to the User's details from which the funds were received. When making a refund, all commission costs for the transfer of funds or digital currencies are made from the funds received at the User's expense. The Service is not responsible for possible delays in the return, if they occurred through no fault of the Service.
3.10. If the amount of funds received or digital currencies differs from the amount stated by the User, the Service may unilaterally terminate the agreement by refusing to execute the application and returning the funds received to the User's details from which the funds were received, or recalculate the amount at the rate fixed in the application. When making a refund, all commission costs for the transfer of funds or digital currencies are made from the funds received at the User's expense. The Service is not responsible for possible delays in the return, if they occurred through no fault of the Service.
3.11. If the Service has not made a transfer of funds or digital currencies to the details specified by the User within 72 hours from the date of receipt of payment from the User, in the absence of reasons for blocking funds or digital currencies received at the Request of the User from the Service, the User may request termination of the agreement by canceling his application and refund funds or digital currencies in full.
3.12. In case of cancellation of the application, the refund of funds or digital currencies is made by the Service to the sender's details within 48 hours from the date of receipt of the cancellation request. The Service is not responsible for possible delays in the return, if they occurred through no fault of the Service.
3.13. In case of an increase in the exchange rate by more than 1%, all unclaimed funds received in favor of the service for more than a day are subject to exchange or refund at the rate fixed at the time of the creation of the application.
3.14. The Service has the right to involve third-party performers to fulfill its obligations.
3.15. The Service has the right to cancel the application and return the funds or digital currencies deposited by the User with the reimbursement of commissions to the User without explanation.
3.16. The Service has the right to refuse further service to the User without explanation.
3.17. The Service has the right to suspend the exchange in order to identify the sender of the transfer. In case of non-identification, the application is canceled. When making a refund, all commission costs for the transfer of funds or digital currencies are made from the funds received at the User's expense. The Service is not responsible for possible delays in the return, if they occurred through no fault of the Service.
3.18. When using the services of the Service, the User confirms that he legally owns and disposes of the funds and digital currencies used. The user guarantees that he is not involved in:
money laundering operations;
obtaining income from drug trafficking;
receiving income from criminal and/or terrorist activities;
receiving income from trade with countries with which trade is prohibited by international organizations;
receiving income from any other illegal activity.
3.19. When sending digital currencies by the User, the Service will start fulfilling its exchange obligations only after two confirmations of the digital currency network.
4.1. In order to carry out operations, the Service accepts from the User his personal data, which the Service undertakes to store in encrypted form, not to make public, not to transfer to third parties, except for the cases described in clauses 4.4 and 5.5 of this agreement.
4.2. All operations with Applications, as well as the transfer of personal data from the User to the Service, are carried out via an encrypted SSL channel with a key length of 256 bits.
4.3. The Service has the right, if necessary, to independently carry out activities to collect additional data about the User by any available means. All information collected as a result of such activities is not made public, is not transferred to third parties, except for the cases described in clauses 4.4 and 5.5 of this agreement.
4.4. The Service has the right to transfer the User's personal data and details of the operations performed by him, at the official request of law enforcement agencies, the court, as well as on its own initiative to protect its own rights.
4.5. All collected data about the User, as well as details of the operations performed by him, are stored in the database of the Service for five years.5. Anti-Money Laundering and Illegal Transactions Policy
5.1. In accordance with international legislation, the Service adheres to a number of rules and implements a number of procedures aimed at preventing the use of the Service for the purpose of conducting money laundering operations, as well as conducting other operations of an illegal nature.
5.2. In order to prevent illegal operations, the Service establishes certain requirements for all Applications created by the User:
Transfers in favor of third parties are strictly prohibited;
All contact data entered by the User in the Application, as well as other personal data transmitted by the User to the Service, must be up-to-date and completely reliable;
It is strictly prohibited for a User to create Applications using anonymous proxy servers or any other anonymous Internet connections.
5.3. The Service reserves the right to suspend all current User requests until copies of the User's identity documents and other information necessary to verify the operation are received from the User in the following cases:
Upon detection of a violation of any of the requirements set forth in paragraph 5.2 of this Agreement;
When the User's application is stopped by the system for preventing illegal operations;
If the Service has reasonable suspicions that the user is trying to use the services of the Service in order to conduct illegal operations.
In turn, the User undertakes to provide the requested document within 7 working days from receipt of the request for its provision, or request cancellation of the application.
5.4. In case of the User's refusal to provide the requested documents, the Service reserves the right in accordance with clause 3.15 to refuse the User further service and take the actions described in clause 3.14 of this Agreement.
5.5. The Service reserves the right to refuse further service to the User and to take the actions described in clause 3.14 of this Agreement in the following cases:
Identification of transactions aimed at money laundering, financing of terrorist organizations, fraud of any kind, as well as transactions aimed at conducting any other illegal and illegal operations;
If the Service has a reasonable suspicion that the document provided by the User to identify the User's identity is fake or invalid;
Receipt of information from authorized bodies about the illegality of the User's possession of funds or digital currencies, or other information that makes it impossible for the Service to provide services to the User;
Identification of any actions or attempts to commit actions by the User aimed at exerting any negative influence on the software and hardware complex of the Service;
Identification of any actions or attempts to commit actions by the User aimed at stealing databases and other tangible and intangible property of the Service;
Identification of any actions or attempts to commit actions by the User that can cause any physical, material and non-material harm to the Service.
If the funds come from a card different from the one that was verified, the Service suspends the exchange. The funds for this application will be returned to the sender within 24 hours after the request and subject to mandatory verification of the card from which the funds were received. When making a refund, all commission costs for the transfer of funds or digital currencies are made from the funds received at the User's expense.
5.6. The Service reserves the right to suspend all current User requests until copies of documents or other information confirming the payment of the application are received from the User.6. Limitation of liability
6.1. Only persons who have reached the age of majority can use the services of the service.
6.2. The User agrees that the scope of the Service's liability is limited to the funds received from the User to fulfill the subject of this agreement, that the Service does not provide additional guarantees and does not bear any additional responsibility to the User, just as the User does not bear additional responsibility to the Service.
6.3. The Service will make every effort, but does not guarantee that its services will be available around the clock, daily. The Service does not bear any responsibility for losses, lost profits and other costs incurred by the User as a result of the inability to access the site and the services of the Service.
6.4. 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.
6.5. 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 exchange rate of the Service, profitability of transactions and other subjective factors.
6.6. If the User provides erroneous data in the information about the details of the recipient of funds, the Service does not bear any responsibility for any adverse consequences or damage resulting from this error.
6.7. The User undertakes not to falsify the communication flows related to the operation of the Service, not to interfere with its software and/or hardware, and not to exert any other influence capable of disrupting the normal operation of the Service, realizing that such actions will be prosecuted to the fullest extent of the law.
6.8. Neither the User nor the Service will be liable to each other for delays or non-fulfillment of their obligations resulting from the occurrence of force majeure circumstances, including natural disasters, fire, flood, terrorist acts, changes of power, civil unrest, as well as failures in the functioning of Electronic payment systems, power supply systems, communication networks and suppliers Internet services.
6.9. Electronic payment systems 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 or financial institution and the User.
6.10. The Service is not responsible for the operation of other payment services and for losses caused by these payment services.7. Procedure for accepting claims and resolving disputes
7.1. Disputes and disagreements arising within the framework of the provision of services by the Service to the User are resolved through negotiations between the User and the administration of the Service, based on the provisions of this agreement.
7.2. Any claims under this Agreement, the User must send electronically to the email address specified on the Service's website.8. Final provisions
8.1. The Service has the right to send the User information on the status of the exchange process, as well as other information related to the exchange, to the e-mail specified by him.
8.2.The information on the website, including graphic images, text information, program codes, etc., is the property of the Service and is protected by copyright laws.
8.3. The User confirms that he has read all the provisions of this Agreement and accepts them unconditionally, otherwise the User cannot use the Service.