1. General Provisions
1.1. This Agreement determines the procedure for the provision of services for the exchange of electronic money by the Exchange service.
1.2. An exchange service means an online resource located on the Internet for exchanging electronic money - 4ange.me.
1.3. A user is a private person or a legal entity who has expressed a desire to use the services of the 4ange.me Exchange service.
1.4. The user and the Online resource 4ange.me, when jointly referred to, are referred to as the Parties.
1.5. The parties agree that this Agreement, which is in electronic form, has equal legal force with a written document and will regulate business relations between Users (individual or legal entity) and a party offering services of a certain kind (4ange.me).
1.6. The agreement is a public offer, which the User accepts by submitting an application through the web resource of the 4ange.me Exchange service for the provision of services provided by the 4ange.me Exchange service.
2. Subject of the Agreement
2.1. The online resource 4ange.me provides the services specified in clause 4 of this Agreement, provided that the User carefully follows the standards formed in clause 9 of this Agreement. The procedure for their provision is determined by the internal Regulations of the Online resource 4ange.me, established by clause 5 of this Agreement.
2.2. The user accepts the services of the Online resource 4ange.me and makes payment for them in compliance with the conditions established by the Agreement.
3. Rights and obligations of the Parties
3.1. The exchange service 4ange.me is obliged to:
3.1.1. Convert digital currencies of online payment systems Qiwi, Payeer, Perfect Money, Yandex.Money and others in compliance with the standards specified in this Agreement;
3.1.2. Provide technical and informational support to Users in the process of making money transfers using the 4ange.me Exchange service;
3.1.3. Ensure the safety of detailed information on exchange transactions (personal data of Users, the time of exchange operations, its amount and other information) and provide it to the Users who initiated these transactions. Information about money transfers in different directions with confidential payment systems has the “Confidential” status and is not disclosed;
3.1.4. Do not transfer information about the transactions to unauthorized persons. The exceptions are the following cases:
if the judicial authority located at the location of the 4ange.me Exchange service has made a relevant decision, which has entered into force;
if a request is received from official law enforcement agencies and financial monitoring institutions operating at the location of the 4ange.me Exchange service;
When contacting the management of partners (online payment systems) which are listed above.
3.1.5. Consider information about discounts provided to Users;
3.1.6. Ensure that funds are credited to the account of the User or a third party within 24 hours after receiving the complaint in the cases provided for in clauses 3.2.5, 5.4, 5.5 or 5.6 of this Agreement.
3.2. The user is obliged:
3.2.1. Provide accurate data and details for the timely implementation of money transfers;
3.2.2. Provide reliable information about the email address used;
3.2.3. Provide the ability to receive system alerts to your email. Have access to the Internet using a computer or other electronic computing devices. Use up-to-date versions of anti-virus programs to establish a secure connection with the 4ange.me Online resource.
3.2.4. Adhere to the terms of this Agreement;
3.2.5. Notify the administration of the Internet resource 4ange.me about all cases when the transferred amounts were not transferred in whole or in part to the account of the User or a third party. And also about the precedents listed in clauses 5.4, 5.5 and 5.6 of this Agreement. The corresponding notification must be sent to the administration no later than one month after the funds are to be received. If this condition is not met, the disputed amounts go to the 4ange.me Exchange service;
3.2.6. Comply with the laws governing the rules for conducting online money transfers.
3.2.7. Do not use various systems to boost traffic.
3.3. The exchange service 4ange.me has the right to:
3.3.1. Suspend activities temporarily in order to upgrade the service or to fix problems;
3.3.2. When contacting the competent authorities, the administration of the above payment systems or the User"s complaint about fraudulent actions, stop the exchange operation until the situation is clarified;
3.3.3. Set at your own discretion discounts for exchange operations;
3.3.4. Determine the amount of the commission payable for the exchange operation;
3.3.5. Refuse a potential User in their services without explaining the reasons for their actions;
3.3.6. Receive from the User information confirming the completion of the exchange operation using e-mail, mobile phone, a screenshot of an electronic wallet, if the exchange was completed with an error;
3.3.7. Stop communicating with the User who is rude, asks off-topic questions or does not provide the necessary information to the support service;
3.3.8. Block the execution of an exchange operation on the basis of clauses 5.4, 5.5 and 5.6. and Regulations;
3.3.9. If necessary, block the operation and not return the money to the User until his identity is identified.
3.3.10. In case of non-compliance with the obligations in accordance with clause 3.2.8, the Administration has the right to block the user who violated this clause, as well as the source / generator of transitions.
3.3.11. In case of unjust enrichment by the client with electronic money of the 4ange.me Exchange service, or third-party services for the exchange of electronic money, the Administration of the 4ange.me.com exchange site has the right to suspend the execution of the application until the reasons and all the circumstances are clarified, as well as reimbursement of unjustifiably acquired funds and property rights to them by the 4ange.me Exchange service or other exchange services.
4. Services provided
4.1. The exchange service 4ange.me carries out the exchange of electronic money of payment systems Bitcoin, Qiwi, Payeer, Perfect Money, Yandex.Money and others using banking institutions, the list of which is provided on the website;
4.2. The exchange service 4ange.me is not authorized to verify the legality of the User"s possession of the funds used in the exchange process.
5. Regulations for the exchange of electronic money
5.1. The implementation of the transaction begins after the receipt of funds from the User intended for exchange. If the funds for the application created by the User are not received within 20 minutes, then the application is automatically deleted by the security system of the 4ange.me exchange site. In case of receipt of payment for the application in excess of the specified time, the application will be processed at the current rate at the time of receipt of funds from the User.
5.2. The transaction is considered completed after the transfer of funds to the details specified by the User.
5.3. The user cannot cancel an already started transaction or return the money provided for the exchange.
5.4. If an amount is received from the User, the amount of which differs from the amount specified when completing the transaction, then the 4ange.me Exchange service may suspend the exchange, and after the User"s request on the basis of clause 3.2.5, pay the actually received amount at the rate in effect at the beginning of the transaction.
5.5. If the User has indicated invalid or blocked details, the exchange operation is terminated. The funds are returned to the User"s account based on his request in accordance with clause 3.2.5. At the same time, a commission for the exchange is deducted from them, as well as a fine of two percent of the transaction amount.
5.6. If the User has changed the notes to the payment or paid the invoice from an outside account, then such an operation may be blocked. In this case, the refund is made after the User"s request on the basis of clause 3.2.5 minus the commission and one percent of the payment amount.
5.7. In the event that the client receives the bitcoin cryptocurrency, the timing of the confirmation of the transaction (crediting of funds) depends on the Bitcoin system itself. This process can take from 15 minutes to several days, depending on the congestion of the Bitcoin network. The exchange service is not responsible for the speed of transactions and confirmations in the Bitcoin network.
6. Warranties and liability of the Parties
6.1. The exchange service 4ange.me does not bear material and moral responsibility for the misuse of the service by the User, as well as mistakes made by him in the process of filling out certain points of the standard application form for exchanging digital money. Even if the funds were transferred to the wrong account, the transaction will not be canceled or refunded.
6.2. The exchange service 4ange.me is not responsible for damage or loss caused by the inability to use the equipment as a whole or its individual elements by the User.
6.3. The exchange service 4ange.me is not responsible for the actions of banks and payment systems, which resulted in errors or delays in payment.
6.4. The exchange service 4ange.me is not responsible for the costs incurred by the User, losses or lost profits, which were caused by the User"s erroneous ideas regarding tariffs, profitability of operations and other subjective issues.
6.5. The 4ange.me exchange service is not responsible for any costs incurred as a result of errors or delays in electronic transfers or payments;
6.6. The user confirms that he is the rightful owner or has legal grounds for using the funds that are involved in exchange transactions.
6.7. The User confirms that at the time of using the 4ange.me service, he has reached the age of majority, in accordance with the legislation of the country where the User is located.
6.8. The User agrees to reimburse losses to third parties, the occurrence of which is indirectly or directly related to the use of the capabilities of the service by the User.
7. Change of information
7.1. Administration of the 4ange.me Exchange service may at any time supplement or amend this Agreement. In this case, all changes begin to be applied after they are published on the web resource.
8. Force majeure
8.1. The parties are exempt from liability for failure to fulfill or delay in fulfilling their obligations under this Agreement if force majeure circumstances arise. These include: natural disasters, acts of government, war, fire, explosion, terrorist attack, flood, riot, hacker attacks, mass civil disturbances. They also include the absence or failure of work in power supply, access to the Internet, communication services or other systems and networks.
9. Mandatory conditions for conducting exchange operations
9.1. It is prohibited to use the 4ange.me Exchange service for illegal or fraudulent transactions. The user agrees that for any attempt to exchange funds of dubious origin, he will be punished in accordance with the law of the country in which the exchange operation was performed.
9.2. The 4ange.me exchange service has the right to transfer information about illegal payments, if their illegality is duly proven, to the competent authorities, the administration of the relevant payment system and the victims to their request.
9.3. The condition for the exchange is the withdrawal of digital characters by the User from the electronic wallet belonging to him. In this case, the User is personally responsible for the legitimacy of the sources of receipt of funds, since the 4ange.me Exchange service is not authorized to verify their origin.
9.4. To make bank transfers, you need to use the Internet banking of the corresponding payment system. If the application was made through the operator of a banking institution or an ATM, then the funds are returned to the User within 24 hours. If the transfer was made to a Sberbank card, then one percent of the order amount is charged from the User. The funds will be returned only after a security check has been carried out to identify the sender of the transfer. To pass the check, the User needs to take a picture of his passport and the bank card with which the payment was sent, and send them to the mail of the Exchange service 4ange.me.
9.5. The exchange service 4ange.me is not responsible for operations performed by third parties on behalf of the User.
9.6. The user, by clicking the "CONTINUE" button, confirms that he unconditionally accepts all the terms of this Agreement.
10. Identification of the User"s person
10.1. Using the 4ange.me exchange service, the User undertakes to go through the person identification process at the first request of the 4ange.me service.
10.2. During the identification of the pesrona, the 4ange.me exchange service may request the following data at its discretion:
10.3. The User agrees to the 4ange.me exchange service to carry out the necessary investigations directly or through third parties to verify the identity or protect the User and / or the exchange service from financial crimes.
10.4. By passing the identification, the User agrees to the 4ange.me exchange service to conduct any research in relation to the User that the 4ange.me exchange service considers necessary. The exchange service 4ange.me may involve a third party at its discretion for these studies.
10.5. Using the 4ange.me exchange service, the User agrees to automatic AML verification of all transaction addresses of transactions.
10.6. The exchange service 4ange.me has the right to request the passage of the procedure for identifying a person by the User, in a situation where the address of the User"s wallet may have a connection with:
10.7. In a situation where such a connection is confirmed, the User will need to go through the identification of the person. Only after passing the identification process, the funds will be returned to the sender"s address minus the commission spent on the transaction.