Terms of Service

Terms and conditions of Changeex Team service

1. General Provisions

1.1. Terms and conditions of use of services of exchange, purchase or sale of electronic money on Changeex Team service (hereinafter referred to as "Changeex Team") The Changeex Team Terms and Conditions (hereinafter referred to as the "Terms and Conditions") govern the mutual rights and obligations of The Changeex Team inc. oü, The Changeex Team Inc. "Terms and Conditions") govern the mutual rights and obligations of The Changeex Team inc. oü, registration number 1401191897, registered office: Randla tn 13-201 Põhja-Tallinna linnaosa, Tallinn Harju maakond 10315 (hereinafter referred to as the "Terms and Conditions") and customers of the Changeex Team Service (hereinafter referred to as the "Changeex Team Service"). - Changeex Team Service) and customers using electronic money services provided by the Changeex Team Service. electronic money services provided by the Changeex Team Service.

1.2. By accepting and agreeing to the terms of service and by confirming the User's registration with Changeex Team service, the User is registered for the provision of services related to exchange, purchase or purchase of goods and services registration for the provision of services related to the exchange, purchase or sale of electronic money provided by the Changeex Team Service. sale of electronic money provided by the Changeex Team Service.

1.3. The system registers the date and time of acceptance of the terms and conditions User.

1.4. By completing the registration, the User declares that he/she familiarized with the Terms and Conditions at the time of registration and that he/she expressly agrees to such terms and conditions. his/her unconditional acceptance of such terms and conditions. The User undertakes to comply with the Terms and Conditions in force at the time of registration. The Terms and Terms and Conditions are published on the Changeex Team service website: changeex.eu.

1.5. The Agreement comes into force from the moment of registration of the User in the system and is valid indefinitely until the User or the "Changeex Team" Service does not terminate registration in writing in accordance with the terms and conditions, set forth below.

2. Definitions of terms

2.1. Changeex Team Service (Service) – system for providing Internet services for the exchange, sale and purchase of electronic assets and electronic money electronic money.

2.2. Service website - changeex.eu

2.3. User – any individual using Changeex Team Service services and accepts the terms of the Privacy Policy, as well as the Changeex Team Service Cookies Policy. as well as the Cookies policy of the Changeex Team Service.

2.4. Partner - a person who provides services to the Service attracting new Users in accordance with the terms of the Affiliate programs described in this Agreement.

2.5. Affiliate payment system - software developed by third parties that is mechanism for issuing, selling or storing electronic valuables, electronic money and/or other obligations and payments for goods and services on the Internet and mutual settlements between Users.

2.6. The main partner payment systems for the Changeex Team service are:Perfect Money, Payeer, Advanced Cash. Exact list partner payment systems are available on the Service website.

2.7. Client of the Affiliate Payment System is a person who has agreed to the Terms and Conditions of the relevant Affiliate Payment System and has entered into a contractual relationship with the relevant Affiliate Payment System.

2.8. Electronic assets - monetary and/or other obligation between the developer of a given electronic asset and its by the user, expressed in digital form.

2.9. Payment/Transaction - transfer of an electronic asset or electronic money from the payer to the recipient.

2.10. Application – expression of the User’s intention use one of the services offered by the Changeex Team Service by filling out an electronic form through the Website of the Service, on the terms, described in the Agreement and specified in the parameters of this Application.

2.11. Source currency – electronic asset or electronic money that the User wishes to sell or exchange.

2.12. Original account – wallet number or any other designation of the User's account in the Payment system from which Source currency sent.

2.13. Received electronic currency – electronic asset or electronic money received by the user as a result of the sale or exchange of the original currency.

2.14. Recipient's account – wallet number or any other designation of the User's account in the Payment system, to which the sent Electronic currency received.

2.15. Electronic asset reserve – available in at the disposal of the Changeex Team Service, at the time of creation of the Application, the volume of a certain electronic asset.

2.16. Electronic asset exchange – exchange of electronic asset of one payment system or crypto-asset to an electronic asset of another payment system or crypto asset.

2.17. Exchange rate - the cost ratio of two electronic assets when exchanging them.

2.18. Reserves of electronic currencies – amounts available in availability of Electronic assets or funds for the Changeex Team Service performing services. The reserve amounts are indicated on the Service’s website at main page.

3. Services and method of providing them

a)The order of services by the Changeex Team Service is carried out by the User by directions of the Application through the Service website.

b)Initiation and management of the electronic money exchange process and electronic asset or obtaining information about the progress of service provision are carried out using the appropriate user interface, located on the Website of the Service.

c)The Changeex Team service executes Orders in accordance with operating conditions of the relevant Affiliate Payment Systems. Special Conditions for working with some Payment systems are listed below.

d) The Changeex Team service is not responsible for the work of another Payment system. Rights and obligations of the Payment System and its Clients are governed by the terms of service of the relevant Payment systems.

e)By using the services of the Changeex Team service, the user confirms the transparency and legality of the origin of electronic money and electronic assets involved in the relevant Payment.

f)The User undertakes to independently calculate and pay all taxes required according to the tax laws of the place location of the User.

3.1. Exchange of electronic assets or electronic money

 a) By completing the Application, the User instructs and The Changeex Team service, on its own behalf and at the expense of the User, performs actions on exchange of electronic money of one Payment system (Original currency) for Electronic asset of another Payment system (Received currency) selected User.

b)The User undertakes to transfer (transfer) the Source currency, in the amount specified in the Application, and the Changeex Team Service undertakes to transfer (transfer) To the user The received currency, calculated in accordance with the exchange course and in accordance with the commission, after receiving the appropriate electronic asset or electronic monetary fees for using the service Changeex Team.

c)The amount of commission fees for using the Changeex Team Service reflected in each individual Application as the exchange rate and the User agrees to the specified amount subject to compliance with instructions during implementation of the Application.

d)Responsibility of the Changeex Team Service for transfer (transfer) electronic asset to the User is considered fulfilled at the time of write-off electronic asset in the corresponding Payment system from the Service account Changeex Team, which is recorded in the transaction history of the corresponding Payment systems.

3.2. Service for selling electronic money or electronic assets

 a) By completing the Application, the User instructs The Changeex Team service performs actions to receive and transfer an electronic asset or electronic money to the User.

b) The amount of remuneration of the Changeex Team Service for the specified actions reflected in the Application as the exchange rate and confirmed by the User on one of the user interface pages.

c)Within 20 minutes from receipt of funds from the User, in the amount specified in the relevant Application, Changeex Team Service is obliged to transfer (transfer) the Received Electronic Currency in accordance with details and in the amount specified by the User in the Application.

d) The Changeex Team Service has the right to cancel the Application for the purchase of an electronic asset or electronic money, if payment is by such an application was not received on the service’s current account after 20 minutes from the moment of creation of such an application.

e) Responsibility of the Changeex Team Service for transfer (transfer) received electronic asset or electronic money is considered to the User executed at the time of writing off the electronic asset in the corresponding Payment system from the Changeex Team Service account. The transaction is recorded in transaction history of the corresponding Payment system and in the client interface Changeex Team service.

3.3. Service for purchasing electronic money or electronic assets

 a) By completing the Application, the User instructs and The Changeex Team service, on its own behalf and at the expense of the User, buys electronic asset or electronic money from the User, and also performs actions on transfer of cash equivalent to the User in the amount specified in the Application.

b) Within 20 minutes from receipt of the Initial electronic asset from the User, in the amount specified in the relevant Application, the Changeex Team Service is obliged to transfer the monetary equivalent to the User listed electronic asset or electronic money, in a manner selected by the User when submitting the Application.

c) The amount of remuneration for the Changeex Team Service is reflected in the Application in form of the exchange rate and is confirmed by the User on one of the pages user interface when completing an Application.

d) Obligation of the Changeex Team Service to transfer funds equivalent of the transferred electronic asset or electronic money is considered executed at the time the corresponding amount is debited from the Changeex Team Service account.

4. Additional terms of service

4.1In case of failure to receive an electronic asset from the User or electronic money within 20 minutes from the moment the Application is created, Service Changeex Team has the right to cancel such Application. Electronic currency or cash funds received after the above deadline are subject to refund payer details at the User's request. When making a return, all commission costs for the transfer are made from the funds received for User account. Information about electronic currency or electronic money, received after the regulated period are stored on the Changeex Team Service in within 6 months. After this period, all information is deleted and refunds become impossible. When requesting a refund by the User by after 1 day, the refund amount is recalculated at the current rate.

4.2In case of receipt from the User to the Changeex Team Service electronic asset or funds in an amount different from the specified in the Application, the Service has the right to consider this as an order of the User recalculate the Application according to the actual amount received electronic asset or electronic money. In case the size received electronic asset or electronic money differs from declared by the User in the Application, the Changeex Team Service has the right to unilaterally order to cancel this Application. Return of received funds to the payer will be carried out within 24 hours after written request User. When making a return, all commission costs for transfers of funds are made from received funds at the User’s expense.

4.3. In case of failure by the Changeex Team Service to comply with the sending conditions electronic asset or electronic funds according to the Application for details, specified by the User, within 20 minutes from the moment the Application is sent, The user has the right to demand the return of an electronic asset or electronic money in full, except for the cases specified in this Agreement. Request for return of an electronic asset or electronic money can be executed by the Changeex Team Service only if if the Application has not been executed at the time of receipt of such a request and transactions were not completed. To make a return, the User must provide confirmation of the transfer (transaction) by sending relevant screenshots to the technical support of the Service. Increasing the term for transferring an electronic asset or electronic money may be caused by the application processing conditions of individual Affiliates Payment Systems. In this case, the Changeex Team Service is not responsible and no refunds can be made.

4.4. The exchange rate of an electronic asset is fixed by the System no more than than 18 minutes from the moment you click the “Exchange Now” button after filling out all forms on the main page of the Service. If the User has made payment after 18 minutes, the System will automatically update the rate and will block the possibility of creating an Application. In case of blocking the creation of an Application you need to return to the original page of the service and fill out an application again. If the funds for this application were debited from the account User, The User needs to contact technical support Service to confirm the ownership of the corresponding transaction To the user. Confirmation of transaction ownership by the User occurs by sending the User to technical support email Service of corresponding screenshots. If the User does not have time create an Application within the prescribed period and the exchange rate has changed, the Changeex Team Service does not bears responsibility for any losses of the User resulting from such an error.

4.5. The Changeex Team service has the right to suspend the execution of the Application The user in order to prevent fraudulent activities. In this case The User must contact technical support of the Service for confirmation that the corresponding transaction belongs to the User. Confirmation of the transaction belonging to the User occurs by sent by the User to the technical support email of the Service corresponding screenshots.

4.6. Special conditions of some Payment systems:

- PerfectMoney payment system may delay transfers by more than 24 hours;
- refund of funds transferred in cryptocurrency is not possible. User bears personal responsibility for the details entered during registration applications;
- the use of VPN, Proxy, Deadicated-Server services for payment is prohibited from fiat directions, such as Visa/Mastercard Rub, Uah.

Detailed terms and conditions of Affiliate Payment Systems are published on the websites relevant Payment systems. If the User transferred a currency asset to the account of the Changeex Team Service, the amount of which is less than the minimum established, the Changeex Team Service does not carry out return of the corresponding electronic assets.

5. Exchange rates

5.1The exchange rate for electronic assets is published on the website Changeex Team service: www.changeex.eu. Exchange rates of electronic assets or electronic money are regularly updated.

5.2. Commission for services provided in connection with the exchange, purchase or sale of electronic assets or electronic money, included in exchange rate for each individual exchange direction.

5.3. The Changeex Team service has the right to change exchange rates for electronic assets and electronic money without prior notice User. The user is informed about the current exchange rate electronic assets or electronic money on the Changeex Team Service website: www.changeex.eu during creation Applications. If the User does not agree with the changes, he has the right refuse to receive the corresponding services of the Changeex Team Service and stop business relations with the Changeex Team Service in the part that is subject to change.

5.4. The Changeex Team service has the right to unilaterally change terms of the Agreement and the list of services offered by the Service. Changeex Team service informs the user about changes in the terms of service by publications on the Changeex Team service website: changeex.eu.

5.5. In the Application created by the User on the Internet site Service, the exchange rate is indicated; the amount of commission charged by the relevant Payment system, for carrying out the Operation; exchange method; as well as general the amount of transferred funds or electronic asset.

5.6. The Changeex Team service charges the cost of its rewards in the moment of the relevant Application.

5.7. For registered users Changeex Team Service offers a reward system. The user can obtain information about current discount or fee from the technical support provider Changeex Team service. A description of discounts or bonuses is located on the Service website at section “Affiliate program” (https://changeex.eu/referalusers).

6. Responsibility of the Changeex Team Service

6.1The Changeex Team service is financially responsible to By the user in the amount of an electronic asset or electronic money, which were transferred to the Changeex Team Service for execution of the Application.

6.2The Changeex Team service provides exchange, purchase and sale services electronic assets or electronic money. The Changeex Team service does not provide fundraising services, does not provide payment for goods or services of others suppliers.

6.3The Changeex Team service is responsible to the User for financial losses caused by the fault of a third party, if the fact is revealed possible prevention of such losses by the Changeex Team Service due to the availability proper technical and physical security of the services provided in the field of electronic assets or electronic money.

6.4The Changeex Team service is not responsible to the User for financial losses caused by illegal actions of third parties that cannot be predicted or prevented.

6.5The Changeex Team service is not responsible for any delays or unrealized Orders caused by an error of another Payment system or bank specified by the user in the completed Application. User agrees that in this case all claims will be sent to payment system or bank. The Changeex Team service will provide the necessary assistance for filing a complaint or demand with another partner or bank.

6.6In case of detection of falsification of communication flows or have any adverse effect on normal operation program code of the Service that is directly or indirectly related to the Application User, the execution of the Application by the Service is suspended, and With the funds received, the parameters of the Application are recalculated into in accordance with the current conditions or, in case of disagreement of the User with recalculation, return of an electronic asset or funds to Payer details.

6.7The Changeex Team service is not responsible for partial or complete failure to comply with these Terms of Use, if any as a result circumstances of force majeure that cannot be prevented by reasonable means measures.

6.8In other cases, failure to fulfill obligations arising from of these Terms or violation of individual terms will be considered in in accordance with European legislation.

7. User responsibility

7.1The user is responsible for the accuracy and completeness information and data that he provided during registration. When, if the User has entered incorrect personal data or provided incorrect data for execution of the Application, Changeex Team Service is not responsible for any the User's losses resulting from such an error.

7.2. If you agree with these Terms, the User will honestly declares and confirms that:

a) He provided correct and truthful information about himself, and also authentic identification data;

b)They are not a party to laundering transactions or transactions money;

c) His income is not related to the implementation of criminal and/or terrorist activities;

d) His income is not related to trading in countries in which trade is prohibited by international organizations;

f) His income is not related to any other illegal activities.

7.3The User undertakes not to disrupt the operation of the Changeex Team Service by interfering with its software or hardware, as well as by distortion of parameters passed to the Service.

7.4. The User acknowledges and agrees that the Service Changeex Team does not act as a financial advisor and does not provide investment advisory services, and any communication between the User and The Changeex Team service cannot be considered as advice.

7.5. The user is not responsible for partial or total non-compliance with these Terms and Conditions, if caused by the occurrence of force majeure, unforeseen events or prevented by appropriate measures.

7.6. In other cases, failure to fulfill obligations arising from of these Terms and Conditions or violation of certain Provisions and Conditions will be considered in accordance with the law European legislation.

8. Other conditions

8.1Use of the Changeex Team Service for the purpose of carrying out fraudulent and illegal transactions are prohibited.

8.2. Operators of the Changeex Team service are legally obliged provide information about payments, Users and Transactions to authorities Estonia, supervisors and financial and payment service providers in Estonia.

8.3. Protecting the information of users and others confidential data is provided in accordance with the current legislation of Estonia and the European Union, in particular the General data protection regulations. Method of processing and protecting personal information described in detail in the Privacy and Cookies Policy published on website of the Changeex Team Service, required for concluding contractual relations between By the User and the Cashier Service.

8.4. Changeex Team service in case of suspicious actions in process of registration of the application by the User, in order to avoid damage from hacker attacks has the right to suspend the execution of such operations until the reasons are clarified these actions.

8.5. The Changeex Team service has the right to refuse to perform an operation exchange, purchase and sale of electronic currencies, if the transfer of electronic asset to the Service account was made without filling out an Application using user interfaces on the Service Website. Electronic currency, transferred to the relevant accounts of the Service by the User without registration Applications using user interfaces on the Service Website may be returned to the User upon request, taking into account the deduction of the payment commission systems.

8.6. The Service Administration has the absolute right to refuse providing services to any client, without explanation.

8.7. If in the event of force majeure you or changeex.eu are delayed in completing or are unable to complete any of the of these Terms, such delay or failure to comply will not be deemed violation of these Terms, and neither you nor changeex.eu may declare no loss or damage arising from such circumstances.

8.8. Information about the client and his transactions is stored on server and cannot be deleted. At the client's request, access to the account can be be limited or deleted.

8.9. The Service will make every effort, but does not guarantee that its services will be available around the clock, every day. The service does not bear any liability for losses, lost profits and other costs Users resulting from the inability to gain access to the site and services of the Service.

9. Final provisions

9.1The terms and conditions are agreed upon with the User in electronic form upon registration. Agreement to the Terms published in electronic form, is valid and identical to written consent.

9.2. The Changeex Team service has the right to unilaterally make changes to the Agreement by publishing changes on the Service Website. Changes come into force from the moment of publication, unless the effective date is different. changes in force are not further determined upon publication. User has the right to terminate the contractual relationship with the Cashier Service due to its disagreement with changes to such Terms. The user must write notify the Changeex Team Service of your disagreement with the change in the Terms and termination contractual relations.

9.3. The Changeex Team service informs the user about complaints and claims in the document entitled “Changeex Team Service Policy on the Issue consideration of complaints and claims", which is published on the Service website Changeex Team.

9.4. The Changeex Team Service has the right to send the User to the e-mail indicated by him information about the status of the exchange process, as well as other information, including advertising. Unsubscribe from advertising mailings The User can, by clicking on the appropriate button in the received letter.

9.5. Information posted on the site, including all graphic images, text information, program codes, etc., is the property of changeex.eu and is protected by copyright laws. Any case of unauthorized copying (full or partial) may be held accountable in accordance with the European legislation.

9.6. The user confirms that he is familiar with all provisions of these Terms and fully accepts them.

Information on the site, including graphic images, text information, program codes, etc. is the property of the site changeex.eu and is protected copyright laws. Every case of unauthorized copying (full or partial) may be prosecuted under the current legislation.

The user confirms that he has read all the provisions of this Agreements and unconditionally accepts them, otherwise the User does not can use the Changeex Team Service.

10. Withdrawal Rules and Transaction Processing

10.1. Payment of the Commission Before Withdrawal To successfully complete a withdrawal transaction on the platform, the client is required to first pay a commission fee of 3.5% of the withdrawal amount. The commission is charged to cover operational expenses and ensure the smooth functioning of the service.

* The commission amount is automatically calculated based on the withdrawal request made by the client.

* The commission must be paid prior to the initiation of the withdrawal process, and only after the payment has been confirmed will the funds be available for withdrawal to the client’s designated account.

* Please note that the commission fee is non-refundable.

10.2. Funds Freezing in Case of Suspicious Transactions If a transaction is deemed suspicious, which could indicate potential security violations, the platform reserves the right to temporarily freeze the client’s funds until further investigation is conducted. A transaction may be flagged as suspicious if:

* It exceeds standard limits on volume or frequency;

* It originates from unregistered or suspicious sources;

* It contains errors in the transfer details.

10.3. Procedure for Unfreezing Funds To automatically unfreeze funds that have been frozen due to a suspicious transaction, the client is required to make a mirror transaction of an amount equal to the frozen funds. This procedure is used to verify the identity and intent of the client:

* The mirror transaction must be made from the same account that initiated the suspicious transaction.

* Upon successful verification, the funds will be automatically unfrozen and available for withdrawal.

* In certain cases, the platform administration may request additional documentation to confirm the legitimacy of the transaction.

10.4. Additional Terms

* The platform reserves the right to deny unfreezing of funds or execution of a transaction if there are violations of service terms or suspected fraudulent activity.

* Any information related to fund freezing and blocking will be available to the client in their personal account, along with relevant instructions.

These rules are implemented to ensure the security of financial operations and to protect the interests of both the clients and the platform.

11. Rules for Working with ICO

Definition of Additional Costs Additional costs include, but are not limited to, the following categories:

11.1. Fees charged by banks or payment systems for transaction processing or currency conversion.

11.2.Government or local taxes and levies that may be imposed during transactions.

11.3. Fees or other charges associated with participation in ICOs (Initial Coin Offerings) or other investment projects offered by the platform.

11.4.Additional costs arising from changes in legislation related to cryptocurrency transactions.

11.5.Payments related to compensation for losses incurred by the platform due to the client’s fault (e.g., providing incorrect information, failure to comply with the terms of the agreement).

Notification of Additional Costs

The platform is obligated to notify the client of any additional costs incurred in the course of using the services. The client is required to promptly agree to cover these costs and make all necessary payments before receiving their funds.

Procedure for Payment of Additional Costs

11.6.The client is required to pay all additional costs based on the notice provided by the platform.

11.7.Payment must be made in full and within the specified timeframes.

11.8.If the client fails to pay the additional costs within the specified time, the platform reserves the right to suspend the provision of services, including fund withdrawals, until the debt is fully paid.

Conditions for Funds Withdrawal

11.9.The platform is not obligated to return funds to the client until all additional costs incurred during the transaction process are paid.

11.10.Withdrawal of funds will be possible only after full payment of all additional costs and the completion of necessary checks.

Client Responsibility

11.11.The client is fully responsible for timely covering all additional costs associated with using the platform’s services.

11.12.The client acknowledges potential additional expenses and agrees to cover them in accordance with these rules.

Access to Client Funds

11.13.The platform does not have access to the client’s funds, except for those explicitly transferred by the client to cover fees or other payments as stipulated by these rules.

11.14.All funds deposited by the client on the platform remain fully under the client’s control, except in cases where the client explicitly consents to certain transactions within the platform’s usage framework.

11.15.The platform is not responsible for any losses or depletion of funds due to actions of third parties, payment systems, or other external services used for processing transactions.

Platform Liability Release

The platform is released from any liability for delays or refusal to provide services if such actions are caused by the client’s failure to pay additional costs.