1. General Provisions
1.1. This Agreement establishes the features of the provision of exchange services by the Online Service.
1.2. Online service is understood as an Internet resource for the exchange of virtual money - mchange.net.
1.3. The Users are individuals and organizations (s) who have agreed to cooperate with the Online Service.
1.4. When referred to in general terms, the User and the Online Resource are called Parties.
1.5. The parties agree that this electronic Agreement has equal force with a written agreement and is intended to settle their relationship in the process of consuming exchange services.
1.6. The Agreement is considered a public offer, the acceptance of which takes place by the User filling out an application to receive the services provided by the Online Service. The application is submitted through the mchange.net web resource.
2. Subject of the Agreement
2.1. The online resource mchange.net provides services, the list of which is specified in clause 4 of the Agreement, but the User is obliged to follow the standards set forth in clause 9. "Procedure for performing exchange transactions". Services are rendered in the manner determined by the Regulations, the provisions of which are spelled out in clause 5 of the Agreement.
2.2. The user who performed the exchange operation must pay for it.
3. Mutual obligations of the Parties
3.1. The online service mchange.net assumes the following obligations:
3.1.1. Ensure the conversion of electronic money from payment services such as Yandex.Money, Payeer, Qiwi, OKPAY, and at the same time adhere to the standards established by this Agreement.
3.1.2. Provide informational and technical support to Users in the course of their consumption of the services provided by the Online Service.
3.1.3. Guarantee the confidentiality of information regarding the performance of exchange operations (personal information of clients, the time of the transaction, the amount) and transfer them to the Users who made the corresponding payments. If a confidential payment system took part in the exchange process, then such an operation receives the status of "confidential" and is not subject to further disclosure.
3.1.4. Restrict access of unauthorized persons to payment data.
3.1.5. Provide the User with discounts in the manner prescribed by the Agreement.
3.1.6. Ensure the transfer of funds to the account of the User or a third party no later than 24 hours after the receipt of the complaint in the situations listed in clauses 3.2.5, 5.4-5.6 of the Agreement.
3.1.7. Keep secret and not disclose information on exchange operations, as well as personal data of the User of the Internet service to third parties, except for the following situations:
- by a legal decision of the court at the location of the owner of the Internet service;
- at the legal request of the competent authorities at the location of the owner of the Internet service;
- at the request of the administration of one of the payment systems, namely Perfect Money, OKPAY, Payeer, Qiwi, Yandex. Money and others.
3.2. The user assumes the following obligations:
3.2.1. Provide the Online Service with the most accurate information to ensure prompt exchange.
3.2.2. Indicate the correct details of your email address.
3.2.3. Create opportunities to receive notifications from the system by email. Provide access to the network using a computer or other device. Install anti-virus programs so that the connection to the Online Resource is as secure as possible.
3.2.4. Comply with the requirements of this Agreement.
3.2.5. Notify the administration of the resource if funds were not fully or partially credited to the recipient"s account. And also about all situations when the circumstances specified in clauses 5.4-5.6 of this Agreement took place. The notification should be sent to the administration no later than a month after the occurrence of the relevant incident. Failure to comply with this requirement leads to the transfer of the disputed amounts to the account of the Online Service.
3.2.6. Comply with the laws of your country of residence and citizenship.
3.2.7. Not to violate the requirements of regulatory enactments that establish the features of online exchange.
3.3. Rights of the mchange.net online service:
3.3.1. Stop the service for a while to troubleshoot and upgrade.
3.3.2. Stop the transaction if a request from the competent authorities, partners, or the User"s complaint about fraudulent actions is received. The exchange stops for the time it takes to clear up the situation.
3.3.3. Establish a system of discounts for exchange operations at your discretion. The exchange discount is not taken into account if the exchange service does not receive profit on the request, i.e. the exchange rate is negative or 0.
3.3.4. Set and change the commission for the exchange.
3.3.5. Restrict a potential User in access to their services without explaining the reasons for refusal.
3.3.6. If an error is made in the exchange process, then the Online Service has the right to require the User to confirm the completed operation using communication means, e-mail, a screenshot of a virtual wallet.
3.3.7. Interrupt a conversation with a User who behaves inappropriately or limits employees in obtaining the data necessary to resolve his issue.
3.3.8. Block the execution of a payment in the cases provided for in cl. 5.4-5.6 of this Agreement or the Regulations.
3.3.9. Block the transfer, and do not return the money until the User is identified.
3.4. The security service of the service has the right to freeze the client"s application if he has received illegal enrichment in any way in this or a third-party exchange service and is on the list of debtors, until the reasons are clarified and compensation for losses incurred by exchangers from this user.
3.5. The exchange service reserves the right to revise the terms of remuneration in the referral program.
3.6. Referral fees are not credited if the exchange service makes a profit of less than 0.6%.
3.7. Referral charges can be withdrawn if the invitee has 5 or more referrals. Also, each of the 5 referrals must have at least one successful application.
3.8. The online service has the right to suspend the operation in case of identifying the purpose of making a profit by the client on the difference in exchange rates. In this case, the application is blocked until the service administration clarifies the circumstances.
3.9. The service has the right to recalculate the rate fixed by the application in the event of:
- a long delay in the receipt of funds from the client to the service, due to the delay on the part of a third-party service.
- the client indicated the minimum commission for the transfer per transaction, which led to a long delay in the receipt of funds to the service account.
4.1. Mchange.net conducts electronic money exchange operations for such payment systems as Bitcoin, Perfect Money, OKPAY, Yandex.Money, Payeer, Qiwi. The banks, the list of which is available on the website, take part in making payments;
4.2. The online service does not have the authority to check whether the User has rights to funds that are involved in the exchange.
5. Regulations for making exchange transactions.
5.1. The exchange begins upon the transfer of money from the User.
5.2. The exchange is considered complete after the money is transferred to the details provided by the Client.
5.3. The user does not have the right to cancel the operation after it has started or demand a refund of the funds transferred for exchange.
5.4. If the User has transferred an amount, the value of which does not coincide with the details indicated when registering the exchange, then the Online Service has the right to stop the operation. Upon the request of the User in the manner of clause 3.2.5, the Online Service exchanges the actually transferred amount, taking into account the rate that is current at the time of the start of the transaction.
5.5. If you specify an incorrect account, the exchange will not be made. The money is returned to the User at his request on the basis of clause 3.2.5. At the same time, a commission is charged, as well as a penalty - 2% of the transfer amount.
5.6. If the User has made an adjustment to the payment amount or made a payment from someone else"s account, then the Online Service has the right to block such a payment. Refunds are made at the request of the User on the basis of clause 3.2.5. But the User is charged a commission and a penalty of 1%.
5.7. If the user of the exchanger conducts an exchange in the direction of the Bitcoin cryptocurrency, i.e. changes any of those presented in the service to Bitcoin, it should be borne in mind that transactions in the Bitcoin network take from 15 minutes to several days. This does not depend on the mchange.net exchanger in any way and it cannot influence the situation or speed up the processing of the transaction.
5.8 Receipts of funds in the direction of Visa / Master Card can be up to 5 (five) banking days.
5.9 The client undertakes to pay for the application within 15 minutes, otherwise the application may be deleted or recalculated at the current rate.
6. Responsibilities of the Parties and guarantees of the Online Service
6.1. The resource exchanger mchange does not bear any legal responsibility for the consequences of improper use of the service or for mistakes made by the User when filling out the application for the exchange of virtual currency. Payment cancellation is not carried out even if the money was sent to the wrong account.
6.2. The online service does not pay for damage resulting from the loss of performance of the equipment as a whole or of its individual parts that are used by the User during the exchange.
6.3. The online service is not responsible for payment delays or inaccuracies in its process that have arisen as a result of the actions of banks or payment systems. The exchanger is not responsible for subsequent after the exchange operation, possible blocking of bank cards and accounts of the user"s payment systems.
6.4. Mchange.net is not responsible for the User"s costs and losses incurred as a result of erroneous representations of the latter regarding tariffs, the profitability of an exchange or other subjective issues.
6.5. The mchange.net online service does not compensate for the costs caused by delays or errors in the exchange process.
6.6. The user confirms the existence of legal grounds for disposing of the funds involved in the exchange.
6.7. All losses of third parties arising from the use of the resources of the Online Service by the User are compensated by the latter in full, at the expense of the return and deduction from future applications.
7. Procedure for changing working conditions
7.1 The mchange.net administration has the right to amend or supplement this Agreement at any time. They gain power and take effect after they are published on the resource.
8. Unseen circumstances
8.1. In the event of insurmountable circumstances, the Parties are released from liability for failure to fulfill or untimely fulfillment of the terms of this Agreement. Insurmountable circumstances mean war, terrorist attack, fire, flood, riots, hacker infiltration, acts of local authorities. They also include power outages and lack of access to networks, including the Internet and communication services.
9. The procedure for performing exchange operations
9.1. The online service cannot be used to conduct illegal transactions. The user agrees to be held liable for an attempt to exchange dubious funds, in accordance with the rules of the state within which the violation was committed.
9.2. If the illegality of the payment is proven, then the Online Service has the right to provide information about this at the request of law enforcement agencies, the payment system or the injured party.
9.3. To make an exchange, the User must withdraw the corresponding number of electronic currency from his virtual wallet. At the same time, he is personally responsible for the existence of legal grounds for crediting money to the wallet, since checking the legality of this operation is not within the competence of the Online Service.
9.4. Making a bank transfer is possible within the Internet banking of the payment system. If the application was made through a bank operator or ATM, then the money is returned to the User no later than 24 hours. When transferring to a Sberbank card, the User must pay 1% of the payment amount. The return of funds takes place solely upon the determination by the security service of the sender of the transfer.
9.5. The online service is not responsible for payments made with the consent of the User by third parties.
9.6. The user accepts the Agreement in full by activating the "I agree with the exchange rules" button.