Rules

1.1. These Terms govern the use of the PureChange cryptocurrency exchange service (the “Service”).

1.2. By using the Service, the User confirms that they have read, understood, and fully accepted these Terms, the AML/KYC Policy, the Privacy Policy, and any other documents published on the website.

1.3. The Service provides the technical means for exchanging digital assets and, where relevant exchange directions are available, fiat funds.

1.4. The Service is not a bank, investment adviser, broker, custodian, or guarantor of the value of cryptocurrency.

1.5. The User is responsible for independently assessing all risks associated with digital-asset transactions.

2.1. Only legally competent persons who have reached the age required under the laws of their country to conduct financial transactions may use the Service.

2.2. The User undertakes to provide accurate, complete, and up-to-date information when registering, creating an Order, and completing identity verification.

2.3. It is prohibited to use the Service on behalf of third parties or to provide other persons with access to the User’s personal account.

2.4. The User is responsible for safeguarding their login credentials, password, two-factor authentication codes, API keys, and any other access data.

2.5. The User must immediately notify customer support if they suspect unauthorized access to their account or compromise of their payment details.

2.6. The Service may refuse to provide services to the User, restrict or terminate the User’s access to the Service without prior notice, including where there are reasonable grounds to believe that the use of the Service violates these Terms, AML/KYC requirements, applicable law, the rights and legitimate interests of the Service or third parties, or creates technical, financial, reputational, or other risks for the Service.

3.1. To conduct an exchange, the User creates an Order and specifies the exchange direction, amount, cryptocurrency receiving address, payment details, and any other information required to process the Order.

3.2. Before confirming an Order, the User must carefully verify:

• The selected exchange direction;

• The amount to be sent and the amount to be received;

• The rate type: fixed or floating;

• The exchange rate, fee, and final exchange amount;

• The cryptocurrency wallet address;

• The transfer network, as well as Memo, Tag, Destination Tag, and any other required identifiers, where applicable;

• Payment details;

• The time allowed to pay for the Order;

• Minimum and maximum limits for the relevant exchange direction.

3.3. The Service applies either a fixed or floating exchange rate to each exchange direction. Information about the applicable rate type is displayed to the User on the Order creation page. If the rate type is not explicitly specified, the rate for the relevant Order shall be deemed fixed.

3.3.1. With a fixed exchange rate, the exchange rate is locked for the payment period specified in the Order. The payment period is the time during which the User must send funds to the Service’s payment details and, if required for the relevant exchange direction, provide proof of payment.

3.3.2. With a floating exchange rate, any rate displayed before payment is for informational purposes only. The final exchange rate is determined at the time funds are actually received by the Service and is established in accordance with Clause 3.4 of these Terms.

3.3.3. If the market rate changes before funds are actually received for an Order with a floating exchange rate, the Service may proportionally recalculate the amount of digital assets or fiat funds to be transferred to the User.

3.4. An Order shall be deemed paid only after funds have actually been received by the Service using the payment details provided. For cryptocurrency transactions, an Order shall be deemed paid after the asset has been received on the specified network and the number of blockchain confirmations required by the Service for the relevant exchange direction has been obtained.

3.5. The User must pay for an Order strictly within the payment period specified in the Order. Funds sent after the payment period has expired may not be credited automatically, may be processed at the current exchange rate, or may require manual processing by customer support.

3.5.1. Transferring funds after the payment period has expired may result in the inability to process the Order, processing delays, recalculation of the amount, deduction of actual return-related expenses, or loss of the possibility of a refund where such refund is technically impossible.

3.5.2. The Service shall not be liable for the consequences of paying for an Order after the specified payment period has expired, including exchange-rate changes, processing delays, return-related expenses, or the inability to return funds.

3.6. When paying with fiat funds, the User must provide a receipt, payment confirmation, payment order, or other proof of transfer within the payment period, if such requirement is provided for by the terms of the relevant exchange direction or the Order interface.

3.6.1. Failure to provide proof of a fiat transfer within the specified period may result in cancellation of the Order, recalculation at the current exchange rate, processing delays, or the need to contact customer support.

3.7. The User must send funds strictly in the currency, network, and to the payment details specified in the Order. When transferring cryptocurrency, the User must correctly specify all required transfer parameters, including Memo, Tag, Destination Tag, Payment ID, or a similar identifier, where applicable.

3.8. Sending funds in an unsupported currency or network, to incorrect payment details, without a required payment identifier, or making any other User error may result in an irreversible loss of funds. The Service does not guarantee the ability to trace, credit, or return such funds.

4.1. Cryptocurrency exchange rates are determined based on market conditions, liquidity, network fees, operating expenses, and the terms of the relevant exchange direction.

4.2. The standard processing time for an Order is up to 180 minutes from the time funds are actually received by the Service using the specified payment details. This timeframe is indicative and may be extended depending on the selected currency, blockchain network congestion, the number of required confirmations, the operation of banks and payment systems, and the need to conduct AML/KYC verification.

4.3. The Service shall not be liable for delays caused by the operation of third-party networks, banks, payment systems, liquidity providers, technical failures, or force majeure circumstances.

4.4. Blockchain, bank, payment-system, and third-party service fees may be charged in addition to the Service fee where provided for by the terms of the relevant exchange direction.

5.1. The Service complies with applicable requirements related to anti-money laundering, counter-terrorist financing, fraud prevention, and sanctions compliance.

5.2. The Service may request that the User complete a KYC verification procedure, including by providing an identity document, selfie, proof of address, proof of source of funds, proof of wallet ownership, bank documents, and other information.

5.3. The Service may perform automated and manual AML analysis of incoming and outgoing cryptocurrency transactions.

5.4. If elevated risk, suspicious activity, connections to prohibited activity, sanctioned addresses, fraud, mixers, darknet marketplaces, or other high-risk sources are identified, the Service may:

• Suspend processing of the Order;

• Request additional documents and explanations;

• Refuse to process the transaction;

• Return funds after deduction of actual fees, where a return is permissible;

• Provide information to competent authorities where required by law.

5.5. A User’s refusal to complete AML/KYC verification may serve as grounds for suspension or cancellation of the Order.

5.6. The Service does not guarantee an immediate return of funds in respect of Orders suspended as part of an AML/KYC review. The review period depends on the circumstances of the review and the completeness of the information provided.

The User is prohibited from:

• Using the Service to launder illicit proceeds, finance terrorism, commit fraud, or engage in any other unlawful activity;

• Using third-party bank cards, accounts, cryptocurrency wallets, or payment accounts without legal authorization;

• Providing forged documents or inaccurate information;

• Circumventing restrictions, limits, geographic restrictions, AML/KYC procedures, or sanctions restrictions;

• Using software or other means to disrupt the operation of the Service, perform password-guessing attacks, API attacks, DDoS attacks, unauthorized scraping, or exploit vulnerabilities;

• Creating multiple accounts to circumvent limits or restrictions;

• Publishing false information about the Service, impersonating its representatives, or using the PureChange brand without authorization.

7.1. The User may cancel an unpaid Order before funds are received by the Service.

7.2. If funds have already been received, cancellation or refund is possible only after contacting customer support and where technically and legally possible.

7.3. Refunds are generally made to the address or payment details from which the funds were received, unless another procedure is agreed upon by the Service and does not contradict AML/KYC requirements.

7.4. In the event of a refund, blockchain, bank, payment-system, liquidity-provider, and other actual Service-related expenses may be deducted.

7.5. A refund shall not be made automatically where the User provided incorrect payment details, sent an asset through an unsupported network, failed to specify a required Tag/Memo, or made another error that prevents a refund from being technically possible.

8.1. Cryptocurrencies are highly volatile. The User understands that the value of digital assets may change significantly in a short period of time.

8.2. The Service shall not be liable for losses incurred by the User as a result of changes in market rates, network delays, User errors, actions of third parties, loss of access to a wallet, or compromise of the User’s data.

8.3. The Service does not guarantee uninterrupted or error-free operation of the website, API, personal account, or other platform components, but takes reasonable measures to maintain their availability and security.

8.4. To the extent permitted by applicable law, the Service’s maximum liability shall be limited to the amount of the fee paid by the User in connection with the disputed transaction, except where a different scope of liability is expressly required by law.

8.5. The User is fully responsible for the accuracy of the payment details provided, compliance with the laws of their country, and payment of taxes associated with exchange transactions.

9.1. The Service processes the User’s personal data for registration, Order processing, AML/KYC verification, fraud prevention, customer support, and compliance with legal requirements.

9.2. The User consents to the processing of their personal data.

9.3. The Service may disclose data to competent public authorities, banks, payment providers, KYC/AML providers, and other counterparties where and to the extent required by law or necessary to process an Order.

10.1. The Service may amend these Terms at any time. A new version shall take effect upon publication on the website unless otherwise stated.

10.2. Continued use of the Service after publication of an updated version constitutes the User’s acceptance of the amended Terms.

10.3. For questions regarding Orders, refunds, verification, or technical support, the User may contact the Service through the contact details published on the PureChange website.