User Agreement

This document (hereinafter referred to as the "Agreement" or the "Offer") establishes the terms and procedure for the provision of services by the multi-currency exchange service obmen.money (hereinafter — the "Service"). It constitutes an official public offer addressed to persons applying to the Service's functionality (hereinafter — the "User"), proposing to conclude a service agreement on the terms set out below. Before starting to use the Service, the User must fully review the provisions of this Agreement. Access to the Service's services is granted solely on condition that the User accepts all of the terms of the Agreement without exception. The current version of the Agreement is publicly available on the Service's website at obmen.money.

1. General Provisions

1.1. This Agreement determines the procedure for the provision of the Service's services, as well as establishes the rights, obligations, and liability of each of the parties. Any application to the Service — whether performing a transaction, completing registration, or any other interaction with its functionality — is regarded as the User's full and unconditional acceptance of the terms of this Agreement. 1.2. Access to the Service's functionality is granted solely on condition of the User's full and unconditional consent to the provisions of this Agreement. 1.3. obmen.money does not act as a bank, payment system, or electronic money operator; the provision of services is carried out strictly within the limits established by applicable law. 1.4. If the User disagrees with the provisions of this Offer, they must immediately stop using the Service. Continued use of the Service after reviewing the terms of the Agreement is deemed the User's full and unconditional acceptance of these terms. 1.5. By means of the functionality placed on the website obmen.money, the Service provides the User with the technical ability to perform exchange, purchase, sale, and transfer transactions involving Digital Assets, fiat currencies, as well as non-cash and cash funds. By submitting a Request, the User thereby expresses full and unconditional agreement with the terms of this Offer and the Service's applicable rules. 1.6. The Service is not a financial institution, bank, electronic money operator, payment agent, or issuer of electronic currency. Its function is limited to providing a software and hardware complex by means of which the performance of transactions is ensured in accordance with the parameters of the User's Request. 1.7. The provision of services by the Service is conditional upon the proper completion of the Request, the provision by the User of accurate data, and their compliance with the provisions of this Agreement and the rules published on the website. 1.8. All transactions performed through the Service are carried out at the User's own risk. The Service is not liable for losses incurred by the User as a result of exchange rate changes, technical failures, or other circumstances related to the use of the Service's functionality. 1.9. The use of cryptocurrency addresses directly or indirectly connected to high-risk or illegitimate sources is not permitted.

2. Terms and Definitions

2.1. Service — the website obmen.money, through which online currency exchange services are provided to Users. 2.2. User — any person applying to the Service's services. 2.3. Digital Asset — cryptocurrency, tokens, and (or) other accounting units used in electronic settlement systems, rights to which arise as a result of transactions performed through the Service, including exchange, purchase, sale, and transfer. 2.4. Payment System — a software and hardware product created by a third party representing a mechanism for accounting for monetary obligations and organizing mutual settlements between Users. 2.5. Payment (Transaction) — the transfer of electronic or other currency from a payer to a recipient. 2.6. Client of a Payment System — a person who has entered into an agreement with the relevant payment system for the acquisition of property rights of claim against it, expressed in the conventional units applied by that payment system. 2.7. Services of the Service — operations for depositing and withdrawing electronic currencies from payment systems, as well as other services, information about which is posted on the pages of the website obmen.money. 2.8. Request — an application drawn up by the User to the Service, expressing their intention to use one of the Digital Asset exchange services. A Request is formed by means of an electronic form on the website upon provision of all necessary data; its submission means the User's agreement with this Agreement and the Service's applicable rules. 2.9. Refund — the return of Digital Assets or funds to the User upon cancellation of a transaction, an erroneous payment, or another basis provided for by the Service's rules.

3. Admission to Use of the Service

3.1. Only individuals who have reached the age of majority, possess full legal capacity, and are not subject to restrictions established by the laws of their jurisdiction have the right to use the Service. 3.2. The use of the Service from territories subject to international sanctions or restrictions, as well as by persons for whom such use is contrary to local law, is prohibited. List of prohibited countries: Russia
Belarus
Crimea
the so-called self-proclaimed republics "DNR" and "LNR"
Afghanistan
Burundi
Vanuatu
Venezuela
Guyana
Democratic Republic of the Congo
Zimbabwe
Iraq
Yemen
Iran
North Korea (DPRK)
Côte d'Ivoire
Laos
Liberia
Lebanon
Libya
Burma (Myanmar)
Papua New Guinea
Syria
Somalia
Sudan
Sierra Leone
USA
Uganda
Central African Republic
South Sudan
Abkhazia
Nagorno-Karabakh Republic
Pridnestrovian Moldavian Republic
Turkish Republic of Northern Cyprus
South Ossetia 3.3. If violations of this Agreement or signs of suspicious activity are identified, the Service has the right to refuse service, suspend the execution of a Request, or block the User's access to the Service. 3.4. This Agreement does not override the laws of the countries of registration and location of the Service and the User, nor the contractual relationships binding the User to the Payment System (systems). If, by virtue of the requirements of applicable law or other arrangements, the User is deprived of the ability to use the Service's services, such use is not permitted by this Agreement and is deemed unlawful. 3.5. The Service guarantees the confidentiality of information about the User and the transactions performed by them. Disclosure of such information is permitted only at the request of authorized government bodies, officials, or representatives of Payment Systems, and only where there are grounds provided for by law.

4. Terms of Use of the Service

4.1. The Service's services are available to all Users; at the same time, the Service does not verify the legality and lawfulness of the User's ownership of Digital Assets or financial funds and does not exercise control over the User's transactions within any Payment System. 4.2. Responsibility for funds entrusted by the User to Payment Systems or financial institutions is borne exclusively by these systems and institutions. The Service is not a party to an agreement concluded between the User and a Payment System and (or) a financial institution, and under no circumstances is liable for the unlawful or improper use by the User of the capabilities of the Payment System, or for abuse of its functionality. The mutual rights and obligations of the User and the Payment System and (or) financial institution are governed by agreements concluded between them without the involvement of the Service. 4.3. A completed operation of depositing or withdrawing a Digital Asset, as well as any other transaction offered by the Service to the User, is deemed final: after its completion — that is, after the User receives the funds due to them under the terms of a previously accepted Request — cancellation of such transaction by the User is not possible. 4.4. Upon receipt from authorized bodies of information regarding the unlawfulness of the User's ownership of Digital Assets or financial funds, or other information precluding the Service from providing services to this User, the Service has the right to suspend or cancel the transaction being performed. 4.5. If the User violates the terms of the exchange or the provisions of this Agreement, the Service has the right to suspend the execution of a Request for up to 48 working hours, or to cancel its execution — until the User's identification is fully completed. In such a case, refunds are made with a deduction of the Service's commission of up to 5%, and the amount of the commission may not exceed the equivalent of USD 100. If the User refuses to undergo AML/KYC verification, the funds shall be returned within 10 days — provided there are no violations of this Agreement or applicable law on the User's part. 4.6. The Service has the right, without explanation of the reasons, to cancel a transaction being performed, returning to the User the electronic currency and (or) financial funds deposited by them.

5. Rights and Obligations of the User

5.1. Rights and obligations of the user 5.1.1. When submitting a Request, the User must provide accurate, up-to-date, and complete information, and must also promptly make changes to the data when it is updated. 5.1.2. The User must use the Service exclusively for lawful purposes and bears full responsibility for actions performed using their data and credentials, including transactions with Digital Assets. 5.1.3. Before confirming a transaction, the User must independently verify the correctness of the details, amount, and direction of the exchange. The Service is not liable for errors made by the User. 5.1.4. The User has the right to contact support to clarify information about the exchange or the status of a transaction. 5.1.5. The User must comply with the Service's instructions communicated to them through the website, correspondence, or notifications relating to the performance of a specific transaction. 5.1.6. The User confirms that they have all the rights and authority necessary to dispose of the Digital Assets or funds involved in the exchange transaction.

6. Rights and Obligations of the Service

6.1. Provided that the User properly performs all necessary actions, the Service undertakes to conduct exchange transactions in accordance with the terms specified on the website. 6.2. If it is necessary to comply with security and AML/KYC requirements, and also if signs of suspicious activity are identified (for example, deposit structuring detected by the liquidity provider), the Service has the right to request additional information or documents from the User. For the purposes of identifying the User, the Service has the right to request the following documents: Contact information:
Messenger nickname (Telegram);
Phone number;
Email address. Identity documents:
Internal and/or foreign passport;
Identity card, ID card;
Driver's license. Documents confirming residential/registration address:
Copy of a utility bill;
Copy of a telephone bill;
Copy of an electricity bill;
Bank statement. If necessary, the Service has the right to request other information. 6.3. The Service has the right to suspend, reject, or cancel a transaction if one of the following grounds is present:
the presence of signs of fraudulent or suspicious activity;
the identification of inaccuracy or errors in the data provided;
the need to carry out an additional verification of the transaction within the framework of applicable law;
a violation of the Service's internal policy or the requirements of applicable law. 6.4. The Service must ensure the confidentiality of the User's data, except in cases provided for by law or AML/KYC rules. 6.5. The Service has the right to unilaterally change exchange rates, the amount of commissions, limits, rules of use, and other parameters of its operation by posting corresponding updates on the website. Such changes take effect from the moment of their publication, without prior notice to the User. 6.6. The Service is not liable for delays caused by the functioning of third-party systems — banks, blockchain networks, payment gateways, payment processors — as well as network overloads or technical failures on the part of third parties. 6.7. For the purposes of carrying out technical work, modernization, or improving the level of security, the Service has the right to temporarily restrict access to individual functions or to the website as a whole. Users are notified of planned works in an accessible form through the website. 6.8. Regardless of the direction of the exchange and the method of transferring assets, the Service undertakes to ensure the quality and legitimacy of the assets transferred to clients. 6.9. Provided that the client has properly complied with the terms of the exchange, the Service is obliged to compensate them for documented direct losses arising directly from the properties or parameters of a banking, cryptocurrency, or other transaction performed by the Service in executing the client's Request (including, among other things: due to AML flagging, recognition of the sender as unreliable, an insufficient network fee, and similar circumstances). Losses caused by changes in asset exchange rates, the client's investment decisions, their actions after receiving the funds, or other circumstances not directly related to the properties of the transaction itself are not subject to compensation. 6.10. If, for more than 6 (six) months, the User does not apply to the Service with a demand for the return of funds blocked as a result of AML checks conducted by third parties (for example, centralized exchanges whose wallets are used in executing the Request), the Service has the right, at its own discretion, to determine the form of such a refund — in USDT or another token, at the rate on the date the Request was made or at the rate on the date of the refund.

7. Liability of the Parties

7.1. Liability of the Service 7.1.1. Provided that the User provides accurate data and fulfills all of the Service's requirements, the Service is liable for the proper performance of transactions in accordance with the parameters of the Request and the terms of this Agreement. 7.1.2. The Service is not liable for losses of the User resulting from:
the User's indication of incorrect details;
errors made in the transfer amount;
improper or untimely performance by the User of their obligations;
the use of outdated data;
actions of third parties, including payment systems, banks, cryptocurrency networks, and other third-party services. 7.1.3. The Service is not liable for delays or the impossibility of performing transactions caused by:
technical failures in blockchain networks, settlement systems, banks, or third-party services;
the need to undergo verification due to legal requirements, or transaction checks for security purposes;
the actions of intermediaries involved in the execution of the Request, including payment systems, banks, and exchanges;
the blocking of a transaction or wallet by a centralized cryptocurrency exchange whose wallets are used in executing the Request. 7.1.4. Services are provided by the Service "as is," without any additional guarantees, including with respect to rate stability, processing speed, and the availability of specific exchange directions. 7.2. Liability of the User 7.2.1. The User is responsible for the accuracy of the information provided, the correctness of the details, the amount, and the purpose of the payment, as well as for compliance with the requirements of this Agreement and applicable law. 7.2.2. If the User's actions contain signs of fraud, are connected with the use of forged documents, money laundering, or circumvention of the Service's rules, liability for such actions rests exclusively with the User. In this case, the Service has the right to transfer the relevant data to competent authorities. 7.2.3. If losses are caused to the Service by the User's actions — including breach of the terms of the Offer, the provision of false data, or attempts to interfere with the operation of the platform — the User undertakes to compensate them in full.

8. Cost of Services

8.1. Information on the cost of the Service's services is published on the website obmen.money. 8.2. The Service has the right, at any time and unilaterally, to change exchange rates for Digital Assets and the amount of commissions charged, notifying Users thereof in advance by posting relevant information on the Service's website. 8.3. A Request submitted by the User on the website obmen.money contains an indication of the exchange rate, the amount of the commission charged by the relevant Payment System for performing the transaction, the amount of the Service's fee, and the final amount of the funds or electronic currency to be transferred. 8.4. The Service's fee is charged at the time the corresponding transaction is performed. The amount of this fee is indicated in the Request and confirmed by the User at one of the stages of the user interface during its submission.

9. Form of the Agreement

The Service and the User recognize this Agreement on the rules for using the Service as a contract drawn up in writing and having equal legal force to a written contract. 9.1. This Agreement is deemed concluded on the terms of a public offer, acceptance of which is carried out by the User by means of submitting a Request. 9.2. Information about the parameters and terms of the Request displayed by the Service is recognized as a public offer. 9.3. Acceptance of the public offer is deemed to be the User's performance of actions aimed at completing the formation of a Request and confirming their intention to use the Service's services on the terms set out in this Agreement, the AML Policy, and in the Request itself. 9.4. The date, time of acceptance, and the parameters of the terms of the Request are automatically recorded by the Service at the moment its formation is completed. 9.5. The Agreement takes effect from the moment the User completes the formation of the Request. Before paying for the transaction, the User has the right to refuse to complete it.

10. Claims and Disputes

Claims under this Agreement are accepted by the Contractor in the form of an electronic letter setting out the substance of the claim, sent to the Contractor's details specified on the website. 10.1. The Service has the right to unilaterally amend the Agreement by publishing the amendments on the website. Such amendments take effect from the moment of publication, unless a different effective date is established separately. 10.2. If suspicious actions on the part of the User are identified during the submission of a Request, the Service has the right to suspend the performance of the corresponding transaction until the circumstances are clarified. 10.3. If the original currency was transferred without prior submission of a Request through the website's user interface, the Service has the right to refuse to perform an exchange, purchase, or sale transaction. In this case, the funds may be returned less a commission. 10.4. The Service has the right to send the User information about the progress of the exchange to the email address they specified, since such information constitutes part of the successful completion of the transaction. 10.5. All disputes and disagreements arising from this Agreement are resolved through negotiations on the basis of a written statement from the User. Within 10 (ten) days, the Service must either satisfy the stated demands or provide a reasoned refusal. If the dispute is not resolved within 60 days, either party has the right to apply to the court at the User's place of residence.

11. Procedure for Submitting and Executing Requests

11.1. To use the Service's services, the User needs to complete the electronic Request form on the website obmen.money, indicating all required data, including payment details, the selected exchange direction, and the volume of Digital Assets. 11.2. By forming a Request, the User confirms that they are familiar with the exchange rate, the amount of the commission, limits, execution timeframes, and other parameters of the transaction displayed on the website. 11.3. A Request is accepted by the Service for processing after it has been properly completed by the User and payment has been made, following which the system automatically assigns it the status "Paid by client" or another similar status confirming the fact of payment in the Service's interface. 11.4. The transfer of funds or Digital Assets must be carried out by the User strictly in accordance with the details provided by the Service and specified in the Request. 11.5. The Service begins execution of the Request after the funds have actually been received at the specified details and the transaction has been confirmed by the relevant payment system or blockchain network. 11.6. The Service is not liable for delays caused, among other things, by the following circumstances:
overload or slowed operation of the blockchain network;
delays on the part of payment systems or banks;
errors made by the User in specifying details;
technical malfunctions on the part of third parties. 11.7. If errors, signs of suspicious activity, data discrepancies, or violations of the terms of this Offer are detected, the Service has the right to suspend the execution of the Request until the circumstances are clarified and (or) request additional information from the User, supporting documents, or completion of verification necessary for the execution of the Request. 11.8. A Request is deemed executed at the moment the Digital Assets or funds are sent to the details specified by the User. The Service is not liable for the further fate of the funds after they have been sent. 11.9. The User bears full responsibility for the correctness of the details and data provided that are necessary for the execution of the Request. In the event of an error, the return or restoration of funds is not guaranteed.

12. Conducting Exchange Transactions

12.1. The use of the Service's services for conducting illegal transfers or fraudulent activities is strictly prohibited. By entering into this Agreement, the User undertakes to comply with this requirement and, in the event of committing fraud, to bear the criminal liability established by applicable law. 12.2. If automatic execution of the Request proves impossible for reasons beyond the Service's control — such as lack of connection, insufficient funds, or erroneous User data — the funds are credited to the account within the following 24 working hours or returned to the User's details less commission expenses. 12.3. In order to combat the legalization of proceeds obtained by criminal means and the financing of terrorism, the exchange office conducts an AML check on all transactions received from clients. If a transaction under a Request is deemed high-risk, the exchange office has the right to temporarily suspend its processing in order to carry out an AML check in accordance with FATF standards. The review of such requests may take up to 72 working hours, and in certain cases — a longer period of time. 12.4. Upon first request, the Service is obliged to provide information on the transfer of Digital Assets to law enforcement agencies, the administration of settlement systems, as well as to persons who have suffered from fraud, the fact of which has been established by judicial authorities. 12.5. The User undertakes to refrain from interfering with the operation of the Service and from causing damage to its software or hardware, and also to provide accurate information necessary for the Service to properly comply with the terms of this Agreement.

13. Risk Warning

13.1. The User acknowledges and assumes all risks associated with the exchange of Digital Assets, including possible delays, exchange rate fluctuations, commission costs, and the irreversibility of transactions. 13.2. The Service is not liable for losses arising from incorrect indication of details, changes in the exchange rate, or failures in the operation of payment systems. 13.3. Transactions performed through the Service are final and not subject to cancellation, except in cases directly provided for by this Agreement. 13.4. The User undertakes to verify the correctness of the data entered when submitting a Request and not to use the Service for purposes contrary to law.

14. Taxation

14.1. The Service does not act as the User's tax agent and does not notify them of tax obligations. Payment of all taxes provided for by the tax laws of the jurisdiction of the User's residence is carried out by them independently. 14.2. If government authorities require the Service to pay taxes on behalf of the User or to settle a debt arising from the User's refusal to pay taxes, the User undertakes to compensate the Service for all payments incurred in connection therewith.

15. Force Majeure

15.1. The Service is released from liability for partial or complete non-performance of obligations if it is caused by circumstances of force majeure, which include:
failures in the functioning of blockchain networks;
large-scale DDoS attacks;
power supply interruptions, natural disasters, military actions;
regulatory prohibitions and intervention by government authorities.

16. Refusal of Obligations

16.1. The Service has the right, without explanation of the reasons, to refuse to enter into this Agreement or to execute a Request. This provision applies to any User.

17. Refusal to Credit or Refund Funds

17.1. The Service is not liable for a refusal to credit funds or refund them in the following cases:
the presence of errors in details preventing the crediting of funds;
verification of the transfer by the recipient's bank;
delays in the making of payments by third parties (financial or other institutions);
blocking of the User's account at the request of a financial monitoring body or another government or law enforcement institution;
restriction or freezing of funds in accordance with the rules of a banking or other financial institution;
refusal to credit or refund funds, initiated by the User themselves;
other regulatory or technical reasons beyond the Service's control.

18. Suspension of Service in the Presence of Debt

18.1. Upon receiving confirmed information about the existence of the User's debt to affiliated or partner services, the Service has the right to suspend the processing of their requests, including payouts. The User agrees that such information may come from trustworthy third parties. If a debt is identified, the Service has the right to:
temporarily suspend the execution of the Request;
notify the User of the existence of the debt;
refer the User to the relevant service to resolve the matter;
transfer the information necessary for identification strictly within the framework of the law and solely for the purpose of resolving the matter. The User confirms their consent to such processing of data and undertakes to resolve financial disputes independently.

19. Storage and Processing of Personal Data

19.1. The Service receives from the User the personal data necessary for the provision of services and undertakes to store it in encrypted form, not disclosing it to third parties, except in cases provided for in clause 12.4 of this Agreement or by law. 19.2. The Service has the right to collect additional information about the User to the extent necessary to provide services and ensure the security of transactions. The data collected retains a confidential nature and is not transferred to third parties, except in cases provided for by law. 19.3. The Service has the right to transfer personal data and information about completed transactions:
on the basis of an official written request from an exchange, an electronic settlement system, or a court;
to law enforcement agencies — within the framework of investigating fraud or other violations;
to the User themselves, to whom the relevant data belongs. 19.4. Data about the User and information about completed transactions are stored in the Service's database for 3 (three) months from the moment of execution of the User's last Request. The Service reserves the right to extend the specified storage period in order to comply with legal requirements or internal security policies. 19.5. The User has the right to:
receive information about their personal data stored in the Service;
demand correction or updating of such data;
if necessary — request the deletion of data to the extent permitted by law and AML/KYC requirements.