Rules

TERMS AND CONDITIONS OF ACCESS TO THE SERVICE Cryptomat.cc

Before using the capabilities of the Cryptomat.cc platform, the User must carefully read these Terms of Service. Access to the functionality of the Cryptomat.cc service is possible exclusively upon the User's full agreement with all the provisions of this agreement. We strongly recommend that you familiarize yourself with the rules established on the platform, as they govern the procedure for its use.

1. TERMS AND DEFINITIONS

1.1 The Terms of Use describe the relationship and define the rights and obligations arising between the customer who performs the exchange (hereinafter referred to as the User) and the Cryptomat.cc web platform (hereinafter referred to as the Service).

1.2 In order to use the services of the Service, the User must accept all the terms and conditions of this agreement.

1.3 Access to the services of the Service is provided to the User only after confirming that they have read the Terms and agree with them.

1.4 Cryptomat.cc is a trademark of a platform providing online electronic currency exchange services, specially designed for the convenience of customers.

1.5 User is a person using the available services of the Service in accordance with the proposed terms.

1.6 Payment system is a set of established rules and procedures intended for transferring funds in electronic format.

1.7 Payment/Transaction is the process of transferring electronic currency from the sender to the recipient and vice versa.

1.8 Application — an electronic message from the User expressing their intention to use the services in accordance with the conditions established by the Service.

1.9 Services of the Service — operations for depositing and withdrawing electronic currency, as well as other services described on the Service's website.

1.10 The "Rate" section on the application page, as well as information sent by the Service to the user by email, indicates the current rate at the time the application is created.

2. ACCESS TO THE SERVICE

2.1 In order to start using the services of the Service, the User must leave a request on the official website at: cryptomat.cc.

2.2 On the interface of the Service website, the User has the ability to monitor the exchange process and check the status of their application.

2.3 Execution of applications by the Service is carried out in accordance with the operating conditions of partner payment systems. The Service is not responsible for the functioning of third-party payment systems.

2.4 The Service has the right to verify the legality of the User's ownership of electronic currencies and/or funds participating in a specific operation.

2.5 The User undertakes to transfer funds in the amount specified in the application, and the Service undertakes to transfer funds calculated taking into account the exchange rate and commission, provided the amount is not lower than the minimum allowable (minimum application amount). Otherwise, the application will be considered unpaid.

2.6 The amount of the Service's remuneration for providing services is displayed in the exchange rate specified in the application, and the User agrees to this rate by following the instructions when completing the application.

2.7 As soon as the funds are debited from the Payment system from the Service's account, the funds transfer service is considered completed. The transaction will be displayed in the transaction history of the corresponding Payment system and in the client's personal account.

2.8 The withdrawal application will be canceled if funds are not received into the Service's account within the specified time. In case of late receipt of funds, they can be returned to the User minus the commission, upon request, within 24 hours.

2.9 If the transaction does not reach the network within 10 minutes after creating the application, the Service has the right to recalculate the exchange rate at the time the funds are credited to the exchange. (This rule applies to those directions where the rate is fixed at the time of application creation.)

2.10 When exchanging one electronic currency for another, the rate is fixed at the moment the funds are credited to the exchange, and the recalculation will be performed at the current rate without prior notice to the User. (Check the exact number of confirmations required for crediting funds to the exchange with the operator in the chat.)

Changing the application rate is possible only if it decreases. If the rate increases, the payout amount will not change.

2.11 When exchanging through banks or payment systems, the rate is also fixed at the moment the funds are credited to the exchange, and the Service has the right to change the rate without prior notice to the User.

2.12 Funds received later than the set time are kept on the Service's account for 30 business days. After this, the information may be destroyed, and a refund will not be possible.

2.13 Refunds are not issued if the User sent funds below the minimum set amount. The User undertakes to provide correct payment details. In case of an error in the sender's details, the Service has the right to request additional data to identify the transfer.

2.14 If the User specified invalid or blocked details, or refused to complete the transaction, the Service has the right to suspend or terminate the transaction after receiving a written request from the User, deducting a 2% penalty and the payment system's commission.

2.15 Under normal conditions, requests are processed within 300 minutes (5 hours) after the funds are credited to the Service's account. In the event of technical issues on the side of payment systems or banks, the processing time may be extended up to 24 hours.

2.16 In case of an erroneous transfer of an amount exceeding the one specified in the application, the User undertakes to return the excess funds received. If no response to the return request is received, the Service has the right to withhold this amount in a future exchange.

2.17 If funds do not arrive at the Service's account within 2 hours, the Service has the right to recalculate the application amount at the current rate or return the funds to the sender. All return commissions will be deducted from the refund amount.

2.18 The User undertakes to provide identity confirmation documents if fraud or money laundering is suspected.

2.19 Upon the Service's request, the User undertakes to provide additional evidence of the funds transfer, such as screenshots or videos confirming login to the platform from which the transfer was made.

2.20 In case of funds blockage by a payment system or cryptocurrency exchange, the application will be frozen until the funds are unblocked. The rate will be fixed at the time the funds are unblocked, and the User is obliged to provide all necessary documents for unblocking.

2.21 The Service can only return cross-deposits whose amount at the time of the transaction is equivalent to 100 USD. A cross-deposit is understood as depositing one cryptocurrency to an address intended for another cryptocurrency, or with an incorrect or missing special identifier on the blockchain network.

2.22 The return period for cross-deposits can take up to 90 days, starting from the moment all necessary data is received.

2.23 A commission of 30% of the return amount is charged for returning a cross-deposit.

2.24 Not all cross-deposits are subject to return.

2.25 The Service does not return coins and tokens not listed on the website for exchange.

2.26 The User is obliged to provide screenshots and videos showing from which website or program the funds were sent, as well as the transaction history.

2.27 If the User paid an application below the established amount, the Service has the right to recalculate the payout at the current rate deducting a 1% penalty and the payment system commission without notification.

2.28 If the User made a deposit to the Service's account at an inappropriate time or repeatedly, a refund will be made withholding a 1% commission, as well as expenses associated with currency conversion and payment system commissions. A return is possible only if the deposit was successfully credited by the payment system.

2.29 When exchanging funds in fiat currencies (e.g., bank cards), the request amount may be divided into parts (up to 5 transactions) using counter-orders. This is due to the internal limits of payment systems and banks.

2.30 To confirm the fact of funds exchange, the Service has the right to request from the User a screen recording from the banking application or an official bank statement.

2.31 If the User requires reporting documents (receipts) for the completed transaction, they must notify the operator about this before the execution of the request begins. Otherwise, the provision of receipts is carried out exclusively upon an official request from the bank.

3. COST OF SERVICES

3.1 The exchange rate is always available on the Service's website and is updated in real time.

3.2 The exchange commission is included in the exchange rate for each specific exchange direction.

3.3 The Service reserves the right to change exchange rates without prior notice to the User.

3.4 The Service offers a bonus system for registered users. Information on discounts and bonuses can be found on the “Partners” page on the website.

4. RESPONSIBILITY OF THE PARTIES

4.1 The Service provides services for the exchange, purchase, and sale of electronic money.

4.2 The Service undertakes to provide services during working hours, ensuring their high quality, as well as to provide timely technical support.

4.3 The execution of obligations by the Service to the User is limited to the amounts transferred by the User to perform the operation.

4.4 The Service is not liable for financial losses of the User caused by actions of third parties violating the law.

4.5 The Service is not liable for losses, lost profits, and other expenses of the User related to delays, errors, or failures in the process of bank or electronic payments.

4.6 To register, the User must provide a valid email address.

4.7 The Parties are released from liability for non-fulfillment of obligations if the cause is force majeure — unforeseen circumstances that the parties could not prevent or foresee.

4.8 Force majeure circumstances include natural disasters (floods, earthquakes, fires), military actions, acts of government authorities, and any other events beyond the control of the parties.

4.9 The User guarantees that they are the legal owner or have the right to dispose of the funds used in their transactions.

4.10 In case of providing incorrect recipient details, the Service is not liable for possible negative consequences or damages.

4.11 The User undertakes not to violate legislative norms, not to interfere with the operation of service programs, and not to disrupt the normal operation of service communications.

4.12 The Service ensures the confidentiality of information about the User and their operations. However, in the event of a lawful request from government authorities or Payment system representatives, the information may be disclosed.

4.13 During the provision of services, the Parties communicate via technical support, email, and messaging apps supported by the Service.

4.14 The Service is not responsible for the quality and deadlines of work provided by other Payment Systems.

4.15 The User undertakes to provide details exclusively for their personal accounts, wallets, or exchange accounts. The use of third-party accounts is strictly prohibited. In the event of detecting a transfer in favor of a third party, the Service has the right to suspend the transaction until the circumstances are clarified.

4.16 The Service has the right to cancel the current operation and return the funds or digital assets to the User minus commissions, without explaining the reasons.

4.17 The Service may refuse further service to the User in case of violation of any conditions of this agreement.

5. OTHER AGREEMENTS OF THE PARTIES

5.1 Using the Service to conduct fraudulent or illegal operations is strictly prohibited. The User acknowledges that attempts to exchange funds obtained criminally may result in legal liability in accordance with current legislation.

5.2 The Service Administration has the right to transfer information about such operations to law enforcement agencies, Payment system administrations, and victims of fraud upon the first request if the fact of fraud is confirmed.

5.3 The Service Administration retains the right to refuse service provision to any user without explaining the reasons.

5.4 Information about the User and their operations is stored on the Service's servers for three months. Upon the client's request, access to the account can be temporarily restricted or permanently deleted.

5.5 The Service may send exchange status messages to the email address specified by the User, as this is a necessary element of the transaction completion process.

5.6 The Service may also send personal promotions and discount offers to the User's provided email address. The User can opt out of receiving such notifications by notifying the Service.

5.7 All questions, disputes, and disagreements are resolved through negotiations. To do this, a written request must be sent to the email address specified in the "Contacts" section, using the address specified during the creation of the application.

5.8 The Service Administration has the right to make changes to this Agreement at any time. All changes take effect from the moment they are published on the Service's website.

5.9 The Service has the right to terminate communication with the client if the latter does not show due respect to the Service's employees or obstructs obtaining the necessary information to resolve an issue.

5.10 Creating and using multiple accounts to receive referral rewards is prohibited.

5.11 Using the Service logo in paid online advertising or advertising networks is prohibited.

5.12 Distributing spam with a referral link is also prohibited.

5.13 The Service reserves the right to change the referral program conditions without prior notice.

6. TAXATION

6.1 The Service is not a tax agent for the User and does not undertake to inform them of tax obligations. The User is solely responsible for paying all taxes in accordance with the tax legislation of their country of residence.

6.2 In the event that authorities require the Service to pay taxes or cover the User's debt associated with non-payment of taxes, the User undertakes to reimburse the Service for all related expenses and payments.

7. USER VERIFICATION PROCEDURE

7.1 When using the Cryptomat.cc exchange service, the User agrees to undergo a mandatory identity verification procedure.

7.2 The Service has the right to request any personal data in the required format and volume that it considers necessary for full identification.

7.3 The User agrees to necessary identity checks, both directly by the Service and through third-party companies, to protect against financial crimes such as fraud. KYC services or other systems that verify the origin of funds may act as third parties. The User does not limit the choice of such third parties.

7.4 Upon passing identification, the User consents to any investigations the Service deems necessary to confirm identity. The Service has the right to involve third-party organizations to conduct such investigations.

7.5 By using the Service, the User agrees to mandatory verification of all transactions from online addresses conducted within AML (anti-money laundering) procedures.

7.6 The Service has the right to request additional identification from the User if their online wallet address is associated with the following sources of funds:

• Illegal Service

• Mixing Service

• Fraudulent Exchange

• Darknet Marketplace

• Darknet Service

• Ransom

• Scam

• Stolen Coins

• Terrorism Financing

• Sanctions

• Illicit Actor/Organization

• High-Risk Jurisdiction

• Gambling

• Fraud Shop

• Enforcement action

• Child Exploitation

• Sanctioned or undesirable services: Garantex, CommEx, TornadoCash, Payeer, WhiteBit etc.

And also, if AML transactions exceed 50.

7.7 If a connection is established between the origin of the funds and the aforementioned items, the internal blacklist of the Service or Payment system, or if the AML transaction amount exceeds 50, after the client successfully passes the identification procedure and the incident is reviewed by the regulator, the Service has the right to return the funds to the initial address or the address specified in the application. In this case, the refund amount will be reduced by 5% (but no more than 100 USD) as a penalty, and the costs associated with conducting the AML check and the Payment system's commissions will also be covered. Refunds are processed within 72 hours after the decision is made, provided the funds have not been frozen by the Payment system. The refund or exchange procedure can only be finalized after successful completion of all verification stages and the regulator's incident analysis. Verification may take up to 30 days.

7.8 The Service reserves the right to block funds until the User's identity verification process is completed.

7.9 The User undertakes to comply with all requirements established by the legislation of the country in which they are located, as well as the country of which they are a citizen. The User also undertakes to comply with regulations governing online conversion operations.