TERMS AND CONDITIONS OF ACCESS TO THE Cryptomat.cc SERVICE

Before using the Cryptomat.cc platform, the User must carefully read these Terms of Service. Access to the Cryptomat.cc service is only possible with the User's full agreement to all the provisions of this agreement. We strongly recommend that you familiarize yourself with the rules established on the platform, as they govern 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, the User must accept all the terms and conditions of this agreement.

1.3 Access to the Service is provided to the User only after confirmation of their acceptance of the Terms and Conditions.

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 who uses the available services of the Service in accordance with the proposed terms and conditions.

1.6 Payment system is a set of established rules and procedures designed to transfer 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 terms and conditions established by the Service.

1.9 Service — operations for depositing and withdrawing electronic currency, as well as other services described on the Service 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 Service, the User must submit an application on the official website at: cryptomat.cc.

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

2.3 Requests are fulfilled by the Service in accordance with the terms and conditions of the 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 involved in a specific transaction.

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

2.6 The amount of the Service's remuneration for the provision of services is displayed in the exchange rate specified in the application, and the User agrees to this rate by following the instructions when placing 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 relevant Payment System and in the client's personal account.

2.8 A request for withdrawal of funds will be canceled if the funds are not received by the Service within the specified time. In case of late receipt of funds, they may be returned to the User, minus a commission, upon request, within 24 hours.

2.9 If the transaction does not reach the network within 10 minutes after the request is created, the Service has the right to recalculate the exchange rate at the time the funds are received by the exchange. (This rule applies to those directions where the rate is fixed at the time the request is created.)

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

The exchange rate of the request can only be changed if it decreases. If the exchange rate increases, the payment amount will not change.

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

2.12 Funds received after the set time are kept in the Service's account for 30 business days. After that, the info can be deleted, and it won't be possible to get the funds back.

2.13 Funds will not be refunded if the User has sent funds below the minimum amount. The User undertakes to provide correct payment details. In the event 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 has provided invalid or blocked details, or has refused to complete the transaction, the Service has the right to suspend or terminate the transaction after receiving a written request from the User, with a deduction of 2% penalty and payment system commission.

2.15 Requests are processed within 240 minutes after the funds are credited to the Service's account.

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

2.17 If the funds are not credited to the Service's account within 2 hours, the Service has the right to recalculate the amount of the request at the current exchange rate or return the funds to the sender. All commissions for the refund will be deducted from the refund amount.

2.18 The User undertakes to provide documents confirming their identity if there is suspicion of fraud or money laundering.

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

2.20 In the event of funds being blocked by a payment system or cryptocurrency exchange, the request will be frozen until the funds are unblocked. The exchange 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 defined as the deposit of one cryptocurrency to an address intended for another cryptocurrency, or with an incorrect or missing special identifier in the blockchain network.

2.22 The return period for cross deposits may be up to 90 days from the moment all necessary data is received.

2.23 A commission of 30% of the return amount will be charged for the return of a cross deposit.

2.24 Not all cross deposits are refundable.

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

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

2.27 If the User has paid less than the specified amount for the request, the Service has the right to recalculate the payment at the current exchange rate, deducting a 1% penalty and payment system commission without notice.

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

3. COST OF SERVICES

3.1 The exchange rate is always available on the Service 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 about 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 business hours, ensuring their high quality, as well as providing timely technical support.

4.3 The Service's obligations to the User are limited to the amounts transferred by the User for the performance of the transaction.

4.4 The Service is not liable for financial losses incurred by the User as a result of actions by third parties that violate the law.

4.5 The Service is not liable for losses, lost profits, or other expenses incurred by the User in connection with 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 shall be exempt from liability for failure to fulfill their 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 state 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 If incorrect details of the recipient are provided, the Service shall not be liable for any negative consequences or damage.

4.11 The User undertakes not to violate legal regulations, 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 legitimate request from government authorities or representatives of Payment Systems, the information may be disclosed.

4.13 During the provision of services, the Parties shall communicate via technical support and email.

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

4.15 The User undertakes to provide the correct details of their wallet or exchange. If the details of third parties are provided, the Service shall not be liable for any problems with the transfer.

4.16 The Service has the right to cancel the current transaction and return the funds or digital assets to the User, minus any fees, without explanation.

4.17 The Service may refuse to provide further services to the User in the event of a violation of any terms of this agreement.

5. OTHER AGREEMENTS BETWEEN THE PARTIES

5.1 Use of the Service for fraudulent or illegal transactions is strictly prohibited. The User acknowledges that attempts to exchange funds obtained by criminal means may result in legal liability in accordance with applicable law.

5.2 The Service Administration has the right to transfer information about such transactions to law enforcement agencies, payment system administrations, and persons affected by fraud upon first request if the fact of fraud is confirmed.

5.3 The Service Administration reserves the right to refuse to provide services to any user without explanation.

5.4 Information about the User and their transactions is stored on the Service's servers for three months. At the customer's request, access to the account may be temporarily restricted or completely deleted.

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

5.6 The Service may also send offers of personal promotions and discounts to the email address specified by the User. The User may opt out of receiving such notifications by notifying the Service.

5.7 All questions, disputes, and disagreements shall be resolved through negotiation. To do this, a written request must be sent to the email address specified in the “Contacts” section, using the address specified when creating the application.

5.8 The Service Administration has the right to make changes to this Agreement at any time. All changes come into force from the moment they are published on the Service website.

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

5.10 Creating and using multiple accounts for the purpose of receiving referral rewards is prohibited.

5.11 The use of the Service logo in paid online advertising or advertising networks is prohibited.

5.12 The distribution of spam with a referral link is also prohibited.

5.13 The Service reserves the right to make changes to the terms of the referral program without prior notice.

6. TAXATION

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

6.2 If the authorities require the Service to pay taxes or cover the User's debt related to non-payment of taxes, the User undertakes to reimburse the Service for all relevant 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 scope that it deems necessary for complete identification.

7.3 The User agrees to undergo the necessary identity checks, either directly by the Service or through third-party companies, for the purpose of protecting against financial crimes such as fraud. Third parties may include KYC services or other systems that verify the origin of funds. The User does not limit the choice of such third parties.

7.4 Upon passing the identification process, the User consents to any investigations that the Service deems necessary to confirm their identity. The Service has the right to engage 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 carried out as part of 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 services: Garantex, CommEx, TornadoCash, Payeer etc.

And also, if AML transactions exceed 50.

7.7 If a connection is established between the origin of the funds and the above items, the internal blacklist of the Service or the Payment System, or if the amount of the AML transaction exceeds 50, after the customer has successfully passed the identification procedure and the incident has been reviewed by the regulator, the Service has the right to return the funds to the original address or the address specified in the application. In this case, the refund amount will be reduced by 5% (but not more than $100) as a penalty, and the costs associated with performing the AML check and the Payment System's commission fees will also be covered. The refund will be made within 72 hours after the decision is made, provided that the funds have not been frozen by the Payment System. The refund or exchange procedure can only be completed after the successful completion of all verification stages and analysis of the incident by the regulator. Verification may take up to 30 days.

7.7.1 In certain cases, with the permission of the Service, if the User refuses to undergo verification, the Service has the right to withhold a penalty of 30% of the exchange amount. It is important to note that if the funds are blocked by the Payment System or other external factors, a refund or exchange without completing verification is not possible.

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

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 regulatory and legal acts governing the conduct of conversion operations on the Internet.

User Agreement