Personal account

User agreement with the exchange resource service use agreement

1. General Provisions

1.1. The agreement establishes the procedure for the provision of services by the online service in the field of exchange of electronic currencies.

1.2. An online service refers to an Internet resource called, the functions of which include the exchange of electronic and digital currency.

1.3. Client - an individual or an organization making an exchange through

1.4. Hereinafter, if the Client and the online service are referred to together, then they are referred to as the Parties.

1.5. The parties agree that this Agreement governs the relationship between them in matters relating to the exchange of electronic currencies.

1.6. The legal force of this electronic Agreement is not inferior to a written document.

1.7. This Agreement plays the role of a public offer. Its acceptance is made through the submission by the Client of an application for an exchange operation through the online service

2. Subject of the Agreement

2.1. The online service provides the services specified in chapter 4 of the Agreement, and the Client complies with the standards specified in chapter 9 of the Agreement. The procedure for the provision of services is established by the internal regulations of the online service. The provisions of the Regulation are established in Chapter 5 of the Agreement.

2.2. The client must pay for the services of the online service in accordance with the conditions stipulated by the Agreement.

3. Mutual obligations of the Parties

3.1. The online service is obliged to:

3.1.1. Exchange electronic money of payment systems Qiwi, Perfect Money, Payeer, Advanced Cash, Yandex.Money and title units of a number of other EPS (electronic payment systems) on the basis of the standards stipulated by the Agreement.

3.1.2. Provide the Client with informational and technical support during the transaction, using the capabilities of the online resource.

3.1.3. Guarantee the protection of information regarding completed transactions, including the personal data of the Client, the time of making money transfers, and their size. This information is available to the Client who made the transaction. If the operation was carried out through a confidential payment system, then information about it falls into the category of confidential and is not subject to disclosure.

3.1.4. Prevent the transfer of information about completed transactions to third parties. The following cases do not fall under this rule: If the court, whose jurisdiction extends to the location of the Online Service, has made a relevant decision that has entered into legal force; Upon receipt of an official request from law enforcement or tax structures that operate at the location of the Online Service; If there is an appeal from the administration of payment systems - partners of the Online Service.

3.1.5. Carry out operations taking into account the personal discount of the Client.

3.1.6. Transfer money to the Client or to a third party no later than 24 hours after the filing of a claim for violations related to non-compliance with the standards specified in clauses 3.2.5, 5.4, 5.5 or 5.6 of the current Agreement.

3.2. Obligations of the Client:

3.2.1. Provide correct details and personal information to complete the payment.

3.2.2. Specify the current E-mail and Telegram to receive messages from the Online Service.

3.2.3. Be able to connect to the network using specialized equipment. Provide a secure connection to the Online Service using reliable antivirus software.

3.2.4. Comply with the provisions of the Agreement.

3.2.5. Notify the online support staff of the Online Service about situations when the money transfer was not carried out in full or partially, as well as about the cases specified in clauses 5.4. — 5.6. of the current Agreement. The notification must be sent no later than one month after the transaction. Otherwise, the client"s funds transferred by request will go to

3.2.6. Comply with the requirements of regulatory enactments governing the procedure for performing an exchange.

3.2.7. Refrain from using systems to improperly increase traffic.

3.2.8. The client is prohibited from creating multiple orders in order to use the exchange service as a source of final profit due to the difference in service rates.

3.3. exchanger has the right to:

3.3.1. Temporarily suspend activities for the duration of the modernization or to remove malfunctions arising in the work of the exchange resource.

3.3.2. Stop the process of making a money transfer until the circumstances are clarified, if a complaint is made about the commission of fraud, or there is an official request from the competent authorities.

3.3.3. Form a system of discounts.

3.3.4. Determine the size of the commission for making an exchange in a specific direction.

3.3.5. Refuse service to the Client without giving reasons.

3.3.6. If the transaction did not go through as a result of an error, then the exchange service has the right to request additional information from the Client (for example, a screenshot of an electronic wallet) via mail or Telegram.

3.3.7. Stop the conversation with the Client who behaves incorrectly with the service staff, asks extraneous questions or refuses to provide the necessary information.

3.3.8. Block a money transfer upon the occurrence of the circumstances specified in clauses 5.4. — 5.6. Agreement or Regulation.

3.3.9. If necessary, block the operation and freeze funds on the user"s account until the person is identified and the truth of the data recorded in the system by the Client is established.

3.4. In the event of illegal enrichment on a third-party exchange service and the discovery of this fact, the exchange service has the right to delay the processing of the application until the reasons are clarified and compensation for losses incurred by the other exchange service. 

3.5. The exchange service has the right to change the conditions for the referral program.

3.6. The exchange service has the full right, one way, to cancel the previously provided discount. Without explaning the reason.

3.7. It is forbidden to use the exchange service in order to earn money through arbitration, if these actions are detected, the service will cancel your application and the commission for the refund will be withheld from the client.

3.8. In connection with the specifics kriptovalyutnyh networks User acknowledges and agrees that making and receiving cryptocurrency may take from one (1) hour to seventy-two (72) hours, excluding cases of unforeseen or unavoidable problems in the network.  

3.8.1 The exchange service has the right to recalculate your application at the time of a sharp drop in the cryptocurrency rate, in cases where you and / or the service from which you made the withdrawal indicated / indicated a commission that was insufficient for quick confirmation, as a result of which the cryptocurrency received confirmation after more than an hour. 

3.9. The exchange service does not provide a history of exchanges made by the user.

3.10. In directions to azn/uzs, Belarusian rubles and tenge, the exchange service sends in rubles. In this regard, the amount that will be credited to your account in azn / uzs, Belarusian rubles or tenge will differ from the amount declared on the site. This is due to the fact that the conversion from rubles to azn / uzs, Belarusian rubles or tenge is performed by your bank and the conversion rate depends only on the bank to which the rubles were sent. In addition, banks charge a commission for the conversion, which must also be taken into account. The exchange service warns you about this at the stage of creating an application, after which you press the "I agree" button, thereby confirming that you agree that you will receive an amount less than specified when creating an application.

3.11. In cases where, after processing the client"s application, the PS, the bank, or the exchange or other payment instrument to which the client was sending, requested a refund from the exchange service, at the next request, the exchange service has the right to withhold funds from the client in the amount of the refund. In this situation, the client assumes all the proceedings with the payment system.

3.12. The exchange service has the right to request additional information from the Client (for example, a screenshot of an electronic wallet or transaction history, etc.) via mail or Telegram, if it considers it necessary, without explaining the reasons.

3.13. In the case when a client passes the verification of one card, but makes a payment from another card (which he did not pass or went through, but did not meet the site"s requirements), the application will be frozen until the client passes the card verification that meets the site"s requirements. Moreover, the site administration may require an extended KYC procedure (a selfie of the cardholder with an identity document and a card in his hands).

3.14. The exchange site has the right to suspend and block the application if you specified a high-risk bitcoin wallet , as well as a purse of prohibited sites.  

4. List of services

4.1. The online service carries out the exchange of electronic currencies of Qiwi, Payeer, Bitcoin, Perfect Money, Yandex.Money and other types of EPS title units, using the services of banking structures. The list of partners can be found on the information resource of the online exchange service

4.2. The online service does not verify the legality of the origin of the money used to carry out exchange transactions.

5. Regulation of exchange operations

5.1. employees perform transfers only upon receipt of money from the Client for making a payment. If clients send funds in cryptocurrency, the application will be processed only after the cryptocurrency is confirmed on the service wallet.

5.2. The exchange is considered completed after the transfer of money to the details provided by the Client.

5.3. The client is not entitled to cancel the initiated transfer and cannot return the money already sent.

5.4. If the Client has made a payment, the amount of which does not match the amount indicated in the application, the administration of the Online Service has the right to suspend the transaction or pay out the transaction by recalculating the funds received. In the event of a stop, the operation will be resumed after the Client"s request on the basis of clause 3.2.5 of the Agreement. In this case, the Online Service will transfer the actually received funds at the rate set at the beginning of the transaction. The exchange service also has the right to edit the amount in the application and recalculate it at the current rate.

5.5. If incorrect attributes are specified, terminates the transaction. If it is impossible to change the details, the money is returned to the Client after his request on the basis of clause 3.2.5.

5.6. If the payment of the invoice was made from an outside account or the notes to the payment were changed, the Exchanger blocks the transaction. Refunds are made upon the fact of the Client"s request on the basis of clause 3.2.5.

5.7. If an exchange for the Bitcoin cryptocurrency is carried out in the Online Service, then the passage of the transaction to the user in the Bitcoin network depends on the workload of the Bitcoin network itself. The passage of a transaction in the Bitcoin network can take from 15 minutes to several days. is not responsible for the speed of transactions in the Bitcoin network and cannot influence them in any way.

5.8. The client needs to pay for the application within 15 minutes in order to avoid recalculation of the application at the current rate or its removal. When funds are received from the Client later than the time established by the Regulations, the exchange service reserves the right to recalculate the application at the current rate.

5.9. The client is prohibited from transferring funds to the wallet of the exchange service after the time provided for payment of the application has expired. After the time for making a payment expires, it is necessary to create a new application in which new details and time will be provided for making payment for this application.

5.10. It is forbidden to use mass mailing messages to promote your affiliate link and advertising materials on pyramids, hypes, boxes, surfs and sites of this type, as well as creating an account on your own behalf, from the same ip address of the partner and referral. In case of violation of the conditions of the Affiliate Program, the discovery of these facts, the Site Administration may cancel the partner"s bonuses or freeze his account.

5.11. The exchange service is not responsible for delays in the transfer to our details.

5.12. Deadlines for crediting cross-border payments, i.e. payments to other countries (not Russia) are regulated by banks and the exchange service is not responsible for delays in this type of transfer.

5.13. In a situation where the client has made a payment for the details that were provided to him earlier in the application, the time of which has expired, the exchange service reserves the right to refuse to process the application and return the funds. These restrictions are related to the internal regulations of the exchange service. It is STRICTLY forbidden to transfer funds to the wallet that was provided to you in the application, the time of which has expired.

5.14. Some currency transactions, in banking directions on our website, are carried out in rubles at the rate of the Central Bank of the Russian Federation - this means that rubles will be sent to you and converted already on your card at the rate of your bank. Our service is not responsible for the exchange rate of your bank, since it does not affect it in any way.
Example: The request for receipt indicated the amount of 1 dollar, at the time of the creation of the request, the exchange rate of the Central Bank of the Russian Federation was 1 dollar = 65.5 rubles. Consequently, 65.5 rubles will be credited to your account and will be converted by your bank at its own rate.

5.15. In the course of resolving disputes, the exchange service does not follow the links provided by clients, and the exchange service does not accept files of any extension from clients, except for JPEG, BMP, PNG files.

5.16. Sending foreign currency payments to the card account is carried out instantly, but the transfer can take up to five business days.

5.17 In any case, when a refund is made, a commission of 5% is withheld, except for clause 10.9.

6. Warranties and liability of the Parties

6.1. The online service is not responsible for the consequences of incorrect operation of the resource and for mistakes made by the Client when placing an application. The operation cannot be canceled, and the money cannot be returned, even if the Client indicated incorrect payment details.

6.2. The online service is not responsible for damage caused by the inability to operate the equipment by the Client as a whole or its components.

6.3. is not responsible for payment delays due to the actions of financial institutions or electronic payment systems, including exchanges, banks and other payment aggregators.

6.4. The exchanger is not responsible for losses or non-receipt of income if they arose as a result of erroneous representations by the Client regarding tariffs or the profitability of transactions.

6.5. service is not responsible for financial losses incurred due to translation delays.

6.6. The client confirms that he has a legal basis for disposing of the money used to complete the transaction.

6.7. The client agrees to compensation for damage to third parties if the reason for its occurrence was the exploitation of the resource.

6.8. The service is not responsible for blocking your accounts / cards when interacting with the details indicated on our website and does not compensate for any losses associated with blocking accounts / cards. 

6.9. The Client confirms that at the time of using the services of the Online Service, he has reached the age of majority, in accordance with the legislation of the country of residence of the Client.

7. Changes to the terms of the Agreement

7.1. The administration of the Online Service has the right to edit this Agreement, as well as any information on the site at any time. Changes become effective after their publication on the official website The Agreement can be changed by the Administration without any notice to the User. 

8. Force majeure

8.1. The parties are not responsible for non-fulfillment or improper fulfillment of the terms of the Agreement if the reason for this was force majeure circumstances. They include war, natural disasters, fire, riot, decision of the authorities, terrorist attack, riots. In addition, they include a failure in the operation of the power grid, lack of access to the global network or to other systems. Also, force majeure includes situations when the application cannot be processed (or was processed, but the funds were not credited) due to the incorrect operation of a third-party service (exchange, payment system, bank), since the exchange service cannot affect their work.

9. Conditions for the exchange

9.1. The administration prohibits the use of this Online Service for fraudulent or other illegal transactions. For an attempt to make an exchange using money of doubtful origin, the Client will be responsible in accordance with the laws of the country in the jurisdiction of which the transaction was made.

9.2. The exchange resource can transfer information about payments, the illegality of which has been established, to law enforcement agencies, the administration of the payment system, as well as to the victim at his request.

9.3. The exchange is carried out only upon the fact that the Client withdraws money from the virtual wallet belonging to him. At the same time, he is personally responsible for the legality of the sources of their receipt.

9.4. Bank transfer is performed through the Internet banking service of the payment system chosen by the client. If the transaction involves making a payment to a Sberbank card, the commission will be 1% of the transfer amount. If the application is created with the help of a bank operator or using an ATM, the money must be returned no later than 24 hours after it is received. Refunds to the client are carried out in accordance with clauses 3.2.5., 5.4.-5.6. present agreement.

9.5. The online service is not responsible for transfers made for the Client by third parties.

9.6 The exchange service is not responsible if the client did not specify a tag or payment id, memo, message for cryptocurrencies, which require an identifier when crediting. We do not provide screenshots / photos, videos of cryptocurrency data wallets. If the funds are not received due to the fact that the tag/payment id/memo/message was not specified, all responsibility lies with the client.

10. Verification procedure on the Ychanger Online Service

10.1. A prerequisite for using the Ychanger Online Service is the readiness of the Client to go through the verification procedure on demand.

10.2. The Ychanger online service may request the user to complete the KYC procedure, without giving reasons.

10.3. The KYC (Know Your Customer) procedure is a set of identification operations in the system for combating money laundering (anti-money laundering or AML).

10.4. During the identity verification process, the Online Service may request any data at its discretion, in any format and volume that the Online Service deems necessary to fully identify the Client.

10.5. The Online Service will collect, use and transfer information about the Client in accordance with the Privacy Policy.

10.6 The Client agrees to the Online Service to conduct the necessary investigations directly or through third parties to verify the identity or protect Clients and/or the Online Service from financial crimes such as fraud. Such third parties may be KYC services and / or other systems, the Client does not limit the Online Service in choosing such.

10.7. By passing verification, the Client agrees to the Online Service to conduct any checks regarding the Client that the Online Service considers necessary. The Online Service may, at its sole discretion, engage a third party to perform these checks.

10.8. The Ychanger online service conducts an AML check of all online wallet addresses involved in the exchange process.

10.9. The online service has the right to request verification of the Client if the Client"s wallet address specified in the exchange request is associated with the following Internet definitions:

-Darknet Marketplace;

-Darknet Service;

- Illegal Service;

-Mixing Service;

- ransom;

-Stolen Coins;





10.10. If a connection is established with the above Internet definitions, then after the verification procedure by the Client, the funds will be returned / sent to the User"s details, but minus a commission of 10%.

10.11. The security service of the Ychanger Online Service has the right to refuse processing the application and freeze funds (including irrevocably) in case of refusal to undergo the KYC procedure and in cases where the user refuses to provide the necessary information requested.

10.12. The necessary conditions and requirements for passing the KYC procedure to unfreeze funds are provided to the user by e-mail at the time of the occurrence of a situation requiring this verification.