The rules of our service

Terms and conditions
1. The current terms of use determine the obligations, as well as regulate the rights between the parties, namely between the Cosmochanger service and the user.
2. Only in case of absolute acceptance of these terms, the client has the right to make an exchange using the service.
3. Use the services of the service only if you unconditionally accept all the terms and conditions after reading them.
4. Cosmochanger is a service that provides high-quality services related to the exchange of digital electronic funds and works for its customers.
5. The user is a private person who agrees to the terms of service of the service and is ready to use its services.
6. A payment system is a set of procedures and rules, as well as their combination, through which digital money and electronic currency are exchanged.
7. An operation or payment is a transfer of digital money from one side of an exchange to the other, as well as in the opposite direction.
8. The order is the data that the user fills in using the service's website, in the event that he decides to use the services of digital currency and electronic money exchange.
9. The services of the service are a list of all services, information about which is posted on the service's website and which are provided to the client who agrees with the terms and policies of the service. what services include the purchase, closed sale and exchange of digital currency of electronic means, as well as other services.
The procedure for providing access to the service
1. If the user wishes to use the services of the Cosmochanger service, he needs to go to the official website of the service and fill out an order in electronic form, sending it for execution.
2. Each user of the service gets access to information related to the terms of the exchange, and can also track the fulfillment of their order and monitor changes in its status using the user interface.
3. All requests are executed by the service based on the terms of operation of partner payment systems. The operation of any other payment system is beyond the control of the service and the service bears absolutely no responsibility for its stability.
4. By providing its services for the exchange of digital currency and electronic money, the service verifies the fact that the user's possession of certain funds involved in the exchange is legitimate.
5. By filling out an exchange request and sending it to the operator for execution, the user thereby undertakes to transfer the amount of funds specified in the order to the service account, and the service, in turn, undertakes obligations to transfer funds to the details specified by the user in accordance with the commission and the exchange rate valid at the time of creation of the order.
6. The amount of the commission that the service charges for its services will be taken into account in the exchange rate and will be displayed in the order. Creating an exchange request and sending it to the service operator for execution means that the user agrees with the exchange rate.
7. At the moment when the service pays the user the funds from his account, the transaction will be successfully completed. The transaction history will be available in the client's personal account, and will also be registered in the transaction history of the payment system.
8. If the service receives an exchange request, but the client does not transfer the amount specified in the request to the service account after 10 minutes, such an order will be automatically canceled or recalculated at the time of receipt of funds. If the order is canceled and the funds were credited after the appointed time, if there is a request from the user, they can be returned to him after deducting the commission. In order to return their funds, the user must contact the service within 24 hours by sending a written request.
9. If funds from the user are credited to the service account after the appointed time, all information about them will be stored in the service for 30 business days. After the expiration of the specified period, all data will be destroyed without the possibility of their recovery.
10. If funds are received from the user and their amount is less than the minimum amount set, this money will not be refunded. In order for the money to be credited to the necessary details, the user must ensure that all data is entered correctly. In the event that the user made a mistake when entering information about payment details, the service has the right to request additional data by requesting them to the technical support e-mail. This will allow you to identify the transfer.
11. If incorrect data or payment details are specified that have been blocked, or if funds that have a high risk of aml verification are received into the account of the exchange service, or at the initiative of the user, the operation of exchanging digital or electronic funds has not been brought to a logical conclusion, the Service can refund the funds. It is worth considering that such a refund will be made only after the user applies to the service with a written order, and the system commission and penalty (2% of the transaction amount) will be deducted from the payment amount. The money will be refunded to the account from which it was originally sent to the service.
12. As soon as the service receives money to its account from the client, the request will be processed within 15 minutes. If money is sent in cryptocurrency, the receipt of funds will be counted after the required number of confirmations from the network. For each cryptocurrency, the service sets a different number of required confirmations from the network.
13. If the user receives money from the service in an amount exceeding the actual amount according to the request, the user will have to return the mistakenly credited funds. If the user refuses to do this or does not respond in any way to the requests of the service specialists, and does not return the money, the service will withhold the overpayment amount at the next transaction.
14. If the user does not transfer the full amount of money to the Service account 6 hours after creating the order, the amount will be recalculated taking into account the relevance of the course or it will be returned to the user. In this case, the commission and other costs will be deducted from this amount.
  1. Orders from cryptocurrencies to cryptocurrencies can take longer to process, from 15 minutes to several hours.
15. If the service suspects the user of fraud or money laundering, it has the right to ask the user to provide documents confirming his identity and the user will have to provide them to the service, as well as require the Client to provide additional information revealing the origin of digital assets and/or confirmation that these assets were not obtained by criminal means. The service has every right to this request if, as a result of AML/KYC verification, it is found that the funds have a high risk factor of 40% or higher.
  1. If the client refuses to undergo verification for any reason, the refund is made after a full internal verification by the exchange service, minus a 10% penalty. Also, transactions with a high degree (from 10%) of risk having High-risk labels such as (Terrorism Financing, Enforcement action, Stolen Coins, Child Exploitation) fall under individual consideration. A refund minus a 10% penalty will be possible only after a full investigation of the origin of the Client's transaction funds, during which the exchange service has the right to request from the Client any documents relating to the origin of funds and the legal purchase of cryptocurrency by the Client.
16. Any additional data and documents that the service may require from the user to confirm the transfer of money to the service's wallet, the user will have to provide. These documents include various screenshots or video recordings that confirm the user's login to the platform and the transfer of funds to them.
17. If partner payment systems block the receipt of funds from the user, the order is frozen until the funds are fully unblocked, the exchange rate is not fixed. The client is obliged to provide the service with all necessary documents requested by third-party partner payment systems to unlock funds.
  1. If the partner payment system has suspended the transaction at the time of sending funds to the client to the specified details in the order, in this case the rate is fixed at the time of conversion of funds.
18. Funds that were transferred without actually creating an order are frozen until the circumstances are clarified. The owner of these funds must fully provide evidence of the ownership of these funds. It is also necessary to complete the full verification on our website.
19. In case of a refund to the client on his initiative, all costs and commissions are charged to the client in the amount of 5% of the amount received.
The cost of services
1. Users of the service can find all current exchange rates on the website cosmochanger.cc . It is important to note that exchange rates change regularly.
2. The commission fee that the user pays to the service for services is embedded in the exchange rate.
3. Exchange rates can be changed at any time by the decision of the Service, which it does not have to notify the Client about.
4. All authorized users are eligible to receive bonuses. All information about bonuses can be found on the Cosmochanger website, just look at the "Affiliate Program" section.
Responsibility of the parties
1. The service carries out the sale, purchase and exchange of digital money and electronic currencies.
2. Cosmochanger provides its customers with high-quality services and support on all issues related to the exchange around the clock and seven days a week.
3. The Service undertakes to fulfill its obligations to the Client, but this responsibility is limited to the amount that the user transferred to the Service as part of the transaction.
4. If the user has suffered losses due to third parties and their actions, the Service is not responsible for such losses.
5. If the user has suffered losses caused by failures, errors in making electronic payments, technical updates of cryptocurrency exchanges, or due to prolonged intrabank transfers, or for these reasons he has not received the expected income, the Service is not responsible for such costs.
6. During the registration process, the client must specify the current e-mail address.
7. The parties are not responsible for non-fulfillment (full or partial) of obligations if such non-fulfillment was caused by circumstances that did not directly depend on them and if the parties could not prevent or even foresee this force majeure in any way.
8. Force majeure circumstances that do not depend on the parties to the transaction are military actions, earthquakes, fires, floods, actions that are taken by the main organs of the state, as well as any other actions that the parties cannot control in any way and cannot influence.
9. By using the services of the service, the user thereby confirms that he and only he is the owner of the money used in the transaction and can dispose of it at his discretion.
10. If, when filling in the data, the user makes a mistake in any details of the recipient of the money, as a result of which he will suffer financial or any other damage related to his mistake, he and only he will be fully responsible for such damage.
11. By using the services of the service, the client confirms that he has no intention to violate the norms and rules adopted at the legislative level, to engage in falsification of communications that the service uses in its work, and also has no intention to affect the program code of the service and its functioning.
12. All information that the user transmits to the service for the transaction is absolutely confidential and anonymous. The only cases in which the service can provide user information are the requirements of government agencies, as well as authorized representatives of payment systems, if there are grounds for this, supported at the legislative level.
13. In order to maintain communication during the provision of services by the service, both parties use e-mail, as well as other technical support contacts.
14. Cosmochanger does not bear any responsibility for the timeliness and quality of the provision of its services by other payment systems.
15. The exchange service has the right to stop the order and make a refund to the client of the funds sent to them in case of failures in the operation of the exchange service rates, or significant losses due to the difference in exchange rates.
16. The user undertakes to specify the details of the personal wallet or exchange in the order. In the case of transferring funds to the banking details to third parties, the service is not responsible if there are problems with the transfer, the user assumes all responsibility. Subsequently, in case of detection of such exchanges, the funds will be frozen until all the circumstances of this exchange are clarified and verification is completed (according to paragraph 2.16 of the rules) - in paragraph 4.16
Other mutual agreements
1. The Service cannot be used for the purpose of carrying out illegal transactions or transactions related to fraud. In the event that the user plans to use the service, he thereby agrees that he is clearly aware of all the consequences of illegal actions, starting from fines and ending with court proceedings in accordance with current legislation.
2. If the administration of the service suspects that the user is using it to conduct illegal transactions, the administration reserves the right to transfer information about such a transaction to the law enforcement agencies of the country, as well as to the administration of other payment systems. In addition, the administration of the service can transfer information about fraud to potential victims if the fact of illegal actions is proven.
3. The administration of the service reserves the right to refuse to provide services to users, without explaining such a refusal in any way.
4. Any information that the client transmits to the service is stored on the server for three months. If a user needs to delete an account or restrict access to it, they need to send a corresponding request to the service.
5. If necessary, the service has the right to send the user information about the exchange process to the e-mail address specified by him. This is necessary in order for the exchange to be completed successfully.
6. Any disagreements and disputes between the client and the service can be resolved as a result of the negotiation process. To do this, the client must send a written order to the email address specified in the contacts of the service. Please note that it is necessary to send such an email from the current e-mail address that was specified to customers during the process of creating an exchange request.
7. If the Administration needs to supplement or amend the existing agreements, it reserves the right to do so, and such changes can be made at any time. These changes become relevant after information about them has appeared on the official website of the service.
8. If the user allows incorrect communication with the service specialists or refuses to provide them with the data necessary to complete the exchange and successfully resolve the issue, the service reserves the right to terminate communication with the client.
9. By using the services of the exchange service, the user agrees to undergo identification.
10. The exchange service has the right to request personal data from the client, in any format and quantity that the exchange service deems necessary to complete the identification.
11. The user agrees to the exchange service to carry out the necessary checks directly or by involving third parties to verify the identity or protect the client or the exchange service from financial crimes such as fraud. Third parties may include services such as KYC and similar verification systems.
12. The client, using the services of the exchange service, agrees to AML verification of all his transactions and transactions. To verify addresses and transactions, the exchange service uses an IT service for monitoring, accounting and analytics of digital money or crypto assets BitOK. In the event of a discrepancy in risk indicators with other AML verification services, the exchange service relies solely on information obtained as a result of verification by the BitOK service.
13. The exchange service has the right to request client identification(KYC) if the client's online address is associated with these platforms Illegal Service, Mixing Service, Darknet Marketplace, Darknet Service, Sanctions, Illegal Actor/Organization, High-Risk Jurisprudence, Gambling, Enforcement action, Scam, Stolen Coins, Terrorism Financing, Fraud Shop, Fraudulent Exchange, Child Exploitation, Seized assets, Ransom. Using Capitalist, Rapira services. After completing the user identification, the funds will be returned to the sender's address minus 3%. If the address is linked to more than the listed sites and sites of the same type, the funds will not be returned to the client before passing the identity check. The user must make an official request for a refund within 90 calendar days. If this does not happen, the funds will not be refunded.
  1. If the partner payment system is blocked due to the high AML factor, the Service may take from 2 to 180 business days to unlock it. Partner payment systems are beyond the control of the service and the service cannot affect their speed. In the case of AML/KYC proceedings, the client's order will be processed after full proceedings and all checks.
  2. By using the services of the Site, the Client agrees to undergo identity verification. The Site may request any personal data in any format and volume that the Site deems necessary for full verification. All information provided by the client can be transferred to the regulatory authorities in the following cases:
    
    - at the request of law enforcement agencies.
    
    - in accordance with the decision of the judicial authorities of different jurisdictions.
    
    - at the request of the administrations of payment systems.
14. Mandatory compliance with the regulatory requirements of the country to which the user belongs. To comply with the terms of regulatory transactions that regulate the conditions for carrying out conversion transactions on the Internet.
15. The exchange service has the right to recalculate the exchange rate fixed by the order, in the case of:
  
  - long-term receipt of funds from the client to the service, due to a delay on the part of a third-party service. (More than 10 minutes)
  
  - during the transfer, the client indicated the minimum transaction fee, which led to a long delay in the receipt of funds to the service account.
  
  - the client did not confirm the payment of the order on the website, thereby did not notify the service about the payment.
  
  - the course is fixed after full confirmation of the network and actual admission.
  
  - when creating an order, a preliminary exchange rate is indicated, formed at the best offered price. If the exchange values change by more than 0.1%, a protective mechanism against potential losses is activated. This mechanism corresponds to a decrease in the final price to 1.5% of the current exchange rate of Binance/ByBit/HTX/KuCoin/Gate exchanges.
  
  - when making an exchange in the direction of banks and payment systems, the rate is fixed at the time of creation of the application and can be changed without prior notification to the client at the time of crediting funds to the exchange if the current rate deviates by more than 0.5% from the original rate in the order.
Taxation
1. The service provides services for the exchange of cryptocurrencies and electronic money and does not provide the services of a tax agent, therefore the user will not receive any information from the service about his tax expenses. In this regard, all tax obligations that the user has at his place of residence, he undertakes to fulfill in a timely manner and independently.
2. In the event that the user refuses to pay taxes, he will have a debt, and the authorities will require the service to pay this debt, in the future the user undertakes to reimburse the service for all losses incurred and pay the payments in full.