Agreement

1. Terms and Definitions

1. KYC and AML
2. 1.2. P2P – a peer-to-peer computer network based on the equality of participants.
3. 1.3. Account – a unique user account on the Service's website that identifies the User.
4. 1.4. Blockchain – a continuous sequential chain of blocks structured according to specific rules, containing information about transactions between digital keys (wallets) of users, which can be transferred from one computer (person) to another via the Internet.
5. 1.5. Bank Card Verification – a process of verifying the ownership of a bank card (or account) by its holder. The verification terms are set by the Service and are carried out once for each new account (bank card) of the User.
6. 1.6. Application – an expression of the User's intention to use one of the services offered by the Service by filling out an electronic form on the Service's website under the conditions described in these Rules and specified in the parameters of the Application.
7. 1.7. Cryptocurrency (digital currency) – Bitcoin, Litecoin, Ethereum, and any other blockchainbased currencies.
8. 1.8. Exchange Rate – the value ratio between cryptocurrency, electronic money, and fiat currency in exchange transactions.
9. 1.9. National Currency (fiat currency) – legal tender of a respective country (ruble for the Russian Federation, hryvnia for Ukraine, US dollar for the USA, etc.).
10. 1.10. Partner – an entity that provides the Service with user acquisition services under the conditions described in these Rules.
11. 1.11. Payment – the transfer of cryptocurrency, electronic money, or fiat currency from one User to another or from the User to the Service, as well as in the reverse direction.
12. 1.12. Payment System – a software and hardware product developed by a third party, which serves as a mechanism for accounting financial obligations and organizing settlements among its Users.
13. 1.13. User – a legally capable individual over 18 years old or a legal entity that uses the Service's services.
14. 1.14. Service – a system that provides Users with the ability to exchange cryptocurrency for electronic money and/or national currency, as well as exchange electronic money and/or national currency for cryptocurrency. The Service is hosted and operates on the website at https://ex.center.
15. 1.15. Messages – emails transmitted via electronic mail.
16. 1.16. Funds – cryptocurrency, electronic money, and fiat currency, as defined in Section 5 of these Rules.
17. 1.17. Service Services – assistance in conducting P2P transactions between individuals for cryptocurrency exchange, as well as other services, information about which is posted on the Service's storefront.
18. 1.18. Electronic Money – monetary funds held in accounts of electronic payment systems (QIWI, Yandex Money, etc.).

2. Rules for Using an Account on the ex.center Website

1. 2.1. The Service is intended for personal use only. By registering on the website, the User consents to provide ex.center with accurate personal information in accordance with the registration procedure on the Website. The User also agrees not to use any account other than their own and not to attempt unauthorized access to other users' accounts or the Service's infrastructure.
2. 2.2. The Service has the right to conduct additional checks on User information and request any necessary documentation from the User for any reason related to the use of the Service's services and/or as supporting evidence for any information provided by the User to the Service.
3. 2.3. The Service Administration may, at any time and at its sole discretion, deny a User the ability to open an account, block it, or suspend any transaction until the submitted User information is reviewed.

3. Service Provision Procedure

1. 3.1. The User requests the Service by submitting an Application through the Service's website.
2. 3.2. By using the Service, the User confirms that they legally own, use, and manage the cryptocurrency, electronic money, or fiat currency involved in the respective Payment.
3. 3.3. The Service does not provide exchange services using bank cards (accounts) that do not belong to the User. The Service does not enter into partnerships with trade-service enterprises and is not an agent in settlements between the User and third parties.
4. 3.4. By submitting an Application, the User authorizes the Service, on behalf of the User and at their expense, to perform cryptocurrency, electronic money, or fiat currency exchanges with another User.
5. 3.5. The processing time for Applications by the Service does not exceed 3 hours from the start of the Service's operation. Funds are fixed at the moment they are received on the exchange.
6. 3.6. The Service fee for providing exchange services is reflected in the Application and confirmed by the User on one of the user interface pages.
7. 3.7. Within the time frame specified in the regulations (depending on the exchange direction, indicated when creating the Application), the Service must transfer (deliver) the received cryptocurrency, electronic money, or fiat currency to the details and in the amount specified by the User in the Application.
8. 3.8. If the exchange rate changes during the Application processing, the Service recalculates the Application at the rate at the moment of cryptocurrency receipt on the account or refunds the Funds, deducting 2% of the amount (excluding Payment System fees) in USDT equivalent at the moment the rate is fixed according to the Application.
9. 3.9. In the event of transaction confirmation delays by the Payment System, the Service recalculates the Application at the rate at the moment of cryptocurrency receipt or refunds the Funds, deducting 2% of the amount (excluding Payment System fees) in USDT equivalent at the moment the rate is fixed according to the Application.
10. 3.10. The refund amount for purposes specified in clauses 3.8–3.9 of these Rules will only be calculated in USDT equivalent.
11. 3.11. The Service's obligation to transfer cryptocurrency, electronic money, or fiat currency to the User is considered fulfilled at the moment the cryptocurrency, electronic money, or fiat currency is debited from the Service's account in the corresponding Payment System, which is recorded in the transaction history of the relevant Payment System.
12. 3.12. If the User has paid for an order but, due to circumstances, wishes to cancel the exchange, the funds will be refunded minus 5% (five percent) of the payment amount, as well as the fee charged by the relevant Payment System.
13. 3.13. The Service has the right to cancel an exchange request created by the User if payment for such a request has not been received in the Service's account within 30 (thirty) minutes from the creation of the request.
14. 3.14. If, when attempting to transfer funds to the User's bank card (account), such a card (account) is blocked because the User’s bank card (account) or the User themselves are listed on any "blacklist" or "stop list" of the corresponding Payment System or a fiscal authority of the User's country of residence, the Service reserves the right to unilaterally refuse to provide exchange services and return the funds to the User, withholding a fee of 20% (twenty percent) of the current exchange amount.
15. 3.15. A refund in the case specified in clause 3.14 of these Rules is possible upon the User’s provision of documents as required by the Service.
16. 3.16. If suspicious activity is detected while processing a User’s request, the Service may suspend such operations until the causes of such activity are clarified to prevent damage.
17. 3.17. The Service has the right to refuse an exchange if cryptocurrency, electronic money, or fiat currency was sent to the Service’s account without creating a request through the Service’s website interface. Cryptocurrency, electronic money, or fiat currency sent to the Service’s account without a request may be refunded to the User upon request, subject to the deduction of the Payment System’s commission in accordance with the restrictions set by these Rules.
18. 3.18. The Service has the right to refuse to provide services to the User if the User does not provide complete and sufficient information necessary for their identification and may block funds received from the User until such information is provided.
19. 3.19. The Service provides services only for exchanging cryptocurrency for electronic money or fiat currency and vice versa. The Service does not conduct currency transactions involving national money and is not subject to national and international currency regulation and control laws.
20. 3.20. The Service does not accept cryptocurrency from the darknet, HYDRA, or any other "dirty" cryptocurrencies for exchange. If such assets are sent, a refund will only be made after verification and with a retention of 15% of the asset. After providing documents for verification, the request for unblocking will be reviewed within 72 hours. To check your wallet, use an AML service.
21. 3.21. The Service makes reasonable efforts to ensure access to its services and website in accordance with these Rules. However, the Service may suspend website usage for maintenance and will make reasonable efforts to notify Users in advance. Thus, the User agrees to accept the risks associated with not always being able to use the Service or complete urgent transactions using their account.
22. 3.22. The Service has the right to cancel an exchange if there are suspicions that the User has received funds as a result of any illegal activity under the laws of the country where the Service is based or the country of the User’s residence.
23. 3.23. When processing User requests, the Service administration has the right to:
24. 3.23.1. Terminate communication with a User who violates business etiquette, asks questions unrelated to the Service’s operations, or does not provide the necessary information required to render services.
25. 3.23.2. Block a transaction and the User’s funds until full and sufficient identification information is provided.
26. 3.23.3. Engage third-party contractors to fulfill its obligations.
27. 3.23.4. Dispose of any funds received in the Service’s account without a request at its discretion.
28. 3.23.5. Send the User emails regarding the exchange process and other Service-related information, including promotional content. The User can unsubscribe from promotional emails by clicking the relevant button in the received email.
29. 3.23.6. Process a request within 72 hours if: The transaction amount differs from the amount specified in the request; An error was made in the details when creating the request; A cryptocurrency refund was requested.
30. 3.23.7. In case of incorrect details provided for fund withdrawals to cards/wallets, etc., the User must contact technical support and provide the correct details to complete the request. Users can contact support via online chat on the website, by email at i@ex.center, or via Telegram (for security reasons, the Service does not accept or send payment details via Telegram). If the User does not respond within one working week, the exchange service reserves the right to retain the User’s assets.

4. Service Fees

1. 4.1. The service fees are determined by the Service and published on the Service's website. The Service administration reserves the right to change fees without additional notice to Users.

5. User Taxation

1. 5.1. The Service is not a tax agent for the User and does not calculate the User's tax payments, nor is it obligated to notify the User about their tax liabilities. The User is responsible for paying all taxes in accordance with the tax laws of the jurisdiction where they are a tax resident.
2. 5.2. No interaction between the User and the Service shall be interpreted as establishing agency relations, partnerships, joint ventures, employment relations, or any other legal relationships not explicitly outlined in the Service's Terms.

6. KYC & AML

1. 6.1. To minimize the risks of money laundering and terrorist financing, the Service reserves the right to refuse exchange services at any stage if it suspects that an exchange is in any way related to money laundering, terrorist financing, or any other unlawful activity under the laws of the Service’s jurisdiction, the User’s country of residence, or international law.
2. 6.2. The methods of processing and protecting Users’ personal data are governed by the Privacy Policy published on the Service's website.
3. 6.3. If any falsification (compromise) of communication flows or any negative impact on the normal functioning of the Service's software code is detected in connection with a User’s request, the Service shall suspend the execution of the request. In such cases, recalculations of the request parameters will be made according to current conditions, or if the User disagrees with the recalculation, the funds will be returned to the User’s account.
4. 6.4. Any disputes regarding these Terms shall be resolved through negotiations. If no agreement is reached, disputes will be resolved in accordance with the laws of the jurisdiction where the Respondent is located.
5. 6.5. Information about exchange operations is stored in the Service’s database and serves as the primary reference for resolving disputes under these Terms.

7. Liability

1. 7.1. The Service is not liable to the User for financial losses caused by unlawful actions of third parties.
2. 7.2. The Service is not liable for any delayed or unprocessed requests caused by an error in the Payment System or bank specified by the User in their request. The User agrees that in such cases, all claims should be directed to the respective Payment System or bank. At the User's request, the Service may assist in providing documents confirming the use of its exchange services when filing a complaint with the respective Payment System or bank administration.
3. 7.3. The Service does not verify the legality of the User's ownership of cryptocurrency, electronic money, or fiat currency involved in a transaction. The Service assumes that the User legally owns, uses, and disposes of the bank cards (accounts) and funds specified in their payment details. The Service bears no responsibility for the User's ownership, use, or management of funds or accounts that do not belong to them. All risks and responsibilities for ownership, use, and management of bank cards (accounts) and funds therein rest with the User.
4. 7.4. The User must promptly update their email address and phone number in their Account settings to ensure they receive security notifications. Otherwise, the Service does not guarantee receipt of such notifications and is not responsible for any negative consequences arising from compromised account credentials beyond the Service’s control.
5. 7.5. The User must immediately notify the Service’s administration of any unauthorized use of their account, password compromise, suspected account hacking, or any other security breach via email at i@ex.center.
6. 7.6. The User must not use tools to hide their actual location. The User must provide the Service administration with their exact and truthful location upon request. If the Service determines that the User's activity is suspicious or linked to any illegal activity, it may suspend the User's account, block pending transactions, or reject future transactions.
7. 7.7. The User is responsible for the accuracy and completeness of the information they provide during registration on the Service’s website. If the User provides false or incorrect personal data or transaction details, the Service is not liable for any losses incurred by the User as a result of such actions, regardless of intent.
8. 7.8. The Service is not responsible if the User interacts with fraudulent websites or Telegram accounts impersonating the official Service website and its Telegram account (“mirrors”). The official website address and Telegram account of the Service are listed on https://ex.center/.
9. 7.9. The use of the Service for any illegal activities is strictly prohibited.
10. 7.10. All Service offerings are provided without any explicit or implied warranties, including but not limited to implied warranties of merchantability and fitness for a particular purpose. The Service does not guarantee that all its services and the website will be available 100% of the time to meet the User's needs. The Service will strive to provide its services as quickly as possible but does not guarantee uninterrupted access or the absence of delays, failures, errors, omissions, or data loss, including those caused by third parties.
11. 7.11. By accepting these Rules, the User confirms that:
    • They have provided accurate and truthful information about themselves.
    • They are not involved in money laundering as per KYC and AML regulations.
    • Their income is not linked to illegal activities.
    • They are not listed in any sanctions or terrorist financing lists.
    • They are not under investigation for fraud or other crimes.
    • Cryptocurrency trading is legal in their jurisdiction.
12. 7.12. The User must not interfere with the Service’s operations.
13. 7.13. If the User causes damage to the Service, they must compensate for it in full.
14. 7.14. If the User receives an overpayment, they must return the excess amount to the Service.
15. 7.15. The Service does not provide financial advice.
16. 7.16. The User acknowledges and accepts all risks associated with cryptocurrency transactions.

8. Force Majeure

1. 8.1. Neither the User nor the Service is liable for failure to fulfill obligations due to unforeseeable and unavoidable events such as war, natural disasters, government actions, etc.
2. 8.2. The affected party must notify the other within three calendar days of the event.
3. 8.3. Failure to provide timely notice results in the loss of the right to claim force majeure.

9. Final Provisions

1. 9.1. The Service does not store User transaction data on its servers.
2. 9.2. The Service will respond to User requests within five business days.
3. 9.3. These Rules are agreed upon electronically during registration.

10. Contact Information

1. 10.1. Users can contact support via live chat on the website.
2. Email inquiries can be sent to email.
3. The official Telegram support chat is available, but exchanges and personal data exchanges must be conducted via official channels listed in 10.1 and 10.2.