1.1. This Agreement establishes the specifics of the provision of exchange services by the Online Service.

1.2. By accepting the terms of the agreement and registering in the Online Service kursov24.org, The user gets access to services for the exchange, purchase and sale of digital currency provided by the Online service. kursov24.org

1.3. Users include individuals and organizations who have agreed to cooperate with the Online Service.

1.4. In general terms, the User and the Online Service are referred to as Parties.

1.5. The parties agree that this electronic Agreement has the same legal force as a written contract and is intended to regulate their relationship in the process of using exchange services.

1.6. By using the services of the platform, the user agrees to conduct checks and identification through third parties such as KYC, AML (clause 9.1) and others to protect against financial crimes.

2.1. The online resource kursov24.org provides the services listed in this Agreement, subject to the User's compliance with all its provisions. The services are provided in accordance with the Regulations, which establish the procedure for performing operations (paragraph 5.) and regulate the liability of the parties (paragraph 3.).

3.1. Commitments kursov24.org

3.1.1 To provide services according to the terms of this agreement.

3.1.2. Provide information and technical support to users when using the services.

3.1.3. To ensure the confidentiality of information related to exchange transactions, including personal data, time and amount of the transaction. If an anonymous payment system was used during the exchange, such an operation is considered confidential and is not subject to disclosure.

3.1.4. Restrict access of third parties to payment data.

3.1.5. Provide discounts to users in accordance with the terms of this agreement.

3.1.6. Transfer funds to the user's account no later than 24 hours after the complaint is filed in the situations provided for in paragraphs 3.2.5 and 5.4–5.6.

3.1.7. Keep user data confidential, except in cases where:

- by a lawful court decision;

- at the request of the competent authorities;

- at the request of payment systems or the regulator

3.2. User's Obligations

3.2.1 The User accepts the Agreement in full by activating the "Start Exchange" button and undertakes to comply with the terms of the agreement.

3.2.2. Provide accurate personal data and banking details for operations. Make sure there are no errors. Specify a valid email address.

3.2.3. Provide the ability to receive email notifications, as well as maintain a secure connection to the resource (for example, install an antivirus).

3.2.4. The user is obliged to pay for the exchange operation in accordance with the established tariffs. In case of non-payment, the Online Service has the right to suspend the provision of services.

3.2.5. Notify the administration of the Online Service no later than one month about cases of non-deduction of funds or the circumstances described in clauses 5.4–5.6. Otherwise, the disputed amounts may be credited to the service account.

3.2.6. Comply with the laws of the country of residence.

3.2.7. Do not violate the regulatory requirements governing online exchange.

3.2.7. Do not use the Online Service for illegal transactions. The User is responsible for attempts to exchange questionable funds in accordance with the law.

3.3. Online service rights kursov24.org:

3.3.1. Suspend the Online Service for troubleshooting or upgrading.

3.3.2. Stop conducting transactions when contacting the competent authorities or if fraudulent actions are suspected, for the period necessary to clarify the circumstances.

3.3.3. Determine and modify the discount system for exchange transactions at your discretion.

3.3.4. Set and review exchange fees by notifying users of changes.

3.3.5. Restrict users' access to services without explaining the reasons.

3.3.6. Require users to confirm transactions (for example, provide screenshots or other evidence) when errors or suspicions are detected.

3.3.7. Interrupt communication with the user if his behavior prevents employees from fulfilling their duties. In case of inappropriate communication, including insults, threats or aggressive statements. When trying to manipulate or mislead employees.

3.3.8. Block payments in cases specified in clauses 5.4–5.6 of the agreement or in other stipulated situations.

3.3.9. If the receiving wallet or platform is blocked, suspend the exchange until the funds are fully unblocked. The User undertakes to assist in the verification process and provide all necessary documents required by the receiving wallet or platform for verification.

3.3.10. The Online Service is not responsible for payments made with the User's consent by third parties.

3.4. The security service of the Online service has the right to suspend the exchange if the fact of illicit enrichment is revealed, or the user is on the list of debtors of other exchange services. The suspension is valid until the circumstances are clarified and the losses incurred are compensated.

3.5. The online service reserves the right to make changes to the terms of the referral program rewards at any time.

3.6. Referral fees are not awarded if the service's profit from the exchange operation is less than 0.6%

3.7. Referral fees can only be withdrawn if the invitee has 5 or more active referrals, each of whom has completed at least one successful application.

3.8. The online service has the right to suspend the operation if the user's desire to make a profit based on the difference in exchange rates is detected. In such cases, the exchange is suspended until it is clarified.

3.8.1. If a technical error is detected in the exchange rate, the Online Service suspends the operation until the circumstances are clarified. In this case, the exchange can be recalculated at the correct/current exchange rate, or the funds will be returned to the sender, subject to deduction of the necessary fees.

3.8.2. The online service is not responsible for technical failures that occur for reasons independent of it, such as power outages, failures in banks, payment systems or cryptoplatforms, network problems beyond the control of the service, etc. Claims in such cases have no basis.

4.1. The online resource kursov24.org performs exchange operations with the digital currency presented on the website. Payment systems, cryptoplatforms, and electronic wallets supported by the service are used for conducting transactions.

5.1. To make an exchange, the User must transfer the appropriate amount of digital currency to the specified address. At the same time, he is personally responsible for the availability of legal grounds for crediting payment funds to a wallet or platform. Online service kursov24.org is not responsible for the consequences associated with the activation of the risk control system of the receiving wallet or platform.

5.1.1. The exchange process begins from the moment the payment funds are actually received from the user.

5.2. The exchange is completed after funds are transferred to the banking details provided by the user.

5.3. The User has no right to cancel the operation after it has started or to demand a refund of the funds transferred for the exchange.

5.4. The user must provide a valid email address to which he has direct access. The email mailbox serves as an identifier that identifies the account and assets involved in the operations.

5.4.1. In cases of violation of clause 5.4. - The Online Service has the right to refuse to provide services and information until the user is identified, as well as his involvement in operations and assets is established.

5.5. The user must have direct access to the wallet specified in the application. If you specify details that cannot be accessed, the Online Service has the right to refuse its services and is not responsible for the consequences of using a third party. If you specify an incorrect account, the exchange is suspended. The user either corrects the address, or the funds are returned to the user upon his application. If the user agrees to a refund, all costs and fees will be charged to the user in the amount of 2% of the amount received.

5.6. If the user has changed the payment amount or made a payment from someone else's account, the Online Service has the right to block such payment. The refund is carried out at the request of the user with a deduction of the commission and a fine of 1%.

5.7. In case of suspension of the exchange at any stage due to suspicious payment means, the online service suspends access to funds until the circumstances are clarified. Representatives of the security services of payment systems and cryptoplatforms are involved in the investigation. The time frame for restoring access to funds has not been determined.

5.8 We use CoinMarketCap as the main sources of the exchange rate, Gate.io , By Bit, Binance + service commission. The service's commission can range from 0.2% to 0.5%, depending on the direction of the exchange.

5.8.1 The application specifies a preliminary exchange rate, and can be recalculated in case of a decrease in the exchange rate on CoinMarketCap, Gate.io , ByBit, Binance since the creation of the application. The fixation is made depending on the deviation of the rate in the application for the rate on CoinMarketCap, Gate.io , ByBit, MEXC, HTX, Binance as a percentage. It may change for the worse for the user. The request cannot be recalculated in favor of the user.

6.1. Resource exchanger kursov24.org It is not responsible for errors made by the user when filling out the application, including sending funds to the wrong account, misconceptions about tariffs, the benefits of the exchange, as well as for losses caused by delays, blockages or other errors in the exchange process caused by the user or third parties. Cancellation of the payment is not possible, and compensation for damages is not provided.

6.2. The online service does not compensate for the damage caused by the loss of operability of the user's equipment.

6.3. The online service is not responsible for delays, blockages and errors caused by the actions of banks, payment systems or cryptoplatforms, including the subsequent blocking of cards and accounts.

6.4. The user confirms that there are legitimate grounds for disposing of funds. If illegal funds are suspected, the exchange may be suspended.

6.5. The User is obliged to compensate for all losses incurred by third parties as a result of using the Online Service.

6.6. The online service is not responsible for the use of custodial wallets.

7.1. The administration of kursov24.org The Company has the right to make changes or additions to this Agreement at any time. The changes take effect after they are posted on the website and apply to all users, including those already registered. The User is considered notified of the changes from the moment they are made public.

8.1. In case of insurmountable circumstances, the parties are released from liability for non-fulfillment or delay in fulfilling the terms of this Agreement. Such circumstances include: war, terrorist attacks, fires, floods, riots, hacker attacks, acts of local authorities, power outages and lack of access to the Internet and communication facilities.

9.1. In the event that the results of the mandatory AML verification reveal the involvement of your transaction in such concepts as:

- 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

The application will be suspended until the situation is resolved. In this case, you will need to complete identity verification.

To complete verification, an email with instructions on how to complete verification will be sent to your email address (paragraph 5.4). If the email has not been received, you can contact the support chat, and we will send you the instructions again.

After successful verification, the digital currency will be refunded minus 5% of the amount received.

*This list of tags is formed in accordance with the requirements of the AML regulations and is not our initiative.

9.2. In case of refusal to pass verification, you must notify us in writing at [email protected] . The digital currency will be refunded after deducting 10% of the amount received. (In the letter you need to specify the application number and the return address).

9.3. If the digital currency has been blocked by the receiving wallet or platform, a refund will be made only after the funds are fully unblocked, which may require full identification (clause 3.3.10). At the same time, a commission of 15% is deducted from the refunded amount.

9.4. If the illegality of the payment is proven, the Online Service has the right to transmit information at the request of law enforcement agencies, payment systems or victims.

*The refund fee is charged due to the cost of AML verification and other costs associated with processing digital currency related to illegal activities.

*The digital currency refund time is from 12 to 24 hours. The exception is clause 9.3. The deadline for completing the process in this case cannot be set and depends on the receiving wallet or platform.

*If our security service does not receive an official request for a refund of the digital currency within 90 calendar days, it is non-refundable.