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

1.2. By accepting and agreeing to the terms of service and confirming the User's registration with kursov24.org, the registration is carried out for the provision of services related to the exchange, purchase, or sale of electronic funds provided by kursov24.org

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

1.4. When mentioned together, the User and the Online Resource are referred to as the 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. 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. kursov24.org

2.1. The online resource kursov24.org provides services as listed in clause 4 of the Agreement. The User is required to adhere to the standards outlined in clause 9, 'The Procedure for Performing Exchange Transactions.' The services are provided in accordance with the procedure defined by the Regulations, as detailed in clause 5 of the Agreement.

2.2. The User who initiates the exchange transaction is responsible for making the payment.

3.1. The online resource kursov24.org undertakes the following obligations:

3.1.1 To exchange electronic currencies of the payment systems Qiwi, Payeer, Perfect Money, Paycash, Yandex Money, and some other EPS in accordance with the rules stipulated in this Agreement.

3.1.2. To provide information and technical support to Users during their use of the services provided by the Online Service.

3.1.3. To guarantee the confidentiality of information regarding the execution of exchange transactions (personal information of customers, time of transaction, amount) and to transfer it to Users who have made the corresponding payments. If an anonymous payment system was involved in the exchange process, such an operation is classified as "confidential" and is not subject to further disclosure.

3.1.4. To restrict access of unauthorized persons to payment data.

3.1.5. To provide discounts to Users in accordance with the procedure established by the Agreement.

3.1.6. To ensure the transfer of funds to the User's account or a third party no later than 24 hours after receipt of the complaint in the situations listed in paragraphs 3.2.5, 5.4—5.6 of the Agreement.

3.1.7. To keep confidential and not disclose information on exchange transactions, as well as personal data of the User, to third parties, except in the following situations:

- by a lawful court decision at the location of the owner of the Internet service;

- at the legitimate request of the competent authorities at the location of the owner of the Internet service;

- at the request of the administration of one of the payment systems, namely Perfect Money, Payeer, Qiwi, Yandex Money, and others.

3.2. The User undertakes the following obligations:

3.2.1 Provide correct personal information and required banking details for the operation. Before submitting it, you must make sure that there are no errors or typos in this information.

3.2.2. Indicate the true details of your email address.

3.2.3. Create opportunities to receive notifications from the system by e-mail. Provide access to the network using a computer or other device. Install antivirus programs so that the connection to the Online resource is as secure as possible.

3.2.4. Comply with the requirements of this Agreement.

3.2.5. Notify the administration of the resource if the funds have not been fully or partially credited to the recipient's account. And also about all situations where the circumstances specified in clauses 5.4—5.6 of this Agreement took place. The notification should be sent to the administration no later than one month after the occurrence of the relevant incident. Failure to comply with this requirement leads to the transfer of disputed amounts to the account of the Online service.

3.2.6. Comply with the laws of your country of residence and citizenship.

3.2.7. Do not violate the requirements of regulatory acts that establish the specifics of conducting an online exchange.

3.3. Online service rights kursov24.org:

3.3.1. Temporarily stop the operation of the service for troubleshooting and modernization.

3.3.2. Stop the transaction if the competent authorities contact you or if there is a suspicion of fraudulent activities. The exchange stops for the time it takes to clarify the situation.

3.3.3. Establish a system of discounts on exchange transactions at its discretion.

3.3.4. Set and change exchange fees.

3.3.5. Restrict a potential User from accessing its services without explaining the reasons for the refusal.

3.3.6. If an error is made during the exchange process, the Online Service has the right to require the User to confirm the transaction using communication means, e-mail, or a screenshot of the virtual wallet.

3.3.7. Interrupt a conversation with a User who behaves inappropriately or restricts employees from obtaining the data necessary to resolve their question.

3.3.8. Block the payment in the cases provided for in clauses 5.4—5.6 of this Agreement or the Regulations.

3.3.9. Block the transfer and withhold the money until the User's identity is verified.

3.3.10. If partner payment systems block the receipt of funds from the User, the order is frozen until the funds are fully unblocked. The client is obliged to provide the service with all necessary documents requested by third-party partner payment systems to unlock the funds.

3.4. The security service has the right to freeze a client's order if the client has somehow received illegal enrichment through this or a third-party exchange service and is listed as a debtor. The order will remain frozen until the reasons are clarified and compensation is made for any losses incurred by exchangers due to this user.

3.5. The exchange service reserves the right to review the terms of remuneration in the referral program.

3.6. Referral fees are not credited if the exchange service makes a profit of less than 0.6%.

3.7. Referral fees can be withdrawn if the invitee has 5 or more referrals. Additionally, each of the 5 referrals must have at least one successful order.

3.8. The online service has the right to suspend operations if it is discovered that the client aims to profit from the difference in exchange rates of the exchange service. In this case, the order is blocked until the circumstances are clarified by the service administration.

3.8.1. In the case of detecting a technical error or malfunction in the difference in exchange rates, the kursov24 exchange service reserves the right to suspend the exchange until it is clarified.

3.8.2. In this case, the provisions in paragraph 3.8.1 provide the opportunity to calculate an erroneous order at the correct exchange rate or to refund funds to the sender using the provided details.

3.8.3. The exchange service is not responsible for technical failures as it does not depend on it in any way. All claims and complaints in this case are unjustified.

3.9. The service has the right to recalculate the rate fixed by the order in the case of:

- a long delay in the 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)

- the client indicated the minimum commission for the transfer per transaction, 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.

- if the User has transferred an amount that does not match the amount specified in the order.

4.1. The online resource kursov24.org conducts exchange operations with payment funds through the website. Payments are facilitated using various payment systems, cryptocurrency platforms, and electronic wallets.

5.1. The exchange begins upon receipt of payment funds from the User.

5.1.1. The actual receipt of funds is confirmed by the enrollment and receipt of necessary confirmations from the receiving platform.

5.2. The exchange is considered completed once the payment funds have been transferred to the details provided by the Client.

5.3. The User does not have the right to cancel the operation once it has begun or to demand a refund of the funds transferred for exchange.

5.4. If the User transfers an amount that does not match the amount specified in the order, the Online Service has the right to stop the operation and either recalculate the exchange rate or refund the funds to the Client.

5.5. The User must have direct access to their wallet. If details are provided to which there is no access, the Service has the right to refuse its services and is not responsible for the consequences of using a third party. If an incorrect account is specified, the exchange will not be performed. The money will be returned to the User upon request, based on clause 3.2.5. Commissions and a fine of 2% of the transfer amount will be charged.

5.6. If the User has adjusted the payment amount or made a payment from someone else's account, the Online Service has the right to block such a payment. The refund will be made at the User's request, based on clause 3.2.5, but the User will be charged a commission and a fine of 1%.

5.7. If the User conducts an exchange involving Bitcoin cryptocurrency (i.e., exchanges any of the currencies presented in the Service for Bitcoin), it should be noted that transactions on the Bitcoin network can take from 15 minutes to several days. This does not depend on the kursov24.org exchanger, and it cannot affect the situation or speed up transaction processing.

5.8 In case of suspension of the exchange at any stage (crediting or withdrawal) due to blocking related to the crediting of dubious payment means, the exchange Service will freeze the User's funds until clarification. Representatives of the security services of payment systems and the crypto platform will be involved in the investigation. The terms for the defrosting of funds and the resumption of the exchange are not set.

5.9 The Client must make the payment for the order within 15 minutes; otherwise, the order may be deleted or recalculated at the current exchange rate.

6.1. Resource exchanger kursov24.org The resource exchanger kursov24.org does not bear any legal responsibility for the consequences of improper use of the service or for errors made by the User while filling out an order for a virtual currency exchange. The payment will not be canceled, even if the money was sent to the wrong account.

6.2. The Online Service does not cover damages resulting from the loss of operability of the equipment as a whole or its individual parts, which are used by the User during the exchange.

6.3. The Online Service is not responsible for delays, suspension of payment, or inaccuracies in the process caused by the actions of banks, payment systems, or crypto platforms. The exchanger is not responsible for any possible blocking of bank cards or accounts of the User's payment systems following the exchange operation.

6.3.1. The Online Service will cancel card verification 1 hour after successful verification if the customer has not completed at least one successful exchange.

6.4. kursov24.org is not responsible for any costs and losses incurred by the User due to misunderstandings about tariffs, the profitability of the exchange, or other subjective factors.

6.5. Online service kursov24.org does not compensate for costs and losses caused by delays, blockages, or errors in the exchange process.

6.6. The User confirms that they have legal grounds for disposing of the funds involved in the exchange. If there is any suspicion regarding the legality of the funds, the exchange may be suspended. Funds involved in activities described in clause 10.5.1 are not allowed.

6.7. The User is responsible for fully compensating any losses incurred by third parties as a result of their use of the Online Service, through refunds and deductions from future orders.

6.8. If the client agrees to a refund, all associated costs and commissions are charged to the client at a rate of 2% of the refunded amount.

6.9. The Online Service is not responsible for the client's use of custodial wallets.

7.1. The administration of kursov24.org reserves the right to make changes or additions to this Agreement at any time. Such changes or additions will become effective immediately upon their publication on the resource.

8.1. In the event of force majeure circumstances, the Parties shall be released from liability for non-fulfillment or untimely fulfillment of the terms of this Agreement. Force majeure circumstances include war, terrorist attacks, fire, flood, riots, hacking, acts of local authorities, as well as power outages and lack of access to networks, including the Internet and communication services.

9.1. The Online Service cannot be used for conducting illegal transactions. The User agrees to be held accountable for any attempt to exchange questionable funds, in accordance with the laws of the jurisdiction where the violation occurred.

9.2. If the illegality of a payment is established, the Online Service has the right to disclose information about the transaction upon request from law enforcement agencies, the payment system, or the affected party.

9.3. To complete an exchange, the User must ensure that the appropriate amount of payment funds is withdrawn from their virtual wallet. The User is personally responsible for ensuring that there are legal grounds for the transfer of payment funds to their wallet or platform. The Online Service kursov24.org is not responsible for any consequences arising from the activation of the risk control system of the receiving wallet or platform.

9.4. Bank transfers are possible within the framework of online banking of the payment system. When transferring funds in certain directions, the User must account for any fees or charges imposed by the payment system or bank, which may be a percentage of the payment amount.

9.5. The Online Service is not responsible for payments made by third parties with the consent of the User.

9.6. The User accepts the Agreement in full by activating the "start exchange" button.

10.1. By using the services of the Platform, the Client agrees to undergo identification.

10.2. The Platform may request any personal data in any format and volume that it deems necessary for complete identification.

10.3. The Client agrees to allow the Platform to conduct any necessary research, either directly or through third parties, to verify the Client's identity or to protect the Client and/or the Platform from financial crimes such as fraud. Such third parties may include KYC services and/or other systems, and the Client does not restrict the Platform in choosing these entities.

10.4 By completing the identification process, the Client agrees to the Platform conducting any research regarding the Client that it deems necessary. The Platform may involve third parties in these investigations at its discretion.

10.5. By using the services of the Platform, the Client agrees to AML (Anti-Money Laundering) verification of all online addresses associated with transactions conducted on the Platform.

10.5.1. Dear Customer, we would like to inform you about our AML verification policy. If your funds are involved in any of the following categories:

• Illegal Service

• Mixing Service

• Fraudulent Exchange

• Darknet Marketplace

• Darknet Service

• Ransom

• Scam

• Stolen Coins

• Enforcement Action

• Sanctions

Your funds will be frozen until the situation is resolved. In such cases, you will need to complete identity verification.

To do this, you must provide:

A photo of the main page of your passport, a page showing your address of residence, a selfie with the passport (with our website in the background, showing your personal account and the order requiring additional verification), and to confirm your address, a recent payment document (no older than 3 months) such as a utility bill, internet bill, or bank statement. The document must be in your name and match your place of registration.

After verification, you will receive a refund minus 5% of the amount received. Please send these documents to [email protected] and include your order number and return address in the email.

If you refuse to undergo verification, you must notify us in writing at [email protected], and a refund will be issued minus 10% of the amount received. Please include your order number and return address in the email.

*The refund fee is charged to cover the costs of AML verification and other expenses related to funds associated with illegal activities.

*Refund processing time in both cases is between 12 to 24 hours.

*If our security service does not receive an official refund request within 90 calendar days, the funds will not be refunded.