Terms of Service

1. General Provisions

Before using the services of AvanChange, the User must fully review the terms of the “AvanChange Service Agreement”. Use of the Service is only possible if the User accepts all terms of the Agreement.
The current version of the Agreement is publicly available on the Service Website (www.AvanChange.com).

2. Terms and Definitions Used in the Agreement

3. Subject of the Agreement

3.1. The subject of this Agreement is the provision by the AvanChange Service to the User of the following services:
3.1.1. exchange of electronic currency (Section 6 of the Agreement);
3.1.2. sale of electronic currency to the User (Section 7 of the Agreement);
3.1.3. purchase of electronic currency from the User (Section 8 of the Agreement).

4. Procedure for Service Provision

4.1. The User orders the Service by submitting a Request through the Service Website.
4.2. The User manages the transaction process or receives information about the progress of the transaction through the relevant user interface located on the Service Website.
4.3. The Service executes Requests on an irrevocable basis in accordance with the operating terms of the relevant payment systems.
4.6. The Service is not a party to the agreement between the Payment System and the Payment System Client and under no circumstances shall be liable for the actions of the Payment System and its Client. The rights and obligations of the payment system and its Client are governed by the terms of service of the relevant Payment Systems.
4.7. The AvanChange Service does not require confirmation that the sender and recipient of funds participating in the Transaction are the same legal entity or individual. The AvanChange Service is not a party to the relationship between the sender and recipient of funds or electronic currency.
4.8. The Service verifies the authority and legality of the User’s ownership of electronic currencies and/or funds involved in a specific Transaction. By making exchanges through our Service, the User must ensure the lawful origin of funds and comply with the AML policy.
4.9. The User undertakes to independently calculate and pay all taxes required under the tax legislation of the User’s place of residence/location.
4.10. In caring about the quality of services provided to Users, the AvanChange Service undertakes to perform all actions under this Agreement as promptly as possible.
4.11. In the event of a technical malfunction or failure on the side of payment systems or the exchange service, payouts under Requests may be made within a period from 5 minutes to 24 hours, depending on the time required to resolve the malfunction. At the client’s request, the Service may refund funds minus the fee if the issue is on the side of the payment system.

5. Service Fees and Exchange Rate

5.1. The cost of the Service’s services is set by the Service management and published on the Service Website.
5.2. The Service has the right to independently change exchange rates for electronic currencies and charged commissions at any time unilaterally, notifying Users of the Service by prior publication of information about such changes on the Service Website.
5.3. The Request created by the User on the Service Website specifies the Exchange Rate, the fee charged by the relevant Payment System for conducting the Transaction, the amount of the Service’s remuneration, the Exchange method, as well as the total amount of funds or electronic currency to be transferred.
5.4. The AvanChange Service charges its remuneration at the time of conducting the relevant Transaction.
5.5. If the exchange rate in the Request does not correspond to the market rate based on current data from CoinMarketCap for any reason, and/or the “Best Rate” type was selected, the exchange service has the right to recalculate the Request at the current rate or issue a refund to the User. Recalculation occurs automatically if the CoinMarketCap rate has changed by more than 0.3–2%. After payment is received, the rate is fixed by the operator, and rate changes are displayed on the Request page.
5.5.1. The rate will not be changed if the “Fixed Rate” exchange method is selected in the Request. Exceptions may apply if the User paid for the Request later than the time allotted for it, in accordance with clause 5.5.3 of this User Agreement.
5.5.2. The rate cannot be changed after payment confirmation, taking into account receipt of the required number of confirmations, within the time allotted in accordance with clause 5.5.3 of this User Agreement.
5.5.3. The allotted time for Payment and the Exchange Rate are indicated on the Request creation page and on the Payment page. On average, 60 minutes are allotted for paying a Request. The maximum payment time is up to 3 business days, which corresponds to the bank processing regulations for bank transfers or in case the payment is checked by the bank’s security department.
5.6. If the Request is paid after the time allotted for payment, or payment under your Request is received after the time allotted for payment, the Service reserves the right to refund the payment under the Request minus the fee back to the client or execute the Request, with the client’s consent, at the current rate if the market rate for the selected exchange direction has changed by more than 2%.
5.7. The time for crediting funds to bank details is indicated on the Request page. In case of a transfer delay on the bank’s side, the waiting time may be extended for the entire duration of the bank review.

6. Exchange of Electronic Currency

6.1. By creating a Request, the User instructs the AvanChange Service, and the AvanChange Service, on its own behalf and at the expense of the User, performs actions to exchange Electronic Currency of one Payment System (Source Currency) for Electronic Currency of another Payment System (Resulting Currency) selected by the User.
6.2. The User undertakes to transfer/provide the Source Currency in the amount specified in the Request, and the Service, after receiving the relevant Electronic Currency, undertakes to transfer/provide to the User the Resulting Currency calculated at the Exchange Rate and in accordance with the Service tariffs.
6.3. The amount of the Service’s remuneration for the actions specified in clauses 6.1 and 6.4 of the Agreement is reflected in the Request and confirmed by the User by clicking the “Next” button on one of the user interface pages when creating the Request.
6.4. The Service’s obligation to transfer/provide Electronic Currency to the User is considered fulfilled at the moment the Electronic Currency is debited in the relevant Payment System from the Service’s account, which is recorded in the transaction history of the relevant Payment System.

7. Purchase of Electronic Currency by the User

7.1. By creating a Request, the User instructs the AvanChange Service, and the AvanChange Service, on its own behalf and at the expense of the User, performs actions to acquire and transfer Electronic Currency to the User.
7.2. The amount of the Service’s remuneration for the actions specified in clause 7.1 of the Agreement is reflected in the Request and confirmed by the User by clicking the “Next” button on one of the user interface pages.
7.3. Within 12 hours from the moment of receiving funds from the User in the amount specified in the relevant Request, the AvanChange Service must transfer/provide the Resulting Currency to the details and in the amount specified by the User in the Request.
7.4. The AvanChange Service has the right to cancel a Request created by the User for the purchase of Electronic Currency for cash rubles if payment under such Request is not received at the Service’s settlement cash desk within one day from the moment such Request was created.
7.5. The AvanChange Service has the right to cancel a Request created by the User for the purchase of Electronic Currency for non-cash rubles if payment under such Request is not received to the Service’s settlement account within 60 hours from the moment such Request was created.
7.6. In order to counter fraudulent transactions when making payments online using bank cards of the international payment systems Visa and MasterCard, the Service has the right to limit transactions for purchasing electronic currencies with bank cards and establishes the following restrictions:
- the maximum amount of electronic currency purchases per day per one bank card has a limit and may be specified in the order form or directly on the payment gateway;
- the maximum amount of electronic currency purchases per month per one bank card has a limit and may be specified in the order form or directly on the payment gateway;
7.7. The Service’s obligation to transfer/provide the Resulting Currency to the User is considered fulfilled at the moment the Electronic Currency is debited in the relevant Payment System from the Service’s account, which is recorded in the transaction history of the relevant Payment System.

8. Sale of Electronic Currency by the User

8.1. By creating a Request, the User instructs the AvanChange Service, and the AvanChange Service, on its own behalf and at the expense of the User, purchases electronic currency from the User and performs actions to transfer the monetary equivalent to the User in the amount specified in the Request.
8.2. Within 3 (three) business days from the moment of receiving the Source Currency from the User in the amount specified in the relevant Request, the AvanChange Service must transfer to the User the ruble monetary equivalent of the transferred Electronic Currency by the method selected by the User when submitting the Request.
8.3. The amount of the Service’s remuneration for the actions specified in clause 8.1 of the Agreement is reflected in the Request and confirmed by the User by clicking the “Next” button on one of the user interface pages.
8.4. The Service’s obligation to transfer the ruble monetary equivalent of the transferred Electronic Currency is considered fulfilled at the moment the relevant amount is debited from the Service’s settlement account.
8.5. If the User fails to receive the ruble monetary equivalent due to the User’s fault within the established time from the moment the Request is paid, the AvanChange Service has the right to return the Electronic Currency to the User’s Source Account minus the Payment System fee, if any.
8.6. In case of suspicion that the client has committed fraudulent actions and/or in the event of disputes related to clone-request iteration or other schemes, the Service has the right to return electronic funds to the sender’s Source Wallet minus the network/exchange fee and request identity verification.

9. Cryptocurrency Exchange

9.1. Requests for exchanging cryptocurrencies Ethereum, Bitcoin, USDT Tether ERC20, USDT Tether OMNI, TrueUSD, Monero, TestCoin, Ripple, Paxos, Cardano, Polkadot, Binance Coin, Litecoin, Chainlink, Stellar, Bitcoin Cash, Dogecoin, USD Coin, Uniswap, Aave, Wrapped Bitcoin, EOS, Cosmos, Bitcoin SV, TRON, Avalanche, NEM, Tezos, IOTA, VeChain, Synthetix, THETA, Maker, Neo, Algorand, Solana, SushiSwap, Dash, Elrond, USDT Tether TRC20 (“You send”) are considered paid and are processed when the transaction receives at least 1 confirmation. The full list of available cryptocurrencies.
9.2. Payouts under Requests involving cryptocurrencies Ethereum, Bitcoin, USDT Tether ERC20, USDT Tether OMNI, TrueUSD, Monero, TestCoin, Ripple, Paxos, Cardano, Polkadot, Binance Coin, Litecoin, Chainlink, Stellar, Bitcoin Cash, Dogecoin, USD Coin, Uniswap, Aave, Wrapped Bitcoin, EOS, Cosmos, Bitcoin SV, TRON, Avalanche, NEM, Tezos, IOTA, VeChain, Synthetix, THETA, Maker, Neo, Algorand, Solana, SushiSwap, Dash, Elrond, USDT Tether TRC20 (“You send”). The full list of available cryptocurrencies
9.2.1. To complete the exchange transaction quickly, we recommend setting the network-recommended fee to confirm the transaction in the first block and reduce waiting time.
9.2.1.2. The payout amount under the Request is reserved for 1 hour from the moment the Request is created, but may be adjusted in certain cases (see clause 9.2.2). If payment under the Request is received more than 1 hour after the Request was created, the exchange may be completed with some delay, depending on the availability of the required currency reserve.
9.2.2. The Service recalculates the payout amount at the current rate based on the selected exchange direction:

• if the transaction under the Request is received after the allotted payment time has expired;
• if the transaction under the Request is received on time but does not receive the required number of confirmations before the allotted payment time expires;
• if the payout under the Request was not made after the allotted time from the moment the Request was created due to incorrect recipient account details or restrictions on receiving funds by the recipient;
• if the exchange rate for the direction, based on Coinmarketcap, changed by more than 0.5%. at the time of payment of the Request. In this case, the payout amount may be recalculated either in your favor or in favor of the Service, depending on the direction of the sharp exchange-rate movement. The payout under the exchange Request is made based on the recalculated amount;
• in all other cases, recalculation is not performed;
• the Service reserves the right to execute the Request at the current rate at the time of the actual payout.

9.2.3. Payout under an exchange Request, where payment was received after the allotted payment time, is made provided that the User contacts support.
9.2.4. The Service refunds received funds minus the payment system fee if the User is not satisfied with the exchange rate or cannot accept payment for various reasons, provided that the User contacts support.
9.3. Receiving funds from an exchange for cryptocurrencies Ethereum, Litecoin, Ethereum Classic, Dash, Zcash, BitcoinCash, Ripple, NEO, EOS (“You receive”) may take from 5 minutes to 12 hours.
9.4. In case of high load or technical issues in cryptocurrency networks (Bitcoin, Ethereum, Litecoin, Ethereum Classic, Dash, Zcash, BitcoinCash, Dogecoin, Ripple, NEO, EOS) for reasons beyond the control of the Service, the delivery time of funds to the recipient’s account may reach 48 hours.
9.5. Requests for cryptocurrency exchange (“You send”) paid in an amount lower than the minimum allowed by the Website and/or with a fee lower than the minimum recommended by the payment system are not subject to execution or refund.
9.6. If you paid for an exchange involving cryptocurrencies Bitcoin, Ethereum, Litecoin, Ethereum Classic, Dash, Zcash, BitcoinCash, Dogecoin, Ripple, NEO, EOS (“You send”), but the funds have not arrived to our Service’s account after 6 hours (for Tether ERC20 — 3 hours), please inform our support team. When contacting support, the User must provide a screenshot of the transfer from their wallet or exchange. The screenshot must show the transfer date and recipient address. After the User contacts support and confirms the transfer with a screenshot, the payment address will be archived. If the User does not contact support regarding this issue within 6 to 12 hours (for Tether ERC20 — within 3 to 6 hours) from the moment the Request was created, AvanChange reserves the right not to execute an exchange paid with a delay of more than 12 hours (for Tether ERC20 — more than 6 hours).
9.7. The AvanChange team is not responsible for funds transferred to details of another network or without specifying a MEMO/Tag/Comment. Funds sent without a MEMO/Tag/Comment are subject to manual recovery. For recovery of funds, technical support charges from $10 to $30, since additional company resources are required.
9.8. Rules for Filing Appeals:
9.8.1. Appeal rules for ruble transfers:

• Appeal filing period: no more than 14 days from the moment the Request is created.
• Review period: from 30 minutes to 5 business days.
• 9.8.1.2. An appeal may be rejected if:
  • The paid amount differs from the amount in the Request.
  • The payment was made later than the time specified in the Request.
  • The payment was made to a different bank than the one specified in the Request.
  • The appeal request was submitted after 14 days.

9.8.3. Appeal rules for crypto assets:

• Appeal filing period: 30 calendar days.
• Grounds for filing an appeal:
  • Blocking of assets due to suspicion of involvement in illegal activity.
  • Erroneous transfer to the Service’s details.
  • The User’s refusal to undergo verification and/or inability to pass it.
  • The User’s request to cancel the Request as part of KYC/KYT checks.

9.8.4. The AvanChange Service is not responsible for storing blocked assets if:

• The appeal request is submitted after 30 calendar days.
• There is no physical access to the previously issued crypto wallet.
• When reviewing an appeal after the established period, the AvanChange Service charges an additional fee of 7% for each month, starting from the 31st day.

10. Entry into Force of the Agreement

10.1. This Agreement is deemed concluded under the terms of a public offer accepted by the User during submission of a Request.
10.2. The public offer is the information displayed by the AvanChange Service regarding the parameters and terms of the Request.
10.3. Acceptance of the public offer means the User performing actions to complete the creation of the Request, confirming their intention to use the Service under the terms described in this Agreement and specified in the Request.
10.4. The date and time of acceptance, as well as the parameters of the Request terms, are automatically recorded by the AvanChange Service at the moment the Request is completed.
10.5. The Agreement enters into force from the moment the User completes the creation of the Request. The User has the right to refuse to complete the operation under the Request. The User’s acceptance period is 24 hours from the moment the Request is completed.

11. Liability of the Parties

11.1. The AvanChange Service is liable to the User in an amount not exceeding the amount of funds or electronic currency entrusted by the User.
11.2. The AvanChange Service is not liable for malfunctions, errors, and failures in software and/or hardware that ensure the operation of the Service, arising for reasons beyond the control of the Service, nor for the User’s losses related thereto.
11.3 The AvanChange Service provides only exchange, purchase, and sale services for electronic currencies. AvanChange does not in any way accept payments in favor of any third parties and also prohibits exchanges to wallets/accounts that do not belong to the User. AvanChange does not enter into any partnerships or conclude any agreements with recipients of payments for their goods or services and is categorically opposed to such relationships. AvanChange may not be used as an intermediary service for settlements between a buyer and a seller, a client and a contractor, etc.
11.4. The AvanChange Service is not liable for losses incurred by the User as a result of unlawful actions of third parties.
11.5. The User bears full responsibility for the accuracy of information provided when completing the Request. If the User fails to provide or incorrectly provides personal data, the AvanChange Service is not liable for losses incurred by the User as a result of such error.
11.6. It is prohibited to have more than one active account (multi-account) in the AvanChange Service. The User’s account must be a single account with accurate data.
11.7. The Parties shall be released from liability for full or partial failure to perform their obligations under the Agreement if such failure results from force majeure circumstances that arose after the Agreement entered into force, as a result of extraordinary events that could not have been foreseen or prevented by reasonable measures.
11.8. In other cases of non-performance or improper performance of their obligations under the Agreement, the Parties shall be liable in accordance with the laws of the Russian Federation, taking into account the terms of the Agreement.
11.9. It is prohibited to send any funds and coins to previously issued details. The AvanChange Service is not responsible and shall not be liable for the safety of such funds sent without creating a Request.
11.10. The AvanChange Service does not provide services to clients who have not reached the age of majority.
11.11. The AvanChange Service reserves the right to make a payout using the SBP method or by card number, depending on the most suitable route available through the gateway, if both types of details were specified when creating the Request.

12. Miscellaneous Provisions

12.1. The AvanChange Service has the right to unilaterally amend the Agreement by publishing changes on the System Website. Changes enter into force from the moment of publication unless another effective date is additionally specified upon publication.
12.2. In the event of suspicious actions by the User during Request creation, the AvanChange Service has the right to suspend such operations until the reasons for such actions are clarified in order to prevent damage from hacker attacks.
12.3. The AvanChange Service has the right to refuse to perform an exchange, purchase, or sale operation involving electronic currencies if the Source Currency was transferred to the Service’s account without creating a Request through the user interfaces on the Service Website.
Electronic currency transferred to the relevant Service accounts without creating a Request through the user interfaces on the Service Website may be returned to the User upon request, minus the Payment System fee, if any.
12.4. The AvanChange Service has the right to cancel a Request created by the User if, within one hour, the former has not received the Resulting Currency in the amount specified by the User in the Request, meaning the User has not paid the Request.
12.5. The AvanChange Service has the right to send information about the status of the exchange process to the User’s specified email address, as this is an integral part of the successful completion of the exchange.
12.6. All disputes and disagreements arising or that may arise from this Agreement shall be resolved through negotiations based on a written claim from the User. After receiving the claim from the User, the AvanChange Service must, within 15 (fifteen) days, satisfy the claims stated therein or send the User a reasoned refusal. All necessary documents must be attached to the response. If the dispute is not resolved through the claim procedure within 60 (sixty) days, either Party has the right to apply to the court at the location of the Service for dispute resolution.
12.7. The place of conclusion and place of performance of the Agreement is Moscow, Russian Federation.
12.8. If a threat of material or reputational damage is detected, the Service may refuse to conduct Operations on the Website and may also block the User’s access to the Website.
12.9. The AvanChange Service has the right to block the User’s operation in order to prevent fraudulent and other actions that may cause financial and reputational losses to the Service or the User.
12.10. If the client notices a discrepancy with exchange-rate broadcasts on monitoring platforms, the client must notify the Service’s technical support. For this, the client may be rewarded with an increased loyalty program level. If the client takes advantage of a technical failure on the side of the AvanChange exchange service and the exchange service suffers financial or reputational losses, such actions will be regarded as fraud. The client is subject to blocking, and all incomplete Requests may be withheld to compensate the Service’s losses.
12.11. The AvanChange Service reserves the right not to disclose information about the names of partners or other services with which we interact to maintain the basic functions of the Website.

13. Risk Notice

The offered goods and services are not provided by order of the person or enterprise operating the WebMoney Transfer system. We are an independent enterprise providing services and independently make decisions regarding prices and offers. Enterprises operating the WebMoney Transfer system do not receive commissions or other remuneration for participating in the provision of services and bear no responsibility for our activities. Certification performed by WebMoney Transfer only confirms our contact details and verifies identity. It is carried out at our request and does not mean that we are in any way connected with sales by WebMoney system operators.

14. Geographical Restrictions

Our services are available exclusively to users who access and use our platform from jurisdictions other than the United States. Users attempting to access our services from the United States will not be able to continue using them. We reserve the right to refuse service or cancel any transactions involving users located in the United States. By using our services, you confirm that you do not reside in the United States and do not access our platform from within the United States.

15. Final Provisions

By joining this Agreement and submitting their data on the AvanChange Website by filling in the form fields, the Customer
15.1. Confirms that all data provided by them personally belongs to them.
15.2. Confirms and acknowledges that they have carefully and fully read the Agreement and the terms for processing their personal data specified in the form fields, and that the text of the Agreement and the terms for processing personal data are clear to them.
15.3. Gives consent to the Website to process the personal data provided as part of the information for the purpose of concluding this Agreement between them and the Website, as well as for its subsequent performance.
15.4. Expresses consent to the terms of personal data processing.
15.5. Expresses consent to the terms of the AML/KYC policy.