Agreement to use the bankcomat.org service

1. General Provisions

1.1. The Agreement establishes the procedure for the provision by the Exchanger of services in the field of electronic currency exchange.
1.2. Under the exchanger is understood an online resource called Bankcomat.org.
1.3. A client is any individual making an exchange through Bankcomat.org.
1.4. Further, if the Client and the Exchanger are mentioned together, they are referred to as the Parties.
1.5. The parties agree that this Agreement governs the relationship between them in matters relating to the exchange of electronic currencies. The legal force of this electronic Agreement is not inferior to a written document.
1.6. This Agreement plays the role of a public offer. Its acceptance is made through the submission by the Client of an application for an exchange transaction through the Bankcomat.org exchanger.

2. Subject of the Agreement

2.1. The Bankcomat.org exchanger renders the services indicated in chapter No. 4 of the Agreement, and the Client complies with the standards stipulated in chapter No. 9 of the Agreement. The procedure for the provision of services is established by the internal Regulations of the Exchanger. The provisions of the Rules are set out in chapter No. 5 of the Agreement.
2.2. The Client must pay for the services of the Exchanger in accordance with the conditions specified in the Agreement.

3. Mutual obligations of the Parties

3.1. Bankcomat.org exchanger must:

3.1.1. Make an exchange of electronic money of payment systems Qiwi, Perfect Money, Payeer, Yandex.Money and title units of a number of other electronic payment systems (electronic payment systems) based on the standards provided for by the Agreement.
3.1.2. Provide the Client with informational and technical support during the execution of the application, using the capabilities of the online resource Bankcomat.org.
3.1.3. Guarantee the protection of information regarding transactions performed, including the Client’s personal data, time of money transfer, and their size. This information is available to the Client who completed the transaction. If the operation was performed through an anonymous payment system, then information about it falls into the category of confidential and is not subject to disclosure.
3.1.4. Do not allow the transfer of information about transactions to third parties. The following cases do not fall under this rule:
• If the court, the jurisdiction of which extends to the location of the Exchanger, has taken a decision that has entered into legal force;
• Upon receipt of an official request from law enforcement or tax authorities that operate at the location of the Exchanger;
• If there is an appeal from the administration of payment systems - partners of the Exchanger.
3.1.5. Carry out operations taking into account the personal discount of the Client.
3.1.6. Transfer money to the Client or to a third party no later than one day after a claim is made regarding violations related to non-compliance with the standards specified in clauses 3.2.5, 5.4, 5.5 or 5.6 of the current Agreement.

3.2. Customer Responsibilities:

3.2.1. Provide the correct details and personal information for the payment.
3.2.2. Identify the current global email address.
3.2.3. Provide messages from Bankcomat.org. Solve the problem of access to the global network using computer equipment or another device. Ensure a secure connection to the Exchange using reliable anti-virus programs.
3.2.4. Comply with the provisions of the Agreement.
3.2.5. Notify Bankcomat.org representatives and technical personnel about situations when the money transfer was not completed in full, or partially also about the cases specified in clauses 5.4. — 5.6. current Agreement. The notification must be sent within a month after the transaction. Otherwise, disputed payments will be made available to Bankcomat.org.
3.2.6. Fulfill the requirements of normative acts regulating the procedure for the exchange.
3.2.7. Refrain from using systems to illegally increase traffic.

3.3. Bankcomat.org exchanger has the right to:

3.3.1. Suspend activities for the duration of the modernization or to correct errors or malfunctions that arise in the operation of the exchange resource.
3.3.2. Stop the process of making a money transfer until the circumstances are clarified if a complaint is filed regarding the commission of fraud or there is an official request from the competent authorities.
3.3.3. Form a system of discounts.
3.3.4. Determine the size of the commission for an exchange in a specific direction.
3.3.5. Deny service to the Client without explanation of motivation;
3.3.6. If the transaction failed as a result of an error, then the Exchanger has the right to request additional information from the Client (for example, a screenshot of an electronic wallet, payment receipt) via mail.
3.3.7. Stop talking with a Client who behaves incorrectly with the employees of the Exchanger, asks questions that are not related to the operation of the service or refuses to provide the necessary information.
3.3.8. Block the money transfer in the event of circumstances specified in clauses 5.4. — 5.6. Agreement.
3.3.9. If necessary, block the operation and freeze funds in the user account until the person is identified and the data recorded in the system by the Client is verified.

3.4. In the event that the Client unjustly enriches the Bankomat.com web resource or third-party services with electronic money, the site administration has the right to suspend the application until the reasons and all circumstances are clarified, as well as compensation for losses incurred by the exchanger or other exchange services.

3.5. The administration of the exchange service has the right to revise the conditions of the referral program.

3.6. The service has the right to recalculate the rate fixed at the request in the event of:
- a long delay in the receipt of funds from the client to the service, due to a delay on the part of the third-party service.
- the client indicated the minimum commission for the transfer per transaction, which led to a long delay in the receipt of funds to the account of the service.

4. List of services

4.1. The online site Bankcomat.org exchanges electronic currencies of the Qiwi, Payeer, Bitcoin, Perfect Money, Yandex.Money and other types of EPS title systems using the services of banking institutions. The list of partners can be found on the information resource of the online exchange service Bankcomat.org.
4.2. The exchanger does not check the legality of the origin of the money used to carry out exchange transactions.

5. Exchange regulations

5.1. Bankcomat.org employees carry out a transfer only upon receipt of money from the Customer for making a payment.
5.2. The exchange is considered completed after the transfer of money to the details provided by the Client.
5.3. The client does not have the right to cancel the started transfer and cannot refund money already sent.
5.4. If the Customer has made a payment, the amount of which does not coincide with the amount indicated in the application, the Administration of the Exchanger has the right to suspend the transaction. The operation will be resumed after the Client’s request based on clause 3.2.5 of the Agreement. At the same time, the Exchanger has the right to recount the amount in the application if it has changed significantly.
5.5. If incorrect details are indicated, Bankcomat.org suspends the execution of the application. After the client addresses the support of the service with the email specified in the application, the exchanger can change the specified details or make a refund with deduction of the commission of one or another payment system
5.6. If the payment of the bill was made from a third-party account or payment notes were changed, the Exchanger blocks the transaction. A refund is possible upon the Customer’s appeal on the basis of clause 3.2.5. less the commission of the payment system, as well as a possible fine of 1% of the transfer.
5.7. If the exchanger exchanges for Bitcoin cryptocurrency, then the passage of a transaction to a user in the Bitcoin network depends on the workload of the Bitcoin network itself.
5.8. The client must pay the application within 20 minutes in order to avoid recounting the application at the current rate or deleting it.

6. Warranties and liability of the Parties

6.1. Bankcomat.org exchanger is not responsible for the consequences of incorrect operation of the resource and for errors made by the Client when filling out the application. The operation is not subject to cancellation, and the money is refundable, even if the Customer indicated incorrect payment details.
6.2. The exchanger is not liable for damage from the inability of the Client to operate the equipment as a whole or its components.
6.3.Bankcomat.org is not responsible for delayed payments due to the actions of financial institutions or electronic payment systems.
6.4. The exchanger is not responsible for losses or non-receipt of income if they arise as a result of erroneous representations by the Client regarding tariffs or profitability of transactions.
6.5. Bankcomat.org is not responsible for financial losses arising from transfer delays.
6.6. The Client confirms that he has legal grounds for disposing of the money used to complete the transaction.
6.7. The client agrees to indemnification to third parties if the reason for its occurrence was the exploitation of the resource.

7. Changes to the terms of the Agreement

7.1. The Exchanger administration has the right to edit this Agreement at any time. The changes become effective after they are published on the Bankcomat.org official website.

8. Force Majeure

8.1. The Parties shall not be liable for non-compliance or improper fulfillment of the terms of the Agreement, if the reason for this was force majeure. They include war, natural disasters, fire, rebellion, the decision of the authorities, a terrorist attack, and mass unrest. In addition, they include a failure in the power grid, lack of access to the global network or to other systems.

9. Terms of exchange

9.1. The administration prohibits the use of the exchanger for fraudulent or other illegal operations.
9.2. The exchange resource Bankcomat.org can transmit information about payments, the illegality of which has been established, to law enforcement agencies, the administration of the payment system, as well as to the victim, at his request.
9.3. The exchange is carried out only upon the withdrawal by the Client of money from his virtual wallet. Moreover, he is personally responsible for the legality of the sources of their income.
9.4. Bank transfer is carried out through the Internet banking service of the payment system selected by the client. If the application was created with the help of a bank operator or using an ATM, the money must be returned no later than 24 hours.
9.5. The exchanger is not responsible for transfers made to the Client by third parties.
9.6. If the Client clicked on the “I agree to the exchange rules” button, he unconditionally accepts the terms of the Agreement.
9.7. Using the service to create numerous applications, in order to benefit from the difference in exchange rates, is strictly prohibited.