Rules of service

This agreement is concluded between the Service Provider - LuckyChange, which performs operations with financial assets, and the Customer - an individual, who accepts the terms and conditions of the service.

Exchange of Financial Assets - a service provided by the Executor within the framework of this agreement.

Service Provider - LuckyChange exchange service

Customer - a person who has accepted the terms and conditions of the service.

Financial Asset - an electronic or fiat means of payment involved in the exchange.

Application - a formal request for a transaction confirming agreement to the terms and conditions.

KYC & AML - procedures for client verification and prevention of illegal transactions.

AML/KYC policy - a system of measures to identify customers, monitor transactions and prevent financial crime in accordance with the law.

Rate - the cost of conversion between different financial assets.

Commission rate - a tariff against committing fraud and turnover of high-risk assets. Refunds may be subject to an additional fee (up to 5%).

3.1. The Agreement shall come into force from the moment the Customer submits an application.

3.2. The Agreement shall be deemed valid after full crediting of funds to the Contractor's accounts.

3.3. The term of validity is from the moment of creation of the application until its completion or cancelation.

3.4. The Customer confirms agreement with the terms and conditions within 24 hours after the order is created.

3.5. The Contractor shall be guided by AML/KYC principles. Full requirements for checks and possible restrictions are set out in LuckyChange AML/KYC policy.

3.6. The Service Provider reserves the right to require KYC verification. Failure to do so may result in suspension of operations.

3.7. Entering into the agreement, the Customer agrees to the AML/KYC policy of the Service Provider.

4.1. The Service Provider undertakes to exchange financial assets for the established remuneration, transfer funds exclusively to the details specified by the Customer and leave the difference in the exchange rate as compensation for services.

4.2. Payments of funds to third parties are prohibited. In case of violation, the Customer is liable for possible losses.

4.3. The Customer guarantees that the provided details are in his full possession.

5.1. The Service Provideris not responsible for delays, technical failures in the operation of payment systems or service, which occurred through no fault of the Executor, as well as for illegal actions of third parties.

5.2. The Service Provideris not responsible for errors in the details specified by the Customer.

5.2. The Customer is fully responsible for the authenticity of the provided data.

6.1. The exchange is considered completed after the Executor transfers the funds to the details specified by the Customer.

6.2. The Service Provider recalculates the actual amount in case of a difference of up to 10%, in case of a difference of more than 10% - the Executor has the right to refuse the transaction with the return of funds to the Customer.

6.3. The requisites for payment are valid only during the established term.

6.4. The Customer is obliged to pay the order within the time specified in the order strictly to the details specified in the order. After successful payment, the Customer must notify the Executor about successful payment of the order and provide the Service Provider with a receipt in PDF-format (for fiat transfers).

6.5. The Service Provider is not responsible for the funds in case the Customer within the time specified in the application: did not transfer the funds to the Executor's details or transferred them to the details different from the Service Provider details, did not notify the Service Provider about the successful payment of the application and did not provide the receipt of transfer in PDF-format.

6.6. The Service Provider is not liable for damages and consequences in case of erroneous transfer of electronic currency if the Customer has specified incorrect details when submitting the application.

6.7. The Service Provider is not responsible for delays in the work of payment systems, banks, etc.

6.8. The Service Provider has the right to freeze an application in case of an attempt to interfere with the work of the service

6.9. The Service Provider has the right to carry out verification of funds origin (AML/KYC).

6.11. The Service Provider has the right to selectively request verification of the identity and/or payment instrument (bank card) of the Customer in any form at the Service Provider's discretion, without mandatory explanation of the reasons. Refusal to provide the requested data may be grounds for suspension or cancellation of the transaction.

6.10. The Customer confirms the legality of possession of the funds involved in the exchange

7.1. The Service Provider reserves the right to refuse to carry out the operation without explaining the reasons.

7.2. The Service Provider is not responsible for the funds sent by the Customer without a request, as well as funds sent to blocked, irrelevant wallets and accounts. Such funds are not subject to refund.

7.3. The required number of network confirmations for full crediting of funds is indicated in the application and on a separate page.

7.4. The standard time of processing the request is up to 180 minutes (in some cases - up to 3 working days) from the moment of full crediting of funds.

7.5. In case of delay in payment for more than 72 hours from the moment of full crediting of funds to the Service Provider details, the Customer has the right to demand termination of the transaction and refund of funds. The exception are cases when the delay is caused by force majeure, circumstances arising through no fault of the Service Provider or if the payment was partially executed.

7.6. The rate is fixed at the time of creating the application and is valid for the entire period allotted for its payment, unless otherwise specified on the payment page. If the funds are sent after the expiration of the period allotted for payment of the application, the application is subject to recalculation at the current rate at the time of receipt of payment.

7.6.1. If the payment page explicitly states that the rate is fixed at the moment a certain number of network confirmations are received, then if the market rate changes by more than 0.1% at the time this condition is met, the order may be recalculated at the current rate.

7.6.2. Recalculation of orders is carried out only in the direction of the exchange rate decline.

7.7. The Service Provider does not accept the funds sent by smart contract and is not responsible for their loss.

7.8. The Service Provider is entitled to make payment in several installments from different accounts in order to avoid blocking.

8.1 The Service Provider has the right to conduct additional checks and request any necessary documentation for any reason related to the Customer’s use of services, as supporting evidence.

8.2 The exchange service has the right to require the Customer to provide a video in the following format with all the following conditions met:

8.2.1 The Customer in the video is required to perform the following actions:

• Open Google Play/AppStore, find the banking app or other payment app, go to it. In case the Customer logs into his payment account via a website, the link to the website should be displayed throughout the video. Show the entire process of logging into the bank account (password can be hidden if desired), details and transactions on the account from the date of transfer to the current day. The video should show the account whose details are directly specified in the application by the Customer.

8.2.2 Video Requirements

• The video must be recorded on another phone/device.
• It is prohibited to edit the video.
• Screen recordings will not be accepted.
• Video must have a bright moving background, videos with dark or static backgrounds will not be accepted.

8.3 The Service Provider provides customer support through online chat on the website, via email and Telegram.

9.1 Basic provisions

9.1.1 The Service Provider collects, stores and processes personal data of the Customers solely for the purpose of fulfillment of the Exchange Agreement terms and conditions, compliance with AML/KYC and anti-fraud requirements, ensuring security of operations and fulfillment of obligations to state authorities.

9.1.2 Processing of personal data shall be carried out in accordance with applicable laws, including laws on personal data protection and anti-money laundering.

9.2 Data to be stored and processed

9.2.1 The Service Provider may request and store

• Identification data (full name, date of birth, passport data, selfies with document)
• Contact data (e-mail, phone number, messenger accounts)
• Financial data (wallet details, bank card details, transactions)
• Technical data (IP address, device data, transaction history)

9.3 The Service Provider applies technical and organizational protection measures: encryption of data during transmission and storage, limited access to personal data and regular security checks.

9.4 Personal data is used for user identification and fraud prevention, execution of exchange transactions, compliance with regulatory requirements (tax, financial, law enforcement authorities) and investigation of suspicious transactions.

9.5 The Service Provider does not transfer personal data to third parties, except for cases of data request from law enforcement authorities (within the framework of the current legislation), requirements of payment systems or banks (for investigation of transactions), court decision or official request of state authorities.

9.6 Personal data is stored: minimum 5 years - in accordance with AML requirements or indefinitely - if the data is required for investigation or legal proceedings.

9.7 The Customer has the right to request access to his/her personal data, request correction of inaccurate data, withdraw consent to processing, however, this may result in refusal to provide services if the data is necessary for AML/KYC. Requests will be dealt with within 10 working days.

9.8 The Service Provider reserves the right to make changes to the policy with notification to users via the official website.

10.1. Dispute resolution and customer support is provided through official support channels: online chat, e-mail and Telegram.

10.2. Copying of the site materials without permission is prohibited.

10.3. The terms and conditions may be changed with prior notice to users.