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Terms, conditions and user agreement

The website papa-change.com notifies users of the website that there is a risk of personal financial loss when holding digital financial assets and when dealing with digital assets. The value of digital currencies is highly volatile and there is a risk of losing money when exchanges, holding or investing in digital assets. When working with digital financial assets, there are other risks not stipulated by this User Agreement and the Administration of the website papa-change.com.

General Provisions

This user agreement (hereinafter referred to as the Agreement, the User Agreement) governs the relationship between papa-change.com and Users of the papa-change.com website. By using the papa-change.com website (the Site) and registering an account (the Account) to use the papa-change.com service, you agree that you have read and accepted the terms contained in this Agreement, as well as in the Privacy Policy. If you do not agree to the terms of the User Agreement, use of papa-change.com is not permitted.

1. Compliance with the criteria

1.1 You hereby agree and acknowledge that you are of legal age to accept these Terms, and that you have not been previously suspended or barred from using the Service.

1.2 You are not using the Service on behalf of an entity.

2. terms and definitions

2.1. papa-change.com is a website providing, by means of p2p-payments, the exchange of digital and electronic currencies.

2.2 Service is a system of providing Internet services for exchange of digital and/or electronic currencies.

2.3 User is a natural person using the services of papa-change.com.

2.4 Digital Currency means Bitcoin, Litecoin, Ethereum and other blockchain-based currencies.

2.5 Electronic Currency - funds in the accounts of users of electronic payment systems (Qiwi, Advcash, PerfectMoney, etc.).

2.6. payment system - software and hardware product, developed by the third party, which is a mechanism for implementing the accounting of cash liabilities, as well as the organization of mutual settlements between the registered users.

2.7 "Service" means assistance in making p2p transactions between physical persons in exchanging digital currencies, as well as other services, information about which can be found in the Service window.

2.8 Payment is a transfer of digital currency or fiat currency from the User to the User or to the Service, as well as in the opposite direction.

2.9 Order is the expression of the User's intention to use a Service by filling out an electronic form on the website of the Service, according to the conditions stated in the Agreement, within the parameters of the Order.

2.10. Partner is a person providing the service for attracting Users, the terms and conditions of which are described in this Agreement.

2.11. Card Verification is a verification of the card (or account) ownership by the Cardholder. The Service determines the conditions of verification of the card's ownership.

2.12. Exchange rate is a value ratio of two digital currencies at their exchange.

2.13. "Messages" shall include email messages.

3. Terms of use for your account at papa-change.com

3.1 The papa-change.com website is for personal use only. By registering on the site you consent to the transfer of accurate data about yourself to papa-change.com in accordance with the registration procedure on the Site. You also agree that you will not use any other account and that you will not attempt to gain unauthorized access to other users' accounts.

3.2 We may also carry out additional checks on your information and request from you any necessary documentation and data relating to the exchange (passport, card photograph, card verification video, funds sending slip and other necessary data) for any reason related to your use of the Services and/or as supporting evidence for any information you provide. If the conditions for providing documents are not met, the Service has the right to refuse to provide the Service and to initiate a refund to the sender's details in accordance with the regulations.

3.3 The papa-change.com Service reserves the right to suspend a transaction and withhold funds from the User to prevent fraudulent or other actions that may cause financial or reputational losses for the Service or the User, for the time required to perform financial investigation and obtain the details of the transaction from the payment gateway or the issuing bank.

3.4 You acknowledge that You are responsible for maintaining the confidentiality of Your Account information, including Your password, the protection of Your Digital Currency, and for all activities and transactions posted to Your Account. You understand that any public access to your registration information may expose your Account to unauthorized access by third parties, which may result in the loss or theft of Digital Currency or funds from your Account, including linked accounts, such as linked bank accounts and credit cards.

3.5 Your Account is for your personal use only and not for use or access by any third party. You are solely responsible for all acts or omissions of any third party accessing and/or using your Account.

3.6 You agree that you will not use the Services for criminal activity, money laundering, illegal gambling, terrorist financing. If the Service, in its sole discretion, determines that activity on your Account is suspicious or related to prohibited activities or illegal transactions, the Service may suspend your Account, block any outstanding transactions, reject any subsequent transactions.

4. Services provided on the papa-change.com website

4.1 The services of the papa-change.com Service are ordered by the User by sending the relevant Application via the papa-change.com website.

4.2 By using the Service, the User confirms that he or she is a legal owner and manager of the fiat currency and electronic and/or digital currency involved in the respective Payment.

4.3   The papa-change.com Service provides the ability to exchangein real time electronic and/or digital currency exchange. 

4.4 By making an Order the User commissions, and the Service, on its behalf and at the User's expense, exchanges and transfers the digital and/or digital or fiat currency to another User.

4.5 Within the timeframe (depending on the direction of the exchange) from the moment the funds are received from the User in the amount specified in the corresponding Order, the Service is obliged to transfer the received electronic or fiat currency to the bank details in the amount specified by the User in the Order, unless force majeure circumstances prevent this.

4.6 The Service reserves the right to cancel a User's application for exchange digital currency and/or electronic or fiat currency if the payment has not reached the account of the Service within 20 (twenty) minutes from the moment the application has been submitted.

4.7 The Service's obligation to send (transfer) the received digital and/or electronic or fiat currency to the User is considered fulfilled at the moment the digital and/or electronic or fiat currency is debited from the respective Payment System account of the Service, which is recorded in the transaction history of the respective Payment System.

4.8. papa-change.com will use reasonable endeavors to provide access to the services and the papa-change.com website in accordance with this Agreement. However, papa-change.com may suspend use of the Site for maintenance purposes and will use reasonable efforts to notify you in advance. You hereby agree that you assume the risks associated with the fact that you may not always be able to use the services and website of papa-change.com or perform urgent transactions using your account.

4.9. In exchange requests in which the Initial currency is cryptocurrency, the Service guarantees the rate fixing after the first confirmation of the transaction on the network. Until confirmation is received, the order can be recalculated according to the exchange rate, if it changes by more than 0.5%. If the payment is not received within 20 minutes, the Order will be automatically canceled.

In applications for an exchange, in which the Received currency is any cryptocurrency: every 5 minutes, your exchange rate is revised. Our exchange office fixes the exchange rate in the application when the exchange rate changes by no more than 0.5%.

In exchange requests, in which the initial currency is cash, the rate will be recalculated by the system every 5 minutes, until the actual receipt of funds by the partner of the Service.

4.10. If funds from the User arrive after the application is canceled (later than the regulated time), the exchange rate for such an application will be recalculated according to the exchange rate at the time of receipt of payment. (deviation of the course is possible within the framework of the course parser within 1-2 minutes)

4.11. Requests for acceptance of any cryptocurrency paid in violation of the Regulations will be processed automatically as follows

⁃ if the User ordered an application within 20 minutes, but the amount of payment is less or more, the exchange rate for such an application will be recalculated according to the exchange rate at the time of receipt of payment. (deviation of the course is possible within the framework of the course parser within 1-2 minutes)

4.12. If the User has paid the application, but due to circumstances wishes to cancel the exchange, before the execution of the application, the refund is made after deducting 3% of the payment amount, the commission within the payment system network and the rate difference (if the rate has changed by more than 3%). No financial claims will be accepted after the request has been executed.

4.13. If the User's card is blacklisted by the Security Service of the payment system and the account is blocked when trying to transfer to it, papa-change.com reserves the right not to refund the User.

4.14. The order is paid exclusively through the payment form on our website (merchant), which is available after clicking on the "confirm" button. Unauthorized payment using the details is not allowed. Otherwise, the application may be canceled.

4.15. The service has the right to fulfill the terms of the affiliate program in relation to cash.

4.16. In accordance with the Qiwi Offer, any payment made through this payment system may be suspended for additional verification by the Qiwi Banking Security Service for up to 48 hours. Following a decision by Qiwi Security, the funds will either be transferred to the beneficiary or returned to the sender. If the client's transfer is verified by Qiwi SB, after the transfer has passed the verification process and reached us, the application is automatically restored and the Service reserves the right to recalculate the application at the current exchange rate.

4.17. The procedure of crediting of funds to Visa, MasterCard, MIR cards is from several seconds to 5 working days. In practice, 99% of transfers are credited instantly. It is also possible to pay by several transactions.

4.18. The service uses a technically complex software product and admits the possibility of a technical failure. The service reserves the right in such cases to refuse the user to fulfill the terms of the contract, with a subsequent refund to the user's details in full.

4.19. If the amount of the cryptocurrency sent by the User is less than 0.001 in equivalent (Bitcoin, Ethereum, etc), the Service reserves the right not to refund it.

4.20. The Perfect Money payment system can stop the transfer for checking for 4 to 24 hours, after the funds have been credited to our account, the application is automatically restored and the Service reserves the right to recalculate the application at the current exchange rate.

4.21. Transactions are checked by Amlbot service, if the risk percentage is more than 50% and coins are sent from Dark/Hydra-market, fraudulent, stolen, etc. are frozen for up to 6 months. The exchange service also has the right to demand proof of identity and selfies from the customer. Only after investigation is considered for a refund, less the transfer fee.

5. Warranties and liability of the parties

5.1 The papa-change.com service is financially responsible to the User in the amount of the electronic asset or electronic money that has been transferred to the papa-change.com Service for the execution of the Order.

5.2 The papa-change.com Service provides services for the exchange of electronic assets or electronic money.

5.3 Service papa-change.com not responsible to the User for financial losses caused by illegal actions of third parties, which cannot be predicted or prevented.

5.4 The user is responsible for the accuracy and completeness of the information and data provided during registration. In case the User has entered incorrect personal data or provided incorrect data for the execution of the Order, papa-change.com Service is not responsible for any losses of the User resulting from such an error.

5.5 A letter (Email) is sent to the User with the confirmation of the date, time, details, exchange rate and the amount of the exchange before the execution of the order to verify the correctness of the data specified. After confirmation and payment of the request by the user, the service automatically executes the request at the exchange rate stated in the Email. Incorrectly entered email address is subject to clause 5.4.

5.6 Change of any data in the application is possible only by request from the mail (Email) specified at its creation.

5.7 Service papa-change.com is not responsible for any delayed or unrealized applications caused by another Payment system or bank error, indicated by the user in the application. The user agrees that in such a case, all claims will be forwarded to the Payment System or bank. The papa-change.com service will provide the necessary assistance to submit a complaint or claim to another partner or bank.

5.8 In case of any tampering of communication flows or any adverse effect on the normal functioning of the software code of the Service, which is directly or indirectly related to the User's Order, the Service shall suspend the Order and recalculate the Order parameters according to the current conditions or, in case the User does not agree with the recalculation, return the electronic asset or the funds to the payer's account.

5.9 The papa-change.com Service is not responsible for partial or complete failure to comply with these Terms of Use, if such failure was caused by force majeure circumstances that cannot be prevented by reasonable measures.

5.10 The papa-change.com service does not provide fundraising, payment for goods or services of other providers.

5.11 The operator has the right to request additional information from the user (for example, to verify age, provide documents or otherwise undergo verification)

5.12 If after the verification of the bank card the User has transferred the funds from another card (account) or used the services of third parties to avoid the direct transfer, the Service reserves the unquestionable right to

- unilaterally terminate the agreement with the user,

- refund of received funds to their source,

- deduct 20% of the received amount as compensation for the Service's work effort.

5.13. The papa-change.com Service reserves the right to refuse the exchange of electronic currency if the transfer of the electronic asset to the Service's account has not been made through the user interface of the Service. The currency transferred to the respective accounts of the Service by the User without having requested it through the user interfaces of the Service website may be returned to the User on request, with the payment system commission deducted.

5.14. Information about the User, personal account and transaction data is stored on the server and cannot be deleted.

5.15. The time of response from the Service papa-change.com to the User's request may be up to five working days from the moment of receiving the User's request.

5.16. The Service is not a tax agent for the User and will not notify the User about their taxes. The User agrees to pay all taxes required by the tax laws of their home country.

5.17 In case the Service is required to pay taxes or settle debts, which may arise due to the User's failure to pay taxes, the User agrees to reimburse the Service for any such payments.

6. Force majeure

6.1 If in the event of force majeure you or papa-change.com are delayed in or fail to comply with any of these Terms and Conditions, such delay or failure to comply will not be deemed a breach of these Terms and Conditions and neither you nor papa-change.com can claim any loss or damage arising from such circumstances.

7. Final Terms

7.1 The Terms and Conditions are agreed to electronically with the User at the time of registration. An agreement to the Terms and Conditions published electronically is valid and identical to a written agreement.

7.2 The papa-change.com service is entitled to unilaterally amend the Agreement by publishing the changes on the Service's website. Changes come into force from the date of publication, unless a different effective date is additionally specified when the changes are published. The User has the right to terminate their contractual relationship with the Service papa-change.com due to their disagreement with the modification of such terms. The User must notify the papa-change.com Service of their disagreement with the change of the Terms and the termination of the contractual relationship by sending the corresponding email to [email protected]

7.3 The papa-change.com service has the right to send information about the status of the exchange process, as well as other information, including advertising, to the e-mail specified by the User. The User can unsubscribe from such promotional emails by clicking on the appropriate button in the email received.

7.4. The information posted on the website, including all graphics, text information, program codes, etc. is the property of papa-change.com and is protected by copyright laws.

7.5 The administration of the Service has the absolute right to refuse to provide services to any User if the rules of the Service are violated.

7.6 The User confirms that he has read all the provisions of these Terms and completely accepts them.

Service Comments

feel very happy excellent service gud rate

2021-11-25hubszkir1

very fast and clear !

2021-11-21lilin

many tks good job

2021-11-20dang75331

best exchange and very fast ,Thanks

2021-11-18DigitalSense

I never knew I could get an exchange like this online until I got your information from Perfect Money website. You have made my day a great one. Continue the good works. Very fast and reliable. Thanks so much,

2021-11-18devopes481

thanks, all receive fast, very good service

2021-11-15lambee

LTC to PM was successfull; ty papa :)

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