Agreement on the use of the Wiki-exchange service
1.1 wiki-exchange - the name of the electronic currency exchange service, is a trademark.
1.2 Service - a site that provides services on the Internet for the sale and purchase of electronic and fiat currencies.
1.3 User - any individual using the services of the "wiki-exchange" service.
1.4 Payment - transfer of electronic and / or other currency from the payer to the recipient.
1.5 Rate - the value ratio of two electronic currencies during their exchange.
1.6 Partner - a person who attracts new users to the wiki-exchange Service, in accordance with the rules of the service.
1.7 Application - information submitted by the User, using the means of the Service, in electronic form, indicating his intention to use the services of the Service on the terms proposed by the Service and specified in the parameters of the application.
1.8 Application number - an individual exchange number on the exchanger. Assigned to each new application and is not repeated. The application number is known only to the user who made the application. At this number, the client can contact technical support to resolve issues related to the application.
1.9 Identity verification is the process of verifying that a person is who they say they are.
1.10 Verification of a card is a verification that the card belongs to its owner. The conditions for checking ownership are established by the Service.
2.1 This agreement (hereinafter referred to as the Agreement) describes the rules and conditions on the basis of which the services of the “wiki-exchange” Service are provided. By starting to use the services of the “wiki-exchange” service, the user agrees that he has read and agrees with all the rules of the Agreement. The current version of the Agreement is located for public access on the website of the service wiki-exchange.com and can be changed by the Service Administration unilaterally without notifying the User.
2.2 In situations where, under the terms of the current legislation of the country in which the User lives or other agreements, the User cannot use the services of the Service, the use of these services by the User is prohibited by these rules and will be recognized as illegal.
2.3 The Service undertakes to ensure the confidentiality of information about the User and his operations on the Service. The Service can provide confidential information about the client only at the request of authorized state bodies, officials or representatives of Payment systems, if there are legal grounds for this.
3.1 The subject of this Agreement is the provision to the User of the wiki-exchange Service of the service for the purchase or sale of electronic and fiat currencies and other services provided on the service.
4.1.1 The wiki-exchange service is not responsible for the consequences of incorrect operation of the service and for the mistakes that the user made during the operation of the service.
4.1.2 In a situation where the exchange is completed and the funds on the application are sent to the details specified by the client, it is not possible to cancel the application and return the funds.
4.1.3 The service is not responsible for losses incurred due to the inoperability of the equipment on the user"s side.
4.1.4 The service is not responsible for financial losses due to transfer delays.
4.1. 5 Service is not responsible for delays on the side of service providers (exchanges, financial institutions, payment systems, banks).
4.1.6 The user confirms that he has legal grounds for disposing of the funds used in the exchange.
4.1.7 The Service is not responsible for blocking user accounts when transferring to the details of the Service or receiving funds to its details from the Service.
4.1.8 The exchange service does not refund the funds spent on paying the commission when transferring to the details of the Service.
4.1.9 If the User clicked on the “Create Application” button, then he agrees with all the clauses of this agreement.
4.1.10 The service does not provide videos, screenshots, photos and other information on translations
4.1.11 The exchange is considered completed after the transfer of funds to the details provided by the user.
4.1.12 In directions to hryvnia and tenge, the exchange service sends in rubles. In this regard, the amount that will be credited to your account in hryvnia or tenge will differ from the amount declared on the site.
4.1.13 Banking operations, according to the regulations of the banks themselves, may take up to five business days. The exchange service is not responsible for delays from the bank.
4.1.14 The exchange service is not responsible for third-party payment systems.
4.1.15 If it is impossible to change the details (card, wallet), the money is returned to the Client after his request.
4.1.16 The exchange service has the right to refund funds in the event of a technical malfunction in the operation of the site, including in the case of incorrect calculation of rates. The exchange service does not compensate the user"s possible losses due to the exchange rate dynamics and returns only the amount that the user sent to the exchange service.
4.1.17 In any case, when a refund is made, a commission of 5% is withheld, except for clause 6.6.5.
4.2 Service undertakes:
4.2.1 Provide the Client with electronic money exchange services in accordance with the rules and regulations of this Agreement.
4.2.2 Provide the Client with the necessary technical and consulting assistance.
4.2.3 Maintain accurate statistics on discounts and referral accruals of Clients.
4.2.4 Take all possible and available actions to prevent attempts of illegal trading, financial fraud and money laundering using the services of the Service.
4.2.5 Keep secret and not disclose information on exchange transactions, as well as personal data of Clients to third parties.
4.3 The user undertakes:
4.3.1 Indicate correct and reliable data on the site.
4.3.2 Comply with the terms of this Agreement.
4.3.3 Do not violate the current legislation of the country in which the client is located, exchanging on the wiki-exchange service.
4.3.4 When registering, indicate your correct e-mail address.
4.3.5 In cases where the data in the application is not correct, contact the service administration by mail with the information that the administration will request. Correspondence must be carried out from the mail indicated in the application.
4.3.6 In case of no receipt of funds and/or partial/incomplete receipt of funds to the client"s details, contact the administration of the Service no later than 30 days from the moment the application was created. Otherwise, funds will not be credited.
4.3.7 Do not use the service and its functionality for illegal purposes, in order to hide income and evade taxation, as well as illegal profit making.
4.3.8 Use your account on the service solely, without providing access to your personal account to third parties.
4.3.9 Transfer to the details of the service independently, without the involvement of third parties. Including it is forbidden to create exchanges on other exchange services indicating the details belonging to the wiki-exchange service.
4.3.10. After the status of the application has been changed to successful, the client is obliged to check the receipt of funds and make sure that the funds have arrived and have arrived in full. Claims on the amount of funds received and on the very fact of receipt of funds are accepted within a maximum of three months from the date of creation of the application, but the terms may be reduced due to the specifics of the exchange service.
4.3.11 The User guarantees that at the time of using the Service he has reached the age of majority, in accordance with the laws of the country where the User is located.
4.4 The user has the right:
4.4.1 Use the services of the service if they do not violate the terms of this agreement.
4.4.2 Receive technical and informational support of the service in matters related to the operation of the wiki-exchange service.
4.5 The Service has the right:
4.5.1 Suspend the service for a technical break, notifying users on the site.
4.5.2 Change/delete/add exchange directions, edit the payment method for each direction.
4.5.3 Online adjust the exchange rate on the site in all directions.
4.5.4 Request documents confirming the client"s right to own the wallet used in the exchange.
4.5.5 Restrict the user"s access to the service in cases where the user violates one or more clauses of this agreement.
4.5.6 Process the client"s request to provide an individual exchange number. According to paragraph 6.4. the client himself is responsible for disseminating information about his application. Thus, the exchange service can consult, correct the details and process the application for providing the application number both in the chat and by mail, regardless of which mail was indicated in the application.
4.5.7 Change/delete/add the list of services provided.
4.5.8 Refuse the user to provide services with an explanation of the reasons.
4.5.9 Request documents confirming that the user made the transfer on his own, without the involvement of third parties.
4.5.10. The exchange service does not process exchanges if the client has not specified a tag or payment id, memo, message for ripple , monero, nem, stellar, eos cryptocurrencies, respectively. We do not provide screenshots / photos, videos of cryptocurrency data wallets. If the funds are not received due to the fact that the tag/payment id/memo/message was not specified, all responsibility lies with the client.
4.5.10 The exchanger will block the application, where the bitcoin wallet with high risk is indicated, as well as the wallet of prohibited sites. It will also block the application if you transferred from prohibited sites or from high-risk wallets. Funds will be blocked for a long time and may not be returned.
4.5.11 Recalculate the order, or return funds to the client in case of high volatility in the exchange direction.
4.5.12 Recalculate the application, or refund the client if the confirmation of your transaction took more than 20 minutes.4.5.13 Recalculate the application, or refund the client without explaining the reasons.
5.1 The user confirms that he provided reliable data during registration. The specified data will be used to inform the client, as well as for communication.
5.2 The default notification method is sending notifications to the e-mail address specified during registration.
5.3 The Service has the right to notify the user of important changes in the operation of the Service, at its discretion, by sending a notification to the email address specified during registration.
5.4 The user can contact the service around the clock, via chat or write a letter to the e-mail address provided in the Contacts section.
5.5. The service processes requests from the client on applications no older than three months. If the client applies for an application older than three months, then this appeal will not be satisfied due to the specifics of the exchange service.
5.6. Passing verification includes not only passing the procedure on the https://wiki-exchange.com/verification page , but also providing information that may be additionally requested by the service. This information may include the provision of a video, a selfie, the provision of other information that will be necessary for the service to identify the user.
6.1 The wiki-exchange service has the right to collect, store and process personal data, as well as other data used by the user when interacting with the services provided by the service.
6.2 The Service has the right to transfer the received data to third parties in order to fulfill this Agreement, as well as in cases where it is required by applicable law, upon request from law enforcement agencies.
6.3 Online wallet addresses from ongoing transactions on the Service are subject to automatic AML verification.
6.4 The client is responsible for disseminating information about exchanges.
6.5. The Service has the right to request verification of the User if the User"s online wallet address specified in the application is associated with the following definitions: Stolen Coins, Scam, Ransom, Mixing Service, Fraudulent Exchange, Darknet Service, Darknet Marketplace, Illegal Service. If a connection is detected, then after the verification by the User, the funds will be returned to the User"s details, but minus a commission of 10%.
The Parties are released from liability for non-fulfillment or improper fulfillment of the terms of the Agreement, in cases where this was caused by force majeure circumstances. Such circumstances include war, natural disasters, fire, decision of the authorities, terrorist attack, riots, failure of the power grid, lack of access to the Internet. Force majeure also includes situations where the processing of an application cannot be fully completed due to incorrect operation of third-party services (PS, banks, exchanges).
Dear user, with the help of our affiliate program, you can earn money with us. By inviting, through your affiliate link, new users to our site. You will receive 15% of the profit received by the exchanger at the request of your referral. For example, if the exchange service made a profit from the exchange in the amount of 10,000 rubles, you will receive 1,500 rubles of referral reward.
The wiki-exchange.com service uses AML and KYC policies, which have a high level of effectiveness in terms of security and combating fraud, money laundering and other illegal activities. These areas are aimed at combating all types of illegal activities that may be carried out on our service. In this way, we significantly reduce the risks for our users. Employees not only minimize the possibility of encountering scammers, but also almost completely eliminate this possibility.
Wiki-Exchange is an online cryptocurrency exchange service that can be used by people from different countries. We embody all the principles of the AML and KYC policy. These areas are currently one of the most promising and effective in the fight against money laundering and the financing of terrorist organizations.
The goals set by our company include the provision of high-quality and safe services for all users. For this reason, we try to find and eliminate all possible risks in advance. Thanks to this, the use of the service becomes the safest, which forms the trust of customers. The positions of the AML and KYC policies are quite effectively applied by companies around the world, especially in international cooperation. For the cryptosphere, the standards used here are the main ones, since only in this way can a trusting relationship of the parties be formed.
Regulations governing the company"s work in the global market and national laws force companies to implement specific measures to ensure risk management. Especially dangerous in the field of cryptocurrencies are the risks of money laundering, sponsoring terrorist organizations, selling drugs or human trafficking. The above documentation is used to quickly take action if signs of illegal user activity are detected.
AML and KYC policies fulfill a large number of important points in the field of maintaining security. Among them:
The presence of a person involved in monitoring ongoing operations
The person who monitors the execution of operations has a number of competencies that are provided to him by the management of the organization. This allows them to quickly carry out all the required actions to eliminate the danger. Employees perform all tasks related to monitoring operations, tracking compliance with AML policy rules. The existing powers provide a high level of efficiency of these actions. The main powers of such an employee include:
An employee of the company who takes part in monitoring the conduct of operations and controls their progress cooperates with government agencies and international organizations that are fighting against illegal money laundering, financing of terrorist organizations and other illegal activities.
Assessment of potential risks for the company and persons involved in the exchange
Based on the previously mentioned working conditions and registrations that are relevant for many international services, the company adopted a scheme that helps to minimize the risk of money laundering through the site. It includes a professional assessment of the risks that may arise in the event of certain user actions. One of the fundamentals is to take into account the proportionality of measures for the prevention and mitigation of negative phenomena, as well as for faster operation and user convenience. Thus, such an approach makes it possible to find and reduce possible risks for customers, as well as for the company itself. This helps to successfully allocate available resources in order to achieve maximum efficiency in work. The nuances of the functioning of the system are arranged in such a way that the distribution of available resources is carried out taking into account priorities. As the risk increases, the amount of allocated resources increases.
Applied schemes should contribute to the effective recognition of the identity of participants in transactions
During the operation of our service, all the conditions indicated in the legislation are fulfilled with the utmost accuracy and detail. It is for this reason that a two-step verification of all users who register in the system is used. We also comply with the requirements of the states in which our client is located. During the first stage, the client"s email address is checked. Passing the verification stages helps to increase the limits on withdrawing money per day. As a rule, the equivalent of up to $10,000 becomes available, regardless of the type and number of cryptocurrencies. The next step is personal identification, when you need to confirm not only the full name, but also the address of residence. After that, a limit equivalent to 100 BTC becomes available. When calculating the equivalent, the current exchange rate is always used.
To implement all the stages that fit into the AML / KYC policy, clients need to receive:
A) Personal identification documents. The list of such documents includes only those that are difficult to forge. As a rule, these are state-issued certificates. They must contain the names, date of birth and photos of the people to whom they were issued. Also, such documents must be with a serial number. Suitable for identification:
One of the rather significant features for identification on international platforms is that documents must be with Latin transliteration.
B) A document indicating the address of the user, where he is located. Here you also have the opportunity to choose a suitable and more convenient option. Among them:
Here you should also take into account the condition for the use of Latin transliteration.
C) Photo of the client with the text of the service and time.
Our company is aimed at performing a number of actions that help verify the veracity of the data provided by users. To solve the tasks set, double check methods are used. All of them are based on current laws. The methods will be used when there are suspicions about the identity of the user, if the administration doubts the veracity of the specified data. During the verification, cooperation may be suspended and transfers frozen.
The company regularly checks the identity of its customers. Most often, the need for re-scanning arises if the user performs suspicious actions. The start of verification may follow even if the client has previously been re-verified. The administration reserves the right to require the re-sending of relevant documents. Based on this, checks will be carried out.
If there are situations when the company does not have the opportunity to verify the accuracy of the information due to the fault of the user (he transmitted the wrong data or in the wrong volume, the photo or scan of the documents is fuzzy), it will be impossible to register on the site. If the client"s activity negatively affects the operation of the site, then cooperation with him will be terminated, and in the future it will be impossible to restore it. One such reason is the use of illegal actions by the user. Some people violate the approved principles of doing business, which also applies to those who are under international sanctions.
In some cases, the client may be denied services due to the place of his residence. There are a number of territories and countries whose residents are on the list of users with whom you should not cooperate in this area. This is usually associated with high risks. It is worth noting that this rule is relevant not only for users who are just registering, but also for those who are already on the site if they have moved.
Our company tries to collect all data related to customers. To do this, an identity check is carried out, work features, translation models and other features are studied, thanks to which it is possible to secure the operation of the service. Data exploration is becoming quite an important tool for assessing existing risks. To effectively solve the established tasks, an extensive list of actions is carried out aimed at monitoring the implementation of the company"s rules. These include collecting information, filtering, reporting, studying suspicious cases, and so on. The main functions of the system:
A) All customers are verified as well as their transactions, communications within the organization are sent out, reports are made, special investigations are carried out if the need arises.
B) All available documents provided by the user are controlled.
When implementing AML and KYC policies, the company has the right to study the information in the documents that customers submit during registration. The ability to track ongoing transfers allows you to:
It should be noted that this list is not complete. Employees of the company, who perform the functions of monitoring the implementation of AML / KYC policy points, control all user transactions. Such tasks are required to be performed in order to be able to quickly freeze suspicious procedures that may be illegal. It also speeds up the transfer of information to law enforcement agencies.