TERMS AND CONDITIONS OF THE EXCHANGE SERVICE WM.Money

1. Parties to the Agreement

This Agreement is concluded between the online exchange service, hereinafter referred to as the Service Provider, and the individual or entity using the Service, hereinafter referred to as the Customer.

2. List of Terms

2.1. Exchange of title units — an automated service product provided by the Service Provider in accordance with these Terms.
2.2. Customer — a natural person who agrees to the rules and conditions of this Agreement.
2.3. Title unit — a conventional unit of an electronic payment system representing electronic monetary rights as defined by that system’s agreement.
2.4. Order (Application) — information submitted by the Customer to initiate an exchange operation, confirming acceptance of the Service’s terms.

3. Terms of the Agreement

These Terms constitute a public offer. Acceptance of the offer occurs at the moment the Customer completes the creation of an Order.
The timestamp and parameters of each Order are generated automatically.
The offer remains valid for 24 hours after the Order is created.
The Agreement enters into force when the Service Provider receives the Customer’s funds. It remains valid until terminated by either party.

4. Subject of the Agreement

The Service Provider undertakes to perform an exchange of title units for a commission fee.
The operation is executed by reselling title units to third parties at a rate not lower than specified in the Order.
The funds received are transferred to the Customer’s account details.
Any profit from the transaction remains with the Service Provider as compensation.

5. Additional Terms

5.1. If the amount received differs from that specified in the Order, the Service Provider recalculates the transaction. Overpayments exceeding 10% result in contract termination and refund (minus network and system fees).
5.2. If the Service Provider fails to complete the transfer within 24 hours, the Customer may request cancellation and refund.
5.3. If payment from the Customer is not received within the time limit — the Order is cancelled.
5.4. The Service Provider is not liable for delays caused by payment systems or third-party services.
5.5. Any suspected fraud, system interference, or fake transaction will lead to suspension or recalculation.
5.6. Liability of both parties is limited to the scope of this Agreement.
5.7. The Customer agrees to comply with the law and refrain from interfering with Service operations.
5.8. The Service Provider is not responsible for transactions sent to incorrect or invalid account details.
5.9. (Duplicate of 5.8.) Same rule applies for incorrect payment details.
5.10. Providing false information, forged documents, or claiming third-party payments as your own is prohibited. Violations lead to inclusion in the blacklist.
5.11. The Customer must provide accurate information and use only personal accounts. Transfers to third parties are prohibited. In case of violation, funds may be frozen for up to 90 days.
5.12. The Service Provider may require identity verification (ID, card, or account ownership). Refusal to verify applies clause 5.10.
5.13. Manual correction of incorrect details by the operator is subject to a fee (up to $5 USD).
5.14. Refunds requested by the Customer are processed with a 5% service fee, plus network and handling charges (up to $5 USD).
5.15. The Customer guarantees ownership of all provided payment accounts. Violation may result in freezing funds for up to 40 days.
5.16. If manual correction is required due to user error, the Service Provider may charge up to $5 USD.
5.17. Transactions involving illegal or high-risk resources (e.g., darknet marketplaces) are prohibited. Violations may result in refund with 30% deduction and blacklisting.
5.18. If received cryptocurrency has a high-risk rating, the Service may require full AML verification. Refunds — minus 30% of the amount.
5.19. If the Customer owes money to affiliated services, the Service may suspend transactions until the debt is cleared.

6. Warranty Period

The Service provides a 24-hour warranty on all exchange transactions unless otherwise stated.

7. Force Majeure

In case of unforeseen circumstances (force majeure), all obligations are postponed until such circumstances are resolved.
The Service is not liable for delays caused by such events.

8. Form of Agreement

This electronic Agreement is legally equivalent to a written contract.

9. Operations with Cards from the UK, Germany, USA, Russia, and Belarus

9.1. Transfers to cards issued in the UK or Germany may be delayed indefinitely until full verification is completed.
9.2. Transfers to accounts in Russia (RF), Belarus (BY), and the USA are not supported.

10. Claims and Disputes

Claims are accepted only via official email addresses specified on the Service’s website.

11. Exchange Operations

11.1. The Service must not be used for illegal transactions, money laundering, or fraud.
11.2. In case of technical failure, manual processing may occur within 24 hours.
11.3. The Service Provider may share transaction data with law enforcement or payment systems when required.
11.4. The Customer agrees to provide identity documents if suspicious activity is detected.
11.5. The Customer must not attempt to interfere with the Service and must provide truthful information.

12. Disclaimer of Obligations

The Service Provider reserves the right to refuse service or terminate cooperation at any time without providing an explanation.

13. Cryptocurrency Transactions

All cryptocurrency transactions are irreversible.
If payment is not received within one (1) hour, the exchange rate may be recalculated.

AML (Anti-Money Laundering) Policy

13.1. The Service may suspend transactions with a risk level above 65%.
High-risk sources include (but are not limited to):

• Dark Service / Dark Market — up to 25%

• Mixer / Gambling — up to 25%

• Fraudulent / Scam / Stolen / Ransom — up to 2.5%

13.2. When blocked, extended verification may be required — including ID documents, selfies, transaction confirmations, and proof of source of funds.
13.3. The Service does not provide risk assessment consultations for future transactions.
13.4. Refusal to verify identity may lead to a refund with a 10–30% deduction.
13.5. If funds are blocked on an exchange and verification is denied, the Customer forfeits all rights to those funds.
13.6. If funds are frozen by a court order, they may be returned by the exchange minus 10–30%.
13.7. Upon request from law enforcement, blocked funds may be transferred to authorities and will not be refunded.
13.8. All Customer data and transactions are confidential. However, if illegal activity is detected, data may be shared with authorities.

Responsibility Notice

The services provided are independent and not affiliated with any electronic payment system, including WebMoney Transfer.
Our certification only confirms identity and contact information and does not imply endorsement by WebMoney.