Anti-Money Laundering (AML) Policy
Core Principles
- This Anti-Money Laundering and Counter-Terrorist Financing (AML) Policy is developed based on international norms and legislative requirements.
- The primary objective of the policy is to prevent the platform from being used for illegal transactions.
- The platform interacts with the following exchanges: Binance, HTX, Bybit.
User Identification and Verification Procedure (KYC)
- Transaction suspension necessitates mandatory KYC completion.
- Requested information: Full Name, Date of Birth, Passport Scan, Selfie with document.
- The platform reserves the right to request additional information.
Transaction Monitoring
- Every operation is subject to analysis for suspicious activity.
- Indicators of suspicious operations: large transfers, high transaction frequency, use of anonymous crypto wallets.
- In case of suspicion of illegal activity, the platform temporarily blocks the transaction.
Refusal of Services
- Refusal of service is possible in cases of involvement in unlawful actions.
- Serving users under sanctions is prohibited.
Legislative Compliance
- The platform operates in accordance with applicable laws and AML regulations.
- In case of violations, the platform cooperates with government authorities.
Data Security
- The confidentiality of all user data is guaranteed.
- Measures are taken to protect information from unauthorized access.
Policy Update and Review
- This policy may be updated upon changes in legislation or the platform’s internal policy.
User Responsibilities
- Users are responsible for using the service solely for lawful purposes.
- Violation of this condition may lead to account blocking and the transfer of information to law enforcement agencies.
Check the AML
RULES
This Agreement governs the terms and conditions under which the Alwayschange24 service provides its services.
- Parties to the Agreement:
This Agreement is concluded between Alwayschange24 (the Service Provider) and the service user (the Customer). Use of the service constitutes acceptance of these terms. - Definitions:
2.1. Title Tokens Exchange – an automated service provided by the Provider under the terms of this Agreement.
2.2. Customer – an individual who agrees to the Provider’s terms and this Agreement.
2.3. Title Token – a unit of account corresponding to a specific electronic payment system, representing the rights and obligations defined by the electronic payment system’s agreement with its Customer.
2.4. Request – information submitted by the Customer to initiate the use of the Provider’s funds electronically, confirming acceptance of the service terms offered by the Provider. - Terms of the Agreement:
These rules are considered an offer made publicly and become effective upon submission of the Customer’s Request, forming an integral part of this Agreement. The time, date, and parameters of the Request are automatically generated by the Provider at the moment the Request is finalized. The Customer must accept the offer within 24 hours of Request finalization.
The service agreement becomes effective upon full receipt of the Title Tokens specified in the Request, transferred by the Customer to the Provider’s designated payment details.
Transactions involving Title Tokens are processed in accordance with the rules, regulations, and formats of the respective electronic payment systems.
The Agreement remains valid from the moment the Request is submitted until terminated by either party. - Rights and Obligations of the Parties:
4.1. Alwayschange24 undertakes to:
4.1.1. Provide the Customer with electronic currency exchange services in accordance with the rules and regulations of this Agreement.
4.1.2. Provide the Customer with necessary technical and advisory support related to the use and provision of Alwayschange24 services.
4.1.3. Store all information regarding the Customer’s exchange operations (addresses, amounts, timestamps, identification data, etc.) and provide it upon the Customer’s first request, except for transactions involving anonymous payment systems.
4.1.4. Maintain confidentiality and refrain from disclosing any information regarding exchange operations or the Customer’s personal data to third parties, except in the following cases: upon a lawful court decision issued in the jurisdiction where Alwayschange24 is located; or upon a lawful request by competent authorities in the jurisdiction where Alwayschange24 is located.
4.1.5. Transfer the Customer’s due funds to the specified payment details no later than 24 hours after the Customer files a complaint regarding non-receipt of funds following an exchange.
4.2. The Customer undertakes to:
4.2.1. Provide accurate and reliable payment details for themselves and any third parties.
4.2.2. Provide a valid, accurate, and functional email address.
4.2.3. Ensure the proper functioning of their email account and computer system, including the use of up-to-date antivirus software.
4.2.4. Comply with all provisions of this Agreement.
4.2.5. Notify Alwayschange24 administration of partial or complete non-receipt of funds to the Customer’s specified payment details within 30 days of the transaction; otherwise, such funds shall become the property of Alwayschange24 administration.
4.2.6. Not violate applicable laws of the country in which the Customer resides while conducting exchange operations via Alwayschange24.
4.2.7. Not conduct exchanges on behalf of third parties.
4.3. Alwayschange24 administration reserves the right to:
4.3.1. Suspend the service for technical upgrades or correction of functional errors.
4.3.2. Temporarily suspend any ongoing exchange (transaction) upon receipt of a lawful request from competent authorities, payment system administrators, or users reporting fraud, pending investigation.
4.3.3. Set and modify discount rates for electronic currency exchanges at its sole discretion.
4.3.4. Set and modify commission fees charged to customers for electronic currency exchanges at its sole discretion.
4.3.5. Refuse service to any user without explanation.
4.3.6. Require users to verify their identity using: email confirmation, scanned copies or photographs of identification documents, and, if necessary, screenshots of digital wallets, photos, video verification, or other means.
4.3.7. Terminate communication or negotiations with a user who behaves rudely, insults staff, asks questions unrelated to Alwayschange24 support, or fails to respond to support inquiries.
- Services Provided:
5.1. Alwayschange24 does not verify the legality or legitimacy of the Customer’s ownership of cryptocurrency offered for exchange. - Exchange Procedure:
6.1. An exchange is considered complete when Alwayschange24 transfers the agreed amount to the payment details specified by the Customer.
6.2. If the amount received by the Provider differs from that specified in the Request, the Provider will recalculate based on the actual amount received. If the received amount exceeds the requested amount by more than 10%, the Provider may unilaterally terminate the Agreement and return all funds to the Customer’s payment details, deducting applicable transfer fees.
6.3. If Title Tokens are not transferred to the Customer’s specified payment details within 24 hours, the Customer has the full right to terminate the Agreement and cancel the Request, resulting in a full refund of Title Tokens to their original account. The cancellation and refund request will be processed by the Provider only if funds have not yet been transferred to the Customer’s details. Upon contract termination, electronic currency refunds will be issued within 24 hours of receiving the termination request. The Provider is not liable for delays in refund caused by factors beyond its control.
6.4. If payment from the Customer is not received within 30 minutes of Request creation (unless otherwise specified), Alwayschange24 may delete the Request without prior notice. If payment arrives after the deadline, the Customer may contact support to resolve the issue.
6.5. If delays in fund transfers to the Customer’s specified details occur due to the payment system’s fault, the Provider assumes no liability for resulting damages. In such cases, the Customer agrees to direct all claims against the payment system, while the Provider will assist to the extent permitted by law.
6.6. If communication streams are tampered with or malicious interference is detected to disrupt the Provider’s operations—particularly its software—the Request will be suspended, and transferred funds will be recalculated according to this Agreement. If the Customer disagrees with the recalculated amount, they may terminate the Agreement and have Title Tokens returned to their specified details.
6.7. By using the Provider’s services, the Customer fully accepts that the Provider’s liability is limited to the scope of these rules regarding received Title Tokens and that no additional warranties or liabilities are provided. Accordingly, the Customer bears no additional liability toward the Provider.
6.8. The Customer must comply with applicable laws and must not tamper with communication streams or obstruct the normal operation of the Provider’s software.
6.9. The Provider assumes no liability for losses arising from incorrect payment details provided by the Customer during Request submission.
6.10. The Service is not a party to any agreement between the Payment System and its Client and bears no responsibility for actions of the Payment System or its Client. Rights and obligations of the Payment System and its Client are governed solely by the respective Payment System’s terms of service.
6.11. The Service does not verify the legality or legitimacy of the Customer’s ownership of electronic currencies or funds involved in any transaction.
6.12. By using the Service, the Customer confirms lawful ownership and authority to dispose of the funds and electronic currencies involved in the transaction. - Warranty Period:
7.1. The Provider guarantees its services for 24 hours following completion of the Title Token exchange, unless otherwise specified. - Force Majeure:
8.1. If unforeseen circumstances prevent the Provider from fulfilling contractual obligations, the performance timeline will be extended by the duration of the force majeure event. The Provider bears no responsibility for delays caused by such events.
8.2. The Service is not liable for malfunctions, errors, or failures in software and/or hardware systems supporting Alwayschange24 services, if caused by factors outside the Service’s control, or for any resulting Customer losses.
8.3. The Service is not liable for Customer losses resulting from unlawful acts by third parties.
8.4. The Customer assumes full responsibility for the accuracy of information provided in the Request. If the Customer provides incorrect or incomplete information, Alwayschange24 bears no liability for resulting losses. - Form of Agreement:
9.1. This Agreement is accepted by both parties—Provider and Customer—as a legally binding document equivalent to a written contract. - Bank Card Transactions:
10.1. Exchanges on this service are supported for Russian payment cards: Mir, Visa, MasterCard, and Maestro. Online payment password protection (3-D Secure) must be enabled (confirm with your bank).
10.2. Fund crediting to Visa, MasterCard, and Mir cards takes from several minutes to up to 3 business days. Exchange operations may be executed in multiple transactions or within mutually agreed-upon timeframes. - Claims and Disputes:
11.1. Claims under this Agreement must be submitted to the Provider in the form of an email detailing the nature of the claim, sent to the Provider’s official contact details listed on the website. - Mandatory Conditions for Exchange Operations:
12.1. It is strictly prohibited to use the Provider’s services for illegal transfers or fraudulent activities. By entering this Agreement, the Customer consents that any attempt to exchange funds of dubious origin will be subject to legal prosecution under the laws of the Customer’s country of residence.
12.2. Alwayschange24 administration reserves the right to disclose information about such transactions to competent authorities, payment system administrators, and fraud victims upon request, if illegal activity is confirmed.
12.3. If a Request cannot be processed automatically due to circumstances beyond the Provider’s control (e.g., connectivity issues, insufficient funds, or incorrect Customer data), funds will be credited to the Provider’s account within 24 hours or returned to the Customer’s details, minus applicable fees.
12.4. The Customer must provide all identity verification documents upon suspicion of fraud or money laundering.
12.5. The Provider may suspend the first exchange request by a Customer for up to 24 hours.
12.6. The Customer must not interfere with the Provider’s operations or damage its software/hardware and must provide accurate information to ensure full compliance with contractual obligations.
12.7. By clicking the “EXCHANGE” button and submitting a Request, the Customer accepts all terms of this Agreement.
12.8. Exchanges or transfers to third parties are strictly prohibited. - Refund Policy:
13.1. Alwayschange24 may process a refund of electronic currency only if the exchange has not been completed.
13.2. Refunds are made exclusively to the Customer’s original funding account.
13.3. If the Customer fails to provide requested documents under Section 3.3.6, refunds may only be issued to the original payment account after 30 calendar days from the transaction date.
13.4. Refund fees for any electronic currency consist of two components: the payment system’s fee + a 5% Alwayschange24 service charge. - Amendments:
14.1. This Agreement may be amended or supplemented by Alwayschange24 administration. Amendments take effect immediately upon publication on the Alwayschange24 website. - Right to Refuse Service:
15.1. The Provider reserves the right to refuse to enter into or fulfill any Agreement without providing a reason. This provision applies to all customers.
This translation aims for clarity and accuracy, maintaining the formal tone appropriate for a policy document.