Site rules

1. Parties to the Agreement.

The Agreement is concluded between the online service for the exchange of tokens: https://rubycash.org/, hereinafter referred to as the Contractor, – on the one hand, and the Customer, represented by the person who used the services of the Contractor, – on the other hand.

2. List of Terms.

2.1. Exchange of tokens – an automated product of an internet service provided by the Contractor based on these rules.
2.2. Customer – an individual agreeing to the terms of the Contractor and this agreement, to which it adheres.

2.3. Token – a conditional unit of a payment systеm that corresponds to the calculations of electronic systems and denotes the volume of rights corresponding to the contract of the electronic payment systеm and its Customer.

2.4. Digital asset – a type of token on this service that requires processing of the transaction on the blockchain platform.

2.5. Application – information submitted by the Customer for the use of the Contractor’s funds in electronic form and indicating that the Customer accepts the terms of service offered by the Contractor in this application.

3. Terms of Agreement.

These rules are considered organized by the terms of a public offer, which is formed when the Customer submits an application and is one of the main components of this agreement. A public offer is the information displayed by the contractor about the conditions for submitting an application. The main component of the public offer is the actions taken by the Customer at the end of submitting the application, indicating his exact intention to conclude a transaction on the terms offered by the Contractor before completing this application. The time, date, and parameters of the application are automatically generated by the Contractor upon completion of the formation of this application. The offer must be accepted by the Customer within 24 hours from the end of the application formation. The service agreement comes into force from the moment the tokens are received in full, as specified in the application, from the Customer to the Contractor’s details. Operations with tokens are recorded according to the rules, regulations, and format of electronic payment systems. The agreement is valid for the period from the submission of the application to termination at the initiative of one of the parties. Any completed transaction for the exchange of tokens, as well as any other transaction offered by the Contractor to the Customer, is considered irrevocable, i.e. cannot be canceled by the Customer after its completion – receiving the Customer’s due under previously accepted transaction terms.

4. Subject of the Agreement.

By using technical methods, the Contractor undertakes to carry out the exchange of tokens for a commission fee from the Customer, after the submission of an application by this person, and does so by selling tokens to individuals willing to purchase them for an amount not less than specified in the application submitted by the Customer. The Contractor undertakes to transfer the funds to the Customer’s specified requisites. In case of profit during the exchange, it remains in the Contractor’s account as additional benefit and a commission for the brokerage services.

5. Exchange Rules.

5.1. General Exchange Rules.

5.1.1. Within 24 hours from the execution of the exchange of tokens, the Contractor provides a guarantee for the services rendered, provided no other terms are specified.

5.1.2. If the amount received by the Contractor’s account differs from the one specified in the application, the Contractor makes a recalculation corresponding to the actual receipt of tokens. If this amount exceeds the one specified in the application by more than 10%, the Contractor unilaterally terminates the agreement and all funds are returned to the Customer’s requisites, taking into account the deducted amount for commission expenses during the transfer, as well as minus the manual transfer processing fee equivalent to 5% of the exchange amount.

5.1.3. In case tokens are not sent to the Customer’s specified requisites due to the Contractor’s fault within 24 hours, the Customer has the full right to demand termination of the agreement and cancel their application, thus returning the tokens to their account in full. The application for termination of the agreement and return of tokens is executed by the Contractor if the funds have not yet been transferred to the Customer’s specified requisites.

5.1.4. In the event of agreement cancellation, the return of tokens is made within 24 hours from the receipt of the agreement termination request. If delays in the return occur not due to the Contractor’s fault, the Contractor is not responsible for them.

To initiate a refund, the Customer submits a refund request in an email sent to the address [email protected]. The email must be sent from the address specified in the application, where the Customer wishes to receive the refund. The email must inсlude the application number and requisites for receiving the refund. The refund is made minus the payment systеm commission for the transfer (for some tokens, the commission amount depends on the network requirements to confirm the transaction in the first block at the time of refund), as well as minus the manual transfer processing fee equivalent to 5% of the exchange amount.

5.1.5. Exchange requests actually paid for an amount less than the minimum exchange amount are not subject to execution and refund.

5.1.6. If tokens are not received from the Customer to the Contractor’s account within the specified period from the time of application submission by the Customer, the agreement between the parties is terminated by the Contractor unilaterally, as the agreement does not come into force. The Customer may not be notified of this. If tokens are received by the Contractor’s requisites after the specified period, the Contractor reserves the right to refund the payment for the application minus the commission back to the Customer or execute the application at the current rate, provided the Customer contacts the support service.

5.1.7. If there is a delay in transferring funds to the requisites specified by the Customer due to the payment systеm’s fault, the Contractor is not responsible for the damage caused by the delayed receipt of funds. In this case, the Customer must agree that all claims will be made to the payment systеm, and the Contractor provides assistance within the limits of the law.

5.1.8. In case of detecting forgery of communication flows or exerting influence to disrupt the Contractor’s operation, namely its software code, the application is suspended, and the transferred funds are recalculated in accordance with the current agreement. If the Customer disagrees with the recalculation, they have the full right to terminate the agreement, and the tokens will be sent to the requisites specified by the Customer, minus all commission expenses.

5.1.9. By using the Contractor’s services, the Customer fully agrees that the Contractor bears limited liability within the framework of these rules for the tokens received and does not provide additional warranties to the Customer, nor does it incur additional liability. Accordingly, the Customer does not incur additional liability to the Contractor.

5.1.10. The Customer undertakes to comply with the norms corresponding to the legislation and not to forge communication flows or create obstacles for the normal operation of the Contractor’s software code.

5.1.11. The Contractor is not responsible for any damage and consequences resulting from an erroneous transfer of tokens if the Customer provided incorrect requisites when submitting the application.

5.2. Features of Operations Involving Banks.

5.2.1. Banks participate in making payments, the list of which is available on the website. The User must provide a phone number linked to the bank card from the moment the application is created until its execution. If the exchange is made for the first time, a call from the security service https:/rubycash.org is possible for security purposes. In some cases, the user may need to undergo identity verification and/or bank card verification.

5.2.2. Bank transfer can be made through the internet banking systеm of the payment systеm. If the application was processed through a bank operator or ATM, the funds are returned to the Customer within one day, taking into account commissions. Refunds are made exclusively upon the security service’s confirmation of the sender’s transfer.

5.2.3. If the Customer provides erroneous data in the information about the recipient’s payment details, the Contractor is not liable for any adverse consequences or damages resulting from this error.

5.2.4. Funds receipt to Visa/Master Card takes up to 30 minutes, in exceptional cases up to 5 (five) banking days.

5.2.5. If the Customer adjusts the payment amount or makes a payment from another account (from third parties), the Contractor may block such payment. Refunds are made upon the Customer’s request in accordance with section 5.1.4 of this Agreement.

5.3. Features of exchanging tokens requiring processing on the blockchain platform.

The customer conducts a transaction on the service involving such tokens, where the speed of such a transaction depends on the processing speed of the operation on the side of a specific blockchain platform.

5.3.1. Exchange requests, where the customer sends such tokens, are considered paid upon receipt of the necessary amount to the executor’s account from the customer. The rate is fixed when the status is “Paid request”. The rate is tied to the whitebit.com exchange and varies on the service every 30 seconds. The time for recalculating the rate ranges from 5 minutes and depends on the volatility of the token. The exact time is specified in the created request. The difference from the whitebit.com exchange rate is either the profit or loss of the service, depending on the direction of the exchange.

5.3.2. The executor recommends that the customer set the network’s recommended commission for faster transaction confirmation.

5.3.3. The payout amount for the request is reserved for 1 hour from the time of creating the request. If payment for the request is received after 1 hour from its creation, the exchange may be executed with some delay, depending on the availability of the necessary currency reserve.

5.3.4. The executor recalculates the payout amount based on the current rate, depending on the selected exchange direction:

– If the transaction for the request is received after the allotted time for payment.

– If the transaction for the request is received on time, but the received amount does not correspond to the amount specified in the request.

– If the payout for the request was not made due to an incorrect recipient account or restrictions on receiving funds by the recipient.

– If the rate on the whitebit.com exchange has changed. The time for recalculating the rate is specified when creating the request and is performed automatically. The rate is fixed upon receipt of the necessary amount to the executor’s account from the customer. The payout for the exchange request is made based on the recalculated amount. The executor reserves the right to execute the request at the current rate at the time of the actual payment.

5.3.5. Exchange requests, where the customer receives such tokens, may take from 5 minutes to 60 minutes.

5.3.6. In case of high load or technical problems in the network due to reasons beyond the control of the executor, the delivery time of funds to the customer’s account may reach 48 hours.

5.3.7. Exchange requests with such tokens, where the customer sends them, paid for an amount less than the minimum recommended commission of the payment systеm, are not subject to execution and refund.

5.3.8. If the customer paid for the exchange with such tokens, where the customer sends them, but the funds did not arrive at the executor’s account by the end of the set payment time (from 15 to 60 minutes, depending on the currency), the customer must report this to the executor’s support service. If the customer does not contact within 12 hours from the time of creating the request, the executor reserves the right not to execute this exchange, paid with a delay.

5.3.9. To avoid potential issues with transferring digital assets, it is recommended to check your cryptocurrency address and incoming transactions for high risk using the specialized AMLbot service. To ensure the security of users participating in the subsequent receipt of digital assets, as well as to counteract money laundering obtained illegally, the service adheres to the AML and KYC policy, which is an integral part of this agreement.

6. Rights and Obligations of the Parties.

6.1.1. The customer has the right to change the recipient’s details by submitting a request to change the recipient’s details in an email sent to [email protected], provided that the email is sent from the address specified in the request for which the customer wishes to change the recipient’s details. The email must also inсlude the request number and the new details for receiving funds.

6.1.2. The customer undertakes to:

– Exclude any possible assistance to illegal trading and any other illegal operations using the services of the Service;

– Exclude any possible assistance to conducting financial manipulations, not to use the Service for the purpose of creating and distributing pyramid schemes, as well as for carrying out other actions contrary to legislation and legal norms;

– Exclude from its practical activities using the Service any actions, the implementation of which may cause direct or indirect harm to the fight against money laundering and the legalization of funds obtained illegally;

– Provide all documents confirming their identity upon request of the service in case of suspicion of fraud and money laundering.

– Not to interfere with the work of the Executor and not to damage its software and hardware, and also undertake to provide accurate information to ensure the fulfillment by the Executor of all the terms of the agreement.

– Make payment for the request within 15 minutes,

– When using the affiliate program, not to use traffic pumping systems and spam methods of its receipt;

6.2.1. The customer has the right to:

– At its discretion, establish a discount systеm for exchange operations;

– Not to take into account exchange discounts if the exchange service does not profit from the request, i.e., the exchange percentage is negative or equal to 0;

– Not to accrue referral rewards if the exchange service makes a profit of less than 0.6%;

– Suspend the operation in case of detecting the customer’s intention to profit from the difference in exchange rates of the exchange service until the circumstances are clarified by the service’s security service;

– Upon request, provide information about the transfer of tokens to law enforcement agencies, payment systеm administrations, as well as victims of unlawful actions resulting from proven fraud by judicial authorities;

– If the exchange rate of the request does not correspond to the market rate for any reason, recalculate the request at the current rate or refund the funds to the customer;

– Recalculate the rate fixed for the request in case of a prolonged delay in the receipt of funds from the customer to the service due to a delay from a third-party service, as well as where the customer has specified the minimum commission for the transaction, resulting in a prolonged delay in the receipt of funds to the Executor’s account;

– Refuse to conclude an agreement and execute a request, cancel the ongoing operation, and return the tokens deposited by the customer if the customer fails to comply with the conditions of this agreement, without limiting this action.

7. Force Majeure.

In the event that unforeseen circumstances arise during the processing of the customer’s request that prevent the Executor from fulfilling the terms of the agreement, the deadlines for completing the request are extended for the corresponding duration of force majeure. Neither the Customer nor the Executor shall be liable to each other for delays or failure to fulfill their obligations resulting from force majeure, including natural disasters, fires, floods, terrorist acts, changes in government, civil unrest, as well as non-functioning of Payment systems, power supply systems, communication networks, and Internet service providers. The Executor has the right to demand from the Customer a corresponding document confirming the occurrence of unforeseen circumstances.

In case of an error during the payment of the exchange, the Customer will receive a notification in the status of the request and/or via email.

8. Jurisdiction and Taxation.

The services provided by the https://rubycash.org service may not be permitted in some jurisdictions. By accepting the terms of use of the service, the Customer confirms that they are not a resident of such jurisdiction. This agreement does not override the existing legislation of the countries of registration and location of the Service and the Customer, as well as contractual relations between the Customer and the Payment systеm(s). If, according to the terms of the existing legislation or other agreements, the Customer cannot use the services of the Service, then the use of these services by the Customer is prohibited by this agreement and will be considered illegal, and the Customer shall be liable in accordance with the existing legislation.

The Service is not a tax agent for the Customer and will not notify the Customer about their tax expenses. The Customer undertakes to independently pay all taxes required in accordance with the tax legislation of their place of residence.

The Customer guarantees that they are the owner or have legal grounds to dispose of the funds used in their transactions.

For cardholders from England, Germany, and the USA, the terms of transferring tokens are extended indefinitely, corresponding to the full verification of the cardholder’s data. The funds are not subject to any operations during the entire period and are fully held in the Executor’s account.

This agreement, accepted by the parties, represented by the Executor and the Customer, is deemed equivalent in legal force to a contract written in a written form.

9. Claims and Disputes.

Claims under this agreement are accepted by the Executor in the form of an email, in which the Customer specifies the essence of the claim. This email is sent to the details of the Executor specified on the website.

10. Miscellaneous.

10.1. It is strictly prohibited to use the services of the Executor for conducting illegal transfers and fraudulent activities. By entering into this agreement, the Customer undertakes to comply with these requirements and, in case of fraud, bear criminal liability in accordance with applicable law.

10.2. This agreement is posted for public access on the Internet at the following page: https://rubycash.org/tos/ and may be amended by the Executor unilaterally without additional notice to the Customer.