User Agreement. Last updated: December 7, 2025

General Provisions

This User Agreement (hereinafter referred to as the “Agreement”) governs the relationship between Tarifex.io (hereinafter referred to as the “Service”) and an individual who uses the website, interface, software, and other services provided by the Service (hereinafter referred to as the “User”).

This Agreement defines the procedure for using the Tarifex.io website, the conditions for providing digital asset exchange services, as well as the rights, obligations, and responsibilities of the Parties.

By using the Tarifex.io website or any of its services, the User confirms that they have read and fully understood the terms of this Agreement, as well as the AML/KYC Policy and the Privacy Policy, and that they fully accept them without any restrictions, reservations, or exceptions, agreeing to comply with all established rules and requirements.

If the User disagrees with any provision of this Agreement, they must immediately cease using the Service and leave the Tarifex.io website.

Key Terms

Service (Tarifex.io) — an online platform providing technological solutions that enable Users to exchange, convert, and transfer digital assets in an automated or manual mode.

User — an individual aged 18 or older, possessing full legal capacity and accepting the terms of this Agreement when using the website or any of the Service’s functions.

Digital Asset (Cryptocurrency Asset) — a digital unit of value based on blockchain technology (including cryptocurrencies, tokens, stablecoins, and other forms of digital value).

Payment System — a third-party platform or service used for executing, receiving, or processing online payments, including fiat and cryptocurrency transactions.

Order — a request submitted by the User through the Tarifex.io website interface to buy, sell, or exchange digital assets via the Service.

AML (Anti-Money Laundering) — a set of internal measures and procedures aimed at preventing money laundering and the use of the Service for illicit activities.

KYC (Know Your Customer) — a process of User identification and verification conducted by the Service or its partners in accordance with applicable laws and security requirements.

Personal Data — any information directly or indirectly related to a User that can be used to identify them (including, but not limited to, name, email address, payment details, and other identifying information).

Intellectual Property — results of intellectual activity, including texts, images, graphic elements, software, code, design, and other materials protected by copyright and related rights.

Suspicious Traffic — transactions or assets classified as high-risk or potentially illicit according to AML analytics and monitoring results.

Subject of the Agreement

The Service provides Users with digital asset exchange, conversion, and transfer services in accordance with the current exchange rates published on the official Tarifex.io website.

The Service does not conduct banking, payment, or other financial activities that require special licenses or authorizations under applicable law.

All payment acceptance and processing are performed using the infrastructure of third-party payment operators and providers acting under their own legal frameworks and responsibility.

The Service does not accept, store, or manage Users’ funds and merely provides a technological platform enabling digital asset exchange between the parties.

The Service does not provide investment, financial, legal, tax, or consulting services and does not act as an intermediary or fiduciary between Users.

All transactions conducted through the Service are final and cannot be canceled, reversed, or amended after completion.

User Obligations

The User agrees to provide accurate, complete, and up-to-date information during registration and upon request from the Service for the purpose of conducting transactions.

The User shall not use the Service for any unlawful activity, including but not limited to fraud, money laundering, tax evasion, terrorist financing, or any other illegal actions in any jurisdiction.

The User must comply with the laws of their country and any other applicable legal regulations when using the Service. It is prohibited to use technologies intended to conceal the User’s true location or identity if such concealment results in a breach of this Agreement, applicable laws, or complicates the identity verification process.

The User must ensure the confidentiality of their access credentials (login, password, keys) and shall not disclose or transfer them to third parties. Any actions performed using the User’s credentials are deemed to have been performed by the User personally.

In case of unauthorized access, credential compromise, or detection of suspicious activity, the User must immediately notify the Service.

The User bears full responsibility for the legality of the origin of funds used and for fulfilling tax obligations in accordance with applicable legislation.

Service Obligations

The Service undertakes to perform operations within the limits of its technical capabilities and functionality, making reasonable efforts to ensure continuous and stable operation.

The Service applies measures to prevent fraud, terrorist financing, and money laundering in accordance with applicable legislation.

The Service reserves the right to suspend, block, or cancel transactions at its sole discretion upon detecting suspicious activities, violations of this Agreement, or legal requirements.

Upon official requests from competent authorities, the Service provides required information in accordance with the law.

The Service ensures the confidentiality and protection of Users’ personal data in accordance with the Privacy Policy and applicable data protection legislation.

Service Operations

All operations are conducted exclusively through the official Tarifex.io website.

The Service is not responsible for the actions of third parties using similar domain names or counterfeit resources.

The average processing time for automated orders ranges from 0 to 60 minutes, while manual orders may take from 20 minutes to 6 hours, depending on Service workload, blockchain network conditions, and third-party payment system performance.

These time frames are indicative and may change without prior notice to the User.

If a transaction does not receive blockchain confirmation within 20 minutes, the Service may recalculate the exchange rate based on the current market rate at the time of confirmation.

The Service reserves the right to request additional User identity verification in case of suspicious activity or within AML/KYC procedures.

The Service may refuse to provide services, suspend, or terminate User access without explanation, in accordance with internal regulations and security requirements.

Fees and Commissions

Current tariffs and commissions are published on the official website of the Service and may be changed without prior notice to the User.

All amendments become effective from the moment of their publication on the website.

The Service does not guarantee a fixed exchange rate, as it is formed automatically based on current market conditions and may change during the processing of a request.

The Service is not liable for fluctuations in the market rate of digital assets or for any financial losses incurred by the User as a result of such fluctuations.

Fees charged by payment systems, processing operators, or blockchain networks shall be borne by the User and are not included in the exchange rate unless otherwise stated on the Service’s website.

Liability of the Parties

The Service shall not be held liable for any losses, delays, or interruptions caused by third parties, payment system failures, blockchain network errors or congestion, transaction delays, or consequences resulting from the User providing incorrect details or other information beyond the control of the Service.

The maximum liability of the Service in any case shall not exceed the amount actually transferred by the User for the specific transaction.

The User independently assesses and assumes all risks associated with the use, storage, exchange, and transfer of digital assets, including risks of value loss, wallet compromise, technical errors, or market volatility.

The Service does not compensate for any losses incurred by the User as a result of market rate changes or other cryptocurrency fluctuations.

The User confirms the accuracy of all provided data, the lawful origin of funds used, and bears full responsibility for their compliance with applicable legislation.

Refunds and Transaction Suspension

Refunds are provided strictly in accordance with the internal regulations of the Service and in compliance with applicable AML/KYC procedures, after the necessary verification of the User’s identity and the lawful origin of the assets.

The Service reserves the right to suspend or recalculate any transaction at its sole discretion if, during the exchange process or at the time of processing the order, the market rate of the relevant asset changes by 0.1% (zero point two percent) or more. In such cases, recalculation shall be made at the current market rate at the moment the order is processed by the Service system.

If any suspicious assets or transactions are identified, the Service has the right to suspend or freeze the funds for up to 180 (one hundred eighty) calendar days. Upon receipt of official requests from competent authorities, this period may be extended until the investigation is completed.

A refund processing fee of up to 10% of the refunded amount may be charged to cover administrative and operational costs related to incident handling. Refunds are made exclusively to the original address (wallet or account) from which the funds were sent, in order to ensure security and compliance with AML/KYC policies. Transfers to any other payment details are strictly prohibited.

The Service shall not be held liable for any losses or inability to issue a refund resulting from errors made by the User when entering payment information, including but not limited to an incorrect wallet address, wrong network selection, inaccurate transfer amount, or other invalid data.

Force Majeure

The Service shall be released from liability for partial or full non-performance of its obligations if such non-performance results from circumstances of force majeure beyond the reasonable control of the Service, making the fulfilment of obligations impossible or significantly hindered.

Such circumstances include, but are not limited to: fires, natural disasters, cyberattacks, communication or payment system failures, DDoS attacks, infrastructure shutdowns, interruptions in the operation of providers, legislative changes, sanctions, military actions, civil unrest, as well as unlawful actions of third parties, including hacker attacks or unauthorised access to the Service’s infrastructure.

Force majeure circumstances also include blocking, delays, or cancellations of transactions carried out by third-party payment providers, banks, merchants, or blockchain networks in connection with their compliance with anti-money laundering and counter-terrorism financing procedures (AML/KYC) or by order of competent authorities.

In the event of force majeure, the performance of the Service’s obligations shall be suspended for the duration of such circumstances and shall resume after their cessation, without any penalties, fines, or compensations to the User.

Where possible, the Service may notify the User through available means of communication (e-mail, on-site notice, or others) about the nature and expected duration of such circumstances. The inability to provide timely notification shall not be considered a breach of the Service’s obligations and does not entail any liability for consequences caused by force majeure events.

Intellectual Property

All materials published on the Tarifex.io website, including but not limited to texts, images, graphic elements, logos, trademarks, design, software, source code, databases, website structure, and other intellectual property objects, are the property of the Service or its licensors (partners) and are protected by copyright and related rights legislation.

Any copying, reproduction, distribution, modification, public display, publication, or commercial use of the website materials, in whole or in part, without the prior written consent of the Service, is strictly prohibited.

The User undertakes to refrain from any actions aimed at reverse engineering, decompiling, or obtaining the source code of the Service’s software components.

Confidentiality

Users’ personal data are collected, transmitted, and stored in accordance with the Privacy Policy published on the official website Tarifex.io.

This Policy defines the procedure for collecting, using, storing, protecting, and disclosing information provided by Users when using the Service.

By providing their data to the Service, the User gives voluntary consent to its processing, storage, and transfer for the purposes of service provision, transaction processing, compliance with legal requirements (including AML/KYC procedures and fraud prevention), account security, prevention of unauthorised access, and cooperation with third-party payment operators and service providers involved in transaction processing.

The Service implements the necessary organisational and technical measures to protect personal data from unauthorised access, alteration, disclosure, or destruction.

The User confirms that they have read and fully accepted the Privacy Policy.

Dispute Resolution Procedure

All disputes, disagreements, or claims arising in connection with the use of the Service shall be settled by the Parties through negotiations and pre-trial communication.

The User undertakes, prior to initiating legal proceedings, to submit a written claim to the Service via the contact form or e-mail address specified on the official website Tarifex.io.

The Service shall review the claim within thirty (30) calendar days from the date of its receipt and provide a written response to the User using the contact details provided.

If the dispute cannot be resolved through negotiation, it shall be submitted to the court at the place of registration of the Service, in accordance with the applicable law of that jurisdiction.

The relations between the User and the Service are governed by the substantive law of the country of registration of the Service, excluding conflict-of-law rules.

The Service shall not be liable for any discrepancies between the laws of different countries concerning the regulation of digital assets, exchange operations, or taxation.

Limitation of Liability by Time

Claims by the User related to exchange operations shall be accepted within twenty-four (24) hours from the moment of completing the respective transaction.

Upon expiry of this period, claims shall not be considered, and the transaction shall be deemed executed and confirmed by the User.

Updates and Notifications

The Service reserves the right to amend or supplement this Agreement, as well as tariffs, service provision rules, and internal policies (including AML/KYC and the Privacy Policy), at any time without prior notice to the User.

The updated version of the Agreement shall take effect upon its publication on the official website Tarifex.io and shall have equal legal force with the previous version.

The User undertakes to monitor changes to the terms of the Agreement independently. Continued use of the Service after amendments have been made shall constitute the User’s full and unconditional acceptance of the updated version.

By using the website Tarifex.io and the Service, the User confirms that they have read, understood, and fully accepted the terms of this Agreement, the AML/KYC Policy, and the Privacy Policy, and undertakes to comply with all established rules and requirements.

Final Provisions

This Agreement governs the relationship between the User and the Service concerning the use of the Tarifex.io website and the services provided through it.

This Agreement constitutes the complete and exclusive agreement between the User and the Service, superseding all prior oral or written arrangements, correspondence, and proposals.

If any provision of this Agreement is found to be invalid or unenforceable, it shall not affect the validity of the remaining provisions, which shall remain in full force and effect.

This Agreement is drawn up in the Russian language. In the event of translations into other languages, the Russian version published on the official website Tarifex.io shall prevail.

The effective date of this Agreement is determined by the moment of its publication on the website Tarifex.io.

By using the Service, the User confirms that they have fully read and understood the contents of this Agreement and are aware of the legal consequences of its acceptance.

Exchange rules