Terms of use


This agreement (hereinafter referred to as the Agreement) describes the conditions on the basis of which the services of the Topcash24.me service are provided. Before using the service, the User is obliged to read and accept all the conditions of this Agreement. Otherwise, the user cannot use the service..

The agreement is publicly available on the Topcash24.me service website and can be changed unilaterally by the Service Administrator without additional notification to the User.

The parties to this agreement are Topcash24.me, hereinafter referred to as the “Service” and any individual using the services of the Service, hereinafter referred to as “User”.

1. Terms and Definitions

Topcash24.me — is the Topcash24.me website, as well as other resources: exchange bots in messengers, message boards, etc. (hereinafter referred to as Topcash24.me service or Service) a technical platform for transferring electronic currencies of various payment systems between Users (p2p platform), and offering its services using a special software interface for all Users.

Service — a system of providing Internet services for the exchange, sale and purchase of electronic and fiat currencies from User to User (p2p). The provision of the Service is carried out under the control of the administrator. Admin Contact: [email protected]

User — is any individual who has accepted this Agreement and using the services of the Topcash24.me service.

Electronic currency, digital asset — an obligation between the developer of a given currency / digital asset to its user, having a certain value and expressed in a digital way or in another digital asset operating in a decentralized distributed database.

Payment system — a software product developed by a third party and representing a mechanism for the implementation of obligations accounting, as well as the organization of mutual settlements between users of the payment system.

Services — technical assistance in the conduct of P2P operations and the selection of counter orders between individuals for the sale and / or exchange of electronic currencies / digital assets, as well as other services, information about which is placed on the window of the Service.

Payment — the transfer of electronic currency, digital assets or fiat funds from the User to the User using the technical mechanisms of the Service, as well as in the opposite direction.

Order — an expression of the User’s intention to use the Service, by filling out an electronic form through the Service’s website, on the conditions described in the Agreement and specified in the parameters of this Order.

Partner — a person providing the Service with services to attract Users, the terms of which are described in this Agreement.

Card verification — is a verification of the card (or account) belonging to its owner. The conditions for verification of ownership are established by the Service, made at a time for each new card (account) of the client.

Exchange rate — the value ratio of two currencies / digital assets / fiat funds when exchanging them.

2. General Provisions

2.1. This agreement governs the relationship between the User and the Service regarding the services provided by the Service to the User and cancels all previous agreements between the Service and the User on this subject.

2.2. This agreement does not cancel the current legislation of the countries of registration and the location of the Service and the User, as well as the contractual relationship between the User and the Payment system (systems). If, under the terms of applicable law or other arrangements, the User cannot use the services of the Service, then the use of these services by the User is prohibited by these rules and will not be recognized.

2.3. The service guarantees and ensures the confidentiality of information about the User and his operations. The service can provide this information only at the request of authorized state bodies, officials or representatives of Payment systems, if there are legal grounds.

2.4. The User uses the Service and pays for its services in accordance with the terms of this Agreement.

3. Subject of Agreement

3.1. The subject of this agreement is the provision of services to attract other Users and facilitate the sale and purchase and exchange of electronic currencies, digital assets and fiat funds through P2P payments between individuals, as well as other services described in the window of the Service. The Service is not a party to transactions between Users. All transactions take place between the Users of the Service under their personal responsibility (p2p transactions).

3.2. The Service offers services to all Users and does not verify the legality and legality of the User’s ownership of electronic currencies, digital assets and / or financial means, and does not oversee the operations of the User in any of the Payment systems.

3.3. Exclusively Payment systems and / or financial institutions are responsible for funds entrusted to them by the User. The Service is not a party to the agreement between the Payment system and / or financial institution and the User and is not in any way responsible for the incorrect or unlawful use of the capabilities of the Payment system by the User, as well as for the abuse by the User of the functionality of the Payment system. Mutual rights and obligations of the User and the Payment system and / or financial institution are governed by the relevant agreements between them, without the participation of the Service.

3.4. Any completed transaction for the sale and purchase or exchange of electronic currency, digital assets, as well as any other operation offered by the Service to the User, is considered impossible to cancel or adjust. The operation cannot be canceled or adjusted by the User after its completion - when the User receives funds due to him from the other side of the transaction, according to the terms of the exchange Order.

3.5. The Service has the right to suspend or cancel a pending exchange Order if information is received about the illegality of the User's possession of electronic currencies, digital assets or financial assets and / or other information that makes it impossible to provide the Service to the User.

3.6. The Service has the right to suspend or cancel a pending exchange Order if the User violates the terms of this agreement, as well as refuse to continue to service the User without explaining the reason for this decision.

3.7. The Service has the right to cancel the ongoing exchange operation and return the electronic currencies, digital assets and / or fiat funds contributed by the User without explanation.

3.8. User agrees:

— exclude any possible aiding illegal trade and any other illegal operations using the services of the Service;

— exclude the purchase or promotion of prohibited goods or services;

— to exclude any possible complicity in conducting financial frauds, not to use the Service in order to create and distribute financial pyramids, to finance terrorism, as well as to perform other actions that are contrary to law and legal standards;

— exclude in its practical activities using the Service any actions the implementation of which may be related to the laundering and legalization of funds obtained illegally;

3.9. The Service undertakes to take all possible and affordable actions to prevent attempts at illegal trade, financial fraud and money laundering using the services of the Service. The indicated actions include, including:

— provide all possible assistance to law enforcement agencies in the search and capture of fraudsters engaged in illegal money-laundering activities.

— improve the Service to prevent the direct or indirect use of the Service in activities that are contrary to the law aimed at combating illegal trade, financial fraud and money laundering;

— follow AML & KYC policies.

4. Service Services

4.1. The order of the Service’s services and the receipt of information on the progress of the transaction between the Users are made exclusively through contacts with the Service administrator using the Online Support Chat or Email.

4.2. The service offers its services without lunch break and in accordance with the Service Schedule provided for in the Rules.

4.3. The order of the services of the Service is carried out by the User by sending an Order for exchange through the Website of the Service.

4.4. The management of the purchase and sale or exchange process, as well as the receipt of information on the progress of the service by the User, is carried out using the appropriate user interface located on the Service website.

4.5. Using the services of the Service, the User confirms that he legally owns and disposes of fiat money, electronic currency, digital assets participating in the relevant Payment.

4.5. Service for organizing p2p Exchange between Users of Electronic currency, digital assets or fiat funds.

4.5.1. By filling out an Order for exchange, the User instructs, and the Service undertakes to find a counter Request (s) for exchange from other Users that meet the conditions of the Request for exchange of the User.

4.5.2. The User agrees to transfer (transfer) electronic or fiat currency, digital assets in the amount specified in the exchange Order, and the Service, to control the transfer (transfer) to the User from another User, corresponding to the Request for exchange of electronic or fiat currency, a digital asset calculated using To the course and in accordance with the tariffs of the Service.

4.5.3. The amount of the Service fee is reflected in the Order for exchange and is confirmed by the User on one of the pages of the user interface when filling out the Request for exchange.

4.5.4. Providing the Service with control over the transfer (transfer) of electronic or fiat currency, a digital asset to the User is deemed executed at the time of debiting the electronic or fiat currency in the relevant Payment system from the account of the other User (s) with counter Orders for exchange, which is registered in transaction history of the relevant Payment system.

5. Additional terms of service

5.1. In the event that the User does not receive electronic or fiat currency, digital assets on the executed Exchange Order within 3 minutes from the moment of making the Exchange Order, the Service has the right to cancel such Exchange Order. E-currency, digital assets or fiat funds received after the above period are subject to translation at the updated (current at such time) rate or refund to the payer's details, if there is a Order for a refund from the User submitted before sending funds to execute the Order for exchange. When making a return, all commission costs for the transfer are made from the funds received at the expense of the User.

5.2. If the User receives electronic or fiat currency, digital assets in an amount different from that indicated in the Exchange Order, the Service Administrator considers this as the User’s order to recalculate the Order according to the actually received amount of electronic, fiat currency or digital assets. In the event that the amount of received electronic asset or funds differs from the amount declared by the User by more than 10%, the Service may unilaterally cancel the Exchange Order and return the received funds to the payer's details. When making a refund, all commission costs for the transfer of funds are made from the funds received at the expense of the User.

5.3. In the event the Service fails to control the conditions for sending electronic or fiat funds, digital assets according to the Orderfor an exchange for details specified by the User within the time allotted by the regulation, the User has the right to demand the return of the electronic asset or money in full, except as specified in this Agreement. The requirement to return electronic or fiat funds, digital assets can be fulfilled by the Service only if, at the time of receipt of such a Order, the equivalent of funds was not sent to the details specified by the User. An increase in the term for transferring electronic or fiat funds may be caused by the conditions for processing Orders for the exchange of individual Payment systems, in this case the Service is not responsible and no refund.

5.4. The exchange rate of electronic or fiat currency is fixed by the Service for no more than 3 (three) minutes from the moment of Order creation. If the User has paid after 3 (three) minutes, the Service automatically updates the rate. If the User does not agree to conduct the operation at the updated rate, then he sends the Service a request for a refund of the funds sent. The Service shall refund electronic or fiat funds only if the transaction executing the Exchange Orderhas not been executed and the funds have not been sent to the User. All commission costs for the transfer are made from the funds received at the expense of the User.

5.5. When exchanging or selling cryptocurrencies, the User agrees to indicate the commission corresponding to the recommendations of the network. The Service cannot guarantee the execution of a purchase or sale or exchange operation within the time periods established by this Agreement, if the terms of the commission by the User are not met.

5.6. Special conditions of some Payment systems:

• Bank payments are processed by the Service up to 2 hours, if necessary, the Service may require verification of the client's card (account);

• If the Order for the exchange using cryptocurrencies (Bitcoin, Ethereum and others) is completed, a refund is not possible;

• If the amount of cryptocurrency sent by the User (Bitcoin, Ethereum and others) is less than 0.0010 equivalent, the money will not be returned;

• Yandex Money: A delay of 28 hours is set for the first payment from an Unregistered / Unverified User;

• Bank transfers in the direction of Visa / Mastercard UAH and Visa / Mastercard RUB in most cases are credited instantly, but in some cases it can take up to 5 banking days.

6. Cost of services. Exchange rates.

6.1. Rates and courses are determined by the administrator of the Service and published on the website of the Service. The Service Administrator has the right to change the tariffs of the Service without additional notification to the User.

6.2. In addition to the established prices, the User also reimburses all additional costs for postal items, etc. incurred in the course of business relations with the Service.

7. Taxation

7.1. The Service is not a tax agent for the User and will not notify the user of its tax costs. The user undertakes to independently pay all taxes required by the tax laws of his place of residence.

7.2. In the event that the Service is required by law to pay taxes for the User or to cover arrears resulting from the User’s refusal to pay taxes, the User agrees to reimburse the Service for all these payments.

8. Warranties and liability of the parties

8.1. The service provides its services on an “as is” basis as described on the pages of the Service website and does not offer any additional guarantees.

8.2. The Service guarantees control of the fulfillment of obligations to the User only to the extent of the amounts entrusted to the Service by the User for the sale or exchange operation.

8.3. The service will make every effort, but does not guarantee that its services will be available around the clock and daily. The Service is not responsible for losses, non-profit and other costs incurred by the User as a result of the inability to gain access to the site and the services of the Service.

8.4. The Service is not liable for losses, non-profit and other costs incurred by the User resulting from delays, errors or failures in making bank payments or electronic transfers.

8.5. The Service is not liable for losses, non-profit and other costs incurred by the User resulting from erroneous expectations of the User regarding the tariff rates of the Service, exchange rates, profitability of transactions and other subjective factors.

8.6. The service is not responsible and does not compensate for losses in the event of an imperfect exchange due to incorrectly specified details when filling out an Order for user exchange and does not undertake to take actions to return such funds.

8.7. The User guarantees compensation for losses of the Service in cases of filing claims or claims directly or indirectly related to the use by the User of the services of the Service

8.8. The user guarantees that he is the owner or has legal grounds to dispose of the amounts used in his transactions.

8.9. The user agrees not to falsify communication flows associated with the operation of the Service.

8.10. The User acknowledges that the content of the Service website is protected by the legislation on the protection of property rights, intellectual property and copyrights. Unauthorized use of this content is illegal.

8.11. The user guarantees his non-participation in any fraudulent schemes and has no claims to the service in case of payment.

8.12. The User agrees not to abuse the actions of the bonus and partner programs of the Service and its friendly services, and also not to create systematically deliberately unpaid Orders for the exchange.

8.13. The user must indicate the prescribed wording in the payment note. In the absence of such a comment, the service reserves the right to begin the refund procedure. In case of suspicion of a fraudulent origin of the payment, a refund can be made through the support service of the payment system and take up to 10 days.

8.14. The service prohibits exchanges to the accounts of 3 persons. The service is not responsible for the actions of these persons after receiving funds from the exchange service. Operate only with wallets and accounts to which you have full access.

 9. Privacy Policy and Use of Requested Data

9.1. Providing the Services, the site administration, acting reasonably and in good faith, considers that the User:

— has all the necessary rights to enable him to use the Services of the service;

— indicates reliable information about yourself in the volumes necessary to use the Services;

— realizes that some types of information transmitted to them when using the Service Services cannot be deleted by the User;

— acquainted with this Agreement, expresses its agreement with it and assumes the rights and obligations specified therein.

9.2. The Service processes information about Users, including their personal data, in order to fulfill obligations to Users regarding the use of the Services. By continuing to use the Service, you agree to the use of personal data.

9.3. Personal data of Users, provided with the consent of the Users and necessary for using the Service: name, surname, patronymic, details of the used wallets, contact phone number, email address, data of identity documents. For the purpose of the optimal operation of the Service and its constant updating, the Service uses Cookies (cookies). By continuing to use the Service, you agree to the use of cookies and the specified service to track the preferences of website visitors and to optimize its design accordingly. Cookies are small files that are stored on your device’s hard drive..

9.4. Processing of Users personal data means recording, systematizing, accumulating, storing, clarifying (updating, changing), extracting, using, transmitting (distributing, providing, accessing), including cross-border, depersonalization, blocking, deletion, destruction of personal data not covered under special categories, the processing of which requires the written consent of the User. The processing of personal data is based on principles:

— the legitimacy of the purposes and methods of processing personal data and good faith;

— compliance of the purposes of processing personal data with the goals previously defined and declared during the collection of personal data, as well as the powers of the Service;

— correspondence of the volume and nature of the processed personal data, methods of processing personal data to the purposes of processing personal data;

— the inadmissibility of combining personal data databases created for incompatible purposes.

9.5. The Service collects and processes the User’s personal data with his consent in order to provide services to the User on the use of the Services. The User’s consent to the transfer of his personal data is provided in the form of concrete actions when using the Site Services.

9.6. Users' personal data is stored exclusively on electronic media and processed using automated systems. The service takes technical and legal measures to ensure the protection of the User’s personal data from unauthorized or accidental access to them, destruction, alteration, blocking.

10. Relations with third parties

10.1. Users who make transactions using the Service at the expense of third party funds at their disposal are solely responsible to third parties for these funds. The Service is not a party to this transaction, is not responsible to third parties for the observance by the User of any obligations with respect to them, and is not a party to disputes that may arise in connection with such obligations.

10.2. The Service does not accept and does not comply with Orders from third parties to suspend the user’s admission to exchange transactions, or otherwise restrict his rights in relation to the Service for any reason, including in connection with claims from third parties.

10.3. The service does not provide information on transactions performed by the user to third parties, for no reason and is not responsible for providing incomplete or distorted information about its transactions to any third parties.

10.4. The service is not an electronic payment system. The user does not have the right to transfer someone else's bitcoin address, bank card number or mobile phone number. All risks associated with incorrect use of the service are borne by the user.

11. Force Majeure

11.1. Neither the User nor the Service will be liable to each other for delays or non-fulfillment of their obligations resulting from force majeure circumstances, including natural disasters, fire, floods, terrorist acts, changes of power, civil unrest, as well as non-functioning of Payment systems, systems power supply, communication networks and Internet service providers.

12. Final provisions

12.1. The parties entered into this Agreement in electronic form and recognize it as legally binding contract concluded in writing.

12.2. The Service has the right to send the User information on the status of the exchange process, as well as other information, including advertising, to the e-mail specified by him.

12.3. All disputes and disagreements arising or likely to arise from this Agreement shall be resolved through negotiations on the basis of a written statement by the User. Any of the Parties has the right to apply for a dispute to the court at the location of the Service.

Information on the site, including graphic images, text information, program codes, etc. is the property of topcash24 and is protected by copyright laws. Each case of unauthorized copying (full or partial) can be prosecuted under the current legislation of copying, distribution, as well as from other illegal actions.

Not found