Exchange Rules and Regulations

Section 1: General Provisions

1.1. Subject of the document

These Exchange Rules (hereinafter referred to as the Rules) govern the procedure and conditions for carrying out exchange transactions with digital assets, fiat funds and other valuables (hereinafter referred to as Transactions) carried out using the Coinmoneyhub online service (hereinafter referred to as the Service, CMH), accessible at https://coinmoneyhub.com. The exchange rules establish uniform guidelines aimed at ensuring compliance with legal requirements, as well as AML/KYC standards and CMH's internal security policy. All users of the service are required to familiarize themselves with the current restrictions before initiating any transactions, and use of the service automatically constitutes acceptance of these terms.

1.2. Relationship with the User Agreement and AML/KYC Policies

By using the Service and creating an exchange request, the Client confirms that they have read these Rules, fully accept their terms, and undertake to comply with the User Agreement and AML/KYC Policy published on the website of this Service.

1.3. Coinmoneyhub service status

Coinmoneyhub service is a technological platform (service) that facilitates the exchange of digital assets between the Client and the Service at a fixed rate. The Service is not a bank, payment system, or electronic money operator, and does not store client funds or provide funds management services.

1.4. Procedure for conducting transactions

All exchange transactions are carried out exclusively upon the Client's request, created through the website interface, where the Client is provided with payment details in the request details. The Service is not responsible for any financial transactions, payments, or transactions conducted outside the Service.

1.5. Definition of the term client

Client - is an individual who has reached the age of majority (18 years), has full conscious legal capacity, accepts these Rules and carries out exchange transactions using the Service.

1.6. Definition of the term application

Bid - is an electronic order from the Client, generated on the Service website, which specifies the exchange parameters: direction, amount, details and other necessary data.

1.7. Determination and moment of fixing the exchange rate

Well - is the exchange rate between the selected assets, established by the Service at the time of the transaction and fixed in accordance with Section 3 of these Rules.

1.8. Definition of the term fees

Fees - these are the service's operational costs for processing transactions, including payment system fees and network fees. The fees amount is displayed when creating a request and is final at the time of confirmation.

1.9. Acceptance of the offer

Use of the Service constitutes acceptance (consent) to the public offer set forth in these Rules. If the Client disagrees with any provision of the Rules, they must cease using the Service.

1.10. Procedure for entry into force of amendments

The Service reserves the right to amend these Rules unilaterally. Amendments will take effect upon their publication on the website. The updated version automatically replaces the previous version without further notice to the Client.

Section 2: Submitting applications

2.1. Creating a transaction request

A transaction request is submitted by the client on the official Coinmoneyhub website. To submit the request, the client specifies the exchange direction, amount, and payment details for receiving the funds, and confirms the entered information.

2.2. Confirmation of the correctness of the data by the client

By submitting an application, the client confirms that all the information provided is correct, belongs to him personally, and does not violate the requirements of these Rules, the User Agreement, and the AML/KYC policy.

2.3. Prohibition on the use of third-party details

Using third-party (relatives, friends, partners, organizations, etc.) account details is strictly prohibited. All transactions must be conducted exclusively using the client's own account details.

2.4. The service's right to additional identification

Coinmoneyhub reserves the right to request additional client identification if a transaction raises suspicion, exceeds limits, or is subject to AML/KYC control procedures.

2.5. Providing the client with details and an application number

After creating an application, the client is provided with a unique number and payment details. This information is available in their personal account or on the application status page.

2.6. Application validity period

The application validity period is specified in the application details and may have different payment deadlines depending on the application. Within this period, the client must make payment using the details provided by the service.

2.7. Cancellation of an application upon expiration of the deadline

If funds are not received within the application's validity period, it is automatically cancelled. In this case, the transaction details specified in the application become invalid.

2.8. Actions of the service upon receipt of funds after the expiration of the term

If funds are received after the expiration of the application period, the service has the right to:

• recalculate the exchange rate based on the current market value at the time of payment;
• return funds to the client minus network fees and payment system costs.

2.9. Client's responsibility for the accuracy of data

The client is fully responsible for the accuracy of the entered data, including the sender and recipient details. The service is not liable for any losses incurred due to client errors when completing the application.

2.10. Suspension of an application due to suspicious activity

The service reserves the right to suspend the execution of an application until confirmation of all data is received or if suspicious activity on the part of the client is detected.

2.11. Client's consent to the Rules and policies of the service

By submitting an application, you agree to these Exchange Rules, the User Agreement, and the AML/KYC policy.

2.12. Transaction limits

Each transaction on Coinmoneyhub has minimum and maximum limits, which depend on the selected exchange direction, the asset transfer network, and available reserves. Information on current limits is indicated on the exchange page (in the calculator details) and is displayed to the client before submitting an application. The service reserves the right to change limits without prior notice.

Section 3: Fixing the course

3.1. The moment of fixing the rate

The exchange rate is fixed at the time of the request, namely, at the moment the funds are received at the specified payment details of the service, unless otherwise provided by the terms of a specific exchange direction.

3.2. Calculating the exchange rate when submitting an application

When submitting an application, the client sees the exchange rate calculated automatically based on data from leading exchanges and market aggregators.

3.3. Differences between fixing the rate and the moment the application is created

The exchange rate is not fixed at the time of application creation. The exchange rate is fixed only at the time of payment for the application during the application period.

3.4. Receipt of funds after the expiration of the application

If funds are received after the expiration of the application period, Coinmoneyhub reserves the right to recalculate the exchange rate based on the current market value at the time of receipt of funds.

3.5. Market fluctuations and rate fixing

During strong market fluctuations (high volatility), the service does not suspend the exchange rate fixing at the time of the transaction.

3.6. Exchange rate taking into account the cost of the transaction

In certain exchange directions, a rate adjusted for the transaction cost may be used, whereby the final settlement is made using the rate adjusted for the transaction cost in the service calculator at the time the exchange request is created.

3.7. Service liability for changes in market rates

Coinmoneyhub is not responsible for changes in the market rate that occur after the order is submitted if the client fails to make payment within the specified timeframe.

3.8. Technical failures and course corrections

In the event of technical failures affecting the correct display of the exchange rate, the service reserves the right to cancel the request and subsequently notify the client and offer a refund or exchange taking into account the exchange rate changes.

Section 4: Processing / conducting a transaction

4.1. Transfer of the original currency by the client to the service details

The client undertakes to transfer the initial currency to the details provided by Coinmoneyhub during the application process. The requested amount must be paid in full and without using third-party details.

4.2. Confirmation of receipt of funds by the service

Coinmoneyhub automatically confirms the receipt of funds by specifying a special status (the minimum required number of network confirmations) in the request upon receipt of funds. Confirmation of receipt of funds is considered the start of transaction processing.

4.3. Starting transaction processing after funds are received

Transaction processing begins only after the funds have been fully received. Any actions by the service prior to receipt of funds do not constitute the start of the request.

4.4. Transaction timing

The time it takes to complete a transaction after funds have been received at the specified account depends on the exchange direction, the type of digital asset, the network used, and the speed at which the payment system processes the transaction.

4.5. Notifying the client about the transaction status

Coinmoneyhub notifies clients of the current transaction status via their personal account and to the email address provided during account registration. Notifications include: confirmation of funds receipt; transaction completion; and request closure upon expiration of the payment deadline.

4.6. Automatic completion of a transaction

A transaction is considered complete after the resulting currency has been successfully transferred to the client's account and this action has been registered in the details of the submitted exchange request.

4.7. Processing incomplete or incorrect transactions

If funds are partially received, Coinmoneyhub will automatically recalculate the payout amount at the current exchange rate at the time of receipt and complete the transaction automatically. If the client enters incorrect payment details, the service will not be liable for any payments made to the incorrect details.

4.8. Procedure in case of delayed network or payment system confirmations

If a transaction is delayed due to technical issues with the network or payment system, the service monitors the status until it is fully confirmed. In the event of a significant delay (more than 24 hours), the request may be automatically closed. However, once the funds have been credited to the service's payment details, the client has the right to choose manual processing of the transaction, with the option of crediting the final amount based on the calculation at the time of receipt, or returning the funds to the original payment details.

4.9. The service's right to suspend a transaction upon detection of suspicious activity

Coinmoneyhub reserves the right to suspend a transaction to verify client data in the event of suspicious activity, the digital asset being used for shady transactions, or the involvement of those violating AML guidelines, splitting payments, or exceeding limits. The transaction will only be resumed after verification. Coinmoneyhub complies with international AML/CFT standards and reserves the right to refuse service without explanation if the transaction or source of funds raises reasonable suspicions.

4.10. Responsibility of the client and the service for the correctness of the transaction

The Client is responsible for the accuracy of all entered data, the timely transfer of funds, and compliance with Coinmoneyhub's rules. The Service is responsible for the correct execution of the transaction within the limits of the funds received and in compliance with these Rules.

Section 5: Payment for the application by the client

5.1. General terms of payment

The client must pay for the order exclusively using the details provided by Coinmoneyhub after creating the order. If any other details are used, not obtained from the order details created by the client using their Coinmoneyhub account, the transaction will not be processed.

5.2. Terms of depositing funds

The Client undertakes to make payment within the order validity period specified in Section 2 of these Rules. Upon expiration of this period, the order is cancelled, and the exchange terms become invalid until a new exchange order is submitted.

5.3. Payment methods and their features

Payment can be made using bank cards, IBAN accounts, or by sending cryptocurrency. Each payment method has its own requirements, limits, and fees, which are indicated when calculating the amount for a specific exchange direction using the calculator.

5.4. Payment by bank cards

To pay by bank card, the client must confirm that the card is theirs. Coinmoneyhub reserves the right to request a one-time card verification. Payments from third-party cards are not accepted.

5.5. Payment from IBAN accounts

When paying from a bank account, the client is required to confirm ownership of that account. Coinmoneyhub reserves the right to request documents confirming ownership of the specified account.

5.6. Payment by cryptocurrency

The client undertakes to transfer cryptocurrency to the specified network address in the exact amount specified in the request. The network fee is paid by the client and is included in the calculations when creating the request using the system calculator. Coinmoneyhub is not responsible for any loss of funds if they are transferred to another network or an incorrect address.

5.7. Commissions and network fees

All payment system fees and network charges are borne by the client. The final deposit amount is determined after deducting network, bank, and payment system fees.

5.8. Payment restrictions and prohibitions

Splitting payments into multiple transfers, using third-party payment methods, or sending funds from anonymous or corporate sources is prohibited. Violating these terms may result in the transaction being blocked and a refund minus any applicable fees.

5.9. Erroneous and partial payments

If a client sends an incorrect amount, provides incorrect payment details, or pays only a partial amount, Coinmoneyhub reserves the right to suspend processing until further details are clarified. Refunds of erroneously sent funds, provided they are credited to the service's account, are made minus network fees and administrative costs.

5.10. Conditions for late payment

If funds are received after the order expiration date, Coinmoneyhub reserves the right to recalculate the exchange rate based on the current market value or refund the funds to the client. Automatic processing of the order does not occur if the order expiration date has passed. Refunds are made minus network fees and other costs associated with processing the transaction.

Section 6: Conditions for exchanges with cash

6.1. Procedure for conducting exchanges using cash

Cash exchange is only possible after submitting an application on the Coinmoneyhub website. After submitting an application, the client receives payment details for purchasing cryptocurrency or exchanging digital assets for fiat (cash) through a designated exchange point.

6.2. Procedure for fixing the exchange rate when exchanging cash

The exchange rate is fixed after the full payment has been made at the exchange office or the cryptocurrency payment has been made using the details specified in the application. The application details display the amount to be withdrawn, the address of the exchange office, and the secret code for receiving or depositing cash.

6.3. Processing and fulfillment times for applications with cash

The processing and payment time for your application is determined by the details provided in the application itself. Clients should adhere to the timeframes specified in the application details, which serve as a guideline for the exchange and receipt of funds.

6.4. Minimum and maximum limits on amounts when exchanging cash

Each transaction has minimum and maximum exchange amounts, which are displayed in the calculator when creating an order. Coinmoneyhub reserves the right to change these limits without prior notice.

6.5. Terms of payments and sending funds in case of partial payment

Coinmoneyhub sends digital assets or fiat funds only after full payment has been received for the submitted order. In the event of partial payment, the service reserves the right to recalculate the order and fulfill it for the amount of funds actually received.

6.6. Format for receiving consultations on applications and interaction with the manager

After paying for the application, the client can contact the support team or the contact information provided in the "Contacts" section for assistance. All questions regarding the application's processing and status are resolved with the assistance of a manager and are recorded in the system for transparency of the exchange transaction.

Section 7: AML/KYC and prohibitions

7.1. Mandatory customer identification (KYC)

Coinmoneyhub reserves the right to request documents and information from the client at any time to confirm their identity and source of funds. Typical requirements may include, but are not limited to, passport/ID, a photo of the cardholder holding the document, proof of address (utility bill or bank statement), proof of bank card/account ownership (photo of the bank card — front side only), screenshots of receipts, invoices, photo/video verification. The client undertakes to provide the requested information within the specified timeframe. Refusal or failure to provide the requested information will result in suspension (freezing) of the transaction, blocking of the application, or denial of service.

7.2. Extended and additional verification

In cases of increased risk (suspicious payment schemes, transactions from/to high-risk jurisdictions, use of questionable details, or the client's presence on sanctions or PEP lists), Coinmoneyhub reserves the right to request additional verification and conduct a more detailed check. A detailed check may include a request for bank statements, proof of source of funds, contracts, and other documents. The transaction may be suspended until such a check is completed.

7.3. Prohibitions on types of activities and purposes of using the service

The Client undertakes not to use the Coinmoneyhub service for activities related to money laundering, terrorist financing, human trafficking, distribution of illegal content, trafficking in prohibited substances (drugs, weapons, etc.), tax evasion, fraud, or other illegal purposes. Any suspicious activity will result in immediate suspension of the transaction and blocking of access to the service.

7.4. Sanctioned and prohibited jurisdictions, lists and categories of clients

Coinmoneyhub verifies clients and their details for compliance with international sanctions lists and domestic ban lists. Service to clients from countries or regions subject to sanctions or other bans may be limited or completely prohibited. The client acknowledges that the service reserves the right to refuse service to individuals and organizations on sanctions lists or subject to other bans. More detailed information can be found in the section AML Policy.

7.5. Transaction monitoring and automated detection of suspicious activity

Coinmoneyhub continuously monitors transactions using automated systems and analytics to identify patterns, anomalies, and suspicious activity (including excessive payment splitting, recurring atypical transactions with high exchange rates, and client profile mismatches). If monitoring rules are triggered, a transaction can be suspended and submitted for manual review.

7.6. Actions upon detection of suspicious activity

If Coinmoneyhub suspects illegal activity, it reserves the right to suspend the transaction, freeze funds, request additional documents, refuse service, or initiate a refund to the sender's account (minus the commission). The service will inform the client of the progress of its investigations through available channels whenever possible, but may be limited in disclosing information due to confidentiality requirements or other restrictions.

7.7. Data processing and storage, interaction with regulatory authorities

The client consents to the processing and transfer of personal data and necessary transaction information to partner institutions (banks, payment providers, verification partners) to the extent necessary to fulfill AML/KYC obligations. Coinmoneyhub stores data on its users' activities in accordance with its internal data retention policy.

7.8. Consequences of non-compliance with AML/KYC requirements

Failure to comply with AML/KYC requirements, providing false documents, or attempting to conceal the origin of funds will result in consequences including denial of service, account blocking, withholding or refund of funds minus fees and expenses, notification of competent authorities, and possible legal action. The decision on appropriate action is made by Coinmoneyhub's security team based on the results of the investigation.

7.9. The Client's Obligations and Rights

The Client undertakes to provide accurate and complete information and cooperate with any investigations. The Client has the right to appeal the suspension/blocking decision by submitting a formal request through customer support. Coinmoneyhub will review the request within the timeframe established by the regulations and provide a reasoned response, outlining possible resolution options.

7.10. Transparency and public explanations

Coinmoneyhub publishes a description of its website’s AML/KYC policies and contact information for verification questions. Detailed internal procedures and risk assessment criteria are proprietary information and are not subject to public disclosure in full to prevent circumvention of controls and checks.

Section 8: Responsibilities of the parties

8.1. Responsibility between the Client and the Service. General principles

Coinmoneyhub and the client are responsible for fulfilling their obligations under these Exchange Rules. Each party is obligated to act in good faith, provide accurate information, and comply with the established regulations.

8.2. Responsibility for the accuracy of the details provided by the client

The client is fully responsible for the accuracy and correctness of the details provided when creating an application. Any errors in addresses, card numbers, wallets, or other information are the client's responsibility. The service does not refund funds sent using incorrect details.

8.3. Responsibility for sending funds to third-party accounts

Using third-party payment details is prohibited. All transactions must be conducted exclusively using the client's own payment details. If this condition is violated, Coinmoneyhub is not responsible for any losses and reserves the right to cancel the request.

8.4. Accuracy of the data provided by the client

The client guarantees that all information provided, including personal and payment details, is accurate and current. If inaccurate information is discovered, the service reserves the right to suspend the transaction or block the client pending investigation.

8.5. Responsibility for delays caused by external factors

Coinmoneyhub is not responsible for delays caused by actions or failures of external organizations, such as banks, payment systems, crypto networks, or partner services. Such circumstances do not constitute a breach of obligations on the part of Coinmoneyhub.

8.6. Violation of exchange rules and terms of service use

If a client violates these Rules, the User Agreement, or the AML/KYC policy, the service reserves the right to refuse service, block the application or account, and withhold funds to cover the costs associated with investigating the incident.

8.7. Settlement of disputes

All disputes are resolved based on data recorded in the Coinmoneyhub system, including transaction history, client correspondence, and technical logs. Decisions are made by the service's support team based on the actual circumstances.

8.8. Circumstances excluding the service's liability

The service is not responsible for consequences caused by force majeure circumstances, such as network failures, hacker attacks, payment operator malfunctions, financial market fluctuations, restrictions imposed by regulators, or other external factors beyond the control of Coinmoneyhub.

Section 9: Prohibitions and restrictions

9.1. General Provisions on Restrictions

The restrictions apply to all types of transactions, including the purchase, sale, and exchange of digital assets. Their primary goal is to prevent illegal transactions, minimize risks, and ensure customer protection and the service's reputation.

Coinmoneyhub reserves the right to change or expand the list of restrictions without prior notice if required by law, regulatory requirements, or internal anti-money laundering procedures. In certain cases, Coinmoneyhub may restrict a client's access to transactions to conduct additional verification of identity, source of funds, or a specific transaction.

Violation of established restrictions is considered a serious violation of the terms of service and may result in temporary or permanent blocking of access, freezing of funds, and the transfer of information to competent authorities in cases stipulated by current legislation.

9.2. Prohibited operations and activities

Coinmoneyhub prohibits the use of the service for any transactions that may be related to money laundering, terrorist financing, tax evasion, evasion of international sanctions, fraud, or any actions that violate the laws of the client's country of residence or international standards. Clients are prohibited from using the service for transactions related to the illegal trafficking of narcotics, weapons, counterfeit goods, child pornography, human trafficking, extortion, distribution of malware, or for receiving proceeds of crime.

Coinmoneyhub does not provide services to clients residing or operating in countries subject to international sanctions. The service reserves the right to expand or change the list of prohibited countries without prior notice to users.

Transactions involving third parties not specified in the application, as well as the use of fictitious or anonymous account details, are prohibited. The service reserves the right to refuse to process a request or block access to an account if it has reason to believe that the transaction may be related to illegal activity or poses a risk of violating applicable regulations.

Funds received from sanctioned sources or from platforms that violate AML/KYC requirements will not be accepted for processing. If such funds are received, Coinmoneyhub reserves the right to suspend processing until verification of the source of the funds is completed, and if violations are detected, to freeze the transaction and deny service.

Any attempt to circumvent established restrictions, including creating multiple accounts, using a VPN, or using fictitious registration data, is considered a violation of the service rules and may result in account blocking without the possibility of recovery or further operations.

9.3. Restrictions on countries and jurisdictions of service

Coinmoneyhub does not service clients located or registered in jurisdictions subject to international sanctions or deemed high-risk by AML/KYC criteria. Any access from IP addresses located in these jurisdictions or account registration within them is considered a violation of the rules and may result in application cancellation and account blocking. The current list of countries subject to OFAC/EU/UK/UN sanctions can be found on the "Sanctioned Countries List" page, as well as in the list below:

• Democratic People's Republic of Korea (North Korea);
• Iran;
• Syrian Arab Republic (Syria);
• Cuba;
• Russian Federation;
• Republic of Belarus;
• Venezuela;
• Myanmar (Burma);
• Sudan;
• South Sudan;
• Libya;
• Yemen;
• Afghanistan;
• Eritrea;
• Zimbabwe;
• Central African Republic;
• Democratic Republic of the Congo;
• Somalia;
• Lebanon;
• Nicaragua;
• Mali;
• Ethiopia;
• Palestine;
• Burundi.

9.4. Restrictions for persons from sanctioned jurisdictions

Coinmoneyhub does not service users located in countries or jurisdictions subject to international sanctions or considered to be at high risk of being used for illegal activities. Any account registered from IP addresses in sanctioned countries, or any user attempting to register using a residential address in such jurisdictions, will be blocked, and transactions will be rejected.

The list of sanctioned and prohibited countries also includes a ban on servicing temporarily occupied and annexed territories of Ukraine, control over which was temporarily obtained by military means, as well as any other jurisdictions subject to sanctions by international organizations or regulatory bodies.

Coinmoneyhub reserves the right to expand the list of prohibited jurisdictions and temporarily suspend access to the service for users with IP addresses in these countries without prior notice. Users are responsible for ensuring that they do not violate these restrictions when registering and using the service.

9.5. Prohibited sources of funds

Coinmoneyhub does not accept funds or conduct transactions using platforms, services, or resources deemed high-risk, prohibited, or sanctioned, or from sources associated with illegal activity. Any transactions involving such platforms or resources will be blocked, and the user's account may be temporarily or permanently suspended.

The current list of platforms and services subject to the ban can be found on the "List of Prohibited Platforms and Services" page, as well as in the list below:

• Grinex.io;
• Bitpapa.com;
• Capitalist.net;
• Nobitex.ir;
• Rapira.net;
• Meer.kg;
• 1xbet and all related entities;
• Aifory.pro;
• Terminal.cash;
• SkyCrypto.net;
• FlashObmen.com;
• 60cek.net;
• HD-change.com;
• CoinBlinker.com;
• Metka.cc;
• AlfaBit.org;
• Heleket;
• Garantex;
• Hydra;
• Blender.io;
• Lazarus Group;
• Genesis Market;
• ChipMixer;
• Shinbad;
• Bitzlato;
• Netex24.net;
• BTC-e/FinCEN.

Furthermore, any platforms that cease operations but retain historical links to previously processed transactions are also subject to a ban on new transactions. Coinmoneyhub requires users to acknowledge their familiarity with this list when creating each exchange request and not to attempt to circumvent these restrictions by using VPNs, proxies, or other tools to mask geolocation or the source of funds. Any attempt to violate this ban may result in account blocking, withholding of funds, and denial of service.

9.6. Restrictions on accepting funds from anonymous and high-risk platforms

Coinmoneyhub does not accept funds from platforms and services classified as anonymous, high-risk, or associated with potentially illegal activity. These sources include, but are not limited to, cryptocurrencies with enhanced anonymity (e.g., XMR, ZEC, DASH, MWC), mixing platforms, decentralized exchanges (DEX), Tor browsers, and darknet resources associated with money laundering, fraud, or the distribution of prohibited content.

All incoming transactions undergo automatic and, if necessary, manual verification to identify high-risk sources. If suspicious transactions are detected, Coinmoneyhub reserves the right to suspend the transaction pending clarification and to request supporting documents from the client, including full KYC verification and proof of source of funds.

Users are prohibited from using such platforms to send cryptocurrency to the Coinmoneyhub exchange service, or to conduct exchange transactions through Coinmoneyhub. Failure to comply with this rule will result in the blocking of such transactions and possibly even the account, as well as the cancellation of all unprocessed transactions.

9.7. Prohibition on use of the service by third parties

Coinmoneyhub prohibits the use of aggregators or third parties to circumvent standard verification procedures, source of funds restrictions, or any other AML/KYC requirements. Clients are required to conduct all transactions through their own account on the Coinmoneyhub platform and not share their details, access, or authority with third parties to perform exchange or deposit transactions.

Using intermediaries, friends, relatives, agents, or any other parties to conduct transactions may be considered an attempt to circumvent security procedures and controls. All transactions initiated through third parties may be suspended, frozen, or cancelled, and the client's account may be blocked pending investigation.

Furthermore, Coinmoneyhub reserves the right to request additional supporting documentation for transactions conducted through third parties, if any, including proof of the source of funds and the purpose of the transaction. The Client is fully responsible for all actions performed using their account, even if performed by third parties with their consent.

9.8. Restrictions on the use of the service to bypass AML/KYC procedures

Coinmoneyhub strictly prohibits any actions aimed at circumventing identity verification procedures, verifying the source of funds, or other AML/KYC requirements. Clients are prohibited from using the service through fake accounts, other people's details, virtual or anonymous payment methods to disguise the origin of funds, evade limits, or conduct high-risk transactions without undergoing full verification.

Any attempt to bypass security procedures is considered a violation of the rules and may result in immediate transaction suspension, account blocking, and withholding of funds pending investigation. Coinmoneyhub reserves the right to request additional supporting documents, including copies of identification documents, fund statements, and proof of the legal origin of the assets.

The client is fully responsible for compliance with AML/KYC rules, including all actions taken using their account. Any attempt to circumvent these procedures does not relieve the client of liability and is considered a serious violation of the terms of service.

9.9. Requirements for the source and purpose of client funds

All funds deposited into and withdrawn from Coinmoneyhub must be of legal origin and used exclusively for purposes permitted by the platform's rules. Clients are required to provide accurate information regarding the origin of their funds, including confirmations from banks, payment systems, or other official sources, if required to verify the transaction.

The purpose of funds must be transparent and consistent with the stated purpose of the exchange or payment. Any transactions related to money laundering, terrorist financing, illicit trade, or other illegal activities are prohibited.

Coinmoneyhub reserves the right to request additional information from the client regarding a specific transaction, including documents confirming the legitimate source and purpose of the funds, as well as counterparty information. Transactions may be suspended until complete information is provided.

The client is responsible for the accuracy of the information provided and undertakes to cooperate with Coinmoneyhub during all checks, providing the necessary documentation to confirm the legitimacy of the transactions. Failure to comply with these requirements may result in the transaction being suspended, the account being blocked, and funds being withheld pending investigation.

9.10. Client's liability for violation of restrictions and prohibitions

The Client is solely responsible for complying with all rules, restrictions, and prohibitions established by Coinmoneyhub. Use of the service in violation of these requirements is considered a serious violation of the Terms of Service.

If a client conducts transactions related to sanctioned countries, anonymous sources, high-risk platforms, or other prohibited areas, Coinmoneyhub reserves the right to suspend the transaction, block the account, and withhold funds pending an internal investigation.

If it is determined that a client has knowingly used the service to circumvent AML/KYC procedures, finance illegal activities, or conceal the true origin of funds, Coinmoneyhub reserves the right to cancel the relevant transactions and refuse further service without compensation for any potential losses suffered by the client.

Furthermore, the client is responsible for all consequences resulting from the provision of false information, the use of proxies, third-party wallets, and any actions that result in a violation of anti-money laundering laws.

Coinmoneyhub is not liable for any damages incurred by clients as a result of blocked or cancelled transactions if such actions were caused by a violation of these rules. All such measures are aimed solely at complying with security standards and international AML/KYC requirements.

Section 10: Returns and cancellations of applications

10.1. General principles of returns and cancellations of applications

Refunds and cancellations of Coinmoneyhub applications are governed by these Rules and the current user agreement. The right to a refund arises only if the conditions described in the relevant subclauses of this section are met. All refund decisions are made by Coinmoneyhub's support and security teams based on data recorded in the system (application history, transaction logs, verification data, and Blockchain system data) and subject to applicable AML/KYC restrictions. Refunds are made only to the details from which the transaction was originally initiated.

10.2. Refund Policy for Customer Errors

If a client entered payment details incorrectly when submitting a request, and the transfer has not yet been processed or debited by the recipient's system, Coinmoneyhub may consider a refund or correction request, provided the client promptly contacts them and confirms their identity. To initiate a refund, the client must submit a request to technical support, briefly explaining the error. Refunds due to client error are only possible if the funds have not physically left the account controlled by the service and have not been transferred to the counterparty/provider. If the client made an error in entering the recipient's details (incorrect wallet address, card number, etc.) and the funds were transferred to an external system, Coinmoneyhub cannot process the refund and reserves the right to refuse the refund if it is technically impossible to recall the transfer or otherwise return the funds.

10.3. Refund procedure for unfulfilled or cancelled applications

Refunds for unfulfilled or canceled requests are processed after the payment status is verified and no funds have been debited. Once the transaction is confirmed to be unfulfilled, Coinmoneyhub initiates a refund to the client's original payment details in accordance with the procedure established by the payment system or blockchain network. In the case of a cryptocurrency refund, funds are returned to the address from which they were received, minus the network fee. In the case of a fiat refund, the refund is made to the sender's account/card/IBAN, minus the fees, if stipulated by the rules (see Section 10.4). If a refund to the original payment details is not possible, Coinmoneyhub does not make payments to alternative payment details.

10.4. Retention of commission upon refund

When refunding funds, Coinmoneyhub reserves the right to withhold a processing fee and other actual costs incurred in connection with the transaction (including payment provider fees, bank fees, and blockchain network fees). The amount of the withheld fee depends on the currency type and exchange direction. The standard fee in effect at the time of transaction processing applies. The fee is deducted from the refund amount. Coinmoneyhub does not charge any fees for using the exchange service in the event of a refund.

10.5. Cases in which return is not possible

Refunds are not possible in the following typical cases:

1. The funds requested have already been finally transferred and secured by the recipient (for example, the cryptocurrency has been sent to the blockchain and confirmed, the fiat payment has been transferred to the recipient’s account and cannot be revoked);
2. Money or cryptocurrency was transferred from prohibited services or platforms;
3. The refund is contrary to the requirements of applicable law or is prevented by restrictions, AML/KYC directives and policies;
4. The Client provided false information or refused to undergo the required verification necessary to carry out the return;
5. The RiskScore of the incoming cryptocurrency is higher than the permissible limit, as a result of which any processing of this digital asset becomes impossible.

In these situations, Coinmoneyhub informs the client of the reasons for the refusal and of available options for further action, if any.

10.6. Cancellation of an application at the client's initiative

The client can initiate a request cancellation before the transaction enters the irreversible execution phase (e.g., before the cryptocurrency is sent to the blockchain or the fiat payment is transferred from the current account). To cancel before a certain point, the client can use the corresponding button in the request details in their personal account. Cancellation is possible provided there are no technical or compliance obstacles (e.g., an active deposit block, AML suspicions, etc.). If the request is successfully canceled, Coinmoneyhub will process the refund at the client's request in the manner specified in Section 10.3, subject to the fee provisions (see 10.4).

10.7. Cancellation of an application at the initiative of the coinmoneyhub service

Coinmoneyhub reserves the right to unilaterally cancel or void an application in cases stipulated by the Rules: if violations of the terms of service are detected, if fraud is suspected, if AML/KYC systems are triggered, if attempts to circumvent limits are detected, or if payment is not made on time within the specified time. Cancellations initiated by the service are accompanied by notification to the client via their personal account and email (if available), followed by a subsequent refund procedure in cases where a refund is technically possible (see 10.3 and 10.4). In the event of cancellation, for security reasons, Coinmoneyhub reserves the right to withhold funds or delay a refund until an internal investigation is completed.

10.8. Return processing times and customer notification

Refund processing times depend on the asset type and the payment infrastructure used: cryptocurrency refunds - from the decision to the actual sending of the transaction to the network, within the time required for transaction generation and confirmation; fiat refunds - in accordance with the regulations of banks and payment providers. Coinmoneyhub strives to process refund requests promptly, but is not responsible for delays caused by external payment systems or blockchain networks. The client is notified of the request's progress and outcome via their personal account and to the email address specified in their profile. If additional documents or confirmations are required to process a refund, the processing time begins when all necessary materials are received from the client.

10.9. Liability of the parties for refunds

The Client is responsible for the accuracy of the specified refund details and for the timely provision of all necessary documents for the transaction. Coinmoneyhub is responsible for the proper and diligent execution of the refund procedure within the limits of funds received and controlled by it, except in cases where a refund is impossible for the reasons specified in Section 10.5 or where delays are caused by external factors. All disputes related to refunds are resolved in accordance with the terms of the service (see the dispute resolution section), based on the data contained in the system and the documents submitted by the parties.

10.10. Special conditions for returns in case of technical failures or force majeure

In the event of system failures, large-scale attacks on infrastructure, significant disruptions to payment providers, emergencies, or other force majeure situations, Coinmoneyhub may temporarily suspend refund processing until the consequences of such events are resolved. In such situations, the service will take all reasonable measures to minimize damage and resume operations, but will not be liable for client losses caused by force majeure to the extent permitted by applicable law. Clients will be notified of the incident and the estimated timeframe for service restoration via available communication channels.

Section 11: Procedure for considering controversial situations

11.1. General principles for considering appeals

Coinmoneyhub provides a transparent process for resolving any disputes or customer inquiries related to exchange transactions, application processing, refunds, or technical errors. All inquiries are reviewed individually, taking into account the actual data recorded by the system, and in accordance with the current Rules and User Agreement.

11.2. Channels for communication and filing appeals

Customers can contact Coinmoneyhub support through the following official channels:

• Online chat on the service website;
• Support email: info@coinmoneyhub.com;
• Feedback form in your personal account.

Requests submitted through third-party or unofficial channels will not be considered. To expedite processing, clients are required to provide the request ID, contact information, and a detailed description of the situation.

11.3. Timeframes for consideration of applications

The initial response from our support team is typically up to 24 hours from the receipt of your request. A full review of requests requiring transaction data verification, interaction with payment partners, or additional verification may take up to 5 business days. In certain cases, related to technical issues or AML/KYC requests, the review period may be extended, of which the client will be notified separately.

11.4. Procedure for recording and processing disputes

All requests are logged in the Coinmoneyhub ticket system and assigned a unique number for subsequent tracking. If necessary, the service may request additional documents from the client confirming the transaction or the details of the parties. A decision on a dispute is made based on an analysis of system logs, transaction history, and correspondence with the client, as well as the facts and circumstances of the events that led to the dispute.

11.5. Priority of regulatory documents

In the event of any discrepancy or ambiguity between the information on the website, the description of services, correspondence with a manager, and the current Rules or User Agreement, the provisions of the User Agreement and the Rules of the Coinmoneyhub exchange service always prevail. Any other clarifications not set forth in official documents are for informational purposes only and cannot serve as grounds for changing or interpreting the obligations of the parties.

11.6 Completion of review and notification to the client

Once the review is complete, the client receives a reasoned response outlining the decision, the final status of the application, and any subsequent actions (refund, recalculation, refusal, request for additional information, etc.). The decision is considered effective from the moment it is sent to the client's email address or published in a private chat conversation.

Section 12: Force majeure

12.1. The concept of force majeure circumstances

Force majeure circumstances are defined as events or situations beyond Coinmoneyhub's reasonable control that prevent it from fulfilling its obligations to clients. These circumstances include any events that could not have been foreseen, prevented, or avoided under normal business conditions.

12.2. List of force majeure circumstances

Force majeure circumstances include:

• Interruptions in the operation of communication networks, the Internet or blockchain networks;
• Failures in the operation of providers, data centers, payment systems or partners;
• DDoS attacks and other cyber attacks that result in the inability to function of the service;
• Infrastructure failures, technical equipment failures;
• Natural disasters, wars, epidemics, and other emergency situations that go beyond the normal functioning of the service.

12.3. Cases for which the service is not responsible

Coinmoneyhub shall not be liable for any losses, delays, non-receipt of funds, or failure to complete a transaction caused by the action or consequences of the above force majeure circumstances, as well as:

• Suspension or restriction of the work of partner services;
• Unavailability of blockchain networks, transaction confirmations, or increased network fees;
• Temporary restriction of access to the service due to technical reasons;
• Inability to fulfill obligations due to sanctions restrictions or regulatory requirements.

12.4. Service actions in the event of force majeure

In the event of force majeure, Coinmoneyhub undertakes to take all reasonable and possible measures to minimize their consequences and restore service functionality. If necessary, the service may temporarily suspend application processing, transaction processing, or access to certain functions until the circumstances preventing normal service operation are resolved.

12.5. Restoration of work after elimination of circumstances

Once the force majeure event ceases, Coinmoneyhub will resume fulfilling its obligations as soon as possible. The deadlines for fulfilling previously submitted requests may be extended proportionally to the duration of the force majeure event, without penalties or compensation to clients.

12.6. Informing customers about possible interruptions

Coinmoneyhub informs clients of the occurrence and nature of force majeure events whenever possible via the official website, email, or other communication channels. However, failure to notify cannot be considered a violation by the service if notification was impossible for technical or other objective reasons.

Section 13: Final Provisions

13.1 Right to make changes

Coinmoneyhub reserves the right to unilaterally amend, supplement, or clarify these Terms and Conditions without prior notice to clients. All amendments are considered effective upon publication on the service's official website coinmoneyhub.com on this page.

13.2. The Client's Responsibility to Familiarize Themselves with Updates

The Client is responsible for monitoring the current version of the Rules on the Coinmoneyhub exchange website. Continued use of the service after changes have been made constitutes the Client's full agreement with the current and effective version of the Rules.

13.3. Moment of entry into force of the Rules

These Rules shall come into force from the moment of their publication on the official website of the service coinmoneyhub.com and remain in effect until they are cancelled or replaced by a new version.

13.4. Applicable law and priority of documents

Any matters not regulated by these Rules are governed by the current legislation applicable to the jurisdiction where Coinmoneyhub is registered. In the event of any conflict between the provisions of these Rules and other service documents, the most recently published version of the Rules shall prevail.

Last updated: February 2, 2026