Service Rules

RULES

This regulatory document (hereinafter referred to as the "Agreement" or "Offer") establishes the rules and fundamental conditions under which the multi-currency platform 2rbina.net (hereinafter referred to as the "Service") provides its services. By its legal nature, this text constitutes an open public offer addressed to any person intending to utilize the Service's capabilities (hereinafter referred to as the "User") for the purpose of concluding a service agreement under the rules set forth below. Prior to commencing interaction with the platform, the User bears the unconditional obligation to carefully review all provisions of this Agreement. The Service grants access to its functionality solely upon the User's full and unconditional acceptance of every condition stipulated herein. The current version of the Agreement is permanently available for public review on the official web portal 2rbina.net.

General Provisions 1.1. This section and the Agreement as a whole regulate the principles of service provision, while also establishing the mutual rights, obligations, and liability limits of each party. Any instance of utilizing the Service—including initiating transactions, creating an account, or otherwise interacting with the interface—is construed as the User's absolute and irrevocable consent to the provisions of this Agreement. 1.2. Exploitation of the Service's features is permitted exclusively on the condition that the User fully and without any reservations accepts all terms of this Agreement. 1.3. The 2rbina.net platform is not a banking institution, payment system provider, or electronic money issuer; services are rendered strictly within the scope of authority permitted by applicable law. 1.4. Should the User disagree with even a single provision of this Offer, they are obligated to immediately cease using the platform. Continued interaction with the Service after reviewing the document serves as direct confirmation of their full acceptance of the outlined conditions. 1.5. The software hosted on the 2rbina.net website provides the User exclusively with technical tools for executing transactions related to the exchange, purchase, sale, and transfer of Digital Assets, fiat money, as well as cash and non-cash funds. The very act of submitting an Order confirms that the User unconditionally agrees to the Service's rules and this Offer. 1.6. The Service does not perform the functions of a financial company, bank, payment agent, operator, or issuer of electronic funds. Its operations are strictly limited to providing a specialized software and hardware environment that facilitates transaction execution based on the input data independently specified by the User in the Order. 1.7. The provision of respective services by the Service is carried out solely provided the Order is correctly formulated, the User submits accurate information, and strictly complies with the provisions of this Agreement and all rules published on the website. 1.8. The User initiates and executes any operations on the platform entirely at their own risk. The Service disclaims any liability for financial losses incurred due to market exchange rate fluctuations, technical disruptions, or other factors associated with the operation of the platform's functionality. 1.9. It is strictly prohibited to involve crypto wallets in the exchange process that are directly or indirectly linked to high-risk assets or sources of illicit origin.

Terms and Definitions 2.1. Service — the specialized web portal 2rbina.net through which Users are granted access to online currency conversion services. 2.2. User — any person actually interacting with the Service's functionality. 2.3. Digital Asset — cryptocurrency coins, tokens, and (or) other virtual units of account in electronic settlement systems, the property rights to which are generated as a result of transactions through the Service (including exchange operations, purchase, sale, and transfers). 2.4. Payment System — a software and hardware complex created by independent developers, utilized for accounting financial obligations and facilitating mutual settlements among Users. 2.5. Payment (Transaction) — the actual process of transferring electronic or any other currency from the paying party to the receiving party. 2.6. Payment System Client — a person who has entered into a legal agreement with the respective payment platform to acquire property rights of claim against it, denominated in the internal units of that system. 2.7. Service Operations — a set of operations concerning the deposit and withdrawal of virtual currencies from payment systems, along with other related services, detailed information about which is published on the 2rbina.net web pages. 2.8. Order — a formal electronic request from the User confirming their readiness to utilize the Digital Asset exchange service. This request is generated through the corresponding website interface by filling in all required fields, and the very act of submitting it constitutes evidence of the person's consent to the current rules of the Service and the provisions of this Agreement. 2.9. Refund — a regulated procedure for the reverse transfer of Digital Assets or funds to the User's account, applied in the event of a transaction cancellation, identification of an erroneous payment, or the occurrence of other circumstances explicitly specified in the Service's rules.

Admission to Service Use 3.1. The right to operate the Service's functionality is granted exclusively to adult individuals possessing full civil capacity and subject to no legal restrictions in their national jurisdictions. 3.2. It is strictly prohibited for residents of, or individuals located in, countries under international sanction restrictions to use the Service, as well as for individuals whose national legislation expressly prohibits such activities. List of prohibited countries: Russia Belarus Crimea The so-called self-proclaimed republics of "DPR" and "LPR" Afghanistan Burundi Vanuatu Venezuela Guyana Democratic Republic of the Congo Zimbabwe Iraq Yemen Iran DPRK Côte d'Ivoire Laos Liberia Lebanon Libya Burma (Myanmar) Papua New Guinea Syria Somalia Sudan Sierra Leone USA Uganda Central African Republic South Sudan Abkhazia Nagorno-Karabakh Republic Pridnestrovian Moldavian Republic Turkish Republic of Northern Cyprus South Ossetia 3.3. Should the Service detect signs of this Agreement being violated or suspicious behavior, it reserves the right to unilaterally refuse service provision, freeze the processing of an Order, or completely block access to the platform. 3.4. The Service usage conditions outlined in this document neither override nor supersede the mandatory legal norms of the jurisdictions where the Service is registered or the User is located. Furthermore, they do not affect agreements concluded between the User and Payment Systems. If the law or other agreements deprive the User of the right to use exchange services, their continued operation of the Service is deemed unlawful and is expressly prohibited by this Agreement. 3.5. The Service undertakes to maintain the confidentiality of all data regarding the User's identity and the specifics of their financial operations. The disclosure of such confidential information is permitted solely upon receipt of official requests from competent government authorities, authorized officials, or Payment System administrations, and strictly in the presence of appropriate legal grounds.

Conditions of Service Use 4.1. Access to services is provided to all Users; however, the Service assumes no obligation to verify the legality of the origin sources of Digital Assets or fiat funds, nor does it track User actions within any external Payment Systems. 4.2. Full liability for the funds entrusted by the User to a specific Payment System or financial institution lies exclusively with those organizations. The Service is not a party to the legal relations between the User and such institutions and therefore bears no responsibility for any misuse or illegal use of their functionality by the User. All mutual obligations between the User and Payment Systems are governed by their direct agreements, to which the Service has no relation. 4.3. Every successfully completed transaction regarding the deposit/withdrawal of Digital Assets or other platform operations holds an irrevocable status. Following its finalization—specifically, after funds are credited to the User under the terms of a confirmed Order—it is impossible to cancel this action at the User's own initiative. 4.4. If competent government or law enforcement agencies provide data indicating the User's illegal possession of the respective assets or funds, or other information rendering service provision impossible, the Service is authorized to immediately cancel or freeze the current transaction. 4.5. In the event the User violates exchange rules or other provisions of this Agreement, the Service may suspend Order processing for up to 48 business hours or cancel it entirely—up to the point of successful completion of full identity verification. In such cases, funds are refunded subject to a service fee deduction of up to 5% (the maximum equivalent of which is 100 US dollars). If the User refuses to undergo the AML/KYC procedure, their funds shall be returned within 60 days, provided no other violations of the law or this Agreement have been recorded on their part. 4.6. The Service reserves the right, without providing additional explanations, to cancel an ongoing transaction and subsequently return the electronic currency or fiat funds to the User.

User Rights and Obligations 5.1. User Rights and Obligations 5.1.1. When creating an Order, the User assumes the obligation to provide strictly truthful, complete, and up-to-date data, as well as promptly update it in the event of any changes. 5.1.2. The User is permitted to operate the platform solely for lawful purposes; they bear personal and full liability for all Digital Asset operations and other actions executed using their credentials. 5.1.3. Prior to final transaction confirmation, the User must personally verify the accuracy of the entered payment details, the amount, and the selected exchange vector. The Service bears no liability for the consequences of any errors made by the User at this stage. 5.1.4. The User is entitled to contact customer support for consultations regarding exchange terms or the current status of their Order. 5.1.5. The User must strictly adhere to all guidelines and instructions of the Service provided via the website, official correspondence, or system notifications during the processing of a specific transaction. 5.1.6. The individual utilizing the Service officially confirms that they possess all requisite rights and legal authority to manage the Digital Assets and financial funds involved in the exchange.

Service Rights and Obligations 6.1. Provided the User meticulously follows all instructions and obligations, the Service undertakes to execute the exchange operation strictly in accordance with the regulations published on the website. 6.2. For the purpose of fulfilling AML/KYC procedures, ensuring security, or in the event of detecting suspicious patterns (e.g., artificial deposit splitting recorded by liquidity providers), the Service has the right to demand additional information or supporting documents from the User. To fully identify the User, the following may be requested, inter alia: Contact details: Messenger nickname (Telegram); Phone number; Email address. Identity verification documents: Domestic and/or international passport; Identity card, ID card; Driver's license. Documents confirming residential/registration address: Copy of a utility bill; Copy of a phone bill; Copy of an electricity bill; Bank statement. In cases of justified necessity, the Service may request other information as well. 6.3. The Service is authorized to suspend, reject, or cancel a transaction if at least one of the following circumstances applies: the presence of fraudulent activity indicators or suspicious operations; the provision of false data or the identification of significant errors in the payment details; the emergence of a legal requirement to conduct additional payment verification; a violation of applicable legal norms or the platform's internal policies. 6.4. Unless expressly provided otherwise by law or AML/KYC rules, the Service commits to guaranteeing the full confidentiality of the User's personal data. 6.5. The Service may, at its own discretion and unilaterally, adjust exchange rates, commission sizes, limits, and other operational parameters. Such updates acquire legal force from the moment they are published on the website and require no prior individual notification to Users. 6.6. The Service is exempt from liability for any operational execution delays caused by failures on the part of third parties—banks, payment systems, blockchain networks, gateways—or due to network congestion. 6.7. To perform scheduled technical maintenance, infrastructure updates, or enhance security measures, the Service may temporarily restrict access to the website or its specific modules. Information regarding such work is published in advance in open access on the website. 6.8. Regardless of the exchange type or transfer method, the Service guarantees the legitimacy and proper quality of the assets transferred to clients. 6.9. If the client flawlessly adheres to the exchange conditions, the Service is obligated to compensate them for direct and documented losses arising exclusively from the parameters of the transaction executed by the Service itself (e.g., due to AML flagging, erroneous designation of the sender as unreliable, underpaid network fees, etc.). Compensation does not cover losses related to exchange rate differences, the client's investment errors, their subsequent actions with the assets, or other external factors. 6.10. If the User's assets have been blocked by third parties (e.g., centralized exchanges during an AML check) and the User fails to submit a refund claim for over 6 (six) months, the Service reserves the right to independently determine the format of such refund. It may be executed in USDT equivalent or another token at the rate applicable on the Order submission date, or at the rate upon actual refund.

Liability of the Parties 7.1. Service Liability 7.1.1. Provided the User has supplied completely accurate information and followed all instructions, the Service assumes liability for the flawless and precise execution of the exchange operation in accordance with the Agreement terms and Order parameters. 7.1.2. The Service fully disclaims liability for the User's financial losses if they were caused by: specification of incorrect payment details; an erroneously indicated transfer amount; the User's untimely or improper fulfillment of their obligations; the use of outdated data; interference or actions by third parties (including banks, crypto networks, and payment providers). 7.1.3. The Service is not liable for transaction delays or failures arising from: technical issues at the level of banks, clearing systems, or blockchain networks; the legal necessity to conduct additional security checks or identity verification; actions of intermediary companies involved in the payment processing procedure; the freezing of funds or wallets by centralized exchanges servicing the transaction. 7.1.4. All Service offerings are provided on an "as is" basis. The platform offers no supplementary guarantees regarding rate locking, guaranteed order processing speeds, or the uninterrupted availability of specific exchange directions. 7.2. User Liability 7.2.1. The User assumes full responsibility for the veracity of transmitted data, the correctness of details, the accuracy of amounts, as well as for compliance with applicable legislation and the norms of this Agreement. 7.2.2. Should the User's actions contain signs of money laundering, the use of forged documents, fraud, or attempts to circumvent Service rules, they bear sole liability for such actions. In this context, the Service reserves the right to hand over materials to competent government authorities. 7.2.3. In the event the Service incurs damages due to the User's actions—including the provision of false data, violation of the Offer, or technical hacking attempts—the User is obligated to compensate for them in full.

Cost of Services 8.1. Up-to-date information regarding tariffs and service costs is available in open access on the 2rbina.net website. 8.2. The Service reserves the absolute right to unilaterally adjust exchange rates and commission sizes at any time. Users are notified of such changes exclusively via updates to the corresponding information on the official Service website. 8.3. An Order generated by the User on the 2rbina.net platform always displays the current exchange rate, the Payment System commission amount, the service fee size, as well as the final amount of assets or fiat funds subject to transfer. 8.4. The service fee is automatically deducted at the exact moment the transaction is executed. Its exact amount is fixed in the Order and confirmed by the User during interaction with the platform interface at the request creation stage.

Agreement Form This Agreement regarding the rules of Service operation is legally recognized by both parties as a fully valid written contract, bearing equal legal force to a paper-signed document. 9.1. The contract is deemed concluded on the terms of a public offer, which the User accepts at the exact moment of submitting their Order. 9.2. All parameters and financial terms displayed by the Service during Order formation constitute the essence of the public offer. 9.3. Proper acceptance of this offer entails the User completing all technical steps to confirm the Order. This signifies their intent to receive services in accordance with this Agreement, the AML policy, and the specific parameters of the request itself. 9.4. The Service system automatically records the exact date, time of acceptance, and all financial conditions at the moment of final Order formation. 9.5. This Agreement enters into legal force the moment the User confirms the Order. Until actual payment is made, however, the User retains the right to decline further transaction processing.

Claims and Disputes Any claims regarding the execution of this Agreement are accepted by the Contractor strictly in email format. The appeal must clearly state the essence of the issue and be sent to the contact details provided on the website. 10.1. The Service retains the right to unilaterally update this Agreement by publishing a new version on the Website; changes take effect upon their publication unless a different timeframe is specified in the text. 10.2. If the Service detects suspicious User activity at the Order creation stage, it has the right to pause operation processing until all circumstances are fully clarified. 10.3. If a User transfers source currency to the Service's details without first forming an Order via the website interface, the Service may refuse to execute such an exchange, purchase, or sale. In such situations, funds are refunded minus the service commission. 10.4. The Service is authorized to send informational messages regarding transaction status to the email address specified by the User, as this constitutes an integral part of the service provision process. 10.5. Any disputes and conflicts arising in connection with this Agreement are resolved exclusively through negotiations based on the User's written request. Within 10 (ten) days, the Service must review the claim and provide a reasoned refusal or satisfy the demands. If the dispute cannot be settled within 60 days, either party has the right to apply to the judicial authorities at the User's location.

Order Formation and Execution Procedures 11.1. To initiate an exchange operation, the User must correctly fill out the electronic Order form on the 2rbina.net portal. The form requires specifying payment details, the conversion direction, and the exact quantity of Digital Assets. 11.2. The act of creating an Order automatically confirms that the User has reviewed and agreed to the current exchange rate, commissions, limits, processing times, and other parameters displayed on the screen. 11.3. The Service takes an Order into processing only after the User has completely filled it out and made the actual payment. Subsequently, the system automatically assigns the request the status "Paid by Client" (or its system equivalent), confirming receipt of funds. 11.4. The User bears a strict obligation to transfer Digital Assets or fiat money exclusively to the payment details generated and specified in the Order by the Service. 11.5. Direct execution of the transaction commences only after funds are actually credited to the Service's accounts and the required number of confirmations is received on the relevant blockchain network or payment system. 11.6. The Service is completely absolved of liability for payment delays if they are caused by: blockchain network congestion or slow operation; technical delays on the part of banks or payment providers; errors in the payment details made by the User themselves; any other disruptions on the side of third parties. 11.7. Should the Service detect data discrepancies, errors, suspicious activity, or direct Offer violations, it is authorized to freeze the Order until circumstances are clarified and/or demand additional information, documents, or verification from the User to unblock the operation. 11.8. A transaction is considered finalized the moment funds or assets are actually dispatched to the details specified by the User. The Service bears no liability for what happens to the funds after their successful dispatch. 11.9. All responsibility for the accuracy of the payout details provided rests with the User. If a transfer is sent using erroneous data, the Service does not guarantee the refund or recovery of those funds.

Execution of Exchange Operations 12.1. It is strictly forbidden to use the platform to conduct any illicit, shadow, or fraudulent transactions. By accepting the terms of this Agreement, the User agrees to abide by this rule and acknowledges that committing fraudulent acts will incur criminal liability in accordance with the law. 12.2. If an Order cannot be executed automatically due to circumstances beyond the Service's control (User data errors, insufficient funds, connection failures), the funds will be credited to the account within the next 24 business hours or returned to the User with transaction fees deducted. 12.3. To strictly comply with international anti-money laundering and counter-terrorism financing standards, the exchange service conducts a mandatory AML check on all incoming transactions. If system algorithms identify a transaction as high-risk, the exchange service may temporarily suspend it to perform a deep AML analysis in accordance with FATF standards. The duration of such an investigation may take up to 72 business hours, or longer if necessary. 12.4. The Service cooperates unconditionally with law enforcement agencies. Upon their initial lawful request, as well as upon requests from settlement system administrations or victims of fraud (subject to a court order), the Service is obligated to provide all information regarding the movement of Digital Assets. 12.5. The User is obligated not to interfere with the Service's technical infrastructure, not to harm its hardware and software components, and to timely provide all accurate data necessary for the Service to fully execute the Agreement terms.

Risk Warning 13.1. The User fully comprehends and voluntarily assumes all financial and technical risks associated with Digital Asset conversion, including delays, transfer irreversibility, commission losses, and exchange rate fluctuations. 13.2. The platform does not reimburse losses resulting from incorrectly specified payment details, sudden rate changes, or payment system malfunctions. 13.3. All completed financial operations on the platform are final and non-refundable, except in the unique situations expressly detailed in this Agreement. 13.4. The User must carefully verify data accuracy before submitting an Order and guarantees they will not use the Service for purposes contrary to the law.

Taxation 14.1. The Service does not act as a tax agent for its Users and does not notify them of their tax obligations. The User independently declares their income and pays all taxes required by the legislation of their jurisdiction. 14.2. If state authorities demand the Service to settle a User's tax debt arising from tax evasion, the User is obligated to fully compensate the Service for all incurred expenses and payments.

Force Majeure 15.1. The platform is released from liability for the full or partial non-fulfillment of its obligations if caused by force majeure circumstances. Such force majeure events include, in particular: technical collapses in blockchain networks; large-scale DDoS attacks; military actions, natural disasters, power outages; regulatory bans or direct intervention by state authorities.

Waiver of Obligations 16.1. The Service reserves full discretionary right to refuse to conclude this Agreement with any User or to reject a specific Order without explaining its motives.

Refusal of Credit or Refund of Funds 17.1. The platform bears no liability for refusing to credit funds or delaying their refund in the following scenarios: the details contain errors that make the transfer technically impossible; the recipient bank has initiated its own transaction check; delays occur on the side of third-party financial institutions or third parties; the User's account was blocked at the request of law enforcement or financial monitoring services; a financial institution froze or restricted assets in accordance with its rules; the User themselves refuses to accept the credit or refund; other regulatory or technical hurdles arise over which the Service has no control.

Service Suspension in Case of Debt 18.1. If the Service receives verified data indicating that the User has outstanding debts to partner or affiliated platforms, the Service is authorized to suspend the processing of their orders and payouts. The User agrees that such information may come from reliable third parties. Upon detecting debt, the Service may: temporarily pause Order processing; send the User a notification regarding the debt; direct them to the relevant platform to resolve the issue; transmit the User's identification data (strictly within the bounds of the law and solely to settle this matter). The User consents to such data processing and undertakes to resolve their financial disputes independently.

Storage and Processing of Personal Data 19.1. The Service collects User personal data exclusively for service provision. The platform commits to storing it securely encrypted and not disclosing it to unauthorized persons, except in cases outlined in clause 12.4 or stipulated by applicable law. 19.2. For security and proper service purposes, the Service may collect additional identification data about the client to the extent necessary. All this information is kept confidential and is not shared with third parties unless otherwise required by law. 19.3. The transfer of personal data and transaction history is possible: in response to an official written request from a court, crypto exchange, or payment system; upon the demand of law enforcement officers during a fraud investigation; upon direct request from the User themselves regarding their own data. 19.4. All information regarding the User's identity and their financial operations is stored in the Service's databases for 3 (three) months after the completion of the last Order. The Service reserves the right to extend this period if required by legislation or security policies. 19.5. The User is entitled to: receive information about their personal data stored by the Service; initiate the process of updating or correcting information; submit a data deletion request within the limits permitted by AML/KYC requirements and applicable legal norms.