User Agreement
OFFER FOR ACCESS TO THE FUNCTIONALITY OF THE VALUT.NET SOLUTION
Last updated: June 2, 2025
TERMS AND DEFINITIONS
Solution – the PRO.VALUT.NET software suite offered by the Provider online under the Software as a Service (SaaS) model. This suite includes various components such as web personal accounts (WEB PA) and mobile personal accounts (TMA PA), API interfaces, and additional functional modules. These modules support the issuance of digital instruments, invoicing, etc.
User – a person who has successfully registered in the Solution’s system, accepted this Offer, and uses the Solution exclusively for internal operational needs.
Partner – a User who has passed additional verification. The Partner has extended capabilities, including the creation and implementation of its own business logic based on the Solution, as well as the ability to provide services to third parties using the Solution’s infrastructure. All conditions applicable to Users under this Offer apply to the Partner, along with any special conditions applicable specifically to Partners.
Provider – the entity that holds the rights to the Solution and provides access to it in accordance with the terms of this Offer, including its affiliated entities. The Provider ensures the operability of the Solution, its updates, and support during its use.
Tariffs – the fees and charges established by the Provider for Users and Partners for the use of various functions of the Solution. Tariffs may vary depending on the functions used, actions performed, User status, and other factors and are published in the Personal Account.
Action within the Solution – any use of functionality, including but not limited to: initiating the issuance of digital instruments, address generation, submitting requests for cryptocurrency transfers, issuing invoices, viewing data, and other interactions performed via the interface or API of the Solution.
Acceptance – full and unconditional agreement to the terms of this Offer, expressed through registration and the active use of the Solution’s functionality. Rejection of Acceptance is only possible through complete termination of use of the Solution and deactivation of the account.
Personal Account – a secure area within the Solution intended for managing various aspects of service usage, accessing analytics, receiving notifications, and communicating with the Provider. The Personal Account is the main access point to balance status, Solution Actions, and data exchange with the Provider.
1. GENERAL PROVISIONS
1.1. This Offer constitutes the Provider's proposal to potential Users and Partners to enter into an agreement under the terms set forth herein. Acceptance of this Offer is executed by registering in the Solution system and actively using it, reflecting the User’s full agreement to the service terms.
1.2. The Provider reserves the exclusive right to amend and supplement this Offer at any time to ensure relevance, compliance with legal requirements, and alignment with business processes. Updated terms will be promptly posted in the User’s Personal Account and on the Provider’s website. Continued use of the Solution constitutes full acceptance of such changes.
1.3. The Provider reserves the right to refuse registration of any User or Partner without disclosing specific reasons. This may include, but is not limited to, failure to meet regulatory requirements, internal policies of the Provider, or unsatisfactory KYC/KYB results.
1.4. Acceptance of this Offer expresses the User’s intent to enter into a contractual relationship with the Provider; however, it does not guarantee the commencement of services. Full contractual engagement and service delivery are contingent upon successful registration confirmation by the Provider and completion of all required checks, funding, and configurations.
1.5. If the User uses the Solution to provide services to third parties or integrate it into their own infrastructure, they automatically attain Partner status. In this case, the User undertakes to comply with the specific conditions and requirements established for Partners.
2. SUBJECT OF THE OFFER
2.1. The Solution offers Users a wide range of tools developed in SaaS format for process optimization and automation. Users gain access to various functionalities, including but not limited to:
2.3. Partners have extended capabilities to use the Solution as infrastructure for building their own business solutions, assisting third-party service delivery, and launching their own products using the Solution.
2.4. Users and Partners are required to pay the Provider compensation according to the Tariffs described in section 5 of this Offer.
3. RIGHTS AND OBLIGATIONS OF THE PARTIES
3.1. Provider’s Obligations:
4. ACCESS AND USE OF THE SOLUTION
4.1. Access to the functionality of the Solution is granted after successful registration and activation of the account by the Provider, which includes completion of all required verification procedures and configurations. The User and Partner must verify their identity and provide all necessary information in accordance with KYC/KYB procedures.
4.2. The Provider reserves the right to suspend or restrict access to the Solution for any User or Partner at any time in the following cases:
4.4. In case of temporary suspension of access due to the above reasons, access may only be restored after all issues are fully resolved, violations corrected, and all conditions for reactivation set by the Provider are met.
5. FEES AND PAYMENT TERMS
5.1. The use of the Solution is subject to fees. Specific rates depend on the types of Actions performed in the Solution, transaction volumes, status (User or Partner), and other parameters, and are published in the User’s Dashboard.
5.2. Fees may be fixed, percentage-based, or a combination thereof. The Provider reserves the right to modify the Fees by notifying the User or Partner via the Dashboard. Changes take effect on the date of publication or another date indicated by the Provider.
5.3. The User and Partner must maintain a positive balance with the Provider. All fees and charges per the applicable Tariff, as well as any other payments under this Offer, will be deducted from this balance. The Provider may suspend access to the Solution if there are insufficient funds in the balance. This is a key condition to ensure the timely and reliable delivery of services and minimize financial risks for the Provider.
5.4. Deductions are processed automatically. To streamline payments and reduce the risk of delays, the User must ensure proper configuration of auto-debiting. If auto-debit is not available, the User must make payment within 5 business days of receiving a notice.
5.5. If payment obligations are not fulfilled, the Provider may suspend access to the Solution until full repayment is made.
5.6. All bank charges and other payment-related costs are borne by the User or Partner. The Provider does not reimburse additional costs related to payment transactions unless explicitly agreed otherwise.
6. TAXES AND DUTIES
6.1. The User is solely responsible for paying all applicable taxes, fees, duties, and other mandatory charges arising from the use of the Solution and the provision of services to third parties, in accordance with the laws of their country of registration or the country where activities are conducted.
6.2. The Provider is not a tax agent for the User and is not responsible for calculating, withholding, or remitting any taxes payable by the User. All payments between the Provider and the User are made without deduction or withholding of any taxes, except where otherwise required by applicable law or international treaties.
6.3. If taxes are required to be withheld from payments to the Provider under the User's local laws or international regulations, the User must gross-up the payment so that the Provider receives the full amount as if no withholding had occurred.
7. RESTRICTIONS AND PROHIBITIONS
7.1. The Solution may not be used for the following purposes:
8. ACTIVITY LOGGING AND DATA STORAGE
8.1. All exclusive rights to the Solution — including but not limited to source code, algorithms, user interface, database structure, visual elements, documentation, and branding — belong to the Provider or other rights holders.
8.2. The User and Partner are granted a limited, non-exclusive, non-transferable, and revocable license to use the Solution solely within the scope defined in this Offer. This license does not grant ownership or any intellectual property rights.
8.3. The User and Partner are prohibited from:
8.5. The Provider may, at its discretion, provide Users and Partners access to updates, patches, or new features. These updates are also subject to the terms of this Offer and IP protections.
8.6. If the User uploads or shares content through the Solution, they grant the Provider a non-exclusive, royalty-free, worldwide, revocable, and sublicensable license to use, reproduce, distribute, adapt, and modify such content.
8.7. The User warrants that uploaded content does not infringe on third-party rights. In case of claims, the User bears full responsibility.
8.8. All suggestions for improving functionality (feedback) provided by the User become the property of the Provider and may be used without additional compensation.
9. CONFIDENTIALITY
9.1. All data obtained during the interaction between the Parties, including but not limited to personal, technical, financial, and operational information, is recognized as confidential information. Such data must be protected in accordance with applicable law, the Privacy Policy, and the internal security standards of the Parties.
9.2. The Parties undertake to:
9.4. Users must obtain all necessary consents from data subjects for the transfer of information within the framework of using the Solution. Users are responsible for the lawful collection, storage, and transfer of information (especially personal data) to the Provider. Users represent and warrant that any third-party data provided to the Provider by them or their associated platform for the purposes of reading, storing, or processing:
(a) the Users are (i) considered controllers and (ii) agree to act as controllers;
(b) such data has been collected and obtained from the respective party in full compliance with applicable data protection laws relevant to such third parties as data subjects; and
(c) such data has been transferred with the explicit and informed consent of such parties for the transfer and processing of that data.
10. LIABILITY OF THE PARTIES
10.1. The Provider shall not be liable for any direct, indirect, incidental, special, punitive, or other damages arising from or in connection with the use or inability to use the Solution, including but not limited to: loss of profit, data, business interruption, reputational damage, or other economic losses, even if the Provider has been advised of the possibility of such damages. This clause remains applicable regardless of the form of action, whether contract, warranty, or otherwise.
10.2. The Solution is provided "as is" and "as available", without any express or implied warranties, including but not limited to warranties of fitness for a particular purpose, non-infringement, merchantability, or quality. The Provider does not warrant that the Solution’s features will be uninterrupted or error-free, that defects will be corrected, or that the Solution will be compatible with any system or device.
10.3. The total liability of the Provider for any claims arising from this Offer or the use of the Solution during the entire term of the agreement is limited to the total amount of fees actually paid by the respective User or Partner in the three months immediately preceding the event giving rise to the claim, but in any case not exceeding USD 500.
10.4. The User and the Partner bear full responsibility for compliance with all applicable laws and third-party rights, as well as for any actions or omissions committed through their accounts. The User and the Partner must independently resolve any potential third-party claims.
10.5. Users must comply with all applicable laws they may be subject to. Users represent and warrant that they are not, and guarantee that none of their directors, officers, agents, employees, or persons acting on their behalf are designated persons and are not acting directly or indirectly on behalf of a designated person. Users must provide the Provider with information regarding any claims, lawsuits, legal proceedings, or investigations against them or such persons in relation to sanctions by any sanctioning authority, within the limits allowed by law, immediately upon becoming aware.
10.6. If a third party makes a claim or demand against the Provider due to violations of obligations or laws by the User or Partner, the User or Partner undertakes to fully compensate the Provider for any losses, including legal expenses and other costs arising from such claim or demand.
10.7. The User agrees to defend, indemnify, and hold harmless the Provider, its affiliates, as well as their directors, officers, agents, contractors, and employees from any and all losses, liabilities, claims, expenses (including legal fees), and damages arising from, related to, or in connection with the use of the Solution, breach of the Offer, or posting or transmission of any materials through the Solution. This includes, but is not limited to, any third-party claim that any information or materials provided by the User infringe on intellectual property or other proprietary rights of a third party.
10.8. This section of the Offer shall apply to the maximum extent permitted by applicable law and does not limit the liability of the Parties where such limitation is expressly prohibited by law.
11. GOVERNING LAW AND DISPUTE RESOLUTION
11.1. This Offer, including its interpretation, application, and enforcement, shall be governed by the law of the Provider’s country of registration.
11.2. All disputes and disagreements arising between the Parties shall be resolved through negotiations. The Parties agree to make reasonable efforts to reach a peaceful resolution, including mediation if necessary. If no agreement is reached within 30 calendar days from the start of negotiations, the dispute shall be submitted to the competent court at the place of registration of the Provider.
11.3. All disputes are to be resolved individually. The User waives the right to participate in any class, mass, or collective actions against the Provider.
12. ADDITIONAL TERMS
12.1. Specific modules and components of the Solution may be governed by special terms of use posted in the Personal Account or provided in another written form. These terms are binding upon acceptance or commencement of use of the respective functionality.
12.2. The Provider reserves the right to engage third-party services, integrations, and providers to ensure enhanced functionality and improved service quality. The relationship between the User or Partner and such third parties will be governed by their own terms, and the Provider is not responsible for the quality, availability, or any resulting consequences of their use.
13. DATA SECURITY
13.1. The Provider shall take all necessary technical and organizational measures to protect User and Partner data from unauthorized access, destruction, alteration, blocking, copying, provision, and dissemination.
13.2. The Parties agree to immediately notify each other of any security incidents that may affect the confidentiality, integrity, or availability of data.
13.3. The Provider conducts regular security audits aimed at identifying and eliminating potential vulnerabilities in the Solution.
13.4. The Provider uses modern encryption methods to ensure the security of data transmission and storage.
14. TECHNICAL SUPPORT
14.1. The Provider offers technical support to Users and Partners via electronic communication channels specified in the Solution’s interface, including email, feedback forms, messengers, and hotline numbers (if applicable). Support hours are indicated in the Personal Account interface or otherwise communicated to the User and may be changed without prior notice.
14.2. The Provider makes reasonable efforts to respond to requests related to the use of the Solution’s functionality within 24 hours of receiving the request during business hours. Actual response time may depend on the complexity of the request and technical workload.
14.3. The User and/or Partner agree to provide as detailed a description of the technical issue as possible when submitting a support request, including where necessary: actions preceding the error, technical parameters of the equipment, screenshots, error messages, and other information contributing to faster resolution.
14.4. Support is provided solely within the competence of access, stability, and performance of the Solution. Support reserves the right not to provide consultations on:
15. TECHNOLOGICAL UPGRADES
15.1. The Provider is committed to continuously developing and improving the Solution by implementing modern technologies and keeping the functionality up to date.
15.2. The Provider reserves the right to add new features and perform updates that enable more efficient use of the Solution.
16. INTEGRATION WITH OTHER SYSTEMS
16.1. The Solution offers integration capabilities with external systems, including but not limited to accounting software, payment systems, and corporate CRMs.
16.2. The Provider offers open API interfaces and documentation to enable integration by Users and Partners.
16.3. The party initiating the integration is responsible for the setup and proper functioning of integrations; however, the Provider may offer consultations and technical support during the integration process.
16.4. The Provider is not responsible for failures in third-party integrated systems but reserves the right to assist in resolving issues that impact the correct use of the Solution.
17. ADDITIONAL LEGAL PROVISIONS
17.1. Survival of Terms
The provisions of the Offer which, by their nature, are intended to survive the termination of the agreement shall remain in full force and effect, including but not limited to: provisions regarding liability, confidentiality, data protection, dispute resolution, tax obligations, and usage restrictions.
17.2. Partial Invalidity
If any provision of this Offer is declared invalid or unenforceable by court decision or due to changes in legislation, the remaining provisions shall remain in full force and effect. The Parties undertake to in good faith replace the invalid provision with a new one that most closely reflects the original meaning and intent, considering the changed circumstances.
17.3. Relationship of the Parties
This Offer does not create any agency, partnership, franchise, employment, or joint venture relationship between the Parties. Neither Party is authorized to act on behalf of the other without prior written consent.
17.4. Waiver of Rights
Failure of either Party to exercise any right provided in this Offer shall not be considered a waiver of such right. Waiver is only valid if made in an explicit written form. All rights of the Provider are cumulative and are in addition to other remedies provided by law.
17.5. Offsetting
The Provider has the right to unilaterally offset any amounts owed by the User against any obligations of the User under this Offer.
17.6. Assignment of Rights
The User may not assign their rights and obligations under this Offer to third parties without the Provider’s prior written consent. The Provider may assign its rights and obligations to any third parties, including in cases of corporate restructuring (mergers, reorganizations, etc.).
17.7. Language of the Offer
The language of this Offer is English. Translations of the Offer may be provided in other languages solely for the User’s convenience. In the event of discrepancies or conflicts between the English version and any translation, the English version shall prevail.
17.8. Documentation and Notifications
17.8.1. All legally significant notices, messages, documents, and other actions by the Provider, sent to the User or Partner via the Solution interface, posted in the Personal Account, sent to the email address provided during registration, or via other electronic communication means (including push notifications, messengers, integrated chats), are deemed duly delivered and legally binding from the moment they are sent or published, unless otherwise specified.
17.8.2. Documents and information posted in the Personal Account interface (including tariffs, service-specific conditions, amendments to the Offer, technical and legal notices) are official and binding from the moment of publication. Posting such information in the Personal Account is equivalent to sending a written notice.
17.8.3. The User and Partner undertake to regularly check their accounts, including the Personal Account, email, and other registered communication channels, for updates relevant to the use of the Solution and the fulfillment of obligations under this Offer.
17.8.4. The User and Partner bear full responsibility for the accuracy and timeliness of the contact information provided. If there is a change, the updated contact details must be submitted to the Provider within five (5) business days. Any consequences resulting from outdated contact information shall be borne by the User or Partner.
17.8.5. In cases where special conditions for the provision of certain services specify a different method or procedure for notifications (e.g., bilateral signing, etc.), such conditions shall prevail with respect to the corresponding service.
18. TERMINATION
18.1. Termination by Mutual Agreement
This Offer may be terminated by mutual written agreement between the Provider and the User or Partner. The termination agreement must specify the termination date and the procedure for settling obligations valid until that date.
18.2. Termination by User Initiative
18.2.1. If the User has no outstanding debts to the Provider, the balance in the Personal Account is zero or positive, and there are no open digital instruments, the User has the right to terminate the relationship by contacting support and following the instructions provided.
18.2.2. Termination of this Offer by the User does not relieve them from obligations incurred before the termination, including but not limited to: payment of accrued fees, settlement of pending Actions within the Solution, and compliance with legal requirements.
18.2.3. Upon request, the Provider will provide the User with an export of the information available in the interface, in the scope defined by applicable law and the data retention policy.
18.3. Termination by Provider Initiative
18.3.1. The Provider may terminate this Offer unilaterally with respect to a specific User or Partner by notifying them through the Solution interface or other specified means, in the following cases:
After termination of the Offer, regardless of the reason:
Last updated: June 2, 2025
TERMS AND DEFINITIONS
Solution – the PRO.VALUT.NET software suite offered by the Provider online under the Software as a Service (SaaS) model. This suite includes various components such as web personal accounts (WEB PA) and mobile personal accounts (TMA PA), API interfaces, and additional functional modules. These modules support the issuance of digital instruments, invoicing, etc.
User – a person who has successfully registered in the Solution’s system, accepted this Offer, and uses the Solution exclusively for internal operational needs.
Partner – a User who has passed additional verification. The Partner has extended capabilities, including the creation and implementation of its own business logic based on the Solution, as well as the ability to provide services to third parties using the Solution’s infrastructure. All conditions applicable to Users under this Offer apply to the Partner, along with any special conditions applicable specifically to Partners.
Provider – the entity that holds the rights to the Solution and provides access to it in accordance with the terms of this Offer, including its affiliated entities. The Provider ensures the operability of the Solution, its updates, and support during its use.
Tariffs – the fees and charges established by the Provider for Users and Partners for the use of various functions of the Solution. Tariffs may vary depending on the functions used, actions performed, User status, and other factors and are published in the Personal Account.
Action within the Solution – any use of functionality, including but not limited to: initiating the issuance of digital instruments, address generation, submitting requests for cryptocurrency transfers, issuing invoices, viewing data, and other interactions performed via the interface or API of the Solution.
Acceptance – full and unconditional agreement to the terms of this Offer, expressed through registration and the active use of the Solution’s functionality. Rejection of Acceptance is only possible through complete termination of use of the Solution and deactivation of the account.
Personal Account – a secure area within the Solution intended for managing various aspects of service usage, accessing analytics, receiving notifications, and communicating with the Provider. The Personal Account is the main access point to balance status, Solution Actions, and data exchange with the Provider.
1. GENERAL PROVISIONS
1.1. This Offer constitutes the Provider's proposal to potential Users and Partners to enter into an agreement under the terms set forth herein. Acceptance of this Offer is executed by registering in the Solution system and actively using it, reflecting the User’s full agreement to the service terms.
1.2. The Provider reserves the exclusive right to amend and supplement this Offer at any time to ensure relevance, compliance with legal requirements, and alignment with business processes. Updated terms will be promptly posted in the User’s Personal Account and on the Provider’s website. Continued use of the Solution constitutes full acceptance of such changes.
1.3. The Provider reserves the right to refuse registration of any User or Partner without disclosing specific reasons. This may include, but is not limited to, failure to meet regulatory requirements, internal policies of the Provider, or unsatisfactory KYC/KYB results.
1.4. Acceptance of this Offer expresses the User’s intent to enter into a contractual relationship with the Provider; however, it does not guarantee the commencement of services. Full contractual engagement and service delivery are contingent upon successful registration confirmation by the Provider and completion of all required checks, funding, and configurations.
1.5. If the User uses the Solution to provide services to third parties or integrate it into their own infrastructure, they automatically attain Partner status. In this case, the User undertakes to comply with the specific conditions and requirements established for Partners.
2. SUBJECT OF THE OFFER
2.1. The Solution offers Users a wide range of tools developed in SaaS format for process optimization and automation. Users gain access to various functionalities, including but not limited to:
- Personal Accounts (WEB PA and TMA PA), allowing management of aspects such as transactions, customer databases, issuance and administration of digital instruments, wallet management, and implementation of corporate logic.
- Modern API interfaces supporting the issuance of digital instruments with customizable branding (white-label), individual limits, geographical and currency settings.
- Integrations that enable deposits and withdrawals via cryptocurrency networks (e.g., TRON, including USDT support).
- Modules for creating multi-currency crypto wallets to conduct inbound and outbound cryptocurrency transactions.
- Payout modules that support bulk payments and allow customization of commission parameters.
- Invoicing tools including invoice creation, tracking, process automation, and integration with existing accounting systems.
- User-friendly analytics dashboards and API-based statistics providing reports, action audits, and tools for managing access rights.
2.3. Partners have extended capabilities to use the Solution as infrastructure for building their own business solutions, assisting third-party service delivery, and launching their own products using the Solution.
2.4. Users and Partners are required to pay the Provider compensation according to the Tariffs described in section 5 of this Offer.
3. RIGHTS AND OBLIGATIONS OF THE PARTIES
3.1. Provider’s Obligations:
- Ensure reliable and secure User connection to the Solution, including data encryption and protection from unauthorized access.
- In the event of technical issues on the Provider’s side, promptly inform the User of the reasons and estimated resolution times.
- Perform updates and functional improvements of the Solution, ensuring minimal service disruption.
- Develop and implement mechanisms to prevent fraud and ensure transparency of Actions within the Solution.
- Continuously train and upskill staff to provide high-quality support and consultations to Users.
- Develop instructional and training materials to assist Users in learning and effectively utilizing the Solution.
- Conduct regular reviews of User feedback and suggestions to improve service quality.
- Create data backups to prevent loss in case of force majeure.
- Organize periodic webinars and presentations to introduce new features and improvements.
- Establish procedures for incident resolution and crisis management to minimize risks and ensure business continuity for Users.
- Initiate internal reviews regarding the User’s Actions in the Solution to ensure compliance with laws and this Offer.
- Conduct audits of the User’s Actions without prior notice if there are reasonable suspicions of Offer or legal violations.
- Request detailed explanations and documentation from the User in case of suspected non-compliance.
- Suspend or fully block access to certain modules or the entire Solution if high risks or confirmed violations are identified.
- Conduct KYC/KYB procedures. The User agrees to provide the required documents and information within the timelines set by the Provider.
- Use the Solution strictly according to its intended purpose and permitted functionality, avoiding misuse or unauthorized modifications.
- Avoid actions that may affect the Solution’s operation, including code modification, use of malicious software, or bypassing technical or legal restrictions.
- Comply with all applicable regulations regarding Actions within the Solution, data protection, and industry policies, including AML/KYC procedures.
- Be fully responsible for the safekeeping of their authentication credentials and not share them with third parties. In case of loss, the User must promptly restore them via the Provider’s services.
- Immediately notify the Provider of any suspicious activity or incidents that may impact Solution security or indicate unlawful usage.
- Regularly update software and security systems on devices used to access the Solution to maintain security standards.
- If intending to offer services to third parties and transition to Partner status, strictly comply with all Partner-specific conditions, including higher security and reporting standards.
- Ensure compliance with the law and the Offer by all clients served through the Solution.
- Monitor client activity regularly to detect and prevent illegal actions.
- Conduct monthly (at minimum) checks of the client base to identify and prevent illicit or undesirable activities.
- Respond promptly to alerts or suspicions regarding client violations and take appropriate measures.
- Implement and maintain monitoring and analytics systems to detect high-risk transactions.
- Conduct internal reviews and training for staff and clients on correct Solution usage.
- Provide the Provider, upon request, not only standard documentation but also additional business reputation evidence, such as recommendations, client feedback, and audit data.
- Regularly update client data, promptly amending and clarifying KYC/KYB information.
- Avoid using the Solution to offer services related to activities that may harm the Provider’s reputation, including avoiding clients on sanctions lists.
- Implement technical safeguards to prevent unauthorized access to the Solution, including the use of modern cybersecurity tools, two-factor authentication, and regular software updates.
- Control employee and agent access to the Solution by implementing access rights segregation and maintaining audit logs of all Solution interactions.
- Maintain an open communication channel with the Provider to promptly respond to any security or compliance-related requests or instructions.
4. ACCESS AND USE OF THE SOLUTION
4.1. Access to the functionality of the Solution is granted after successful registration and activation of the account by the Provider, which includes completion of all required verification procedures and configurations. The User and Partner must verify their identity and provide all necessary information in accordance with KYC/KYB procedures.
4.2. The Provider reserves the right to suspend or restrict access to the Solution for any User or Partner at any time in the following cases:
- Suspicion of violation of this Offer, including but not limited to illegal use of the Solution or infringement of intellectual property rights.
- Receipt of substantiated requests or orders from regulatory authorities requiring suspension or restriction of access for legal compliance purposes.
- Technical incidents or threats that may compromise the integrity and security of the Solution or its modules, users, or data, as well as detection of critical security vulnerabilities.
- Non-payment of fees or having outstanding debts to the Provider for use of the Solution’s functionality.
- Breach of data confidentiality agreements or other internal policies of the Provider that could cause harm to other Users or the Provider.
- Exceeding allowed decline rate and refund rate thresholds.
- Other cases stipulated in the Offer or related documents.
4.4. In case of temporary suspension of access due to the above reasons, access may only be restored after all issues are fully resolved, violations corrected, and all conditions for reactivation set by the Provider are met.
5. FEES AND PAYMENT TERMS
5.1. The use of the Solution is subject to fees. Specific rates depend on the types of Actions performed in the Solution, transaction volumes, status (User or Partner), and other parameters, and are published in the User’s Dashboard.
5.2. Fees may be fixed, percentage-based, or a combination thereof. The Provider reserves the right to modify the Fees by notifying the User or Partner via the Dashboard. Changes take effect on the date of publication or another date indicated by the Provider.
5.3. The User and Partner must maintain a positive balance with the Provider. All fees and charges per the applicable Tariff, as well as any other payments under this Offer, will be deducted from this balance. The Provider may suspend access to the Solution if there are insufficient funds in the balance. This is a key condition to ensure the timely and reliable delivery of services and minimize financial risks for the Provider.
5.4. Deductions are processed automatically. To streamline payments and reduce the risk of delays, the User must ensure proper configuration of auto-debiting. If auto-debit is not available, the User must make payment within 5 business days of receiving a notice.
5.5. If payment obligations are not fulfilled, the Provider may suspend access to the Solution until full repayment is made.
5.6. All bank charges and other payment-related costs are borne by the User or Partner. The Provider does not reimburse additional costs related to payment transactions unless explicitly agreed otherwise.
6. TAXES AND DUTIES
6.1. The User is solely responsible for paying all applicable taxes, fees, duties, and other mandatory charges arising from the use of the Solution and the provision of services to third parties, in accordance with the laws of their country of registration or the country where activities are conducted.
6.2. The Provider is not a tax agent for the User and is not responsible for calculating, withholding, or remitting any taxes payable by the User. All payments between the Provider and the User are made without deduction or withholding of any taxes, except where otherwise required by applicable law or international treaties.
6.3. If taxes are required to be withheld from payments to the Provider under the User's local laws or international regulations, the User must gross-up the payment so that the Provider receives the full amount as if no withholding had occurred.
7. RESTRICTIONS AND PROHIBITIONS
7.1. The Solution may not be used for the following purposes:
- Actions related to money laundering or terrorist financing.
- Trading of prohibited goods and services, including but not limited to narcotics, weapons, and contraband.
- Activities that violate applicable laws.
- Attempts to transmit data or content containing malicious code, viruses, or other harmful technologies.
- Any other activities prohibited under this Offer or applicable law.
8. ACTIVITY LOGGING AND DATA STORAGE
8.1. All exclusive rights to the Solution — including but not limited to source code, algorithms, user interface, database structure, visual elements, documentation, and branding — belong to the Provider or other rights holders.
8.2. The User and Partner are granted a limited, non-exclusive, non-transferable, and revocable license to use the Solution solely within the scope defined in this Offer. This license does not grant ownership or any intellectual property rights.
8.3. The User and Partner are prohibited from:
- Copying, modifying, distributing, leasing, publishing, or otherwise using the Solution beyond the rights granted.
- Decompiling, disassembling, reverse engineering the Solution, or attempting to access its source code.
- Using the Solution to build similar or competing services.
- Sharing access to the Solution’s functionality with third parties without prior written consent from the Provider.
8.5. The Provider may, at its discretion, provide Users and Partners access to updates, patches, or new features. These updates are also subject to the terms of this Offer and IP protections.
8.6. If the User uploads or shares content through the Solution, they grant the Provider a non-exclusive, royalty-free, worldwide, revocable, and sublicensable license to use, reproduce, distribute, adapt, and modify such content.
8.7. The User warrants that uploaded content does not infringe on third-party rights. In case of claims, the User bears full responsibility.
8.8. All suggestions for improving functionality (feedback) provided by the User become the property of the Provider and may be used without additional compensation.
9. CONFIDENTIALITY
9.1. All data obtained during the interaction between the Parties, including but not limited to personal, technical, financial, and operational information, is recognized as confidential information. Such data must be protected in accordance with applicable law, the Privacy Policy, and the internal security standards of the Parties.
9.2. The Parties undertake to:
- Not disclose confidential information to third parties without the prior consent of the other Party, unless otherwise required by law or the Offer.
- Use confidential information solely for the purpose of fulfilling obligations under this Offer.
- Apply technical and organizational measures to ensure proper protection of confidential data from unauthorized access, use, or disclosure.
9.4. Users must obtain all necessary consents from data subjects for the transfer of information within the framework of using the Solution. Users are responsible for the lawful collection, storage, and transfer of information (especially personal data) to the Provider. Users represent and warrant that any third-party data provided to the Provider by them or their associated platform for the purposes of reading, storing, or processing:
(a) the Users are (i) considered controllers and (ii) agree to act as controllers;
(b) such data has been collected and obtained from the respective party in full compliance with applicable data protection laws relevant to such third parties as data subjects; and
(c) such data has been transferred with the explicit and informed consent of such parties for the transfer and processing of that data.
10. LIABILITY OF THE PARTIES
10.1. The Provider shall not be liable for any direct, indirect, incidental, special, punitive, or other damages arising from or in connection with the use or inability to use the Solution, including but not limited to: loss of profit, data, business interruption, reputational damage, or other economic losses, even if the Provider has been advised of the possibility of such damages. This clause remains applicable regardless of the form of action, whether contract, warranty, or otherwise.
10.2. The Solution is provided "as is" and "as available", without any express or implied warranties, including but not limited to warranties of fitness for a particular purpose, non-infringement, merchantability, or quality. The Provider does not warrant that the Solution’s features will be uninterrupted or error-free, that defects will be corrected, or that the Solution will be compatible with any system or device.
10.3. The total liability of the Provider for any claims arising from this Offer or the use of the Solution during the entire term of the agreement is limited to the total amount of fees actually paid by the respective User or Partner in the three months immediately preceding the event giving rise to the claim, but in any case not exceeding USD 500.
10.4. The User and the Partner bear full responsibility for compliance with all applicable laws and third-party rights, as well as for any actions or omissions committed through their accounts. The User and the Partner must independently resolve any potential third-party claims.
10.5. Users must comply with all applicable laws they may be subject to. Users represent and warrant that they are not, and guarantee that none of their directors, officers, agents, employees, or persons acting on their behalf are designated persons and are not acting directly or indirectly on behalf of a designated person. Users must provide the Provider with information regarding any claims, lawsuits, legal proceedings, or investigations against them or such persons in relation to sanctions by any sanctioning authority, within the limits allowed by law, immediately upon becoming aware.
10.6. If a third party makes a claim or demand against the Provider due to violations of obligations or laws by the User or Partner, the User or Partner undertakes to fully compensate the Provider for any losses, including legal expenses and other costs arising from such claim or demand.
10.7. The User agrees to defend, indemnify, and hold harmless the Provider, its affiliates, as well as their directors, officers, agents, contractors, and employees from any and all losses, liabilities, claims, expenses (including legal fees), and damages arising from, related to, or in connection with the use of the Solution, breach of the Offer, or posting or transmission of any materials through the Solution. This includes, but is not limited to, any third-party claim that any information or materials provided by the User infringe on intellectual property or other proprietary rights of a third party.
10.8. This section of the Offer shall apply to the maximum extent permitted by applicable law and does not limit the liability of the Parties where such limitation is expressly prohibited by law.
11. GOVERNING LAW AND DISPUTE RESOLUTION
11.1. This Offer, including its interpretation, application, and enforcement, shall be governed by the law of the Provider’s country of registration.
11.2. All disputes and disagreements arising between the Parties shall be resolved through negotiations. The Parties agree to make reasonable efforts to reach a peaceful resolution, including mediation if necessary. If no agreement is reached within 30 calendar days from the start of negotiations, the dispute shall be submitted to the competent court at the place of registration of the Provider.
11.3. All disputes are to be resolved individually. The User waives the right to participate in any class, mass, or collective actions against the Provider.
12. ADDITIONAL TERMS
12.1. Specific modules and components of the Solution may be governed by special terms of use posted in the Personal Account or provided in another written form. These terms are binding upon acceptance or commencement of use of the respective functionality.
12.2. The Provider reserves the right to engage third-party services, integrations, and providers to ensure enhanced functionality and improved service quality. The relationship between the User or Partner and such third parties will be governed by their own terms, and the Provider is not responsible for the quality, availability, or any resulting consequences of their use.
13. DATA SECURITY
13.1. The Provider shall take all necessary technical and organizational measures to protect User and Partner data from unauthorized access, destruction, alteration, blocking, copying, provision, and dissemination.
13.2. The Parties agree to immediately notify each other of any security incidents that may affect the confidentiality, integrity, or availability of data.
13.3. The Provider conducts regular security audits aimed at identifying and eliminating potential vulnerabilities in the Solution.
13.4. The Provider uses modern encryption methods to ensure the security of data transmission and storage.
14. TECHNICAL SUPPORT
14.1. The Provider offers technical support to Users and Partners via electronic communication channels specified in the Solution’s interface, including email, feedback forms, messengers, and hotline numbers (if applicable). Support hours are indicated in the Personal Account interface or otherwise communicated to the User and may be changed without prior notice.
14.2. The Provider makes reasonable efforts to respond to requests related to the use of the Solution’s functionality within 24 hours of receiving the request during business hours. Actual response time may depend on the complexity of the request and technical workload.
14.3. The User and/or Partner agree to provide as detailed a description of the technical issue as possible when submitting a support request, including where necessary: actions preceding the error, technical parameters of the equipment, screenshots, error messages, and other information contributing to faster resolution.
14.4. Support is provided solely within the competence of access, stability, and performance of the Solution. Support reserves the right not to provide consultations on:
- routing or payment flows through third-party services;
- selection of payment solutions, providers, or interaction with external providers;
- legal, tax, or financial consequences of using the Solution;
- any questions not related to the technical operation and interface of the Solution.
15. TECHNOLOGICAL UPGRADES
15.1. The Provider is committed to continuously developing and improving the Solution by implementing modern technologies and keeping the functionality up to date.
15.2. The Provider reserves the right to add new features and perform updates that enable more efficient use of the Solution.
16. INTEGRATION WITH OTHER SYSTEMS
16.1. The Solution offers integration capabilities with external systems, including but not limited to accounting software, payment systems, and corporate CRMs.
16.2. The Provider offers open API interfaces and documentation to enable integration by Users and Partners.
16.3. The party initiating the integration is responsible for the setup and proper functioning of integrations; however, the Provider may offer consultations and technical support during the integration process.
16.4. The Provider is not responsible for failures in third-party integrated systems but reserves the right to assist in resolving issues that impact the correct use of the Solution.
17. ADDITIONAL LEGAL PROVISIONS
17.1. Survival of Terms
The provisions of the Offer which, by their nature, are intended to survive the termination of the agreement shall remain in full force and effect, including but not limited to: provisions regarding liability, confidentiality, data protection, dispute resolution, tax obligations, and usage restrictions.
17.2. Partial Invalidity
If any provision of this Offer is declared invalid or unenforceable by court decision or due to changes in legislation, the remaining provisions shall remain in full force and effect. The Parties undertake to in good faith replace the invalid provision with a new one that most closely reflects the original meaning and intent, considering the changed circumstances.
17.3. Relationship of the Parties
This Offer does not create any agency, partnership, franchise, employment, or joint venture relationship between the Parties. Neither Party is authorized to act on behalf of the other without prior written consent.
17.4. Waiver of Rights
Failure of either Party to exercise any right provided in this Offer shall not be considered a waiver of such right. Waiver is only valid if made in an explicit written form. All rights of the Provider are cumulative and are in addition to other remedies provided by law.
17.5. Offsetting
The Provider has the right to unilaterally offset any amounts owed by the User against any obligations of the User under this Offer.
17.6. Assignment of Rights
The User may not assign their rights and obligations under this Offer to third parties without the Provider’s prior written consent. The Provider may assign its rights and obligations to any third parties, including in cases of corporate restructuring (mergers, reorganizations, etc.).
17.7. Language of the Offer
The language of this Offer is English. Translations of the Offer may be provided in other languages solely for the User’s convenience. In the event of discrepancies or conflicts between the English version and any translation, the English version shall prevail.
17.8. Documentation and Notifications
17.8.1. All legally significant notices, messages, documents, and other actions by the Provider, sent to the User or Partner via the Solution interface, posted in the Personal Account, sent to the email address provided during registration, or via other electronic communication means (including push notifications, messengers, integrated chats), are deemed duly delivered and legally binding from the moment they are sent or published, unless otherwise specified.
17.8.2. Documents and information posted in the Personal Account interface (including tariffs, service-specific conditions, amendments to the Offer, technical and legal notices) are official and binding from the moment of publication. Posting such information in the Personal Account is equivalent to sending a written notice.
17.8.3. The User and Partner undertake to regularly check their accounts, including the Personal Account, email, and other registered communication channels, for updates relevant to the use of the Solution and the fulfillment of obligations under this Offer.
17.8.4. The User and Partner bear full responsibility for the accuracy and timeliness of the contact information provided. If there is a change, the updated contact details must be submitted to the Provider within five (5) business days. Any consequences resulting from outdated contact information shall be borne by the User or Partner.
17.8.5. In cases where special conditions for the provision of certain services specify a different method or procedure for notifications (e.g., bilateral signing, etc.), such conditions shall prevail with respect to the corresponding service.
18. TERMINATION
18.1. Termination by Mutual Agreement
This Offer may be terminated by mutual written agreement between the Provider and the User or Partner. The termination agreement must specify the termination date and the procedure for settling obligations valid until that date.
18.2. Termination by User Initiative
18.2.1. If the User has no outstanding debts to the Provider, the balance in the Personal Account is zero or positive, and there are no open digital instruments, the User has the right to terminate the relationship by contacting support and following the instructions provided.
18.2.2. Termination of this Offer by the User does not relieve them from obligations incurred before the termination, including but not limited to: payment of accrued fees, settlement of pending Actions within the Solution, and compliance with legal requirements.
18.2.3. Upon request, the Provider will provide the User with an export of the information available in the interface, in the scope defined by applicable law and the data retention policy.
18.3. Termination by Provider Initiative
18.3.1. The Provider may terminate this Offer unilaterally with respect to a specific User or Partner by notifying them through the Solution interface or other specified means, in the following cases:
- Violation of this Offer’s terms;
- Breach of law, including in the area of AML/KYC/sanctions compliance;
- Failure to comply with identification or document submission requirements;
- Outstanding debts to the Provider;
- Conduct that harms the Provider, other Users, or third parties;
- Termination or shutdown of the Solution or its parts;
- Other cases as provided by the Offer.
After termination of the Offer, regardless of the reason:
- The User and/or Partner must cease use of the Solution and all related Services;
- All licenses and access rights granted under the Offer are revoked;
- The Provider may retain certain User or Partner information if required for legal, accounting, or regulatory purposes;
- Provisions that by their nature survive the termination of the Offer (including but not limited to: confidentiality, intellectual property, liability, dispute resolution) shall remain in effect.
Privacy Policy
Last updated: June 2, 2025
This Privacy Policy (“Policy”) governs the collection, use, storage, disclosure, and protection of personal data of individuals processed while using the website and Solutions VALUT.NET, PRO.VALUT.NET (hereinafter — “Company”, “we”, “us”, “Service”, “Solution”).
1. General Provisions1.1. This Policy applies to all Users, regardless of their location, when using the Solution, including the website, mobile applications, APIs, referral programs, and other platforms administered by the Company.
1.2. By using the Solution, you confirm that you have read, understood, and agreed to the processing of your personal data in accordance with this Policy.
1.3. If you do not agree with the terms of this Policy, you must stop using the Solution.
2. Contact InformationWebsite: https://valut.net
Email: info@valut.net
You may send inquiries, requests, or complaints regarding the processing of personal data to the specified email address.
3. Data Processed3.1. Data provided by the User:
3.2. Data collected automatically:
3.3. Data from third parties:
4. Purposes of Data ProcessingWe process personal data for the following purposes:
5. Legal Basis for Processing
Processing is based on:
6. Data Retention
6.1. Personal data is retained as long as necessary for the purposes defined in Section 4, or until consent is withdrawn (if consent is the basis), or for periods set by law.
6.2. Retention may be based on:
6.4. Users may request data deletion if no other legal grounds for processing apply.
7. Data Disclosure
Data may be disclosed to:
8. Cross-border Transfers
We ensure appropriate legal safeguards when personal data is transferred across borders.
9. Cookies and Similar Technologies
9.1. We use cookies, pixels, and similar technologies to:
9.3. Users can manage cookies in their browser/device settings. Disabling cookies may limit functionality.
10. Automation and Profiling
10.1. We may use automated processing and profiling to:
11. User Rights
Users have the right to:
12. Data Protection Measures
12.1. The Company implements technical, organizational, and legal measures to protect data from:
13. External Links
The Service may contain links to third-party websites. The Company does not control their privacy policies or security practices. We recommend reviewing their policies separately.
14. Policy Updates
We reserve the right to amend this Policy at any time. Updates take effect upon publication on the website or within the Solution interface. Users are advised to periodically review it. Continued use indicates acceptance of the revised Policy.
15. Governing Law and Jurisdiction
This Policy is governed by and construed in accordance with the laws of the Company’s country of incorporation. Disputes regarding personal data processing shall be resolved in the appropriate court of that jurisdiction.
This Privacy Policy (“Policy”) governs the collection, use, storage, disclosure, and protection of personal data of individuals processed while using the website and Solutions VALUT.NET, PRO.VALUT.NET (hereinafter — “Company”, “we”, “us”, “Service”, “Solution”).
1. General Provisions1.1. This Policy applies to all Users, regardless of their location, when using the Solution, including the website, mobile applications, APIs, referral programs, and other platforms administered by the Company.
1.2. By using the Solution, you confirm that you have read, understood, and agreed to the processing of your personal data in accordance with this Policy.
1.3. If you do not agree with the terms of this Policy, you must stop using the Solution.
2. Contact InformationWebsite: https://valut.net
Email: info@valut.net
You may send inquiries, requests, or complaints regarding the processing of personal data to the specified email address.
3. Data Processed3.1. Data provided by the User:
- Full name
- Date of birth, nationality
- Residential and registration address
- Phone number, email address
- Passport data or other identity documents
- Tax Identification Number (TIN), if applicable
- Company representative information (if acting on behalf of a legal entity)
- Financial data: account details, banking/payment info (in anonymized form)
- Documents and other data provided for verification or KYC/AML purposes
- Other information submitted via feedback forms, loyalty programs, surveys, or support
3.2. Data collected automatically:
- IP address, browser type, language settings, device model, OS version
- Login/logout times, website activity
- Geolocation data (with permission)
- Transaction data and in-app actions
- Logs, cookies, pixels, session identifiers
3.3. Data from third parties:
- From affiliates and business partners
- From payment systems, verification providers
- From public records and government registries
- From authorized third parties acting on your behalf
4. Purposes of Data ProcessingWe process personal data for the following purposes:
- User registration and account management
- Access to Solution functionality
- Identity verification (KYC) and risk assessment (AML)
- Fulfillment of contractual obligations including transaction processing
- User support and response to requests
- Fraud and illegal activity detection/prevention
- Analytics, statistics, and service improvement
- Personalization of interface, notifications, and recommendations
- Marketing communications, including advertising
- Compliance with legal obligations and government requests
5. Legal Basis for Processing
Processing is based on:
- Execution of a contract with the User
- User consent
- Company’s legitimate interests (e.g., fraud prevention, analytics)
- Legal obligations under incorporation jurisdiction
6. Data Retention
6.1. Personal data is retained as long as necessary for the purposes defined in Section 4, or until consent is withdrawn (if consent is the basis), or for periods set by law.
6.2. Retention may be based on:
- Contractual obligations
- Regulatory requirements (e.g., tax, accounting)
- Security, monitoring, or legal defense needs
6.4. Users may request data deletion if no other legal grounds for processing apply.
7. Data Disclosure
Data may be disclosed to:
- Affiliates
- Payment systems and financial institutions
- Cloud storage, analytics, technical support providers
- Marketing agencies
- Government authorities upon official request
- Legal successors (e.g., merger, acquisition)
8. Cross-border Transfers
We ensure appropriate legal safeguards when personal data is transferred across borders.
9. Cookies and Similar Technologies
9.1. We use cookies, pixels, and similar technologies to:
- Identify Users during login
- Store preferences and session parameters
- Analyze behavior on the site/app
- Improve Solution functionality
- Show personalized ads and recommendations
9.3. Users can manage cookies in their browser/device settings. Disabling cookies may limit functionality.
10. Automation and Profiling
10.1. We may use automated processing and profiling to:
- Assess risks and prevent fraud
- Provide personalized features and notifications
- Improve UX and interface
- Automate decision-making (e.g., pre-approval for operations or KYC)
- Request information on the logic, significance, and consequences of automation
- Request human intervention
- Object to automated decisions
- Appeal the result of such processing
11. User Rights
Users have the right to:
- Access their personal data
- Correct or update data
- Request deletion ("right to be forgotten")
- Restrict processing
- Withdraw consent
- File complaints with data protection authorities
- Opt-out of marketing communications
12. Data Protection Measures
12.1. The Company implements technical, organizational, and legal measures to protect data from:
- Unauthorized access
- Alteration, destruction, or disclosure
- Accidental loss
- Illegal processing
- Data encryption in transit
- Access segmentation and authorization
- Log and security audit trails
- Two-factor authentication
- DDoS and malware protection
- Regular infrastructure testing
13. External Links
The Service may contain links to third-party websites. The Company does not control their privacy policies or security practices. We recommend reviewing their policies separately.
14. Policy Updates
We reserve the right to amend this Policy at any time. Updates take effect upon publication on the website or within the Solution interface. Users are advised to periodically review it. Continued use indicates acceptance of the revised Policy.
15. Governing Law and Jurisdiction
This Policy is governed by and construed in accordance with the laws of the Company’s country of incorporation. Disputes regarding personal data processing shall be resolved in the appropriate court of that jurisdiction.
Service Terms
Last updated: June 2, 2025
1. Provision of a Digital Instrument
At the User’s request, a Digital Instrument may become available to them. This instrument is provided by a third party (Digital Instrument Provider/Instrument Provider), not by the Provider. To obtain the Digital Instrument, the User may be required to provide additional information in order to minimize and assess risks associated with the use of the Digital Instrument. The User agrees to the collection, processing, and transfer of information related to the Digital Instrument to themselves, the Provider, the Instrument Provider, and between the mentioned parties to ensure proper functioning of the service.
The User confirms that the information provided by them to obtain the Digital Instrument is current and accurate. In the event of changes to this information, the User undertakes to promptly notify the Provider to ensure proper use of the service.
The Digital Instrument is provided to the User for legal use and in accordance with the terms established by the Instrument Provider. The User undertakes not to use the Digital Instrument for illegal activities. If suspicious or illegal activities related to the use of the Digital Instrument are detected, the Instrument Provider or the Provider reserve the right to temporarily suspend or fully terminate access to the Digital Instrument until all circumstances are clarified.
2. Provider’s Functions
The role of the Provider is to ensure a safe and efficient digital environment for interaction between the User, the Instrument Provider, and other service providers. All actions performed using the Digital Instrument will be promptly displayed in the “All Transactions” section of the Personal Account. In addition to transaction information, the User will have access to a wide range of data about the status and use of the Digital Instrument.
The Provider also undertakes to consult and support Users in case of questions or difficulties. This also includes unique offers and services that may be tailored to the User’s needs.
In case of changes in the terms of provision or functioning of the Digital Instrument, the Provider undertakes to promptly inform the User, providing them with up-to-date information for making important decisions.
3. Fees
Service usage is subject to fees. Information about current Rates is published in the Personal Account.
3.1. Additional Conditions
3.1.1. Inactivity of the Digital Instrument
If, within 90 days from the issuance of the Digital Instrument or the last operation involving the Digital Instrument, there is no activity (such as a deposit or withdrawal), the instrument will be considered inactive. In this case, the Provider initiates the closure process for the respective Digital Instrument. Any remaining funds on the instrument will be transferred to the balance of the User’s Personal Account, with a closure fee being charged. The amount of this fee is determined according to the Provider's current Rates at the time of closure. Information about current Rates is provided to the User in the Personal Account.
The User will be notified of the upcoming instrument closure via email. After the funds are transferred and the instrument is closed, any further activity using the instrument will be impossible. The User is responsible for timely monitoring the activity of their instruments and taking any necessary follow-up actions.
3.1.2. Inactivity of the Personal Account Balance
If no active operations (deposit or withdrawal for the purposes of issuing or maintaining the Digital Instrument) are performed on the Personal Account balance for 180 consecutive days, this will be considered inactivity of the Personal Account. In such case, a fee will be charged. The amount of this inactivity fee is set according to the Provider’s current Rates, with the information available to the User in the Personal Account.
This measure is intended to encourage Users to actively use the service and apply their funds. Users will be notified of the upcoming inactivity fee via email. The notice will include the date from which the fee will be applied. The User can avoid the fee by initiating any active operation before the specified date.
3.1.3. Closure of the Digital Instrument at the User’s Request
When closing a Digital Instrument with a positive balance at the User’s initiative, a closure fee will be charged. The amount of this closure fee is determined according to the Provider’s current Rates, with the information available to the User in the Personal Account. This fee is applied to cover administrative expenses related to processing the closure request.
3.1.4. Right to Revise Fee Terms
The Provider reserves the right to revise and modify the conditions for applying the inactivity fee, including its amount and the period after which the balance is deemed inactive, as well as the closure fee. All changes will be communicated to Users in a timely manner via the Personal Account.
4. Pre-Funding of the Account
The User is required to top up the balance of their Personal Account before using certain services. The minimum top-up amount is specified in the Personal Account and may vary depending on current conditions and special offers. The User will be informed about any changes to the minimum top-up amount in the Personal Account.
A minimum required balance must be maintained in the Personal Account as indicated therein to ensure uninterrupted service provision. If the balance falls below the minimum threshold, the User’s ability to continue using the service will be restricted.
The Provider reserves the right to modify the minimum top-up amount and the required minimum balance based on economic conditions or the Provider’s internal policies. All changes will be communicated to Users in advance.
Special conditions from the virtual asset wallet provider:
When virtual assets are provided to top up the balance of the Personal Account, the User must ensure that the virtual assets, when scored using KYT services applied by the wallet provider, have a score rating no higher than 30%. If this score is exceeded, or in other cases in accordance with the internal policies of the virtual asset wallet provider, the wallet provider reserves the right to return the virtual assets to the crypto address from which the deposit was made. Upon returning the virtual assets, the Provider has the right to charge a fee according to the rates applicable at the time of return and to withhold any expenses incurred during the review/processing/refund of such transaction.
If the Digital Instrument balance is insufficient, the transaction using the Digital Instrument will not be processed.
5. Liability for Transactions
The User is liable for all transactions initiated using the Digital Instrument. In the event that the Provider becomes liable to the Instrument Provider or other third parties for any transaction arising from the User’s use of the Digital Instrument, the User agrees to indemnify the Provider for damages and penalties and hold it harmless. The amounts of such damages and penalties may be deducted by the Provider from the funds supplied by the User.
6. Prohibition of Illegal Use
The User is prohibited from using the Digital Instrument for illegal purposes, such as money laundering, terrorism financing, and other prohibited activities. If such activities are identified, the Provider reserves the right to contact the Instrument Provider to request the blocking or closure of the Digital Instrument. Additionally, the Provider may limit the amount or type of transactions allowed using the instrument.
7. Security and Precautions
If the User believes that someone has carried out or may attempt to carry out an unauthorized transaction, they may close or block the Digital Instrument through the functionality of the Personal Account. Blocking or closure may take some time, and the User remains responsible for transactions during that period.
8. Suspicious Transactions
In case of unconfirmed or suspicious use, the Instrument Provider or the Platform Provider has the right to suspend transactions until the circumstances are clarified.
1. Provision of a Digital Instrument
At the User’s request, a Digital Instrument may become available to them. This instrument is provided by a third party (Digital Instrument Provider/Instrument Provider), not by the Provider. To obtain the Digital Instrument, the User may be required to provide additional information in order to minimize and assess risks associated with the use of the Digital Instrument. The User agrees to the collection, processing, and transfer of information related to the Digital Instrument to themselves, the Provider, the Instrument Provider, and between the mentioned parties to ensure proper functioning of the service.
The User confirms that the information provided by them to obtain the Digital Instrument is current and accurate. In the event of changes to this information, the User undertakes to promptly notify the Provider to ensure proper use of the service.
The Digital Instrument is provided to the User for legal use and in accordance with the terms established by the Instrument Provider. The User undertakes not to use the Digital Instrument for illegal activities. If suspicious or illegal activities related to the use of the Digital Instrument are detected, the Instrument Provider or the Provider reserve the right to temporarily suspend or fully terminate access to the Digital Instrument until all circumstances are clarified.
2. Provider’s Functions
The role of the Provider is to ensure a safe and efficient digital environment for interaction between the User, the Instrument Provider, and other service providers. All actions performed using the Digital Instrument will be promptly displayed in the “All Transactions” section of the Personal Account. In addition to transaction information, the User will have access to a wide range of data about the status and use of the Digital Instrument.
The Provider also undertakes to consult and support Users in case of questions or difficulties. This also includes unique offers and services that may be tailored to the User’s needs.
In case of changes in the terms of provision or functioning of the Digital Instrument, the Provider undertakes to promptly inform the User, providing them with up-to-date information for making important decisions.
3. Fees
Service usage is subject to fees. Information about current Rates is published in the Personal Account.
3.1. Additional Conditions
3.1.1. Inactivity of the Digital Instrument
If, within 90 days from the issuance of the Digital Instrument or the last operation involving the Digital Instrument, there is no activity (such as a deposit or withdrawal), the instrument will be considered inactive. In this case, the Provider initiates the closure process for the respective Digital Instrument. Any remaining funds on the instrument will be transferred to the balance of the User’s Personal Account, with a closure fee being charged. The amount of this fee is determined according to the Provider's current Rates at the time of closure. Information about current Rates is provided to the User in the Personal Account.
The User will be notified of the upcoming instrument closure via email. After the funds are transferred and the instrument is closed, any further activity using the instrument will be impossible. The User is responsible for timely monitoring the activity of their instruments and taking any necessary follow-up actions.
3.1.2. Inactivity of the Personal Account Balance
If no active operations (deposit or withdrawal for the purposes of issuing or maintaining the Digital Instrument) are performed on the Personal Account balance for 180 consecutive days, this will be considered inactivity of the Personal Account. In such case, a fee will be charged. The amount of this inactivity fee is set according to the Provider’s current Rates, with the information available to the User in the Personal Account.
This measure is intended to encourage Users to actively use the service and apply their funds. Users will be notified of the upcoming inactivity fee via email. The notice will include the date from which the fee will be applied. The User can avoid the fee by initiating any active operation before the specified date.
3.1.3. Closure of the Digital Instrument at the User’s Request
When closing a Digital Instrument with a positive balance at the User’s initiative, a closure fee will be charged. The amount of this closure fee is determined according to the Provider’s current Rates, with the information available to the User in the Personal Account. This fee is applied to cover administrative expenses related to processing the closure request.
3.1.4. Right to Revise Fee Terms
The Provider reserves the right to revise and modify the conditions for applying the inactivity fee, including its amount and the period after which the balance is deemed inactive, as well as the closure fee. All changes will be communicated to Users in a timely manner via the Personal Account.
4. Pre-Funding of the Account
The User is required to top up the balance of their Personal Account before using certain services. The minimum top-up amount is specified in the Personal Account and may vary depending on current conditions and special offers. The User will be informed about any changes to the minimum top-up amount in the Personal Account.
A minimum required balance must be maintained in the Personal Account as indicated therein to ensure uninterrupted service provision. If the balance falls below the minimum threshold, the User’s ability to continue using the service will be restricted.
The Provider reserves the right to modify the minimum top-up amount and the required minimum balance based on economic conditions or the Provider’s internal policies. All changes will be communicated to Users in advance.
Special conditions from the virtual asset wallet provider:
When virtual assets are provided to top up the balance of the Personal Account, the User must ensure that the virtual assets, when scored using KYT services applied by the wallet provider, have a score rating no higher than 30%. If this score is exceeded, or in other cases in accordance with the internal policies of the virtual asset wallet provider, the wallet provider reserves the right to return the virtual assets to the crypto address from which the deposit was made. Upon returning the virtual assets, the Provider has the right to charge a fee according to the rates applicable at the time of return and to withhold any expenses incurred during the review/processing/refund of such transaction.
If the Digital Instrument balance is insufficient, the transaction using the Digital Instrument will not be processed.
5. Liability for Transactions
The User is liable for all transactions initiated using the Digital Instrument. In the event that the Provider becomes liable to the Instrument Provider or other third parties for any transaction arising from the User’s use of the Digital Instrument, the User agrees to indemnify the Provider for damages and penalties and hold it harmless. The amounts of such damages and penalties may be deducted by the Provider from the funds supplied by the User.
6. Prohibition of Illegal Use
The User is prohibited from using the Digital Instrument for illegal purposes, such as money laundering, terrorism financing, and other prohibited activities. If such activities are identified, the Provider reserves the right to contact the Instrument Provider to request the blocking or closure of the Digital Instrument. Additionally, the Provider may limit the amount or type of transactions allowed using the instrument.
7. Security and Precautions
If the User believes that someone has carried out or may attempt to carry out an unauthorized transaction, they may close or block the Digital Instrument through the functionality of the Personal Account. Blocking or closure may take some time, and the User remains responsible for transactions during that period.
8. Suspicious Transactions
In case of unconfirmed or suspicious use, the Instrument Provider or the Platform Provider has the right to suspend transactions until the circumstances are clarified.
Referral Agreement
Last updated: April 14, 2025
1. General ProvisionsThis
Agreement constitutes an offer by the Service for the Referrer to participate in the Service’s referral program.
The Service and the Referrer are each hereinafter referred to individually as a 'Party' and collectively as the 'Parties', as appropriate by context.
2. Procedure for Concluding the Agreement
2.1. This Agreement shall be considered concluded upon the Referrer’s full and unconditional acceptance of all its terms, without the need for the Parties to sign a written version.
2.2. This Agreement has full legal force and is equivalent to a written agreement signed by the Parties.
2.3. The Referrer confirms their familiarity with and acceptance of all terms and conditions of the Agreement in full by accepting it.
2.4. Any of the following actions shall constitute acceptance of this Agreement:
2.6. By concluding this Agreement, the Referrer automatically agrees to all its provisions, the agreed remuneration, and any appendices, which are integral parts of the Agreement (if any).
2.7. The Service reserves the right to amend this Agreement at any time at its sole discretion. The Referrer must periodically review the Agreement, the current version of which is always available at: https://valut.net/en. If the Referrer does not accept the updated terms, they must immediately cease interaction with the Service under this Agreement.
2.8. If the Referrer does not agree with the terms of the Agreement, they are not entitled to enter into it.
3. Terms and Definitions
3.1. Valut.net Service (the “Service”) — the solution available at https://valut.net/ that provides Users with access to Digital Tools and related services.
3.2. Digital Tool — a tool that enables Users to manage their funds electronically within the Service ecosystem. It is integrated with the Personal Account for ease of use.
3.3. Personal Account — the secure section of the Service available to a User after authentication, providing access to manage Digital Tools and other Service features.
3.4. Reporting Period — a calendar month beginning at 00:00:00 on the first calendar day and ending at 23:59:59 on the last calendar day of the month (UTC+3 time zone), during which all balance top-up transactions made by Referred Users are recorded for the purpose of calculating the Referrer’s remuneration.
3.5. Referrer — a person participating in the referral program to attract new Users and receiving remuneration from the Service for doing so.
3.6. Referred Users — new Users who register with the Service as a result of the Referrer’s efforts.
4. Conditions of Participation in the Program
4.1. To participate in the referral program, the prospective Referrer must provide their email address, all information and documents requested by the Service (including payment details for receiving remuneration1), and accept this Agreement.
4.2. Individual commercial cooperation terms shall be sent to the Referrer’s email. These terms may be revised by the Parties depending on achieved targets or by the Service unilaterally.
4.3. Referrers are strictly required to use only those User acquisition methods and traffic sources that are listed as permitted in the Annex to this Agreement. The use of any prohibited methods or sources specified in the Annex is strictly forbidden. The Service reserves the right to monitor the methods and sources used by Referrers.
4.4. The process for acquiring new Users is as follows: The Referrer must submit the email address that the User plans to use for registration. A User is considered referred upon registration using the email address previously provided by the Referrer.
5. Referrer Remuneration
5.1. Remuneration Calculation
5.1.1. The Referrer’s remuneration is calculated at the end of each Reporting Period. It is based on all top-up transactions2 made by Referred Users during that period, attributable to the Referrer’s efforts.
5.1.2. The Service’s calculation is final and binding and may not be disputed by the Referrer.
5.1.3. Remuneration is credited monthly during the month following the Reporting Period.
5.2. Remuneration Payment
5.2.1. Remuneration is transferred to the Referrer based on the payment details provided by them.
5.2.2. At the time of payment, the Service may request identification documents and may suspend payment until such documents are provided.
5.3. Tax Reporting
5.3.1. The Referrer is solely responsible for managing their tax obligations, including timely declaration and payment of applicable taxes in accordance with the laws of their country of residence.
5.3.2. The Service is not responsible for the Referrer’s tax obligations.
6. Termination
6.1. The Service reserves the right to unilaterally terminate the Referrer’s participation in the program in the following cases:
6.3. The Referrer may unilaterally withdraw from the Agreement by notifying the Service via email.
6.4. As of the date of termination, remuneration accrual to the Referrer ceases.
6.5. Final settlements between the Parties for any remuneration accrued up to the termination date shall be completed within thirty (30) days from the date of termination.
7. Amendments to the Terms
7.1. The Service reserves the right to amend the terms of this Agreement unilaterally at any time.
7.2. Such amendments may affect various aspects of the program, including but not limited to remuneration amounts, eligibility criteria, and operational procedures.
7.3. All amendments shall be communicated to the Referrer via email, enabling them to familiarize themselves with and adjust to the new terms.
7.4. If the Referrer disagrees with the amended terms, they may cease participation in the program by notifying the Service accordingly.
8. Personal Data Protection8.1. All personal data received from Referrers and Referred Users shall be processed in accordance with the Service’s privacy policy.
8.2. The Referrer undertakes to ensure that any provision of personal data of Referred Users to the Service (prior to the User’s registration) is made only with the Users’ prior consent.
8.3. The Referrer must inform Users about the purposes of processing their data and obtain their consent for the transfer of such data to the Service.
9. Miscellaneous
9.1. Relationship of the Parties
The relationship between the Parties is that of independent contractors. Nothing in this Agreement shall be construed to create an agency, partnership, joint venture, or any other form of joint activity between the Parties.
9.2. Notices
Notices shall be deemed received on the date they are sent to the Party’s email address.
9.3. Interpretation
The headings used in this Agreement are for convenience only and shall not affect the interpretation of any provision herein.
9.4. Entire Agreement
This Agreement constitutes the entire agreement between the Parties regarding its subject matter and supersedes and merges all prior proposals, understandings, agreements, and warranties, whether written or oral.
9.5. Assignment
The Referrer may not assign or otherwise transfer any of their rights or delegate their obligations under this Agreement, whether voluntarily, involuntarily, by operation of law, or otherwise, without the prior written consent of the Service. No delegation or transfer shall relieve the Referrer of their obligations under this Agreement.
The Service may assign any or all of its rights and obligations under this Agreement without the Referrer’s prior consent.
9.6. Severability
If any provision of this Agreement is held to be invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision, nor render the entire Agreement invalid or unenforceable in any other jurisdiction. In such case, the Parties shall negotiate in good faith to modify the Agreement to reflect as closely as possible the original intent of the Parties in an enforceable manner.
Annex 1
Permitted User Acquisition Methods and Traffic Sources:
Websites, Doorways, Contextual advertising, Teaser advertising, Banner advertising, Targeted advertising, Adult traffic, Push notifications, Facebook, Native advertising, SEO, Public pages, Games, Applications, Instagram, TikTok.
Prohibited User Acquisition Methods and Traffic Sources:
Installs, ClickUnder, PopUnder, Email marketing (unless pre-approved), Cashback, Incentivized traffic, Spam via Viber, WhatsApp, Telegram, etc., Traffback, PWA (Progressive Web Apps), Classifieds platforms.
1. General ProvisionsThis
Agreement constitutes an offer by the Service for the Referrer to participate in the Service’s referral program.
The Service and the Referrer are each hereinafter referred to individually as a 'Party' and collectively as the 'Parties', as appropriate by context.
2. Procedure for Concluding the Agreement
2.1. This Agreement shall be considered concluded upon the Referrer’s full and unconditional acceptance of all its terms, without the need for the Parties to sign a written version.
2.2. This Agreement has full legal force and is equivalent to a written agreement signed by the Parties.
2.3. The Referrer confirms their familiarity with and acceptance of all terms and conditions of the Agreement in full by accepting it.
2.4. Any of the following actions shall constitute acceptance of this Agreement:
- A written (including electronic) notice from the Referrer confirming agreement with the terms of this Agreement and the Order, sent to the Service’s email address;
- Sending a scanned copy of the Order signed by the Referrer to the Service’s email address.
2.6. By concluding this Agreement, the Referrer automatically agrees to all its provisions, the agreed remuneration, and any appendices, which are integral parts of the Agreement (if any).
2.7. The Service reserves the right to amend this Agreement at any time at its sole discretion. The Referrer must periodically review the Agreement, the current version of which is always available at: https://valut.net/en. If the Referrer does not accept the updated terms, they must immediately cease interaction with the Service under this Agreement.
2.8. If the Referrer does not agree with the terms of the Agreement, they are not entitled to enter into it.
3. Terms and Definitions
3.1. Valut.net Service (the “Service”) — the solution available at https://valut.net/ that provides Users with access to Digital Tools and related services.
3.2. Digital Tool — a tool that enables Users to manage their funds electronically within the Service ecosystem. It is integrated with the Personal Account for ease of use.
3.3. Personal Account — the secure section of the Service available to a User after authentication, providing access to manage Digital Tools and other Service features.
3.4. Reporting Period — a calendar month beginning at 00:00:00 on the first calendar day and ending at 23:59:59 on the last calendar day of the month (UTC+3 time zone), during which all balance top-up transactions made by Referred Users are recorded for the purpose of calculating the Referrer’s remuneration.
3.5. Referrer — a person participating in the referral program to attract new Users and receiving remuneration from the Service for doing so.
3.6. Referred Users — new Users who register with the Service as a result of the Referrer’s efforts.
4. Conditions of Participation in the Program
4.1. To participate in the referral program, the prospective Referrer must provide their email address, all information and documents requested by the Service (including payment details for receiving remuneration1), and accept this Agreement.
4.2. Individual commercial cooperation terms shall be sent to the Referrer’s email. These terms may be revised by the Parties depending on achieved targets or by the Service unilaterally.
4.3. Referrers are strictly required to use only those User acquisition methods and traffic sources that are listed as permitted in the Annex to this Agreement. The use of any prohibited methods or sources specified in the Annex is strictly forbidden. The Service reserves the right to monitor the methods and sources used by Referrers.
4.4. The process for acquiring new Users is as follows: The Referrer must submit the email address that the User plans to use for registration. A User is considered referred upon registration using the email address previously provided by the Referrer.
5. Referrer Remuneration
5.1. Remuneration Calculation
5.1.1. The Referrer’s remuneration is calculated at the end of each Reporting Period. It is based on all top-up transactions2 made by Referred Users during that period, attributable to the Referrer’s efforts.
5.1.2. The Service’s calculation is final and binding and may not be disputed by the Referrer.
5.1.3. Remuneration is credited monthly during the month following the Reporting Period.
5.2. Remuneration Payment
5.2.1. Remuneration is transferred to the Referrer based on the payment details provided by them.
5.2.2. At the time of payment, the Service may request identification documents and may suspend payment until such documents are provided.
5.3. Tax Reporting
5.3.1. The Referrer is solely responsible for managing their tax obligations, including timely declaration and payment of applicable taxes in accordance with the laws of their country of residence.
5.3.2. The Service is not responsible for the Referrer’s tax obligations.
6. Termination
6.1. The Service reserves the right to unilaterally terminate the Referrer’s participation in the program in the following cases:
- Use of prohibited user acquisition methods or traffic sources;
- Falsification of data regarding Referred Users;
- Violation of applicable law during user acquisition or other activities related to the program;
- Breach of security or confidentiality procedures resulting in potential data leakage;
- Failure to provide tax documentation in a timely manner if such failure could impact the operation of the Service;
- Fraud, deception, or attempts to manipulate the system;
- Use of bots or automated systems to generate fake registrations;
- Mass complaints from Referred Users regarding the Referrer’s actions;
- Unauthorized use of the Service’s brand or intellectual property;
- Use of spam messaging or intrusive advertising that may negatively affect the Service’s reputation;
- Aggressive user acquisition tactics, false promises or misleading offers made on behalf of the Service;
- Creation of fake accounts in the Service for the purpose of receiving rewards;
- Sharing of personal data without the User’s consent.
6.3. The Referrer may unilaterally withdraw from the Agreement by notifying the Service via email.
6.4. As of the date of termination, remuneration accrual to the Referrer ceases.
6.5. Final settlements between the Parties for any remuneration accrued up to the termination date shall be completed within thirty (30) days from the date of termination.
7. Amendments to the Terms
7.1. The Service reserves the right to amend the terms of this Agreement unilaterally at any time.
7.2. Such amendments may affect various aspects of the program, including but not limited to remuneration amounts, eligibility criteria, and operational procedures.
7.3. All amendments shall be communicated to the Referrer via email, enabling them to familiarize themselves with and adjust to the new terms.
7.4. If the Referrer disagrees with the amended terms, they may cease participation in the program by notifying the Service accordingly.
8. Personal Data Protection8.1. All personal data received from Referrers and Referred Users shall be processed in accordance with the Service’s privacy policy.
8.2. The Referrer undertakes to ensure that any provision of personal data of Referred Users to the Service (prior to the User’s registration) is made only with the Users’ prior consent.
8.3. The Referrer must inform Users about the purposes of processing their data and obtain their consent for the transfer of such data to the Service.
9. Miscellaneous
9.1. Relationship of the Parties
The relationship between the Parties is that of independent contractors. Nothing in this Agreement shall be construed to create an agency, partnership, joint venture, or any other form of joint activity between the Parties.
9.2. Notices
Notices shall be deemed received on the date they are sent to the Party’s email address.
9.3. Interpretation
The headings used in this Agreement are for convenience only and shall not affect the interpretation of any provision herein.
9.4. Entire Agreement
This Agreement constitutes the entire agreement between the Parties regarding its subject matter and supersedes and merges all prior proposals, understandings, agreements, and warranties, whether written or oral.
9.5. Assignment
The Referrer may not assign or otherwise transfer any of their rights or delegate their obligations under this Agreement, whether voluntarily, involuntarily, by operation of law, or otherwise, without the prior written consent of the Service. No delegation or transfer shall relieve the Referrer of their obligations under this Agreement.
The Service may assign any or all of its rights and obligations under this Agreement without the Referrer’s prior consent.
9.6. Severability
If any provision of this Agreement is held to be invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision, nor render the entire Agreement invalid or unenforceable in any other jurisdiction. In such case, the Parties shall negotiate in good faith to modify the Agreement to reflect as closely as possible the original intent of the Parties in an enforceable manner.
Annex 1
Permitted User Acquisition Methods and Traffic Sources:
Websites, Doorways, Contextual advertising, Teaser advertising, Banner advertising, Targeted advertising, Adult traffic, Push notifications, Facebook, Native advertising, SEO, Public pages, Games, Applications, Instagram, TikTok.
Prohibited User Acquisition Methods and Traffic Sources:
Installs, ClickUnder, PopUnder, Email marketing (unless pre-approved), Cashback, Incentivized traffic, Spam via Viber, WhatsApp, Telegram, etc., Traffback, PWA (Progressive Web Apps), Classifieds platforms.
1 The Service may support only certain payment instructions when disbursing the Referrer’s remuneration. If a prospective Referrer provides payment details that are not compatible with the Service’s capabilities, the Service reserves the right to refuse to enter into the Agreement with such prospective Referrer.
2Top-Up Operation – an operation that increases the balance of a Referred User within the Service.
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All Rights Reserved
Neobit Solutions LLC
Registration Number: 405762982
Neobit Solutions LLC
Registration Number: 405762982