CASHALOT.ONE User Agreement

1.1. This User Agreement governs the use of the cashalot.one website, the creation and fulfillment of exchange Orders, the application of security procedures, the refund process, the handling of inquiries, and other terms governing the User's interaction with the Service.

1.2. "CASHALOT", the "Service", or "We" means the cashalot.one online service and the person administering the Service. The "User", "Client", or "You" means an individual who uses the website or creates an Order.

1.3. Creating an Order, registering an Account, checking the box confirming acceptance of the documents, or otherwise using the Service constitutes acceptance of this Agreement, the AML/KYC/SoF Policy, the Privacy Policy, and the terms of the relevant Order.

1.4. If the documents conflict, the following order of precedence applies: the terms of the relevant Order prevail with respect to the amount, exchange rate, Payment Details, validity period, network, and Exchange Direction; the AML/KYC/SoF Policy prevails with respect to checks, AML-Holds, and documents; the Privacy Policy prevails with respect to personal data processing; and this Agreement applies to all other matters.

1.5. The fact of acceptance and material actions taken by the User may be recorded in the Service's technical logs, including the date, time, IP address, email address, Order number and parameters, document versions, device specifications, and other information necessary to fulfill the Order, maintain security, and resolve disputes.

1.6. If the User does not agree to this Agreement, the related documents, or the terms of a particular Order, the User must not create the Order and must stop using the Service.

1.7. The User confirms that they are at least 18 years old, have full legal capacity, act on their own behalf and in their own interests, are not under the control or pressure of any third party, and are not following any third-party instructions related to fraud, deception, or unlawful activity.

1.8. A User may have only one Account unless otherwise agreed with the Service. The User is responsible for safeguarding access credentials for their Account, email, Telegram, devices, and other communication channels used to interact with the Service.

1.9. If the User discovers unauthorized access, the User must immediately notify the Service at support@cashalot.one, through the online chat on the website, or via Support on Telegram.

2.1. Order means a User's request, submitted through the website, to exchange assets in the selected Exchange Direction and specifying the amount, exchange rate, Payment Details, time frames, fee, status, and other terms.

2.2. Exchange Direction means the pair of assets, payment methods, or currencies selected by the User when creating an Order.

2.3. Exchange Rate means the calculated ratio between the assets under an Order, displayed to the User before the Order is created and applied subject to the exchange-rate locking and recalculation rules.

2.4. Service Fee means the Service's compensation, which is included in the Exchange Rate or stated separately in the Order where supported by the interface.

2.5. Payment Details means bank, card, cryptocurrency, electronic payment, cash, or other details required to receive or send funds under an Order.

2.6. Digital Currency means a digital asset recorded and transferred using a distributed ledger or another information system.

2.7. AML/KYC/SoF means procedures for verifying risks, the User's identity, ownership of Payment Details, the source of funds, and the economic purpose of a transaction.

2.8. AML-Hold means the temporary suspension of an Order to review a transaction, address, transfer, User, Payment Details, or documents where indicators of increased risk are present.

2.9. Service Partner means a verified individual or organization engaged by the Service to provide technical, operational, settlement, courier, compliance, or other support for an Order.

2.10. Support means the Service's employees or representatives who advise Users, assist with Orders, receive inquiries, and request the necessary supporting evidence.

2.11. Additional Option means an optional paid condition governing fulfillment of an Order, voluntarily selected by the User before the Order is created. The availability, scope, and price of an Additional Option are displayed before the Order is created, recorded in its parameters, and reflected in the calculation of the amount to be sent or received. Once the Order has been created, an Additional Option may be changed or canceled only by written agreement between the User and the Service in accordance with the confirmation procedure set out in clause 4.14 of this Agreement.

3.1. The Service enables the User to create an Order to exchange assets in the available Exchange Directions, receive a quote, Payment Details, status notifications, assistance from Support, and the result of the Order, provided that the User complies with the terms of the Service and the relevant Order.

3.2. The Service is an online service for processing and assisting with exchange Orders. The Service does not represent that it holds a banking license or has the status of a credit institution, payment system operator, money transfer operator, bank payment agent, operator of an information system for digital financial assets, digital financial asset exchange operator, broker, dealer, investment adviser, mining operator, mining pool operator, or any other regulated status unless that status is expressly stated on the website.

3.3. The Service does not open bank accounts for Users, issue electronic means of payment, accept payments for goods, work, or services, or provide payment acceptance services on behalf of banks, payment systems, or third parties.

3.4. Within the Service, Digital Currency is treated solely as the asset being exchanged under an Order. The Service does not accept Digital Currency as payment for goods, work, or services, does not offer such payment, and does not disseminate information suggesting that such payment is available.

3.5. The Service does not issue Digital Currency, organize mining or mining pools, issue or maintain a register of digital financial assets, or provide the services of a digital financial asset exchange operator unless otherwise expressly stated on the website and supported by the relevant regulated status.

3.6. If a mandatory authorization, registration, or licensing regime is introduced in the future for the activities actually carried out by the Service, the Service may change its operating model, restrict or disable particular Exchange Directions, engage authorized partners, request additional documents, or suspend operations until its processes comply with the new requirements.

3.7. An Order may be fulfilled by the Service directly or with the participation of Service Partners, including by matching Orders and settlement obligations. Payment Details provided for payment may belong to a Service Partner, and a payout to the User may be made by a Service Partner. The name of the payment recipient or payout sender may differ from the name CASHALOT. A payment made by the User to the valid Payment Details stated in the Order constitutes proper payment once the funds have actually been received by the recipient. Fulfillment of a payout to the User is determined in accordance with clause 3.10 of this Agreement. The participation of a Service Partner does not create a separate contract between the User and the Service Partner and does not release the Service from its obligations under the Order.

3.8. The Service engages only previously identified and verified Service Partners and other counterparties whose information and interaction history allow the Service to assess their reliability for participation in the settlement or fulfillment of Orders. Before any such person participates in an Order, or any of that person's bank, electronic-payment, or cryptocurrency Payment Details are used, the Service verifies the person and the relevant Payment Details and records the outcome of the verification. The Service does not use unverified counterparties or payout sources connected to casinos, betting operators, unlicensed brokers, unlawful cryptocurrency services, P2P platforms without AML/KYC controls, or other unlawful or shadow sources. A complaint, banking restriction, dispute, new AML flag, or change in a third party's assessment arising after fulfillment does not, by itself, establish a breach if the relevant risk was absent and could not reasonably have been identified at the time of verification.

3.9. The Service supports an Order until the User actually receives all funds due or until the amount refundable from the funds received from the User has been returned under Section 8 of this Agreement. Cancellation, refusal of service, a block imposed by a third party, an AML-Hold, or an internal final status does not, by itself, terminate the Service's financial obligations in respect of funds already received. If a payout or refund is temporarily prohibited by a binding requirement of a bank or competent authority, the Order remains suspended until lawful fulfillment, refund, or another disposition of the funds in accordance with that requirement becomes possible.

3.10. An Order is deemed fulfilled once the funds have actually been credited to the Payment Details specified by the User. For Digital Currency payouts, an Order is deemed fulfilled once the transaction has been sent and has received the number of network confirmations specified in the Order or the rules for the relevant Exchange Direction. The Service independently determines the format of confirmation that funds have been sent to the Payment Details specified by the User. As confirmation, the Service may, at its discretion, provide a photograph, screenshot, electronic receipt, transaction information, or other reliable material that enables the transfer under the Order to be identified and the sending of funds to be verified. The Service is not obliged to provide bank receipts or payment confirmations in PDF format or any other format requested by the User, unless such an obligation is imposed by applicable law or expressly agreed with the User. For monetary payouts, the absence of confirmation in the requested format does not in itself mean that the Order has not been fulfilled, provided that the full amount payable under the Order has actually been credited to the Payment Details specified by the User. This provision does not exempt the Service from providing documents required by applicable law.

3.11. Before the Service actually receives funds from the User, the Service may decline to accept or fulfill an Order without stating a reason where necessary for security, compliance with law, AML/KYC/SoF, sanctions compliance, User protection, or fraud prevention. After funds have actually been received, the Service may suspend the Order for necessary checks but must either fulfill it on the agreed terms or return the funds under Section 8 of this Agreement, subject to binding legal restrictions and instructions from competent authorities.

4.1. An exchange may be carried out only through an Order created in the Service interface. The Order must contain the material terms of the exchange, including its number, Exchange Direction, amount to be sent, amount to be received, Exchange Rate, fee, validity period, Payment Details, contact method, status, Digital Currency network where applicable, and other terms of the selected Exchange Direction.

4.2. The User must carefully verify all information before creating and paying for an Order. The material terms affecting the amount, time frame, Exchange Rate, Payment Details, network, fee, and fulfillment process are deemed agreed once the Order is created and must not be interpreted by reference to third-party correspondence, advertising, monitoring platforms, or oral explanations if they conflict with the active Order.

4.3. The User must use only Payment Details, cards, accounts, wallets, and addresses belonging to the User to make and receive payments, except where otherwise agreed with the Service in advance and permitted for the selected Exchange Direction. The User is prohibited from using corporate, third-party, nominee, stolen, rented, or proxy Payment Details. The requirement to use the User's own Payment Details applies to the Payment Details used by the User and does not mean that a payout must be made from an account held directly in the name of CASHALOT. A payout may be made by a Service Partner in accordance with clause 3.7 of this Agreement.

4.4. Unless otherwise specified in the Order or for the relevant Exchange Direction, the Service will review only transactions from cards, accounts, e-wallets, and other Payment Details held by the User as an individual. Transfers from Payment Details belonging to legal entities, sole proprietors, foreign banks, third parties, payment intermediaries, or other non-standard sources may be rejected, suspended for review, refunded, or processed only after additional approval.

4.5. A bank card, bank account, the Faster Payments System (SBP), an e-wallet, an e-wallet account number, an e-wallet virtual card, and other payment instruments are distinct methods of paying or receiving funds. The User must use the exact method specified in the Order or agreed with Support. The payment or receipt method may be changed only after confirmation by the Service.

4.6. The User must pay for the Order only to the Payment Details specified in the active Order, within their validity period, and in the amount specified in the Order, subject to any permitted variance expressly stated in the interface.

4.7. The User bears the risk of making a payment to expired, incorrect, changed, outdated, canceled, or unspecified Payment Details. If the Payment Details, bank, payment method, amount, or number of transfers is changed at the User's request, the previous Payment Details cease to be valid only after the change has been confirmed in accordance with clause 4.14 of this Agreement and the confirmed new terms have been sent to the User. Before the User makes payment, the Service may withdraw the issued Payment Details for security, AML/KYC/SoF, unavailability of the Payment Details, or fraud-prevention reasons by notifying the User through the communication channel recorded in the Order. Once such notice has been sent, payment to the withdrawn Payment Details is not permitted. The Service will provide assistance to the extent technically possible but does not guarantee a refund and may deduct its actual expenses.

4.8. The Service may cancel an Order if the User does not pay for it on time, does not confirm payment, does not provide the requested information, or does not respond. If, after cancellation, it is established that a payment was pending and was actually received later, the Order is not deemed paid until the funds are actually received. Once the funds are received, the Service may reinstate the Order, offer a recalculation, agree on a new fulfillment procedure, or issue a refund less actual expenses.

4.9. The Service may provide multiple sets of Payment Details or agree that the User may pay through multiple payments. The "Payout in One Transfer" Additional Option applies only to the payout to the User and does not change the manner or number of payments by which the User pays for the Order unless expressly stated otherwise in the Order terms. If that Additional Option has not been selected, the Service may make the payout through one or more transfers, including through one or more Service Partners and with transfers credited at different times. The Service will accommodate, where possible, the User's request to receive a payout in one transfer or through a particular bank, SBP, card, e-wallet, or other payment method, but this is not guaranteed unless the relevant Additional Option has been selected or the Service has separately confirmed the condition through one of the communication channels specified in clause 12.2 of this Agreement.

4.10. With the User's consent, the Service may fulfill multiple Orders through a single transfer or blockchain transaction and may allocate a single payment by the User among multiple Orders. In that case, the obligations under each Order are deemed fulfilled to the corresponding extent once the total amount has actually been received and its allocation has been recorded in the Service's records.

4.11. After making payment, the User must click the payment confirmation button where provided in the interface and submit a valid receipt, PDF receipt, transaction confirmation, statement, or other document showing a successful payment status. Documents must not be altered, cropped, or edited in a way that conceals material transaction details.

4.12. If a payment is shown as "processing", "under review", "awaiting confirmation", "pending review", or with a similar status, the User must not make a duplicate payment without first consulting Support. If the payment can be canceled without risking a duplicate debit, the User must take reasonable steps to cancel it and notify the Service.

4.13. If the Order specifies a mandatory payment reference, the User must enter it exactly as provided. If the Order instructs the User not to include a reference, the User must leave it blank. Failure to comply may result in a delay, review, recalculation, or refund less actual expenses.

4.14. A request to change receiving Payment Details, an email address, phone number, Telegram account, payment source, bank, wallet, network, Additional Options, or other material information for an active Order must be submitted from the account or address recorded in the Order and must pass multi-factor authentication. Before making the change, the Service sends a separate confirmation request through the original communication channel recorded in the Order and makes the change only after receiving confirmation through that channel. The Service may request additional verification. A message sent through a new or unverified channel does not, by itself, change the Order terms.

4.15. The User must provide a wallet address for receiving the selected asset on the selected network. Providing a token smart contract address, an address for an unsupported asset, the wrong network, an exchange address without a required memo, tag, or other identifier, an address the User cannot access, or any other incorrect address constitutes an error by the User and may result in a delay, cancellation, a request for a new address, or an inability to recover the funds.

4.16. A receipt, payment slip, screenshot, statement, or other evidence that a payment was made is not sufficient proof of payment under an Order unless the recipient has confirmed that the funds were actually credited. In that case, the Service may request additional evidence of the transfer from the User, including a screen recording from the banking application showing the transaction. The Service may suspend processing of the Order until the necessary evidence is provided.

4.17. The User must respond without undue delay to requests without which fulfillment of an active Order cannot continue. The Service will specify a reasonable response period having regard to the nature of the request, and the period spent waiting for a response is excluded from the processing time. Failure to respond may result in suspension of the Order, cancellation before funds are received, or a refund after funds are received in accordance with this Agreement, but does not, by itself, entitle the Service to retroactively change a fixed Exchange Rate, amount, or fee.

5.1. The Exchange Rate, amount to be sent, amount to be received, fee, Order validity period, minimum and maximum amounts, available reserve, and processing time frame are displayed to the User before payment. By creating an Order, the User agrees to these terms.

5.2. The Service Fee is included in the Exchange Rate unless expressly stated otherwise in the Order. Fees charged by banks, payment systems, cryptocurrency networks, wallets, exchanges, and other third parties are payable by the sender or reflected in the calculation if specified in the Order.

5.3. For non-cash Exchange Directions, the Exchange Rate is locked for the period specified in the Order, subject to the grounds for recalculation set out in clause 5.4 of this Agreement. For a bank, electronic, or other fiat payment, the payment is considered timely only when the full amount is actually credited to the issued Payment Details within the lock period. For a Digital Currency payment, the payment is considered timely when the transaction appears on the specified blockchain network or receives the number of confirmations expressly required by the Order or the rules for the Exchange Direction within the lock period. A receipt, proof of sending, or use of a payment confirmation button does not, by itself, replace those conditions. If the stated period is 30 minutes, the applicable timely-payment condition must be met within that period. A 20-minute period may apply to certain Exchange Directions, while a separate 10-minute lock period may apply following preliminary verification.

5.4. If the timely-payment condition set out in clause 5.3 of this Agreement is not met, the User pays less than the full amount, or the User breaches the instructions or other payment terms, the Service may cancel the Order or offer a recalculation at the current rate when the funds are actually received. A change of 0.5% or more in the rate for the currency pair according to the exchange, rate source, or calculation method specified in the Order or the rules for the Exchange Direction may be taken into account in such recalculation only where the User has made a late payment, underpaid, or otherwise breached the payment terms.

5.5. If recalculation becomes necessary after payment, the Service will notify the User of the reason, the revised calculation, and the available options. A payout under a recalculated Order will be made only with the User's consent. The User may reject the recalculation and request a refund less any actual expenses incurred.

5.6. If the Service delays issuing Payment Details or processing an Order for reasons within the Service's control, the Exchange Rate will not be adjusted against the User for the period of that delay, unless the delay results from an AML-Hold, force majeure, the actions of third parties, or the User's breach of the Order terms.

5.7. The standard indicative processing time for an Order is 5 to 360 minutes unless another period is specified in the Order. The period begins after the full amount has actually been received, the required network confirmations have been obtained, and all mandatory information and documents have been provided. If additional checks, new Payment Details, or a response from the User, a bank, payment system, blockchain network, Service Partner, monitoring platform, or competent authority become necessary after processing has begun, the period is suspended for the corresponding time. Due to high demand, technical failures, a bank or network delay, suspected fraud, a User error, overnight processing, or insufficient matching liquidity, the indicative processing time may be up to 24 hours. Where an AML-Hold or a third-party request applies, the time frames stated in the relevant sections of this Agreement apply.

5.8. If the "Priority Processing" Additional Option is selected, the Order receives increased priority once the conditions of clause 5.7 have been satisfied. Among Orders ready for fulfillment in a comparable Exchange Direction and payment method, such an Order will be processed before Orders without that Additional Option. Orders with the same priority are processed according to the time at which they became ready for fulfillment. The Additional Option does not guarantee a specific fulfillment time, waive AML/KYC/SoF, banking, network, or technical checks, or eliminate delays caused by circumstances beyond the Service's reasonable control. If increased priority was not applied for a reason within the Service's control, the price of the Additional Option will be refunded to the User. This does not, by itself, cancel the underlying exchange transaction.

5.8.1. If the "Payout in One Transfer" Additional Option is selected, the full amount due to the User under the Order will be paid through one successful bank transfer, one transfer through an electronic payment system, or one blockchain transaction, depending on the Exchange Direction. The payout may not be split without the User's prior written consent through one of the communication channels specified in clause 12.2 of this Agreement. A rejected or fully returned transfer attempt does not constitute a completed payout or a split payout. A blocked or pending transfer attempt is not treated as finally completed until reliable confirmation of its outcome is received. The full amount may be sent again only after reliable confirmation that the first attempt was not credited to the User, can no longer be credited later, and the corresponding amount has either been finally returned to the sender or can otherwise be used again without a risk of duplicate payment. No duplicate payout is made until such confirmation is received. The consequences of any subsequent restriction, block, debit, or return of an amount already credited to the User are governed by clause 8.11 of this Agreement. A bank's display of one payment order as several internal entries does not constitute a split payout if the full amount was actually credited to the User. If a payout in one transfer cannot be completed, the Service may offer the User the option to wait, provide replacement Payment Details, or use another payment method. A split payout is permitted only with the User's written consent and a refund of the price of the Additional Option. Failure to fulfill the Additional Option does not, by itself, cancel the underlying exchange transaction or entitle the User to a refund of the full amount of an exchange that has otherwise been completed. If both the "Priority Processing" and "Payout in One Transfer" Additional Options are selected, both sets of conditions apply.

5.9. For a cryptocurrency payout, the Service must set the network fee at a level sufficient, based on the network conditions objectively observable when the transaction is broadcast, to meet the stated fulfillment time. The Service's liability for a delay caused directly by its selection of an insufficient fee or by transaction parameters set by the Service contrary to the Order terms is governed exclusively by clause 10.2 of this Agreement. The Service is not responsible for an incorrect address, network, memo, tag, or other parameters provided or confirmed by the User, or for a delay caused solely by extraordinary changes in network conditions arising after broadcast and outside the Service's reasonable control.

5.10. When an Order is created and whenever its status changes, the Service must send a notification through the communication channel specified by the User when creating the Order. The notification must contain all information applicable to the relevant Order, including the Order number and status, the Payment Details declared by the User for payment, the User's receiving Payment Details, the Payment Details issued by the Service for payment, the amount to be sent, the amount to be received, the date and time when the unpaid Order expires, and the Service's contact information.

5.11. The technical status of an Order, a bot notification, a button error, an interface failure, a delay in refreshing the page, a CAPTCHA, technical unavailability of the website, or an error displaying the Exchange Direction, reserve, or Payment Details does not change the actual settlement status. If the technical status conflicts with the actual movement of funds, data from the blockchain network, bank, or payment system, the Service's internal logs, and verified transaction documents will prevail.

5.12. For cash Exchange Directions, the Exchange Rate lock terms, city, date, time, time zone, rate source, fee, transfer method, and procedure for confirming receipt of funds will be displayed in the Order or sent to the User through an agreed communication channel.

6.1. The User agrees to use the Service only for lawful purposes, provide accurate information, respond promptly to Support requests, and refrain from any action that disrupts the Service, infringes the rights of others, or violates the rules of banks, payment systems, blockchain networks, or applicable law.

6.2. The User is prohibited from using the Service for money laundering, terrorist financing, evasion of applicable sanctions restrictions, fraud, carding, scams, extortion, ransomware distribution, trafficking in stolen data, transactions involving the darknet, cryptocurrency mixers, gambling, illegal brokers, unlicensed investment schemes, or any other unlawful activity. Using a specifically designated Exchange Direction for assets carrying an elevated or sanctions-related AML flag does not, by itself, constitute sanctions evasion or a breach of this clause, provided that the transaction is not prohibited by applicable law and is not connected with unlawful activity.

6.3. The User confirms that the assets used in the Order are lawfully owned by the User, are not subject to any dispute, seizure, lien, unlawful possession, theft, fraud, or legitimate third-party claim, and that the User is entitled to dispose of them. An elevated or sanctions-related AML flag assigned to an asset does not constitute a breach of this clause if the User selected an Exchange Direction specifically designated for such assets and the relevant risk was disclosed before the Order was created. This exception does not apply to stolen assets, terrorist financing, extortion, ransomware, fraud, or transactions expressly prohibited by applicable law.

6.4. The User must not create an Order at the request of unknown persons, employees of questionable investment projects, fraudulent brokers, representatives of sham exchanges, purported bank security staff, or other persons who may use the User to commit fraud, withdraw funds, or circumvent restrictions.

6.5. The User is solely responsible for fulfilling any tax, foreign exchange, reporting, and other obligations that may arise from using the Service, holding or exchanging assets, or receiving income.

6.6. The User must not attempt to reverse a payment after an Order has been fulfilled, raise a false dispute, demand duplicate payment, submit forged receipts, alter payment documents, conceal material information, or use the Service to harm others.

6.7. A breach of this section constitutes grounds for suspending an Order, imposing an AML-Hold, requesting additional evidence, recalculating or canceling an Order, issuing a refund less actual expenses, refusing future service, disclosing information to competent authorities, and recovering direct losses.

7.1. The Service applies risk-based AML/KYC/SoF controls as an internal measure for security, due diligence, User protection, and interaction with partners, monitoring platforms, and payment infrastructure. This does not mean that the Service has any special regulated status unless that status is expressly stated on the website.

7.2. A review may be conducted using internal procedures, external AML analysis tools, including BitOK, BestChange AML Report, and other tools, sanctions lists, blockchain analytics, checks of transactions, addresses, Payment Details and User behavior, and other risk factors.

7.3. The Service may impose an AML-Hold before or during fulfillment of an Order or after funds have been received if the transaction, Payment Details, address, TxID, amount, User behavior, source of funds, country, payment method, or other circumstances exhibit indicators of increased risk.

7.4. Grounds for an AML-Hold may include a "High Risk" or other material Risk-Score rating, links to sanctions, the darknet, mixers, ransomware, scams, stolen funds, terrorist financing, fraud, gambling, or unlicensed platforms, suspicious transaction structuring, the use of another person's Payment Details, refusal to undergo verification, mismatched information, a third-party complaint, or a request from a bank, payment system, monitoring platform, partner, or competent authority.

7.5. As part of a review, the Service may request an identity document, a selfie or video verification, proof of ownership of a card, account, wallet, or address, a receipt, PDF receipt, statement, transaction confirmation, TxID, information about the source of funds, the economic purpose of the transaction, source of income, and other materials necessary to assess risk.

7.6. If the User sends Digital Currency from an exchange, custodial wallet, payment service, hot wallet, wallet with dynamic addresses, or another source, the actual sending address may differ from the address provided by the User. The User must notify the Service of this in advance and, upon request, provide evidence of ownership of the account, address, or transaction, or of their authority to dispose of the asset. A mismatch in the sending address without a sufficient explanation constitutes grounds for an AML-Hold, a document request, recalculation, refund, or refusal of service.

7.7. The detection of a fake token, fictitious balance, unsupported asset, counterfeit wallet or exchange interface, invalid TxID, forged receipt, altered payment document, imitation Account, or other indicators of a fraudulent transaction constitutes grounds for an AML-Hold, refusal of service, cancellation of the Order, blocking of access, and disclosure of information to monitoring platforms, partners, or competent authorities as permitted by law.

7.8. The Service does not request, and the User must not provide, passwords, one-time codes, CVV codes, full bank card numbers, seed phrases, private keys, recovery codes, access to a device, or any other information that would allow control over the User's funds. During video verification, the User must conceal unrelated information and display only the information relevant to the transaction under review.

7.9. The estimated time for an initial review is up to 24 hours after the requested materials are received. In complex cases, this period may be extended to 7 calendar days and, where requests are made to banks, payment systems, partners, monitoring platforms, or competent authorities, for the time required to receive a response or lawfully resolve the matter.

7.10. Refusal to undergo a review, failure to respond to requests, threats, blackmail, submission of forged evidence or knowingly false information, an attempt to receive funds twice, or the discovery of critical risks constitute grounds for refusing service, canceling the Order, issuing a refund, continuing the AML-Hold, or disclosing information to competent authorities where required by law, partner rules, or the circumstances of the review. Where AML risk is elevated but not critical, the Service may also refuse the standard Exchange Direction, offer a separate Exchange Direction for assets with elevated AML risk, request additional documents, or issue a refund to a verified address.

7.11. Every outgoing Digital Currency transaction is subject to a mandatory AML review using the analytical systems available to the Service before payout. A payout is made from a unique or one-time address, from an address classified as low-risk at the time of review, or through the infrastructure of a platform that is licensed in the relevant jurisdiction and applies AML/KYC controls. The Service does not use an outgoing address with identified direct or indirect links to high-risk or unlawful sources at the time of review. Analytical results may differ and may change after the Order has been fulfilled. A new AML flag or subsequent change in an assessment does not, by itself, establish a breach if the relevant risk was absent and could not reasonably have been identified at the time of review.

7.12. The Service may request additional information about the sender, recipient, source of funds, purpose of the transaction, wallet address, exchange, platform, counterparty, or flow of funds where necessary for AML/KYC/SoF, partner or monitoring-platform rules, payment infrastructure requirements, or the lawful resolution of a dispute.

7.13. Any preliminary AML check of an address or TxID on the website is for informational purposes only and does not limit the Service's right to conduct its own review when an Order is created or fulfilled.

8.1. A refund may be issued where funds are received after an Order has been canceled, fulfillment is technically impossible, the User rejects a recalculation, an AML/KYC/SoF decision requires a refund, the amount is incorrect, the Payment Details cannot be used, payment is late, or another ground exists under this Agreement, the Order terms, or a decision of the Service.

8.2. The User may contact the Service regarding a refund via the online chat, Support on Telegram, or by email at support@cashalot.one. However, refund applications are accepted exclusively by email at support@cashalot.one. The email must include the Order number, the reason for the refund, and the refund address.

8.3. A refund will be sent to the sender's original Payment Details where technically possible and not prohibited by AML/KYC/SoF requirements, bank, payment system, or network rules, or applicable law. If a refund to the original Payment Details is impossible, unavailable, or unsafe, the Service may, after additionally verifying ownership of the Payment Details, offer a refund to alternative Payment Details, a refund in Digital Currency, credit toward a new Order, or another reasonable method of resolution.

8.4. For a refund under an unfulfilled Order, the amount retained by the Service may not exceed the actual costs associated with the refund, including any bank, payment system, network, or partner fee and any other documented expense actually incurred.

8.5. When Digital Currency is refunded, the actual network fee and other actual expenses are deducted. For a good-faith User whose funds have not been found to be linked to unlawful sources following a review, deductions are limited to the actual cost of the refund.

8.6. The estimated refund period is up to 3 business days after the decision is made and correct Payment Details are received, unless a longer period is required due to AML/KYC/SoF, the operation of a bank, payment system, blockchain network, partner, monitoring platform, or competent authority, or the need for additional verification of the refund Payment Details.

8.7. If the User pays for an Order after the Payment Details have expired, sends funds to incorrect Payment Details, selects the wrong network or bank, enters an incorrect payment reference, memo, tag, or payment description, provides another person's information, or otherwise breaches the payment terms, the Service will provide assistance to the extent technically and operationally possible but does not guarantee a refund if the funds have already been sent to a third party, blocked, debited, converted, or made unavailable for reasons outside the Service's control.

8.8. If the actual payment amount differs from the Order amount and that variance is not expressly permitted by the Order terms, the Service may suspend processing, request supporting evidence, offer a recalculation based on the amount actually received, or issue a refund less actual expenses.

8.9. Any amount paid in excess of the Order amount will be refunded after receipt and ownership of the payment have been verified, provided that a refund is technically possible and does not conflict with AML/KYC/SoF requirements. The Service may deduct the actual expenses associated with refunding the overpayment.

8.10. If a small residual balance arises under an Order due to underpayment, overpayment, or rounding, or if a remaining amount would be technically or economically impractical to send in a separate transfer, the Service may, with the User's agreement, pay the balance through a separate transfer, credit it toward the next Order, apply it to a subsequent exchange, or issue a refund less actual expenses. Until the method of settling the balance is agreed, that balance is not deemed an overdue debt of the Service.

8.11. The Service's payout obligation is deemed fulfilled when the amount is actually credited to the Payment Details specified by the User. Any subsequent restriction on the use of funds, block, freeze, debit, return, or dispute of the payment, inclusion of Payment Details in a database maintained by a bank or the Bank of Russia, change in an AML assessment, or other decision by a third party does not, by itself, invalidate fulfillment of the Order or create an obligation to make a duplicate payout, refund, or pay compensation. If the User claims that the amount was not credited or was returned to the sender, the User must provide an official account statement and other available documents from the bank or payment service sufficient to establish the status, amount, date, and reason for the transaction. The Service may request additional information and conduct a review with the participation of a Service Partner. Until the review is completed, the claim is deemed unsubstantiated. The Order is deemed unfulfilled in the relevant part only if the review confirms that the amount was not credited to the User and also confirms either that it was finally returned to the control of the Service or a Service Partner or that the Service or a Service Partner can otherwise use that amount again without a risk of duplicate payment, provided that this was not caused by the User's conduct, the Payment Details provided by the User, or a dispute initiated by the User. Until the final status of the payment and the ability to use the amount again have been confirmed, the Order remains suspended and no duplicate payout or refund is made. Once those circumstances have been confirmed, the Service will fulfill the unfulfilled part of the Order or return the corresponding part of the amount received under the Order in accordance with Section 8 of this Agreement. Claims for other losses are considered exclusively under clause 10.2 of this Agreement.

8.12. If the User, the recipient of funds, or another person claims that a payment was not received, was only partially received, was credited incorrectly, or has a disputed status, the Service may suspend payment of the balance, any duplicate or additional payout, any refund, or reinstatement of the Order until sufficient evidence is received. Such evidence may include a screen recording from the banking or payment-system application, transaction history for the relevant period, a statement, transaction confirmation, PDF receipt, a bank document bearing an electronic signature, or other material that makes it possible to verify whether the disputed payment was received.

8.13. If a refund relates to a high-risk transaction, sanctions risk, or a request from a bank, payment system, monitoring platform, partner, or competent authority, the Service may continue the AML-Hold, request additional documents, offer a refund to a verified address or verified Payment Details, or postpone the refund until the matter is lawfully resolved.

9.1. The User must comply with the rules of any bank, payment system, wallet, blockchain network, or other third-party service used to pay or receive funds under an Order.

9.2. When making an SBP transfer using a phone number, the User must select the exact recipient bank specified in the Order. A single phone number may be linked to multiple banks, and the automatic selection of a bank by the payer's application is outside the Service's control.

9.3. The recipient name displayed by the bank for an SBP or card transfer is generated by the banks and payment infrastructure. Minor variations in the way the name is displayed do not, by themselves, constitute an error by the Service where the Payment Details match the Order.

9.4. A transfer to a bank not specified in the Order, or to an incorrect number, card, account, wallet, address, or network, constitutes an error by the User. The Service may assist in tracing the payment or communicating with the relevant parties but does not guarantee a refund and is not responsible for the consequences of that error unless it was caused by a proven technical error of the Service.

9.5. If a bank, payment system, telecommunications provider, wallet, exchange, blockchain network, or other third-party service delays, rejects, blocks, freezes, refunds, or reviews a payment, the Service will provide reasonable assistance but is not responsible for the decisions, time frames, or restrictions imposed by those third parties unless the delay was caused by a proven error of the Service.

9.6. Bank limits, anti-fraud checks, payment rejection, and restrictions involving a particular bank, card, account, SBP, or e-wallet result from the actions of the relevant third party and are outside the Service's direct control. If the "Payout in One Transfer" Additional Option has been selected, the consequences of being unable to make the full payout in one transfer are governed by clause 5.8.1 of this Agreement. If the User has partially paid for an Order, any further payment from another bank, card, account, wallet, or other Payment Details is permitted only with the prior approval of Support and may require additional verification.

9.7. If a card, account, online banking service, wallet, or transaction is blocked under Federal Law No. 115-FZ, Federal Law No. 161-FZ, internal bank rules, anti-fraud controls, sanctions procedures, or other requirements, the User must notify the Service without undue delay, provide the Order number, and submit any available bank notices, account statement, bank confirmation of the transaction, correspondence with the bank, and other materials that make it possible to determine the reason for the restriction and its connection to the specific transaction under the Order. A banking restriction or inclusion of Payment Details in a database maintained by the Bank of Russia does not, by itself, establish a breach by the Service, establish causation in relation to a specific Order, or create an automatic obligation to pay compensation. Until sufficient supporting evidence is provided, the restriction is not deemed to be connected to the Order. The Service may request that the User provide an official response from the bank, payment system, Bank of Russia, or competent authority and may provide the User with documents available to the Service concerning fulfillment of the Order. The Service does not make decisions on behalf of those parties and does not guarantee that a restriction will be lifted, information will be removed from any relevant database, or an inquiry will be resolved within any particular time.

9.8. After the User has actually received the assets due under the Order, any attempt, without lawful grounds, to reverse or dispute a payment, initiate a chargeback, provide knowingly false information to a bank, or report the transfer as erroneous, fraudulent, or unauthorized constitutes a material breach of this Agreement. If the payment is returned as a result of those actions after the User has received the assets due under the Order, the User must restore the payment or return the assets received and must also compensate the Service for documented direct losses. The User may not retain both the assets received under the Order and the returned payment. The Service may suspend related unfulfilled Orders, request documents, and disclose necessary information to a bank, payment system, monitoring platform, Service Partner, or competent authority to the extent permitted by applicable law. A good-faith report made by the User to a bank, the Bank of Russia, a law enforcement authority, or a court using accurate information does not constitute a breach of this clause.

9.9. The Service does not disclose the personal data of another person, partner, or payment recipient without a lawful basis, court order, request from a competent authority, or need to protect the rights of the Service and Users as permitted by applicable law.

9.10. References to banks, SBP, cards, e-wallets, or payment systems on the website are used solely to identify the payment or receipt methods that may be available under an Order and do not mean that the Service acts on behalf of any bank, payment system, or money transfer operator.

10.1. The Service is responsible for accurately displaying the Order terms, issuing Payment Details, performing calculations in accordance with the published terms, providing reasonable assistance with the Order, securely processing data, and fulfilling its obligations under this Agreement.

10.2. Taking into account clauses 9.5, 9.7, 10.3, and 10.4 of this Agreement, a claim for losses is reviewed by the Service individually. The Service's obligation to compensate does not arise automatically from a block, restriction, debit, return, or dispute of a payment, inclusion of Payment Details in a database maintained by a bank or the Bank of Russia, assignment of an AML flag, or other decision by a third party. Compensation is possible only where a proven breach by the Service of a specific obligation under the Order directly caused final, actually incurred, unrecovered, and documented direct pecuniary loss, provided that the User properly complied with the Order terms and did not cause or increase the loss. The User must provide an official account statement, an official response from a bank, payment system, analytical service, or competent authority, and documents confirming the cause, final amount of the loss, and its direct connection to the specific Order. The existence of documents does not, by itself, constitute acceptance of the claim. The grounds and amount of compensation are determined following the Service's review, by agreement of the parties, or by a final court judgment. A general notice, screenshot, temporary restriction, change in a risk assessment, or assumption about the cause is insufficient. A subsequent AML flag, banking restriction, inclusion of Payment Details in a database maintained by the Bank of Russia, dispute, or payment reversal does not, by itself, establish a breach by the Service or direct causation. Indirect or estimated losses, loss of profit, reputational harm, loss of time, expenses for third-party services, and consequences of conduct by the User or third parties are not compensable unless otherwise expressly required by applicable law or a final court judgment. Compensation is limited to the proven portion of the actual direct loss remaining after any recovery. Any amount returned, unblocked, recovered, or received from another source is deducted from the compensation. Duplicate recovery is not permitted.

10.3. The Service is not responsible for losses, delays, or restrictions caused by User errors, a breach of the Order terms, use of another person's Payment Details, or the actions of banks, payment systems, blockchain networks, wallets, exchanges, telecommunications providers, government authorities, monitoring platforms, persons administering sanctions regimes, token issuers, or other third parties unless those circumstances were caused by a proven error of the Service.

10.4. Lost profits, losses associated with changes in market rates, investment decisions or actions taken by the User after receiving funds, third-party fraud schemes, restrictions imposed for reasons unrelated to a specific Order, and indirect losses are not compensable unless otherwise required by applicable law.

10.5. The User is responsible for the accuracy of the information provided, the lawful source of funds, ownership of the Payment Details, compliance with the Order instructions, timely communication with Support, and the User's tax and other personal obligations.

10.6. The Service is not a party to the User's transactions with third parties, investment projects, purchases, loans, transfers to relatives, payments for goods, work, or services, or any other relationship outside the specific Order. The provision of Payment Details, an address, a payment reference, or instructions under an Order does not establish the Service's participation in any such relationship.

10.7. The Service may restrict the User's access to the website, Account, or particular Exchange Directions in the event of a breach of this Agreement, suspected fraud, threats, blackmail, submission of forged evidence or knowingly false information, an attempt to reverse payment after an Order has been fulfilled, an attempt to receive funds twice, DDoS attacks, or spam. Such a restriction does not deprive the User of the right to have a substantiated claim reviewed.

10.8. The Service is not responsible for an inability to fulfill an Order or for changes to its terms where caused by changes in legislation, the introduction of a new authorization regime, the position of regulators, restrictions imposed by banks, payment systems, monitoring platforms, or partners, sanctions requirements, infrastructure blocks, or other circumstances arising after the Order was created and outside the Service's control.

11.1. The Service processes the User's personal data for registration, creating and fulfilling Orders, communicating with the User, conducting AML/KYC/SoF checks, maintaining security, preventing fraud, accounting and legal record-keeping, handling inquiries, and complying with applicable requirements.

11.2. The categories, purposes, retention periods and methods of processing, the User's rights, and the procedure for protecting personal data are governed by the Privacy Policy published on the website. Data may be disclosed to third parties only to the extent necessary to fulfill an Order, perform security checks, enable partners to provide services, comply with the law, or protect the rights of the Service and Users.

11.3. The User agrees to receive operational notifications concerning an Order by email, through the Account, Telegram, online chat, or another channel specified by the User. Operational notifications are not marketing messages and are necessary to fulfill the Order.

11.4. Marketing or informational messages may be sent only with the User's consent or on another lawful basis. The User may opt out of marketing messages using the method specified in the message or by contacting Support.

11.5. The Service retains complete records of each Order, including its identifier, the dates and times of creation and status changes, the Exchange Direction, amounts, the parties' Payment Details, the fulfillment status, the IP address, User Agent, and other technical data, for at least five years after the Order is completed. Records must be maintained in a manner that preserves their integrity, reliability, and unambiguous linkage to the relevant Order. The complete set of transaction and technical data may be disclosed to third parties only upon an official request from a competent authority in accordance with law; in other cases, only the necessary data may be disclosed where there is a lawful basis. After the applicable retention periods expire and the purposes of retention cease to apply, personal data must be deleted or anonymized unless longer retention is required by law.

12.1. Support is available 24 hours a day and assists Users with the operation of the Service, Order statuses, supporting evidence, refunds, AML/KYC/SoF, and technical difficulties. The Service is not required to provide guidance on the operation of banks, exchanges, or wallets, or on taxation, investments, third-party projects, or other matters outside the Service's scope of expertise.

12.2. Claims should be submitted to support@cashalot.one, through the online chat on the website, or via Support on Telegram at @cashalot_official. The User is advised to include the Order number, email address, description of the issue, amount, date, Payment Details, TxID, receipts, screenshots, statements, and any other evidence.

12.3. The Service will provide an initial response to the User within 24 hours. A full review may take longer if verification by a bank, payment system, blockchain network, partner, or monitoring platform, an AML/KYC/SoF review, or a response from a competent authority is required. The Service will respond to requests from monitoring platforms in accordance with the procedures and time frames established by the rules of the relevant platform.

12.4. In the event of a dispute, payment reversal, bank complaint, inquiry from a monitoring platform, AML-Hold, erroneous payment, or data mismatch, the User must provide the materials requested by the Service that are necessary, relate to the particular Order, and are proportionate to the purpose of the review. Fulfillment of the Order, a refund, or review of the claim may be suspended until those materials are provided.

12.5. A request, inquiry, or claim concerning an old, canceled, incorrectly identified, non-existent Order, or an Order unrelated to the User does not constitute grounds for fulfilling a transaction, issuing a refund, or making a payout until the valid Order, amount, Payment Details, sender, recipient, and actual movement of funds have been identified.

12.6. The User may publish objective reviews and submit inquiries through monitoring platforms, forums, and other websites. The Service does not restrict the User's right to make a good-faith complaint or publish a good-faith review.

12.7. Threats, blackmail, forged evidence, knowingly false information, or pressure intended to obtain an unjustified benefit or duplicate payout constitute an abuse of rights and may result in refusal of future service.

12.8. The Service may respond to public claims and disclose information required to review an inquiry to a monitoring platform, in accordance with the law and privacy rules and to the extent necessary to protect the parties' rights.

12.9. Support may terminate a conversation or move the correspondence to an official channel if the User acts aggressively, makes threats, sends spam, refuses to provide the Order number, demands disclosure of third-party personal data, or attempts to obtain information unrelated to the User's Order.

13.1. The parties are not liable for any failure or improper performance of their obligations caused by force majeure circumstances that the affected party could not reasonably have foreseen or prevented.

13.2. Force majeure may include actions by public authorities, prohibitions or restrictions on Digital Currency transactions, sanctions, military action, widespread disruptions to communications, power supply, or internet access, cyberattacks, data-center failures, blockchain network failures, actions taken by banks and payment systems to comply with mandatory requirements, emergencies, and other circumstances beyond the parties' control. These circumstances constitute force majeure only if they are extraordinary, unavoidable, and outside the reasonable control of the affected party.

13.3. Changes to the legal treatment of Digital Currency, bank transfers, payment methods, AML/KYC/SoF, sanctions requirements, tax rules, or the requirements of monitoring platforms or partners may result in amendments to this Agreement, the disabling of Exchange Directions, additional checks, changes to limits, temporary suspension of operations, or transition to a new Order fulfillment model.

13.4. A party affected by force majeure or a regulatory restriction must notify the other party within a reasonable time and take steps to mitigate the consequences where technically and legally possible.

14.1. The Service may amend this Agreement, the AML/KYC/SoF Policy, the Privacy Policy, Exchange Directions, limits, reserves, fees, operating hours, and other terms. Amendments take effect when published on the website unless the new version specifies a different effective date.

14.2. A new version of this Agreement applies to Orders created after it is published. Orders already created remain subject to the version in effect when they were created. Mandatory legal, AML/KYC/SoF, sanctions, security, or fraud-prevention requirements may affect the processing procedure for an existing Order only to the extent necessary, but may not retroactively change the Exchange Rate, the amount to be sent or received, the Service Fee, the price or scope of Additional Options, or other commercial terms unless the User expressly agrees or the specific change is required by a binding rule or instruction of a competent authority.

14.3. The version of this Agreement, publication date, fact of acceptance, and Order parameters may be retained in the Service's logs and used to confirm the terms in effect when the Order was created.

14.4. If any provision of this Agreement is held invalid or unenforceable, the remaining provisions remain valid and enforceable.

14.5. Current legal information and related Service documents are available at https://cashalot.one/legal-information.

14.6. The Service's official contact page is available at https://cashalot.one/contact.

14.7. Email for Support and claims: support@cashalot.one. Support on Telegram: @cashalot_official. Email for business inquiries and legally significant communications: info@cashalot.one.

14.8. Support is available 24 hours a day unless otherwise stated on the website. The Service may process particular Exchange Directions manually, semi-automatically, or on a limited basis where this is indicated on the website or in the Order or communicated to the User through an agreed communication channel.

14.9. The affiliate program, promotions, partnerships, listings, advertising offers, and other commercial initiatives are governed by separate rules where published on the website and do not change the Order fulfillment procedure under this Agreement.

14.10. The Service may disclose additional information about the operator, partners, registration, location, owners, management, regulatory status, or Order fulfillment model to monitoring platforms, banks, payment systems, partners, and competent authorities to the extent necessary for verification, listing, compliance with rules, security, or compliance with the law.