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Terms of Services

Terms and Conditions

Anyone visiting OofChanger.com (the “User”) agrees to be bound by the following Terms and Conditions, which describe the User’s rights and obligations when using the services provided by OofChanger.com. The User is required to read these Terms and Conditions carefully and ensure that they understand and agree to them before using the services.

1. Products, Services and Payments

  • OofChanger.com provides exchange services for electronic payment system units, including digital currencies and e-currencies, between different payment systems and payment methods.
  • The services offered by OofChanger.com are not intended for use in, and may not be available in, countries or jurisdictions where such services are prohibited or deemed illegal. The User is solely responsible for ensuring compliance with all applicable local laws and regulations.
  • OofChanger.com does not accept counterfeit, fraudulent, or otherwise unauthorized payments. We reserve the right to report suspected fraudulent activity to the appropriate authorities. Payments are final and non-reversible except as expressly provided in these Terms and Conditions.
  • Users may use OofChanger.com services to transfer funds between their own e-currency or payment accounts, subject to the applicable rules of the relevant payment system.
  • Third-party payments are not accepted. The User placing an order must make the payment from an account registered in the User’s own name. If a payment is identified as having been sent by a third party, OofChanger.com reserves the right to reject the order and return the funds, less any transaction or processing fees charged by the relevant payment processor and/or applicable third-party charges.
  • Users are solely responsible for providing valid, complete, and accurate information required to register an account or submit an exchange order.
  • Users must provide the correct account number, wallet address, email address, and other required information. Digital currency or funds sent to an incorrect account or wallet address as a result of incorrect information provided by the User may not be reversible. OofChanger.com is not responsible for recovering funds sent to an incorrect account or address.
  • There is no charge to open an OofChanger.com account. OofChanger.com reserves the right to charge fees for its services. All applicable fees will be disclosed on the OofChanger.com website and calculated automatically before the User confirms an order. OofChanger.com may change its fees at any time at its sole discretion. The applicable fees are those displayed on the website at the time the order is placed.
  • The User is solely responsible for all taxes, duties, reporting obligations, and other fiscal matters relating to their orders and transactions.
  • Payments must be made in the exact amount specified in the User’s order. If the User sends an amount greater or less than the amount specified in the order, OofChanger.com reserves the right to adjust the order based on the actual amount received without prior notice.
  • Pending orders awaiting payment from the User will be automatically cancelled or deleted after the period specified in the order details.
  • If a Customer places an incorrect order, including an order involving an incorrect wallet, restricted country, incorrect email address, non-existent e-currency account, or any other invalid condition, and OofChanger.com approves the order but the order remains pending for more than three (3) months, OofChanger.com reserves the right to cancel the order and withhold the funds to the extent permitted by applicable law.
  • OofChanger.com operates independently of the electronic payment systems and financial institutions used to process transactions.
  • OofChanger.com strongly warns Users against investing digital currencies in so-called high-yield investment programs (HYIPs), as such programs may involve a high risk of financial loss.
  • OofChanger.com reserves the right to perform scheduled or emergency software and hardware maintenance. During maintenance, access to accounts or services may be restricted, or the website may become temporarily unavailable. OofChanger.com may, but is not obligated to, notify Users of maintenance periods in advance. Where notice is provided, it may be published in the “Announcements” section of the website.
  • OofChanger.com shall not be liable for losses or damages resulting from technical maintenance, service interruptions, or temporary unavailability of the website, except where liability cannot legally be excluded.
  • OofChanger.com shall not be liable for delays, interruptions, or inability to provide services resulting from events beyond its reasonable control (“Force Majeure”). Such events may include natural disasters, power failures, hardware or software failures, hacker or virus attacks, system overload, serious hardware or software malfunctions, loss of Internet connectivity, failures of electronic communications networks, security breaches, or other circumstances beyond OofChanger.com’s reasonable control.

Processing Times

  • Perfect Money: Orders are normally processed within approximately 1–8 hours, including weekends.
  • WebMoney: Orders are normally processed within approximately 1–8 hours, including weekends.
  • Payeer: Orders are normally processed within approximately 1–8 hours, including weekends.
  • Cryptocurrency: Cryptocurrency orders are normally processed within approximately 1–8 hours, including weekends.
    • The Tether (USDT) ERC20 network transfer fee is not included in the OofChanger.com service fee and will be deducted from the final amount received by the User.
  • PayPal: PayPal orders are normally processed within approximately 1–12 hours, including weekends.
    • PayPal payments are sent as payments for Goods and Services. PayPal may charge an additional processing or receiving fee, which may be deducted from the amount received by the User.
    • PayPal transactions are subject to the applicable PayPal terms, policies, limitations, holds, disputes, and chargeback procedures.
  • Bank Transfers: Bank transfer orders are normally processed within approximately 2–4 business days.
    • The bank wire transfer fee is 170 USD/EUR and is not included in the OofChanger.com service fee.
    • For personal accounts, the User may be required to provide a scanned copy of one of the following documents:
      • Passport
      • National ID Card
      • Driving Licence
      • Bank Statement
      • Cheque
    • OofChanger.com does not send bank transfers to pharmaceutical companies.
    • Incoming wire transfer fees of 170 USD/EUR may apply and are not included in the OofChanger.com service fee.
  • Cash Payments: Cash payment orders are normally processed within approximately 1–3 business days.
    • Third-party processing fees of 170 USD/EUR may apply and are not included in the OofChanger.com service fee.
    • The User may be required to provide a scanned copy of one of the following documents:
      • Passport
      • National ID Card
    • OofChanger.com may introduce an exchange office or authorized cash-out location in the User’s city. The User may be required to visit that location with valid identification to receive the cash.
    • Refunds for cash-payment transactions are subject to the applicable Refund Policy below.
  • Western Union: Western Union orders are normally processed within approximately 6–24 hours. Processing may not be available on weekends depending on operational conditions. Delays may occur due to instability in the transfer system or Force Majeure affecting the recipient or transfer provider.
    • Before placing an order, the User should open a support ticket specifying the recipient country and confirm whether the transaction can be completed.
    • The User may be required to provide a scanned copy of one of the following:
      • Passport
      • National ID Card
    • The OofChanger.com exchange rate does not include Western Union fees. Any applicable Western Union fees may be payable by the recipient.
    • Western Union transactions generally cannot be cancelled or refunded after processing. If OofChanger.com agrees to a cancellation or refund, the User may be responsible for:
      • Western Union charges; and
      • A 10% cancellation/refund fee, with a minimum fee of 100 USD.
    • If the original payment was made using different cryptocurrencies, any refund or repurchase will be calculated using the applicable current cryptocurrency exchange rate at the time of processing.
  • MoneyGram: MoneyGram orders are normally processed within approximately 6–24 hours. Processing may not be available on weekends depending on operational conditions. Delays may occur due to instability in the transfer system or Force Majeure affecting the recipient or transfer provider.
    • Before placing an order, the User should open a support ticket specifying the recipient country and confirm whether the transaction can be completed.
    • The User may be required to provide a scanned copy of one of the following:
      • Passport
      • National ID Card
    • The OofChanger.com exchange rate does not include MoneyGram fees. Any applicable MoneyGram fees may be payable by the recipient.
    • MoneyGram transactions generally cannot be cancelled or refunded after processing. If OofChanger.com agrees to a cancellation or refund, the User may be responsible for:
      • MoneyGram charges; and
      • A 10% cancellation/refund fee, with a minimum fee of 100 USD.
    • If the original payment was made using different cryptocurrencies, any refund or repurchase will be calculated using the applicable current cryptocurrency exchange rate at the time of processing.

2. Regulations

  • Electronic payment systems and banks are solely responsible for funds entrusted to them by their customers. OofChanger.com is not a party to the agreement between a payment system, bank, or financial institution and its customers and is not responsible for any misuse, abuse, suspension, limitation, or failure of such systems.
  • The rights and obligations between the User and the relevant electronic payment system, bank, or financial institution are governed by the rules, policies, and agreements of that institution.
  • Third-party payments are not permitted. The Customer placing an order on OofChanger.com must pay for that order personally using an account or payment method held in the Customer’s own name.
  • The services offered by OofChanger.com are not intended for use in jurisdictions where such services are illegal or prohibited. The Customer is solely responsible for compliance with applicable local laws and regulations.
  • If changes to the products, services, or rules of OofChanger.com require Customer confirmation, OofChanger.com may provide notice of such changes before they take effect. OofChanger.com reserves the right to suspend services to a Customer who does not accept required modifications, subject to applicable law.
  • Payment details provided to verified Users for purchase orders are confidential. Users must not disclose, publish, distribute, or otherwise misuse payment details received through OofChanger.com. OofChanger.com reserves the right to contact appropriate authorities where confidential or private information is unlawfully disclosed.
  • All applicable payment-system commissions and service fees will be displayed on the OofChanger.com website where applicable.
  • OofChanger.com does not provide e-currency exchange services to U.S. citizens where such services would require OofChanger.com to comply with applicable U.S. regulatory requirements that it does not currently meet.

3. Termination and Refunds

3.1 Fraud Policy

If a User submits a fake, manipulated, or fraudulent payment screenshot or other false payment evidence, OofChanger.com reserves the right to reject or cancel the order and may apply an additional charge or deduction of up to 30% to a subsequent order, subject to applicable law. Complaints relating solely to consequences arising from fraudulent or intentionally false documentation may be rejected.

3.2 General Refund Policy

OofChanger.com reserves the right to refuse or restrict refunds where permitted by these Terms and Conditions, the applicable payment provider’s rules, or applicable law.

Any refund may be reduced by applicable payment processor fees, network fees, bank charges, exchange-rate differences, service fees, cancellation fees, or other costs incurred by OofChanger.com.

3.3 PayPal Transactions

  • PayPal refunds are generally not accepted after the transaction has been processed.
  • If OofChanger.com agrees to accept a PayPal refund, the User may be charged a refund fee of 10% of the transaction amount, with a minimum fee of 20 USD.
  • Users must contact OofChanger.com before initiating any PayPal refund, reversal, dispute, or chargeback and must obtain confirmation that the requested action is accepted.
  • If a User initiates a refund, dispute, chargeback, or reversal without prior approval from OofChanger.com, OofChanger.com shall not be responsible for losses resulting from such action, to the extent permitted by applicable law.

3.4 Third-Party Payments Through PayPal

OofChanger.com may, where permitted, facilitate transactions involving payments received from third parties for legitimate purposes, such as freelance work or other commercial activities.

However, such transactions may be subject to PayPal holds, disputes, investigations, limitations, or other payment-provider procedures.

If a PayPal payment is placed on hold, the User may be required to wait for the payment provider’s applicable review or release period, which may be up to 21 days or longer depending on the circumstances.

If OofChanger.com is unable to retain or recover the funds because of a PayPal dispute, investigation, limitation, reversal, or decision, OofChanger.com may be unable to refund the User for those funds to the extent permitted by applicable law.

3.5 Cryptocurrency Transactions

Transactions involving cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and other digital assets, are generally not eligible for a direct refund after completion.

However, if the User changes their mind and requests to return a cryptocurrency that was purchased, sold, or exchanged, OofChanger.com may, at its discretion, offer to repurchase or exchange the cryptocurrency based on the current market rate at the time of the request.

The applicable transaction/service fee and a 10% fee, with a minimum of 20 USD, may be deducted.

The returned cryptocurrency may be exchanged for another available digital currency or payment method, such as PayPal, Perfect Money, or bank transfer, subject to availability and applicable restrictions.

Because cryptocurrency prices are volatile, the value of the cryptocurrency at the time of the refund or repurchase may differ significantly from its value at the time of the original transaction.

3.6 Transactions Not Involving Cryptocurrency

For transactions that do not involve cryptocurrency, refund requests may be accepted within 30 days of the original exchange transaction, subject to OofChanger.com’s approval.

Where a refund is approved, OofChanger.com may charge a one-time refund fee of 5%–20% of the transaction amount, together with any additional payment-processing, transfer, or service fees incurred in returning the funds through the original payment method.

For example, if a User purchases digital currency through Perfect Money and requests an approved refund, the User may be required to return the purchased digital currency in full. OofChanger.com may then return the funds through Perfect Money after deducting the applicable refund fee and transfer fees.

3.7 Right to Terminate or Refund

OofChanger.com may suspend, terminate, reject, or refund a transaction where permitted by applicable law if:

  • The purpose of the transaction or source of funds is restricted or prohibited under applicable anti-money laundering (AML) requirements or internal compliance policies.
  • Funds were sent under a name that does not match the Customer’s registered or verified name.
  • A third-party payment is detected.
  • The purpose of the transaction is unclear or cannot be reasonably verified.
  • The User fails to provide requested verification or supporting documentation.
  • The User provides documents that appear to be invalid, altered, forged, or unlawfully modified.
  • OofChanger.com has reasonable compliance, fraud, security, or risk concerns regarding the transaction.

OofChanger.com may refuse to provide services to any person where permitted by applicable law. Where appropriate, the User may be notified of the decision.

Payments are final and non-reversible except where a refund, cancellation, repurchase, or other remedy is expressly permitted under these Terms and Conditions.

3.8 Repeated Same-Amount Orders

Where a User places multiple orders of the same amount within a single calendar day, OofChanger.com may apply an additional charge according to the following schedule:

  1. First same-amount order: 0% additional charge
  2. Second same-amount order: 10% additional charge
  3. Third same-amount order: 20% additional charge
  4. Fourth and subsequent same-amount orders: 30% additional charge

This rule applies to qualifying same-amount orders placed within the same calendar day.

4. Customer Support

4.1 Order Handling

  • Customer support is primarily provided based on the information and instructions available in the FAQ and Knowledge Base sections of OofChanger.com.
  • Other forms of assistance, including live chat, may be advisory in nature and should not be considered an official determination unless confirmed by the appropriate support or administration team.
  • Orders are processed on a first-come, first-served basis, subject to payment verification, compliance checks, technical conditions, and transaction complexity.
  • Response times may vary depending on the complexity of the request and the current volume of support requests.
  • Frequently asked and standard questions may be answered by providing links to the relevant pages of OofChanger.com.

4.2 Complaints

For complaints concerning the completion or handling of an order, the Customer may contact OofChanger.com administration at:

[email protected]

The Customer should include the relevant ticket number or order ID in the complaint.

Complaints will normally be reviewed and answered within two (2) business days.

4.3 How to Contact Support

Before contacting support, Users should review all relevant information available in the FAQ and Knowledge Base sections.

If the User encounters a situation similar to one already described in the Knowledge Base but requires further clarification, the User should provide the relevant Knowledge Base link or reference in the support request.

Users should describe their issue clearly and provide all relevant information, including order IDs, transaction details, screenshots, and other supporting documentation where appropriate.

Abusive, threatening, or disrespectful communications may not receive a response and may result in the suspension of support access, subject to applicable law.

5. KYC — Know Your Customer Policy

5.1 Purpose of KYC

The purpose of User identification and verification is to help prevent OofChanger.com from being used for unlawful or fraudulent activities, including payment fraud, identity theft, money laundering, and other prohibited activities.

5.2 Verification Requirements

OofChanger.com may collect identification information from Users who open or maintain an account and/or place orders through the OofChanger.com website.

The User may be required to provide verification documents when:

  • The amount of a single order exceeds 1,000 USD/EUR; or
  • The total value of the User’s orders exceeds 1,000 USD/EUR; or
  • OofChanger.com otherwise determines that additional verification is required for compliance, security, fraud prevention, or risk-management purposes.

All personal information provided by the User, including name, address, telephone number, and identification documents, must be accurate, complete, current, and truthful.

5.3 Required Documents

The User may be required to provide:

  • A valid government-issued photo ID, such as a passport or national ID card; and
  • A recent utility bill or other acceptable proof of address showing the User’s current residential address.

Additional documents may be requested where reasonably necessary for verification or compliance purposes.

KYC verification may be a one-time procedure. However, OofChanger.com reserves the right to request updated or additional verification documents at any time where required for compliance, security, fraud prevention, or risk-management purposes.

6. Privacy Policy

OofChanger.com respects the User’s right to financial and personal privacy.

Information collected for identification, verification, compliance, security, or transaction-processing purposes will be handled in accordance with the OofChanger.com Privacy Policy and applicable law.

OofChanger.com will not disclose personal information to third parties for marketing purposes unless permitted by law and/or with the User’s appropriate consent.

Information may be disclosed where required or permitted by applicable law, regulation, court order, law-enforcement request, regulatory authority, payment provider, or other legally authorized process.

For further information, Users should review the OofChanger.com Privacy Policy.

7. User Acknowledgement

By using OofChanger.com or placing an order through the website, the User confirms that they:

  • Have read and understood these Terms and Conditions;
  • Agree to comply with these Terms and Conditions;
  • Have provided accurate and truthful information;
  • Understand the nature and scope of the services provided by OofChanger.com;
  • Understand that electronic payment systems, bank transfers, cryptocurrencies, and other payment methods may involve financial, technical, regulatory, fraud, and exchange-rate risks; and
  • Accept the risks and responsibilities associated with using the services.

If the User does not agree with these Terms and Conditions, they should not use the services provided by OofChanger.com.