Last Updated: August, 2023
v1.00

Introduction
Welcome to Xchanger.uk, operated by Stellar Skyline s.r.o. ("the Company"). These Terms and Conditions govern
your use of our services.

Definitions
"Services" refer to all services offered on Xchanger.uk.
"User", "you" or "your" refers to the person or entity that uses our Services.
"Crypto Assets" herein shall be deemed as type of assets which can only and exclusively be transmitted by
means of block-chain technology, including but not limited to digital coins and digital tokens and any other
type of digital mediums of exchange, such as Bitcoin, Ethereum, Ripple, etc, to the full and absolute exempt
of the securities of any kind.
“On-ramp/off-ramp” transaction refers to the process of buying and selling of crypto assets.

Eligibility
Users must be at least 18 years old and have the legal capacity to enter into this agreement.
You are responsible for ensuring that using our Services is legal in your jurisdiction.
If you are a Politically Exposed Person (PEP) or representing a PEP, you are not eligible to use our services.

Service Description
Xchanger.uk is a crypto asset exchange platform. Users can swap various crypto assets based on prevailing
rates.
Xchanger.uk is a simple on-ramp/ off-ramp platform where the user can simply convert his/her assets based on
our KYC/AML policies.
We do not guarantee the uptime of our Services or that the Services will be free from errors.

Registration and Account Security
Users need to register an account to use certain Services.
Keep your account details confidential. Any actions under your account will be your responsibility.
Notify us immediately if you suspect unauthorized use of your account.

Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy
Users can only use the Website with registration and verification. In addition, Xchanger.uk employs an
automated system to monitor transactions.
By agreeing to these Terms, you consent to undergo the AML/KYC process, which Xchanger might enforce at its
discretion.
During the AML/KYC process, Xchanger might ask for extra documentation, including, but not restricted to, a
valid ID from your country or information about the source of your funds.
In specific scenarios, like verifying identity for AML/KYC purposes, we might halt your transaction until the
required investigation is complete.
While the review continues, Xchanger can move the held funds to cold storage for protection.
If you decline the AML/KYC process or fail to provide necessary documents, Xchanger retains the right to
decline your present and future transactions.
By agreeing to these Terms, you affirm that the details you share are truthful and you are responsible for
their accuracy and completeness.
For comprehensive details, review the official Xchanger AML and Counter-Terrorist Financing Compliance Policy.
As of August 2023, Xchanger collaborates with a KYC vendor named SumSub.

Transactions
Transaction rates fluctuate based on market conditions.
Once initiated, transactions cannot be reversed.
Users must ensure the details of their transactions, including destination wallet addresses, are correct,
otherwise Xchanger.uk is not liable for any mistakes.
We reserve the right perform Transaction monitoring using our KYT protocols on each and every fiat/crypt asset
transaction and act accordingly if it is considered against our AML policies.

Fees
On-ramp / off-ramp transactions may incur fees.
The Company reserves the right to change fee structures at any time. The fees are currently (but not limited
to) blockchain transaction fee as well as conversion fee. In Xchanger.uk, we try to notify you of all fees
correctly before the trade is initiated. If further fee/charge is needed, due to network congestion or other
unforeseen fees, we reserve the right to change the fee structure for the trade without prior notice.

Limitations & Compliance
The Company adheres to regulations set by the Financial Authority Unite (FAU) of the Czech Republic.
Users may be required to undergo identity verification processes based on/due to our KYC/AML protocols.
We may delay, suspend, or cancel any transaction if we suspect fraudulent activity or as required by law.

Risks
Crypto assets are volatile and can result in significant losses. Use our Services at your own risk.

Intellectual Property
All content on Xchanger.uk is the property of the Company or its licensors. Unauthorized use may violate
copyright, trademark, and other laws.

Termination
We reserve the right to close or suspend your account and access to our Services for violations of these terms
or to protect the integrity of our platform.

Limitation of Liability
Neither Xchanger.uk nor Stellar Skyline s.r.o shall be liable for any damages, including loss of profit, data,
or goodwill, arising out of the use of our Services.
Your use of our Website and Services is at your risk. We offer them "as is" without any explicit or implicit
guarantees.
Xchanger.uk provides no direct assurances and renounces all indirect ones for the website, services, or
external links.
Xchanger.uk cannot guarantee: (A) the website and services meeting your needs, (B) continuous, timely, safe,
error-free service, (C) accuracy of data, or (D) a virus-free website or content.

Amendments
These terms may change. We'll notify users of significant changes, but regular review is advised.

Disputes & Governing Law
These terms are governed by Czech law. Any disputes shall be resolved in Czech courts.

Contact
For inquiries:
Stellar Skyline s.r.o.
Školská 689/20, Nové Město, 110 00 Prague 1
Czech Republic
License Number: 19103352
        

Last update: August 2023
v1.00

Policy Amendment
The Policy is provided in its latest version. Over time, Xchanger may independently revise the Policy, including to adhere to the most recent alterations in relevant laws and legal precedents. All modifications take effect upon their publication on this page, unless a different timeframe is specified within the amendment text. While we will make diligent attempts to establish supplementary means of informing users about Policy changes, we kindly request that you routinely check for the most recent rendition on the website.

Our Identity
The collection, control, and processing of Personal Information are managed by the following entities:
Stellar Skyline s.r.o. at Office Školská 689/20, Nové Město, 110 00 Prague 1, Czech Republic. Contact email: [email protected]

Sum & Substance Ltd. at Office 7 Westwood Business Centre, Continental Approach, Westwood, Kent, United Kingdom. Contact email: [email protected]

Personal Information Collected
In the course of providing our Services, we may collect the following types of Personal Information:
Information necessary for registration: To access the full functionality of the Service, registration is required. This involves providing an email address and creating a password.
Transaction Information: We collect transaction information, including transaction history, for all personal user accounts.
Information collected through automated means: During your use of our Services, including exchange tools, tracking information related to usage such as access date and time, device identification, operating system, browser type, and IP address may be monitored and collected. This information can be obtained directly by us or through third-party services.
Additional Personal Information: In most cases, you are required (such as in a KYC procedure) to share other Personal Information with us, which we may collect accordingly.
We do not collect any identifying information without your consent.

Protection of Minors
We do not intend to solicit or collect Personal Information from individuals under the age of 16, or under the legal age of your country if it is higher. If you are under the age limit, refrain from providing any personal information on our Website and Services platform.

Utilization of Your Information
We and our representatives store and utilize Personal Information exclusively for the provision and enhancement of the Website and Services. Specifically, user Personal Information is used for the following purposes:
Maintaining the Website and Services: Personal Information ensures the proper functioning of our services.
Enhancing the Website and Services: Personal Information assists in making our interface accessible to users across all platforms.
Compliance with Legal Obligations: In numerous jurisdictions, we are required to gather specific user information to be authorized to operate, adhering to Know Your Client and Anti-Money Laundering regulations.
Asset Protection: Information is employed to identify users and their associated assets, enhancing account access security and preventing fraud. Transaction information aids in the detection of suspicious activities and protection against fraud and scams.
Communication: Personal Information collected during registration or other site interactions may be used for security updates, seeking opinions on the website, or providing information about changes to our services.
Dispute Resolution and Enforcement: Information may be used to address disputes and enforce agreements as necessary for protecting user interests.

Data Retention
We retain information for the duration necessary to fulfill the purposes outlined in this policy, in accordance with legal obligations, dispute resolution, and agreement enforcement.
Should you request the removal of personal data, we will comply within two weeks by erasing data to the extent permitted by applicable laws and regulations. Some data might be retained for legal compliance.

Cookie Usage
Cookies are small data files, including anonymous unique identifiers, that are sent to your browser from the Website and stored on your computer's hard drive.
Cookies serve various purposes, including recognizing your browser upon sign-in, tracking specified wallet addresses, monitoring transaction initiation, preventing fraud, enhancing security, and providing performance reports.
Browser cookie management can be adjusted through settings. Disabling cookies may impact certain features and services.

Security Measures
Both Xchanger and SumSub are committed to protecting your information as diligently as we do our own. We do not permit third parties to contact you without consent, and we do not trade, share, or rent personal identification information. You should not disclose your account password to unauthorized parties.
Although we implement security measures, we cannot guarantee their effectiveness against unforeseen or illegal activities attempting to bypass privacy or security settings. Thus, we provide no warranty, expressed or implied, against such access.

Disclosure of Information
We may contract with third parties needing access to personal information for assisting us in providing Services. These third-party service providers are bound by this Policy and are limited to using the information as directed.
Information sharing occurs in line with the methods described in this Policy. Information may also be preserved or disclosed if necessary to comply with legal obligations, protect individuals' safety, address fraud, security, or technical issues, or protect our or our users' rights or property.

Your Information Rights
In accordance with regulations, you possess significant rights related to your Personal Information:
Access and Amendment: You can request a copy of and update the Personal Information we hold about you.
Deletion: You may request the removal of your personal data, with exceptions due to legal requirements or compliance.
Restriction of Processing: You can ask us to limit the processing of your Personal Information.
Objection to Processing: You can object to our use of your Personal Information for various purposes, including marketing.
Data Portability: You can receive your Personal Information in a usable format.
Complaint Lodging: You have the right to lodge a complaint with a supervisory authority.
These rights are subject to exceptions. Access to Personal Information may be denied if it reveals another individual's information or if legal limitations apply.

Legal Compliance and Harm Prevention
We may preserve or disclose information if reasonably necessary to comply with laws, protect individuals' safety, address fraud or security issues, or safeguard our or our users' rights or property. However, this Policy does not limit legal defenses or objections against government requests for information disclosure.

Policy Amendments
This Policy may be amended at our discretion without prior notice. We encourage periodic review to stay aware of potential changes. Your use of Services indicates acceptance of the Policy and Terms of Use.

Contact
For questions about this Policy, please contact us at [email protected]