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TERMS OF SERVICES

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  • Updated

I. COMMON PROVISIONS

  1. These Terms of Services contain an electronic agreement between you (User) and the company UniFinance LLC (UniFinance), company number 292LLC2020, registered in Saint Vincent and the Grenadines (SVG), that applies to your use of this website p2pb2b.io and/or the P2PB2B’s platform in the part of Services related to Special Tokens (virtual currency wallets services for Special Tokens, depositing/withdrawing/trading of Special Tokens, etc).

  2. These Terms of Services contain important provisions, which the User must consider carefully and understand when choosing whether to use the Services, related to Special Tokens. Please read these Terms of Services carefully before agreeing to them.

  3. References in these Terms of Services to UniFinance, 'we', 'our' or 'us', are to the company UniFinance LLC, and references to “User”, 'you' or 'your' are to the person with whom UniFinance enters into the electronic agreement, unless otherwise provided herein.

  4. The User is solely responsible for understanding and complying with any and all laws, rules and regulations of his/her specific jurisdiction that may be applicable to the User in connection with the use of any and all the Services, related to Special Tokens.

  5. By using the Services, related to Special Tokens on the Platform, you agree that you have read, understood, and accept all of the terms and conditions contained in these Terms of Services, as well as our Privacy Policy and our Anti Money Laundering Policy and procedures. The User has to read and to understand the entire Terms of Services carefully before each using the Site and/or any of the Services provided by UniFinance.

  6. IF THE USER DOES NOT ACCEPT AND/OR UNDERSTANDS THESE TERMS OF SERVICES, THE USER SHALL NOT ACCESS THIS SITE AND SHALL NOT USE ANY OF UniFinance’s SOFTWARE, SERVICES, PRODUCTS AND CONTENT.

  7. You should be aware that the risk of loss in acquiring, trading or holding Special Tokens can be high.

  8. You should therefore carefully consider whether trading or holding Special Tokens are suitable for you in light of your financial condition and possible risks.

II. DEFINITIONS

Terms used in these Terms of Services shall be interpreted in accordance with the definitions provided below:
Account:means an account, registered by the User on the Platform.
Buyer:means the User, who makes an Order to buy Special Tokens through the Platform and/or the User whose Order is accepted by the Seller depending on the context.
Fiat currency:means government-issued currency, which is regulated in its country of issuance through government regulation or law.
Fiat currency storage service:means service, delivered by a third party, holding an appropriate financial license, which includes holding of User’s Fiat currency on External Wallet of User.
Order:means the User's offer on the UniFinance’s platform (UniFinance’s software) to buy or sell Special Tokens on certain conditions.
Platform:means an appropriate environment (including software), created and/or operated by the UniFinance, which allows to trade Special Tokens and/or to provide other Services related to Special Tokens.
Seller:means the User who submits an Order to sell Special Tokens through the Platform (UniFinance’s software) and/or the User whose Order is accepted by the Buyer depending on the context.
Services related to Special Tokens or Services:means all and any service, related to Special Tokens provided by UniFinance.
Special Tokens:means a digital asset or a combination of digital assets (highlighted as Special Tokens or represented on the special related to Special Tokens pages/parts of the Platform) with certain especial features as described on such Special Token’s webpage – which, in particular may be represented in their link to values of assets or certain rights. Regarding the each Special Token you must be guided by the Special Token’s webpage, despite the fact that some information about the appropriate Special Token can be presented on the platform – such information is provided by the team/project/legal entity, etc., maintaining/supporting Special Token and we are not responsible for its accuracy).
Storage fee:means fee, charged for Storage service.
Storage service:means service, provided by UniFinance, which includes storing/keeping of balances in Special Tokens from the abandoned Accounts (Accounts not used during the period twelve (12) months or more), and/or balances in no longer supported (including delisted) Special Tokens.
User:means a person or an entity that uses the Services, agrees to follow the Terms of Services and is a holder of an Account.
Voucher:means an alphanumeric redeemable code, which can be used to transfer Special Tokens between Accounts.
Website or Site:means website at https://p2pb2b.io. In part of Services related to Special Tokens the Website is managed exclusively by UniFinance and all the Services on the website, related to Special Tokens are provided exclusively by UniFinance.
Withdrawal:means a transaction involving a transfer of Funds from the User’s Account.
Where the context so admits words denoting the singular shall include the plural and vice versa.

III. ELIGIBILITY AND PROHIBITION OF USE

By using the Services, related to Special Tokens User expressly represents and warrants that he/she:

  1. follows the rules and laws in his/her country of residence and/or country from which he/she accesses this Website, Platform and the Services;

  2. has accepted these Terms of Services;

  3. is at least 18 years old and has the right to accept these Terms of Services and use the Services;

  4. has not previously been suspended or removed from using our Services;

  5. is not a citizen and/or resident of countries blacklisted by FATF, EU, USA (or countries under EU, USA sanction list);

  6. is not a citizen or a resident of the USA, a person or legal entity under the U.S. jurisdiction (in particular whose authorized capital is owned by U.S. citizen and/or resident provided that amount of the latter’s share is 10 or more percent);

  7. will strictly observe the security, authentication, dealing, charging, withdrawal mechanism or procedures of the website/service.

By using Services, related to Special Tokens you agree and give the right to share your personal data (information), provided while registration/verification/using the Platform to UniFinance and authorize UniFinance to use, process, retain such the data (information) in accordance to its Privacy Policy.
If User is entering into these Terms on behalf of a legal entity of which he/she is an employee or agent, User represents and warrants that he/she has all necessary rights and authority to bind such legal entity.
By accessing and using the Services, you represent and warrant that you are not on any trade or economic sanctions (and/or restrictions) lists, such as the UN Security Council Sanctions list.
UniFinance maintains the right to select its markets and jurisdictions to operate and may restrict or deny the Services in certain countries at its discretion. Depending on the User’s place of residence (and/or other legal facts), the User may not be able to use all the functions of the Website.
It is the User’s responsibility to follow those rules and laws in his/her place of residence and/or place from which the User accesses this Website. The User must understand that technical possibility to use the appropriate Services on the Platform doesn’t mean that such a use is legal for him/her. The User is solely responsible for understanding and complying with any and all laws, rules and regulations of his/her specific jurisdiction that may be applicable to the User in connection with the use of any and all services, products and content of UniFinance.
Please note that not all our Services are available in every country. In particular, UniFinance does not provide Services to citizens or residents of countries that are blacklisted by FATF.
Depending on the User’s place of residence, there might be other factors which might limit the Users in using the Services fully or in part. It is your responsibility to follow those rules and Laws in your place of residence and/or place from which you access the Site and/or the Platform. UniFinance currently may restrict trading activity for Users (including residents and citizens, or through agency or representation) in the certain jurisdictions (including, but not limited to): Canada, UK, Australia, France, Japan, People’s Republic of China.
ATTENTION TO USERS, IN PARTICULAR TO RESIDENTS OF UNITED STATES OF AMERICA (CITIZENS AND/OR OTHER PERSONS, OBLIGED TO COMPLY WITH THE APPROPRIATE LAWS OF USA) OR ANY OTHER JURISDICTION OR COUNTRY WHERE INITIAL DISTRIBUTION OR SECONDARY TRADING OF CERTAIN SPECIAL TOKENS (TRADED ON THIS PLATFORM AND/OR VIA THE UNIFINANCE’S SOFTWARE) IS (WOULD BE) CONTRARY TO ANY LAW OR REGULATION OR DEMANDS ANY REGISTRATION, LICENSING OR OTHER AUTHORIZATION, ETC. OF ENTITY, PERSON, SPECIAL TOKENS AND/OR DEMANDS FROM ENTITIES (PERSONS), MANAGING THIS PLATFORM TO PERFORM OTHER LEGAL DEEDS.
THE APPROPRIATE SPECIAL TOKENS, TRADED ON THIS PLATFORM IS NOT INTENDED FOR PURCHASE/SALE AND/OR DISTRIBUTION TO, OR USE BY ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY, WHERE SUCH PURCHASE AND/OR DISTRIBUTION AND/OR USE IS (WOULD) BE CONTRARY TO ANY LAW OR REGULATION, OR WHICH WOULD OBLIGE (WOULD SUBJECT) AN ISSUER/SELLER/BUYER OF SUCH SPECIAL TOKENS (TRADED ON THIS PLATFORM AND/OR UNIFINANCE TO ANY REGISTRATION, LICENSING OR OTHER AUTHORIZATION REQUIREMENT WITHIN SUCH JURISDICTION OR COUNTRY.

IV. OUR SERVICES

  1. UniFinance provides an online Special Tokens (asset) trading platform for Special Tokens. UniFinance functions as a trading platform provider and not as a buyer or seller in trades made between Users, Sellers, Buyers. The User acknowledges and agrees that, when completing trading transactions, he/she is trading with other Users, and that UniFinance acts only as a provider of the appropriate technical services in such transactions, not as the counterparty to any trade.

  2. UniFinance strives to maintain the accuracy of information on the Website (Platform) and/or given while providing of the Services, however UniFinance cannot and does not guarantee the accuracy, suitability, reliability, completeness, performance or fitness for any purpose of the content made available through the Website (Platform), Services, and will not be liable for any loss or damage that may arise directly or indirectly from your use of such content. Information on the Services can be subjected to change without notice and is provided for the primary purpose of facilitating users to arrive at independent decisions.

  3. UniFinance does not provide investment or advisory advice and will have no liability for the use or interpretation of information. All users of the Services must understand that there are risks involved in trading in Special Tokens. UniFinance encourages all users to exercise prudence and trade responsibly within their own means.

V. OUR RIGHTS, RESPONSIBILITIES AND WARRANTIES

  1. UniFinance undertakes to provide the Services with the appropriate effort, due care and in accordance with these Terms of Services. UniFinance’s responsibility shall be limited to using reasonable technical efforts to ensure the receipt of the Special Tokens transferred. When initiating Special Tokens transactions to a user who is not the UniFinance User, UniFinance responsibility shall be further limited to ensuring the transfer of the necessary technical data to the Special Tokens network.

  2. To the extent permitted by law, UniFinance is not responsible for any damages, loss of profit, loss of revenue, loss of business, loss of opportunity, loss of data, indirect or consequential loss unless the loss suffered is caused by a breach of the Terms of Services by UniFinance.

  3. UniFinance has the right to suspend providing the Services (freeze/block all or part of Special Tokens on the User’s Account) in case of non-fulfillment or unduly fulfillment of the Terms of Services by the User.

  4. UniFinance is not responsible: - for the delay in the processing of payments made by the fault of any third parties, operators of such transactions; - for any malfunction, breakdown, delay or interruption, including but not limited to, caused directly or indirectly by blockchain environment and its processes, nodes etc., and/or caused by the Internet connection or any reason why our Website and/or Platform (Services) are unavailable at any given time.

  5. In the case of fraud, UniFinance undertakes to report all the necessary information, including names, addresses and all other requested information, to the relevant authorities dealing with fraud and breaches of the law.

  6. The Users recognize that their account may be frozen at any time at the request of any competent authority investigating a fraud or any other illegal activity and/or according to applicable law and/or according to the Terms of Services.

  7. All buy and sell orders made on the Platform, will be managed in an anonymous manner so that Buyers and Sellers are not acquainted with each other. The exchange (transaction) price is calculated on the basis of actual matched orders made by the Buyers and Sellers participating in the bidding process on the Platform combined with the applicable fees.

  8. UniFinance represents and warrants that once the orders to buy or sell Special Tokens match, such orders may not be cancelled or reversed. It holds all Special Tokens acquired by each User in his/her Account and on the respective User's behalf.

  9. UniFinance reserves the right to cancel orders/trades obviously made by mistake (in particular if the price of the order/trade due to mistake is clearly very different from the market price, orders/trades obviously made due to lags of User’s equipment/software etc.) The cancelation can be made based on request of interested User and/or decision of UniFinance and only if an appropriate technical possibility exists in case if mistake made is absolutely obvious. This right couldn’t be considered as an obligation and/or a guaranty of UniFinance.

  10. UniFinance does not provide any financial, investment or legal advice in connection with the Services provided by UniFinance. UniFinance may provide news of the Platform, information on the price, range, volatility of Special Tokens and events that have affected the price of Special Tokens and/or links to trading ideas of third parties (persons), but it should not be considered as an investment or financial advice and should not be construed as such. Any decision to buy or sell Special Tokens is the User’s decision and UniFinance will not be liable for any loss suffered.

  11. No communication or information provided to User by UniFinance is intended as, or shall be considered or construed as, investment advice, financial advice, trading advice, or any other sort of advice. User is solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for him/her based on his/her personal investment objectives, financial circumstances and risk tolerance. User should consult legal or tax professional regarding specific situation. UniFinance does not recommend that any Special Tokens should be bought, earned, sold, or held. Before making the decision to buy, sell or hold any Special Tokens, User should conduct his/her own due diligence, study documents (terms and conditions, white paper, etc.) related to Special Tokens and consult financial advisors before making any investment decision. UniFinance will not be held responsible for the decisions User make to buy, sell, or hold Special Tokens based on the information provided by UniFinance.

VI. THE USER’S RIGHTS, RESPONSIBILITIES AND WARRANTIES

  1. The User has the right to enter and/or use the Services, as long as he/she agrees to and actually complies with the Terms of Services. By using the Site, the User agrees to accept and comply with the terms and conditions stated herein.

  2. The User has to comply with any and all applicable laws and regulations related to the use of the Services.

  3. The User has to monitor all and any changes on his/her Account (changes related to Special Tokens). The User has to inform UniFinance immediately about any unusual, suspicious, not sanctioned, abnormal changes on his/her Account (changes related to Special Tokens) unifinance@p2pb2b.io. In case of late informing or non-informing the User will be liable for the breach of the Terms of Services and UniFinance will have the right to take any further steps accordingly, including but not limited to report to the relevant state or national authorities.

  4. The User agrees that, whenever the transaction is made, the Platform sends and receives the Special Tokens to/from the Buyer’s and the Seller’s Accounts.

  5. The User has to inform UniFinance immediately of any unauthorized use of his/her Account or password, or any other breach of security by email unifinance@p2pb2b.io. Any User who violates the mentioned rules held liable for any losses incurred by UniFinance or any user of the Site, providing of the Services may be suspended.

  6. The User undertakes not to use the Service to perform criminal and/or not legal activity of any sort, including but not limited to, money laundering, illegal gambling operations, financing terrorist organizations, or malicious hacking.

  7. The User is responsible for any and all damages caused, and all liability actions brought against UniFinance for infringement of any third-party rights or violation of any applicable laws. Nothing in the Terms of Services excludes or limits the liability of the User for fraud, penalties any other negative consequences, caused by their negligence, breach of the terms implied by operation of law or any other liability which may not be limited or excluded by law.

  8. Users are solely responsible for determining whether any contemplated transaction is appropriate for them based on their personal goals, financial status and risk willingness.

  9. All payment instruments (methods), used to deposit/withdraw funds to/from User’s Account (bank account, credit card, debit card, or others) must be personalized and owned by the Account holder. Any attempt otherwise will (or can) be recognized as fraud.

  10. By using the Services the User expressly represents and warrants that he/she: follows the rules and laws in his/her country of residence and/or country from which he/she accesses this Site and Services; has accepted these Terms of Services and has the right to accept these Terms of Services and participate in transactions involving Special Tokens.

  11. The User represents and warrants that Special Tokens held on his/her Account (deposited and/or indicated, basing on the information from External wallet) on the Platform belong to the User and derived from legal sources.

  12. The User represents and warrants than he/she will withdraw any Special Tokens from his/her Account only to his/her wallets, otherwise UniFinance does not hold any liability for the consequences of such withdrawal. A mistake in requisite of the User’s wallet while transaction may cause the loss of appropriate currencies without any responsibility and/or coverage from UniFinance.

  13. The User represents and warrants that all transactions being carried out do not violate the rights of any third party or applicable laws.

  14. The User understands that his personal data may be shared due to legal obligations etc. It may be used according to our Privacy policy.

  15. The User undertakes to pay all his/her taxes and duties, which can be resulted from the use of UniFinance Services and should be paid according to the User’s state of residence regulations. UniFinance is not responsible for any violation made by the User due to his/her obligation to calculate and pay taxes and duties. The User has to refrain from transactions on the Platform related to tax offences and/or violations.

By accessing the Service, User agrees that UniFinance shall have the right to investigate any violation of these Terms of Services, unilaterally determine whether User has violated these Terms of Services, and take actions to apply relevant rules without receiving User’s consent or giving prior notice. Examples of such actions include, but are not limited to:
- block and close order requests;
- freezing/suspending Services;
- reporting the incident to authorities;
- publishing the alleged violations and actions that have been taken;
- deleting any information User published that is in violation.

VII. RISK DISCLOSURE

  1. Any statements made on Platform, in UniFinance’s software or in information provided by UniFinance do not constitute investment advice.

  2. UniFinance is not liable for any errors or omissions or oversights.

  3. You are not entitled to a refund at any time or for any reason.

  4. The Digital Assets market is a dynamic area and the respective prices are often highly unpredictable and volatile. You should not deal in these or similar products unless you understand their nature and the extent of your exposure to risk. You should also be satisfied that the product is suitable for you in light of your circumstances and financial position. In addition, use of the Platform and of our Services can never be considered a safe investment but only an investment with a high risk of loss inherently associated with it. It is possible that the value of Digital Assets (in particular, Special Tokens) will drop significantly in the future. The market for Digital Assets is still new and uncertain. No-one should have funds invested in Digital Assets or speculate in Digital Assets that she is not prepared to lose entirely.

  5. Whether the market for one or more Digital Assets will move up or down, or whether a particular Digital Asset will lose all or substantially all of its value, is unknown. Participants should be cautious about holding Digital Assets.

  6. There are risks associated with utilizing an internet-based platform including, but not limited to, the failure of hardware, Services software, and internet connections. You acknowledge that UniFinance shall not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the services.

  7. Hackers or other groups or organizations may attempt to steal your Digital Assets or the revenue from your transactions.

  8. The Software partially based on open-source software, and there is a risk that some weaknesses or bugs may be introduced into infrastructural elements of the Platform causing the loss of the Digital Assets stored in one or more Wallets.

  9. The blockchain used for the Services software is susceptible to mining attacks, including but not limited to double-spend attacks, majority mining power attacks, “selfish-mining” attacks, and race condition attacks. Any successful attack presents a risk to the Software, expected proper execution and sequencing of the transactions, and expected proper execution and sequencing of computations.

  10. Digital Assets transactions are irrevocable and stolen or incorrectly transferred Digital Assets may be irretrievable. As a result, any incorrectly executed Transaction could adversely affect the value of your Wallets. Once a transaction has been verified and recorded in a block that is added to the blockchain, an incorrect transfer of Digital Assets or a theft of Digital Assets generally will not be reversible and there may be no compensation for any such transfer or theft.

  11. The risk information presented here does not reflect all of the risks or other important aspects of your transactions via the Services (including related to the nature and performance of any products available on the Platform). Therefore, before starting to use the Services, you should learn the specifics of such transactions and possible underlying assets in detail or seek further professional advice. Please consider these risks carefully and seek professional advice if anything in this section or in the general is not clear to you. Do not use the Services until you are sure that you correctly understand all the associated risks.

  12. Markets for Digital Assets have varying degrees of liquidity. Some are quite liquid while others may be thinner. Thin markets can amplify volatility. There is never a guarantee that there will be an active market for one to sell, buy, or trade Digital Assets or products derived from or ancillary to them. Furthermore, any market for tokens may abruptly appear and vanish. UniFinance makes no representations or warranties about whether a Digital Asset that may be traded on the Site any point in the future, if at all. Any Digital Asset is subject to delisting without notice or consent. Values in any digital asset marketplace are volatile and can shift quickly. Participants in any Digital Assets market are warned that they should pay close attention to their position and holdings, and how they may be impacted by sudden and adverse shifts in trading and other market activities.

  13. The legal status of certain Digital Assets may be uncertain. This can mean that the legality of holding or trading them is not always clear. Whether and how one or more Digital Assets constitute property, or assets, or rights of any kind may also seem unclear.

  14. Participants are responsible for knowing and understanding how Digital Assets will be addressed, regulated, and taxed under applicable law.

  15. When you finance a purchase or sale of Digital Assets on a peer-to-peer basis, you run the risk of losing your provided financing. Similarly, when you accept financing to enter a trading agreement, you accept the risk of not being able to repay that financing (e.g., if the market price of the Digital Asset you purchased with the financing falls). Participants should know all of the terms of any contracts they enter and how their trading strategies and other market and risk factors can affect their financing obligations.

  16. Before buying, trading Digital Asset/Special Tokens (including initial offering) User has to read (study) carefully and to understand the documents related to such Digital asset (e.g. terms and conditions, white paper, prospectus, road map etc.).

VIII. INTELLECTUAL PROPERTY RIGHTS

  1. All content on this Site is the property of UniFinance and is protected by copyright, patent, trademark and any other applicable laws, unless otherwise specified hereby.

  2. The trademarks, trade names, service marks and logos of UniFinance (hereinafter the “Trademarks”) are the property of UniFinance. The software, applications, text, images, graphics, data, prices, trades, charts, graphs, video and audio materials related to the Services used on this Site belong to UniFinance. The Trademarks and other content on the Site related to the Services may not be copied, reproduced, modified, republished, uploaded, posted, transmitted, scraped, collected or distributed in any form or by any means, no matter manual or automated. The use of any content from the Site on any other site or a networked computer environment for any other purpose is strictly prohibited; any such unauthorized use may violate copyright, patent, trademark and any other applicable laws and could result in criminal or civil penalties.

  3. Each project, team, company, User – initiator, sponsor of Special Token listing and/or customer of listing services and/or services of Special Token Offering (STO) grants to UniFinance a non-exclusive, personal, royalty-free license to use its created intellectual property (logos, trademarks, description of the project, promotional materials, etc.) in relation to listing and/or STO to the extent necessary for UniFinance to carry out its obligations in relation to listing and/or STO and for informing and promotion.

IX. VERIFICATION

  1. For using the Services, the User agrees to share personal information requested for the purposes of identity verification. This information is used specifically for the detection of money laundering, terrorist financing, fraud and other financial crimes on the Platform. UniFinance will collect, use and share this information in accordance with our posted Privacy Policy. In addition to providing this information, to facilitate compliance with global industry standards for data retention, you agree to permit us to keep a record of such information for the lifetime of your account plus 5 years beyond account closing. You also authorize us to make inquiries, either directly or through third parties, that are deemed necessary to verify your identity, to check the relevance and accuracy of the information provided for verification purposes or to protect you and/or us against financial crimes such as fraud.

  2. Identification and verification procedures (also known as 'Know Your Customer' or 'KYC') are required. If the User refuses to provide required documents and information under KYC, UniFinance reserves the right to immediately terminate the Services provision to the User.

  3. The User undertakes to provide UniFinance with correct and relevant documents and personal information contained therein. In case the User provides counterfeit documents and/or false personal information, such behavior will be interpreted as a fraudulent activity – in that case UniFinance reserves the right to immediately terminate the Services provision to the User.

  4. If there is any reasonable doubt that any information provided by you is wrong, untruthful, outdated or incomplete, UniFinance shall have the right to send you a notice to demand corrections, request additional information, remove relevant information directly and, as the case may be, terminate all or part of the Services to you. You shall be solely and fully responsible for any loss or expenses incurred during the use of Services if you cannot be reached through the contact information provided.

X. ACCOUNT MAINTENANCE

  1. The Site is for the User’s personal and non-commercial use only. You are not permitted to use the Services for any resale or commercial use including to place trades on behalf of another person or entity.

  2. UniFinance is vigilant in maintaining the security of the Service. By using the Services, the User agrees to provide UniFinance with actual (up to date), accurate and complete personal information and to keep such information updated.

  3. UniFinance reserves the right to set and/or recommend amount limits for the Account funding/withdrawal related to Special Tokens. UniFinance may set and/or recommend daily, monthly and per one-transaction amount limits but is not obliged to do it.

  4. The User is responsible for maintaining the confidentiality of information on their Account, including, but not limited to their password, email, wallet address, wallet balance and of all activities including transactions of Special Tokens made via their Account. If there is any suspicious activity related to the Special Tokens on User’s Account or in accordance with its internal policies, UniFinance may request additional information from the User, including authenticating documents and freeze the Special Tokens on the Account for the review time. The User is obligated to comply with these security requests.

  5. In case if it has been twelve (12) or more months since the User signed in with his/her Account or made the Special Tokens deposit, UniFinance has the right to qualify this Account as abandoned. The Storage fee will be applied to each Special Tokens on the Account with prior email notification to the User in the amount of 0,25 % per day (from the sum of each Special Token on the date of notification). In that case UniFinance will charge the Storage fee set forth herein. In case if certain Special Token is delisted from the Platform provided that the User failed to withdraw such the Special Token in term, mentioned in notification(s) about delisting and UniFinance didn’t keep the possibility to hold such the Special Token or its balance related to the User, UniFinance reserves the right to charge the one-time Storage fee in the full amount of the appropriate delisted Special Token on the Account of the User.

XI. TRANSACTIONS

  1. The Platform allows the User to submit the Orders to buy or sell Special Tokens.

  2. The User recognizes that the Order should only be submitted after careful consideration and the User understands and accepts consequences of its execution. The User agrees that as soon as the Order is executed, such transaction is irreversible and may not be cancelled. Transactions will be executed instantly upon the matching of the Buyer's and the Seller's Orders without prior notice to the Seller and the Buyer and will be considered to have taken place at the execution date and time.

  3. The User acknowledges and agrees that in case the destination tag is not specified, is incorrectly indicated or the reference number is incorrectly specified, the User may lose the deposit or at least the processing speed of such requests will be made with low priority.

  4. Minimal and maximal price, as well as minimal and maximal order amount and/or other restrictions (limits) for trade orders (operations) may be set. Restrictions (limits) may vary for each trading pair (and/or depending on other details).

  5. The User acknowledges and agrees that Deposit and Withdrawal transaction may be delayed due to some verifications and checks (performed by UniFinance or appropriate third parties). Similarly, and due to the inherent nature of the Special Tokens networks, the User acknowledges and agrees that depositing and withdrawing Special Tokens into/from their Account may take some time.

  6. Unverified users are not allowed to deposit/withdraw/buy any Special Tokens from their Account until the verification process has been completed

  7. The User can use Vouchers to transfer Special Tokens between the Accounts (if applicable on the Platform). The Voucher should be redeemed before its expiration date set by UniFinance. UniFinance shall not be liable and shall not accept any liability, obligation or responsibility whatsoever for any loss or damage arising from the User's use of the Vouchers purchased from any third parties or acquired in any other way. To avoid doubts, the User is solely responsible for ensuring that the Voucher they acquired is genuine and redeemable.

  8. In case if the User discovers transaction activity with Special Tokens, including but not limited to unknown deposits and withdrawals, on their Account that was not initiated by the User, the User shall immediately notify UniFinance of this fact and follow the instructions sent by UniFinance. Otherwise, UniFinance reserves the right to freeze the Special Tokens on the Account until the end of investigation.

  9. UniFinance may be forced to cancel or recall already executed Withdrawal transaction at a request of financial institutions, including but not limited to banks, which are involved in settlement of such transactions. In such cases the User obliges to cooperate with UniFinance in order to discover the reasons for such request.

  10. UniFinance reserves the right to set the minimal and/or maximal deposit amount for Special Tokens hold by the User on the Platform. If the amount is less and/or higher than specified, the funds will not be credited to the User's Account.

XII. FEES

  1. You agree to pay to UniFinance the fees set at Fee Schedule which may be updated from time to time in UniFinance’s sole discretion. Any such updated fees will apply prospectively to any trades or other transactions that take place following the effective date of such updated fees. You authorize UniFinance to remove any amounts from your Account for any applicable fees owed by you under these Terms.

  2. The minimal fee equals to minimal currency amount. The fee is charged with a rounding in the favor of the Platform. The rounding policy for Special Tokens may vary depending on Special Tokens.

  3. For specific type of orders the fee may differ from those published on the Website. Such special fee rate shall be disclosed before the order execution.

  4. The fees, other charges, as well as the charge procedure can be changed/reviewed unilaterally by UniFinance from time to time and such changes shall become effective the moment they are posted on the Site.

XIII. ILLEGAL TRANSACTIONS

  1. UniFinance reserves the right to suspend or terminate Services at any time if we reasonably believe to be required to do so by the law or in order to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime.

  2. It is strictly forbidden to use the Services for any illegal purposes. UniFinance will report any suspicious activity to the relevant law enforcement. The User shall ensure that they do not use the Services for the transactions relating to:
    - money laundering, terrorist financing, proliferation of weapons of mass destruction;
    - human trafficking;
    - any goods or services that are illegal or the promotion, offer or marketing of which is illegal or that are offered in connection with illegal, obscene or pornographic content, depict children or minors in sexual postures, depict means of propaganda or signs of unconstitutional organizations glorifying war or violating human dignity;
    - any goods or services, promotion, offer or marketing of which would violate copyrights, industrial property rights or other rights of any person;
    - drugs, narcotics or hallucinogens;
    - weapons of any kind;
    - illegal gambling services - Ponzi, pyramid or any other “get rich quick” schemes;
    - goods that are subject to any trade embargo;
    - media that is harmful to minors and violates laws and, in particular, the provision in respect of the protection of minors;
    - body parts or human remains;
    - protected animals or protected plants;
    - weapons or explosive materials;
    - or any other illegal goods, services or transactions.

XIV. ACCOUNT SECURITY

  1. The User is responsible for maintaining the confidentiality of their Account’s credentials, including, but not limited to a password, email, wallet address, balance and of all activity including transactions related to Special Tokens made through the Account.

  2. P2PB2B personnel will never ask the User to disclose their password. Any message the User receives or website that he/she visits that asks for the password, other than the P2PB2B’s Site, should be reported to P2PB2B. Before each using of the Website the User has to check (ensure) that he/she is using a genuine website.

  3. We advise to change the User’s password regularly in order to reduce the risk of a security breach in relation to the Account. The User must never allow anyone to access his/her Account or watch the User accessing his/her Account. If the User has any security concerns concerning his/her Account, login details, (password or other security feature being lost, stolen, misappropriated, used without authorization or otherwise compromised), the User is advised to change the password immediately. The User must contact support service without undue delay on becoming aware of any loss, theft, misappropriation or unauthorized use of the Account, login details, password or other security features. If the User suspects that someone else accessed his/her Account, the User should also contact an appropriate government agency and report the incident.

  4. Irrespective of whether the User is using a public, a shared or his/her own computer to access the Account, the User must always ensure that his/her login details are not stored by the browser, cached or otherwise recorded. The User should never use any functionality that allows login details or passwords to be stored by the computer he/she is using.

  5. Additional products or services the User uses may have additional security requirements and the User must familiarize with those as notified to him/her.

  6. We strictly recommend to use additional authentication options of the Platform.

  7. The User shall be the only liable for the damages or losses caused by his/her negligence in security matters and/or non-reporting, delay in reporting security/access concerns to UniFinance.

  8. User shall be solely responsible for the safekeeping of his/her Account and password, and shall be responsible for all activities under Account and UniFinance will not be responsible for any loss or consequences of authorized or unauthorized use of your Account credentials including but not limited to information disclosure, information posting, consent to or submission of various rules and agreements by clicking on the website, online renewal of agreement, etc.

XV. FRAUD INVESTIGATION POLICY

  1. User has to report fraud, related to certain operation(s)/asset(s)/account(s) to the UniFinance. Fraud report has to be made from the User’s email bound with his verified account to authenticate User's identity. Additional verification of the User’s identity may be requested by UniFinance.

  2. If convincing evidence(s) of fraud is(are) provided, the appropriate operation(s)/asset(s)/account(s) is(are) considered suspicious of fraud.

  3. As a rule, the UniFinance will freeze suspicious of fraud asset(s) and/or will cancel suspicious of fraud operation(s) and/or will transfer stolen funds to proper owner only based on final resolution in written of the appropriate competent authorities (courts etc.) or based on the UniFinance’s internal KYC/AML procedures.

  4. As an exception UniFinance reserves the right:
    - to freeze temporary asset(s) if convincing evidence(s) is (are) submitted that the interested person has turned to law enforcement and the appropriate investigation is underway (for reasonable time according to a decision of an appropriate UniFinance’s body);
    - in absolutely apparent cases to freeze and to return clearly stolen assets to its proper owner based on internal investigation and decision of the UniFinance. In such cases before assets transfer - the proper owner has to pass registration and verification on the Platform and the cost of investigation and considering by the UniFinance (based on time spent) has to be compensated according to the appropriate invoice.

XVI. TERMINATION

  1. The User may terminate the Terms of Services and stop using Services at any time, following settlement of any pending transactions and paying all due fees.

  2. The User also agrees that UniFinance may, by giving notice, at its sole discretion terminate his/her access to the Services, including without limitation, our right to: limit, suspend or terminate the Services and take technical and legal steps to keep the User off the Site if we think that he/she or his/her activity/deeds linked to illegal activity, infringing the intellectual property rights of third parties or acting inconsistently with the letter or spirit of these Terms.

  3. Additionally, we may, in appropriate circumstances and at our discretion, suspend or terminate using Services for reasons: (1) attempts to gain unauthorized access to the Site or another User's account or providing assistance to others' attempting to do so, (2) overcoming software security features limiting use of or protecting any content, (3) usage of the Service to perform illegal activities such as money laundering, illegal gambling operations, financing terrorism, or other criminal activities, (4) violations of these Terms of Services, (5) failure to pay or fraudulent payment for transactions and/or Services, (6) unexpected operational difficulties, or (7) upon the request of law enforcement or other government agencies, if deemed to be legitimate and compelling by UniFinance, acting at its sole discretion.

  4. The suspension of the Services shall not affect the payment of the fees due for past transactions. Upon termination, the User shall provide a valid account details or Special Tokens address to allow the transfer of any Special Tokens deposited to his/her Account. UniFinance shall transfer the currencies as soon as possible following the User's request in the time frames specified by UniFinance. If Services are suspended because of detection of illegal or criminal activity transfer may be delayed for the time necessary for appropriate investigation of an appropriate authorities.

XVII. SERVICES AVAILABILITY

  1. All Services are provided “AS IS”, without guarantees of any kind, either expressed or implied.

  2. UniFinance will strive to keep the Site up and running; however, all online services suffer from occasional disruptions and outages and UniFinance is not liable for any disruption or loss the User may suffer as a result. Thus, UniFinance does not provide any guarantees that access to the Site/Services will not be interrupted or that there will be no delays, failures, errors, omissions or loss of transmitted information.

  3. UniFinance will use reasonable efforts to ensure that the User can normally access the Site and/or Services in accordance with the Terms of Services. UniFinance may suspend use of the Services for maintenance and will make reasonable efforts to give the User a notice. The User acknowledges that this may not be possible in an emergency.

XVIII. API

In order to ensure a stability of the Platform API requests maybe reasonably limited by UniFinance at our discretion. If this limit is exceeded, it may result to the ban for reasonable time.

XIX. MOBILE APPLICATIONS AND WIDGETS

  1. UniFinance may provide mobile applications (“mobile apps”), which can be used to get an access to the Account. The use of these mobile apps is the subject to these Terms of Services.

  2. UniFinance may provide widgets for the User’s use (solely or collectively with other legal entities managing the Platform). The User is free to use widgets in their original unmodified and unaltered state.

XX. NOTICES, ANNOUNCEMENTS AND COMMUNICATION

  1. UniFinance reserves the right to send notices to and communicate with the User by any means of communication available to UniFinance, considering the contact details provided by the User.

  2. The User expressly agrees to receive any notices in electronic form and to be bound by them, if so is required by the Terms of Services.

  3. The official information channel of UniFinance is the Website. Nevertheless any recommendation and/or trade idea (even on official channel of UniFinance) don’t have a status of official recommendation and/or trade idea of UniFinance.

  4. All official announcements, news, promotions, competitions and airdrops will be posted on our Website.

  5. UniFinance will not be held liable or responsible in any manner of compensation should users incur personal losses arising from ignorance or negligence of the announcements.

  6. UniFinance may provide information related to different Digital Assets on this Site, but UniFinance does not endorse, evaluate, approve or certify such information, nor does it guarantee the accuracy, completeness, efficacy, authenticity or timeliness of such information. User shall use information from official websites of Digital Assets and/or from other sources and shall check accuracy, completeness, efficacy, authenticity and timeliness of such information by himself or applying to appropriate consultants. Besides, the User shall not use the UniFinance’s Website to get an address of official website, related to any Digital Asset.

  7. UniFinance reserves the right to send the official information via support of the Website.

XXI. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms of Services shall be governed by and construed in accordance with the laws of the SVG, unless otherwise expressly provided.
Unless otherwise is provided by applicable law all disputes shall be settled by the authorized courts of SVG or by arbitration in SVG.

XXII. LIMITATION OF LIABILITY

IN NO EVENT SHALL UniFinance, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND ALL THIRD PARTY SERVICE PROVIDERS BE LIABLE TO THE USER OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING ANY THAT MAY RESULT FROM (I) ACCURACY, COMPLETENESS OR CONTENT OF THIS SITE, (II) ACCURACY, COMPLETENESS OR CONTENT OF ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (III) THE SERVICES FOUND AT THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (IV) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, (V) THIRD-PARTY CONDUCT OF ANY NATURE WHATSOEVER, (VI) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY AND ALL CONTENT, PERSONAL INFORMATION, FINANCIAL INFORMATION OR OTHER INFORMATION AND DATA STORED THEREIN, (VII) ANY INTERRUPTION OR CESSATION OF SERVICES TO OR FROM THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (VIII) ANY VIRUSES, WORMS, BUGS, TROJAN HORSES OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR FROM THIS SITE OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THIS SITE, (IX) ANY USER CONTENT OR CONTENT THAT IS DEFAMATORY, HARASSING, ABUSIVE, HARMFUL TO MINORS OR ANY PROTECTED CLASS, PORNOGRAPHIC, “X-RATED”, OBSCENE OR OTHERWISE OBJECTIONABLE AND/ OR (X) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USER'S USE OF THIS SITE OR THE SERVICES FOUND AT THIS SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL OR EQUITABLE THEORY AND WHETHER OR NOT UniFinance IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ADDITION, YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THIS SITE OR THE SERVICES FOUND AT THIS SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED. IN ADDITION, THE USER SPECIFICAL LY ACKNOWLEDGE AND AGREE THAT IN NO EVENT SHALL UniFinance’S TOTAL AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNT PAID BY THE USER FOR THE PARTICULAR SERVICES THAT ARE THE SUBJECT OF THE CAUSE OF ACTION. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND SHALL SURVIVE ANY TERMINATION OR EXPIRATION OF THESE TERMS OF SERVICES OR THE USER'S USE OF THIS SITE OR THE SERVICES FOUND AT THIS SITE.
UniFinance will not be liable for the transactions, initiated by the User, below the prescribed limits.

XXIII. INDEMNITY

The User agrees to protect, defend, indemnify and hold harmless UniFinance and its officers, directors, employees, agents and third party service providers from and against any and all claims, demands, costs, expenses, losses, liabilities and damages of every kind and nature (including, without limitation, reasonable attorneys’ fees) imposed upon or incurred by UniFinance directly or indirectly arising from (i) the User’s use of and access to this Site or the Services found at this Site; (ii) the User’s violation of any provision of the Terms of Services or the policies or agreements which are incorporated herein; and/or (iii) the User’s violation of any third-party right, including without limitation any intellectual property or other proprietary right. The indemnification obligations under this section shall survive any termination or expiration of the Terms of Services or the User’s use of this Site or the Services found on this Site.

XXIV. FORCE MAJEURE

If UniFinance is unable to perform the Services outlined in the Terms of Services due to the factors beyond its control including but not limited to the event of Force Majeure, change of law or change in sanctions policy, UniFinance will not have any responsibility to the User with respect to the Services provided hereunder and for a time period coincident with the event.

XXV. MODIFICATIONS AND AMENDMENTS

UniFinance reserves the right to amend or modify any portion of these Terms of Services at any time by publishing the revised version of the Terms of Services on the Site. The changes will become effective and shall be deemed accepted by the User, the first time the User uses the Services after the publishing of the revised Terms of Services and shall apply on a going-forward basis with respect to any activity initiated after publishing. In the event that the User does not agree with any such modification, the User's sole and exclusive remedy is to terminate the use of the Services and close the Account. The User agrees that UniFinance shall not be liable to the User or any third party as a result of any losses suffered by any modification or amendment of these Terms of Services.

XXVI. LINKS TO THIRD-PARTY WEBSITES

This Site and the Services found at this Site may contain links to third-party websites that are not owned or controlled by UniFinance. UniFinance assumes no responsibility for the content, terms and conditions, privacy policies or practices of any third-party websites. In addition, UniFinance does not censor or edit the content of any third-party websites. By using this Site or the Services found at this Site, you expressly release UniFinance from any and all liability arising from the User's use of any third-party website. Accordingly, UniFinance encourages the User to be aware when the User leaves this Site, or the Services found at this Site and to review the terms and conditions, privacy policies and other governing documents of any other website that you may visit.

XXVII. AML/CFT/KYC POLICY

  1. UniFinance Anti-Money Laundering, Countering Financing of Terrorism and Know Your Customer Policy (hereinafter - the "AML/CFT/KYC Policy") is designated to prevent and mitigate possible risks of UniFinance being involved in any kind of illegal activity.

  2. Both international and local regulations require UniFinance to implement effective internal procedures and mechanisms to prevent money laundering, terrorist financing, drug and human trafficking, proliferation of weapons of mass destruction, corruption and bribery and to take action in case of any form of suspicious activity from its Users.

  3. "Money laundering" means: the conversion or transfer of property derived from criminal activity or property obtained instead of such property, knowing that such property is derived from criminal activity or from an act of participation in such activity, for the purpose of concealing or disguising the illicit origin of the property or of assisting any person who is involved in the commission of such an activity to evade the legal consequences of that person’s actions; the acquisition, possession or use of property derived from criminal activity or property obtained instead of such property, knowing, at the time of receipt, that such property was derived from criminal activity or from an act of participation therein; the concealment or disguise of the true nature, source, location, disposition, movement, rights with respect to, or ownership of, property derived from criminal activity or property obtained instead of such property, knowing that such property is derived from criminal activity or from an act of participation in such an activity. Money laundering also means participation in, association to commit, attempts to commit and aiding, abetting, facilitating and counseling the commission of any of the activities mentioned above.

  4. "Terrorist financing" means the financing and supporting of an act of terrorism and commissioning thereof as well as the financing and supporting of travel for the purpose of terrorism.

  5. AML/CFT/KYC Policy covers the following matters: Internal Controls; Training; Compliance officer; Verification procedures; Risk Assessment; Monitoring of transactions; AML Program Audit; Internal Controls.

  6. We have created a structured system of internal control and procedures in order to comply with applicable AML/CFT laws and regulations, including, but not limited to:
    - verifying users' identity and the information provided;
    - special regime for dealing with customers which are politically exposed persons (PEP);
    - the identification of unusual activity and suspicious activity reporting (SAR);
    - keeping records of Users' documentation and transactional history.

  7. All the appropriate employees regularly pass a full AML/CFT training, along with a job‐specific guidance. Training is conducted to ensure that trainees are informed and act in compliance with all applicable laws and regulations. New employees pass relevant training before commencing to work. Training program is updated regularly to reflect current laws and regulations.

  8. The Compliance Officer is the person, duly authorized by UniFinance, whose duty is to ensure the effective implementation and enforcement of the AML/CFT/KYC Policy. It is the Compliance Officer’s responsibility to supervise all aspects of UniFinance’s anti-money laundering and counter-terrorist financing, including but not limited to:
    - establishing and updating internal policies and procedures for the completion, review, submission and retention of all reports and records required under the applicable laws and regulations; implementing a records management system for appropriate storage and retrieval of documents, files, forms and logs;
    - collecting Users' identification information;
    -organisation of the collection and analysis of information referring to unusual transactions or transactions or circumstances suspected of money laundering or terrorist financing, which have become evident; investigating any significant deviations from normal activity;
    - reporting to the appropriate authorities in the event of suspicion of money laundering or terrorist financing;
    - providing law enforcement with information as required under the applicable laws and regulations;
    - periodic submission of written statements on compliance with the requirements arising from law to the management board;
    - organisation of the training of employees;
    - performance of other duties and obligations related to compliance with the requirements of law;
    - updating risk assessment regularly.

  9. The Compliance Officer is entitled to interact with law enforcement, which are involved in prevention of money laundering, terrorist financing and other illegal activity.

  10. One of the international standards for preventing illegal activity is customer due diligence ("CDD"). According to CDD, UniFinance establishes its own verification procedures within the standards of anti-money laundering and "Know Your Customer" frameworks.

  11. UniFinance’s identity verification procedure requires the User to provide UniFinance with reliable, independent source documents, data or information (national ID, international passport, bank statement, utility bill etc). For such purposes UniFinance reserves the right to collect User’s identification information for the AML/CFT/KYC Policy purposes.

  12. UniFinance will take steps to confirm the authenticity of documents and information provided by the Users. All legal methods for double-checking identification information will be used and UniFinance reserves the right to investigate certain Users who have been determined to be risky or suspicious.

  13. UniFinance reserves the right to verify User’s identity in an on-going basis, especially when their identification information has been changed or their activity seemed to be suspicious (unusual for the particular User). In addition, UniFinance reserves the right to request up-to-date and/or additional documents from the Users while passing verification and even though they have passed identity verification in the past.

  14. User’s identification information will be collected, stored, shared and protected strictly in accordance with the UniFinance’s Privacy Policy and related regulations.

  15. While verification procedures users are checked against sanctions and watch lists, including the Office of Foreign Assets Control (OFAC) and PEP list.

  16. UniFinance, in line with the international requirements, has adopted a risk-based approach to combating money laundering and terrorist financing. By adopting a risk-based approach, UniFinance is able to ensure that measures to prevent or mitigate money laundering and terrorist financing are commensurate to the identified risks. This will allow resources to be allocated in the most efficient ways. The principle is that resources should be directed in accordance with priorities so that the greatest risks receive the highest attention.

  17. The Users are known not only by verifying their identity (who they are) but, more importantly, by analyzing their transactional patterns (what they do).

  18. Therefore, UniFinance performs users' transactions monitoring, risk‐assessment, suspicious activity detection and a variety of compliance-related tasks, including capturing data, filtering, record-keeping, investigation management, and reporting. UniFinance reserves the right to use for that special software tools and external services.

  19. With regard to the AML/KYC Policy, UniFinance will monitor all transactions and it reserves the right to:
    - ensure that transactions of suspicious nature are reported to the proper bodies, law enforcement through the Compliance Officer;
    - request the User to provide any additional information and documents in case of suspicious transactions;
    - suspend or terminate User’s Account when UniFinance has reasonably suspicion that such User engaged in illegal activity.

  20. The above list is not exhaustive and the Compliance Officer will monitor Users' transactions on a day-to-day basis in order to define whether such transactions are to be reported and treated as suspicious or are to be treated as bona fide.

  21. If a transaction is inconsistent with a user’s usual activities, this transaction may be considered suspicious. Data and transaction monitoring tools are used to identify uncommon patterns of user’s activity.

  22. After review and investigation, it is Compliance Officer’s decision whether to file a Suspicious Activity Report (SAR) or not. Once a SAR is filed with a relevant agency, a copy of filing documentation is maintained onsite. SAR filing is confidential and only the UniFinance’s employees involved in the investigation and reporting process will be aware of its existence. All records are retained for a term prescribed by applicable law and internal procedures and are available at official request of authorized state body according to law.

  23. The Compliance Officer is responsible for conducting AML/CFT audit at least annually. Other audit demands are set in internal policies and procedures.

XXVII. CONTACT US

If you have any questions relating to these Terms of Services, your rights and obligations arising from these Terms and/or your use of the Site and the Service, your Account or any other matter, please, contact us. You may use our email or support of the Website.

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