Coinvertit.com

Terms and Conditions / User Agreement

1. By registering an account on the Coinvertit Site or using any of our Services, you agree that you have read, understood and accept all of the terms and conditions contained in this Agreement as well as our Privacy Policy.

2. For the purpose of these terms, Cointessa.com SRL will be referred to as the "company" or "Cointessa.com SRL" and all users of the company's services shall be referred to as "you" or "customer". The website managed by Cointessa.com SRL https://www.coinvertit.com will be referred to as "we", "website" or "Coinvertit".

3. This Agreement is provided to you and established in English. You may find this document on other languages such as Romanian and Hungarian. We will communicate with you in English, Romanian or Hungarian, for all matters involved to your use of our Services. For your benefits, our staff is fluent in English, Romanian and Hungarian. If we have provided you with a translation of the English, Romanian and Hungarian language version of this Agreement, you agree that the translation is provided for your convenience only and that the English, Romanian and Hungarian language version of the Agreement will govern your use of the Services. This Agreement sets forth the entire understanding and Agreement between you and Coinvertit as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement), and every nature between and among you and Coinvertit. If after reading this Agreement in its entirety you are still unsure of anything or you have any questions, you should contact our support and state your questions. If you don't understand this agreement it doesn't absolve you from abiding it.

4. Eligibility requirements

4.1. To enter the website and accept the agreement, you must be at least or over 18 years of age. By using our services you represent and accept that you are 18 or older. Some services such as trading via fiat currencies (EUR, RON, HUF) is only allowed to residents of the European Union.

5. Privacy

5.1. Make sure you carefully read our Privacy Policy as it provides details how your personal information is collected and stored. We are committed to protecting your personal information and to helping you understand how the information you provide is used.

6. Risks of holding cryptocurrencies

6.1. Cryptocurrency is a not backed or value guaranteed by any financial institution. When you are purchasing cryptocurrencies the customer assumes all risk that the cryptocurrencies may become worthless in value. Customers should research and consider the risks before purchasing any. The company makes absolutely no guarantee about the future value of the cryptocurrencies purchased.

7. Coinvertit Accounts

7.1. Registration
To use any of our services, you must first register by providing your e-mail address and your desired password. You can open only one account. If you open more than one then such additional accounts may be suspended at our discretion. After a successful registration process we will establish your account and for our own good we can refuse to allow you to establish a Coinvertit account. We may also require you to give out further information as a condition for continued use of our services. If you want to convert your local currencies to cryptocurrencies, or cryptocurrencies to local currencies you authorize Coinvertit to make sure we validate your identity. This may be such as your date of birth, your name, phone number, email address, physical address, tax identification number, government identification number, and bank account information. We might make you answer some basic questions in order to verify your identity. By going through this process, and submitting this or any other information that might be required, you verify that the information is accurate and real. You confirm to inform us about any changing information.

7.2. Keeping your contact information secured
You are responsible of keeping your contact information up to date. Be aware of our updates, in order to receive any notifications of our changes that we may send you. You are responsible for maintaining sufficient security of any passwords, hints, IDs, personal numbers such as your PINs or any other codes. Any loss of these may result in unauthorized access to your Coinvertit account by third-parties. We will not be accountable for any loss arising from your failure of protecting your account information. We will not be responsible for any notifications that we send you will remain unseen by you. If you believe that your account information is endangered, immediately contact our support. We are not responsible for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment. We advise you to periodically change your password to our services, to prevent account theft.

7.3. Suspension and closure
We may, in our sole and absolute discretion, refuse to let you open an Account, suspend your Account, or terminate your Account, or your use of one or more of the Services. It can happen as a result of failing to respond to our customer support requests, account inactivity, violating the terms of this Agreement, or we notice that you use your account for illegal actions, or opening multiple Convertit online Accounts, or you take an advantage of our promotions that we may offer from time to time. You are able to recover your unsettled transactions from your suspended account, unless it's prohibited by law or court order.

8. Coinvertit Services

8.1. Transactions
If you are buying or selling cryptocurrencies through our service, you are buying from or selling to us directly. We are not a marketplace between other buyers and sellers of cryptocurrencies. Our site has a Conversion Rate / Exchange Rate that is the price in terms of local currency at which you sell cryptocurrencies to Coinvertit. You agree, as a condition of using any Coinvertit Services, to accept the Conversion Rate / Exchange Rate as the sole conversion metric. All rates mentioned on the site are subject to misprint. Coinvertit does not accept any liability for the consequences of misprints.

8.2. Right to suspend any transactions or settlements
We have the right to cancel or to settle any ongoing / pending cryptocurrency or local currency transaction connected to your account as required by law, court order or any other binding government order. We have the right to refuse to process or cancel any transactions that you make with cryptocurrencies, if our website suspects that the transaction involves terrorist financing, money laundering, fraud or any other type of financial crime. We may, in our sole discretion, delay transactions or settlements if we believe the transaction is suspicious, may involve fraud, violates applicable laws, or violates the terms of this Agreement. If we have technical difficulties with our site, or your account, Coinvertit may suspend your account temporarily until the problem is resolved. We try to not let this happen.

8.3. You need to be aware that, by making a local currency payment to Coinvertit Bank Accounts, you are making an order to buy cryptocurrencies or sell cryptocurrencies at the "Conversion Rate" that is applicable at the time we fully process your order (receive the payment and process the exchange), and not the conversion rate applicable at the time you initiated your transaction. We will do our best to finalize your order in the shortest possible time but there can be substantial delays between the time we receive your order or payment and process the exchange. Your orders are processed during our business hours as stated on the website. In connection with any purchase or sell of cryptocurrencies through the service, we will try to fullfill such purchase orders at the applicable Conversion Rate / Exchange Rate. However, from time to time, it may be necessary for Coinvertit to delay fulfillment of a purchase / sell order, until such time as we are able to execute, make the transaction happen. We will send you directly the amount of cryptocurrency or local currency that you will receive either to your cryptocurrency wallet or your provided bank account.

8.4. Buying cryptocurrencies
You need to be aware that, by making a local currency payment to Coinvertit Bank Accounts, you are making an order to buy cryptocurrencies at the "Conversion Rate". It will be based on the applicable Conversion Rate at the time Coinvertit accomplishes your order, not the applicable Conversion Rate that was at the time we received your payment or your order. Local currency payments may take up to a few days to reach our Bank Accounts, in this situation again the Conversion Rate might be different from the time we receive such payment. Local currency payments that might not originate from the correct User Bank Account or an unidentified Account, will be sent back to the original account. We only accept payments that originate from your Bank Account that is under your control, and your name. The only way you can purchase cryptocurrencies is by using the bank account that is registered under the name you registered your Coinvertit Account with. We have the right to delay or cancel any settlement if it observes a risk of fraud or illegal activity.

The market rates of the cryptocurrencies fluctuate, the values vary at any given moment. General rules when buying cryptocurrencies:

- Coinvertit does not guarantee the future value of any cryptocurrency in any way.
- Coinvertit uses current market rates. These can vary at any given moment.
- Customer should always enter his / her own address when buying cryptocurrencies. By entering an address that is not his / her, customer does so entirely at his / her own risk.
- In the event of suspicion of abuse or fraud, Coinvertit reserves the right to suspend transactions until the legitimacy of the transaction has been verified.
- A bank account can only be used for one Coinvertit account.
- Customer declares to be the owner of the bank account that is used and to have truthfully entered all the required information.

Refund
Once the cryptocurrencies are sent out to the address specified by you we can't refund your order. Please make sure you spell your cryptocurrency address properly, we can't give refunds if you misspelled your cryptocurrency addresses. We do check if your cryptocurrency address is a proper address, however we have no way of checking if you really control it. If you change your mind and rather not want to buy cryptocurrencies, but you have already paid the order amount to us, we can give you a refund in case we didn't make the exchange yet. We take a 5% processing fee and send the remaining to you. We also deduct any bank fees that may occur for refunds.

8.5. Selling cryptocurrencies
You need to be aware that, by selling cryptocurrencies, and converting them into local currencies, you'll sell them at the "Conversion Rate" that is applicable at the time we finalize your order (receive the payment and process the exchange), and not the conversion rate applicable at the time you initiated your order or initiated the payment. Cryptocurrency payments may take up to a few days to reach our service (depending on network congestion and other factors that are or are not under our control). The local currency that you receive for your sold cryptocurrencies, may take up to a few days too, to reach your registered Bank Account, in this situation again the Conversion Rate might be different from the time we receive such payment.
We have the right to delay or cancel any settlement if it observes a risk of fraud or illegal activity. A processed payment is not reversible. It is your own responsibility to enter in all the required information correctly.

8.6. Trading Fees
Our company, won't charge you any trading fees. However, your bank and / or cryptocurrency wallet provider may charge you fees for payments or transactions on cryptocurrency networks. Cryptocurrency networks usually require a fee in order to make payments from your cryptocurrency wallet. It is your responsibility to make sure that you have enough local currency or cryptocurrency in your bank account or your cryptocurrency wallet in order to enter buy / sell or trade transactions. In certain cases we might charge you another fee. If this applies, we will clearly state this before you initiate and confirm your order, giving you a chance to accept or decline the respective order.

8.7. Prohibited Businesses
If you make a Coinvertit account, you confirm that you will not use our services in connection with any of the following activities:

1) High risk businesses: any business that we consider possess elevated financial risk, legal liability, or violates card network or bank policies.
2) You verify to us that any funds used by you in our Services, are owned by you or that you are validly authorized to carry out transactions using such funds.
3) Participate in any transaction that involves the proceeds of any unlawful activity.
4) Attempt to fraud Coinvertit or any users of Coinvertit.
5) Provide false or any inaccurate information.
6) Upload any material to the site that contains viruses, worms, Trojan horses or any other harmful programs.
7) Use the account information of another party to access or use any of our Coinvertit Services.

If you are uncertain as to whether or not your use of our services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact our support. You verify to us that any funds, payments used by you on our Services are owned by you or you are validly authorized to make transactions using such funds. We reserve the right at all times to close your account, ongoing payments or trades if we observe that you're not transacting with your own money. We have the right to review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental requests.

General
In no circumstances shall Coinvertit, and it's service providers, or any of their directors, employees or representatives are liable for your lost profits or any incidental damages arising out of Coinvertit site, services and this agreement. We will manage to make efforts to ensure that your requests for trades and settlements are completed in the fastest possible time period, although we make no representations or warranties regarding the amount of time needed to complete processing. Our services are dependent upon many other factors that are out our control (for example: cryptocurrency network or banking system delays).

9. Customer Complaints
Please always contact our Coinvertit Support if you have any complaints or requests or queries and we will resolve the problem as quickly as possible. Always provide us with your contact information (such as your name, address, identification, etc.) when you want to get in touch with us.

10. Applicable law / competent judge
All agreements are subject to Romanian law.
Any disputes arising from this agreement between Coinvertit and the customer which cannot be settled in mutual negotiation will be heard by the competent judge within the jurisdiction of Satu Mare, Romania, unless Coinvertit prefers to present the dispute before the competent judge in the city of residence of the buyer, with the exception of those disputes that fall under the competence of the district court judge.

Privacy-Policy

This Privacy Policy (or "Policy") describes how Cointessa.com, SRL and our family of companies, including our subsidiaries (collectively, "Coinverit", "we", "us", or "our") collect, use and may disclose your personal information, as that term is defined below, in connection with Coinvertit services, the Coinvertit website, and other Coinvertit products and services that link to this Policy (collectively, the "Services"). The Coinvertit entity that owns and operates the Service that you are using will be the data controller responsible for the collection and use of your personal information. If a Coinvertit product or service describes privacy practices applicable to specific types of information or in certain circumstances and those descriptions conflict with this Policy, those descriptions shall supersede this Policy.

1. General Information

Coinvertit.com and its direct and indirect subsidiaries offer via its websites www.coinvertit.com and www.cointessa.com (together hereinafter referred to as "website" or "platform") services and products related to buying and selling cryptocurrencies and other digital assets as well as payment and IT services.

Cointessa.com SRL with its business address at 37, V. Lucaciu street, Satu Mare, Romania is the content provider of the Platform as well as responsible for the offer of cryptocurrencies on it.

2. Cookies and Sessions

Coinvertit does store some information in "cookies" and "sessions" on your computer. It does not store any personally identifible information. If you use a section of our website that requires a login, your login information may be stored in a cookie for the duration of your browser session.

We use cookies and sessions when you access Coinvertit to:

-recognize you as a Coinvertit customer
-customize Coinvertit services, content, and advertising
-measure promotional effectiveness
-collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety

3. What data is being collected?

3.1 Website Visitors
We may collect, record and analyze information of Visitors to our website. The usage data may include your IP address and use cookies, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analyzing the use of the website and services and improving users` experience, performance and future development of the service. The legal basis for this processing is our legitimate interest in monitoring and improving our website and services.

We may add information collected by way of page view activity. Furthermore, we may collect and process Personal Data that you voluntarily and with your consent give to us in our website's forms, such as when you sign up for information, request to contact our support team and our newsletters. You can unsubscribe from the newsletter by opening one of the e-mails, which you received, and clicking "unsubscribe" at the content of the page.

If you provide us with your social media details, we may retrieve publicly available information about you from social media. We use such information for better user experience, enabling a user to make a login to our website with the users' Facebook profile, Twitter account or Google+ account.

Such Personal Data may comprise your IP address, first and last name, your postal and email address, your phone number, your job title, data for social networks, your areas of interest. The information is collected for the purpose of improved user experience.

We also collectively gather data about visits to our website, including numbers of Visitors and visits, Geo-location data, length of time spent on the site, pages clicked on or where Visitors came from, frequency, clicks, time, places, target groups, data from cookies and similar technologies, consumer's behaviour, interests and preferences, data about market research and target groups surveys, etc.

Purpose of processing personal data:

We use the collected data to communicate with Visitors, to customize content for Visitors, to show ads on other websites to Visitors, and to improve our website by analyzing how Visitors navigate our website. We will process all Data in order to monitor and improve website and services.

3.2 Members
We process the personal data that we receive from you within the scope of the business relationship and usage of our Website. Furthermore we might process data we receive from credit agencies, debtor directories, business analysis providers and from publicly available sources (e.g. commercial register, register of associations, sanctions lists, land register, online and offline media, etc.).

When using our services or interacting with us the following personal data might be processed:

Contact data: when creating a new member account or communicating with us we might process for example: name (first last and middle), address, phone number, email, date of birth, etc.

Verification data: when an account is verified, also depending on the level of verification, therefore we might process for example: screenshots or photos of national identity documents, like passport, driving license, ID card, and identification data from these documents, utility bill details for residence verification, etc.

Financial data: in the course of purchase and sale transactions we might process for example: bank details (IBAN, bank account number), payment details, transaction-IDs, crypto currency addresses, blockchain data, etc.

Log data: during activities on the website, we might process for example: IP-address, transaction data, deposit and withdrawal address, computer or mobile device information, frequency, time, operating system, browser type, device type, unique device identification number, identification cookies (e.g. for the Affiliate and Tell-a-Friend program), optionally form data, crash reports, performance data, third party cookies, etc.

Source of funds and proof of funds: if proof of funds is necessary, we might process for example: banking statements or any other details provided by banks or financial institutions, contracts of sales or contracts in general, or any other suitable data to prove or determine the origin of funds.

The source of the member data is a user who opens an account and data we receive from certain third parties presented above. The account opening data will be used and processed for the purposes of performing a detailed Know Your Customer (Hereinafter: KYC) procedure according to necessary Anti-Money Laundering and Anti-Terrorist Regulations.

Members are visitors of our website and therefore their Personal Information is collected as described in the previous section. This Personal Information will be used for operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with Users.

We will use users' e-mail phone number and residential address for communication purposes with users regarding: login, registration, transactions, orders, safety requirements, notifications about safety measures, reminders about the status of orders, transactions, user profile level, and other necessary communication with users. The user will also receive occasional notifications about new features and other promotions.

In the course of our activity, we shall also communicate with the users via the phone using the phone numbers given in the identification process. Communication will serve for the purpose of verifying the credibility of the user account.

Sensitive data

We do not record sensitive data on racial or ethnic origin, political opinions, religious confession or philosophical beliefs, or membership of trade unions and genetic data processing, biometric data to identify a single individual, data on health or data on sexual life, or the sexual orientation of a natural person, unless we have the explicit consent of the person concerned and only if this is absolutely necessary. When we record such data, we limit ourselves to specific circumstances.

4. Where do we store the data and how can you withdraw your consent?

All Personal Data, which will be collected and processed within the KYC / AML procedure are stored on servers in European data regions and dedicated servers outside EU data regions.

It has to be noted that Coinvertit is a platform that offers buying, selling, trading and storing virtual currencies. Trading virtual currencies take place on the blockchains which are decentralized platforms for virtual assets. Blockchain is a system in which a record of transactions made in bitcoin or another cryptocurrency are maintained across several computers that are linked in a peer-to-peer network. By design, a blockchain is inherently resistant to modification of the data. Therefore Data cannot be modified or deleted, since there are thousands or tens of thousands of servers involved, data is dispersed among several computers all around the world in an encrypted version.

If you trade virtual currencies you agree that your Personal Data may be collected, stored, processed and that you will not be able to delete it or invoke the right to be forgotten. Your data however is anonymized. Note that also encrypted personal data that is your e.g. crypto wallet address with Coinvertit can still be traced back to a person if enough effort is put into it by experts or someone holds the key to decryption. With trading virtual assets via Coinvertit you expressly agree to give your Personal Data on the (public) blockchain that these Data (even though encrypted) cannot be deleted and that Personal Data may be transferred outside European territory.

You acknowledge and expressly agree that by the nature of the technology it is not possible to delete personal data from the blockchain and invoke the right to be forgotten. You also agree that by the nature of the technology it is not possible to keep personal data within the EU borders.

5. What is the legal basis for processing the data?

We collect and process your data for:
a) legal obligation
b) execution of a contract
c) your consent

6. What security measures we have implemented in order to protect the data?

We use a variety of security measures to ensure the confidentiality, integrity, availability and privacy of your Personal Information and to protect your Personal Information from loss, theft, unauthorized access, misuse, alteration or destruction. These security measures include, among others:

- password protected directories and databases
- Secure Sockets Layered (SSL) technology to ensure that your information is fully encrypted and sent across the Internet securely
- secure coding principles
- encryption of sensitive data during transfer and at rest
- regular backups of sensitive data
- 2FA (2 Factor Authentication)
- logging of activities performed in the platform
- access controls and other measures to mitigate risks identified during the risk assessment process

All financially sensitive and/or credit information is transmitted via SSL technology and encrypted in our database and our servers. Only authorized Coinvertit employees are permitted access to your Personal Information, and employees are required to treat the information as highly confidential.

7. Will the data be shared with any third parties?

In order to provide the best services we communicate certain data outside the Company, but only with government authorities, and only in order to comply with regulatory obligations. It is possible that we disclose data to relevant authorities, for example, to prevent terrorist financing and money laundering. In some cases, we are legally required to communicate the data of the external parties, including:

8. What rights do you have?

Please consult the GDPR Regulation to review your rights.

9. For how long is my personal data processed (stored) and when will it be deleted?

We retain your personal data, as far as necessary, for the duration of the entire business relationship (from initiation through performance to termination of a contract), and in principal 1 year after termination of the business relationship. Beyond this we retain your data only for a longer period, in accordance with statutory retention and documentation obligations, to defend legal claims or with your explicit consent.

10. How can you contact us?

For any question or request regarding your data, please contact us at the following email address: support@coinvetit.com.

AML and KYC Policy

1. This policy is the Anti Money Laundering (AML) and Know Your Customer (KYC) Policy of Cointessa.com SRL

2. Money laundering is the process of transforming the profits of crime and corruption into ostensibly "legitimate" assets. In a number of legal and regulatory systems, however, the term money laundering has become conflated with other forms of financial and business crime, and is sometimes used more generally to include misuse of the financial system (involving things such as securities, digital currencies, credit cards, and traditional currency), including terrorism financing and evasion of international sanctions. Most anti-money laundering laws openly conflate money laundering (which is concerned with source of funds) with terrorism financing (which is concerned with destination of funds) when regulating the financial system. (Wikipedia).

3. Although Cointessa.com SRL is currently unregulated and do not fall within the scope of the AML obligations in Romania, we have implemented systems and procedures to prevent money laundering and not be used by criminals to launder proceeds of crime of finance terrorism. The purpose of this AML is to ensure not only that Cointessa.com SRL are compliant with current legislation and requirements, but also to show that they take any form of illegitimate use of their services seriously.

4. If Cointessa.com SRL suspect any customer is abusing their services for the purposes of money laundering, Cointessa.com SRL reserve the right to suspend any transactions pending the outcome of an internal investigation. Cointessa.com SRL reserve the right to report any suspicious activities to the police or relevant authorities without the customer's knowledge.

5. In accordance with the current industry best practice guidelines, Cointessa.com SRL:

- Have established a risk based approach towards assessing and managing the money laundering risks to the business
- Have established and maintain risk based customer due diligence and obtain identification and proof of address in accordance with KYC (know your customer) which includes enhanced due diligence checks for customers which may present a higher risk, this will be determined at the sole discretion of Cointessa.com SRL
- Have established and maintain risk based systems and procedures to monitor ongoing customer activity
- Have procedure for flagging and (if needed) reporting suspicious activity
- Pay special attention to all complex, unusually large transactions
- Assigned a Compliance officer who is responsible for implementation of AML policy and reporting suspicious activities to relevant authorities
- Assist law agencies and authorities to trace and seize the proceed of criminal activities

6. Cointessa.com SRL prohibits anonymous accounts and accounts in obviously fictitious names. Cointessa.com SRL undertakes customer due diligence measures when establishing business relations or performing transactions, when there is a suspicion of money laundering or terrorist financing, or when it has doubts about previously obtained customer information. If Cointessa.com SRL is unable to verify the identity of a customer, then it will not establish business relations or perform transactions with this customer, and it will consider reporting to competent authorities.

7. As part of our AML policy, we ensure that any customer agreeing to use our services, is also agreeing - if it is requested by Cointessa.com SRL - to provide us with identification documentation, including but not limited to the scan or photo of the following Personal Identity Documents and/or Proof of Address Documents:
1) Personal Identity Documents:

- Current valid full EU or non EU Passport
- Current valid National ID card
- Current valid Driving License

2) Proof of Address Documents (if address is not shown on National ID card):

- Recent Utility Bill, Gas, Electricity, Water, Telephone (Not mobile phones)
- Bank Statement

We reserve the right to require additional information at any time to verify the customer's identification and any further information that may be required to satisfy the Money Laundering Regulations.
In order to have adequate due diligence checks in place Cointessa.com SRL set up the following step by step verification process:

1) Verified e-mail address
2) Full Name
3) Verified mobile phone number
4) Scan or Photo of Government issued Photo ID
5) Bank account number under customer name
6) Scan or Photo of Proof of Residence (if address is not present on valid national ID card)
7) In certain cases: Photo of customer holding his / her IDs and a handwritten paper showing a text that Cointessa.com SRL provide OR Face-to-face meeting with one of Cointessa.com SRL designated employees for due diligence.

8. Cointessa.com SRL includes required and accurate originator and beneficiary information on bank transfers, and monitors bank transfers to detect those lacking required and accurate originator or beneficiary information. Cointessa.com SRL does not conduct business with sanctioned persons and entities.
Cointessa.com SRL may rely on third parties to perform elements of the customer due diligence measures (like SEPA bank transfers).

9. Cointessa.com SRL maintains transaction records and customer due diligence information for at least 7 years. Cointessa.com SRL makes this information available to competent authorities upon request.

10. Cointessa.com SRL takes reasonable measures to determine whether a customer is a politically exposed person and applies additional measures to establish business relations or perform transactions.

11. Cointessa.com SRL may impose limits on the amount of cryptocurrency that customer may buy or sell in a given day / month. Cointessa.com SRL reserves the right to change the amount of cryptocurrency that customer may buy from, or sell to, Cointessa.com SRL, or through any of its Services as we deem necessary or appropriate from time to time.

12. Cointessa.com SRL policy is to comply with applicable laws and regulations regarding AML and identity verification (KYC), and to detect and prevent the use of its service to launder money, commit fraud or other crimes. We are committed to protecting the privacy of our users, but we will not allow anybody to use our services to launder money, commit fraud, or other crimes or illegal conducts.

13. Cointessa.com SRL reserve the right to change this Policy any time (or to comply with relevant laws and regulations) by amending this page. Please check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.