1. General Provisions
1.1. These terms and conditions (hereinafter referred to as the Agreement) govern the provision of services by the Finbitflow p2p platform, designed to facilitate exchange transactions and transfers of electronic currencies across various payment systems.
1.2. This Agreement is a public offer addressed to individuals (hereinafter referred to as the User) and implies the conclusion of an agreement under the terms and conditions defined herein.
1.3. Use of the Service is permitted solely with the User’s full agreement with all provisions of the Agreement. Using the platform constitutes confirmation of familiarization with and unconditional acceptance of these terms and conditions.
1.4. The current version of the Agreement is posted on the official Finbitflow website and is available for public review. The Service reserves the right to updаte and supplement the Agreement; the updated version is considered effective from the date of its publication.
2. Terms and Definitions
For the purposes of this Agreement, the following terms have the following meanings:
Finbitflow Service — a p2p technology platform that facilitates the exchange and transfer of electronic currencies between various payment systems through a specialized software interface, access to which is granted to Users who have accepted the terms of this Agreement.
User — an individual registered on the platform or using its functionality, thereby agreeing to this Agreement.
Transaction (Payment) — the process of transferring electronic currency or other funds from a sender to a recipient within the framework of the Service or payment systеm.
Payment systеm — a software and hardware package developed by a third party, designed to record funds and other obligations, process payments, settle settlements between systеm participants, and pay for goods and services online.
Electronic Currency — a digital form of money or property rights issued by a payment systеm operator and used to conduct settlements between its developer and the user.
Currency Reserve — the amount of a specific electronic currency held by the Finbitflow Service and available for exchange transactions at the time of the Client’s Request.
Payment systеm Client — an individual who has entered into an agreement with the payment systеm operator and has the right to receive conventional units or other assets stipulated by the rules of the systеm.
Request — an order submitted by the User through the Service interface to conduct an exchange, containing the transaction parameters and the corresponding terms and conditions defined by this Agreement.
Source Currency — the currency transferred by the User for the exchange transaction.
Source Account — the identifier of the User’s wallet or account in the payment systеm from which the source currency is transferred.
Receipt Currency — the currency the User receives as a result of the completed exchange transaction.
Receipt Account — the User’s details (wallet, bank account, or other identifier) ​​to which the receiving currency is credited.
Currency Exchange — the process of converting one electronic currency into another using the tools of the Service and payment systems.
Exchange rate — the ratio of the value of two types of electronic currencies at the time of an exchange transaction, used for settlements within the transaction.
Disruption of the Service — actions aimed at interfering with the proper functioning of the platform, altering or distorting data, creating unauthorized Requests, or creating Requests without subsequent payment.
3. Subject of the Agreement
3.1. The Finbitflow Service provides the User with the ability to exchange electronic currencies through peer-to-peer transactions between individuals. The Service’s services are intended solely for personal use and cannot be considered a tool for conducting entrepreneurial or other commercial activities.
3.2. Upon registration, the User undertakes to provide accurate and reliable information necessary for the creation and operation of an account. The User also confirms that they will not use third-party accounts, create multiple accounts, or attempt unauthorized access to the profiles of others.
3.3. The Service reserves the right to temporarily restrict transactions, suspend processing of an Order, or withhold the User’s funds if signs of fraud, illegal actions, or other factors that could cause harm to the Service or other Users are detected. The retention period is determined by the period necessary to conduct an internal investigation and obtain information from payment systems, issuing banks, or other parties to the process.
If the User refuses to provide the requested information, the Service reserves the right to reject the request and refund the funds in accordance with the internal rules.
3.4. The Service Administration reserves the right to refuse the User’s services in whole or in part without explanation if this is required to comply with the law, payment systеm regulations, or internal security standards.
3.5. To ensure security and compliance with regulations, the Service reserves the right to initiate additional verification of the User’s data. Such verification may inсlude a request for documents confirming identity or the fact of the transaction, including, but not limited to: a passport, an image of a bank card, video verification of the card, receipts for sending funds, or other supporting materials.
3.6. Any e-currency exchange transaction is considered finalized once the User receives funds using the details provided. Cancellation, modification, or return of a completed transaction at the User’s initiative is not possible, regardless of the form of funds received—electronic or fiat.
3.7. Personal data, user information, personal account information, and transaction history are stored on the Service’s secure server and are not subject to deletion, except in cases stipulated by law and mandatory requirements of regulatory authorities.
3.8. The Service is not responsible for the User’s voluntary return of received funds to their original account. Such actions are carried out at the User’s sole discretion and may entail material consequences for which the Service bears no liability.
4. Rights and Obligations of the Parties
4.1. Finbitflow provides its services to the extent and under the terms described on the official website. The Service does not provide any additional guarantees not specified in this Agreement.
4.2. The Service makes every effort to ensure uninterrupted access to its services; however, it cannot guarantee their uninterrupted operation 24/7. The Service shall not be liable for any damages, lost profits, or other expenses incurred by the User due to temporary website unavailability, technical problems, or functionality limitations.
4.3. The Service’s liability to the User is limited solely to the amount of funds actually transferred by the User to complete the exchange transaction. Claims exceeding the transferred amount will not be considered by the Service.
4.4. The Service performs its functions in accordance with the provisions of this Agreement and takes all necessary measures to ensure the proper quality and proper functioning of the services provided.
4.5. The Service is not liable for consequences caused by delays, errors, or failures in processing payments through banking or electronic systems, including payment gateways and third-party platforms. Furthermore, the Service does not guarantee the achievement of the User’s expected financial benefit, including potential profits, tariff changes, or other subjective assumptions regarding exchange transactions.
4.5. AML/KYT Policy and Transaction Security

4.5.1. AML/KYT Policy

Finbitflow verifies incoming cryptocurrency transactions using the AmlBot systеm upon receipt. If a transaction submitted by the User has a total risk level above 60% or is classified as High Risk (over 15%) (e.g., Dark Market, Dark Service, Illegal Service, sanctioned assets, etc.), the request is suspended and a refund procedure is initiated. Additional information is available in the AML section on the website: https://finbitflow.com.

4.6. Responsibility for Payment Details

After processing a request, the service assumes no liability and will not compensate for any losses incurred due to incorrect payment details provided by the User. In such cases,Finbitflow is not obligated to take any action to refund the funds.

4.6.1. Destination tag/MEMO

If the User fails to provide a Destination tag or MEMO when required for the correct payment (whether when paying for an order or receiving funds), the service is not liable for any losses.

4.7. Violation of AML Policy

If the User violates the AML policy,Finbitflow reserves the right to refuse to process the order, terminate the agreement, and return the funds to the sender’s account after completing the KYC procedure.

4.8. Verification of the Legitimacy of Funds

By default, the Service does not verify the legitimacy of the User’s electronic currencies and funds. However, if fraudulent activity or a violation of the law is suspected,Finbitflow reserves the right to request verification/KYC.

4.9. Suspension and Cancellation of Transactions

Finbitflow may suspend or cancel a transaction if the User violates the terms of this Agreement and return the deposited funds minus the payment systеm fee. Exceptions are provided in Sections 4.7 and 4.8.

4.10. Access Restriction

The Service reserves the right to restrict the User’s access to the platform in the event of a violation of the terms of the Agreement or any attempt to interfere with the Service’s operation.

4.11. Technical Failures

In the event of technical failures related to the complex software architecture, Finbitflow reserves the right to terminate the Agreement and refund the User’s funds in full.

4.12. Receipt of an Amount Different from the Specified Amount

If the Service receives an amount different from the amount specified in the request, the transaction will be processed for the actual amount received without further approval from the User.

4.13. Overdue Payment

The Service may unilaterally terminate the Agreement and refund the User’s funds if payment is received after the specified deadline. Exceptions apply to payments made to payment systеm accounts. Details are provided in the “Terms and Conditions for Accepting and Paying Fiat Payments” section.

4.14. Charging the User with Refund Costs

The User may be charged refund costs in cases specified in Sections 4.7, 4.9, and 4.13, as well as in cases of refunds initiated or caused by the User’s error.

4.15. Exceptions for Affiliate Programs

For exchange transactions involving cash, the Service may not apply the terms of the affiliate program.

4.16. Payment Errors

If payment is made in the wrong currency, a different amount, in multiple transactions, late, or to the details of other orders, this may result in the permanent loss of funds. The Service will make every effort to refund or confirm the payment, if possible, withholding up to 20% to cover partner fees and internal costs. This also applies to erroneous or outdated payment details and if the user wishes to cancel the order, provided no other rules have been violated.

4.17. Liability for Payment systеm Actions

Finbitflow is not a party to contractual relationships between payment systems/exchanges and their clients and is not responsible for their actions.

4.18. Claim Statute of Limitations

The Service reserves the right not to consider claims for requests older than 30 calendar days and not to provide information on such requests.Finbitflow is not liable for losses on expired transactions.

4.19. Amendments to the Agreement

The Service may amend and supplement this Agreement at any time. All amendments take effect upon publication on the website.
4.2. User Rights and Obligations
4.2.1. Lawful Ownership of Funds
By using Finbitflow services, the User confirms lawful ownership of the funds and/or electronic currency involved in the transaction. The User is responsible for the completeness, accuracy, and validity of the information provided. The Service shall not be liable for any losses resulting from incorrectly provided data or payment details.
4.2.2. Amendment of Application Details
The only way to amend application details is by sending an email from the email address specified during registration to support@finbitflow.com.
Before executing the application, the Service sends a confirmation containing the payment details, amount, and exchange rate for the User to verify their accuracy.
4.2.3. Taxes and Fees
The User undertakes to independently pay all taxes, duties, and mandatory fees in accordance with the legislation of their country of residence.
4.2.4. Acceptance of Application Terms
The transfer of funds to Finbitflow’s payment details constitutes the User’s full and unconditional acceptance of this Agreement and the terms of the submitted application.
4.2.5. Appreciation of the Service
The User may express appreciation to the Service in any convenient form. Such action is voluntary and not mandatory.
4.2.6. Prohibition of Fraud and Illegal Activities
The User undertakes not to use the Service for fraud, illegal transactions, money laundering, terrorist financing, gambling, or any other activity prohibited by applicable law.
If suspicious activity is detected, the User’s account may be temporarily suspended and transactions may be blocked pending clarification.
4.2.7. Proper Use of the Service
The User undertakes not to take any actions that may disrupt or interfere with the normal operation of the platform.
4.2.8. Accuracy of Payment Details
The User undertakes to use only their own payment details.
If funds are transferred from third-party payment details or through intermediaries, the Service reserves the right to unilaterally terminate the agreement and return the funds to the original payment source in accordance with clauses 4.6 and 4.8 of this Agreement.
4.2.9. Compliance with Payment systеm Rules
The User undertakes to review and comply with the rules and regulations of the payment systems, banks, exchanges, and other financial institutions used.
4.3. Terms for Creating and Paying Applications
4.3.1. Application Creation and Payment
By creating an application, the User confirms that they have reviewed the payment instructions containing all required details and payment deadlines.
Payment must be made in a single transaction.
If a refund is initiated, funds shall be returned minus the payment systеm fee.
Violation of the payment instructions or cancellation initiated by the User may result in the cancellation of the application with a fee of up to 20% of the transaction amount.
4.3.2. Confirmation of Lawful Origin of Funds
By creating an application, the User confirms the lawful origin of digital assets and/or other funds and guarantees that they do not use third-party payment details, personal data, or funds.
4.3.3. Discrepancy in Amount or Payment Time
If payment is received after the установлен deadline or the amount differs from that specified in the application, the Service reserves the right to:
recalculate the exchange rate based on the current Finbitflow exchange rate with User notification;

refund the funds minus a 20% fee and the payment systеm commission.

Additional terms:
if funds are received after application cancellation, the exchange rate may be recalculated based on the exchange rate at the time of payment;

if the amount deviates within ±5% and is received within 20 minutes, the exchange rate is recalculated at the rate effective at the time of receipt;

if the amount is below the minimum exchange threshold, funds shall be returned to the original payment source minus fees, subject to technical feasibility.

The User has the right to cancel unprocessed applications and request a refund to the original payment source minus the payment systеm commission, provided the refund is technically possible.
To do so, the User must contact online support and duplicate the request via email to support@finbitflow.com.
Completed applications are non-refundable.
4.3.4. Application Execution and Fund Transfer
Execution of the application and crediting of funds to the User shall occur after payment is received and within the timeframes specified at the time of application creation.
If execution is impossible due to technical maintenance, payment systеm updates, or resource issues, the Service shall refund the funds in full, provided the application is not in the payout process.
4.3.5. Fiat Currency Transfer Timeframes
Fiat currency transfers may take from 10 minutes to 3 banking days, depending on the payment route and the characteristics of the payment systеm.
4.3.6. Communication with the Service
After payment or in case of any questions, the User may contact the Service via:
Telegram;

online chat on the website;

email at support@finbitflow.com.

Operator working hours are published on the website https://finbitflow.com.
4.3.7. Force Majeure and Account/Card Blocking
In the event of a User’s or the Service’s account or card being blocked after funds are transferred, both parties shall cooperate in good faith to resolve the issue and provide the necessary information.
If the Service’s account is blocked after payment, application execution may be suspended until receipt of funds is confirmed.
Each case is reviewed individually.
The Service shall not be liable for the blocking of the User’s account or card when attempting to transfer funds to the payment details provided by the Service.
4.3.8. Email Validity and Change of Details
The Service uses the email address provided by the User when submitting the application. The User is responsible for ensuring that the email address is valid and active.
If an inactive or invalid email address is used, the Service may request supporting documents confirming the transfer of funds and the User’s identity.
If the User refuses to provide the requested information, funds shall be returned to the original payment source minus a commission not exceeding the Service’s actual expenses for the transfer.
5. Obligations and Responsibilities of the Parties
5.1.Finbitflow confirms its commitment to properly fulfill the obligations stipulated by this Agreement and guarantees compliance with the established operating procedures.
5.2. The service is not liable for any losses incurred by the user due to illegal or unauthorized actions of third parties unrelated to the service.
5.3. The user is solely responsible for duplicate or erroneous transfers of funds to accounts for which the payment term has expired and there is no active Order. If the service retains access to previously issued details, it will take all possible measures to return the funds. Without such access, the transferred funds are considered lost, and all risks associated with their loss are borne entirely by the user.
5.4 If it is impossible to contact the user (including if the phone call is unanswered or the number is unavailable), the service reserves the right to cancel the request. Refunds will be made to the sender’s details, provided there are no violations on the part of the user.
For transactions in which the underlying asset is cryptocurrency, the exchange rate is fixed after the service receives the required number of transaction confirmations in the relevant network. If the market rate changes by more than 0.5% at the time the cryptocurrency is received, the service has the right to recalculate the requested amount.
For requests involving cash exchange, the exchange rate is automatically recalculated every 5 minutes until the funds are confirmed to have been accepted by the service partner.
6. Personal Data Processing and Storage Policy
6.1. The Service recognizes the importance of maintaining the privacy of the personal information of Users and visitors to the platform. All information provided by the User when submitting an Order is transmitted via a secure communication channel and encrypted using the SSL protocol.
6.2.Finbitflow ensures the protection of personal data and information resources processed within the scope of its activities and takes measures aimed at maintaining an adequate level of information security.
6.3. The Service processes the User’s personal data for the following purposes:
— preventing fraud, preventing illegal actions, and ensuring the security of transactions;
— informing the User about the progress of Orders, as well as providing notifications about service or promotional events.
6.4. In accordance with current legislation, the Service has the right to transfer the User’s personal data upon official request from competent government agencies, courts, or payment systems.
6.5. Finbitflow confirms compliance with the requirements of this Policy and takes the necessary organizational and technical measures aimed at protecting the Users’ confidential information from unauthorized access, loss, modification, or dissemination.
7. Force Majeure
7.1. The Service and the User are released from liability for failure to fulfill or improper fulfillment of obligations if such fulfillment is impossible due to force majeure circumstances. Such circumstances inсlude, but are not limited to: natural disasters, fires, floods, civil unrest, terrorist acts, changes in the political situation, as well as interruptions or termination of payment systems, communication channels, internet service providers, or power supply.
8. Terms of Acceptance and Payout of Fiat Payment Systems
8.1. The details provided by the Service for fiat transfers are valid for 10 minutes from the time they are issued. After this period, the funds received will not be credited, are not refundable, and will be considered transferred in error.
8.2. Transfers made in a different currency, in a mismatched amount, in multiple transactions, or sent to details related to other requests may result in a complete and irrevocable loss of funds due to technical issues with payment processing. The Service assumes no liability in such situations; however, if technically feasible, it will take steps to verify the transaction and refund the funds. When making a refund, the Service reserves the right to withhold 20% of the refund as compensation for transaction costs and partner fees. A similar procedure applies if the User provides incorrect, outdated, or limited details, or if a refund is initiated by the User without violating the Service’s rules.
8.3. Transfers to bank cards are generally received within the timeframes specified when submitting the request. However, in some cases, the crediting period may be extended to three business days for reasons beyond the Service’s control.
8.4. Fiat transfers are processed using complex technical solutions. Delays in automatic crediting of funds are possible. The acceptable verification time ranges from 30 minutes to several hours, depending on the workload and time of day. In certain cases requiring clarification from the bank or payment systеm, the verification period may be extended to 5 business days, taking into account that bank transfers can take up to three business days to process. A bank statement for the details specified in the Order may be required for verification.
8.5. The User is obligated to request confirmation of the completed fiat payment no later than 24 hours after it was sent and provide the relevant proof (check, receipt, photo, or scan of a supporting document). If confirmation is sent after a longer period and the fact of crediting the funds is not established, the Service is not responsible for the loss of funds. Such transactions are not subject to refunds or recalculation.
8.6. The transfer must be made exclusively from the bank card belonging to the User who submitted the Order. Payment made from a third-party card or if there is a reasonable suspicion of third-party involvement is subject to suspension until the mandatory additional verification is completed. Based on the verification results, funds are returned to the sender’s card minus a 20% fee. The verification method, the need for KYC procedures, and their scope are determined on an individual basis. These measures are aimed at preventing fraudulent activity.
8.7. If third-party payments are detected, or if such transactions are suspected, all Order processing is suspended until the verification is completed to ensure the security of User funds.
8.8. The User is strictly prohibited from sharing bank card details, account information, or other information required for payment with third parties. Violation of this requirement will result in the Order of the provisions set forth in paragraphs 8.6 and 8.7.
8.9. In cases where a high-risk bank card is used (including the risk of fraud or restrictions imposed by the bank), the Service reserves the right to request alternative details or refund the funds with a 20% fee, provided that the refund is technically feasible.
8.10. The Order is considered erroneous and will not be processed if the transfer amount differs from that specified when submitting the Order or is transferred in multiple installments. Such funds are non-refundable.