BC To the Money User Agreement

This User Agreement governs the relationship between TMY (the "Company") and the Internet user (the "User") arising from the use of the Internet resource ("BC To The Money") on the terms specified in the User Agreement.

The full and unconditional acceptance of this offer of the Company to the User about the conclusion of the contract is the commission by the User of actions aimed at using "BC To the Money", including the search, viewing or submission of advertisements, offers, transactions, registration on the site "https://To The Money.com/", sending messages via the contact form, and other actions to use the "BC To The Money" functionality.

The User Agreement may be changed by the Company at any time without any special notice to the User. The new version of the User Agreement comes into force from the moment it is posted on "BC To the Money", unless the Company explicitly states otherwise. It is the User's responsibility to regularly review the current version of the User Agreement.

The use of "BC To the Money" after the entry into force of the new version of the User Agreement means that the User agrees to it and applies to him in full the provisions of the new version.

The current version of this User Agreement is available at

1. Terms and definitions

In this User Agreement, the terms listed below have the following meaning:

Company is Limited Liability Company "TMY".

BC TMY and / or Site is an Internet resource that is a collection of information and intellectual property objects contained in an information system (including a computer program, database, graphical interface design, etc.), access to which is provided from various user devices connected to the Internet, through special software for viewing web pages (browser) by addresses https://To The Money.com/ (including the domains of the following levels related to these addresses) or Mobile applications.

User is a legally capable individual, individual entrepreneur or legal entity who has visited and / or used the Platform for purposes not related to the implementation of business processes, whose status depends on the Registration, and whose opportunities depend on the type of the Service used.

User agreement is this user agreement defining the rights and obligations of the copyright Holder, Users and third parties.

Services are functionality, services, tools that are available to Users on "BC To the Money".

Mobile application is software for portable (mobile) devices installed or downloaded by the User to such devices using various software platforms, designed to access "BC To the Money".

Product is any product, service, thing, object of exclusive rights or other offer in respect of which the User places an Advertisement on "BC To the Money" and invites an indefinite circle of persons to enter into legal relations.

Advertisement is an informational message with a product offer (including contact information, any related information) posted by the User on "BC To the Money", addressed to an indefinite circle of persons with an offer to conclude deals.

Service is a part of a platform / site that has certain functionality to provide Users with.

Content is any objects placed on the platform / site, including texts, comments, design elements, graphic images, illustrations, videos, photographs, etc., which belong to the Copyright Holder, Users, or third parties.

Applications are rules governing the provision of Services, which are an integral part of the Agreement and subject to application in the presence of contradictions with the text of the Agreement.

Seller is a User who places an Advertisement on "BC To the Money" with an offer to conclude a deal in relation to the Product.

Purchaser is a User who views an Advertisement placed by the Seller, interacts with the Seller in relation to the Product, and / or enters into a transaction with the Seller.

Credentials is a unique login (the email address and / or phone number specified by the User) and password created by the User during the Registration process on the Site or changed later by the User through the Personal Account or in another way specified by the Company, used to access the Personal Account after the User has registered on "BC To the Money".

Personal account is a personal section of the User on "BC To the Money", associated with the User's account on the Site, in which the User can manage individual Services of "BC To the Money", including their order, connection / disconnection on the terms proposed by the Company, the possibility of concluding and performing other actions on transactions (including execution, namely calculations). The personal account stores information about the actions performed by the User. The information is available only to the registered User. A personal account is created to help the User.

Registration is a set of User’s actions in accordance with the instructions specified on "BC To the Money", including the provision of Credentials and other information, performed by the User using a special form of the user interface "BC To the Money" in order to form a Personal Account and gain access to certain Services of "BC To the Money".

Information is any materials and information provided by the User to the Company in connection with the use of "BC To the Money".

2. General provisions. Access to the Site's services

2.1 The Company offers the User, under the terms of this User Agreement, to use the Services available on "BC To the Money", including posting, searching, viewing Ads, purchasing products, entering into and executing transactions, making settlements between the parties on transactions, and using other Services offered on the Site.

Additional terms, rules, and restrictions may apply to the use of certain Company Services. The Company has the right at any time to revise or change the terms of Service, supplement, modify, restrict, expand the functionality of the Site and / or Services, including the terms of User access to the Services or individual functionality of the Site.

2.2 The Services are provided to the User free of charge, unless specifically stated otherwise.

2.3 The provision of individual Services may be governed by special rules and / or agreements that are an integral part of this User Agreement, including the Advertisement Placement Terms, other terms and conditions, and individual agreements drawn up in writing and signed by the Company and the User. In the event of a conflict or discrepancy between the text of this User Agreement and the special rules and / or agreements, the latter shall apply.

2.4 The website "BC To the Money" is a platform that allows Sellers to independently, at their own risk, place offers addressed to an indefinite circle of persons for making a transaction in relation to a Product that the Seller is authorized to dispose of (make offers), and Purchasers to accept, at their own discretion and under their own responsibility, offers posted on the Site by Sellers, concluding a corresponding transaction with the Seller.

The Company is neither the organizer of the transaction, nor Purchaser, Seller, intermediary, agent or representative of any User, nor other interested person in relation to the transaction proposed / concluded between Users. All transactions made by placing an Advertisement on the Site between Users are concluded without the direct or indirect participation of the Company.

The Company, providing Users with the ability to execute transactions, namely, settlements made between Purchasers and Sellers in the execution (confirmation) of concluded transactions, performs purely technical actions for the transfer of units of account from one party to another, on the basis of the User's instructions.

2.5 Regardless of the fact of Registration or authorization of the User on the Site, the use of the Site, including viewing the information posted on the Site, means that the User agrees to this User Agreement and assumes the obligation to follow the instructions for using the Services, as well as responsibility for actions related to the use of the Site.

2.6 By accessing "BC To the Money" and thus entering into this User Agreement, the User guarantees that he has all the rights and powers necessary for the conclusion and execution of the User Agreement, including being an adult and fully capable person, or a minor declared fully capable (emancipation) by the decision of the authorized body, or a minor, who have reached the age of fourteen and received written permission in the form required by law from their parents or other legal representatives to enter into a User Agreement. The Company has the right at any time to require the User to provide information and documents confirming the rights and powers, as indicated above.

2.7 The Services provided on "BC To the Money" may at any time be changed, supplemented, updated, change the form and nature of the functionality without prior notice to the User, in connection with which their use is offered in the "as is" mode, i.e. in the form and volume in which they are provided by the Company at the time of accessing the Services of Users. The Company has the right, if necessary, at its sole discretion, to terminate (temporarily or permanently) the provision of the Services (or any individual functions within the Services) to all Users in general or to an individual User in particular without prior notice.

3. Registration on the Site

3.1. The User has the right to place Advertisement, as well as to use certain Services only after Registration and full verification on "BC To the Money".

3.2. When registering, the User must specify the Credentials that the User chooses independently. A mandatory condition for registration on the site is the full and reliable disclosure of information about the User's identity, which means the provision of personal data of the User, as well as documentary confirmation of this information.

For registration, the User must provide scanned versions of the passport, driver's license, constituent documents, certificates of registration and tax registration, and any other documents requested by the Company. In addition to providing the documents, the User may be required to perform the actions proposed by the Company to verify the User's identity.

After entering the Registration data, if the User specifies an e-mail address, the User receives an e-mail to the e-mail address specified during Registration, containing an active hyperlink, the click of which is necessary to confirm Registration on the Site. If the User specifies a phone number during Registration and subsequent authorization using the phone number, the User receives a code in an SMS message at the phone number specified by him, the received code must be entered by the User in the appropriate form on the Site to confirm Registration and / or confirm that the User has access to the phone number specified by him. The account is registered to one e-mail address or one phone number of the User once. Re-registration of a new account on the Site using the email address or phone number previously specified during Registration is not allowed. The User can change the Credentials in the Personal Account on the Website or, if necessary, in any other way specified by the Company. The User also has the right to register and / or authorize on the Site using their account on other Internet resources, Registration and / or authorization through which is available on the Site.

3.2.1. By posting accounting, personal and other data and information, and by joining the Agreement, the User expresses his consent to the Company to process accounting, personal and other data, to reflect them in the User profile. The User agrees to the transfer of accounting and other data to third parties, including for the purposes of their processing, verification, storage and other actions necessary to ensure the functioning of the system. TotheMoney.com, Services, implementation of partner and other programs and Services of the Company.

3.2.2. The purpose of processing the User's credentials is to provide the latter with the opportunity to use the Services and grant the rights to use additional functional (software) features of TotheMoney.com, conducting advertising campaigns, conducting statistical research and analyzing the obtained statistical data, and performing other actions described in the Agreement. The processing of the User's credentials is carried out within the period from the moment of registration of the User and until the moment of deletion of his account.

3.2.3. The User agrees that the Company has the right to perform the following actions with the accounting data during the processing of the accounting data: collection, systematization, accumulation, storage, use, destruction and other necessary for the purpose of fulfilling the Agreement. After registering an account on TotheMoney.com the Company has the right to fill the User's account with content, including adding information about the User's orders, placing advertising and other information. At the same time, the User undertakes not to post on the Services TotheMoney.com email addresses and other personal information of other users or any third parties without their personal consent to such actions.

3.3. The User is obliged to ensure the safety of their Credentials and not to disclose them to third parties. The User does not have the right to transfer their Credentials to third parties, as well as directly or indirectly allow third parties to use their Credentials to log in to "BC To the Money", except for persons acting on behalf of and in the interests of the User or who received such Credentials on the basis of relevant agreements with the User. The User is personally responsible for the safety and security of his password and information data.

3.4. Any action performed from the User's Personal Account using the User's Credentials is considered an action performed by the User himself or an authorized person and establishes the obligations and responsibilities for the User in relation to such actions, including liability for violation of this User Agreement, legal requirements regarding the product, information about which is posted by the User on "BC To the Money".

3.5. The User is obliged to immediately change the Credentials if he has reason to suspect that this data has been disclosed, may be used by unauthorized third parties or at the request of the Company.

3.6. The Company has the right to use available technical solutions to verify the correctness of the information provided by the User when using "BC To the Money". The Company cannot guarantee that the User is really who he appears to be, nor that the information provided by the User on "BC To the Money" is true. The Company recommends that Users communicate with possible counterparties, Sellers and Purchasers, using all the tools available on "BC To the Money", and to exercise prudence and caution when making transactions and choosing a Seller.

3.7. The Company has the right to block the User's access to the Personal Account with or without the simultaneous termination of the placement and display of its Advertisements. The Company has the right to terminate and/or restrict the User's access to the Services at any time, as well as to block or delete the User's account on the Site without the possibility of restoring it.

3.8. The Company is not responsible for and does not guarantee the security of the User's data in the following cases: transfer of the password by the User to third parties (intentionally or negligently); access by third parties to the User's e-mail box using software tools that allow the selection and/or decoding of the password; access by third parties to the User's e-mail box by simply selecting the password; failure by the User to comply with the recommendations specified in this Agreement or the Service interface.

3.9. The User is solely responsible for the security (resistance to guessing) of the means chosen by him to access the account, and also independently ensures their confidentiality.

The User is solely responsible for all actions (as well as their consequences) within or using the Services under the User's account, including cases of voluntary transfer by the User of data for access to the User's personal account to third parties on any terms (including under contracts or agreements).

In this case, all actions within or using the Services under the User's account are considered to be performed by the User himself.

3.10. The User undertakes to comply with and implement additional recommendations of the Company in addition to those provided in this agreement, and related to improving the security of his personal account. In case of non-compliance with the additional recommendations, the Company is not responsible for the damage caused to the User as a result of illegal actions of third parties who have gained access to the User's personal account.

3.11. By entering into this agreement, the User confirms that he / she does not belong to persons who finance terrorist activities, carry out the legalization of funds obtained by criminal means, etc.

The funds provided by the User for the purchase of products and services of the Company are legal in nature, acquired legally and belong to the User on the basis of ownership rights.

In case of non-performance of these guarantees, the potential user must refuse to enter into this Agreement.

3.12. If the User is legally married, the User guarantees that the products and services of the Company are purchased by him at the expense of property belonging exclusively to the User, or property acquired during the marriage, provided that the second spouse is notified of the User's intentions to purchase the Company's services and has expressed consent to this.

4. Information provided by Users

4.1. As part of the use of "BC To the Money", the User undertakes to provide only reliable Information and is responsible for the Information provided by him. The User undertakes to update the Information in a timely manner by editing it on "BC To the Money". The Company has the right to request, and the User is obliged to provide, upon such request, documents and information necessary to identify the User as a party to the User Agreement and / or the party using the relevant Service, as well as documents confirming the accuracy of the Information provided and the legality of the use / offer of the product and / or the User's connection with the product specified in the Advertisement.

4.2. In the process of using the "BC To the Money" Services (including when Registering, interacting with other Users through the "BC To the Money" interface, placing Advertisements, viewing the "BC To the Money" pages, etc.), the User independently and voluntarily makes a decision to provide to the Company or post publicly available personal and other information about the User (last name, first name, patronymic or pseudonym of the User, email address, phone number, as well as any other information provided by the User, including those contained in messages, information about the User's actions on "BC To the Money", etc.) for the purposes of executing the User Agreement, and hereby declares its consent to the processing by the Company and its affiliates of the User's personal and other data, their transfer (including cross-border transfer to the territory of foreign states that provide adequate protection of the rights of personal data subjects) for processing by other Users and / or third parties acting on behalf of the Company, including for the purposes of providing consulting support to Users in connection with the use of the Site, checking Advertisements for compliance with the User Agreement, delivering messages to other Users, obtaining statistical and analytical data to improve the functioning of "BC To the Money" and / or Services, expanding the range of Services provided, receiving information and / or advertising messages from the Company or third parties, preventing or suppressing illegal and / or unauthorized actions of Users or third parties, ensuring compliance with the requirements of the current legislation of the Russian Federation. The Company takes all necessary measures to protect the User's personal data from unauthorized access by third parties.

4.3. All information (regardless of whether such information is related by law to personal or other data subject to protection in accordance with the law or not) posted by the User on "BC To the Money" is posted by him for the sale of his property and / or services by the User and / or in other interests of the User and, accordingly, the User posts this or that information about himself exclusively in his own interests, including to facilitate communication with the User.

By placing Advertisements on "BC To the Money", the User makes the Information specified in the Advertisement publicly available and understands that the posted information is published on "BC To the Money" in the public domain, that is, it is available to any visitor of "BC To the Money" (an unlimited number of persons) on the territory of all countries of the world where it is possible to use the Internet and access to the site. Accordingly, the User understands and assumes all risks associated with such placement of information, including, but not limited to: the risk of getting an email address in the spam mailing lists, the risk of getting an email address to various types of scammers, the risk of getting a phone number to SMS spammers and / or SMS scammers, and other risks arising from such placement of information.

4.4. The Company is not obliged to carry out a preliminary check of any type of Information posted and / or distributed by the User through "BC To the Money". The Company has the right, at its sole discretion, to refuse to post and / or distribute any Information to the User, or to delete any Information posted by the User on "BC To the Money". The User understands and agrees that he must independently assess all risks associated with the placement and dissemination of any Information, including the assessment of its reliability, completeness or usefulness.

4.5. The Company does not provide advice on issues that are not related to "BC To the Money", require professional evaluation and / or are not within the competence of the Company.

4.6. The User's requests to the Company on issues related to the use of "BC To the Money" are considered in accordance with the procedure provided on the Website. The Company's interaction with the User within the framework of consideration of the User's request is carried out using the User's specified email address and / or phone number of the User.

4.7. The Company has the right not to consider the User's requests: those that do not contain information and documents necessary for the consideration of the request; those that contain false information and (or) documents that do not have signs of reliability; in relation to issues that the Company previously sent a response to the User (repeated requests); those that contain insults, threats or appeals set out in a sharply negative form; those sent in violation of other conditions and the procedure for considering appeals provided by the Company.

5. User’s obligations

5.1. The User undertakes to act exclusively in accordance with the current legislation and the "BC To the Money" User Agreement, as well as to bear full responsibility for their own actions and inaction on "BC To the Money" and when using the Services in accordance with the law.

5.2. The "BC To the Money" Services available to the User may be used exclusively for the purposes for which such Services are intended by the Company. The User is prohibited from using the Services, as well as any information obtained on the Site for other purposes.

The Company has the right at any time, at its sole discretion, to conduct a random check of Advertisements, Purchasers’ messages sent to Sellers via the "BC To the Money" communication form and / or the terms of use of the Services by Users for compliance with the User Agreement, including in automatic mode using software tools. In the event of violations, as well as when receiving information from third parties about such violations or identifying a set of signs that may indicate violations in the Company's opinion, the Company has the right to suspend or terminate the User's access to certain Services, including rejecting or blocking Advertisements and / or access to the Personal Account.

By the sole decision of the Company, the blocking of Advertisements and / or accounts on the Site may be temporary or permanent, depending on the volume and number of violations of this User Agreement and other rules of use of the Site established by the Company. If the User eliminates the violations committed, the Company has the right to restore the previously blocked Advertisement or the User's access to the account on the Site.

5.3. The User undertakes not to use automatic or other programs to gain access to "BC To the Money" without the written permission of the Company. Without the permission of the Company, it is also not allowed to use, distribute, copy and / or extract from "BC To the Money" manually or automatically (using software tools) any materials or information (including Advertisements, product descriptions, photos, etc.).

5.4. The User also undertakes:

● not to take any actions that may lead to a disproportionately large load on the "BC To the Money" infrastructure»;

● do not copy, reproduce, modify, distribute or make available to the public any information contained on "BC To the Money" (other than Information provided by the User himself) without the prior permission of the Company and any third party;

● do not interfere with the operation of "BC To the Money", and do not interfere with the operation of automatic systems or processes to block or restrict access to "BC To the Money".

5.5. In order to prevent violations of the User Agreement and / or damage to the Company (for example, DDoS attacks or other hacker attacks, unauthorized use of software tools by the Company, including for downloading Advertisements, etc.), the Company has the right to restrict access of Users or third parties to "BC To the Money" by blocking access to "BC To the Money" of the corresponding IP address or range of IP addresses.

5.6. For the purposes of accessing certain Services on "BC To the Money", the User may use the unique identifiers (a set of characters) provided by the User, the account on the Site, the Advertisement, the product, etc.

5.7. By accessing "BC To the Money", the User agrees to receive advertising information posted on "BC To the Money" by third parties. The User understands and agrees that "BC To the Money" does not define the content and is not responsible for such information, including sites that may be linked to in the relevant materials.

5.8. The User of "BC To the Money" undertakes not to use any data provided by another User without the permission of the person who posted such Information, or without confirming in any other way the right to use such Information. All information received by the User about other Users in connection with the use of "BC To the Money" can only be used to make and execute transactions in relation to the Products. Thus, the User is prohibited from using the email address, phone number and / or a special form of communication with the Seller on the Site for the purposes of direct advertising or other unsolicited electronic messages, as well as for other illegal actions or actions committed without the knowledge and / or consent of the other party.

To facilitate interaction between Users, the Services imply limited access to some of the contact information of other Users. The right to use the Information provided by other Users is limited to this User Agreement.

5.9. If the User has claims against another User in connection with the latter's use of the Services and / or Advertisements posted by him, the User is obliged to submit these claims to the appropriate person (Seller) and resolve the claims independently and without the participation of the Company.

5.10. The User understands and accepts that the Company does not always verify the information published on "BC To the Money" by Users. Some of the information contained in the Advertisements may appear offensive, dangerous, incorrect, or misleading. The company recommends that Users exercise caution and rely on common sense when using information on "BC To the Money". The User must take into account that his counterparty may impersonate another person, be a minor, post distorted information, etc. The use of the Services implies that the User is aware of and accepts these risks, and also agrees that the Company is not responsible for the actions or omissions of other Users.

5.11. The User undertakes to be careful when choosing a counterparty, and makes a decision on the transaction under his own responsibility, based on the fact of placing an Advertisement on "BC To the Money", independently making sure that the offer, sale and / or purchase of any product in the Advertisement on "BC To the Money" is valid and legal.

5.12. Users of the Site who carry out business activities and use the site for the purpose of extracting benefits must comply with the requirements of the legislation of the country of which they are a resident and, at the request of the Company, must provide the necessary documents.

6. Exchange of information when using the Site

6.1. The Company's messages intended for Users are published for public access on "BC To the Money" and / or sent individually to the email addresses provided by Users when Registering or placing Advertisements on the Site. At the same time, the User understands, accepts and agrees that the messages sent and / or their individual parts may be of an advertising nature, and may also contain advertising, informational and other messages of the Company's counterparties. Messages published on "BC To the Money" are considered delivered to the User from the moment of their publication.

The Company may send Users transactional and service messages related to User actions on the Site.

6.2. User messages intended for the Company are sent by the methods offered on "BC To the Money", including the feedback form for requests on the Site.

6.3. The User's messages to the Seller can be sent through a specially proposed form of communication with the Seller. The User understands and agrees that the correspondence with other Users of the Site, carried out using a specially proposed form of communication, is not personal. The Company has the right to view messages sent through a specially proposed communication form at any time.

The Company does not guarantee that a message sent to the Seller will be answered by the User, nor does it guarantee the delivery of such a message to the Seller.

7. Guarantees, liability and settlements

7.1. The User is responsible for the actions performed on the Site in accordance with the current legislation, including responsibility for the content of the information posted by him and violation of the rights of third parties in relation to the products and/or information posted on the Site.

7.2. The User is responsible for the transactions offered in relation to the products and concluded in connection with them, for the choice of counterparties for the transaction and the consequences arising from the transaction. All product transactions are made directly between Users. The Company is not a participant and / or intermediary of transactions made by Users based on the information received on "BC To the Money", does not control and is not responsible for such transactions.

7.3. "BC To the Money" is a tool that allows Users to place Advertisements in relation to products, the sale and / or purchase of which is permitted by law and the User Agreement, providing information services. At the same time, the Company does not always check the Advertisements placed by Users. Thus, the quality, safety, legality and conformity of the product to its description, as well as the ability of the Seller to sell and / or the Purchaser to purchase the product, are beyond the control of the Company. In this regard, the Company is not responsible for the content of information provided by Users, including the content of Advertisements, Users' use of product signs, third-party logos, and the terms of the Seller's offer.

7.4. The Company is not responsible for the loss of information by the User, as well as for the distortion of information or the loss of a message received using the communication forms on the Site.

7.5. Taking into account the principles of building and functioning of the Internet, the Services are provided "as is", which means that the Company does not provide any guarantees with respect to the Services, in particular, the Company does not guarantee to the User that:

● the services, their direct or indirect effect and quality will meet the User's requirements and goals;

● Services will be provided continuously, reliably, and error-free;

● the results that will be obtained through the use of the Services will be accurate, reliable and meet the User's expectations.

7.6. The User agrees that the Company is not responsible for any possible losses caused to the User in connection with the adoption of measures to prevent violations on "BC To the Money" related to the restriction / blocking of Users' access to the Site, as well as IP addresses, in accordance with p.5.6. of this User Agreement.

7.7. The User accepts and agrees that the opportunity provided to the Company to send a message to the User via the communication form on the Site can be used by any third parties for purposes other than making a transaction with the User without any influence and control on the part of the Company. In this regard, the Company is not responsible for the use of other Users and / or automated systems (robots) posted on "BC To the Money" form for sending messages to Users, as well as for their use of phone numbers posted by the User on the pages of "BC To the Money".

7.8. When Purchasers use the form of communication with the Seller on the Website, the Company cannot guarantee the delivery of such a message to the Purchaser and the correctness of the email address specified by the Seller.

7.9. The Company is not responsible for non-performance or difficulties in performing obligations due to force majeure, the consequences of which cannot be avoided or overcome.

7.10. The Company is not connected in any way with any information provided by the User, including the content of Advertisements provided and / or posted by Users on "BC To the Money", and is not obliged to verify the content, authenticity and security of such information or its components, as well as its compliance with the requirements of current legislation and whether Users have the necessary rights to distribute and / or use it.

7.11. The Information posted by Users may contain links to websites on the Internet (third-party websites). These third parties and the content of their sites, as well as any information of third parties, are not checked by the Company for compliance with any requirements (accuracy, completeness, legality, etc.). The Company is not responsible for any information, materials posted on third-party sites that the User gets access to in connection with the use of "BC To the Money", as well as for the availability of such sites or information and the consequences of their use by the User.

7.12. All payments between the platform participants, Users (sellers/purchasers) and the Company, as well as when purchasing products, services of the Company and other users (sellers/ purchasers) are made exclusively using TMY units of account.

TMY — the unit of account used for purchasing products within the Site.

7.13. Settlements between the company and the User when TMY payment units are credited to the User's account, as well as when the User transfers TMY payment units back to the Company (in cases of closing the User's account or partial withdrawal of payment units from the user's personal account) are made in United States dollars (hereinafter referred to as USD, or property).

By agreement of the parties, the cost of the TMY unit of account is equal to 1 USD. The Company reserves the right, and the User agrees in advance, to unilaterally change the exchange rate of the value of the TMY unit of account in relation to the USD, both in the direction of increase and decrease.

7.14. The units of account are credited to the account of the property provided by the User, and the Company does not acquire ownership of the property provided by the User, for which the TMY units of account were issued, but acts as the custodian of such property.

In order to fulfill the obligations of the Users and the company to provide/return TMY, digital assets of BTC ETH can be used, based on their value equivalent to the amount of USD to be transferred to the Company or the User at the time of the fulfillment of the obligation.

7.15. Account mode.

In order to ensure reliability between community members and create a system of effective protection of the interests of community members, the mode (functionality of TMY units of account) depends on the account on which they are located. The account is one of the Company's services provided to the participants for use in order to achieve their goals in the most complete way when entering into relations with other participants of the platform. The choice of the type of accounts used, as well as the possibility of using the accounts, belong exclusively to the Users and are established by their internal agreement.

«My wallet» account is intended for replenishment, storage of the User's balance, purchase of goods, works, and services on the Site.

«Total assets» account is intended for holding products purchased by users of the site from other users (WAYF, NANO, WL, etc.). In cases determined by the Parties, it is allowed to withdraw these assets from the Site.

Withdrawal/Reinvest account is intended for receiving additional income from transactions concluded by Users of the Platform in relation to products placed on the Platform. The assets placed on this account can be re-invested in products placed on the Site, or exchanged for directly provided products.

«AS» account is intended for settlements with agents who carry out activities on the Site.

7.16. The Parties have agreed that the Company has the right to suspend or restrict the ability of Users to purchase the Company's products and services, as well as to restrict (suspend) the conversion and withdrawal of units of the account used on the Platform TotheMoney.com, in cases of significant market changes in the markets of major digital assets, expressed in a significant (more than 20% during the day) decrease in the trading volume of digital assets, a significant (more than 20% during the day) decrease in the value of major digital assets or the weighted average price.

7.17. The Parties have agreed that the Company has the right to suspend or restrict the ability of Users to purchase the Company's Products and services, as well as to restrict (suspend) the conversion and withdrawal of units of the account used on the Platform TotheMoney.com, in cases where the User has committed a violation of the rules and requirements set out in this User Agreement.

7.18. Users who do not carry out business activities are not entitled to transfer TMY units of account to other persons who do not carry out business activities.

8. Intellectual property rights

8.1. The Company is the owner of the exclusive rights to "BC To the Money" and Mobile applications, including, but not limited to: the domain name, the logo placed on the Site, the product mark "BC To the Money", databases, all technical developments that allow the use of the Site. The User or any other person may not use "BC To the Money", Mobile Applications or Services in ways not provided for in this User Agreement without the Company's permission, including extracting Information in any form not provided for in the User Agreement in ways. The exclusive rights to the results of intellectual activity included in the Information provided by the Users belong to the respective Users and copyright holders.

8.2. In order to fulfill this User Agreement, conduct contests, promotions, announce and inform Users and other similar events, exercise the legal rights and interests of the Company and ensure the functioning of "BC To the Money", the User grants the Company a universally valid, perpetual right to use Information (including photos, texts of product descriptions, trademarks, logos, etc.) in any way on all known or unknown information media during the entire term of the exclusive right, and also transfer such a right to third parties. The User authorizes the use of materials as part of the Information without specifying the name of the author, and also guarantees that the Information provided does not violate any rights of third parties, including exclusive rights.

9. Term of the User Agreement

9.1. This User Agreement comes into force from the moment the User starts using the "BC To the Money" Services, regardless of the fact of the User's Registration or placement of an Advertisement on "BC To the Money", and is valid indefinitely.

9.2. The User has the right to terminate access to his Personal Account without the possibility of restoring such access. In this case, the User does not have the right to re-register, including using the email address and / or phone number as part of the Credentials specified by the User earlier on "BC To the Money".

The Company reserves the right, at its sole discretion, to terminate the access of a User who violates this User Agreement, as well as the terms of any of the Services, other rules governing the functioning of "BC To the Money", to the Services in general and in part, including to terminate or temporarily suspend the User's access to the Personal Account. A User whose access to the Services has been terminated, or whose Information has ceased to be valid, does not have the right to create a new account on the Site again (including using the email address and/or phone number previously specified by the User on "BC To the Money") without the special permission of the Company. The User does not have the right to use the Credentials of another User to access "BC To the Money".

10. Transfer of Rights

10.1. The Company has the right, and the User hereby agrees to this, to transfer its rights and / or obligations under this User Agreement, both in whole and in part, to a third party.

10.2. In the event of the transfer of rights and / or obligations, both in whole and in part, under this User Agreement to a third party, the third party has the right to provide similar or similar services on another site.

11. Disputes and current legislation

11.1. When resolving all disputes under this User Agreement, the current legislation of the Republic of Georgia applies.

11.2. Due to the gratuitous use of the Services provided to the User under this User Agreement, the provisions of the legislation on consumer protection are not applicable to the relationship between the User and the Company.

11.3. All disputes arising under this Agreement must be submitted to the court in accordance with the territorial jurisdiction of the Company's location in the territory of the Republic of Georgia. The legislation of the Republic of Georgia shall apply to all disputes and relations arising out of this agreement.

11.4. The recognition of certain parts of this User Agreement as invalid does not cancel the validity of other provisions of this User Agreement.