Terms and conditions of service for Ecurrency4u.

Below are the terms of service between each client/customer and Ecurrency4u.

 To be a registered customer of Ecurrency 4u you would have accepted this terms and conditions and are bound by service conditions as follows

Terminology

Ecurrency4u : is a duly registered Ecurrency Exchange Service company  in the Republic of Ghana. Which carries out its exchange services via its portal/website  www.ecurrency4u.net or  www.ecurrency4u.com or its app ecurrency4u on the ios and android platforms

Clients or customers: Is any individual who is Registered/Signed Up to the ecurrency4u portal and duly verified by Email , phone Number and Personal Information

Ecurrency: are various electronic currencies which can be transferred independently between online based ecurrency accounts, wallets or platforms E.g. Perfect Money, Bitcoin, Skrill solid trust pay Ethereum, Litecoin,  Webmoney,  Okpay,  Payza.  e.t.c

Orders: Are individual specific Customers request for Ecurrency4u exchange services with information of type of Ecurrency, quantity  required  and preferred mode of payment By customers

Order Number/ Order No: is the identification for Each individual order placed by customers on the ecurrency4u portal or website

·         Buying order No prefixed with the letter BO

·         Selling order No prefixed with the letters SO

·         Exchange order No prefixed with the letter E0

Prepaid Account: Its a wallet in each customers Ecurrency4u account in which you can store funds for the purchase of any ecurrency been sold on the ecurrency4u portal/website

Client’s Mandate

1.       All individuals  would have to Register/Sign up and be verified by email and phnone number to be a client/customer of ecurrency4u (All personal information shared with Ecurrency4u is only used for account and verification purposes and are not shared with any third party)

2.       Clients are Mandated to ensure all details especially email and phone number are updated and active as they would be used as mediums of communication between Ecurrency4u and the clients during processing of orders and for promotional activities.

3.       Clients are mandated to ensure the security of their Ecurrency4u accounts. They are to keep their account passwords and pin safe and not shared with any third party including ecurrency4u. And clients to enable maximum internet security on their online devices. Ecurrency4u will not have access to your passwords as their  your details and would not take responsibility for any breach of your account, orders and transactions.

4.       Clients are Mandated to cross check and confirm all details in their orders before completing order process. The orders would be completed with the details as presented in the order and would not be liable for any errors due to wrong details used in placing order by client.

5.       Clients are mandated not to use Ecurrency4u services for any third party transactions

i)                    All Ecurrency exchanges are only to be made to and from wallets owned by the registered customer ( Ecurrency4u would not be held liable for errors due to third party involvement)

ii)                   All payments to Ecurrency4u can only be made from Accounts and wallets belonging to the registered customer especially bank transfer payments (Ecurrency4u will reject payments from a any bank account with a name other than that of the registered customer). All third party transactions are strictly prohibited

6.       Clients are mandated to place orders and make payments in the quickest possible time of  to avoid changes in prices due to fluctuations with ecurrencies such as bitcoin

i)                    All orders placed should be paid immediately as price of ecurrencies are liable to change at anytime and would automatically be factored into already placed orders not  processed. 

ii)                   All orders have a shelve life of forty eight (72Hrs) or would expire. If order status is not changed to paid, payment added or complete within 72 hours after being placed the system would automatically cancel it and status changed to expired. All orders successfully processed and completed are not refundable.

7.       Clients are mandated to pay for Miners fee when purchasing Bitcoin, Bitcoin Cash, Ethereum and litecoin .Clients are also expected to pay the fees for skrill transfers 

 i)                  Clients have a choice of priority or regular fees whilst purchasing bitcoin on the eccurency4u platform. We strongly recommend  priority Fees for bitcoin transactions so as to hasten the confirmation of bitcoin transactions  and to keep us serving all clients efficiently these fees would be automatically passed  unto the clients.

8.       Clients are Mandated to adhere to payment instructions on the website  religiously by referencing their payments and adding payment details for faster service

9.       Clients are Mandated to be courteous and cordial to ecurrency4u support staff and sysytems.

i)                    Kindly place order, make payment using order number as reference and add payment details inputting the correct transaction ID, and the order would be completed between 3-7mins during working hours, all clients are employed not to use live chat unless the order has been delayed for more than 10mins as the use of live chat actually slows down our processing times.

ii)                   All selling orders would be completed within 7 mins  of receiving the expected ecurrency, except cryptcurrencies which will be after confirmation on our system and bank payments which would be done within  30mins - 2hrs during working hours. 

iii)                 All clients are to maintain a cordial interaction through phone, live chat,whatsapp, support ticket or being present in our offices with all our staff as they are well trained to respect and provide excellent customer service. Any threat or abuse of our staff will result in the blacklisting of the individual and a report to the   appropriate authorities  for legal action.

10.   Clients are Mandated not to use ecurrency4u website/portal for any Local / International  money laundering activities. As this would not be tolerated and reported to the authorities

11.   Clients are Mandated to report any attempted abuse/ attempted hack/conspiracy to the ecurrency4u portal or website.

12.   All clients are mandated to partake in all promotional activities of Ecurrency4u and to enjoy benefits from our loyalty program as stated below in the loyalty section.

13.   All clients are mandated to be able to decline and unsubscribe from the ecurrency4u service at any time.

Ecurrency4u Mandate

14.   Ecurrency4u Mandates  to provide world class, safe, fast, reliable  and professional ecurrency exchange service to all its customers.

15.   Ecurrency4u mandates that all personal information of clients is used only for verification and customer account management purposes only and does not share this information with any third party

16.   Ecurrency4u mandates to run a highly secure service using SSL certification and highly encrypted systems to ensure the security of your transactions, orders and personal details

17.   Ecurrency4u Mandates to process all Paid orders within 3 -7 mins of receiving all correct details of the order and correct payment details.

18.   Ecurrency4u Mandates to make payment for all selling orders during working hours within 7 minutes of receiving the sold ecurrency except bank payments which could take between  30mins - 2 hrs. Bitcoin payments  would be paid for after 3 confirmations from the bitcoin network.

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20.   Ecurrency4u mandates that all information on the site are true and correct .

21.   Ecurrency4u mandates that all promotions are  controlled by ecurrency4u and can be changed and stopped at any time of our choosing.

Customer loyalty Accounting system

i)                    A registered customer is a basic customer

ii)                   Basic customer who  uses our system buys or sells any ecurrency up to $1000  and leaves a testimonial automatically graduates to a silver customer

iii)              All silver customers receives a 0.05% discount on all ecurrency purchases and 0.05% increase for ecurrencies being sold until they graduate to the next level Gold customer. Silver customer who buys up to a $10,000 or sells more than $10,000 of ecurrencies and leaves a testimonial graduates to a gold customer.

iv)            All  Gold Customers receives a 0.075% discount on all ecurrency purchases and 0.075% increase on all ecurrencies being sold . Gold customer who purchases up to $20,000 or sells more than$20,000 of ecurrencies and leaves a testimonial graduates to a platinum customer

v)              All Platinum Customers receives a 1% discount on all ecurrency purchases and 1% increase for all ecurrencies being sold as long as they remain ecurrency4u customers.

ANTI MONEY LAUNDERING POLICY.

Objective/Risk

The commitment of Ecurrency4u to the highest ethical and legal standards extends to its business dealings throughout the world. 

This Anti-Money Laundering (AML) Policy Standard is intended to ensure that Ecurrency4u  upholds this commitment by complying with both the specific requirements and the spirit of all relevant Ghanaian and international Anti-Money Laundering and Counter Terrorist Funding Laws, Regulations and Standards.^[1] This includes compliance with the provisions of the Anti-Money Laundering Act 2008 (Act 749), the AntiMoney Laundering Amendment Act 2014 (Act 874) the Anti-

Money Laundering Regulations, 2011 (L1 1987), the AntiTerrorism Act, 2008 (Act 762), the Anti-Terrorism (Amendment Act, 2012 (Act 842) and all existing and future directives or guidelines of the Bank of Ghana on AML. 

This is to avoid reputational damage to Ecurrency4u by ensuring the implementation of risk based controls that deter abuse of cryptocurrencies by money launderers and those involved in financing terrorism. It is also to protect Ecurrency4u, its employees and third party agents from inadvertently committing money laundering and terrorist financing offences.

 Scope and Compliance

This Policy Standard applies to:

•                  All  Ecurrency4u employees.

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