1. General conditions:

1.1. According to this Client agreement Insta-Change.com determines the conditions on which the Company will provide services of conducting selling, buying and electronic currency exchange transactions.

1.2. The moment the client has filled in the form, every trading transaction conducted by the client becomes subject to this Client agreement.

1.3. Exchange transaction is completed when the service has transferred the sum to the account indicated by the client.

1.4. When the transaction is cancelled by the client, the refund is transferred to the same account from which the money was received by the Company. It being assumed, that a minimal commission and systems' commission are deducted.

2. The conditions of currency exchange transactions in Insta-Change.com service:

2.1. Conducting currency exchange transactions in Insta-Change.com service, it is forbidden to:

2.1.1. Use Insta-Change.com for conduction of fraudulent operations and legalization of monetary, gained from criminal actions.

2.1.2. Disclose payment details of Insta-Change.com to the third party. In case of the payment details disclosure by the client to the third party, the Company declines the responsibility for the third person's actions.

2.2. Using Insta-Change.com services, the client agrees, that on any attempt to legalize or to conduct transactions with the monetary gained from criminal actions, the Company will report to the law-enforcement authorities, payment systems' administrations and the victims of the fraud.

2.3. The Company has absolute right to refuse the exercise of services to any client, who is under suspicion of, complaint about or under claim by the law-enforcement authorities, payment systems' administrations or any user of the payment system.

2.4. The Company declines the responsibility and the refund of loss, resulted from incorrect use of the service, the client's inaccurate transfer of the monetary, filling of the exchange form, which may cause the transfer of the funds to the false stated account.

3. The information provided by Insta-Change.com client:

3.1. All information (electronic mail address, electronic payment details), which is provided by the client in the exchange transaction process is confidential and cannot be disclosed to the third party except when:

- it is demanded by the law-enforcement authorities;

- it is a court decision;

- it is demanded by a pay system authorities.

3.2. Performing buy/sell operations or exchanging the currency in the amount exceeding 100 USD the Client has to prove his identity sending his passport scan to the administrator of Insta-Change exchange system.

4. Risk notification.

4.1. Suggested goods and services are not provided on the order of any party or any organization exploiting WebMoney Transfer system. The Company is an independent organization without connection to marketing WebMoney system.

4.2. All services and decisions on changing prices and offers are implemented by the Company singly.

5. Commission and other expenses.

5.1. The client is obliged to pay the Company the commission and other expenses established by the Company.

5.2. The Company can change the commission and other expenses rate without prior notification of the client.

5.3. If all applicable rules and conditions are followed, the Company is not obliged to disclose and provide to the Client any reports on the profits, commissions and other compensations, obtained by the Company as a result of the client's transaction, except when it is specially stated in this Client agreement.

5.4. The client is obliged to pay all sums subject for payment, including the commission and other expenses established by the Company.

5.5. The client undertakes to follow independently the alterations in rates and other conditions influencing the performance of this Client agreement.

5.6. Using Insta-Change.com services the Client agrees with the terms implying that at calculating the exchange direction - the amount due for payment is displayed exclusively of payment system commission.

6. Inquiries and orders of the Client.

6.1. The Company processes inquiries and orders of the Client according to rules established by this Client agreement.

6.2. The client cannot transfer his rights, assign his responsibilities or carry out any other actions on cession of rights or responsibilities according to this Client agreement, without having the prior consent of the Company. If this condition is infringed, any re-assignment, entrust or transfer shall be void.

7. Responsibility limits.

7.1. The client undertakes to guarantee the Company protection against any emergence of obligations, expenses, claims or damage, which may rise both directly and indirectly because of the Client's inability to perform responsibilities of this Client agreement.

7.2. The company has no responsibility to the Client for any losses, unreceived profit, omitted opportunities, costs or damages subject to this Client agreement.

8. Circumstances of force majeure.

8.1. Having enough reasoning for that, the Company may determine the scope of force majeure circumstances. The Company will take duly steps to inform the Client on the beginning of force majeure circumstances. Circumstances of force majeure include, but are not limited to:

8.1.1. Any action, event or phenomenon (including, but not limited to, any strike, mass rioting or civil disorders, terrorist acts, wars, natural calamities, accidents, fires, floods, storms, irregular work of power supply or communication and electronic equipment, civil disorders) which, in well-grounded opinion of the Company, has led to difficulty in performance of this Client agreement.

8.1.2. Stoppage of work, liquidation or closure of any market or absence of an event, on which the Company quotations are based, or introduction of restrictions or special or non-standard terms of trade on any market, or regarding any such event.

9. Other terms and conditions.

9.1. The Company has the right to suspend customer's support at any moment, having the reasonable ground for that (the prior notification of the Client is non-obligatory).

9.2. If the situation, which has not been described in this Client agreement occurs, the Company will act according to the established market practice, with rely on principles of honesty and justice.

9.3. The company is authorized to pass on the rights and responsibilities of the given Client agreement entirely or partially to the third party, provided that this party agrees to the conditions of this Client agreement. The cession of rights and responsibilities comes into effect after 10 working days since the date of the receipt of such notification by the Client.

9.4. This Client agreement is read and understood by the Client, as it determines all conditions of the Client's trading and non-trading operations.

9.5. The service administration has the right to make amendments and additions to this agreement. They come into effect from the date of their acceptance, and are applied to all positions opened since this date.

9.6. The client may suspend or terminate this Client agreement after advance notification of the Company.

9.7. Determination of the Client agreement does not rescind the obligations from the side of the Company and the Client, which have already arisen in conformity with this Agreement.