Terms of Service

1. Definitions and Interpretation

In these Terms of Service (“Terms”), the following definitions apply unless the context requires otherwise:

• “WeChange”, “we”, “us”, or “our” refers to NETSOR International s.r.o., the operator of the WeChange platform.
• “Platform” means the WeChange website, application, and any related interfaces through which the Services are accessed.
• “User”, “you”, or “your” refers to any individual who accesses or uses the Platform.
• “Services” means the intermediary services provided by WeChange, connecting Users to third-party cryptocurrency and fiat currency exchange services.
• “Bridge” refers to Bridge Technology, Inc. (operating as bridge.xyz), the licensed third-party provider that performs all currency exchange, payment processing, and related financial services.
• “Digital Assets” or “Cryptocurrencies” means supported blockchain-based tokens and stablecoins, including but not limited to USDC, USDT, EURC, ETH, and SOL.
• “Fiat Currency” means government-issued currencies supported on the Platform, including EUR, USD, GBP, MXN, and BRL.
• “On-Ramp” means the conversion of Fiat Currency to Digital Assets.
• “Off-Ramp” means the conversion of Digital Assets to Fiat Currency.
• “Transaction” means any on-ramp or off-ramp conversion initiated through the Platform.

2. About WeChange

WeChange is a non-custodial cryptocurrency on/off-ramp platform operated by NETSOR International s.r.o., a company registered in the Czech Republic.

WeChange functions solely as a technology intermediary that:

• Provides a user interface for initiating on-ramp and off-ramp requests;
• Forwards User transaction requests to Bridge for execution;
• Displays transaction status, fee information, and exchange rates as provided by Bridge;
• Facilitates User communication and support.

WeChange does not at any point take custody, possession, or control of User funds — whether fiat or cryptocurrency. All funds flow directly between the User and Bridge.

3. Eligibility

To use the Platform, you must:

1. Be at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher);
2. Not be a resident of, or located in, any country or territory that is restricted by Bridge. A current list of restricted jurisdictions is available at bridge.xyz;
3. Not be listed on any applicable sanctions list, including those maintained by the U.S. Office of Foreign Assets Control (OFAC), the European Union, or the United Nations;
4. Have the legal capacity to enter into a binding agreement;
5. Successfully complete the identity verification (KYC) process as required by Bridge.

By accessing or using the Platform, you represent and warrant that you meet all of the above requirements.

4. Account Registration

To use the Services, you must create an account on the Platform using a valid email address. This email address serves as your sole login credential with WeChange.

You are responsible for:

• Providing accurate and up-to-date information during registration;
• Maintaining the confidentiality and security of your account credentials;
• All activity that occurs under your account, whether or not authorized by you;
• Immediately notifying us at [email protected] if you suspect any unauthorized access to your account.

WeChange stores only your email address for authentication purposes. All other personal information required for identity verification, transaction processing, and regulatory compliance is collected and stored exclusively by Bridge.

5. Services

WeChange provides a technology interface that enables Users to:

5.1 On-Ramp (Fiat to Crypto)

Convert supported fiat currencies into supported digital assets. You initiate the request through WeChange; Bridge processes the conversion and delivers the digital assets to the wallet address you specify.

5.2 Off-Ramp (Crypto to Fiat)

Convert supported digital assets into fiat currency. You send digital assets as instructed through WeChange; Bridge processes the conversion and sends the fiat currency to your designated bank account via the applicable payment rail.

6. Third-Party Service Provider — Bridge

The financial services accessible through the Platform are provided exclusively by Bridge Technology, Inc. (“Bridge”). By using WeChange, you acknowledge and agree that:

1. Bridge is a separate legal entity from WeChange. Your use of Bridge's services is subject to Bridge's own terms of service, privacy policy, and compliance requirements, available at bridge.xyz/legal;
2. Bridge is responsible for all regulatory compliance, including licensing, anti-money laundering (AML) obligations, and customer due diligence (KYC);
3. Bridge directly handles all currency conversion, payment processing, fund custody, and settlement;
4. WeChange does not guarantee, endorse, or assume liability for Bridge's services, uptime, accuracy of exchange rates, or processing times;
5. In the event of a conflict between these Terms and Bridge's terms, Bridge's terms govern with respect to the financial services they provide;
6. You may be required to accept Bridge's terms separately as part of the onboarding process.

For more information about Bridge's infrastructure, licensing, and compliance framework, visit:

• bridge.xyz/about — Company overview
• bridge.xyz/legal — Legal and compliance documentation
• bridge.xyz/products/orchestration — Payment orchestration platform

7. Supported Assets and Payment Methods

7.1 Supported Digital Assets

The list of supported assets may change at any time. Availability may vary by jurisdiction and is subject to Bridge's operational capabilities.

7.2 Supported Fiat Currencies and Payment Rails

Supported currencies, payment rails, and their availability are determined by Bridge and may be modified without prior notice from WeChange.

8. Fees

WeChange charges a service fee on each Transaction. The current fee structure is as follows:

Fees are displayed prior to transaction confirmation and are deducted at the time of processing. Additional fees may be charged by Bridge, your bank, or blockchain network operators (gas fees). WeChange is not responsible for any third-party fees.

WeChange reserves the right to modify its fee structure at any time. Changes will be communicated through the Platform and will apply to Transactions initiated after the effective date of the change.

9. Transaction Processing and Settlement

Once you submit a Transaction request through the Platform:

1. WeChange forwards the request to Bridge for execution;
2. Bridge processes the Transaction according to its own procedures, compliance checks, and timelines;
3. Settlement times depend on the payment rail used, blockchain network conditions, and Bridge's internal processing.

Typical settlement times:

• SEPA (EUR): 1–2 business days
• ACH (USD): 2–4 business days
• Faster Payments (GBP): Same day to next business day
• PIX (BRL): Near-instant to same day
• SPEI (MXN): Same day to next business day
• Blockchain settlement: Varies by network (typically minutes)

These are estimates only. WeChange does not guarantee any specific settlement time. All Transactions are subject to Bridge's compliance review and may be delayed or rejected at Bridge's sole discretion.

Transactions are irreversible once submitted to Bridge for processing. You are solely responsible for verifying all transaction details — including wallet addresses, bank account details, and amounts — before confirming a Transaction.

10. KYC/AML Compliance

All Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations are performed exclusively by Bridge in accordance with applicable laws and regulations.

To use the Services, you will be required to complete Bridge's identity verification process. This may include providing:

• Government-issued photo identification;
• Proof of address;
• Source of funds documentation;
• Any additional information Bridge deems necessary for compliance.

WeChange does not collect, process, or store any KYC/AML documentation. All identity verification data is submitted directly to and stored by Bridge, subject to Bridge's privacy policy.

Bridge may, at its sole discretion, refuse service, delay transactions, or terminate your access based on its compliance review. WeChange has no control over these decisions.

For details on Bridge's compliance framework, see: bridge.xyz/legal.

11. User Obligations

By using the Platform, you agree to:

1. Use the Services only for lawful purposes and in compliance with all applicable laws and regulations;
2. Provide accurate, current, and complete information when using the Platform;
3. Not use the Platform to conduct, facilitate, or support any illegal activity, including but not limited to money laundering, terrorist financing, fraud, or tax evasion;
4. Verify the accuracy of all Transaction details before confirmation;
5. Be solely responsible for determining and fulfilling any tax reporting or payment obligations arising from your use of the Services;
6. Not attempt to circumvent, disable, or interfere with the Platform's security features;
7. Not use automated scripts, bots, or scrapers to access the Platform without prior written consent;
8. Promptly report any errors, discrepancies, or suspected unauthorized activity.

12. Prohibited Activities

The following activities are strictly prohibited on the Platform:

• Using the Services for money laundering, terrorist financing, or any other financial crime;
• Transacting on behalf of third parties without proper authorization and disclosure;
• Providing false, misleading, or fraudulent information;
• Using the Platform from a restricted jurisdiction or while subject to applicable sanctions;
• Attempting to manipulate exchange rates, exploit system vulnerabilities, or engage in market manipulation;
• Using the Services to process proceeds of illegal activity;
• Reverse-engineering, decompiling, or disassembling the Platform's software;
• Interfering with the Platform's infrastructure, including DDoS attacks or similar disruptive activities;
• Creating multiple accounts to circumvent limits, restrictions, or bans.

Violation of these prohibitions may result in immediate account suspension or termination, and may be reported to relevant authorities.

13. Non-Custodial Nature of the Service

Specifically:

• WeChange does not operate wallets on behalf of Users;
• WeChange does not hold fiat currency balances for Users;
• WeChange does not have access to your bank account or wallet private keys;
• All fund transfers occur directly between you and Bridge;
• WeChange uses Fireblocks for internal transaction monitoring only — not for holding or managing User funds.

You are solely responsible for the security of your own wallets, private keys, and bank account credentials. WeChange shall not be liable for any loss of funds resulting from compromised wallets, incorrect wallet addresses, or unauthorized access to your accounts.

14. Intellectual Property

All content, trademarks, logos, designs, software, and other intellectual property displayed on or incorporated into the Platform are the property of NETSOR International s.r.o. or its licensors and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purpose. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the Platform without our prior written consent.

15. Privacy and Data

WeChange collects and processes minimal personal data. Specifically:

• Data we store: Your email address (for account authentication and communication purposes).
• Data we do NOT store: Identity documents, financial information, bank account details, wallet addresses, transaction histories at the personal data level, or any other KYC/AML-related documentation.

All personal data required for identity verification and transaction processing is collected, processed, and stored by Bridge, subject to Bridge's privacy policy available at bridge.xyz/legal.

WeChange may use anonymized and aggregated transaction data for analytics, service improvement, and reporting purposes. Such data does not identify individual Users.

For questions about how your data is handled, contact us at [email protected].

16. Disclaimer of Warranties

The Platform and Services are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, or statutory.

To the maximum extent permitted by applicable law, WeChange disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Any warranty that the Platform will be uninterrupted, error-free, secure, or free of viruses or harmful components;
• Any warranty regarding the accuracy, reliability, or completeness of exchange rates, transaction data, or other information displayed on the Platform;
• Any warranty regarding the performance, availability, or reliability of Bridge's services.

Cryptocurrency markets are volatile. Exchange rates may fluctuate between the time a Transaction is initiated and when it is executed. WeChange does not guarantee any specific exchange rate.

17. Limitation of Liability

To the maximum extent permitted by applicable law:

1. WeChange's total aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Platform shall not exceed EUR 100,000 (one hundred thousand euros);
2. WeChange shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of digital assets, or business interruption;
3. WeChange shall not be liable for any losses arising from:
   • Actions, omissions, delays, or errors by Bridge or any other third party;
   • Blockchain network failures, congestion, or delays;
   • Incorrect wallet addresses or bank account details provided by you;
   • Unauthorized access to your account resulting from your failure to maintain credential security;
   • Regulatory actions taken by any government authority;
   • Fluctuations in cryptocurrency or fiat currency values;
   • Your failure to comply with these Terms or applicable law.

Nothing in these Terms shall exclude or limit liability that cannot be excluded or limited under applicable law, including liability for fraud or willful misconduct.

18. Indemnification

You agree to indemnify, defend, and hold harmless NETSOR International s.r.o., its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Platform or Services;
• Your violation of these Terms;
• Your violation of any applicable law or regulation;
• Your violation of any third party's rights;
• Any Transaction initiated through your account.

19. Termination

19.1 Termination by User

You may terminate your account at any time by contacting us at [email protected]. Termination does not affect any pending Transactions, which will be processed to completion where possible.

19.2 Termination by WeChange

WeChange may suspend or terminate your account immediately, with or without notice, if:

• You breach any provision of these Terms;
• We are required to do so by law, regulation, or court order;
• We reasonably suspect fraudulent, illegal, or unauthorized activity on your account;
• Bridge suspends or terminates your access to its services;
• We discontinue the Platform or Services.

19.3 Effect of Termination

Upon termination, your right to access and use the Platform ceases immediately. Sections of these Terms that by their nature should survive termination (including but not limited to Limitation of Liability, Indemnification, Governing Law, and Disclaimer of Warranties) shall continue in full force and effect.

20. Dispute Resolution and Governing Law

20.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Czech Republic, without regard to its conflict of law provisions.

20.2 Jurisdiction

Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts in Prague, Czech Republic.

20.3 Informal Resolution

Before initiating formal proceedings, you agree to first contact us at [email protected] and attempt to resolve the dispute informally within 30 days.

21. Force Majeure

WeChange shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to: natural disasters, war, terrorism, riots, government actions, power failures, internet or telecommunications failures, blockchain network disruptions, cyberattacks, pandemics, or the failure of third-party service providers (including Bridge).

22. Amendments

WeChange reserves the right to modify these Terms at any time. Changes will be posted on the Platform with an updated effective date.

For material changes, we will make reasonable efforts to notify you via email or through the Platform at least 14 days before the changes take effect.

Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform and close your account.

23. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

24. Entire Agreement

These Terms, together with any policies or documents expressly referenced herein, constitute the entire agreement between you and WeChange regarding the use of the Platform and Services. These Terms supersede all prior agreements, understandings, and communications — whether written or oral — between you and WeChange relating to the subject matter herein.

Your use of Bridge's services is additionally governed by Bridge's own terms and policies, which are separate from and supplementary to these Terms.

25. Contact

For any questions, concerns, or requests related to these Terms or the Platform, please contact us: