PUBLIC OFFER OF THE Storm Finance SERVICE

1. Parties to the agreement.

The agreement is concluded between the internet service for exchanging title units, hereinafter referred to as the Contractor — Storm Finance, on the one hand, and the Customer, in the person of who has applied to the Contractor by creating an electronic request to exchange title units in semi-automatic or manual mode, — on the other hand.

2. List of terms.

2.1. Exchange of title units — an automated internet service product provided by the Contractor based on these rules.

2.2. Customer — a natural person who agrees to the terms of the Contractor and this agreement.

2.3. Title unit — a conventional unit of an electronic payment system, which denotes the scope of rights under the agreement between the system and the user.

2.4. Request — an electronic instruction from the Customer, transmitted to the Contractor, which confirms agreement with the exchange terms and initiates the transaction.

3. Terms of the agreement.

The rules are a public offer. The offer is considered accepted by the Customer upon completion of the request submission. The agreement comes into force from the moment the funds from the Customer are received by the Contractor's details. The request is valid for 3 hours. All request parameters are fixed automatically.

4. Subject of the agreement.

The Contractor undertakes to exchange title units based on the Customer's request. The profit received from the exchange rate remains with the Contractor as a commission fee.

5. IN ADDITION:

• 5.1. If the amount differs by more than 10%, the request may be canceled, and the funds — returned minus the commission.
• 5.2. If the funds are delayed for more than 24 hours — the Customer may terminate the agreement.
• 5.3. If the title units are not received from the Customer on time, the agreement is considered not concluded.
• Storm Finance is not responsible for delays on the part of payment systems.
• In case of an attempt to interfere with the software part of the service — the request is suspended.
• The Contractor's liability is limited to the terms of the agreement.
• The Customer undertakes not to violate the law and not to interfere with the operation of the service.
• The Customer is responsible for errors in the details.
• Requests in case of payment system failures are processed manually.
• Contacts not listed on ratenow.exchange are not official.
• A transaction screenshot is a confirmation of the transfer.

6. Warranty period

The warranty for the services provided is valid for 24 hours from the moment the request is executed.

7. Unforeseen circumstances.

In case of force majeure (natural disasters, war, government actions, etc.), the execution deadlines are postponed. Storm Finance is not responsible for the delay.

8. Form of the agreement.

The agreement is considered concluded in writing upon submission of an electronic request. Changes are published on the ratenow.exchange website and come into force immediately after publication.

9. Identity verification and AML policy.

Storm Finance conducts KYC/AML verification in accordance with the law. The user agrees to provide documents upon request.

9.2. Verification may include a passport, proof of address, a video with documents.

9.3. If suspicious transactions are detected, the service may:

• Suspend the exchange for 14 days
• Request photos, screenshots, videos
• Make a refund only to the original details
• Refuse service
• Withhold funds until the check is completed

10. Claims and disputes.

Claims are accepted only in the form of an email to the official contacts.

11. Conducting exchange operations.

• It is forbidden to use Storm Finance for illegal operations.
• If it is impossible to execute the request within 5–60 minutes, the funds are returned within 24 hours.
• Storm Finance may transfer transaction data to law enforcement agencies.
• 11.4–11.9. The user undertakes to provide documents, not to interfere with the operation of the service, not to use it in arbitration schemes.

12. Rules for receiving cash.

Photo documentation must be provided within 24 hours:

• Type of packaging before counting
• Number of packages
• Photo of the counting

13. Refund policy.

13.1. A refund is possible if:

• The funds were sent from a different name
• The Customer refused verification

13.2. The refund is made to the original details.

13.3. Refund period: up to 24 hours. A commission of up to 5% is possible.

13.4. Already executed requests are not refundable.

14. Taxation.

Storm Finance is not responsible for the Customer's tax obligations. The Customer is responsible for complying with the tax laws of their country.

15. Account blocking.

Reasons for blocking:

• Violation of the agreement
• Incorrect documents
• Use of VPN
• Money laundering
• Multiple accounts
• Complaints without trying to contact us
• Spam

16. Disclaimer.

Storm Finance may suspend service without notice if a violation of the rules is suspected. A notification will be sent to the email. If the user does not respond within 30 days — access may be restricted.

17. List of non-serviced countries.

Storm Finance does not serve:

• Abkhazia
• South Ossetia
• Nagorno-Karabakh
• Northern Cyprus
• Transnistria
• Temporarily occupied territories of Ukraine (Crimea, ORDLO)

18. Personal data protection.

18.1–18.4. Data is protected. Used only within the framework of the agreement. May be transferred to third parties by law.

19. Limitation of liability.

Storm Finance is not responsible for:

• Lost profits
• Actions of third parties
• Technical failures
• Hacker attacks

20. Intellectual property.

All materials on the ratenow.exchange website are the intellectual property of the Contractor. Copying and use are prohibited without written permission.

21. Security procedures.

The Contractor provides protection against attacks and unauthorized access. The user undertakes to use secure devices.

22. Obligations of the parties.

Storm Finance undertakes to provide quality services. The Customer undertakes to provide reliable data. Storm Finance has the right to update the terms, notifying through the website.

23. Responsibility for incorrect data.

The Customer is fully responsible for errors in the details. Storm Finance may suspend the execution of the request until the correct data is received.

24. Changes to the terms.

Storm Finance has the right to change the terms of the agreement. The changes come into force immediately after publication on the ratenow.exchange website. Continued use of the service = agreement with the new terms.