ChangeNOW Mobile Terms

Please read these Terms carefully. If you do not agree with these Terms or any of their clauses, you must immediately stop using the App.

These Mobile Terms apply only to the CHN Mobile applications on App Store and Google Play. In case of any conflict with the Website Terms (terms published on https://changenow.io), these Mobile Terms prevail for the mobile apps.

1. General Provisions

1.1. These Terms regulate the use of the CHN Mobile applications (the “App”).

1.2. Terminology:

“User/You”- means both business and consumer users of the App; “CHN/We” - CHN Group LLC (Saint Vincent and the Grenadines); “Digital Assets/Crypto Assets” - blockchain-based entries; “Exchange” - means the swap of a crypto asset for another or the same one crypto asset, or the conversion of a fiat currency to cryptocurrency and vice versa. Definition may be specified more clearly in the terms of third-party providers integrated in the App who execute the respective operations.

1.3. Nature of service. The App is a non-custodial interface/aggregator providing access to blockchain-based tools and to third-party services for crypto-to-crypto and fiat-to-crypto operations. CHN does not store, manage or control Users’ funds and is not a counterparty to Users’ transactions.

1.4. The current version of these Terms is available in-app and may be updated from time to time.

2. Using of Services

2.1. By using the App, you confirm that you are responsible for compliance with applicable laws and these Terms.

2.2. Blockchain utilities. The App may provide access to: WalletConnect (self-custody connection to third-party wallets/apps) and other blockchain-related informational features. These are provided for convenience and do not constitute financial, investment or custodial services. All blockchain activities are managed directly on the blockchain, and any data you interact with remains under your control. The App leverages blockchain technology to provide decentralized features. These functions are powered by blockchain networks, and all interactions are publicly recorded on the blockchain. Please ensure You understand how these functions work, as they are not reversible once initiated.

2.3. No rates/returns provided by CHN. Any pricing, exchange rates, confirmations, refunds, execution terms and other commercial conditions are set and governed exclusively by the respective third-party provider (see sections below for more information about third-party providers).

2.4. No financial services. CHN does not offer any financial services, and You should not consider any features of the App as an investment, trading, or financial tool operated by CHN. Any tokens or digital assets You use are Your sole responsibility.

2.5. In-app notices. Before confirming any operation, the App displays a clear notice that the operation is executed by a third-party provider. Users agree to the App’s Terms of Service, Privacy Policy, and Risk Disclosure upon sign-in.

3. Third-Party Licensed Providers (Execution of Transactions)

3.1. The App integrates independent third-party providers, including BANXA.com Pty Ltd, Guardarian OÜ, and Transak Limited, which facilitate certain fiat and crypto-related operations. The list may be updated from time to time.

3.2. All exchanges, purchases, sales, storage/custody are performed by such providers under their own licenses and terms.

3.3. CHN is not a counterparty, does not receive or hold user assets, and is not responsible for third-party execution, rates, availability or refunds.

3.4. You must review the applicable third-party terms before proceeding.

4. AML/KYC Procedure

4.1. The App itself does not require account creation. However, third-party providers, if their services are required/used for the respective operations, may conduct AML/KYC under their own policies and licenses.

4.2. Any identity data collection, verification windows, and outcomes (including possible freezes/refusals) are handled by the respective provider.

4.3. CHN does not collect or store Users’ identification documents for transaction execution in the App.

5. Personal Data

5.1. By using the App, you allow CHN to process minimal technical data required for the App operation in line with our Privacy Policy available in the App.

5.2. Transaction-related data (including KYC/AML data) is processed by third-party providers according to their privacy policies.

5.3. CHN may disclose certain technical data as required by law or to prevent fraud/abuse.

6. Prohibited Jurisdictions

6.1. Access to the App or certain operations in the App may be restricted/blocked in case of the respective statutory limitations introduced in the applicable jurisdictions or upon receipt by CHN of a lawful order from competent authorities. The App is not available in the United Kingdom, and in any country where the use of such services is prohibited by law or subject to sanctions.

6.2. By accessing and using the App, You represent and warrant that You are not located in, or are not a citizen or resident of the United Kingdom, or any country listed on the United Nations Sanctions Lists and their equivalents, or a country where use of cryptocurrency is prohibited by applicable law.

6.3. CHN may restrict access based on IP, geolocation or other methods. You are to comply with this Section even if such methods can be bypassed.

7. Disclaimers

7.1. THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”. CHN DOES NOT WARRANT UNINTERRUPTED ACCESS, ACCURACY OF THIRD-PARTY DATA, OR AVAILABILITY/PERFORMANCE OF THIRD-PARTY SERVICES.

7.2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CHN MAKES NO EXPRESS OR IMPLIED WARRANTIES REGARDING THE APP, ANY REFERENCED SERVICES OR EXTERNAL WEBSITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY AND RELIABILITY.

7.3. NO FINANCIAL OR INVESTMENT SERVICES. THE APP DOES NOT PROVIDE INVESTMENT ADVICE, DOES NOT OFFER YIELDS, RETURNS OR DEPOSITS, AND DOES NOT GUARANTEE PROFITS.

7.4. ANY REFERENCES TO THIRD-PARTY SERVICES, RATES OR TOKENS ARE INFORMATIONAL. USERS ACT AT THEIR OWN RISK.

7.5. DIGITAL ASSETS OPERATIONS (SUCH AS OPERATIONS SPECIFIED IN THESE TERMS) INVOLVE A SIGNIFICANT RISK OF FINANCIAL LOSS. YOU SHOULD REVIEW THE RISK DISCLOSURE PROVIDED IN THE APP BEFORE CONTINUING TO USE IT.

8. Limitation of Liability

8.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHN WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, LEGAL FEES OR LOSSES.

8.2. THIRD-PARTY EXECUTION. CHN BEARS NO LIABILITY FOR EXECUTION, PRICING, REVERSALS, REFUNDS, DELAYS OR FAILURES OF THIRD-PARTY PROVIDERS, INCLUDING BUT NOT LIMITED THEIR COMPLIANCE WITH THE APPLICABLE LAWS OR REQUIREMENTS OF RELEVANT AUTHORITIES.

8.3. AGGREGATE LIABILITY OF CHN TO YOU FOR ALL CLAIMS RELATING TO APP SHALL NOT EXCEED EUR 500.

9. Permissible Use

9.1. You agree not to use the App for illegal activities or to impair the App’s operation.

9.2. You shall not misrepresent your identity, attempt to bypass geo-restrictions, or use automated scraping tools.

9.3. If You are a business, You represent and warrant that You are legally authorized to act on behalf of the business entity and that all actions taken through the App are for legitimate business purposes. If You are a natural person, You represent and warrant that Your use complies with all applicable laws and regulations in Your jurisdiction. You acknowledge the limitations and rules governing the use of the App, and You agree to act within the scope of Your legal rights, including any age-related restrictions in your jurisdiction.

10. Termination

10.1. CHN may suspend or terminate access to the App without prior notification for security, compliance or in case of Your breach of these Terms and without liability.

10.2. Certain provisions of these Terms, including those related to liability, disclaimers, governing law, and general clauses (Sections 2–9 and 12–20), will continue to apply after termination.

11. Modifying the App

11.1. CHN may add, change or remove features without prior notice, including integrations with third-party providers.

12. Governing Law and Arbitration

12.1. These Terms are governed by the laws of Saint Vincent and the Grenadines.

12.2. The parties submit to the exclusive jurisdiction and venue of the competent courts of Saint Vincent and the Grenadines.

12.3. Services provided in the Kyrgyz Republic may be rendered through CJSC AimTech (licensed VASP) in compliance with local law.

13. Links to Third-Party Sites

13.1. The App may contain links to third-party sites. CHN does not control or endorse their content and is not responsible for their policies or services.

13.2. Once you follow a link to a third-party site, your relationship is with that third party, not with CHN.

14. Copyright & IP

14.1. Using the App does not grant you rights to CHN’s IP or software.

14.2. Materials in the App are protected by applicable IP laws.

15. Modifications of these Terms

15.1. CHN may update these Terms by changing the “Last updated” date. Updates take effect upon posting in the App. Continued use constitutes acceptance.

16. Assignment

16.1. CHN may assign its rights/obligations under these Terms.

16.2. Users may assign their rights only with CHN’s prior written consent.

17. Entire Agreement

These Mobile Terms constitute the entire agreement regarding the App and supersede prior understandings related to the App.

18. Severance and Validity

If any provision is invalid or unenforceable, it will be replaced by a valid provision reflecting the original intent; the remainder remains in force.

19. Costs

CHN may recover reasonable administrative costs caused by user-initiated issues not arising from CHN’s fault.

20. Miscellaneous

Nothing in these Terms creates a partnership, agency or joint venture. CHN may engage third parties to fulfil its obligations related to the App.