Our site is operated by Chainge Tech Ltd, under company number 2048331 and has our registered office at Craigmuir Chambers Road Town, Tortola, VG 1110, British Virgin Islands. We are currently developing a financial application operating with a new virtual currency (token) called CHNG that shall be released soon.

Before the application is released, users will be asked to perform several tasks on the website, such as joining a waiting list, telling about us (referrals) to friends or simply building their profile. None of these tasks are mandatory, but for each task, the user will be rewarded with a specific amount of points. The ratio between a point and a CHNG token is 1:1. All the points collected on the website will be transformed into CHNG tokens at the application’s release.

At this moment, the points and tokens do not have an economic value, but after the application is launched, the CHNG tokens will have variable values on the market, depending on its demand and supply, aspects which are independent from us.

Also, the maximum supply of CHNG tokens shall be determined as being 10 times all points accumulated by all users by the day the application is out.

The user`s account is a virtual one and the accumulated points have NO financial value at this moment.

Users will sign in in a simple manner, by connecting one of their social media platform accounts or their email account to our website. When the users sign in with Telegram, they will receive an email, too, with a link to confirm their identity.

Users can close their account by sending an e-mail at the following address official@chainge.finance. We will deactivate it and delete all the information in no more than 30 days since receiving the user's request, except for information we are legally bound to keep.

This agreement is personal to users which sign in to our website and any person cannot transfer any rights or obligations including tokens or points under it to anyone else.

The points are non-transferable to other accounts or in other platforms, websites, apps, so, if the account is closed by us or by user’s will, all points and tokens earned on the website until that time, will be lost.

We use Fusion network (learn more about it here). But, thanks to Fusion’s brilliant tech and DCRM cross chain technology, CHNG tokens will easily and smoothly be routed to Ethereum Network or BSC (Binance Smart Chain — read more about it here).

In order to keep your account safe, please do the following:

Your information must remain undisclosed to any third party. Contact us, as soon as possible, if you have any suspicion that your security details could be used without your permission.

You may contact us at any time by sending an e-mail to the following address: official@chainge.finance. Whether you know or suspect any suspicious activity regarding your account or you know that your information could or may have been disclosed, do not hesitate to use the provided address to contact us immediately. In order to take appropriate measures to help you secure your account once again, you must act swiftly.

The safety of your account is important to us. We might prevent you from accessing your account if we're reasonably concerned about its security or that it might be used fraudulently or without your permission.

We might also have to block your account to meet our legal or contractual obligations.

We'll tell you through your account before or as soon as possible after we block it. We'll also let you know why we've done it (unless it would reduce your or our security or it would be unlawful).

We may close your account immediately and end your access to our website, in exceptional circumstances. Exceptional circumstances include the following:

You are not allowed to use bots or multiple accounts in order to gather more points on our website. We have implemented a serious way to prevent this and if we detect such activity, it shall be treated as fraudulent. In case of multiple accounts, we may offer you for a limited period of time the possibility to merge your accounts in order for one individual to stay with the points earned with the account chosen otherwise all accounts shall be closed.

We may also decide to close your account for other reasons. We would contact you through your account at least 5 days before we do this.

Closing your account and ending the agreement may also end any other agreements you have with us or through us. You can get more information through your account or by contacting us.

Here you may find our Privacy Policy, which applies by simply accessing our website.
However, by entering into the agreement, you are giving us permission to gather, process and store your personal information for the purpose of providing our services to you. This doesn’t affect any rights and obligations you or we have under data protection law.
You can withdraw your permission by closing your account, which will end the agreement between you and us. If you do this, we’ll stop using your information for the purpose of providing our services.

Our products (the content of our website, logo, design etc.) are protected by law and any infringement shall be treated as a breach of your contractual obligations, leading to a termination of our agreement. Any reverse-engineering of our products (that is, reproduce them after a detailed examination of their construction or composition) shall be considered as an infringement.

Even more so, you may not use our company logo, website, design, information regarding the product for commercial purposes without the right to do so. Although you may link to our website’s home page, you are obliged to make sure that linking to our website is for a fair and completely legal action that does not affect our reputation nor does it bring any such damage. Any links to our website must contain a disclaimer that you are not affiliated to us, nor have our approval or any other partnership. We may at any time remove linking possibilities.

The information we provide on our website and our social networks consists of our official communication. These platforms as well as newsletters provide general information only.

Although we make efforts to keep the information updated we are not responsible for information found on other media platforms or channels.

Also, the platform may contain links to websites operated by third parties. We provide these links to other websites for your convenience but accessing and/or using them is at your own risk. The sites are not under our control and we are not responsible for their content. These links do not imply endorsement by us of the information or materials on any other site and we disclaim any responsibility for your access to and use of these linked websites.

Furthermore, we decline any responsibility in case you lose control of any of your accounts used for signing in to our website or linked in any way to it.

The fortuitous event presupposes the existence of a situation which totally or partially prevents the performance of the contract, and may be determined by causes such as:
a) loss of the database for reasons beyond our control;
b) damage to the computer’s data storage system;
c) attempted fraud by electronic means or other means.

The conditions of notification in case of fortuitous event, as well as all legal effects are those presented in the chapter on Force Majeure.

We shall not be liable for any disruption or impairment of our service or for disruptions or impairments of intermediary services on which we rely for the performance of our obligations hereunder, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected.

We shall not be liable for any indirect or consequential losses including but not limited to loss of profit, loss of savings, loss of business and loss of reputation. We shall not be liable for any losses arising from our compliance with legal and regulatory requirements.

An event of force majeure exempts the affected Party of the total or partial fulfillment of obligations under this agreement, provided that the Party affected by the event of force majeure respects the provisions of this chapter.

For purposes of this Agreement, an event of force majeure shall mean any insurmountable event that cannot be controlled or predicted by the affected Party, including but not limited to fire, earthquake, flood or war and that prevents the affected Party to totally or partially fulfill its obligations under this agreement. Legislative changes cannot be considered force majeure events.

The affected Party shall notify the other Party of the event of force majeure within three (3) days from the occurrence thereof and in no later than two (2) weeks will present a certificate from the Chamber of Commerce or other competent authority attesting this event. The affected Party shall notify the other Party promptly and in any event within 24 hours of the termination of the force majeure event.

An announcement made on our website shall be considered valid as notification of the event of force majeure under this chapter. The affected Party will do its utmost to fulfill its other obligations not affected by the force majeure event. If the force majeure event lasts more than three (3) months, then the other Party is entitled to consider the contract terminated, without being able to claim damages.

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of where our headquarters is located.

These Terms and Conditions are drafted in English. By creating your account, you expressly declare that either you fully understand English, or you have received help to understand it.

If these Terms and Conditions are translated into another language, the translation is for reference only and the English version will apply.

We will communicate to you in English and will always accept communications made to us in English. You can choose your preferred language from the list of supported languages in your Chainge Account profile and we will send you automated email notifications and communications regarding changes to these Terms and Conditions in your chosen language. For non-standard communication, we reserve the right to communicate with you in English. Documents or communications in any other languages are for convenience only and shall not constitute an obligation on us to conduct any further communication in that language.

Our notifications to you shall be sent through your account, in case of private notifications, or by simply announcing this on our website, in case of public notifications.

Your notifications to us shall be sent to this e-mail: official@chainge.finance

This agreement shall terminate in the following situations:
a) if provided by law;
b) by closing your account by us or by yourself;
c) by failing to respect your obligations under this agreement or when this sanction is expressly mentioned in these Terms and Conditions. Termination will operate by sending you a notification, will operate de jure, without Court intervention, without any other formalities and without the possibility of granting a grace term. Notification shall state the violated contractual obligation and shall immediately enter into force.

These Terms and Conditions govern the opening, use and closure of your Chainge Account and other related payment services as referred to herein. Together with any other terms and conditions referred to in these Terms and Conditions, they constitute the agreement between you and us. For the use of additional services, you may have to accept additional terms and conditions as notified to you when you are ordering or using such services. You are advised to print or download and keep a copy of these Terms of Use for future reference. You can always view the current Terms of Use on our Website.

If we add a new product or service that doesn't change the Terms and Conditions of your account, we may add the product or service immediately and let you know before you use it.

We'll only change these Terms and Conditions for the following reasons:

Otherwise, we'll give you 15 days' notice through our website before we make any change. We'll assume you're happy with the change unless you tell us that you want to close your account before the change is made.

If any provision of this agreement becomes illegal, invalid or unenforceable under any enactment, clause or part of that clause will be considered as not being part of this agreement while the legality, validity or enforceability of the remaining clauses of this agreement will not be affected, and the Parties will negotiate in good faith to replace the illegal, invalid and/or unenforceable clause with another clause to keep as much as possible the meaning of this agreement.

You expressly declare that they acknowledged all clauses (especially Chapters), that you have read them, understood them and expressly accepted them and that these clauses have been subject to direct negotiation.

Users can deposit any amount, but the minimum deposit amount to get interest is 0.01 for BTC and 500 for USDT.

Withdraw requests that come after 04:00AM GMT will be executed the next day at 08:00AM GMT. All others will be executed within the same day.

Chainge provides a $50 Deposit Bonus for the first 1,000 depositors who deposit no less than 0.01BTC or 500 USDT. The bonus is only withdrawable in Chainge app after it is official released. Each user is eligible for this bonus once. And a user will lose his bonus if his deposit balance is lower than 500 USDT and 0.01 BTC at the same time.

The APY (Annual Percentage Yield) for BTC deposits is 8.32% as a compound rate, the yield only starts calculation when balance is no less than 0.01BTC. In addition to the APY, Chainge provides 1 CHNG Reward for every 0.000002 BTC the user earns.

The APY (Annual Percentage Yield) for USDT deposits is 16.18% as a compound rate, the yield only starts calculation when balance is no less than 500 USDT. In addition to the APY, Chainge provides 1 CHNG Reward for every 0.1 USDT the user earns.

Withdrawals are supposed to be executed daily around 8 am GMT.

Deposits for users which are in the blacklist will not be credited. A user can get into the blacklist if we identify they created multiple accounts and try to fraud the system. Read more about usage terms in point III above (Legal Terms).

The yield a user earns is withdrawable the next day after 8am GMT.

The APY is not a guaranteed return, but an estimation according to law. And Chainge keeps rights to adjust it when necessary.

You consent that it’s legal in your country to deposit and earn. And you confirm that all BTC/USDT you deposit are your lawful income. The fund which is related or suspected to be related to crime income would be suspended from withdrawal if requested by police department.

We reserve the right to ask for your KYC when you withdraw in the future if it is required by the government of your country.

You agree you will cooperate the crime investigation with the police if your deposit is suspected to be related to a crime.