1.General OverviewILERITER sp. z o.o. ensures that Users have the right to request refunds under the terms outlined in this Refund Policy.

This Refund Policy applies solely to Transaction charges and Users' AccountBalances. 

ILERITER sp. z o.o. handles all refund requests with due diligence and professionalism. ILERITER sp. z o.o. commits to providing full support to Users in resolving any disputes related to refunds of purchased digital assets. Refunds exceeding the original payment amount are strictly not allowed.
‍2.DefinitionsBusinessDay: Refers to any dayother than a Saturday, Sunday, or public holiday in Poland when financialinstitutions in the country operate. 
‍Company: Refers to ILERITER sp. z o.o., acompany registered under the laws of Poland ("We", "Us","Our", or in relation to services, "Cryptoramper").
The company is located at BARTYCKA street, 22B, office 21A, 00-716, Warsaw, Polandand is licensed to provide services related to virtual assets. 
‍ProhibitedConduct: Includesfraudulent activities, money laundering, terrorist financing, and any other unlawful behavior. 
‍MoneyLaundering: Defined as the activities specified in Act of 1 March 2018 on measures against the legalization of criminal revenue and financing of terrorism, as amended (AMLAct). 
‍TerroristFinancing: Refers toactivities outlined in Act of 1 March 2018 on measures against the legalizationof criminal revenue and terrorism financing, as amended (AML Act). 
‍Fraud: Any act or omission, includingintentional or reckless misrepresentation, aimed at misleading a party to gain financial or other benefits or avoid responsibilities. 
‍CriminalConduct: Behavior that constitutes an offense under the law, regardless of where it occurred, or would be considered an offense if it took place elsewhere. 
‍User: Any individual or entity that utilizes the services, agrees to the terms and conditions, and holds an account. 
‍FiatCurrency: Legal tenderissued by a central bank or another public authority, which the User sends toor receives from Cryptoramper. 
‍Cryptocurrency: Digital currency that is distinct fromfiat currency, which the User transacts with Cryptoramper. 
‍IssuingBank: The financialinstitution that issued the payment card to the User. 
‍RefundEligibility Criteria: Aset of conditions that must be satisfied for the User to submit a refundrequest. 
‍RefundRequest: The formalrequest made by the User seeking a refund.
Funds: Refers to any funds (including fiat currency and virtual assets such as cryptocurrencies) transferred to and stored in the User’s account (wallet). All other terms and definitions used in this Refund Policy are consistent with the meanings outlined in the Terms of Service. 
‍3.General Conditions A User who has made a payment for the Services, whether by covering the transaction fee or depositing funds into their account (wallet), can request a refund under the terms outlined here.
Refunds will only be considered if the User fully complies with all the Refund Eligibility Criteria. 
If the User does not meet the Refund Eligibility Criteria, the Company reserves the right to deny the refund request at its discretion. 
Submitting a refund request does not guarantee the request will be approved. 
To request a refund, the User must send an email to the Company’s support at: support@cryptoramper.io. 
The Company may review and verify all transactions, operations, and information connected to the refund to prevent any prohibited activities. 
The Company may ask the User to provide specific documents and details, such as identification, a copy of the Payment Card, an Invoice, or any other proof that the disputed payment occurred. 
If the User does not supply the required documents within three (3) days of theCompany’s request, or if there are doubts about the authenticity of the documents, the Company has the right to reject the refund request. 
The Company will process the refund request as soon as reasonably possible. The response time will vary depending on the reason for the request. The Company will inform the User of the result of the refund request within the timelines specified in this policy.
 4.Additional Refund Conditions Ifthe Company is unable to fulfill the User's Cryptocurrency Purchase order, theCompany will inform the User and, if possible, provide reasons for the refusalalong with guidance on how to rectify any factual mistakes.
However, the Company may withhold this notification if doing so would violate the law.
The Company will return the User's Fiat Currency to the payment account from whichit was originally sent, provided that applicable laws allow for such a refund. Ifany Third-Party Service providers discontinue offering their services to the Company under reasonable terms, the Company may stop offering those features tothe User without granting a refund, credit, or any other form of compensation. 
‍5.RefundWithout affecting other sections of this Refund Policy, the User acknowledges that due to the nature of cryptocurrency markets, all transactions are final and cannot be reversed.
The User accepts that if cryptocurrency is sent to an incorrect account (wallet)address, the Company cannot offer support or issue a refund, as the Company has no control over the User’s wallets or any addresses where the User sends their cryptocurrency.
The User recognizes that they are solely responsible for staying alert to potential fraud or mistakes and for safeguarding their private key.
The Company will not issue refunds if the User suffers from fraud, mistakes, or the loss of their private key.
In the event that the User’s transaction fails or is cancelled for any reason, the Company will refund the User.
Refund requests will only be considered if the Company receives the request no later than forty-eight (48) hours after the transaction took place.
The User must submit the refund request to the Company at the provided email address, including the following information:  
- Complete details of the transaction;  
- Subject of the refund request;
- Explanation of the reasons for the refund request;  
- Contact information;
- Supporting documents (proof);
- Any other information the User considers relevant to the refund request.
The refund request should be emailed to the Company’s specified address, as outlined in this section, with the subject line "Refund Request."For further inquiries about the Refund Policy, the User should contact the Support Team via the email address mentioned in this section.
‍6.Processing TimelineWithin three (3) Business Days of receiving the Refund request, the Company will contact the User to request any necessary additional documents and information.
The User must provide these as soon as possible, but no later than three (3)Business Days after the request, unless otherwise specified in this RefundPolicy. 
TheCompany will inform the User of its final decision regarding the Refund via email. 
If the Company agrees that the User qualifies for a refund, the refund will be processed as soon as reasonably possible. 
TheUser acknowledges that, depending on their bank, the refund process may take up to ten (10) Business Days or possibly longer.
If the User has not received their funds after this period, they should contact the Company at support@cryptoramper.io.To expedite the process, the User may also contact their bank directly, as theCompany has no ability to speed up the banking process. 
No refund will be issued under the following circumstances:·     Ifthe User fails to provide the requested information or documents within the stipulated timeframe; and/or·     If the Company suspects that the User has engaged in, or been involved in, fraudulent or illegal activities, including Prohibited Conduct. TheCompany reserves the right to freeze the User's Funds during the Refund investigation, meaning the Funds may be temporarily inaccessible. 
TheCompany may, at its sole discretion, extend the time for the Refund investigation if the User delays in providing the requested documents and information without a valid reason.
‍  7.Chargebacks and Miscellaneous The User acknowledges that there are no chargebacks for cryptoprocessing, and all blockchain transactions are final and cannot be reversed. TheCompany encourages the User to contact them directly using the provided contact details to address any issues or concerns related to payments or transactions before submitting a Chargeback request.This section does not impact any rights or claims the User may have with their bank or financial institution. TheCompany will thoroughly investigate any Chargeback requests made by the User. During the Chargeback investigation process, the Company reserves the right to suspend the User's account and lock their Funds. If the User chooses a Payment Method that allows for chargeback rights (e.g., with a credit card), the User agrees to exercise this right only if:·     TheCompany has breached the Terms of Service; and/or·     TheUser’s payment instrument was used without authorization. If the Company is required to investigate or take action in response to a chargeback initiated by the User, the Company may charge the User for the costs incurred during the investigation. 
‍8.Other conditions Any fees or charges incurred during the refund process will be the sole responsibility of the User and will be deducted from the refund amount. 
This Refund Policy will be updated as necessary to comply with changes in the law.
The terms and conditions are subject to change by the Company, and any updates will be announced accordingly. 
Changes to the policy will take effect after the Company provides notice to the User. 
If the User does not agree with the revised Refund Policy, they should discontinue using the Company’s services. By continuing to use the Company’s services after the changes come into effect, the User agrees to be bound by the new Refund Policy.

Last revised: September 20, 2024