1. Introduction
CAMBIOSALDO Overview
CAMBIOSALDO is a company specialized in currency exchange, including electronic currencies, fiat currencies and cryptocurrencies. We are committed to offering an efficient and secure service so that our clients can carry out transactions with complete confidence, in addition to providing investment opportunities through financial products with fixed rates of return and defined time periods. CAMBIOSALDO focuses on providing accessible and transparent solutions for those interested in optimizing their currency exchanges and investments within a globalized and constantly evolving market.
Purpose of the Terms and Conditions
These terms and conditions (hereinafter, "Terms") are intended to regulate the use of the services offered by CAMBIOSALDO, including currency exchange and investment products. These Terms establish the rights, obligations and responsibilities of both CAMBIOSALDO and its clients when using our platform and services. By accessing our services, clients agree to be bound by the policies described herein, which have been designed to ensure a safe and efficient environment for all parties involved.
Acceptance of Terms
The use of the services provided by CAMBIOSALDO implies the full and unreserved acceptance of these Terms by the client. Before using any of our services, it is recommended that the client read these Terms carefully. If the client does not agree with any part of them, he/she should refrain from using the platform and the services offered. CAMBIOSALDO reserves the right to modify these Terms at any time, and any changes will be notified to clients through the appropriate channels. The continued use of our services after the modification of the Terms will imply the acceptance of the changes by the client.
2. Definitions
For the correct understanding of these terms and conditions, the key concepts used in the service offered by CAMBIOSALDO are defined below:
Electronic Currency:
Digital representation of monetary value that is issued, stored and transferred electronically. It is not necessarily equivalent to a cryptocurrency, as it can be backed by a financial entity and have equivalence with fiat currencies. Electronic currencies are used for online transactions and can be exchanged for goods, services or fiat currency.
Cryptocurrency:
Digital asset based on blockchain technology that uses cryptography to ensure secure transactions and the creation of new units. Cryptocurrencies are decentralized and are not controlled by any central authority, which differentiates them from fiat currencies. Examples of cryptocurrencies include Bitcoin, Ethereum and Litecoin.
Fiat Currency:
Physical currency issued by a government, which is not backed by a physical asset such as gold, but by the trust and credit of the issuing government. Examples of fiat currency include the US dollar (USD), the Euro (EUR), the Mexican peso (MXN), among others.
Currency Exchange:
Service offered by CAMBIOSALDO that allows users to exchange one currency for another, whether between electronic currencies, cryptocurrencies or fiat currencies. The exchange value is based on the market rates in effect at the time of the transaction.
Fixed Profitability:
Predefined rate of return that CAMBIOSALDO offers to clients who invest through its services. This means that investors will receive a pre-established profit rate over a fixed period of time, regardless of market fluctuations or the performance of other financial assets.
Investment Period:
Time during which the client's funds remain invested with CAMBIOSALDO under the agreed terms. At the end of this period, the client may withdraw his investment along with the returns obtained or reinvest in new opportunities, as stipulated in the investment contract.
KYC (Know Your Customer):
Mandatory procedure that CAMBIOSALDO follows to verify the identity of its clients. This process is carried out to prevent illicit activities such as money laundering or terrorist financing, complying with international and local regulations.
AML (Anti-Money Laundering):
Set of policies and regulations that CAMBIOSALDO implements to detect and prevent money laundering and other illegal financial activities. These measures include the identification and monitoring of suspicious clients and transactions.
Exchange Commission:
Charge that CAMBIOSALDO applies to each currency exchange transaction. This commission may vary depending on the type of currency being exchanged, the volume of the transaction and other market conditions.
Available Balance:
Amount of funds that the client has available in their account at CAMBIOSALDO to carry out exchange transactions or invest in the financial products offered. The available balance may be in electronic currencies, cryptocurrencies or fiat currency.
Cancellation Policy:
Conditions under which a client can cancel an exchange or investment transaction with CAMBIOSALDO. It may include penalties or fees depending on the time and stage of the transaction.
Interest Rate:
Percentage that CAMBIOSALDO offers its clients on the invested capital as part of fixed-return investment products. The interest rate may vary depending on the investment period and the currency used.
Market Volatility:
Measure of the variation in the price of an asset (in this case, electronic currencies, cryptocurrencies and fiat) over time. Higher volatility implies that prices can rise or fall rapidly in a short period. CAMBIOSALDO clients should be aware that some cryptocurrencies and electronic currencies may be subject to high volatility.
Two-Factor Authentication (2FA):
Security mechanism implemented by CAMBIOSALDO that requires two forms of verification to access the client's account. In addition to the password, a second form of identification is requested, such as a code sent to the client's mobile phone, to protect their funds and personal data.
Withdrawal Time:
Estimated time taken by CAMBIOSALDO to process and complete a withdrawal requested by the client. Withdrawal times may vary depending on the withdrawal method selected and the type of currency involved (electronic, fiat or cryptocurrency).
Liquidity:
Capacity of an asset or investment to be quickly converted into cash without affecting its price. CAMBIOSALDO guarantees that certain assets, such as fiat currencies, have high liquidity, while some cryptocurrencies or electronic currencies may have lower levels of liquidity depending on the market.
Wallet (Digital Wallet):
Application or device that allows clients to store, send and receive cryptocurrencies securely. CAMBIOSALDO offers support for transfers to and from external cryptocurrency wallets, but clients are responsible for managing the security of their own wallets.
Early Cancellation Penalty:
Amount that CAMBIOSALDO may charge if a client decides to cancel their investment before the agreed deadline. This amount is deducted from the returns or invested capital, and is designed to compensate for failure to comply with the original investment terms.
Investment Contract:
Legal agreement between CAMBIOSALDO and the client detailing the terms and conditions of an investment, including the rate of return, investment period, reinvestment and withdrawal policies, and early termination penalties.
Inactivity Fee:
Fees applied to client accounts that have not made any transactions or activity for an extended period. CAMBIOSALDO may impose inactivity fees to cover the administrative costs of maintaining unused accounts.
Blockchain Protocol:
Underlying technology that supports cryptocurrency transactions. Blockchain is a distributed and decentralized ledger that ensures the transparency and security of transactions made on the network.
Cryptocurrency Address:
Unique alphanumeric identifier representing the digital location where a client can receive cryptocurrency. Cryptocurrency addresses work like a bank account number, but for cryptocurrency transfers.
Private Key Recovery:
Process by which CAMBIOSALDO clients can restore access to their cryptocurrencies in case they lose the private key associated with their wallet. CAMBIOSALDO does not store clients' private keys, so their recovery is the responsibility of the user.
3. Customer Registration
3.1 Requirements to register as a customer
In order to access the services offered by CAMBIOSALDO, users must meet the following requirements:
- Minimum age: Customers must be at least 18 years old to register and use the platform.
- Residence: CAMBIOSALDO reserves the right to restrict the registration of users from certain jurisdictions due to local regulations. It is the customer's responsibility to ensure that their activities on CAMBIOSALDO comply with local laws.
- Personal information: The customer must provide valid and complete information, including full name, email address, telephone number, physical address and any other information requested during the registration process.
- Identity verification: All customers must go through an identity verification process, described in section 3.2.
3.2 Identity verification process (KYC - Know Your Customer)
CAMBIOSALDO, in compliance with international financial security and money laundering prevention regulations, has implemented an identity verification process known as KYC (Know Your Customer). This process aims to validate the identity of the client to ensure legitimate use of the exchange and investment services. The KYC process will include the following steps:
Submission of documents: The client will be required to provide clear digital copies of the following documents:
- Valid identity document (e.g. passport, ID card or driver's license).
- Recent proof of address (utility bill, bank statement or any official document proving residency).
- Additional verification: In some cases, CAMBIOSALDO may request a video call or a photo of the client holding their identity document for additional verification.
- Processing time: The identity verification process may take between 24 and 72 hours, depending on the complexity of the request and the accuracy of the documents provided.
- KYC Result: CAMBIOSALDO reserves the right to approve or reject a client's registration based on the results of the identity verification. In the event of a rejection, the client will be informed of the reasons and, if possible, will be provided with the opportunity to resubmit the required information.
3.3 Client's responsibilities regarding the veracity of the data
By registering with CAMBIOSALDO, the client accepts the following responsibilities regarding the accuracy and veracity of the data provided:
- Accurate data: The client guarantees that all information provided during registration and any subsequent updates is true, accurate and complete. In the event of changes in personal data (e.g. change of address or telephone number), the client must update his/her information as soon as possible through his/her user profile.
- Consequences of falsification: CAMBIOSALDO reserves the right to suspend or close any account if the data provided is found to be false, misleading or incomplete. The use of false information may lead to the cancellation of all associated services and the retention of funds, in case of pending transactions.
- Confidentiality of credentials: It is the client's responsibility to protect the confidentiality of their access credentials to the platform. CAMBIOSALDO is not responsible for losses or damages arising from unauthorized access to the client's account due to negligence in protecting login credentials.
4. Services Offered
4.1. Description of the electronic, fiat and cryptocurrency exchange services
CAMBIOSALDO offers its clients a fast and secure service for conversion between various currencies, including electronic currencies, fiat currencies (traditional currencies) and cryptocurrencies. Services include:
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E-Currency Exchange: This service allows customers to convert popular e-currencies, such as PayPal, Neteller, Skrill, among others, into fiat currencies or cryptocurrencies, depending on their needs.
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Fiat Currency Exchange: CAMBIOSALDO facilitates the exchange between different fiat currencies, such as US Dollars (USD), Euros (EUR), Mexican Pesos (MXN), and other local currencies, by providing competitive exchange rates and transparent fees.
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Cryptocurrency Exchange: Customers can exchange cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), among others, for fiat or e-currencies, and vice versa. CAMBIOSALDO guarantees a safe and simple process, supported by a platform that follows the best security practices in the industry.
Each exchange transaction is carried out within a framework that ensures the best exchange rate available at the time of the transaction. The fees and commissions applicable to exchanges will be clearly communicated to the client before the client confirms the transaction.
4.2. Fixed return investment services
CAMBIOSALDO offers its clients the opportunity to make investments with fixed return rates. These services are designed to provide security and stability to investors seeking to make profits over a predetermined period, without depending on market volatility.
- Fixed Return: Clients can invest a specific amount of money (in fiat, electronic or cryptocurrency currencies) and receive a fixed return at the end of the investment period, previously established. The rate of return is agreed upon at the beginning of the investment and will not be affected by the volatility of the investment. affected by market fluctuations.
4.3. Details on investment periods and rates of return
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Investment Periods: CAMBIOSALDO offers various investment periods, ranging from short terms of 30 days to longer terms of 180 days. Clients can choose the term that best suits their financial needs and investment objectives.
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Rates of Return: Rates of return vary depending on the amount invested, the type of currency (fiat, electronic or cryptocurrency) and the chosen investment period. These rates are fixed, and CAMBIOSALDO undertakes to respect the agreed percentage regardless of market conditions.
For example:
- Short-term investments(30 days): rate of return between 2% monthly.
- Medium-term investments(90 days): rate of return between 9% quarterly.
- Long-term investments(180 days): rate of return between 21% semi-annually
CAMBIOSALDO guarantees that, at the end of the investment period, the client will receive their invested capital plus the interest generated, according to the rate agreed at the beginning. Investments are subject to the conditions and policies described in the relevant section on payments and withdrawals.
This approach allows clients to obtain predictable profits and plan their finances with greater security, knowing that their capital is protected under CAMBIOSALDO's conditions.
5. Applicable Fees and Commissions
CAMBIOSALDO applies transparent and competitive fees on each currency exchange. These fees are applied as follows:
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Basic Exchange Fee:
- Each exchange made on the platform has a fixed fee that is charged on the total amount exchanged. This fee varies depending on the type of currency exchanged (electronic currencies, fiat or cryptocurrencies).
- The fee will be visible in the transaction summary before confirming the trade.
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Additional Fees:
- In some cases, there may be additional fees associated with network costs (especially in the case of cryptocurrencies), which are charged by blockchain providers and not directly by CAMBIOSALDO. These fees will also be displayed in the summary before the transaction is confirmed.
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Volume Discounts:
- CAMBIOSALDO offers discounts on fees for those clients who make large exchange volumes. Reduced fees are automatically applied based on the transaction amount.
5.1.Transaction Limits (Minimum and Maximum)
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Minimum Transaction Limit:
- CAMBIOSALDO sets a minimum limit for exchange transactions in order to ensure that the process is viable and efficient. This limit varies depending on the type of currency and is indicated on the platform before the client starts the exchange.
- In general, the minimum limit for fiat and electronic currencies is $50 USD or its equivalent in the selected currency. For cryptocurrencies, the minimum limit will be equivalent to $20 USD.
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Maximum Transaction Limit:
- Maximum transaction limits are in place to ensure security and compliance with financial regulations. Clients can exchange a maximum value of $100,000 USD or its equivalent per day. For verified clients with higher transaction volumes, this limit may be increased upon request and approval by the support team.
- CAMBIOSALDO reserves the right to adjust these limits based on local regulations and internal risk control policies.
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6. Responsibility of the Parties
6.1. CAMBIOSALDO's Responsibilities Towards Its Clients
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Compliance with the Services Offered: CAMBIOSALDO undertakes to provide the currency exchange and investment services with fixed profitability in accordance with the terms specified in this document and in the company's commercial policies.
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Security of Transactions: CAMBIOSALDO must guarantee the protection and security of all transactions carried out on its platform, using technological measures and state-of-the-art encryption protocols to secure clients' information and funds.
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Confidentiality of Data: CAMBIOSALDO is responsible for protecting the privacy and confidentiality of its clients. personal and financial data provided by its clients, in accordance with applicable data protection laws and its privacy policy.
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Transparency in Fees and Conditions: CAMBIOSALDO must provide clear and precise information on the fees applicable to exchanges and investments, as well as on the conditions of the transaction. as well as the fixed profitability periods and the conditions associated with each product or service.
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Technical Assistance and Support: CAMBIOSALDO is committed to offering an efficient, accessible and timely customer service to resolve questions, incidents or technical problems that may arise in the use of its platform or in relation to the services provided.
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Legal and Regulatory Compliance: CAMBIOSALDO is committed to operating under local and international regulations regarding the prevention of money laundering (AML), terrorist financing (CFT), and to comply with current regulations in the jurisdictions where it offers its services.
6.2. Client Responsibilities Towards CAMBIOSALDO
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Provision of Accurate Information: The client is responsible for providing accurate, truthful and up-to-date information during the registration process and when making any transaction or investment. Any omission or falsification of information will be the responsibility of the client and may be subject to may result in account cancellation or reversal of transactions.
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Compliance with Usage Policies: The client must comply with all usage policies established by CAMBIOSALDO, including those relating to the rules of behavior on the platform, respect for the terms of use of the services and the legality of transactions.
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Responsibility in Account Management: The client is responsible for maintaining the security of their access credentials to the platform, as well as for correctly managing their account, avoiding sharing their login data with third parties. CAMBIOSALDO will not be CAMBIOSALDO is not responsible for unauthorized access resulting from failure to comply with this responsibility.
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Legal Use of Services: The client must ensure that the use of CAMBIOSALDO services complies with the applicable laws in his/her country of residence or jurisdiction. Any legal violation arising from improper use of the platform will be the sole responsibility of the client.
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Assumption of Investment Risks: The client acknowledges that, although CAMBIOSALDO offers investment products with fixed rates of return, all investments are subject to risks inherent to the financial markets. The client agrees to assume these risks and will not be held responsible for any loss or damage caused by the services. a CAMBIOSALDO for losses arising from factors beyond the company's control.
6.3. CAMBIOSALDO's Liability Limits
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Limitation in Cases of Force Majeure: CAMBIOSALDO will not be liable for any failure or delay in the performance of its contractual obligations when such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to natural disasters, technical failures, war conflicts, pandemics, or unforeseen regulatory changes.
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Exclusion of Liability for Third Parties: CAMBIOSALDO will not be responsible for the acts or omissions of third parties, including payment gateways, cryptocurrency processors, financial institutions or regulatory entities that may affect the client's transactions or investments.
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Limitation of Losses: CAMBIOSALDO will not be liable for any loss or damage that the client may experience as a result of the use of the services, beyond the total amount of funds available in the client's account at the time of the claim. No additional compensation will be granted for indirect damages, loss of opportunity or any other incidental damages.
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Technical Liability: In the event of service interruptions due to maintenance or technical failures, CAMBIOSALDO will endeavor to restore the service as soon as possible, but will not be liable for damages that may arise from the temporary interruption of services.
7. Security and Privacy
7.1 Security Measures Applied on the Platform
At CAMBIOSALDO, we are committed to protecting the security of our users' information by using advanced technologies and best practices in the industry. Some of the security measures implemented on our platform include:
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Data Encryption: All sensitive data, including financial and personal information, is encrypted using high-security encryption standards (SSL/TLS) to ensure that the information is protected. protected during transmission between servers and the client device.
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Two-Factor Authentication (2FA): To enhance account security, we offer two-factor authentication, which adds an extra layer of protection by requiring not only a password, but also a code generated in real time.
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Continuous Monitoring: Our platform is equipped with real-time monitoring systems that detect suspicious activity or unauthorized access attempts. In the event of any anomaly, immediate alerts are activated to ensure the integrity of clients' accounts and funds.
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Brute Force Attack Protection: We use attack prevention systems to identify and block repeated, unauthorized attempts to access our clients' accounts.
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Secure Storage: Clients' cryptocurrency funds are stored in cold (offline) wallets to minimize the risk of hacking or unauthorized access. Only a small portion of funds are held in hot wallets (online) for immediate trading.
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Updates and Audits: We implement regular security updates and conduct internal and external audits to ensure compliance with the highest cybersecurity standards.
7.2 Protection of Personal Data
CAMBIOSALDO respects the privacy of its clients and takes strict measures to protect personal data in accordance with applicable data protection laws and regulations, including the European Union's General Data Protection Regulation (GDPR), if applicable. The principles governing our data protection policy include:
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Data Collection and Use: We only collect personal data that is strictly necessary to effectively provide our services. This includes, but is not limited to, full name, address, email, personal ID, payment information, and investment preferences. This data is used exclusively for operational purposes, such as identity verification, transactions, and customer contact.
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Restricted Access: Only authorized personnel have access to clients' personal data, and such data is processed in a strictly confidential manner. We employ rigorous internal controls to ensure that data is used appropriately and within the legal framework.
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Data Retention: Personal data will be stored for as long as necessary to comply with our contractual and legal obligations. At the end of the business relationship, data will be deleted in accordance with local regulations, except in cases where it is necessary to keep it for a longer period due to legal or regulatory obligations.
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User Rights: Customers have the right to access, rectify, cancel or limit the use of their personal data. In addition, they may withdraw their consent to data processing at any time, unless this prevents compliance with current contractual obligations. Customers can exercise these rights by contacting our data protection department through the means provided on the platform.
7.3 Confidentiality Policy
CAMBIOSALDO is committed to maintaining the confidentiality of its customers' information and will not share, sell or rent their personal data. personal data to third parties without the express consent of the client, except in the following cases:
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Legal Obligations: We may share information with government or judicial entities in compliance with laws, court orders or legal processes, when necessary for the prevention of fraud or illegal activities, or when required to comply with our regulatory obligations.
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Service Providers: In order to operate efficiently, we may share information with third-party service providers who assist in the operation of our platform (such as payment providers, cloud storage, or security services). These providers are bound by strict confidentiality clauses and may only use the information for the purpose of providing the services for which they were contracted.
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With Customer Consent: If it is necessary to share personal data for other reasons, the express consent of the customer will be requested, who may accept or reject it.
Our confidentiality policy is designed to ensure that any data processing is carried out in a fair, transparent manner and in full respect of the rights of users.
8. Legal and Regulatory Compliance
At CAMBIOSALDO, we are committed to strict compliance with all applicable laws and regulations both locally and internationally. This includes, but is not limited to, regulations related to the prevention of illicit activities, such as money laundering, terrorist financing and any other criminal activity that may compromise the integrity of our platform or our clients.
8.1 Compliance with Anti-Money Laundering (AML) Regulations
CAMBIOSALDO adopts and applies rigorous procedures to comply with international and local regulations on the prevention of money laundering (AML). These measures are designed to detect and prevent any attempt to use our platform to launder illicitly obtained funds. Our main AML policies are detailed below:
8.1.1 Identity Verification (KYC)
- All clients wishing to use our services are required to complete an identity verification process known as KYC (Know Your Customer). This process includes the collection of personal data, such as full name, address, ID and other documents that may be required to validate the identity of the client.
- CAMBIOSALDO reserves the right to request additional information at any time to verify the identity of the client and ensure compliance with AML policies.
8.1.2 Transaction Monitoring
- All transactions made through CAMBIOSALDO are monitored to identify unusual or suspicious patterns of behavior. This continuous monitoring is carried out by the bank.
8.1.3 Suspicious Activity Report (SAR)
- In compliance with AML regulations, CAMBIOSALDO is required to report any suspicious activity (SAR) to the relevant regulatory authorities. This report will be made without prior notification to the client involved, as required by applicable laws.
8.1.4 Prohibition of Anonymous Accounts
- CAMBIOSALDO does not allow the opening of anonymous accounts or the use of pseudonyms to carry out transactions. All clients must provide true and verifiable information during the registration process.
8.2 Compliance with Local and International Regulations
In addition to compliance with AML regulations, CAMBIOSALDO ensures compliance with all financial laws and regulations in force in each jurisdiction where we operate. These include, but are not limited to, the following:
8.2.1 Local Regulations
- CAMBIOSALDO complies with all regulations set forth by local financial authorities in each country where we offer our services. This includes obtaining required licenses and permits, compliance with foreign exchange and cryptocurrency regulations, as well as filing periodic regulatory reports as required by law.
8.2.2 International Regulations
- CAMBIOSALDO also operates under international regulations related to foreign exchange and cryptocurrency trading. This includes compliance with FATF (Financial Action Task Force) regulations and other international bodies that set global standards for combating money laundering and terrorist financing.
8.2.3 International Sanctions
- CAMBIOSALDO adheres to all international sanctions lists issued by entities such as the Office of Foreign Assets Control (OFAC) of the United States, the European Union and the United Nations. Use of our services by sanctioned persons, entities or countries is not permitted.
8.2.4 Cooperation with Authorities
- CAMBIOSALDO fully cooperates with regulatory authorities and law enforcement at local and international levels in any investigation involving illegal activities. This may include disclosure of customer information where required by law.
8.3 Consequences of Non-Compliance
Any failure by CAMBIOSALDO customers to comply with AML, KYC policies or local and international regulations may result in immediate account suspension, blocking of transactions and, in serious cases, termination of the business relationship. In addition, CAMBIOSALDO reserves the right to take legal action against any customer who uses the platform for illegal purposes.
9. Modifications to the Terms
9.1 CAMBIOSALDO's Right to Modify the Terms and Conditions
CAMBIOSALDO reserves the right to modify or update these terms and conditions at any time, in order to reflect changes in our services, legal adjustments, or new internal policies. Modifications will be effective once published on our platform or when customers are notified directly through the communication channels provided. It is the customer's responsibility to periodically review these terms to be aware of any changes. Continued use of CAMBIOSALDO's services after the implementation of modifications will be subject to the following conditions: 9.2 Procedure for Notifying Customers of Changes
In the event that significant changes are made to the terms and conditions, CAMBIOSALDO will notify customers in a timely manner using the following methods:
- Email Notification: A notification will be sent to the Customers via email, or by e-mail, to notify them of any changes made to the terms and conditions. an email to the customer's registered address, informing them of the changes, with a link to the updated version of the terms.
- Platform Announcement: Customers will be notified through prominent announcements on the CAMBIOSALDO website and/or application.
- Notice Period: A notice period of at least 30 days will be given for customers to review and accept the changes before they become effective, unless the modifications are required by law or due to security reasons, in which case the change will be immediate.
If the customer does not agree with the proposed modifications, he/she may 9.3 Dispute Resolution
In the event that a dispute arises regarding the interpretation or application of these modified terms, the parties undertake to resolve the issue amicably. If no agreement is reached, the client may choose to use the following dispute resolution mechanisms:
- Voluntary Mediation: CAMBIOSALDO will offer a mediation service through an independent mediator with the aim of reaching a consensual solution.
- Arbitration: If mediation does not resolve the dispute, the client and CAMBIOSALDO agree to submit the matter to arbitration in accordance with the rules of the designated arbitration center. The arbitrator's decision will be binding on both parties.
- Jurisdiction and Applicable Law: In the event that the dispute is not resolved through mediation or arbitration, the parties may resort to the competent courts according to the applicable jurisdiction. The laws of [Country where CAMBIOSALDO operates] will govern this agreement.
10. Termination of the Business Relationship
10.1. Conditions Under Which CAMBIOSALDO May End the Relationship with a Client
CAMBIOSALDO reserves the right to terminate the business relationship with a client in the following circumstances:
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Breach of Terms and Conditions: If the client violates any of the terms and conditions established, CAMBIOSALDO may
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Fraudulent Use of the Platform: If CAMBIOSALDO detects suspicious, fraudulent or illegal activities, such as money laundering, scams, or the use of the platform for purposes that violate local or international laws, the company will have the right to terminate the relationship immediately without prior notice.
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Falsification of Information: In the event that it is discovered that the client has provided false or incomplete information during the registration process or in any subsequent interaction with CAMBIOSALDO, the following actions will be taken: upon account closure.
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Failure to Comply with Financial Obligations: If the client fails to comply with his/her financial obligations, such as payment of commissions, service charges or the return of funds in investments with fixed profitability, CAMBIOSALDO may terminate the business relationship.
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Prolonged Inactivity: In cases of prolonged account inactivity (12 months or more), CAMBIOSALDO reserves the right to close the account, after notifying the client.
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Failure to Comply with Regulatory Compliance Standards: If the client fails to comply with regulatory requirements, such as Anti-Money Laundering (AML) regulations or Know Your Customer (KYC) rules, CAMBIOSALDO may terminate the business relationship. CAMBIOSALDO may proceed to terminate the relationship.
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Inappropriate Behavior: If a customer displays aggressive, abusive or threatening behavior toward CAMBIOSALDO employees or other users of the platform, the company may terminate the relationship unilaterally.
10.2. Account Closure Procedures
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Prior Notification: In most cases, CAMBIOSALDO will notify the customer by email or through registered means of communication, indicating the reasons for the account closure. The customer will have a period of 15 days to resolve any dispute, submit additional documentation or make outstanding payments, if applicable.
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Immediate Closure: In serious cases such as fraud, illegal activities or severe violations of the terms and conditions, CAMBIOSALDO may
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Fund Liquidation Process:
- If the account has outstanding funds, CAMBIOSALDO will coordinate the return of these to the client through the registered payment methods, provided that legal regulations allow it and there is no ongoing judicial process that prevents it.
- CAMBIOSALDO may retain the funds if there are investigations related to fraudulent activities or if charges are due for non-compliance.
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Access Restriction: Once the account is closed, the client will lose access to all services of the platform, including transaction history and any personal information. CAMBIOSALDO will provide
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Account Deletion: CAMBIOSALDO will proceed with the complete deletion of the client's account once the settlement procedures and any other pending processes have been completed, in accordance with data protection laws.
10.3. Contacts and Support
Should the client wish to make a query related to account closure or any other matter, he/she may contact the client directly at: You can contact the CAMBIOSALDO support team through the following channels:
- Email: contact@cambiosaldo.com
- Phone: +XX XXX XXX XXXX (Business hours: Monday to Friday from 9:00 am to 5:00 pm, local time).
- Live Chat: Available on the official CAMBIOSALDO website (www.cambiosaldo.com) during business hours.
- Contact Form: Customers can use the contact form at the website support page to request assistance outside of business hours.
Response Times: The CAMBIOSALDO support team is committed to responding to queries within 24-48 business hours. In case of urgent issues related to account closure, attention will be prioritized.
This development covers both the reasons why CAMBIOSALDO may close an account and the procedures and forms of contact for additional support.