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FAQ
TERMS OF USE MICOLNES
By using the Services, you also agree to our Terms of Service. Please review and accept our Terms of Use if you wish to use this Platform.

MICOLNES (SWC-PAY) is a payment system that accepts payments in cryptocurrencies and protects your income from exchange rate fluctuations in the cryptocurrency exchange. If you wish, SWC-PAYcan convert all incoming funds into stablecoins, i.e. cryptocurrencies with a stable exchange rate that is tied to the dollar.

MICOLNES (SWC-PAY(Project)) is International Fintech Company engaged in creating a blockchain ecosystem worldwide.

SWC-PAY makes it easier to work with foreign buyers and makes your business more open to new customers and partners. SWC-PAY is suitable for paying any goods or services in cryptocurrency and helps your shop reach a new audience of customers.

SWC-PAY allows to accept cryptocurrency donations from around the world for your project to be able to gain support in other countries and raise more money. SWC-PAY will help to start rapid growth in the field of cryptocurrency commerce and get an advantage over competitors from the first days of work.

The following terms and conditions (“Terms of Use”) apply to your access to and use of the website at https://swc-pay.com (Site, Website).

We are MICOLNES – a company registered in conformity with the law of Poland.

Our registered address is Bartycka Street, No. 22B, Unit 21A, Locality Warsaw, Post Code 00-716, Post Office Warsaw, Country Poland.
1. DEFINITIONS
«MICOLNES» or «Website» or «Platform» or «us» or «we» or «SWC-PAY» means MICOLNES, a limited liability company established and operating in accordance with the laws of the Republic of, registration number 525065817, registered address: Bartycka Street, No. 22B, Unit 21A, Locality Warsaw, Post Code 00-716, Post Office Warsaw, Country Poland, which provides you access to the Services on the website. It is online platform, operated by the Company, that offers Services of Virtual Currency wallet, exchanging Virtual Currencies and other additional crypto services.

«You» or «User» («Member») means a natural person, who are 18 years of age or older, that registered on the website https://swc-pay.com and accepted the Terms of Use, the Privacy Policy and other legal documents posted on our website.

«User Data» means any content, information and other data about persons who use the Service received or collected using the user's personal account.

«Moderation» means the viewing by the owner or employee of the Service of information posted (or planned to be placed - Premoderation) on the Service by the user for its compliance with the provisions of this agreement and other legal documents of the Service.

«Brand» means a complex or combination of representations, signs, symbols, colors, images, sounds, designed to differentiate the Services of a company / user from the Services of other users of the Service.

«Company» means a user who has been registered on the site, has added information about the company being represented and is involved in the provision of Services as the legal representative.

«Services» means any services, provided on the Platform by the Company, laid down under the website.

«Account» means personal account, opened by you on the Website to access Services on the Website (personal account).
«AML Policy» – rules of conduct aimed at the prevention of money laundering and terrorism financing, developed by the Company in accordance with the Applicable Law, which construes an integral part of the Terms and can be accessed at the website.

«Applicable Law» means laws of Poland, applicable under these Terms to any and all relations between you and the Company. «Fee» – commission or other costs, charged by the Company for the use of Services.
2. CONSENT TO THE CONDITIONS OF THE TERMS OF USE
By registering on our website https://swc-pay.com (Website, Platform or Service) in your personal account, you automatically agree to abide by the terms of this Terms of Use. You should read the terms of use of the Service and accept all the provisions of this Terms of Use. If you use our Service as a representative of a legal entity, you represent and warrant that you have a legal right to register the company on whose behalf you carry out activities in your personal account. If you are not registered in the user's personal account, then you or your company cannot use our Service and cannot accept the terms of this Terms of Use. Terms constitute a legally binding agreement between you and the Company.

MICOLNES (a platform or Service) has developed this Terms of Use so that you are informed about the conditions of use of our site, about our company's services and about the general rules for working with them.

If you do not agree with the terms and conditions of this Terms of Use, you should not access and/or use the Company's Services.

In the event of amendments to the terms of the Terms of Use or if the User has started to use the Company services, but does not agree with the conditions, the latter is obliged to stop using the Company services. At the same time, the relations that arose during the period of use by the User of the Company's services are subject to the provisions of this agreement, unless otherwise specified. You can access the Terms of Use at any time at the bottom of the Service home page.

We may change these Terms of Use by amending this page and by continuing to use the Website you agree that you accept the changes. Please check this page from time to time to take notice of any updates.

By accessing the Website, opening an Account on the Website, or ticking the "I agree to the Terms of Use and Privacy Policy" checkbox, you agree to be bound by these Terms and confirm that you have read, understood, and accepted all the provisions of these Terms, as well as provisions of our Privacy Policy, AML Policy, and other legally binding document publicly available on the Website.

PLEASE READ THIS TERMS OF USE AND ALL ITS PROVISIONS CAREFULLY, BECAUSE THESE PROVISIONS ARE IMPORTANT AND ARE THE SINGLE LEGAL DOCUMENT, THE TERMS OF WHICH WILL BE APPLIED TO YOU AS A USER AS SOON AS YOU HAVE ACCEPTED IT.
3. REGISTRATION
Any visitor to the Site has the right to freely visit the site unlimited times and get familiar with the documents of the Platform and other information posted on the Site.

To gain access to the services (in particular, to the "Personal Account" service), the User must register on the Site, following which the User must enter the login and password for access to his personal account on the Site - to the Client's Personal Account. The procedure for registering the User on the site is carried out in accordance with the instructions contained in the interface of the Site.

The User is responsible for the safety of the username and password, which will be done on the Site under the Username and password.

It is forbidden for one User to create more than one account (one Client's Personal Account) on the Site.

You agree and warrant that all information provided is valid, true, up-to-date, accurate, complete and current. You cannot provide information about third parties or pretend to be someone else when registering and / or setting up a personal account / profile on the service. You are solely responsible for providing incorrect information during registration. In the event of incorrect or false information or data, the site moderator or MICOLNES employee has the right to delete them.

If any of your registration information changes, you are responsible for updating it promptly by using the mechanism or contact information on the Service that allows you to change or update your registration information, if available.

If you have reason to believe that your account has been hacked or is no longer under your control (for example, in the event of a loss, theft of your device from which you are logging into our site) please immediately notify us about this at support@swc-pay.com. You must notify the Company immediately upon becoming aware of any breach of security or unauthorized use of your Account.

The Company reserves its right to suspend your Account without providing notice or reason in case of any violation of these Terms.

WE SHALL HAVE NO LIABILITY FOR THE PERSONAL INFORMATION SPECIFIED IN YOUR ANY RESPONSIBILITY FOR THE PERSONAL INFORMATION SPECIFIED IN YOUR PERSONAL ACCOUNT RELATED TO YOU PERSONALLY OR WITH A COMPANY REPRESENTATIVE WHICH YOU ARE PERFORMING. WE SHALL NOT BE RESPONSIBLE FOR VERIFYING YOUR REGISTRATION INFORMATION.
4. SERVICES
The Company provides the following services on the Website (collectively – "Services", and separately – the "Service"):
- Virtual Currency wallet services (Acceptance cryptocurrency payments all over the world);
- Exchange of Virtual Currency unit for units of another Virtual Currency/fiat money;
- Depositing and withdrawing units of Virtual Currency on the Platform;
- For paying any goods or services in cryptocurrency.

By providing a Service, the Company uses then-prevailing sport market exchange rate for the given trading pair (e.g. BTC/EUR). You further acknowledge and agree that whilst the prices displayed on our Platform may take into account market data from various sources, they are not taken directly from any one source, and therefore may not match prices that you see elsewhere (including prices quoted on other exchanges, conversion services and market data providers).

By providing a wallet Service, the Company provides you with a digitally secured wallet for Virtual Currencies, aimed to exchange, store, and withdraw units of Virtual Currencies and securely stores your private keys for these purposes.

To access Services, laid down in this article, you have to deposit units of Virtual Currencies on the Platform.

The Company may at any time disable the access to the Website, the Account and/or specific Service or all Services altogether and reserves the right to do so in its sole discretion.

The Company only offers Services regarding Virtual Currencies the Platform supports. Please, check the Website regularly to be aware of what Virtual Currencies are supported. You should not attempt to use your Account to deposit Virtual Currencies the Platform does not support. Company stores all keys, related to your Virtual Currencies holding on the Account.

The provision of Services might be delayed due to circumstances including but not limited to technical difficulties, reasonable doubts about the nature or source of funds, deposited on the Platform, carrying out AML/KYC checks as set forth in the AML Policy, etc.

The Company may also provide you with an aggregated nominal value of all your assets in EUR, BTC or any other currency or Virtual Currency based on their current exchange rate. To use some Services, you have to have an active account with a Virtual Currency Merchant. Upon a successful registration, you may pay for the Virtual Currency Merchant's good and/or services on their checkout using Virtual Currencies stored on your Account with:
1) one-time payments; or
2) automatic payments by linking your Account to the Virtual Currency Merchant's account.

The maximum threshold that can be paid to the Virtual Currency Merchant from your Account shall be set forth by the Virtual Currency Merchant. You are strongly advised to check their policies and terms of service and/or contact them and familiarize yourself with the maximum payment threshold.
5. USE OF INFORMATION AND DOCUMENTS
All information and documents specified and posted by the User on the Site will be used by the Platform for legal purposes, including for the purpose of concluding civil transactions with the User and in order to assess the User's solvency.
By registering on the Site, the User confirms that:
- grants the service the right to use, at its own discretion, the information and documents specified and posted by the User on the Site (in the Personal Account), for purposes consistent with the current international legislation.
- provides the service with consent to the processing of the User's personal data.

To access the Services, you must open an Account on the Website by undergoing a registration procedure on the Website.

The Services and the use of the Website are available to individuals or legal entities, that:
- are at least 18 years of age (for individuals);
- have the capacity to enter into a legally binding contract and use the Website, and are not prohibited to do so and use the Services by the Applicable Law or any other laws that may apply;
- are residing or incorporated in countries and territories we support.

You can only have one Account on the Website. You should not create more than one Account on the Website unless expressly permitted by the Company. You cannot create an Account on the Website if your Account has previously been suspended by the Company.

When opening an Account on the Website, you warrant that any and all information, submitted by you is accurate, valid, up-to-date, and complete.

You shall not use your Account for illegal purposes and activities.
You are solely responsible for keeping your Account secure. Do not share your login, password or any other access details with others.
You must notify the Company immediately upon becoming aware of any breach of security or unauthorized use of your Account. Please contact us at support@swc-pay.com immediately in this case. The Company reserves its right to suspend your Account without providing notice or reason in case of any violation of these Terms.

In order to receive access to the Services, provided on the Website, you will have to provide certain information and documents and undergo a verification procedure.

The Company may at any time request you to provide additional documents and information and/or updated documents and/or information and documents submitted before and reserves the right to do so at its sole discretion. Failure to abide by these requirements may result in temporary or permanent cessation of Services provision and/or Account suspension.

You are solely responsible for the accuracy, validity, and correctness of all information and documentation you submit to the Company. Should there be any error, mistake, update, or change in information or documents you have submitted prior, you are obliged to notify the Company immediately. Information and documents, submitted by you to the Company are processed according to provisions of our Privacy Policy.
6. PROHIBITIONS
The publication of the following materials is prohibited on the Site:

6.1. Forbidden A large number of grammatical and spelling errors in information and documents and may lead to account blocking or restriction of the User's capabilities on the Site.
6.2. It is prohibited to post information, documents, messages that offend the Platform and its employees.
6.3. It is forbidden to post information and documents aimed at misleading MICOLNES.
6.4. It is prohibited to post information and documents containing pornographic materials, as well as materials with elements of violence.
6.5. It is prohibited to post information and documents related to racial intolerance or propaganda directed against an individual, group of persons or organization.
6.6. It is forbidden to post information and documents in any form promoting the use of drugs, discussion of the effects of drugs, as well as devices for their use.
6.7. It is prohibited to post information and documents related to the sale or advertising of weapons and ammunition (for example, firearms and parts for them, combat knives, stun guns, etc.), as well as methods of their manufacture.
6.8. It is forbidden to post information and documents, the action of which is aimed at illegal purposes.
6.9. Any activity on the Site that directly or indirectly interferes with the normal functioning or development of the Site.
6.10. Any activity that is directly or indirectly aimed at violating the current GDPR legislation is prohibited on the Site.
6.11. Not violate these Terms and the Applicable Law in any other way.
7. IN WHICH CASES THE REGISTRATION ON THE SERVICE MAY BE REFUSED
In the case of additional registration of the company in the user’s personal account, the moderator of the Service has the right to additionally verify the user by using and checking the phone number or his email, as well as requesting additional documents for the company, including, but not limited to an extract from the registry.

The moderator has the right to refuse to register the company and (or) the branch of the company if:

1) this company did not provide the data (documents) requested by the moderator;
2) this company has been deleted from the register of legal entities;
3) criminal proceedings are instituted against the authorized persons of this company and (or) these persons are under investigation;
4) earlier this company was already registered on the site, but after receiving negative user comments was deleted by moderator or deleted the profile on its own;
5) the early company or its representatives were blocked on the site for immoral behavior, the use of profanity or the threat of illegal use of the Service;
6) we reasonably believe your Account has been compromised, as well as for any other security reasons;
7) you have provided us with any false, incomplete, misleading, inaccurate information;
8) you, your Account, your behavior poses regulatory risks to the Company;
9) we reasonably suspect you of fraud, violating the Applicable Law.
8. PAYMENTS AND WITHDRAWALS
For working with our Platform You have to deposit units of Virtual Currency to your Account by following Deposit instructions on your Account page. Please carefully read instructions in your personal account.

You can withdraw units of Virtual Currency at any time at your sole discretion subject to Account transaction limits and temporary or permanent restrictions imposed in course of internal investigation or by law. You can withdraw your units of Virtual Currency in any amount, provided there are enough Virtual Currency units to cover the applicable Fees.

Each Withdrawal of Virtual Currency is subject to mining fee charged by the respective blockchain network. When sending your transaction to the blockchain, we will try to keep the balance between reasonable fees and speed of processing, however, we reserve the right to determine the exact amount of mining fee to be set in our sole discretion.

Our Company (we) shall not be liable for the transfer of your units of Virtual Currency to other wallets. You are solely liable for the accuracy of information, required for carrying out a Withdrawal (i.e. addresses, tags and any other required credentials). The Company strongly advises you to always double-check the accuracy of information provided for Withdrawal purposes.

You shall always keep in mind that blockchain transactions are irreversible, and therefore, once the transaction has been sent to the blockchain network upon your request, we cannot reverse it at all.

When depositing, withdrawing units of virtual currencies, in the case of any payment, to pay for any services or the products, the corresponding assets will be debited and credited to your account. Once your payment order has been completed, it cannot be canceled or reversed. Payments are final and there are no refunds for them. The order for payment or acceptance may be canceled by the Company in the event of a technical fault of the Platform.
9. OUR FEES
The Platform is operated on an automatically configured Fee-charging basis for the Services and the Company does not issue any invoices. The applicable Fees for any transaction will be displayed to you before executing a given transaction through our platform.

The Company may change the Fee structure at any time (including adding new fees for new Services) and reserves the right to do so in its sole discretion. The Company will notify you about any changes in Fee structure. This can be done by posting a notification on the Website or sending you notification into the account.

Fees are paid in a Virtual Currency that corresponds to the respective Service. Fees shall be paid at the time of the completion of each transaction.
10. HOW SHOULD THE SERVICE BE USED
The Service is not intended for users under the age of 18, and such users are expressly prohibited from registering in the personal account at our website.

You shall ensure that the Device and all equipment, hardware, software, products and/or Services you use to access, visit, or use the Service does not disturb or interfere with our operation of the Service, or impede or interfere with others’ access, visitation and/or use of the Service
11. LINKS TO THIRD PARTY WEBSITES
Our site may contain links to other sites. We do not control and are not responsible for the content or practice of these other websites. We do not approve the content of third-party sites, applications or services related to this service. Your clicking on the link to any other site, application or access to them is carried out exclusively at your own risk and on your own initiative.

It is forbidden to upload or post content that is illegal, violates copyright or has offensive content.
12. IN WHICH CASES THE ACCESS TO THE SERVICE MAY BE BLOCKED
User blocking on the site is carried out by the moderator and is possible in the following cases:

- we reasonably believe your Account has been compromised, as well as for any other security reasons;
- we reasonably believe your Account is being used by a person with no right and/or authorization to do so;
- you fail to comply with these Terms, as well as with any other document that construes a part of these Terms;
- you have provided us with any false, incomplete, misleading, inaccurate information or incorrect actions;
- you, your Account, your behavior poses regulatory risks to the Company;
- we reasonably suspect you of fraud, violating the Applicable Law;
- other reasons that constitute a violation of these Terms and the Applicable Law;
- any inconsistency of user behavior with the Rules of conduct on the site;
- if the user is suspected of carrying out any illegal activity on website;
- on suspicion of copying and (or) duplicating user data, if such an user was already registered on the site earlier and the activity of the user or company is completely identical to the information contained in the original profile;
- if this user was previously registered in the personal account on our Service, but deleted his profile after receiving a sufficient number of negative ratings and comments.
13. IN WHICH CASES USING THE SERVICE IS PROHIBITED
In accordance with this Terms of Use you cannot:

- to have access and/or use anyone else’s personal account, or access to the Service and on behalf of another user use the Service and place incorrect information on it and (or) mislead users;
- make any commercial, advertising, promotional, or marketing use of the Service and/or Content obtained on or through the Service, except as permitted by the Service;
- post, upload, transmit, send or otherwise make available on or through the Service any content that constitutes junk spam, pyramid schemes, unlawful advertising, and/or commercial offers contrary to the Service;
- repeatedly post, upload, transmit, send through the Service the same content multiple times in a day, week, or month;
- post fake data of persons, companies, brands or otherwise substitute information in your account with the purpose to disguise the origin of any Content you may upload, transmit, send, or otherwise make available on or through the Service;
- do not upload, store, publish, disseminate any information that contains threats, discredits, insults, defames the honor and dignity or good standing or violates the privacy of other Users or any third parties;
- to post the information that violates the rights of minors;
- to publish the information which might be fraudulent;
- to engage in cyber-attacks;- to use, post, upload, transmit, send any information which is violent or humiliates him;

Users who have posted or agreed to perform such Services are blocked without any notice.

YOU ACKNOWLEDGE THAT YOU ARE USING THE SERVICE AND ANY PRODUCTS AT YOUR OWN RISK. WE ARE NOT RESPONSIBLE FOR INCOMPLETE, INCORRECT, LOST, DELAYED, LATE, MISDIRECTED, GARBLED, DAMAGED, ILLEGIBLE, UNDELIVERABLE, OR INCOMPLETELY RECEIVED PAYMENTS, PORTIONS OF THE SERVICE, OR COMMUNICATIONS OR MESSAGING FROM OR TO US OR YOU FOR ANY REASON, INCLUDING BY REASON OF HARDWARE, SOFTWARE, BROWSER, NETWORK, COMMUNICATIONS SYSTEM FAILURE, MALFUNCTION, DELAY, OR CONGESTION, OR ANY INCOMPATIBILITY AT OUR SERVERS OR ANY OTHER CAUSE OR COMBINATION THEREOF.
14. HOW DISPUTES ARE REGULATED
In the event of a dispute between users of the service, the user remaining unsatisfied with the service of another user OR payment from him has the right to appeal to him with a claim.

For this purpose, he writes the corresponding claim in the name of the contractor and sends it to the following address of the service: support@swc-pay.com.

After that, users have the right to independently resolve the dispute in any convenient way for the bottom.

This Site may be accessed from all countries around the world where the local technology permits. As each country has differing laws, by accessing this Site both we and you agree that the laws of Poland, without regard to the conflict of laws principles thereof, will apply to all matters relating to these Terms of Use.

If you have a dispute with us, you agree to contact our support team support@swc-pay.com in the first instance to attempt to resolve such dispute. If we cannot resolve the dispute through our support team, you and we agree to use the complaints process to the relevant court/authority.
15. CHANGES TO THE USER AGREEMENT
We may update this Terms of Use from time to time by publishing a new version on the Internet. You should check this page from time to time to see any changes. If we make any significant changes, we will notify you by posting a revised Terms of Use on our site and providing a notification to your email address corresponding to your account. By continuing to use the site and our services, and / or by continuing to provide us with your personal data, you will be subject to the terms of the Terms of Use in force at that time.

If you have any questions about this Terms of Use, please contact us at support@swc-pay.com.
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