This User Agreement (abbr. – “Agreement”) constitutes the main regulatory document of legal nature containing a code of imperative and dispositive norms of interaction between the Parties. The User Agreement contains a public offer addressed to an unlimited circle of persons.

System users are deemed to have been informed of the provisions of this Agreement and have fully accepted the rules stated in this Agreement, regardless of their status when they start using the services offered by «JWallet» system. The Users who have not familiarized themselves or do not agree with provisions of this Agreement may not use the services offered by «JWallet» system.

User agreement on the use of services offered by «JWallet» system.

Terms and definitions

JWallet (abbr. – «System») is a processing online centre performing payments in currencies of respective payment systems upon the Client’s request.

Website means an Internet resource created for the purpose of operation of the System under the domain name - https://www.jwallet.cc . The website is under organizational management and constitutes private property of the Administration.

Visitor means a physical person who has achieved the age of majority and through his or her own actions is able to acquire civil rights and exercise them on his or her own and is also able to create civic obligations through his or her own actions and bear responsibility in the event of non-fulfilment of such obligations. The Visitors mean unregistered Users who have visited the Website for introductory purposes, but have not accepted the public offer.

Client means a person having sufficient level of legal capacity who, though his or her actions can acquire civil rights and obligations and also create civil obligations for himself or herself, fulfil such obligations on his or her own and bear responsibility in the event of non-fulfilment of such obligations. The Clients mean Visitors who have familiarized themselves and have accepted the rules of this Agreement as well as the Public offer and this User agreement overall.

Administration is a sole private owner of the website who performs organizational, financial, technical support of existence and operation of the System and its Website. Thus, the Administration ensures trouble-free operation of the Website and twenty-four hour free access for all members of such network.

Parties mean the Visitor, the Client and the Administration.

Account means a personal account of each separate Client generated after the Visitor completes the registration procedure on the Website.

Authorization is a confirmation of the authenticity of the Client’s account on the terms foreseen y the features of the System.

Personal cabinet means a set of functional capabilities of the Account allowing to fully using the functional capabilities of the System. It can be accessed after Account Authorization.

Authentication means a procedure for identification of the legal entity of the Client required under the general normative rules established for economic transactions.

jWallet balance (abbr. – «Balance») means a financial balance of the Client’s account replenished by the Client on the terms foreseen by technical features of the Website. US dollars are the Currency of the balance. According to the agreement between the Parties, one balance unit is equal to one US dollar, except for payments foreseen by the features of the System.

Remuneration means a fee received by the Administration from the Client for performing the Client’s orders in accordance with the provisions of this Agreement and the features of the System.

Order means the Client’s request for crediting the funds to the account balance or for withdrawing the funds from the account balance.

Public offer means an offer addressed by the Administration to an unlimited circle of persons or to several specific persons which definitely and specifically conveys the intention of the person who has made the offer to regard herself or himself as a person who has signed this user agreement with the addressee who will accept the offer.

Acceptance means full acceptance by one of the Parties of the terms of public offer made by the Administration for the purpose of signing this User Agreement. The Acceptance of the Public Offer occurs from the moment when the User starts using the Website (including for introductory purposes) and its services.

1. Preamble

1.1. This User agreement (hereinafter referred to as Agreement) defines the general rules for visiting and using the services and norms of general conduct of the Users on the Website. It regulates civil relations between the Users and also between the Users and the Administration in the process of their interaction.

1.2. This Agreement may be amended by the Administration’s unilateral decision. The Administration is not responsible for personally notifying the Clients of such changes. The new version of this Agreement shall take effect from the moment of its publication on the Website.

1.3. The terms of this Agreement will apply to all Parties without any exceptions. 

1.4. The Parties have agreed that a person who has accepted the Public Offer is considered to have familiarized himself or herself with the provisions of this Agreement while being in clear memory and understanding the legal consequences of signing such agreements. The essence and the volume of obligations established for each of the Parties to this Agreement are fully clear to them.

1.5. If a person does not agree with the provisions of this Agreement (fully or partially), then the person who expressed such will, may not use the information field of the Website.

2. Subject of Agreement

2.1. The Administration provides to the Users an information field of activity https://jwallet.cc/, which includes, but is not limited to the information on the name, type, procedure for the provision of services, registration procedure, payment and terms of the provision of services, commission fee and other terms related to the activity of the Website.

2.2. The Administration of the Website gives the User an opportunity to register himself or herself on the Website and get access to the information and technical resources of the Website. The use of functional capabilities of the Website is possible only after the User completes registration and authorization procedure on the Website on the terms established by the Administration.

2.3. Upon the Client’s request and authorization, the Administration will pay for services provided by third parties by crediting monetary funds in accordance with bank details specified by the Client. 

2.4. The Client agrees to accept the services provided by the Administration and to pay to the Administration a commission fee on the terms and in the amount foreseen by the features of the Website and this User agreement. 

4. Terms of use of the System services

Client registration procedure:

4.1. A visitor who wishes to become a Client visits the Website on his own and familiarizes himself or herself with the information about the registration on the Website. 

4.2. In order to obtain full range of opportunities offered by the Administration, a Visitor completes the registration procedure on the Website by himself or herself.

4.3. Registration procedure is initiated and occurs after the Visitor pushes the “Registration” button on the Website.

4.4. After pushing the “Registration” button on the Website, the Visitor will be offered to complete a registration form on the Website. 

4.5. After successful completion of the registration procedure, the Visitor must fill in mandatory fields: E-mail, Password, Name. After completing all the fields on the terms specified in this Agreement, the Visitor must familiarize himself or herself with provisions of this Agreement, Policy on the fulfilment of requirements for the fight against money laundering and terrorism financing as well as Confidentiality Policy. The fact of acquaintance with provisions of the documents specified in this paragraph is confirmed by putting a “V” sign in the respective field of the registration form. 

4.6. After completing the registration form, the Visitor sends the completed registration form to the Administration using the “Send” button. Registration information will be sent after the mentioned button has been pushed. 

4.7. The Administration may, but is not obliged to provide a service of short consultation of advisory nature with respect to the questions asked. Such consultation will be provided on a free of charge basis.

4.8. In order to obtain consultation and information support specified in paragraph 4.8, the Visitor will post his question in the “Feedback” section. In this case, he or she must shortly formulate the question and also indicate the name and e-mail of the Visitor requiring consultation.

4.9. The Administration may ignore the requests of the Visitors within the framework of consultation and information support if the Visitor’s request violates the requirements defined in this Agreement. Thus, the Administration may ignore the requests and leave them without answer if a specific request does not contain a clearly formulated question (or a description of a situation), contains offensive language and/or phrases, including those with respect to the Administration, third parties and also for other reasons guided by common sense and internal beliefs.

4.10. Under this Agreement, the Parties have agreed that the Administration may post on the Website any adblocks, banners or advertisements in any sections of the website, including those which contain information posted by the Client, without the Client’s additional consent.

4.11. The information posted on the website by the Administration is a result of intellectual property of the Administration and all property and personal non-property rights to such information belong to the Administration unless established otherwise. In this case, the Visitor/Client will not have any exclusive rights to the results of intellectual activity of the Administration expressed in the graphic, text, audio and video form and posted on the Website by the Administration.

4.12. The Administration is not responsible for protecting the rights of the Client which have been violated, i.e. for resolving the disputes arising on these grounds, including court disputes.

Client authorization procedure:

4.10. After fulfilling the instructions foreseen in paragraphs 4.1 – 4.6 of this Agreement, the Visitor will receive a message sent by the Administration to the electronic mail address specified by the Visitor in the registration form and containing a notification on account registration as well as on the authorization procedure.

4.11. The Visitor will fulfil the instructions described in the notification for the purpose of account authorization or will decline the authorization procedure in ways specified in the notification.

4.12. After the Visitor has accepted this Agreement and has fulfilled the instructions on the authorization procedure provided by the Administration in the notification, the account will be deemed to have been authorized and the Visitor will acquire a new legal status and will become a Client.

4.13. For additional authorization, the Administration reserves the right to take additional authorization measures by sending a short message with instructions to the cell phone number provided by the Visitor in the registration form. The Visitor will receive a confirmation code provided that he or she has fulfilled two mandatory conditions: has correctly filled in the field entitled “cell phone number” in the international format and has pushed the button “Receive code” in the field entitled “SMS code”. After pushing the button “Receive code” in the field entitled “SMS code”, the Visitor will receive a code to the cell phone number specified by him or her in the field entitled “Cell phone number”. 

4.14. If additional information is required under paragraph 4.13 of this Agreement, then the Visitor must comply with requirements specified in the short message by interacting with the features of the Website. After completing the mentioned actions, the Visitor will become a Client and the account will be considered to have been authorized after the Visitor has completed the instructions on the authorization using a cell phone number.

Terms of use of the personal cabinet:

4.15. The Client, after receiving access to the features of the personal cabinet, may fully use the services offered by the Website.

4.16. The Client will personally replenish the Personal cabinet balance and pay for services provided by third parties by interacting with the features of the Personal cabinet.

4.17. The Client must have positive balance in order to be able to pay for services provided by third parties and to replenish the balance of external payment systems by using the services offered by the Website. 

4.18. The Client will replenish the System balance on his or her own by using financial instruments integrated into the features of the Personal cabinet.

4.19. While replenishing the System balance by using external payment systems, the Client may be required to pay a fee in the amount foreseen by the features and provisions of the documents of such systems. The Client accepts and understands the provision stating that the Administration does not determine the amount of such fee.

4.20. The System Balance will be replenished within 2 (two) hours of crediting funds from external payment system to current accounts and/or wallets of the Administration. The Balance will not be replenished if the funds have been written off the balance of external payment systems, but have not been credited to current accounts and/or wallets of the Administration.

4.21. The Client accepts and understands the provision stating that the Administration does not influence the time of crediting of funds by external payment systems to current accounts and/or wallets of the Administration. 

4.22. In the event of circumstances foreseen by paragraph 4.20 of this Agreement, the Client’s Balance will be replenished with a corresponding amount of funds, except for fees also foreseen in paragraph 4.19 of this Agreement.

4.23. If the Client places an Order in favour of third parties, then the Client will use the features of the Personal cabinet by himself or herself. 

4.24. While making an Order, the Client must indicate:
- the details of the payment system of payment beneficiary;
- payment amount;
- payment purpose;

4.25. While making an Order by using bank instruments and crediting the amounts in favour of the Client and/or third Parties in cashless format, the Order will be fulfilled with the assistance of a representative of the Administration, i.e. a Manager. A Client who decides to make payment in the format of the Order described in this paragraph will contact the Manager by himself or herself by using the features of the personal cabinet.

4.26. In case described in the provisions of paragraph 4.25 of this Agreement, the Client will provide to the Administration scanned copies of valid documents (issued no earlier than 1 week ago) confirming the fact of existence of a third party company which will be the recipient of the Client’s order. The list of necessary documents will be provided to the Client by the Manager.

4.27. While sending an Order, the Administration will write off the Balance the funds in the amount of payment and commission fee taken by the Administration.

4.28. The amount of remuneration of the Administration is specified in the respective section of the Website and may be changed and the Clients will be notified of it within the framework of information field of the Website.

4.29. The order will be deemed to have been fulfilled by the Administration after a corresponding amount has been written off the payment account and/or wallets of the Administration. 

4.30. The period of time for crediting funds in accordance with payment details of third parties depends on the period of time necessary for conducting a respective financial transaction by payment systems involved in this process. 

4.31. In case of lack of activity in using the functionality of the Client’s personal account within 6 (six) months since the last account activity, the Administration reserved the right to permanently delete such a Client’s account from the System database server.

4.32. By the activity of the Personal account, the Parties agreed to understand use of the System’s functionality manifested in replenishment of the balance of personal account, payment of services of third parties, replenishment of balances of third-party payment systems using the Site services, other functionality of the Site.

5. Liability of the parties

5.1. The Administration shall not be liable for protection of the Client’s rights which have been violated by third parties, and, namely, for resolution of disputes on these grounds, including court disputes. 

5.2. The Visitors and/or the Users may not post on the Website any information, including feedback which contains any information of the negative content:
- containing direct or indirect generally accepted signs of pornography;
- offending or hurting somebody’s dignity or business reputation;
- bearing signs of discrimination based on gender, nationality, skin colour, language of communication, personal world view, religion;
- having fraudulent nature and misleading about the quality, quantity and/other properties of the object of the offer;
- containing calls for violence, unrest, violent overthrow of the government, state and/or military takeover;
- regarding suicide and its methods;
- regarding methods for creation, storage, sale, consumption of narcotic and/or psychotropic substances;
- regarding tobacco smoking and alcohol consumption by minors;
- regarding the prohibited services;
- containing malware and (or) other information which can harm third parties;
- violating copyright, allied rights and/or trademark rights of third parties;
- other information violating the norms of current legislation determined by territorial jurisdiction;

5.3. In case of violation of paragraph 6.2 of this Agreement and non-compliance with the requirements of the Administration which include the removal of such information from public access, the persons who have committed the violation will bear responsibility foreseen by the provisions of this Agreement and/or current laws of the Hong Kong. In this case, the Administration may stop such violation on its own by removing information and applying sanctions specified in paragraph 5.12 of this Agreement. 

5.4. The Administration is not responsible for the results of visiting of external resources by the Visitors and/or the Clients, the links to which may be posted on the Website. Those results mean any result regardless of its nature and also any result which has caused moral and/or material damage to the injured party.

5.5. The Administration may refuse to provide services to certain persons without additional explanation of reasons.

5.6. The Administration may retain for an unlimited period the amount on the Client’s balance if the Client commits any violations foreseen by this Agreement and also by norms of current laws of the Hong Kong.

5.7. In case of use of intellectual property results belonging to the Administration, i.e. the website materials, for any purposes, the Visitor and/or the Client must obtain the Administration’s permission before posting such materials. If the Administration allows it, then the Visitor and/or the Client must show full name and domain name of source in the following format: Processing online centre «JWallet» http://jwallet.ru. The hyperlink which leads, when pushed, to a specific page of the website where the material has been taken from, must be active and direct.

5.8. By analogy with instructions stated in paragraph 5.7 of this Agreement, the Visitor and/or the Client will obtain beforehand a written permission for usage of the results of intellectual property of third parties from such parties. The way and the procedure for obtaining the permission will be determined in the process of negotiations with copyright holder.

5.9. The Administration is not responsible for actions of the User which violate the rights of third parties.

5.10. The opinion stated in the comments by the Visitor and/or the Client represents only the point of view of the author of notification and may not coincide with the Administration’s opinion, it is a subjective opinion of its author and does not in any way pretend to be objective. Such opinions may not coincide with public opinion and do not match reality.

5.11. The Administration is not responsible for the content of the feedback left by the Visitors and/or the Website Clients. The feedback left by the Visitors and/or the Website Clients is a subjective opinion of its author and does not in any way pretend to be objective. It may not coincide with public opinion and may not match reality.

5.12. The Administration makes a decision on the transfer/ non-transfer of personal data only upon the request sent by the authorized person on the terms established by norms of applicable laws. 

5.13. The Administration may disregard the requests, petitions and letters which do not contain the information on the petitioner (surname, name, patronymic, contact information). 

5.14. The Administration is not responsible for the registration data indicated by the Client during interaction with the information field on the Website in the process of registration.

5.15. The Client bears exclusive responsibility for the accuracy and currentness of the Client’s data provided during the process of registration and used by the Client in the Personal cabinet. The Client will personally ensure the safety of his or her personal login and password. The Client will be fully responsible for any actions performed through his or her personal cabinet and agrees to immediately notify the Administration of the Website of any case of unauthorized use of the Client’s Personal Cabinet, of any violation of the established safety norms as well as of any violation of the terms of this Agreement.

5.16. The Parties have agreed that the Clients will be personally responsible for safekeeping of the authorization data on the Website.

5.17. The Website Administration will not be responsible for the damage, losses or expenses (actual or possible) related to the activity of this Website, its use or impossibility of use.

5.18. The Parties affirm that they have accepted this agreement while being in clear memory and fully understanding the legal consequences of signing such Agreement. The essence and the volume of obligations established for each of the Parties to this Agreement are fully clear to them. The Parties agree that each of them has received full and correct information regarding the data specified in the provisions of this Agreement. 

6. Dispute resolution procedure

6.1. In case of discovery of any information posted on the Website which contains the results of intellectual property belonging to third parties, the rightholder must: 

6.1.1. compile a claim which contains actual and normative grounds giving the Administration an opportunity to remove such information from public access. 

6.1.2. attach to the claim a proof of authenticity of intellectual property result (original copy, other documents confirming the rights to the object of author’s rights).

6.1.3. send a package of documents specified in the provisions of paragraph 6.1.1., 6.1.2. of this Agreement to the electronic mailbox of the Administration: [email protected]. 

6.2. The claims of the Clients regarding the quality of services, products and other remarks must be sent to the electronic mailbox of the Administration: [email protected]

7. Other terms

7.1. All possible situations or disputes arising out of relations between the Clients, between the Clients and third parties, the Clients and the Administration, the Visitors and the Clients and/or the Administration which have not been resolved by this Agreement will be resolved according to the procedure foreseen by respective norms of current laws of the Hong Kong.

7.2. The Parties to this Agreement understand the volume of their rights and obligations arising out of the relations between the parties mentioned in this Agreement and fully understand their actions as well as the legal nature of consequences of such actions.

7.3. Lack of action on the part of Administration in case of any violation of the provisions of this Agreement by any of the Clients does not deprive the Administration of its right to take respective actions later in order to protect its lawful interests and rights.

7.4. With respect to all matters, besides those specified in Section 6 of the User Agreement, the Users may address the Administration by sending respective petitions.