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Terms & Conditions
User agrement, AML&CFT Policy, Private Policy
Bitclude Cryptocurrency Market Regulations
The provider of the cryptocurrency exchange service is Tapik Sp. z o.o. with the register address at ul. Franciszka Ratajczaka 33/3 in Poznań, postal code 61-816 and NIP 8792697221. The company may use its subsidiaries to provide its services (more in the subsidiaries section).
1. Bitclude - the company Tapik Sp. z o.o. or one of the subsidiaries Stock exchange - a teleinformation service operating at bitclude.com, enabling the execution of remittances, handling of money accounts, handling cryptocurrency accounts and the exchange of exchanges.
2. Verified user - a user who underwent the verification process carried out by the Bitclude administration in the platform
Subsidiaries providing services
1. FMSoftware OÜ with registration number 14508452 and registration address Männimäe, Pudisoo küla Kuusalu vald Harjumaa 74626 with the financial license number FVR000263 intermediating in the provision of some services for Bitclude
1. For formal contact with Bitclude (including complaints), you can use the following communication methods:
Address for correspondence:
Franciszka Ratajczaka 33/3,
61-816 Poznań, Poland
2. Bitclude is responsible for running and maintaining bitclude.com 3. Bitclude uses "cookie" files for the correct delivery of services 4. Bitclude collects and stores data about its customers, transactions and all information related to its activities over the last 10 years, thus fulfilling its obligations as a financial institution. 5. The company meets the safety standards provided by: - "The canon of good practices of cryptocurrency market players in Poland" of April 10, 2017 (available at https://bitcoin.org.pl/dokumenty/) - "Minimum bitcoin bitcoin security standards" of 11 September 2014 (available at https://bitcoin.org.pl/dokumenty/) as to which October 24, 2014 was received unambiguously stating the lack of objections to the document from the Ministry of Finance - PCI Compliance Level 4 6. Bitclude is a regulated entity based on the Payment Services Acts as a "small payment institution", entered into the PFSA list as an obliged entity under the license number MIP11/2019. 7. All signs, contents and images are protected by law and their use is strictly prohibited, the only distance from this rule is the "press" tab and all written consents which state otherwise 8. u.u.p. - Law on payment services of 19 August 2011.
Execution of the transaction
1. The purchase on the website may be carried out on general terms in the T + 1 mode, i.e. during one business day from the moment of making the deposit in the platform. The purchase transaction is a money transfer and is made between the buyer who initiates the deposit and between the recipient or the seller. Such character of the purchase transaction result from Art. 3 p. 1 point 2a u.u.p. ie direct debits between two parties to the transaction. The execution of the withdrawal, that is, the "acceptance of a payment transaction" must take place within one business day, however, this transaction may be executed within the balance of the Bitclude payment account if the total value of the balance does not exceed the equivalent of 1,900 eur.
2. The sale transaction is carried out on the same basis as the purchase transaction, where the person who sells the crypto-currency becomes the recipient of the transaction.
3. Transactions resulting in exceeding the balance by the equivalent of 1,900 eur must be taken from the account within one business day, these restrictions result from Art. 117h, item 3, u.
Transactions - commissions and mechanisms
1. Every transaction in the service is subject to a fee, the user performing transactions in the "instant" mode will always be subject to a "taker fee" fee (unless he encounters an opposing offer of the "hidden order" type, which is referred to as commission for the offer on the market, commission charged is based on the current monthly turnover on the account in the formula: quantity * current commission. You can check the commission in the "fees" tab.
2. The user who realizes the cryptocurrency deposit or currency deposit (in the 1,900 eur limit area) has the option of creating a buy or sell offer on the market, such offer in the case of another participant of the market will be subject to an "fee" fee for the person who created the offer on the market. You can check the commission in the "fees" tab.
3. In the case of an offer to buy, sell in the instant mode if the offer on the market was "hidden" will result in a lower commission or "maker fee" commission. 4. The user executing transactions in the limit mode with the "hidden order" option enabled in the case of the order will pay the "taker fee" commission regardless of whether he is a person providing or taking an offer from the market.
5. The user who during making the "limit" transaction wanting to be sure that he will pay the "maker fee" and will not be paired with any other offer on the market should use the "post-only" option. If you use the simultaneous "post-only" and "hidden order" parameters, you will not be charged the "maker fee" and you will be charged "taker fee". 6. The mechanism of offers on the markets available on Bitclude:
- every user on the market has the ability to create limit or instant purchase orders in a queued manner based on the time of filing
- In the case of a limit order, in the first stage, the system checks all offers that have a better price than the "rate" price set when the offer is issued, these offers are sorted successively on the basis of the price (in the case of buying from the cheapest to the most expensive, in the case of selling the reverse), and then by creation time (from offers previously created to offers created later)
7. Offers on the market available on Bitclude:
Bitclude groups offerings on the basis of prices, to facilitate the market preview, the minimum grouping that is available is grouping to the second decimal place of the primary market currency
There are invisible offers on the market, such as "hidden order", these are actual offers which the owner has set the "hidden order" parameter, in the case of collision of the "limit" or "instant" mechanism with the "hidden order" offer, the mechanism calculates more attractive commission for a person using this offer in the form of "maker fee"
Payments and withdrawals
1. Each of the users has the option of making deposits and withdrawals to a payment account, i.e. a "balance", each deposit and withdrawal from a payment account is reduced by the service commission available in the "fees" tab.
Payments and withdrawals
1.The user who wants to make deposits and withdrawals on his payment account must undergo the basic KYC procedures
2. In the case of a natural person, this can be done from the "limits" tab, by performing a simple verification process consisting of:
- name and surname
- scan or photo ID of a two-sided, alternatively internal side of the passport with a selfie photo with this document
- Bitclude may also ask you to confirm your bank account statement
3. In the case of a legal entity, it will be necessary to verify for:
- providing the name of the company / entity
- providing the company's country and registry address
- Attachment of registration documents confirming the company's representatives as well as the document allowing to determine the actual beneficiaries (ie shareholders who own more than 20% of the company's shares),
- it will be necessary to attach scans or photos of personal proofs, alternatively the inner side of the passport along with a photograph of "selfie" type with that document for the company director and each beneficiary of the actual company
Account and transaction blockade
Bitclude as a regulated entity is obliged to follow every transaction in the system, in the case of justified suspicions about committing a crime, it is required to block transactions and block user's account. In the case of a blockade, the General Inspector of Financial Information is notified in the event of a GIFI decision on leaving the blockade, the relevant authorities are notified and they decide whether to maintain or remove the blockade of funds.
Complaints - procedures§ 9.
Definitions and explanations:
Company - Tapik limited liability company with registration number KRS: 0000708888, REGON: 368985210
Company's address - Ratajczaka 33/4, Poznań 61-816
The company's electronic address - firstname.lastname@example.org
The rules for dealing with complaints submitted by customers are specified in the Act of 5 August 2015 on handling complaints by financial market entities and on the Financial Ombudsman (Journal of Laws of 2015, item 1348).
This procedure sets out a detailed way of accepting and considering customer complaints.
The mode of filing a complaint, its form and time of its consideration
The Customer is entitled to submit a Complaint free of charge regarding services provided by the company under the Contract established in accordance with the applicable regulations.
The Customer is obliged to submit a Complaint immediately after obtaining information about the occurrence of circumstances raising his objections, in order to allow its reliable consideration.
At the Customer's request, a confirmation of submitting a Complaint will be prepared, which will then be forwarded to him in a manner previously agreed with him.
The complaint may be filed by the Customer in the following way:
in writing - in person, directly at the registered office of the Company, as well as in units (headquarters, branches, customer service points, etc.),
by mail within the meaning of art. 3 point 21 of the Act of November 23, 2012 - Postal Law (Journal of Laws of 2012, item 1529) to the address of the Company,
in electronic form using electronic means of communication to the Company's e-mail address.
The complaint should contain at least:
information enabling the Company to identify the Customer whose Complaint relates, and the details of the person submitting the Complaint,
description of the advertised situation,
unambiguous determination of the client's request.
If the data provided by the Customer in connection with the submitted complaint is not sufficient for its consideration, the Company shall immediately inform the Customer about the necessity to supplement them. In such a situation, the Company contacts the Client in the manner in which the complaint was received by the Company.
The Company considers complaints regarding services provided by the Company under the Agreement immediately, no later than within 21 days from the date of receipt of the complaint.
The company is subject to the supervision of the Polish Financial Supervision Authority.
The procedure is made available to the Customer free of charge upon his request.
This procedure is effective from June 6, 2018.
AML & CFT Policy
Service BitClude leads an advanced policy of combating money laundering and financing of terrorism (AML / CFT) Countering the AML / CFT is based on multi level verifying user and running complex billing systems.
Minimum directive on which the system is based on:
- Directive (EC) No 1781/2006 of the European Parliament and of the Council of 15 November 2006
- Directive 2006/70 / EC of 1 August 2006.
- Directive 2005/60 / EC of the European Parliament and of the Council of 26 October 2005.
- Directive Of the European Parliament and of the Council (EU) 2015/849 of 20 May 2015.
Anyone wishing to withdraw the currency is subject to verification primary verification of which is to establish the basic personal data. Users who want to make payments for an amount in excess of EUR 10 000 shall be subject to further verification on the basis of relevant documents (eg. passport, identity card).
What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number, documents or other details to help you with your experience.
When do we collect information?
We collect information from you when you register on our site, fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
• To quickly process your transactions.
How do we protect your information?
We do not use vulnerability scanning and/or scanning to PCI standards. An external PCI compliant payment gateway handles all CC transactions. We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use 'cookies'?
• Help remember and process the items in the shopping cart.
• Understand and save user's preferences for future visits.
• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.
If users disable cookies in their browser:
If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.Some of the features that make your site experience more efficient and may not function properly.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.
California Online Privacy Protection Act
Can change your personal information:
• By logging in to your account
• By chatting with us or by sending us a support ticket
How does our site handle Do Not Track signals? We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking? It's also important to note that we do not allow third-party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.
We do not specifically market to children under the age of 13 years old. Do we let third-parties, including ad networks or plug-ins collect PII from children under 13?
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
• Within 7 business days
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
• Process orders and to send information and updates pertaining to orders.
To be in accordance with CANSPAM, we agree to the following:
• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can email us at and we will promptly remove you from ALL correspondence.
Investing in Cryptocurrencies is high-risk and can be speculative. You should be aware of the risks involved and fully consider whether investing is appropriate for you.
Legal Restrictions: without limiting the undermentioned provisions, you understand that laws regarding financial contracts vary throughout the world, and it is your responsibility to make sure you properly comply with any law, regulation or guideline in your country of residence regarding the use of the Site. To avoid any doubt, the ability to access our Site does not necessarily mean that our Services and/or your activities through the Site are legal under the laws, regulations or directives relevant to your country of residence.