GARANTEX USER AGREEMENT

This version is valid from November 05, 2022

RISK CONFIRMATION

As the value of virtual currencies is highly volatile and can increase or decrease at any time, it may pose a significant risk to the User. The User understands, acknowledges and accepts that he/she may lose money at the time of purchase, sale or any other transaction involving Digital Assets.

The User should carefully study the information about whether trading Digital Assets and/or cryptocurrencies is suitable for him/her in terms of his/her financial standing and circumstances.

The Company does not own or control the basic software protocols that regulate the operation of cryptocurrencies or Digital Assets. As a rule, the basic software protocols are "open source", so anyone can use, copy, modify and distribute them.

The Company does not bear any responsibility for the operation of the basic software protocols and cannot guarantee their functionality, security or availability. The User acknowledges and accepts the risk of possible changes in the basic software protocols related to any cryptocurrency or Digital Assets stored on the User's Account.

After the withdrawal of cryptocurrency or Digital Assets from the account has been requested by the User, Garantex is unable to cancel the transaction. The User is the only person solely responsible for any withdrawal transaction.

By registering on the Platform, the User assumes all possible risks posed by the cryptocurrency market.

Access to the Platform's services is of limited nature. Make sure that you meet the selection criteria set out in this Agreement. Currently, Garantex does not render any services to residents or citizens of the United States.

The User accepts the terms hereof by putting the required mark in a special field under the heading "I accept the terms of the User Agreement" in the registration form and clicking on "Continue" after the registration form.

The User undertakes to independently monitor new versions of the Agreement. By continuing to use the Platform after the changes come into force, the User automatically accepts the new version of the Agreement. If the User does not agree with the terms of the new version, he or she must cease using the Platform.

On the Garantex Platform, it is prohibited to use several accounts that are present as referrals to each other. The Exchange considers this violation as rough; it will lead to zeroing of referral links and referral allocations. The exchange also reserves the right to completely refuse service to the violator. Terms of use of the Referral Program are specified in clause 5.3. Agreements.

1. Subject matter

1.1. This Agreement (hereinafter referred to as "the Agreement") contains the terms and conditions of using the Garantex electronic platform located at https://garantex.io/ on the Internet (hereinafter referred to as the "Platform"), as well as the terms of access to the services provided by the Platform, and is concluded between Garantex Europe OU, a company (hereinafter referred to as "the Company") incorporated and operating in accordance with the Estonian legislation, registration number 14850239, address: Harju maakond, Tallinn, Kesklinna linnaosa, J. Poska tn 51a/1-3, 10150, and the Platform User (hereinafter referred to as "the User"), an individual who has passed the registration procedure on the Platform for the purpose of individual use.

1.2. This Agreement is an electronic contract between the User and the Company regarding the use of the Services provided by the Company. Any other written or oral agreements previously existing between the User and the Company in respect of such use are hereby replaced and terminated.

1.3. The Agreement shall be deemed accepted by the User if he/she has put the required mark in a special field under the heading "I accept the terms of the User Agreement" in the registration form and has expressed his/her consent to the terms hereof by clicking on "Continue" after the registration form.

2. Terms used herein

«Account» – an account created by the User on the Platform and containing his/her Credentials, information about the amount and composition of cryptocurrencies and assets in fiat equivalent, available for viewing in the User's Personal Account;
«User» – an individual who has passed the registration procedure on the Platform and is of legal age to perform monetary transactions, transactions with cryptocurrencies, as well as purchase and sale transactions in accordance with the legislation of his/her country;
«Services» – the Platform provides Users with services for using the Cryptocurrency Exchange and the Mining Pool;
«Digital Assets» – funds deposited by the User in fiat currency and/or cryptocurrency to the Account, as well as coins, tokens and other assets received by him/her as a result of using the Services;
«Cryptocurrency Exchange» – a digital site on the Platform designed for trading Digital Assets using fiat currencies;
«Mining Pool» – a digital site on the Platform designed to combine the power of Users' personal equipment in order to increase the probability of mining a block;
«Platform» – Garantex's digital site located at https://garantex.io/ on the Internet that provides the Services to Users, being a combination of data, software, websites, mobile applications, domain names, including any subdomains, digital content, and intellectual property objects. If a domain or a material of the Platform has to be changed for any reason, it includes the Platform after any such changes;
«Privacy Policy» – rules that govern the collection, storage, distribution and protection of Personal Data collected by the Platform from Users. The Privacy Policy forms an integral part of the Agreement and is available in Russian here: Privacy Policy;
«Agreement» – this User Agreement and its integral parts as amended;
«Verification Procedure» – an identification and authentication procedure based on biometric data, including fingerprints, facial recognition, copies of the User's documents, contact details, proof of residence in any jurisdiction that the Company may request;
«Credentials» – a set of the User's identification data, password, code, UID (a unique identification number), token and any other information or device provided to the User for accessing the Platform;
«Personal Data» – information that identifies a person, such as name, address, email address, trading information, bank details, biometric data. The term "Personal Data" does not include anonymous and/or aggregated data that does not allow to identify a specific User;
«Garantex code» – a method of transferring value between Garantex Users by assigning the fiat value of the code to a one-time set of characters, which, if activated in any User's Personal Account, replenishes his/her balance with the appropriate amount of funds;
«Proxy» – an individual who, after passing the Verification Procedure, has the right to act on behalf of and in the interests of the User by prior agreement with the Company;
«User's Personal Account» – an account on the Platform, access to which is provided to the User or a person authorized on his/her behalf via an individual link ("My Profile" in the Platform menu);
«P2P Platform» (peer-to-peer) — an exchange that directly connects buyers and sellers allowing them to perform global peer-to-peer transactions, create their own Orders (ads), choose from available offers made by other Users;
«Order» – a personal application of the User for buying or selling cryptocurrency. Each Digital Asset can be paired with another Digital Asset. An order can be placed both on the P2P Platform and on the Cryptocurrency Exchange.

3. Rights and obligations of the Parties

3.1. THE COMPANY HAS THE RIGHT TO:

3.1.1. Make changes to this Agreement and the Privacy Policy unilaterally at any time (https://garantex.io/privacy); the changes come into force immediately after publication of the new versions of the Agreement and the Privacy Policy on the Internet at https://garantex.io.

3.1.2. Unilaterally change the amount of commissions charged for operations and/or transactions performed by the User on the Platform.

3.1.3. To ensure security, the Company may restrict the withdrawal of cryptocurrencies from the User's account, the generation of Garantex codes, as well as the exchange of cryptocurrencies in the P2P section of the Platform for a period of 6 (Six) hours from the moment of the first replenishment of the User's account with fiat currency.

3.1.4. Suspend access to the provision of the Services at any time for technical reasons, since there are external factors that may affect the continuous provision of the Services.

3.1.5. Suspend, restrict or permanently revoke the User's access to the Account at any time and for any period with the prior notification of the User, if he/she violates any of the provisions hereof or other agreements that may be related to the User's use of the Services.

3.1.6. Make changes to the Platform's interface, texts, graphic elements, design, images, photos, videos and other results of intellectual activity, as well as a set of computer programs contained in the information system that ensure the availability of such information at https://garantex.io, including any subdomains.

3.1.7. At its discretion, limit the number of accounts that the User can have, maintain or purchase.

3.1.8. At any time, request personal information from the User, which may include photos and/or copies of the User's documents, payment bank card or any other document/information that the Company deems necessary.

3.1.9. Terminate access to content or services, upon receipt of a request from law enforcement agencies or other government bodies.

3.1.10. If the User's trading activity looks unusual or abnormal, the Company, at its discretion, has the right to stop processing the User's transactions until the situation is clarified and require the User to pass an additional verification procedure, or to request from him/her the necessary documentation that may be required by law or an agreement with counterparties.

3.1.11. In the event of default of the Platform, specify the date of termination and liquidation of all existing Orders. On or before the date of liquidation, the User is obliged to make any additional payments in accordance with his/her active Orders. Otherwise, the Company may liquidate any open position to ensure the required payments.

3.1.12. Not to provide services in all markets and jurisdictions; the use of the Platform in some countries may be restricted or prohibited. Currently, the Company does not provide the Services without any exceptions to the following jurisdictions: Afghanistan, Central African Republic, Congo-Brazzaville, Congo-Kinshasa, Cuba, Democratic People's Republic of Korea, Ethiopia, Eritrea, Iran, Namibia, Libya, Pakistan, Somalia, Sudan, Syria, Uganda, USA, South Sudan, Zimbabwe, Yemen.

3.1.13. In accordance with Directive 2015/849 of the European Parliament and of the Council of the European Union dated 20 May 2015, Garantex may restrict or prohibit the use of all or part of the Services, or allow the use of the Services only after passing the due diligence procedure by customers associated with the following high-risk countries/zones: Albania, Burkina Faso, Barbados, Cayman Islands, Cambodia, Haiti, Jamaica, Jordan, Mali, Malta, Morocco, Myanmar, Nicaragua, Panama, Philippines, Senegal, Turkey, Bahamas, Barbados, Botswana, Cambodia, Ghana, Iraq, Jamaica, Mauritius, Myanmar, Nicaragua, Panama, Trinidad and Tobago, Vanuatu, Republic of Crimea, Canada, China, Hong Kong, Israel, Japan, Kyrgyzstan, Mongolia, Tajikistan, Taiwan, Japan, Venezuela.

3.2. THE COMPANY UNDERTAKES TO:

3.2.1. Provide the User with a digital Platform for using the Services.

3.2.2. To maintain the security of the User's Account and not to transfer Credentials and Personal Data to third parties without his/her consent. To ensure the security of the User's Account and Personal Data by monitoring the state of the system and software, as well as providing timely equipment maintenance, anti-virus checks and installation of complex systems to protect the Account from unauthorized access.

3.3. THE USER HAS THE RIGHT TO:

3.3.1. To carry out transactions for the purchase and sale of cryptocurrencies at his/her own expense*.

3.3.2. To deposit and withdraw funds in fiat equivalent to his/her personal accounts.

3.3.3. Choose one currency for the Account registered by him/her and make an exchange of fiat currencies for cryptocurrencies.

3.3.4. To perform transactions with fiat currency only within the framework of transactions for the purchase/sale of cryptocurrencies.

3.3.5. Send a request to the Company's technical support at support@garantex.io to suspend, change or delete his/her Account, Credentials, Personal data.

3.3.6. View or download the information specifically provided by the Platform from the website or mobile applications only for personal purposes.

3.4. THE USER UNDERTAKES TO:

3.4.1. Not to use the Platform or the Services for any illegal purposes or other purposes not mentioned in the Agreement, not to transfer Credentials to any third party, and not to use the Platform for the benefit of any third party in any way.

3.4.2. Not to use any automatic device, program or methodology algorithm, or any similar or equivalent manual process to access, acquire, copy or control any part of websites, mobile applications or their content, or in any way reproduce or circumvent the navigation structure or look of websites, mobile applications or any content to obtain or attempt to obtain any materials, documents or information by any means.

3.4.3. Not to attempt to gain unauthorized access to any part or function of the Company's Services, or any other systems or networks connected to the Company's Services or server, by hacking or "mining" passwords or by any other illegal means, including using virtual private networks or any other mechanism that would facilitate the prohibited use/access to content or the Services.

3.4.4. Not to explore, scan or check for vulnerability technical services or any networks connected to the Platform's services, as well as not to violate security measures or authentication procedures, forge, falsify, make changes to any provided documents and Personal Data.

3.4.5. Not to attempt to track any information about any other User or visitor of the Platform's websites or mobile applications, including any account on the Platform's websites or mobile applications that do not belong to the User, or use any Service or information provided by the Company including, but not limited to Credentials or Personal Data other than the User's personal information, as provided for by a website or the Platform.

3.4.6. Not to use any device or software to interfere or attempt to interfere with the proper operation of the Platform or any transaction performed on its websites or mobile applications.

3.4.7. Not to forge headings or otherwise manipulate identifiers to hide the origin of any message or transmission of the Platform's data through websites.

3.4.8. Not to use the services of the Platform for any purposes that are illegal or prohibited by this Agreement or to request the performance of any illegal activity that violates the rights of the Company or other persons.

3.4.9. Not to use the Account for exchanging fiat currencies.

3.4.10. Notify the Company immediately if he/she discovers or suspect that there is a security breach related to the User's Account on the Platform's website.

3.4.11. Do not create multiple Accounts for personal use.

3.4.12. Independently monitor new versions of the Agreement. By continuing to use the Platform after the changes come into force, the User automatically accepts the new version of the Agreement. If the User does not agree with the terms of the new version, he or she must cease using the Platform.

4. Use terms of account

4.1. The Platform makes available a unique wallet address for each Account, allowing the User to deposit virtual currency to that Account and withdraw funds from it to an external wallet at the User's discretion.

4.2. The Platform acts as a custodian of the virtual currency stored on the User's Account on the Platform's website, and has neither access to the User's Account on the Platform's website, nor the ability to initiate any operations involving the User's accounts. The User is responsible for any transactions.

4.3. Garantex codes (RUB codes) that have been generated but remain unused for more than 6 (six) months will be blocked. To unlock the corresponding Garantex code, the User needs to contact the support service at: @garantexbot;support@garantex.io, or use an online chat at https://garantex.io/ and re-identify himself/herself (via the remote KYC procedure or by personal presence at the Company's representative office) or provide additional information in accordance with the requirements of the Company's employees.

4.4. To conclude a contract with the User, the Company is obliged to request Personal Data from the User, which may include copies of his/her documents, biometric data, contact details, proof of residence in any jurisdiction, etc.

4.5. By law, the Company is required to collect personal information about the User as part of the Know-Your-Client (KYC) and Anti-Money Laundering (AML) practices and the prevention of terrorist financing (The FATF Standards).

4.6. Before crediting any receipt of funds to the User's Account, the Company has the right at any time to request certain personal information from the User, which may include biometric data and/or copies of the User's documents, payment bank card details, and any other document/information that the Company deems necessary.

4.7. To pass the Verification Procedure, which requires personal presence at the Company's representative office in Moscow, receive face-to-face consultation, or performing operations for depositing and withdrawing funds, the User must contact the support service in advance at: Telegram @garantexbot; support@garantex.io, or online chat to https://garantex.io/, in order to receive a pass to enter the office building.

4.8. To ensure security, the Company imposes restrictions on the number of Authorized Persons specified during the Verification Procedure. During the Verification Procedure, a new User can specify one individual who will be authorized to act on his behalf when performing operations on the Platform. The Company reserves the right to provide Users with individual terms of use of the Platform.

4.9. The User receives the following levels of access to his/her Account on the Platform, depending on the completeness of the Credentials provided:

LEVEL 1

The User has registered on the Platform, but has not linked a phone number.
«+» email address (e-mail) confirmed from the browser;
«-» phone number not confirmed by SMS code;
«-» identity verification procedure not completed.

In this event, the User shall have access to:
«+» authorization on the Platform;
«+» trade viewing;
«+» work on the P2P Platform;
«+» viewing his/her Personal Account.

The User shall not have access to:
«-» making deposits and cash withdrawals;
«-» performing exchange operations (sale and purchase of cryptocurrencies);
«-» working with assets (depositing and withdrawing cryptocurrency);
«-» joining the Mining Pool.

LEVEL 2

The User has registered, confirmed the email address (e-mail) and phone number, but has not passed the Verification Procedure.
«+» email address (e-mail) confirmed from the browser;
«+» phone number confirmed by SMS code;
«-» identity verification procedure not completed.

In this event, the User shall have access to:
«+» authorization on the Platform;
«+» trade viewing;
«+» work on the P2P Platform;
«+» viewing his/her Personal Account;
«+» joining the Mining Pool;
«+» working with assets (depositing and withdrawing cryptocurrency);
«+» replenishment and generation of Garantex codes;
«+» withdrawal of the fiat balance to the cards (in the case of RUB balance, to bank cards);

The User shall not have access to:
«-» making deposits and cash withdrawals;

I.e. the User has access to the full functionality of the Platform, except for working with cash.

LEVEL 3

The User has registered, confirmed the email address (e-mail) and phone number, and has passed the Verification Procedure.
«+» email address (e-mail) confirmed from the browser;
«+» phone number confirmed by SMS code;
«+» identity verification procedure completed.

The User has access to the full functionality of the exchange.
The User can top up his/her Account and withdraw cash by depositing funds:

through representative offices in Moscow and other Russian regions and other countries around the world;
via the P2P Platform;
to bank cards of Sberbank, Alfa-Bank, Tinkoff, VTB and any other Russian bank.

5. Services

5.1. CRYPTOCURRENCY EXCHANGE:

5.1.1. The Company offers a digital Platform where buyers and sellers of cryptocurrencies can perform transactions for the purchase and sale of cryptocurrencies, including for the fiat currency, on the terms defined by this Agreement.

5.1.2. Any User registered on the Platform can join the Cryptocurrency Exchange.

5.1.3. Depending on the level of the User's Account, it has different degrees of access to Digital Assets obtained as a result of using the Cryptocurrency Exchange, defined in section IV hereof. To fully use the capabilities of the Cryptocurrency Exchange, the User must pass the Verification Procedure at the Company's office.

5.2. MINING POOL:

5.2.1. The Company provides a digital platform and a "special server" that receives and divides a large task into several small ones to distribute them among the connected equipment of Users and to combine the power of several miners' equipment, allowing to increase the probability of mining a block. The profit received as a result of mining a block is considered Digital Assets, for transactions with which the Company charges a commission in accordance with the conditions provided for in section VII hereof.

5.2.2. Any User registered on the Platform can join the Mining Pool.

5.2.3. When using the Mining Pool Service, the User connects his own equipment to a "special server". The Company is not responsible for the safety and technical condition of the User's equipment.

5.2.4. The profit for a block mined by the Pool shall be distributed equally among all Users.

5.2.5. Depending on the level of the User's Account, it has different degrees of access to Digital Assets obtained as a result of using the Cryptocurrency Exchange, defined in section IV hereof. To make full use of the Mining Pool's capabilities, the User must pass the Verification Procedure at the Company's office.

5.3. REFERRAL PROGRAM:

5.3.1. Under the terms of the referral program, the user receives 33% of the commission of attracted clients.

5.3.2. The referral program applies only to orders between cryptocurrency and fiat funds (both ways).

5.3.3. The partner's income is accumulated in rubles on a special AFF account and can be withdrawn in any standard way.

5.3.4. The user can only be a sponsor (cannot be a referral).

5.3.5. The company has the right to change the rules of the referral program with a 30-day prior notice. The user undertakes to independently monitor changes in the terms of the referral program on the platform's website, in the "rules and commissions" section at: https://garantex.io/rules.

5.3.6. If the user uses several accounts that are referral to each other to receive referral savings, or there are suspicions of other fraud with referral links/program, the company has the right to freeze and/or write off such referral savings in whole or in part, followed by blocking the user account, without the right to restore.

6. Responsibilities of the parties

6.1. RESPONSIBILITIES OF THE USER:

6.1.1. The User is solely responsible for the password that he/she assigns to the Account, as well as for its security and protection from information disclosure.

6.1.2. The User is fully responsible for all actions related to the use of the Services through his/her Account using a password, as well as for the security of his/her own computer systems and technical equipment.

6.1.3. In the event of losses to the Company caused by the User's fault, the User undertakes to compensate the Company, its officers, directors, shareholders, legal successors, employees, agents, subsidiaries and branches for the real damage and lost profits.

6.1.4. The User is fully responsible for the use of the Services, his/her actions when using the Platform, operations and transactions performed, as well as the information and documentation provided.

6.1.5. The User acknowledges and agrees that any blockchain transaction made is irreversible. The User is fully responsible for providing correct information about the recipient's wallet for transferring Digital Assets via the Platform services.

6.1.6. The user is not entitled to use several accounts that are referral to each other in order to receive referral savings, as well as to carry out any other fraud with referral links/program. In case of violation of this clause, the User is liable in accordance with clause 3.1.14. actual Agreement.

6.2. RESPONSIBILITY OF THE COMPANY:

6.2.1. Unless provided by law, the Company is not liable to the User for any damages, loss of expected gain, material damage, indirect losses and loss of profit, even if the Company is notified of the possibility of such damage.

6.2.2. The Company is not responsible for events beyond its control, such as blockchain transactions involving a specific Digital Asset.

6.2.3. Buyers and sellers of Digital Assets trade with each other, and the Company is not a counterparty to any transactions made by the User.

6.2.4. Should the Company take any legal action against the User as a result of his/her violation of the terms hereof, the Company has the right to indemnification of the costs incurred, and the User agrees to pay all reasonable legal costs and expenses for such legal action, in addition to any other costs incurred by the Company.

6.2.5. The User agrees that the Company will not be liable to the User or any third party for the termination of the User's access to the Company's Services as a result of any violation by the User of the terms of this Agreement.

6.2.6. Depending on the User's place of residence, there may be other factors to restrict Users from using the Services or part of them. The User is solely responsible for compliance with the relevant laws in force in the territory of his/her residence (registration) and/or the territory of stay from which the User logins on the website and/or the Platform and/or uses any Services.

7. Commissions charged by the Company

7.1. The Company charges the commissions from transactions with Users' Digital Assets.

7.2. The amount and conditions for charging commissions for transactions on the Cryptocurrency Exchange and P2P Exchange, as well as for other Services provided by the Company on the Platform, are posted in the "Rules and Commissions" section on the website https://garantex.io/rules, as well as in the "Fees" on the site https://garantex.io/pages/fee/crypto.

7.3. The User undertakes to independently monitor the conditions for charging commissions and their changes on the Platform's website.

7.4. The User's turnover is calculated as the aggregate turnover for the previous 30 calendar days in RUB for RUB accounts, or in RUB equivalent at the RUB exchange rate on the day of transactions for USD and EUR accounts), and is registered daily at 03:00:00 Moscow time (UTC+3:00). The User's commissions, depending on his/her turnover, come into force within an hour from registering the turnover and are valid until the next commission comes into force.

7.5. The Company's commissions are charged regardless of and in addition to blockchain commissions when withdrawing the corresponding cryptocurrencies to wallets outside the Platform.

8. Guarantees

8.1. The User agrees that transactions having signs indicative of money laundering may be blocked.

8.2. The Company is not affiliated with or supported by any third party; the Company does not cooperate or work with any third party including, but not limited to, various service providers such as casinos, binary brokers, forex brokers, etc.

8.3. The Company operates independently of regulated or unregulated brokers.

8.4. The Company does not have access to the User's Digital Assets and cannot initiate transactions from his/her Account.

8.5. The Company does not guarantee error-free or continuous provision of the Service, or correction of all defects, or certain results of using the Services by the User.

8.6. By using the Company's Services, the User accepts all risks, and the Company has the right to assume that the User has enough experience and knowledge to understand the risks associated with each transaction.

8.7. When registering on the Platform, the User declares and guarantees that:

the User is at least 18 years old or has reached the legal age of concluding contracts and assuming obligations under them in accordance with the legislation applicable in his place of residence or stay;
the User is an individual with full legal capacity and sufficient authority to conclude this Agreement;
the User was not previously prohibited or temporarily restricted from using the Company's Services and/or Platform;
currently, the User does not have an Account on the Company's Platform.

8.8. The use of the Platform and the Services by the User is governed by international control requirements and economic sanctions. By sending, receiving, buying, selling, trading or storing Digital Assets on the Platform, the User agrees that he/she must comply with these requirements. The User is not allowed to perform transactions or any operations on the Platform or use the Services if:

the User is controlled by, or is a resident/citizen of one of the jurisdictions included in the high-risk group and other controlled jurisdictions in accordance with the definition of the Financial Action Task Force on Money Laundering (FATF), or a jurisdiction prohibiting the use of Cryptocurrencies, or another jurisdiction with strategic deficiencies in the regulation of anti-money laundering and combating the financing of terrorism, which pose significant threats to the EU financial system in accordance with the Commission Delegated Regulation (EU) 2016/1675, or falling under the UN Security Council sanctions list (hereinafter referred to as the "Sanctioned Country"), or if the User is included in the Specially Designated Nationals List by the US Treasury Department or the Blocked Persons List by the US Department of Commerce, or falls under the regime of financial sanctions introduced by the EU or the Ministry of Finance of the United Kingdom (hereinafter referred to as the "Sanctioned Person");
The User is a resident and/or a citizen of the United States;
The User is controlled by or is a resident/citizen of an unrecognized country, territory or jurisdiction that requires a mandatory national license or special registration to make transactions with Cryptocurrency, which the Company may not have;
The User is a person who does not comply with any standards, needs or requirements of this Agreement, or belongs to a high-risk group, including, but not limited to, the factors listed above.

9. Governing law and dispute resolution

9.1. The use of the Company's Services is regulated by the legislation of Estonia, and any disputes arising in accordance with the interpretation of the terms hereof and/or violation of the Agreement in relation to the Services must be settled through negotiations. In the event of a failure to settle the dispute through negotiations, the User and the Company agree to refer the dispute to the competent courts of Estonia.

If you still have any questions, please contact the Garantex support service: telegram @garantexbot, support@garantex.io online chat on https://garantex.io/