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Terms of Use

Please read these Terms of Use carefully before using Chatex platform to know your legal rights and obligations.

Acceptance of Terms

Chatex platform is provided services (hereinafter referred to as the “Service”) to users in accordance with the Terms of Use (hereinafter referred to as the “Terms”), which is covering the provision of Chatex services by IZIBITS OÜ (hereinafter referred to as “Chatex” or “Us” or “Our” or “We”) to you (hereinafter referred to as “You” or “User”). Any User who starts to use the Service confirms by its actions that he has read and accepted all the Terms and shall comply with them. If you disagree with any condition or provision of the Terms, then you should not use the Service and You have no right to register an account with the Service.

Changes of Terms

From time to time the Service is modified and improved due to the needs of the Users and the requirements of laws and regulations. Chatex reserves the right to amend the Terms, and the amendments shall be made by way of publishing the amended Terms. The new Terms come into effect at the moment of its publication (unless otherwise stated in the new version of the Terms). The new Terms apply to all Users, including those who have previously used the Service. The use of the Service by the User means that the User automatically agrees with and accepts the new Terms. If the User does not agree with any part of the Terms, then he shall stop using the Service.

Common description

Chatex is a platform service for connecting and enabling its users to exchange their local currency (fiat currency) to the cryptocurrency and vice versa with other users as well as to exchange their cryptocurrency to other cryptocurrencies by the way of trades carried out between users on a p2p (peer-to-peer) basis. Cryptocurrency means crypto tokens that uses as a currency only and have no utility, security or other rights, derivatives, or else except currency. The platform service allows it users to set up trades by posting advertisements where they state the exchange rate, payment method(s) and other terms of buying and selling their cryptocurrency. Then other users can reply to the advertisement(s) and then the parties (buyer and seller) can agree to trade with online banking or any other available instant method of payment (e.g. PayPal, Neteller, AliPay, etc.). In order for a user to sell his or her cryptocurrency he or she (hereinafter referred to as the “Seller”) must store his or her cryptocurrency in the Chatex wallet from where the purchased cryptocurrency is transferred to the Chatex wallet of the user purchasing the cryptocurrency (hereinafter referred to as the “Buyer”) upon confirmation of the receipt of the sum equal to the trade price by the Seller. Chatex allows its users to perform peer-to-peer exchange through advertisements to all users of the service. Trading deals on Chatex platform can be executed only between the users of Chatex platform. Chatex is not a cryptocurrency marketplace and is not a party of the sales-purchase deals. We make our best efforts to protect our users and provide them the safe Service for comfortable and secure trading.


Any User who uses the Service confirms that it has reached the appropriate age to enter and execute deals and has all rights by laws of his jurisdiction to use the Service; has rights to enter into any agreements and to make and receive payments.

The User also acknowledge and assure that there is no legal requirements or restrictions by legislation of country of it residence that can restrict access to the Service, and confirms that the User’s fiat and cryptocurrency funds were receive by the User from the legal sources and in accordance with applicable legislation. We do not check the legality of fiat or cryptocurrency funds sources and does not accept any liability for your activity. All deals are executed not with Chatex, but between Users so all claims and actions shall be held on their behalf. If there is any restrictions or requirements to be met to execute deals by the user, this user has no right to use this Service.

Use of the Service


For the registration of account in the Service and for having access to the Chatex platform (hereinafter referred to as the “Account”) You shall provide us with the registration details. The user confirms that provided registration details are actual, valid and correct. Chatex platform is entitled do not provide and shut down access to the Service for the user who breaches the terms or commits any alleged fraudulent actions, provided false information or other breaches of the relevant rules, laws or other applicable regulations. We may require from time to time and the user shall provide us with the required ID documents or any additional documents for buying or selling deal upon Our request. If the user refuse to provide the required documents, then it shall be deemed as violation of the Terms and access for trading may be suspended for the user until all necessary details are clarified. You shall use the Service on your own behalf only, no proxy or representative services aloud. Your account shall not be used as an intermediary or make available your account for any third parties. You shall use one account at a time for trading.


For cryptocurrency trading with other users You may use Advertisements (hereinafter referred to as the “Advertisement” or “Ad” or “Ads” or “Adverts”) to buy or sell cryptocurrency. Create your own Ads or use Ads of the other users contained in the Service to proceed the new Trades (hereinafter referred to as the “Trades” or “Deals” or “Transactions”).

The Advertisements shall contain all terms and conditions of Trades, including, but not limited, User’s account details at the Chatex platform, total price with all fees and commissions of the Service, all additional fees and commissions, full valid payment details, etc.

Users are responsible for the correctness of the information contained in their Advertisements, and responsible for the fraudulent actions in connection with fake and false information in the Advertisements.

User shall place its cryptocurrency Advertisements to the relevant payment category.

If the Seller would like to initiate Deal, full amount of the traded cryptocurrency shall be transferred to the client’s account with Chatex platform and shall be blocked there during the whole trade process finalizing until the Seller has confirmed the receipt of payment in full.

Seller and Buyer shall provide all the required ID documents, proofs of payments and other additional documents upon request by Chatex at any step of Deal. The not providing of the requested documents is a violation of the Terms so Chatex may cancel the Deal at it sole decision.

Buyer shall provide proof of payment in three (3) hours from request of Chatex support staff. If Buyer does not provide the proof of payment, or the proof of payment is unreadable, or cannot be acceptable by any adequate reason, or Chatex have a reason to believe a Buyer may be engaging in fraudulent activity, then Chatex have the right to block, remove all or part of Your Advertisements, and We may provide the Buyer’s information to the Seller for the purposes of recovering the funds and/or preventing or investigating fraudulent activity. In addition, Chatex reserve the right to provide data, documents and information of fraudulent party to enforcement agencies. If User tries to execute Deals without escrow or without the proof of payment, then we may deactivate Your Account.

Online Advertisements

Online Advertisements are advertisements in the categories “Buy cryptocurrency” and “Sell cryptocurrency” or any other advertisement where the payment method is any other than cash or the advertisement type is instant buy or instant sell.

  • You are allowed to have active Advertisements with only one Account at a time.
  • You must place your Advertisements in the correct payment category.
  • Multiple Advertisements for the same payment method and same fiat currency are not allowed.

Trade Disputes

Chatex support staff shall check the all terms of the Advertisement and full information in it, check proof of payments, Users’ portfolio data, their chat conversations, their ratings, etc.

In case if Seller or Buyer disagree with any action of each other or disagree with any conformation document, then Chatex support staff may resolve such Trade disputes by their discretion.

If Seller or Buyer provided the payment details not in Chatex, then Chatex support staff may resolve the dispute without taking the payment details into consideration.

Suspension and Termination

We use automated fraud and risk modeling when assessing the risk associated with Your Account, Your Advertisements and Your trades. If this modeling shows that your Account pose a fraud risk, or a high risk to Chatex and/or our customers, we will consider you in breach of this Agreement (Terms of Use) and may temporarily limit Your Account pending our manual review and/or additional identity verification measures required from You.

Furthermore, we have the right to, at our sole discretion, suspend, limit or terminate the use of Your Account and/or suspend the use of, hide or remove any advertisements or other material you have submitted to the services with sole decision and without explanation or if (but not limited to):

  1. We have reason to believe that you have acted in violation of this Agreement (Terms of Use) or that any content or material submitted or shared by You in or through the Services violates this Agreement (Terms of Use) or the intellectual property rights, other property rights or the right to privacy of any third party;
  2. We have reason to believe that your using of the Services is in violation of any applicable law or regulation, or that You are using the Services in a fraudulent manner or otherwise contrary to the purpose of this Agreement (Terms of Use);
  3. We have reason to believe that you have supplied false, misleading or deceptive information in connection with Your registration, identity verification, transactions or any other use of the Services, either to us or to another user;
  4. You have not responded to our inquiries or supplied the information requested by us within a reasonable period of time; or
  5. We are required to do so under any applicable law, regulation or an order issued by an authority.

Our above right includes the right to limit access to Your Account balance for up to 180 days, or even longer if pursuant to a court order or other legal process or obligation, or if You have not completed the additional identity verification measures we have requested from You, or if we have reason to believe that you do not have the right to access or control the Account or the cryptocurrency funds on that Account.

If We determine that you have at any previous point in time violated this Agreement (Terms of Use) or any other agreement that you have entered into with IZIBITS OÜ, we will immediately close, suspend or limit Your Account and cryptocurrency balance.

Although We reserve the right to terminate your use of the Services immediately and without any information from You in any of the above circumstances, we wish to deal with such situations in a fair and proportionate manner. Depending on our legal and contractual obligations, the urgency of the issue and the way We decide to balance the interests requiring protection, we will usually strive to inform and hear You before We take actions based on our abovementioned rights under this Section, particularly if it involves the permanent termination of Your Account and/or any content or materials associated with it. By using the Services, however, you agree and acknowledge that this is not always possible and that we are not in any circumstance liable for any damage, losses, expenses or harm resulting from the use of our rights under this Section.

Fees and Pricing

The Services are provided to You against fees determined on a per transaction and/or per advertisement in accordance with the prices and pricing principles set out on Chatex platform at the time of relevant transaction, creation of advertisement or the fulfillment of any other fee basis. Such fees may include e.g. percentage-based fees for incoming and outgoing transactions or advertisements created and they may be deducted from your Chatex wallet balance or deposit. In addition, the fees may include percentage-based fees for merchant invoicing services deducted from the paid invoice amount you decide to order from us.

Service charge fee from the Ad Owner after completed transaction. Current fee can be found under the Information section inside the platform.

Account fees

Transactions are sent to network with a timeout. Real network fee and time to first confirmation depends on current network status and settings of cryptocurrency wallet that we set by our discretion.

Referral payments

If you invite new user via your personal link and he is locked as your “referral”, you will get dividends from his exchange activity. We pay dividends after service fee will be charged, and if this user was the one who respond to the existing advertisement created by another user. We do not pay dividends from wallet and withdraw fees!

Current percentage can be found under the Information section inside the platform.

System Abuse

You expressly agree and obligate not to:

  1. Use the Services in a manner which may cause the Services to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the Services is in any way impaired;
  2. Use the Services or the platform Chatex (or any part of them) for any illegal purpose;
  3. Misrepresent your identity or credentials, or use those of another person, in engaging with us or any other persons on the platform or via the Services;
  4. Attempt any unauthorized access to any part or component of the Services, bypass or break any security mechanism of the Services or use the Services in any other manner that poses a security risk to us or any of our users;
  5. Use the Services to engage in or in connection with fraudulent activity;
  6. Use the Services to harvest or otherwise collect information about others;
  7. Launch or facilitate, whether internationally or uninternationally, a denial of Service attack on the Services or engage in any other conduct that adversely impacts the availability, reliability, or stability of the Services;
  8. Reverse-engineer the Services to find limitations or vulnerabilities;
  9. Alter or modify any part of the Chatex platform or the Services;
  10. Send, create or reply to so called mailbombs (i.e., emailing copies of a single message to many users, or sending large or multiple files or messages to a single user with malicious intent) or engage in spamming (i.e., unsolicited emailing or messaging for business or other purposes) or undertake any other activity which may adversely affect the operation or enjoyment of Chatex platform by any other person;
  11. Reproduce, sell, resell or otherwise exploit any resource, or access to any resource, contained on the Chatex platform.

PIN-code and other Security

User shall use his PIN-code of the Chatex platform for the individual use only and could not be sent, disclosed or transferred to any other person. User shall contain the PIN-code in the safe and secure place, and shall be responsible for the security of the PIN-code by his own. Chatex reserves the right to monitor the security of Your PIN-code and may require to make the password more safety or suspend your account until You change the PIN-code. You shall not use PIN-code guessing programs, cracking tools or network probing tools.

IZIBITS OÜ is entitled to provide any of your details to other state authorities, upon request, in order to prevent fraud and help them to resolve investigations.

Personal data

We may process your personal information as long as it is necessary for operations to comply with applicable laws and in order to prevent fraud.


IZIBITS OÜ reserves the right to investigate suspected violations of this Agreement (Terms of Use), including without limitation any violation arising from any submission, posting or messaging via platform. IZIBITS OÜ may seek to gather information from the user who is suspected of violating this Agreement (Terms of Use), and from any other user. IZIBITS OÜ may suspend any users whose conduct or postings are under investigation and may remove such material from its servers as it deems appropriate and without notice. If we believe, that a violation of this Agreement (Terms of Use) has occurred, we may edit or modify any submission, posting or messages, remove the material permanently, cancel postings, warn users, suspend users and passwords, terminate accounts or take other corrective action it deems appropriate. IZIBITS OÜ will fully co-operate with any law enforcement authorities or court order requesting or directing IZIBITS OÜ to disclose the identity of anyone posting any messages, or publishing or otherwise making available any materials that are believed to violate this Agreement (Terms of Use).


The materials, information and opinions included and/or expressed in or on the messages, feedbacks, advertisements on Chatex platform are not necessarily those of IZIBITS OÜ or its affiliated and related entities or content providers. IZIBITS OÜ is not responsible for monitoring or reviewing the messages, feedbacks or advertisements and the content of the messages, feedbacks or advertisements is not the responsibility of IZIBITS OÜ. We may remove or modify any content without notice or liability at any time in sole discretion. Any use of the messages, feedbacks, advertisements or any other content on Chatex platform will be at your own risk and will be subject to the disclaimers and limitations on liability set out above.

Posted materials

User of the Service shall act responsibly when using Chatex platform. You expressly confirm that the third party claims to IZIBITS OÜ on the material that you have contributed to the Chatex platform is unlawful, and You solely bear responsible for the publicly posted or otherwise transmitted to or through Chatex platform materials.

You shall not post any unlawful content, including, but not limited, the content that:

  1. violates any applicable laws;
  2. advertises any commercial endeavor;
  3. threatening or offensive;
  4. invades privacy, infringes any intellectual property rights;
  5. is obscene, racist, abusive, pornographic, harassing, etc.

Also you have no right to remove any sponsorship materials on the Chatex platform.

Third-Party Sites

Chatex platform may contain links to other resources. IZIBITS OÜ is not responsible for the privacy practices of such resources. This privacy statement applies solely to information collected by IZIBITS OÜ.

Chatex platform may link you to other services, sites, chatbots and other resources (hereinafter referred to as “Resources”) on the Internet. These resources may contain information or material that some people may find inappropriate or offensive. These other resources are not under the control of IZIBITS OÜ, and you acknowledge that (whether or not such resources are affiliated in any way with Izibits) IZIBITS OÜ is not responsible for the correctness and legitimacy of the content of such resources.

Online Payment Methods

IZIBITS OÜ or Chatex are not associated with any of the trademarks which might appear visible in the Online Payment method lists or advertisement details. Including, but not limited to Alipay, AstroPay, BPAY, CashU, Chase Quickpay, Dwolla, Easypaisa, EgoPay, Amazon Gift Card Code, Apple Store Gift Card Code, Ebay Gift Card Code, iTunes Gift Card Code, Starbucks Gift Card Code, Steam Gift Card Code, Walmart Gift Card Code, Google Wallet, Hal-cash, hyperWALLET, Interac e-transfer, MobilePay FI, MobilePay, MobilePay NO, Moneybookers / Skrill, Moneygram, MoneyPak, M-PESA Kenya (Safaricom), M-PESA Tanzania (Vodacom), Neteller, NetSpend Reload Pack, OKPay, Paxum, Payeer, Paym, Paypal, PayPal My Cash, PaySafeCard, Payza, Perfect Money, Pingit, PYC, PostePay, QIWI, Reloadit, RIA Money Transfer, Serve2Serve, SolidTrustPay, Square Cash, Superflash, Swish, Tigo-Pesa Tanzania, Transferwise, Ukash, Vanilla, Venmo, Vipps, Walmart 2 Walmart, WebMoney, Western Union, Xoom, Yandex Money, or any other payment method. Chatex does not itself support these payment methods, or claim to be in partnership with them. Also, services provided by IZIBITS OÜ and Chatex are not authorized, approved, endorsed or sponsored by any of the payment methods listed above or their respective trademark owners. Payment method listings are visible on Chatex platform for informative purposes only. Trademarks, which might appear visible on Chatex platform, belong to the respective trademark owners alone.

Disclaimer of Warranties

The Company notifies all Users and Stakeholders that the Service is in Beta stage for the purpose of research and development and is only provided to you with the aim of launching experimental content; to gauge how it works; find out how to make our Service better and more comfortable for Users; and to receive feedback from users regarding the website and Service.

In connection with the above-mentioned information, the Service may have a number of functional limitations, and significant changes may be made to the Service operations. When beginning to use the Service, the User expressly agrees to an "AS IS" and "as available" basis, without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose or non-infringement. You acknowledge that we have no control over, and no duty to take any action regarding: which users gain access to or use the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.

You release us from all liability for you acquiring or not acquiring Content through the Service. We make no representations concerning any Content contained in or accessed through the Service, and we will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service.

By utilizing the Service or interacting with the Content or platform in any way, you represent that you understand the inherent risks associated with cryptographic systems; and warrant that you have an understanding of the usage and intricacies of public/private key cryptography, native cryptographic tokens, like Bitcoin (BTC), Ether (ETH), smart contract-based tokens such as those that follow the Ethereum Token Standard, and blockchain-based software systems.

You acknowledge that information you store or transfer through our services may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, including software failures, protocol changes by third party providers, internet outages, force majeure event or other disasters, scheduled or unscheduled maintenance, or other causes either within or outside our control. You are solely responsible for backing up and maintaining duplicate copies of any information you store or transfer through our Services.

After you begin using the Service you can send feedback to the Company regarding how the Service works, or feedback, suggestions of Service development, or any analytical information. At the same time, the Company notifies all Users and Stakeholders that such information as well as User’s feedbacks are voluntarily and without any payment from the Company.

Your participation, via providing feedback or information, does not mean that the Company is entered into testing, employment, or any other type of reimbursable agreement with you, and it does not mean that it would have any consequences.

Users and Stakeholders shall take into account that the provided feedbacks and information are accessible to employees and partners of the Company, and may become available to other Users and Stakeholders, or may be published by the Company, or may be otherwise disclosed. In connection with the above-mentioned we recommend you follow the ethical principles of communication, as well as requirements to the content of public or non-public messages. Users and Stakeholders solely control their personal data, confidential information, or information that is not subject to disclosure. Users are solely responsible for content of their feedbacks, or possible disclosure of feedbacks, or suggestions to the development of the Service or analytical information.


IZIBITS OÜ is not responsible for any loss of Users’ or third party’s, including information in the Content of the Service about the Users and third parties, or any loss of profit, that may arise as a result of any events that are not under the control of the platform, including, but not limited to the results of natural or man-made events (earthquakes, fires, floods, hurricanes, other emergencies, wars and conflicts, blockades, sanctions, political and economic restrictions, strikes, changes in legislation, man-made disasters), or the result of actions of third parties, including changes to service providers, software and equipment.

Governing Law and Severability

If any provision of this Terms is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of the Agreement will remain in full force and effect, and the provision affected will be construed so as to be enforceable to the maximum extent permissible by law.

The Services are controlled and offered by Us from Estonia. User expressly confirms and agree that the Terms shall be governed in all respects by the laws of Estonia, without regard to their choice-of-law provisions, and excluding the application of the 1980 U.N. Convention on Contracts for the International Sale of Goods. User agree that all disputes, claims and proceedings arising out of or relating to the services shall be resolved by the competent courts of Estonia. However, we shall always have the right to take legal proceedings in the court of competent jurisdiction of your domicile. All claims shall be brought within one (1) year after the claim arises.

How to Contact Us

This Chatex platform is owned and operated by IZIBITS OÜ, an Estonian limited liability company. You can contact us at any time. Please send us any questions, requests, general correspondence, or notices under or in connection with this Agreement (Terms of Use), by contacting our support staff. Particularly in the case of sending any notices under this Agreement (Terms of Use), please ensure that you have received an acknowledgement from us, which we will aim to send to you within 5 working days of our receipt and should be retained by you.

By using the services, you agree that any notice, disclosure, agreement or other communication that we deliver to you electronically via built-in support chat or to the e-mail address you have defined in your account settings will satisfy any legal communication requirements, including that such communications be in writing.

Intellectual Property Rights

All Trademarks, Software and other copyrights provided on the platform are the property of the IZIBITS OÜ and protected by trademark and copyright laws. Nothing in the Terms or other documents gives anyone more rights than provided in the Terms. You are permitted to use this platform and our services only as expressly authorized by us.


Date of the last version: 5th of September, 2018

This Privacy Policy is designed to assist you with understanding how chatex.com ("Chatex", "platform", "we", "us" or "our") collect, use and disclose the information that you provide us when accessing or using the platform, receiving services (“Services”). The terms “you” and “your” refers to any User either individuals or entities that use our Services or visit our platform. This Policy describes the types of information that we may collect and hold; how we use and share the information; and how you can correct or change your personal data. Our Privacy Policy applies to the Service offered by the Company on the platform, and to any information that becomes available to the Company relating to any User of the Service or platform. This Privacy Policy does not apply to the other services of the Company, which have separate privacy policies.


We may change this Privacy Policy in our sole discretion at any time. Any revisions to this Privacy Policy will be posted with the platform. User agrees that it is User's obligation to visit our platform to review any changes that may be made to this Privacy Policy and other public documents with the platform. If you continue to use our Services or platform after such changes have been made, you hereby provide your consent to the changes. If you do not agree with this Privacy Policy, you shall exit the platform and are not authorized to use our platform.


When you visit our platform, you may provide us with three types of information: individual and institutional information that you voluntarily disclose that is collected on an individual basis; and information collected automatically when you use our platform or the services available on our platform (collectively, the "Information"). By providing us with your Individual information or Institutional information, you also expressly agree that we may collect, hold, use and disclose this Information in accordance with this Privacy Policy. In addition to providing the foregoing information, if you choose to correspond further with us through e-mail or through the "contact" section of our platform, we may retain, use and disclose the content of your messages together with your e-mail address and our responses. Depending on at what stage the offered product is (pre-start collection of applications; commence of rendering of the full Service; connection of the additional services), Chatex has a right to:

  • collect full or part of the provided information;
  • process, use or transfer the information by all or part of the claimed methods;
  • stop collecting, processing, using, transferring and storing information.

Such changes shall not be necessarily announced by Chatex and may not be a reason for limitation of rights of Users, owners of the provided information and may not be a reason for any claims and charges against Chatex.


Individual information is collected only when it is voluntarily and solely provided for purposes that are clearly identified on our platform. Individual information means any information that is unique to you, such as your:

  • Name;
  • Username;
  • E-mail address;
  • Cryptocurrency "wallet" address;
  • Mailing address;
  • Contact details;
  • ID data (if applicable);
  • Password (if applicable);
  • Other personal information that User may decide to provide;

Other information required by Chatex for KYC, AML and supplying new services purpose.


With respect to institutional customer, we attempt to collect, verify, and authenticate the following information:

  • Institution legal name;
  • Employer Identification Number (“EIN”) or any comparable identification number issued by a government (if applicable);
  • Full legal name (of all account signatories and beneficial owners) (if applicable);
  • Email address (of all account signatories);
  • Mobile phone number (of all account signatories);
  • Address (principal place of business and/or other physical location);
  • Proof of legal existence (e.g., state certified articles of incorporation or certificate of formation, unexpired government-issued business license, trust instrument, or other comparable legal documents as applicable) (if applicable);
  • Contract information of owners, principals, and executive management (if applicable);
  • Proof of identity (e.g., driver’s license, passport or government-issued ID) for each individual beneficial owner that owns 10% or more, as well as all account signatories (if applicable);
  • Identifying information for each entity beneficial owner that owns 10% or more (see individual customer information collected above for more details).

Other information required by Chatex for KYC, AML and supplying new services purpose.


When you use our platform, we automatically collect information from your devices. We collect the following information:

  • Server Log Information: We collect server log information when you use our platform, which may include (but is not limited to) your login details, the date and time of visits, the pages viewed, your IP address, time spent at our platform.
  • Device Information: We collect information about the computer or mobile device you use to access our platform, including the hardware model, operating system and version, the web browser you use, and other device identifiers.
  • Telemetry Information. If you use any of our open source software, we may collect bandwidth upload and download speeds, the amount of free and used storage space on your device and other statistics about your device.
  • Usage Information. If you use our platform, we will collect metadata about the files you upload for storage and we will record instances in which you have used your private key to authenticate communications.

Information Collected by Cookies and Other Tracking Technologies: We and our Service providers use various technologies to collect information when you interact with our platform, including cookies and web beacons. Cookies are small data files that are stored on your device when you visit a platform, which enable us to collect information about your device identifiers, IP address, web browsers used to access the platform, pages or features viewed, time spent on pages, mobile app performance and links clicked. Web beacons are graphic images that are placed on a platform or in an email that is used to monitor the behavior of User visiting the platform or sending the email. They are often used in combination with cookies.


We collect, hold and use the Information in accordance with laws of different jurisdictions to protect our Users, Service and to prevent fraud.

We will only use the Information for purposes of:

  • analyzing and tracking data to determine the usefulness or popularity of certain content and to better understand the online activity of our platform users;
  • providing, maintaining, delivering or improving our platform or the products or services provided by us our partners;
  • fulfilling our legal or regulatory requirements including KYC, AML and any other requested procedures;
  • providing you with the information or products or services;
  • answering your inquiry or responding to a communication from you;
  • developing new products or services;
  • sending you technical notices, support or administrative notifications;
  • communicating with you about news, products, services, events and other information we think will be of interest to you or required to be received from you;
  • matching your Information with open data and other resources;
  • monitoring and analyzing trends, usage and activities in connection with our platform;
  • detecting, investigating and preventing potential fraudulent or unauthorized or illegal transactions or activities;
  • protecting the rights and property of Parties (as defined below) and others;
  • linking, connecting or combining Information we collect from or about you with other Information; and
  • carrying out any other purpose or reason for which the Information was collected.
  • to process transactions and send notices about your transactions;
  • to verify your identity by comparing your personal information against third-party databases;
  • to send administrative or account-related information to you;
  • to provide a personalised experience, and implement the preferences you request;
  • to enhance security, prevent fraud, monitor and verify identity or service access, combat spam or other malware or security risks;
  • to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences (where this in accordance with the law);
  • to interact with you on third party social networks (subject to that network's terms of use);
  • to communicate with you about our events or our partner events;
  • to resolve disputes, collect fees, and troubleshoot problems;
  • to comply with legal obligations;
  • to enforce our agreements with third parties;
  • for supervising quality control and staff training.


You empower us and we will share Information about you in the following cases:

  • with our current or future parent companies, affiliates, subsidiaries and with other companies under common control or ownership with us or our offices internationally;
  • with third parties or service providers that perform work for us or at your request;
  • certain information you may choose to share may be displayed publicly, such as your username and any content you post when you use interactive areas of our platform like our online forums;
  • in connection with a merger, assign or sale of our company assets, or if we do a financing or are involved in an acquisition or any other situation where Information may be disclosed;
  • in response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation or legal process;
  • if we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property and safety of any Party or others; and
  • with third parties where aggregate Information is disclosed which cannot be reasonably be used to identify you.


In this Section we set out:

  • External services ("processors") that we use for processing personal data on behalf of us;
  • Types of personal data that processors may process;
  • The reason for using them.

For processing ID data, we use verification service by SUM AND SUBSTANCE LIMITED, a company incorporated and registered in England with company number 09688671, whose registered office is at Suite 1, 5 Percy Street, Fitzrovia, London, England, W1T 1DG, ID may contain your photo, full name, address, date and place of birth, social security number and gender. The reason of netverify service is checking whether the person is on any of the global sanctions lists, PEP lists, watchlists, blacklists or comes from prohibited countries.

For behaviour statistics, business intelligence and email campaigns we use the service by Google LLC ("Google Analytics"), a company located in the United States. Data that we may provide to Google Analytics may include your IP address and that data is used by Google Analytics to generate information about your usage of our service.

In addition to the specific disclosures of personal data set out in this Section 4, we may also disclose your personal data 1) to our auditors, lawyers, accountants, consultants and other professional advisors insofar as it is reasonably necessary for the purposes of obtaining professional advice or managing legal disputes and risks; 2) where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests and/or the vital interests of a third-party.


Rights of access, correction and deletion

You have a right of access to the personal information that we hold about you, and to some related information. You can also require any inaccurate personal information to be corrected or deleted.

Right to object

You can object to our use of your personal information for direct marketing purposes at any time and you may have the right to object to our processing of some or all of your personal information (and require them to be deleted) in some other circumstances. If you wish to exercise any of these rights, please contact us as set out below.


We take reasonable steps to protect the security of the information communicated through our platform. However, no computer security system is entirely foolproof and the Internet is not a secure method of transmitting information. As a result, you indemnify and we do not assume any responsibility for the data you submit to or receive from us through the Internet or for any unauthorised access or use of that information and we cannot and do not guarantee that information communicated by you to us or sent to you by us will be received or that it will not be altered before or after its transmission to us. You agree to not hold us and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (collectively the "Parties") liable for any loss or damage of any sort incurred as a result of any misappropriation, interception, modification, deletion, destruction or use of information provided through our platform.

Most web browsers are set to accept cookies as a default. You may wish to opt out by turning off cookies (please refer to the help menu on your browser); however, switching off cookies may restrict your use of our platform.

You may also opt out of receiving promotional communications from us at any time by following the instructions in those communications. If you opt out, we may still send you non-promotional communications, such as technical notices, support or administrative notifications or information about your account (if you have one).


This platform may contain links to other third party websites that may collect personal information about you, including through cookies or other technologies. If you link to another website, you will leave this platform and this Privacy Policy will not apply to your use of and activity on those other websites. You should consult these other websites' privacy policies as we have no control over them and are not responsible for any information that is submitted to or collected by these third parties.


If any User or visitor of the platform is a European person or from other country that is governed by data collection law, hereby expressly agrees to transfer personal data to us for the global processing in different jurisdictions.

Cookie Policy

What is a cookie

Cookies are small text files sent by us to your computer or mobile device, which enables ChatEx features and functionality. They are unique to your account or your browser. Session-based cookies last only while your browser is open and are automatically deleted when you close your browser. Persistent cookies last until you or your browser delete them or until they expire.

Does ChatEx use cookies?

Yes. ChatEx uses cookies and similar technologies like single-pixel gifs and web beacons. We use both session-based and persistent cookies. ChatEx sets and accesses our own cookies on the domains operated by ChatEx and its corporate affiliates (collectively, the “Sites”). In addition, we use third party cookies, like Google Analytics.

How is ChatEx using cookies?

Some cookies are associated with your account and personal information in order to remember that you are logged in and which workspaces you are logged into. Other cookies are not tied to your account but are unique and allow us to carry out analytics and customization, among other similar things.

Cookies can be used to recognize you when you visit a Site or use our Services, remember your preferences, and give you a personalized experience that’s consistent with your settings. Cookies also make your interactions faster and more secure.

Categories of Use Description
Authentication If you're signed in to our Services, cookies help us show you the right information and personalize your experience.
Security We use cookies to enable and support our security features, and to help us detect malicious activity.

We may use cookies to help us deliver marketing campaigns and track their performance (e.g., a user visited our Help Center and then made a purchase). Similarly, our partners may use cookies to provide us with information about your interactions with their services, but use of those third-party cookies would be subject to the service provider’s policies.

We may use cookies to help us deliver marketing campaigns and track their performance (e.g., a user visited our Help Center and then made a purchase). Similarly, our partners may use cookies to provide us with information about your interactions with their services, but use of those third-party cookies would be subject to the service provider’s policies.

Performance, Analytics and Research Cookies help us learn how well our Sites and Services perform. We also use cookies to understand, improve, and research products, features, and services, including to create logs and record when you access our Sites and Services from different devices, such as your work computer or your mobile device.

The following are cookies used on Chatex.com and other domains operated by ChatEx.

Description Expiration
Visitor Cookie 10 years
Settings 10 years
Tracks session you are logged into 10 years
Timestamp of last authorization Session
Timestamp of last authorization change 30 days
Settings 10 years
Session id cookie Session
Referral code for team creation Session
E-mail confirmation and code expiration cookie 1 hour
Internalization preferences 1 year
Advertising analytics 30 days

What third-party cookies does ChatEx use?

You can find a list of the third-party cookies that ChatEx uses on our sites along with other relevant information.

How are cookies used for advertising purposes?

Cookies and other ad technology such as beacons, pixels, and tags help us market more effectively to users that we and our partners believe may be interested in ChatEx. They also help provide us with aggregated auditing, research, and reporting, and know when content has been shown to you.

What can you do if you don't want cookies to be set or want them to be removed, or if you want to opt out of interest-based targeting?

Some people prefer not to allow cookies, which is why most browsers give you the ability to manage cookies to suit you. In some browsers you can set up rules to manage cookies on a site-by-site basis, giving you more fine-grained control over your privacy. What this means is that you can disallow cookies from all sites except those that you trust.

Browser manufacturers provide help pages relating to cookie management in their products. Please see below for more information.


The data controller responsible for your personal data for is IZIBITS OÜ, Harju maakond, Tallinn, Kesklinna linnaosa, Parda tn 4, 10151 Estonia

E-mail of customer support: [email protected]

Phone number: +372 880-4556

If you have any questions about this Privacy Policy, your rights and/or our data collection practices, please contact our customer support.