The subject of this agreement is to establish the fundamental principles, including rights, obligations, and responsibilities, as well as the necessary instructions for users to use virtual currency services, such as Bitcoin, for buying and selling at rates proposed by users themselves.

These terms have been established for the use of the ARZPAYA.COM website, hereinafter referred to as the “Site,” and individuals, in fulfilling their obligations, are subject to the laws of the Islamic Republic of Iran and comply with all applicable regulations.

1- By registering on the Site, the user has accepted the terms and conditions. — The provisions of this agreement may be amended by the Site if they conflict with relevant laws and regulations. In the event of any changes to this agreement, the user will be notified at least 7 days before the effective date of the changes.

2- Use of any Site features (registration, buying, selling, and any other features) means that the user has fully read, understood, and accepted the terms; otherwise, they do not have the right to use the Site’s features.

3- The Site reserves the right to change the provisions of this agreement at any time, with prior notice to the user.

4- All transactions performed by the user are considered valid. Therefore, safeguarding the user account, password, or other information is the user’s responsibility, and they must be aware of damages resulting from financial violations or crimes.

5- If you attempt to create an account by providing other people’s personal information, such as name and identity documents, your account will be blocked.

6- You can register, deposit, withdraw, buy, and sell on the Site without identity verification. However, due to banking regulations, identity verification is required for Rial deposits and withdrawals.

7- Information provided by users is confidential and will not be used for any other purpose.

8- In the event of a financial discrepancy in the user’s account, the user will be temporarily locked until the issue is reviewed and resolved. This process may take between 1 and 48 hours.

9- If the user’s death is confirmed and an exclusive inheritance certificate is provided, the balance may be transferred to the heirs.

10- The identity verification process includes collecting information from the user, including mobile number, landline number, IP address, address, ID card with photo, national ID, and banking information.

11- For instant deposits, only use your own verified Shetab cards. If you deposit from an unverified bank card, the charging process will be completed after the transaction is checked. Also, if you use someone else’s bank account, the deposited amount may be blocked until the deposit is resolved.

12- The user tiering process at Arzpaya is as follows:

Level	Daily Withdrawal (Million Toman)	Daily Withdrawal (USDT)	Daily Deposit (Million Toman)	Daily Deposit (USDT)	Conditions
Level One	Daily Withdrawal (Million Toman) 200	Daily Withdrawal (USDT) 500	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Users operate at this level after registration. Users who are sellers only, with no prior activity, are at this level and, without Rial deposits, have fewer restrictions compared to the two higher levels.
Level Two	Daily Withdrawal (Million Toman) 200	Daily Withdrawal (USDT) 650	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Users are placed at this level after their first Rial deposit. Cryptocurrency withdrawals will be disabled for up to 48 business hours.
Level Three	Daily Withdrawal (Million Toman) 200	Daily Withdrawal (USDT) 3,500	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Active users at Levels 1 and 2 are moved to this level if their total transactions in the past month exceed 100 million.
Level Four	Daily Withdrawal (Million Toman) 300	Daily Withdrawal (USDT) 10,500	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Active users at Levels 1, 2, and 3 are moved to this level if their total transactions in the past month exceed 300 million. Users with knowledge of buying and selling in cryptocurrency markets and anti-money laundering requirements may also start at this level without restrictions.
Level Five	Daily Withdrawal (Million Toman) 600	Daily Withdrawal (USDT) 25,000	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Active users at Level Four may request support to be upgraded to this level if needed.
Level Six	Daily Withdrawal (Million Toman) 4,000	Daily Withdrawal (USDT) 80,000	Daily Deposit (Million Toman) Unlimited (subject to banking regulations)	Daily Deposit (USDT) Unlimited	Active users at Levels Four and Five who need to use Arzpaya as a high-withdrawal wallet may request support to be upgraded to this level.

13- Responsibility for deposited funds lies with the depositing user. If a user purchases with funds of unknown origin (stolen funds), the user is responsible for compensating the stolen amount.

14- Responsibility for purchasing cryptocurrency for unknown individuals lies with the user. Since the registered person on the Site is identity-verified, if you receive funds from an unknown person and purchase cryptocurrency and transfer it to them, you will be considered the owner and primary buyer.

15- We will strive to provide services 24 hours a day. However, we do not guarantee this. In the event of an incident such as service suspension due to illegal actions by users or third parties, or service errors, we will resolve the issue and resume services. At that time, you may request recovery of transaction records. However, we cannot cover profit or loss resulting from the recovery of transaction records as compensation for cryptocurrencies or Rial.

16- The user must accept that the source and destination of all cryptocurrencies and cash funds provided by them in Site transactions are fully legal and comply with international laws and the regulations of the Islamic Republic of Iran.

17- Each user’s right to use the Site is exclusive to them, and responsibility for each user’s use of their username and password rests solely with the user. The user accepts that responsibility for all transactions performed from their account lies with them.

18- Any tax consequences arising from users’ transactions are the responsibility of the users themselves, and Arzpaya accepts no liability.