Hukuki

RateSwap is operated from the Netherlands and is the data controller for the limited personal data described below. The service is aimed at users in the European Union, so the GDPR applies to everything on this page.

Kullanım koşulları

1. What this service is. RateSwap is a rate comparison and referral service. We collect quotes for a crypto-to-crypto swap from third-party exchange providers through our partner Swapzone and show them side by side. We are not an exchange, a broker, a custodian, a payment service provider or a money transmitter. We never receive, hold, control or transmit your funds.

2. Who your contract is with. When you start a swap, the exchange contract is between you and the exchange provider selected in the comparison. Their terms, limits, refund policy and compliance rules govern that swap. We may earn a referral commission from the provider; this never changes the quotes shown to you, and the ranking is by the amount you receive.

3. No accounts, no advice. There is no registration and no user account. Nothing on this site is investment, tax or legal advice, and no result shown is an offer or a guarantee of a rate, a delivery time or availability.

4. Your responsibilities. You are responsible for choosing the correct asset and network, for entering a destination address you control, and for complying with the law where you live. You confirm the funds you swap are lawfully yours and that you are not subject to sanctions.

5. Acceptable use. Do not attempt to disrupt, scrape at scale, reverse engineer, or use the service for unlawful purposes, including money laundering, terrorist financing or evading sanctions.

6. Liability. The service is provided as-is, without warranties. To the maximum extent permitted by law we are not liable for losses arising from provider behaviour, network conditions, price movement, or an address or network you entered incorrectly. Nothing in these terms limits liability that cannot be limited by law, including your mandatory rights as an EU consumer.

7. Changes and governing law. We may update these terms; the date at the top shows the current version. Dutch law applies, and the competent Dutch courts have jurisdiction, without removing the protection of mandatory consumer rules in your country of residence.

Gizlilik politikası

1. Our principle. We collect as little as possible. There are no accounts, no profiles, no user database and no wallet address is ever stored against an identity.

2. Support tickets. If you write to us, we store the topic, your message, your e-mail address and any swap ID you include. Purpose: answering you and handling your request. Legal basis: our legitimate interest in providing support, and performance of the service you asked for. Retention: one year, then automatic deletion.

3. Reviews. If you submit a review, we store your rating, display name, review text and swap ID, plus an e-mail address if you add one. The e-mail address is never published and is used only to verify or contact you about the review. Legal basis: your consent when you submit the form. Retention: e-mail addresses are erased after 90 days; the published review stays until you ask us to remove it.

4. Analytics. Google Analytics 4 is loaded only after you accept analytics cookies in the banner. It is configured with Google Consent Mode, IP anonymisation and no advertising features, and it never receives wallet addresses or swap amounts. Legal basis: your consent, which you can withdraw at any time by clearing the site data in your browser or by writing to us. Retention: 180 days.

5. Security and abuse prevention. Standard server logs and an abuse counter keep the site available. For form submissions we store a hashed form of your IP address only — never the plain address. Legal basis: legitimate interest in security. Retention: abuse counters are deleted after 2 days.

6. Swap data. Quotes and swap creation run through our own server against Swapzone, our exchange partner. The destination address you enter is passed to them so the swap can be executed and is not stored by us. Swapzone acts as an independent controller for that data under its own privacy policy.

7. Recipients and transfers. Data is processed by our hosting and database provider inside the EU, and, if you consented to analytics, by Google. Any transfer outside the EEA relies on the European Commission's Standard Contractual Clauses.

8. Cookies. The site sets no advertising cookies and no cross-site tracking. Only a small local record of your cookie choice is stored on your device, which is strictly necessary and requires no consent. Analytics cookies are set only after you accept.

9. Your rights. Access, rectification, erasure, restriction, portability, objection and withdrawal of consent — see "Your rights and how to use them" at the bottom of this page.

AML ve uyum

1. We do not execute swaps. RateSwap does not custody funds, does not convert assets and does not execute exchanges. Every swap is executed by the third-party exchange provider you select, through our partner Swapzone. Because we never take possession of funds, we are not a crypto-asset service provider performing exchange or custody activity.

2. Where compliance happens. The executing provider runs its own AML, CFT, sanctions-screening and transaction-monitoring programme, and may request identity verification for a specific transaction or above its own thresholds. Whether a quote can require verification is shown in the comparison before you commit.

3. Sanctions. We do not knowingly facilitate use by persons or in jurisdictions subject to EU, UN, Dutch or US sanctions, and we will block access where we are required to.

4. Cooperation with authorities. We cooperate with lawful requests from competent authorities in respect of the material we actually hold, which is limited to support tickets and review submissions. We hold no transaction ledger, no balances and no customer records.

5. Reporting concerns. If you believe the service is being misused, contact us through the support form with as much detail as you can give.

Risk bildirimi

1. Volatility. Crypto asset prices move constantly. The amount you finally receive can differ from the quote you saw, particularly on floating-rate offers, because the rate is set when your deposit confirms.

2. Irreversibility. On-chain transactions cannot be recalled. A wrong address, the wrong network, a mistyped amount or a deposit below the provider's minimum can lead to permanent loss, and neither we nor the provider can undo it.

3. Provider and network risk. Swaps depend on third-party providers and on public blockchains. Congestion, downtime, liquidity gaps or a provider's compliance hold can delay or block a swap. Estimated times are estimates, not commitments.

4. No protection scheme. Crypto swaps are not covered by deposit guarantee or investor compensation schemes, and most crypto assets are not regulated financial instruments.

5. No advice. Nothing here is investment, tax or legal advice. Only swap amounts you can afford to lose, and check the tax treatment of crypto swaps where you live.

Your rights and how to use them

You have the right to access, correct, export or delete the personal data we hold about you, to object to processing, and to withdraw consent for analytics at any time. Because there are no accounts, the fastest route is the support form: choose the topic "Data deletion or data request (GDPR)", give the e-mail address you used and, if you have one, the swap ID. We answer within 30 days and confirm in writing once the data is erased. You may also lodge a complaint with the Dutch supervisory authority, the Autoriteit Persoonsgegevens.

Request deletion or a copy of my data