xchgo Terms of Service
These Terms apply to the xchgo website, API, Freedom Wallet integration, permanent AutoSwap routes, and one-time swaps.
Digital-asset transactions are irreversible and may be delayed, rejected, reviewed, or refunded. Read these Terms and the quote details before sending funds.
1. Acceptance of Terms
By accessing or using xchgo, you confirm that you have read and accepted these Terms and the Privacy Notice. If you do not agree, do not use the service.
2. Description of the service
xchgo provides non-custodial direct swaps and reusable AutoSwap addresses. It does not provide customer accounts or hold user balances. A reusable AutoSwap address converts supported deposits and sends the selected asset to the wallet you choose.
3. Eligibility
You must be at least 18 years old or the age of legal majority where you live. You represent that you are the beneficial owner of, or legally authorized to use, every source address, asset, refund address, and destination used in an order; that you are not acting for another person without authority; that you are not a politically exposed person or a close family member or associate of one; and that your use complies with applicable law.
4. Prohibited jurisdictions
The service is not offered to persons or entities located in, organized in, or resident in the United States of America or its territories, Cuba, Iran, North Korea, Syria, Myanmar, Sudan, or the Crimea, Donetsk, or Luhansk regions. xchgo may add restrictions required by sanctions, law, provider rules, or risk controls and may block access where availability cannot be confirmed.
5. Prohibited activities
You must not use xchgo for money laundering, terrorist or proliferation financing, sanctions evasion, fraud, theft, ransomware, scams, darknet markets, prohibited goods, market manipulation, abuse of incentive programs, or any other unlawful activity. You must not evade geographic restrictions, transaction limits, rate limits, screening, or other security measures.
6. Quotes, rates, and fees
Quotes are time-limited and apply only to the displayed asset, network, amount range, destination, and rate type. Fixed quotes remain valid only for their stated period and conditions. Floating quotes settle at the executable rate after required confirmations and can deliver more or less than the estimate. The quote discloses the applicable service fee, network costs, rate policy, minimum, maximum when available, and expected output. Fees included in an accepted quote are non-negotiable.
7. Deposits and reusable addresses
Send only the displayed asset on the displayed network and include every required memo or tag. Wrong assets, networks, addresses, memos, amounts, or late deposits may be delayed, refunded at additional cost, or permanently lost. Follow the minimum and route status shown before sending.
8. Finality, refunds, and recovery
Completed blockchain settlements are final and cannot be reversed. Before completion, xchgo or the execution provider may attempt a refund when the order fails, expires, receives an unsupported or late deposit, or cannot pass required checks. A refund is not guaranteed after conversion has started, when the deposit is below the applicable network cost, or when the funds cannot be safely attributed or recovered. Refund and recovery network costs may be deducted. Unless an approved refund address was recorded, an available refund may be returned to the verified sending address.
9. Risk disclosure
Digital assets, stablecoins, smart contracts, privacy technologies, blockchains, bridges, and liquidity venues carry market, technical, counterparty, regulatory, and loss risks. Transactions depend on confirmations, network congestion, software, internet connectivity, liquidity, third-party systems, and changing law. xchgo does not guarantee anonymity, asset value, timing, uninterrupted service, or recovery from user error.
10. Risk management and verification
xchgo and its execution providers use automated and manual risk controls. An order may be delayed, refused, frozen, refunded, or held for review. Additional information or identity and source-of-funds verification may be requested where a provider or applicable requirement demands it. Refusing a request may prevent completion and may lead to a refund when legally and technically available. Suspicious activity may be reported to an appropriate authority without advance notice.
11. Independent execution providers
xchgo may use independent liquidity or execution providers to complete an order. Selection may vary by asset, network, availability, rate, jurisdiction, risk, or operational requirements. Provider terms may apply where shown. Provider liquidity, fees, compliance decisions, and settlement performance can affect the result.
12. Data and privacy
xchgo processes transaction, wallet, security, and support information as needed to operate and protect the service. It does not need wallet seeds, private keys, recovery phrases, or wallet passwords, and support will never ask for them. Details are in the Privacy Notice.
13. Disclaimers, liability, and indemnity
The service is provided on an “as is” and “as available” basis without warranties to the extent permitted by law. xchgo is not responsible for indirect, incidental, special, consequential, or punitive losses caused by market movement, user error, compromised devices, unsupported assets, incorrect addresses or networks, blockchain events, or independent-provider outages. You agree to indemnify the service operator against claims caused by your unlawful use, misuse, or breach of these Terms. Nothing excludes liability that applicable law does not allow to be excluded.
14. Changes and support
Assets, networks, limits, providers, fees, and these Terms may change for security, liquidity, maintenance, legal, or operational reasons. Material changes apply after publication and acceptance where required. For help, contact support@xchgo.com with the relevant order identifier. Never include wallet secrets.