Chikalata ichi chikufotokoza mfundo ndi zinthu zoyenera kutsatidwa zomwe zikugwira ntchito pa ndalama zanu ndi mayendedwe a ndalama, zopempha zanu za chargeback ndi retrieval, mphotho zomwe tingakupatseni, komanso ntchito za Deriv P2P. Ichi ndi mbali ya mgwirizano pakati panu ndi Deriv ndipo chiyenera kuwerengedwa pamodzi ndi Mfundo Zonse Zogwiritsira Ntchito za makasitomala ("Mfundo Zonse"). Mawu aliwonse ofotokozedwa omwe agwiritsidwa ntchito m'mfundo za ndalama ndi mayendedwe a ndalama zimenezi adzakhala ndi tanthauzo lomwe laperekedwa mu Mfundo Zonse.
1. Malamulo ndi zoletsedwa
1.1. Simuyenera kugwiritsa ntchito Wallet yanu ngati njira ya banki. Ikani ndalama mu Wallet yanu pokhapokha ngati muli ndi cholinga chochita malonda.
1.2. Simuyenera kuika ndi kuchotsa ndalama popanda kuchita malonda ofanana ndi ndalama zomwe mwaika kapena kuchotsa. Ngati muchita zimenezi, tikhoza, popanda kudziwitsa, kusintha akaunti yanu kuti tibwezere kutayika kulikonse komwe kwachitika ndipo tikhoza, monga tafunira, kuimitsa kapena kutseka akaunti yanu.
1.3. Tili ndi ufulu wokana ma payout anu popanda kudziwitsa.
1.4. Sitidzalipira chiwongola dzanja pa ndalama iliyonse yomwe mwaika nafe.
1.5. Muyenera kusunga ndalama zotsala za Wallet yanu pansi pa muyeso wapamwamba wa ndalama za Wallet. Muyenera kuchotsa ndalama kuti musapose muyeso wa Wallet yanu.
1.6. Akaunti yanu ya Deriv ikhoza kukhala ndi muyeso pa:
1.6.1. Ndalama kapena kuchuluka kwa malonda omwe mungachite pokhudzana ndi akaunti yanu; ndipo/kapena
1.6.2. Ndalama kapena mtengo wa ndalama kapena zinthu (kuphatikizapo zinthu zapaintaneti/virtual) zomwe mungasamutse kulowa kapena kuchoka mu akaunti yanu,
pankhani iliyonse mkati mwa nthawi yoperekedwa (mwachitsanzo, tsiku ndi tsiku). Muyeso uliwonse wogwira ntchito ukuwonetsedwa mu akaunti yanu ya Deriv.
1.7. Tili ndi ufulu wosintha muyeso uliwonse wa malonda umene ukugwira ntchito pa akaunti yanu nthawi iliyonse monga tafunira, popanda njira ina.
1.8. Sitidzagwiritsa ntchito ndalama zomwe zili mu Wallet yanu kuti tizichite malonda m'malo mwanu.
1.9. Ndinu nokha amene muli ndi udindo ndi mlandu pa ndalama zonse zomwe muyika ndi kuchotsa mu Wallet yanu.
1.10. Mungagwiritse ntchito njira zolipirira zomwe zilipo kuti muike ndalama mu Wallet yanu. Sitigwirizana ndi opereka njira zolipirira zilizonse.
1.11. Muyenera kupempha kuchotsa ndalama pogwiritsa ntchito njira yolipirira yomweyo yomwe mudagwiritsa ntchito poika ndalama.
1.12. Njira zolipirira zomwe zilipo zitha kusintha nthawi iliyonse. Mfundo zogwiritsira ntchito njira zolipirira zitha kusinthanso. Ndi udindo wanu kudziwa nthawi zonse njira zolipirira zomwe zilipo kwa inu ndi mfundo zake zogwiritsira ntchito.
1.13. Ngati mugwiritsa ntchito wopereka ntchito wachitatu pa cholinga chilichonse, kuphatikizapo, koma osangokhala pokhapokha, poika kapena kuchotsa ndalama, ndudindo wanu nokha kuonetsetsa chitetezo cha akaunti yanu.
1.14. Mungasamutse pakati pa ndalama zosiyanasiyana mu Wallet yanu. Chonde dziwani kuti kusintha kwa akaunti yanu kuti kupindulire ife kungagwiritsidwe ntchito pa kusamutsa pakati pa ndalama zosiyanasiyana.
1.15. Mtengo wosinthanitsira ndalama umene ugwiritsidwa ntchito pa malonda umatsimikizidwa ndi opereka ntchito achitatu monga mtengo wapamsika umene ukugwira ntchito panthawi ya malondawo ndipo ungasinthe nthawi ndi nthawi. Mitengo imeneyi imachokera ku ndalama yakomweko kapena ndalama yomwe mwasankha mu Wallet yanu.
1.16. Mungasamutse ndalama pakati pa ma Wallet anu ndi akaunti zanu za malonda.
1.17. Mtengo wa portfolio yanu, umene ukuwonetsedwa mu USD, ndi kuyerekezera kokha. Ukuimira chiwerengero cha ndalama zotsala za Wallet yanu ndi mtengo wapamsika wapano wa malo anu otsegulidwa (open positions), osinthidwa kukhala USD pamtengo wapamsika umene ukugwira ntchito.
1.18. Simuyenera kugawana njira yanu iliyonse yolipirira ndi kasitomala wina. Tili ndi ufulu woletsa, kuletsa, kapena kuimitsa akaunti yanu ngati mugawana njira yanu iliyonse yolipirira ndi kasitomala wina.
1.19. Simuyenera konse kutenga ngongole kuti muike ndalama mu akaunti yanu.
1.20. Muyenera kutsatira malamulo aliwonse a ndalama, kusinthanitsa ndalama, kapena kuwongolera ndalama zazikulu (capital controls) mdziko lanu.
1.21. Kuika ndalama zapaintaneti (virtual assets)
1.21.1. Mungaike ndalama zapaintaneti zothandizidwa ku adilesi yapadera yoikamo ndalama yomwe tapereka pa cholinga chimenechi.
1.21.1.1. Kudumphira pa njira yoyendetsera cashier yokhazikika (kuyambitsa, kusamutsa, kapena kumaliza kuika ndalama mwachindunji ku adilesi ya wopereka ntchito zolipirira wachitatu (PSP) kapena wallet ya Kampani kunja, kapena podumpha, njira yotsatira makiyi omwe amaperekedwa mkati mwa mawonekedwe a pulatifomu yogwiritsira ntchito) kumaonedwa ngati kuphwanya mfundo zimenezi.
1.21.1.2. Ngati pachitika malonda odumphidwa pa cashier (monga tafotokozera mu Ndime 1.21.1.1), tili ndi ufulu, monga tafunira tokha, kukana kuikamo akaunti yanu kapena kuikamo ndalama pokhapokha titatsimikizira gwero ndi umwini wa ndalamazo. Kupereka umboni wa kusamutsa kapena transaction hashes wachinyengo, wachiwiri, wogawana, kapena wobwerezedwa — kaya pa akaunti imodzi kapena pa akaunti zambiri — ndikuphwanya Mfundo zimenezi. Ngati zimenezi zichitika, tili ndi ufulu kutseka akaunti zonse zogwirizana, kuletsa kufikira kwina kulikonse, ndi kuchotsa ndalama zotsala kapena kuchotsa ndalama zomwe zikudikira, popanda kudziwitsa poyamba.
1.21.2. Ndi udindo wanu nokha kugwiritsa ntchito adilesi yolondola yoikamo ndalama ndi network yolondola ya blockchain. Kutumiza zinthu ku adilesi yolakwika kapena pa network yosathandizidwa (malonda a cross-chain) kudzabweretsa kutayika kwa nthawi zonse kwa zinthu zimenezo, ndipo sitidzakhala ndi udindo pa kutayika kotereko.
1.21.3. Zina zomwe zingachititse kutayika pamene mukuika ndalama zapaintaneti zikuphatikizapo:
1.21.3.1. Malonda a network yolakwika (kugwiritsa ntchito network yosagwirizana pa malondawo);
1.21.3.2. Zolakwika posankha smart contract (zolakwika posankha kapena kugwiritsa ntchito ma smart contract); kapena
1.21.3.3. Kulipira mochepa (kuyambitsa kuika ndalama koma kusamutsa ndalama zocheperapo kusiyana ndi zomwe zikufunika).
1.21.4. Ziwopsezo zimenezi zimachokera ku mkhalidwe wa blockchain technology ndi ntchito za opereka ntchito achitatu omwe amayendetsa malondawa. Popeza timapereka ntchito za malonda a ndalama zapaintaneti kudzera mwa achitatu, sitingathe kuwongolera kapena kuthandiza kubwezera ndalama zomwe zatayika m'mikhalidwe imeneyi. Ndi udindo wanu kuyang'anitsitsa mwatsatanetsatane zonse za malondawo musanaike ndalama. Ngati pachitika kuika ndalama kwa cross-chain, tili ndi ufulu kukufunsani kuti mutilipire chindapusa cha kutayika kulikonse ngati tisankha kuyesera kubwezera ndalamazo.
1.21.5. Ndalama yanu yoikamo idzaikidwa mu akaunti yanu pamene yalandira kuchuluka kwa network confirmations kofunika.
1.21.6. Tidzachita kuwunika kwa ma transaction pa deposits, kuphatikizapo kugwiritsa ntchito kusanthula kwa blockchain kochokera kwa mabungwe ena ("KYT Screening"). Tili ndi ufulu wokana deposits zochokera ku ma adilesi omwe azindikirika kuti ali kunja kwa chiwopsezo chomwe timavomereza.
1.22. Kutulutsa ndalama za virtual asset
1.22.1. Mukhoza kupempha kutulutsa ndalama za virtual asset zomwe zimathandizidwa kupita ku adilesi ya wallet yakunja yovomerezeka.
1.22.2. Ndi udindo wanu wokha kuonetsetsa kuti adilesi yotulutsira ndalama imene mwapereka ndi yolondola komanso yogwirizana ndi network yofunikira. Sitiyankha mlandu wa kutayika kulikonse kochokera ku kutulutsa ndalama kupita ku adilesi yolakwika kapena yosagwirizana.
1.22.3. Kutulutsa ndalama kumakhala pansi pa kuwunika kwachitetezo komanso mfundo zathu zolimbana ndi kuchotsa ndalama zoyipa, kuphatikizapo kuwunika kwa ma transaction pogwiritsa ntchito KYT Screening. Tili ndi ufulu wotsekereza kutulutsa ndalama kupita ku ma adilesi omwe azindikirika kuti ali kunja kwa chiwopsezo chomwe timavomereza.
1.22.4. Ndi udindo wanu kulipira mtengo uliwonse wa network (mwachitsanzo, ndalama za ntchito, ndalama za kukonza zoyendetsera, kapena ndalama zotulutsira ndalama, monga zafotokozedwa pa Nsanja). Tili ndi ufulu wosintha akaunti yanu pa kutulutsa ndalama za virtual asset kuti zigwirizane ndi mikhalidwe ya network pa nthawi ya kutulutsa ndalama.
1.22.5. Nthawi imene ndalama zotulutsidwa zimatenga kuti ziwonekere mu wallet yanu zimadalira nthawi zoyendetsera za network ya blockchain yofunikira.
1.23. Kuchedwa kwa kuwonekera kwa deposits kapena kutulutsa ndalama mu akaunti yanu kungachitike chifukwa cha mavuto aukadaulo kapena zinthu zina zosayembekezereka zomwe sitili ndi udindo pa izo. Ma transaction ena angafunike nthawi yowonjezera yoyendetsera, kuphatikizapo omwe amaperekedwa kunja kwa nthawi za ntchito zanthawi zonse. Ngati mukukumana ndi kuchedwa kotere kapena mavuto aukadaulo, lumikizanani ndi gulu lathu lothandizira kudzera pa live chat kuti mupeze thandizo.
1.24. Mukuvomereza kuti, pa kutulutsa ndalama kudzera pa khadi kapena kutumiza kudzera pabanki, nthawi imene ndalama zimatenga kuti ziwonekere mu akaunti yanu zimadalira nthawi zoyendetsera za banki yanu. Pa kutulutsa ndalama za cryptocurrency, nthawi imene ndalama zimatenga kuti ziwonekere mu wallet yanu zimadalira nthawi zoyendetsera za blockchain yofunikira.
2. Mphotho ndi zolimbikitsa
2.1. Tikhoza, malinga ndi kuganiza kwathu tokha, kupereka mphotho kapena zolimbikitsa zina kwa makasitomala oyenerera. Kuyenerera kungakhale kochepetsedwa ndi dziko, mkhalidwe wa akaunti, njira yolowera, mkhalidwe wotsimikizika, njira yolipirira, kuchuluka kwa deposit, ntchito za malonda, kapena mfundo zina zilizonse zomwe timasankha.
2.2. Mphotho sizipezeka kwa aliyense ndipo zingaperekedwe pa nthawi zochepa zokha. Tikhoza kusintha, kuyimitsa, kapena kuchotsa mphotho iliyonse nthawi iliyonse.
2.3. Pokhapokha ngati zafotokozedwa mosiyana m'Mawu a Zolimbikitsa ogwiritsidwa ntchito, ndalama za mphotho zimaikidwa mu Wallet yanu.
2.4. Ndalama za mphotho sizingatulutsidwe. Kutulutsa ndalama kungachepetsedwe mpaka mutakwaniritsa mikhalidwe yofotokozedwa m'Mawu a Zolimbikitsa ogwiritsidwa ntchito.
2.5. Mikhalidwe ya mphotho ingaphatikizepo zofunikira za kuchuluka kwa malonda. Tidzafotokoza mmene kuchuluka kwa malonda kumawerengedwera mu Mawu a Zolimbikitsa ndipo tingasiye ma transaction omwe timaganiza mozama kuti ndi achinyengo, ofanana, kapena omwe cholinga chawo chachikulu ndi kukwaniritsa zofunikirazo.
2.6. Ngati tikukayikira mozama kuti pali kuchita zachinyengo, khalidwe loletsedwa, kapena kuphwanya Mgwirizano, tikhoza kuchotsa mphotho, kubweza phindu logwirizana ndi izo kukhala popanda ntchito, kuchepetsa kutulutsa ndalama, ndi kutenga zochita zina zilizonse zololedwa pansi pa Mgwirizano.
3. Mfundo za kubwezeretsa ndalama
3.1. Timapereka njira zambiri za amalonda ndi ogwira ntchito zolipirira kuti muzipereka malipiro pa intaneti. Mudzalipiritsidwa pa nthawi, kapena patangopita nthawi pang'ono, mutatha kuchita transaction yanu. Mukuvomereza kuti mudzalipira malonda onse omwe mumagula kudzera pa njira zilizonse zopezeka za amalonda kapena ogwira ntchito zolipirira.
3.2. Kugulitsa konse kwa malonda ndi kotsimikizika. Sitibweza mtengo womwe walipiridwa kuti mulowe mu malonda ngati malondawo achitika.
3.3. Chifukwa cha kusasinthika kwa ma transaction a blockchain, sitipereka kubwezeretsa ndalama pa ma transaction a virtual asset omwe achitika kale. Izi zikugwira ntchito kuwonjezera pa Ndime 3.2 ndipo mosasamala kanthu ngati transaction imeneyo ndi "malonda" pa cholinga cha Mgwirizano uwu.
3.4. Ngati malonda apezeka kuti sangapezeke transaction itapangidwa koma malondawo asanachitike, mukhoza kupempha kubwezeretsa mtengo womwe walipiridwa. Tili ndi ufulu wovomereza kapena kukana pempho lanu mtafufuza dandaulo lanu.
3.5. Ngati mavuto aukadaulo alepheretsa kuchitika kwa malonda, mwachitsanzo, ngati mavuto achitika mu data feeds omwe sitingathe kukonza mosavuta, tili ndi ufulu wobweza kapena kubwezeretsa malondawo. Pa ma transaction a virtual asset, ufulu uwu ukugwira ntchito pokhapokha ngati transaction sinatsimikizidwebe pa network ya blockchain yofunikira; ikatsimikizika, transaction imakhala yosasinthika, ndipo Ndime 3.3 imagwira ntchito.
3.6. Pempho lililonse la kubwezeretsa ndalama za deposit pa akaunti zogwira ntchito zidzakanidwa mwachizolowezi. Ngati takutsekerani, kuletsani, kapena kuyimitsa akaunti yanu chifukwa china chilichonse, mukhoza kupempha kubwezeretsa ndalama za deposit yanu. Tili ndi ufulu wovomereza kapena kukana pempho lanu mtafufuza dandaulo lanu.
4. Kubwezera ndalama za khadi (Chargebacks)
4.1. Ngati mwaika ndalama kudzera pa khadi ya ngongole kapena ya debit, mukuvomereza kuti mudzalumikizana nafe kudzera pa live chat musanapange chargeback kapena pempho lobweza ndalama kuti tiyese kubweza ndalamazo kwa inu.
4.2. Ngati pali chidziwitso cha chargeback, chenjezo la chinyengo, kapena pempho lobweza ndalama kuchokera kwa wogwira ntchito wanu wolipirira, tili ndi ufulu wothetsa Mgwirizano uwu popanda chidziwitso choyambirira.
4.3. Ndi udindo wanu kutilipira chilichonse chotayika chomwe tingapeze chifukwa cha chidziwitso cha chargeback, chenjezo la chinyengo, kapena pempho lobweza ndalama. Muyenera kuchita izi tisanachotse malire aliwonse oikidwa pa akaunti yanu.
4.4. Tili ndi ufulu wosunga kwakanthawi mbali ina kapena ndalama zonse za akaunti yanu kwa masiku osafika 180 ngati talandira chidziwitso cha chargeback, chenjezo la chinyengo, kapena pempho lobweza ndalama logwirizana ndi akaunti yanu. Kusungako kumapereka nthawi yofufuza ma transaction onse, ndipo kumateteza Deriv ku chiwopsezo chandalama cha ma chargebacks ena ogwirizana omwe angayambitsidwe ndi eni makhadi kudzera pa mabanki awo mkati mwa nthawi imeneyi.
5. Deriv P2P
5.1. Zotsatsa
5.1.1. Muli ololedwa kuyika zotsatsa za Deriv P2P ngati mwavomerezedwa kale ndi ife malinga ndi ndondomeko yathu ya “Kuzindikira Kasitomala Wanu” (onani Malamulo Ambiri Ogwiritsira Ntchito kuti mudziwe zambiri).
5.1.2. Tili ndi ufulu wochepetsa kuchuluka kwa zotsatsa zomwe mumayika pa pulatifomu yathu kapena kuchotsa zotsatsa zanu, mwachitsanzo, m’mikhalidwe yokayikira za khalidwe loipa kapena zochita zachinyengo, komanso m’mikhalidwe ina iliyonse imene tikuona kuti ndi yofunikira.
5.1.3. Timasunga ufulu, malinga ndi kaganizidwe kathu tokha, kusintha, kuchotsa, kapena kupatsa munthu wina dzina lililonse la munthu logwiritsidwa ntchito pa Deriv P2P ngati likutsutsana ndi ndondomeko zathu kapena mayina a ogwiritsa ntchito ena, kapena ngati tazindikira kuti lingayambitse chisokonezo, kunamiza kuti ndi munthu wina, kapena kugwiritsidwa ntchito molakwika mwa njira ina.
5.1.4. Pamene mukuyika zotsatsa, timalimbikitsa kuti mukhale ndi khama ndi kupezeka kuti mutha kuyankha ma oda amene apangidwa poyankha zotsatsa zanu; kupanda kutero, mkangano uliwonse wokhudzana ndi malondawo ungathe kuthetsedwa mosemphana ndi inu. Timakulimbikitsani kwambiri kuti musiye zotsatsa zanu (kuzipangitsa kuti zisaonekere kwakanthawi) pamene mikhalidwe ingakulepheretseni kuyankha ma oda mwa nthawi.
5.1.5. Simuloledwa kuyika zotsatsa zofanana (mwachitsanzo, kugwiritsa ntchito zambiri zofanana pa dziko limodzi).
5.1.6. Timasunga ufulu wolepheretsa ntchito zotsatsa zanu ngati palibe oda amene wapangidwa poyankha izo m’maola makumi asanu ndi awiri mphambu awiri (72).
5.1.7. Timasunga ufulu wochotsa zotsatsa zanu zosagwira ntchito pambuyo pa masiku makumi asanu ndi anayi (90) osagwira ntchito.
5.2. Ma Oda
5.2.1. Powika oda, mukupanga pangano lomangika ndi wogulitsa/wotsatsa, ndipo mukuvomereza ndikudzimanga ndi mfundo ndi zofunikira za malondawo monga zafotokozedwa mu chotsatsacho.
5.2.2. Mukumvetsetsa kuti muyenera kukhala ndi khama ndi kupezeka pa nthawi yonse ya malondawo pamene mwapanga oda.
5.3. Malonda
5.3.1. Mukuvomereza ndikugwirizana kuti pa magawo onse a malondawo, mukuchita malonda ndi wogwiritsa ntchito wina wa Deriv P2P, ndipo ife tikungogwira ntchito ngati opereka ntchito zaukadaulo, osati ngati wachiwiri pa malondawo. Chotero, ngati mkangano uliwonse kapena chizindikiro cha mkangano chachitika chochokera ku malonda aliwonse kapena chogwirizana ndi malonda aliwonse, sitidzakhala ndi udindo kwa inu, wogwiritsa ntchito wina, kapena munthu wina aliyense.
5.3.2. Tidzachita zoyenera kuti tithandizire kuchitika kwa malonda onse othandizidwa ndi Deriv P2P. Komabe, panganga pakhale nthawi zina, chifukwa cha zomwe sizili m’manja mwathu, kuphatikizapo kulephera kwa mapulogalamu, zida zamakina, kapena kulumikizana kwa intaneti, pamene malonda amene mwapempha sanachitike bwino. Mukuvomereza kuti, mpaka pamlingo umene lamulo limalola, ife sitikhala ndi udindo pa malonda amene alephera.
5.3.3. Ndinu nokha amene muli ndi udindo wotsimikizira kuti malonda aliwonse ochitidwa akupita ku akaunti yolondola. Timakulimbikitsani kwambiri kutsimikizira zambiri za akaunti yolondola ndi mnzanu wamalonda ndikuchita kafukufuku wanu wokwanira musanayambe kapena musanapemphe malonda aliwonse. Mpaka pamlingo umene lamulo limalola, sitidzakhala ndi udindo pa kutayika kwa ndalama kochokera ku malonda amene apita ku akaunti yolakwika kupatula ngati (a) achitidwa ndi ife mkati mwa Deriv P2P, ndipo (b) talephera kugwiritsa ntchito zambiri za akaunti zomwe zapatsidwa kwa ife ndi mbali zonse ziwiri.
5.3.4. Zambiri zoperekedwa ndi wogulitsa mu chotsatsa chake kapena oda zidzakhala zomangika ndipo zidzayang'anira malondawo. Malonda akayamba, zambirizi ndizomaliza ndipo sizingasinthidwenso, kukambiranidwanso, kapena kusinthidwa mwa njira iliyonse. Wogula ndi wogulitsa sayenera kupempha kapena kugwirizana ndi kusintha kulikonse ku zambiri zomwe zagwirizana zowonetsedwa pa sikirini ya malondawo, ndipo sitidzakhala ndi udindo wotsatira kapena kuvomereza kusintha kulikonse.
5.3.5. Zambiri zilizonse, kuphatikizapo za kulumikizana ndi za akaunti, zomwe mumapatsa mnzanu wamalonda pa gawo lililonse la malondawo kudzera mu chotsatsa, oda, kapena chat yolumikizidwa muyenera nthawi zonse kukhala zolondola ndi zamakono. Ngati zambiri zilizonse zomwe mwapereka kwa mnzanu wamalonda zidzawululika kukhala zosalondola kapena zabodza, mkangano uliwonse wokhudzana ndi malondawo ungathe kuthetsedwa mosemphana ndi inu. Ngati tili ndi chifukwa chokhulupirira kuti mwapereka mwadala zambiri zabodza kwa mnzanu wamalonda, timasunga ufulu wotenga zochita zotsutsana ndi inu, monga kuchepetsa, kuyimitsa, kapena kuthetsa kugwiritsa ntchito kwanu ntchito zathu zonse.
5.3.6. Titha kutseka oda kwa masiku osapitirira makumi atatu (30) ngati wogula watsimikizira kuti gawo lake la malondawo lakwaniritsidwa, koma wogulitsa satsimikizira zomwezo, ndipo malondawo athera. Pamikhalidwe ngati imeneyi, wogula ndi wogulitsa onse adziwitsidwa nthawi yomweyo pamene nthawi yatha ndipo adzakhala ndi ufulu wokweza mkangano.
5.3.7. Ndalama zilizonse zoyikidwa mu Wallet yanu kudzera mu Deriv P2P zitha kuchotsedwa kudzera mu Deriv P2P kokha.
5.3.8. Mukuvomereza ndikugwirizana kuti tidzachotsa mwa okha mameseji ndi zolembedwa zosinthana kudzera mu bokosi la chat la Deriv P2P pambuyo pa miyezi isanu ndi umodzi (6). Izi zikuphatikizapo mameseji onse a malemba, mafayilo, zithunzi, zolembedwa, ndi zambiri zina zilizonse zogawidwa mkati mwa bokosi la chat. Timakulimbikitsani kuti musunge zambiri zilizonse zofunika kapena mafayilo pa chipangizo chanu nthawi ya miyezi isanu ndi umodzi (6) isanathe.
5.3.9. Maudindo a wogulitsa
5.3.9.1. Kaya mukugulitsa poyika zotsatsa kapena kupanga oda, muli ndi maudindo otsatirawa:
5.3.9.1.1. Chotsatsa chikayikidwa, mfundozo zimakhala zomangika ndipo sizingasinthidwe, kukonzedwanso, kapena kusinthidwa. Ndi udindo wanu kuonetsetsa kuti zambiri zomwe mwaika mu chotsatsacho ndi zolondola.
5.3.9.1.2. Muyenera kupereka nthawi zonse mafakitala olondola komanso aposachedwa kwa wogula, kuphatikizapo koma osangokhala pa zambiri za akaunti, mafoni olumikizana nawo, ndi umboni wina uliwonse wotsimikizira chidziwitso chomwe wogula wapempha, kaya ndi mu chotsatsa chimene mwatumiza, oda imene mwaika, kapena mu kucheza kumene mumachita ndi wogula kaya pa pulatifomu yathu kapena kunja kwake. Kupereka zambiri zosalondola kapena zakale kumaonedwa ngati kuphwanya mgwirizano uwu. Mikangano idzathetsedwa mosemphana ndi inu ngati mwapereka zambiri za akaunti zosalondola kapena zakale. Ngati tili ndi chifukwa chokhulupirira kuti mwapereka mwadala zambiri za akaunti zolakwika kwa wogula, tili ndi ufulu wochepetsa, kuimitsa, kapena kuletsa kugwiritsa ntchito kwanu masevesi athu onse.
5.3.9.1.3. Ngati wogula wapempha zambiri kapena umboni wotsimikizira chidziwitso chanu kapena zambiri za akaunti yanu, muyenera kupereka kwa wogula zambiri zomwe wapempha. Kulephera kukwaniritsa pempholi kudzapatsa wogula ufulu wokana kupitiriza ndi malondawo.
5.3.9.1.4. Simuloledwa kusintha zambiri za akaunti zomwe mwapereka mu chotsatsa chanu kapena oda yanu pa nthawi ina iliyonse pambuyo poti malondawo ayambika, kaya pa pulatifomu ya Deriv P2P kapena kunja kwake, kuphatikizapo pamene wogula wapereka chilolezo chake. Tikamafufuza mikangano, tidzangoganizira zambiri za akaunti zoyambirira zimene zaperekedwa ndi wogulitsa mu chotsatsa kapena mu oda.
5.3.9.1.5. Ndi udindo wanu kutsimikizira kuti malondawo amalizidwa ndi wogula molingana ndi zambiri zomwe mwapereka mu chotsatsa chanu. Mukatsimikizira kulandira, ndalama zotsala zokhudzana ndi izi mu akaunti yanu ya Deriv zidzatulutsidwa kwa wogula mwaokha komanso mosasinthika.
5.3.9.1.6. Mukatsimikizira kuti malondawo amalizidwa ndi wogula molingana ndi chotsatsa chanu, muyenera kutsimikizira izi pa Deriv P2P kuti ndalama zotsala zokhudzana ndi izi zitulutsidwe kupita ku akaunti ya wogula ya Deriv. Kulephera kutero, pamene zatsimikizika kuti wogula wakwaniritsa gawo lake la malonda mokwanira ndi molondola, kudzapangitsa kuti mkanganowo uthetsedwe mosemphana ndi inu. Kulephera kobwerezabwereza kapena kwadala kupereka chitsimikizo mwamsanga kungapangitse kuletsedwa kwakanthawi kapena kwamuyaya kwa mwayi wanu wogwiritsa ntchito masevesi athu.
5.3.9.1.7. Mukuvomereza kuti ndalama iliyonse yoikidwa kudzera mu njira zosinthika — kuphatikizapo koma osangokhala makhadi a credit ndi debit (kuphatikizapo makhadi a Maestro ndi Diners Club), ZingPay, Neteller, Skrill, Ozow, ndi UPI — sizionekera mu Chikwama chanu cha Deriv P2P (Wallet) mpaka patapita masiku 180 kuyambira tsiku limene ndalamayo idaikidwa.
5.3.10. Maudindo a wogula
5.3.10.1. Kaya mukugula pogwiritsa ntchito zotsatsa kapena kuika oda poyankha zotsatsa, muli ndi maudindo otsatirawa:
5.3.10.1.1. Ndi udindo wanu wokha kutsimikizira kuti malonda aliwonse akulunjika ku akaunti yolondola komanso kuti zambiri zomwe mwagwiritsa ntchito zikugwirizana ndi zomwe wogulitsa wapereka. Tikulimbikitsa kwambiri kutsimikizira zambiri zolondola za akaunti ndi mnzanu wamalonda ndikuchita kafukufuku wanu woyenera musanayambe malonda aliwonse. Mpaka pamlingo wa lamulo lololedwa, sitidzakhala ndi udindo pa kutayika kwina kulikonse kochokera ku njira ya malonda yolunjika ku akaunti yolakwika kupatula ngati (a) yachitika ndi ife mkati mwa Deriv P2P, ndi (b) tikulephera kugwiritsa ntchito zambiri za akaunti zomwe zaperekedwa kwa ife ndi mbali zonse ziwiri.
5.3.10.1.2. Ngakhale, monga wogula, mutha kuletsa malonda, muli ndi udindo wogwiritsa ntchito njira yoletsa mosamalitsa komanso moyenera. Ngati tili ndi chifukwa chokhulupirira kuti mwakhala mukuletsa malonda pafupipafupi ndi zolinga zachinyengo, tikhoza kuimitsa kapena kuletsa akaunti yanu ndi ife.
5.3.10.1.3. Simuyenera kutsimikizira kumaliza kwa malondawo ngati gawo lanu la malondawo silinakwaniritsidwe, popeza izi zidzaonedwa ngati khalidwe loipa komanso kuphwanya mgwirizano uwu. Ngati tili ndi chifukwa chokhulupirira kuti mwapanga chitsimikizo chonyenga, mikangano iliyonse yokhudzana ndi malondawo idzathetsedwa mosemphana ndi inu. Ngati pali maziko ochulukira oti mumatsimikizira kumaliza pafupipafupi popanda kukwaniritsa gawo lanu la malondawo, tili ndi ufulu woimitsa kapena kuletsa akaunti yanu. Ngati mutatsimikizira kumaliza mwangozi, chonde dziwitsani gulu lathu lothandizira komanso wogulitsa mwamsanga.
5.3.10.1.4. Mukatha kukwaniritsa gawo lanu la malondawo mokwanira ndi molondola, muyenera kutsimikizira kumaliza malondawo oda isanathe. Kupanda kutero, mkangano uliwonse wokhudzana ndi malondawa ungathetsedwe mosemphana ndi inu.
5.3.10.1.5. Mutatsimikizira kumaliza pobwera batani loyenera, mukufunikanso kuika umboni wotsimikizira kuti mwakwaniritsa gawo lanu la malondawo.
5.3.10.1.6. Ngati wogulitsa wapempha zambiri kapena umboni wotsimikizira chidziwitso chanu kapena zambiri za akaunti yanu, ndi udindo wanu kupereka kwa wogulitsa umboni womwe wapempha. Kulephera kukwaniritsa pempholi kudzapatsa wogulitsa ufulu wokana kupitiriza ndi malondawo.
5.3.11. Mtengo wosinthasintha wa kusinthanitsa ndalama
5.3.11.1. Udindo wathu umangokhala wopereka zambiri za msika komanso ukadaulo wokhudzana ndi mitengo yosinthanitsira ndalama. Sitikhazikitsa kapena kutenga nawo mbali pokonza mitengo imeneyi.
5.3.11.2. Mwayi wa mtengo wosinthasintha ukugwira ntchito kokha m'mayiko amene amathandizira zambiri za msika za pa nthawi yeniyeni komanso mtengo wokhazikika wosinthanitsira ndalama.
5.3.11.3. Mwayi wa mtengo wosinthasintha ukugwiritsidwa ntchito ku mitundu iwiri (2) ya ndalama: yokhazikitsidwa (pegged) ndi yosakhazikitsidwa (non-pegged).
5.3.11.4. Mitengo yosinthasintha pa Deriv P2P imasinthidwa ola lililonse kapena ngati pali kusintha kwakukulu kwa mtengo wosinthanitsira ndalama, chomwe chidzachitike choyamba.
5.3.11.5. Makasitomala amene angagwiritse ntchito mtengo wosinthasintha wa kusinthanitsa ndalama akhoza kuwona zambiri za msika akayamba kupanga chotsatsa podina batani lopangira chotsatsa. Ngati mtengo wosinthasintha ulibe, makasitomala akhoza kulowetsa mtengo wosinthanitsira ndalama monga kale.
5.3.11.6. Ngati mtengo wa msika wasintha kupitirira 0.5% oda ya Deriv P2P isanatsimikizidwe, oda idzakanidwa, ndipo kasitomala ayenera kupanga oda yatsopano.
5.3.11.7. Ngati zambiri za msika zachedwa kwa maola oposa makumi awiri ndi anayi (24), tidzayika tokha mtengo wosinthanitsira ndalama woyenera.
5.3.11.8. Nthawi yowonjezera ya masiku makumi atatu (30) imaperekedwa kuti amalizize ma ad a Deriv P2P omwe adapangidwa asanayambe kugwiritsidwa ntchito mtengo wosinthasintha (floating rate). Ma ad amenewa azimitsidwa okha pambuyo pa nthawi yowonjezerayi kutha. Otsatsa ali ndi mwayi wosintha ad yomwe yamizidwayo ndikuyiyambitsanso ndi mtengo wosinthasintha.
5.4. Madandaulo ndi mikangano ya Deriv P2P
5.4.1. Kuyambitsa mkangano
5.4.1.1. Malonda aliwonse angakhale okhudzana ndi mkangano m'kati mwa masiku makumi atatu (30) kuchokera pamene malondawo atha nthawi yake. Mbali iliyonse ya malondawo ili ndi ufulu wokweza mkangano. Mikangano yonse yokhudza malonda iyenera kutumizidwa kwa gulu lathu lothandizira kudzera pa complaints@deriv.com.
5.4.1.2. Kuwunika ndi kuthetsa mikangano kungafunike kuwunika mauthenga pakati pa wogula ndi wogulitsa. Ngati mbali iliyonse ya mauthengawa yachitika pa pulatifomu yathu, siyimadziwika kukhala uthenga wachinsinsi. Pano, mukuvomereza ndikupereka chilolezo kuti ifenso ndife mbali ya uthenga uliwonse umene umachitika pa pulatifomu yathu ndipo tingathe kuwuwona ndi kuwugwiritsa ntchito mogwirizana ndi Mfundo Zachinsinsizathu.
5.4.1.3. Pofufuza mkangano, tingapemphe mbali imodzi kapena zonse za mkanganowo kuti zipereke zolembedwa za mauthenga awo pakati pawo omwe sanachitikire pa pulatifomu yathu.
5.4.2. Kuwunika mkangano
5.4.2.1. Pa nthawi yowunika mkangano, gulu lathu lothandizira lingakupatseni malangizo omwe muyenera kutsatira. Malangizo omwe mupatsidwa angafunike kuti mupereke umboni woti mwamaliza gawo lanu la malondawo, umboni woti mwalandira kapena simunalandire zomwe zinali zoyenera, kutsimikizira kwa ID kowonjezera, chithunzi, mawu, kapena umboni wa vidiyo, kapena zikalata zina zilizonse zomwe timaziona kuti ndi zofunika. Kulephera kutsatira malangizowo kungapangitse kuti mkanganowo uthetsedwe motsutsana ndi inu.
5.4.3. Kuthetsa mkangano
5.4.3.1. Pano mukuvomera kuti mudzalandira chigamulo chathu chomaliza pa mkangano uliwonse wa Deriv P2P umene mungakhalemo.
5.4.3.2. Mukumvetsetsa kuti chotsatira chofala kwambiri, ngakhale sichokhacho, cha malonda okhala ndi mkangano ndikuti timamasula malondawo kwa wogula kapena wogulitsa mukakwaniritsidwa zofunikira zothetsera mkanganowo.
5.4.3.3. Mukuvomereza kuti kuthetsa mkangano moyenerera inu sikutipangitsa kukhala ndi udindo waliwonse wovomerezeka wolipirira zotayika kapena zowononga zomwe mwakumana nazo.
5.4.3.4. Muyenera kukhala opezeka kuti muyankhe pempho lochokera kwa gulu lathu lothandizira lokhudza malonda omwe ali ndi mkangano.
5.4.3.5. Kuti tionetsetse kuti mkangano wathetsedwa mwachilungamo ndi mwachangu, timafuna kufika pa chigamulo m'maola asanu ndi limodzi (6) kuchokera pamene tinayamba kulankhulana. Komabe, pangakhale nthawi zina zomwe kufufuza kwakuya kumafunika chifukwa cha kuvuta kwa nkhani ya mkanganowo kapena kulandira umboni watsopano. Pa nthawi zoterezi, sizingatheke kutsatira nthawi yokhazikika ya maola asanu ndi limodzi (6). Choncho, timasunga ufulu wowonjezera nthawi yothetsera mkanganowo malinga ndi mmene kunayenera, kutengera kuvuta ndi kutalika kwa kafukufuku wofunikira kuti tifike pa chigamulo chachilungamo ndi choyenera. Mudzadziwitsidwa msanga ngati kuwonjezera nthawi kukufunika, pamodzi ndi nthawi yoyerekeza yomwe zidzatengera kuti zitheke.
5.4.3.6. Ngati gulu lathu lothandizira silingathe kukulumikizanani m'kati mwa nthawi yoyerekeza, mudzaonedwa ngati osayankha, ndipo mkanganowo udzathetsedwa motsutsana ndi inu chifukwa cha chimenechi chokha.
5.4.3.7. Ngati mbali iliyonse ya malonda okhala ndi mkangano ipereka mauthenga onyenga kapena zikalata zonyenga kapena kupanga zonena zabodza kapena mwanjira ina kufuna kukakamiza chotsatira chinachake cha malonda okhala ndi mkangano, mkanganowo udzathetsedwa nthawi yomweyo motsutsana ndi mbali imeneyo.
5.4.3.8. Kuthetsa mkangano moyenerera wogula
5.4.3.8.1. Tikhoza kuthetsa malonda okhala ndi mkangano moyenerera inu monga wogula pamene tatsimikizira zosachepera chimodzi mwa zinthu izi:
5.4.3.8.1.1. Mwamaliza gawo lanu la malondawo kwathunthu ndi malinga ndi malangizo operekedwa ndi wogulitsa; kapena
5.4.3.8.1.2. Wogulitsa wakhala wosayankha (gulu lathu lothandizira silinathe kufikira wogulitsa kwa maola asanu ndi limodzi (6)).
5.4.3.9. Kuthetsa mkangano moyenerera wogulitsa
5.4.3.9.1. Mukumvetsetsa ndi kuvomereza kuti ngati mumamasula ndalama zokhudzana kwa wogula musanatsimikizire kuti wogulayo wamaliza gawo lake la malondawo kwathunthu ndi molondola, sitidzakhala ndi udindo wobwezera ndalama zimenezo m'Chikwama chanu (Wallet) kapena kupereka mtundu uliwonse wa malipiro owonjezera.
5.4.3.9.2. Tikhoza kuthetsa malonda okhala ndi mkangano moyenerera inu monga wogulitsa pamene tatsimikizira zosachepera chimodzi mwa zinthu izi:
5.4.3.9.2.1. Wogula sanamalize gawo lake la malondawo kapena sanalimalize kwathunthu;
5.4.3.9.2.2. Malondawo asungidwa/azizidwa/aletsedwa ndi wopereka ntchito wa wogula;
5.4.3.9.2.3. Wogula sanamalize gawo lake la malondawo malinga ndi malangizo operekedwa mu ad yanu; kapena
5.4.3.9.2.4. Wogula wakhala wosayankha (gulu lathu lothandizira makasitomala silinathe kufikira wogula kwa maola asanu ndi limodzi (6)).
5.5. Kuthetsa mgwirizano
5.5.1. Ngati chilichonse mwa zikhalidwe zili pansipa kapena chilichonse mwa zikhalidwe zoletsera kapena kuthetsa ntchito zomwe zatchulidwa mu Mfundo Zathu Zonse (General Terms) ndi zoona, timasunga ufulu: (1) kuletsa malonda anu ndikubweza ndalama zokhudzana ndi mbali zomwe zikukhudzidwa monga mmene timaonera n'zoyenera, kuphatikizapo ndalama zilizonse zomwe zili m'Chikwama chanu (Wallet); (2) kutseka malonda alionse osamalizidwa mpaka kalekale; ndi/kapena (3) kuletsa, kuimitsa, kapena kuthetsa kugwiritsa ntchito kwanu ntchito zathu zonse kuphatikizapo Deriv P2P, zomwe zingaphatikizepo kuchotsa kwakanthawi kapena kwamuyaya chilolezo chanu chotumiza ma ad pa pulatifomu ya Deriv P2P:
5.5.1.1. Ngati pali chikaiko kapena umboni wa zochita zachinyengo, kuphatikizapo kupereka zikalata zabodza mu chatbox ya Deriv P2P, kunyenga ogwiritsa ntchito ena, kutsuka ndalama zoyipa (money laundering), kapena zochita zina zosaloledwa kapena zosemphana ndi malamulo zokhudzana ndi kugwiritsa ntchito kwanu Deriv P2P; kapena
5.5.1.2. Ngati tikudziwa kapena tili ndi chifukwa chokhulupilira kuti mwagwiritsa ntchito Deriv P2P mosasamala kangapo, kapena ndi zolinga zachinyengo, kuphatikizapo mikhalidwe yotsatirayi ikachitika kupitilira kamodzi:
5.5.1.2.1. Ngati muli wogula: kulephera kumaliza mbali yanu ya malondawo nthawi isanathe, kutsimikizira kumaliza pamene simunakwaniritse mbali yanu ya malondawo mokwanira ndi molondola, kapena kuthetsa malondawo; kapena
5.5.1.2.2. Ngati muli wogulitsa: kulephera kutsimikizira kulandira ndalama pambuyo pa wogula atamaliza mbali yake ya malondawo mokwanira ndi molondola.
