Terms of Use
Effective date: 6 October 2026 Last updated: 6 October 2026 Version: 2.1
These Terms of Use (“Terms”) are a binding agreement between you and YOUNGESTG HOLDINGS LTD (“the Company”, “we”, “us”, or “YOUNGESTG”) for your use of the YOUNGESTG app, youngestgexchange.com, and related services (the “Platform”).
By creating an account, ticking acceptance, or using the Platform, you agree to these Terms, the Privacy Policy, and the AML/CFT Policy. If you do not agree, do not use the Platform.
YOUNGESTG HOLDINGS LTD provides the Platform and the customer relationship. The app name is YOUNGESTG. The website is youngestgexchange.com.
Support: support@youngestgexchange.com Compliance: compliance@youngestgexchange.com Telephone: +1 289 818 9980 Website: https://youngestgexchange.com
We are not a bank. Balances on the Platform are not deposits with a bank and are not covered by a deposit-insurance scheme, unless a specific corridor states otherwise in writing. We do not pay interest unless a product page expressly says so.
Subject to availability, verification, and these Terms, YOUNGESTG may allow you to:
view exchange rates and fees;
hold a balance in supported fiat currencies;
send and receive remittances and supplier, tuition, or family payments;
exchange between supported fiat currencies;
send value to another verified YOUNGESTG user, including through YGE Pay;
deposit, swap, trade, and withdraw supported virtual assets.
Supported currencies, corridors, and limits are shown in the app and may change. A corridor being visible does not guarantee that a particular payout method is available at the time you confirm.
Virtual-asset deposits, swaps, trades, and withdrawals are YOUNGESTG services. Supported assets and networks are those shown in the app. We may suspend an asset, a network, or a corridor for compliance, liquidity, or technical reasons.
Some fiat payouts are completed through licensed payout partners. YOUNGESTG remains your contracting party. A payout partner does not become a party to these Terms by completing a payout.
Fiat collections may be received in designated accounts and credited only after we match and approve the payment. A transfer you send to a wrong account, reference, or network may be delayed or lost.
You may use the Platform only if:
you are at least 18 years old and able to enter a contract;
you act for yourself, or for a business you are authorised to bind;
you are not on a sanctions list and not located, resident, or established in a prohibited jurisdiction;
you complete YOUNGESTG identity verification when asked;
your use is lawful where you are, where we are, and where the beneficiary is.
We offer the service only in countries we permit. Availability in an app store does not by itself mean the service is offered in that country. We may refuse users in a territory where we are not prepared to offer the service, including the United States, the United Kingdom, and the European Economic Area.
A business account requires a duly formed entity and the identification of directors and beneficial owners. You must tell us if your authority to bind the business ends.
You must provide accurate information and keep it current. You are responsible for activity under your account, including activity by a person who uses your credentials, unless the law says otherwise.
Keep your password, PIN, and one-time codes confidential. Enable two-factor authentication where we offer it. Tell us immediately if you suspect unauthorised access. We may freeze the account while we investigate. We may not restore value transferred out with your credentials before you notified us.
We may send notices by in-app message, email, or SMS to the details on the account. You are responsible for keeping those details valid.
You cannot deposit, exchange, transfer, or withdraw until YOUNGESTG has verified you. We may ask again at any time. We may refuse a document, ask for proof of address, or ask for source-of-funds evidence. An unverified user may view rates only.
We may approve you for limited use and raise limits only after further checks. A completed check is not a promise that every future transfer will be released.
Before you confirm, the app shows the rate, the amount the beneficiary is expected to receive, and the fee, where the corridor supports a firm quote. Check that screen. Your confirmation is an offer to transact on those terms.
Quotes expire. A quote may be a few seconds for a virtual-asset swap and longer for a fiat transfer. If a quote expires, you must request a new one. We may cancel a quote before acceptance if the market moves, liquidity is withdrawn, or a compliance hold applies.
Fees are disclosed in the app or on the fee page. A bank, mobile-money operator, or blockchain network may charge a separate fee. Network fees for virtual-asset withdrawals are variable and shown before you confirm. We may change fees on notice, except for a transaction already confirmed.
A zero-fee promotion applies only to the service named in the promotion, for the period stated. It does not include network fees or corridor fees outside the promotion.
You must give a correct beneficiary name, account, wallet, network, and purpose. We execute on the details you enter. We are not liable for a loss caused by incorrect details you supplied, except where the law does not allow that exclusion.
Fiat payout times depend on the corridor, the beneficiary institution, and compliance review. “Minutes” or “instant”describes the target experience after approval, not a guarantee. Cut-off times, holidays, and network outages can delay a payout.
We may delay, refuse, or reverse a transfer if:
verification or source-of-funds information is incomplete;
the transfer is inconsistent with your profile;
we suspect fraud, error, or financial crime;
a bank, payout rail, or network rejects it;
a court, regulator, or financial intelligence unit requires a hold;
you are in breach of these Terms.
If we cannot complete a transfer, we will return available value to the source or to your YOUNGESTG balance, less any irreversible network fee, where the law and the payment rail allow a return.
YGE Pay and other user-to-user transfers are available only between verified users and may be final once the recipient’s balance is credited.
Virtual-asset services are provided by YOUNGESTG. Virtual assets are volatile. You can lose some or all of the value. Past performance is not a guide. We do not advise you to buy, sell, or hold any asset.
Supported assets and networks are listed in the app. Sending an asset on the wrong network, or to the wrong address, can result in permanent loss. We do not control public blockchains and are not responsible for congestion, forks, failed network transactions, or protocol changes.
A wallet balance displayed in the app reflects YOUNGESTG records. A delay in an on-chain credit or a compliance hold can create a temporary difference. We will correct a proven reconciliation error.
We may refuse a deposit from, or a withdrawal to, an address associated with sanctions, fraud, mixers, or other prohibited activity. We may require originator and beneficiary information before releasing a withdrawal.
Nothing on the Platform is an offer of securities, a collective investment, or a guarantee of liquidity.
You must not:
break these Terms, the AML/CFT Policy, or applicable law;
use the account for a third party, other than a beneficiary you have properly identified;
upload false documents or impersonate another person;
probe, scrape, reverse engineer, or disrupt the Platform, except where the law allows;
use the service for a prohibited activity listed in the AML/CFT Policy;
abuse support staff or submit a false fraud claim;
use the Platform if we have suspended you.
We may monitor use for security and compliance. We do not undertake to monitor every message you send to another user.
We may restrict, suspend, or close an account, with or without notice, if:
you breach these Terms or we reasonably suspect you will;
we are required to by law or by a risk decision;
the account is dormant and the balance is handled under applicable unclaimed-property rules;
we stop offering the service in your country.
You may close your account in the app or by writing to support, after outstanding transfers are settled and checks are complete. Closure does not cancel a report we have already made, or our duty to keep records.
On closure we will return a lawful available balance, less fees owed, to a verified account in your name. We may withhold value while a dispute, chargeback, or investigation is open.
We own the Platform, the YOUNGESTG name and logo, and our content. We grant you a limited, revocable, non-exclusive licence to use the app for its intended purpose. You must not copy our brand or imply a partnership you do not have.
Feedback you give us may be used without payment or restriction.
The Platform is provided on an “as available” basis. We work to keep it accurate and available, but we do not warrant uninterrupted access, a particular exchange rate, or that a payout will complete within a stated time.
To the extent the law allows, we are not liable for indirect, incidental, special, or consequential loss, loss of profit, loss of data, or loss caused by a blockchain network, a beneficiary bank, incorrect details you supplied, or a compliance hold taken in good faith.
Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any liability that applicable law does not allow us to exclude. Your statutory rights as a consumer, where they cannot be waived, remain in force.
Our total liability arising out of a transaction is limited to the fees you paid us for that transaction, except where the law requires a different limit.
You will indemnify us and our directors and staff against loss arising from your breach of these Terms, your violation of law, or your infringement of a third party’s rights, except to the extent caused by our fraud or wilful misconduct.
Write to support@youngestgexchange.com with“Complaint” in the subject line. Include your registered name, phone number, transaction reference, and what you want us to do. We will acknowledge the complaint and aim to send a final response within fifteen (15) business days, or a holding reply and a final response within thirty-five (35) business days if the matter is complex or depends on a payout rail.
If you remain dissatisfied, you may refer the matter to a competent authority or court in accordance with section 16. A complaint does not require us to release a compliance hold.
We may change these Terms by posting the new version and updating the date. For a material change, we will give notice in the app or by email before it takes effect where practicable. Continued use after the effective date is acceptance. If you do not agree, stop using the Platform and close your account.
A change required by law may take effect immediately.
16. Governing law and disputes
These Terms are governed by the laws of the jurisdiction in which YOUNGESTG HOLDINGS LTD is incorporated, without prejudice to any mandatory consumer, payments, or financial-crime law of your country of residence that cannot be excluded.
Courts of that place of incorporation have jurisdiction, except where a mandatory law gives you the right to sue in your home courts. Before filing a claim, you agree to attempt to resolve the dispute through the complaint process in section 14, unless urgent injunctive relief is needed.
If a provision is unenforceable, the rest remains in force. Failure to enforce a right is not a waiver. You may not assign your account. We may assign these Terms to an affiliate or a successor. These Terms, the Privacy Policy, and the AML/CFT Policy are the entire agreement on their subject and replace earlier public terms for use of the Platform from the effective date.
In a conflict between these Terms and a product-specific rule shown in the app at the time you confirm, the product-specific rule prevails for that transaction. In a conflict with the AML/CFT Policy on a financial-crime control, the AML/CFT Policy prevails.
YOUNGESTG HOLDINGS LTD App: YOUNGESTGWebsite: https://youngestgexchange.comsupport@youngestgexchange.comcompliance@youngestgexchange.com +1 289 818 9980
6 October 2026