TERMS OF SERVICE
Last updated: September 27, 2026
1. About These Terms
These Terms of Service govern your access to satoexchangepty.com and your interactions with SATO Exchange PTY (“SATO,” “we,” “us,” or “our”).
SATO provides privately coordinated digital asset exchange and settlement services from Panama City, Panama, subject to availability, verification and individual transaction requirements.
By using this website or requesting a service from SATO, you acknowledge these Terms.
2. Our Services
SATO primarily facilitates privately coordinated transactions involving digital assets and fiat currency, including USDT-to-cash and cash-to-USDT transactions.
Depending on availability and the individual transaction, services may also include Panama bank transfers, bank deposits, selected payment methods, selected international settlements, cash operations in supported locations and custom payment coordination.
Availability varies by asset, amount, location, payment method and transaction requirements.
3. Quotes and Rates
Rates and fees may vary according to the asset, amount, settlement method, market conditions, liquidity, destination and other transaction requirements.
A rate or quote is valid only for the period and conditions communicated by SATO.
Cryptocurrency prices and market conditions can change quickly. A previously provided rate is not guaranteed until the transaction terms have been confirmed.
Contacting SATO or requesting a quote does not obligate either party to complete a transaction.
4. Transaction Confirmation
Before execution, the relevant transaction details may be confirmed with you, including the digital asset, amount, exchange rate or fee, payment method, destination and settlement method.
A transaction should not be considered confirmed solely because an initial inquiry, indicative rate or message has been exchanged.
Clients are responsible for reviewing the transaction information provided to them before confirming that they wish to proceed.
5. Verification
Depending on the transaction amount, settlement method, destination, risk profile or other circumstances, SATO may request identification, transaction information or supporting documentation before proceeding.
SATO may decline, delay or discontinue a transaction where requested information is not provided or where the transaction cannot reasonably be completed.
Providing requested information does not guarantee that SATO will accept or execute a transaction.
6. Client Responsibilities
You are responsible for providing accurate information and ensuring that payment details, bank information, cryptocurrency wallet addresses and other settlement instructions provided to SATO are correct.
You should carefully verify all transaction information before sending cryptocurrency or funds.
If transaction instructions change during the process, you should confirm the change directly through an official SATO communication channel before proceeding.
You must not use SATO services for fraud, money laundering, sanctions evasion, theft, unauthorized transactions or any other unlawful purpose.
7. Bank Transfers and Third-Party Services
Some transactions may involve banks, payment providers, financial institutions, payment networks or other third-party service providers.
Processing times, compliance reviews, availability, charges and settlement times imposed by third parties are outside SATO’s direct control.
SATO does not guarantee that a bank, payment provider or other third party will accept or process a particular transaction.
8. International Transactions
Selected international transaction and settlement options may be available depending on the destination, amount, transaction structure and service providers involved.
Availability should be confirmed with SATO before initiating a transaction.
Clients are responsible for complying with any laws, tax obligations or reporting requirements applicable to them in their country or jurisdiction.
9. Cancellation and Refusal of Service
SATO may decline or discontinue a transaction before execution where necessary due to availability, verification requirements, changed market conditions, third-party restrictions, security concerns or other reasonable operational considerations.
A client may choose not to proceed before confirming a transaction, subject to any costs or obligations already incurred and expressly communicated in connection with the requested service.
10. Risks
Digital assets can experience significant and rapid changes in value.
SATO does not guarantee the future value, liquidity, performance or stability of any digital asset.
Information provided on this website is for general informational purposes and should not be understood as investment, tax or legal advice.
You are responsible for determining whether a transaction is appropriate for your own circumstances.
11. Website Information
We aim to keep information on this website accurate and current, but service availability, supported assets, rates, fees and other information may change.
Information displayed on the website does not constitute a guaranteed offer to execute a transaction.
Current transaction terms should always be confirmed directly with SATO.
12. Limitation of Liability
To the extent permitted by applicable law, SATO is not responsible for losses arising solely from incorrect information supplied by a client, incorrect wallet addresses or payment instructions, blockchain network failures, third-party service interruptions, market price movements or events reasonably outside SATO’s control.
Nothing in these Terms excludes or limits any rights or liabilities that cannot lawfully be excluded or limited.
13. Privacy
Personal information is handled in accordance with our Privacy Policy.
Depending on the requested service, certain personal or transaction information may be required before SATO can proceed.
Please review our Privacy Policy for additional information about how personal information may be collected and used.
14. Changes to These Terms
We may update these Terms from time to time to reflect changes to our services, website practices or applicable requirements.
The current version will be published on this page with its latest revision date.
15. Contact
Questions about these Terms or a specific transaction can be directed to:
SATO Exchange PTY
Panama City, Panama
WhatsApp: +507 6752-6973
Email: info@satoexchangepty.com
Website: satoexchangepty.com