Terms of Use
Website www.i-change.co.il
Raz Haim - Currency Services Ltd.
Extended Financial Asset License No. 56795 | Credit License No. 54705
Last updated: June 2026
These Terms of Use apply to the public website only. For use of the CASHLOCK application and the personal area, please see the separate terms of use published in the application.
1. General and Contractual Relations
1.1 The Parties to the Agreement
These Terms of Use (the "Terms") set out your rights and obligations when using the website www.i-change.co.il (the "Website") of Raz Haim - Currency Services Ltd., company no. 515329415, operating under the trade name I-Change, holder of Extended Financial Asset License No. 56795 and Basic Credit License No. 54705 issued by the Capital Market, Insurance and Savings Authority, with its address at 3 Ein HaHatul, Government Offices Complex (Shop 108), Eilat (the "Company").
These Terms must be read carefully together with the Company's Privacy Policy published on the Website, which forms an integral part of these Terms. In any case of inconsistency between these Terms and the Privacy Policy regarding the processing of personal data, the Privacy Policy shall prevail.
1.2 Acceptance of the Terms
Any use of the Website in any manner, including browsing, viewing content, filling out forms, clicking links, sending inquiries, or any other interaction with the Website, constitutes full, unconditional, and binding acceptance of these Terms.
If you do not agree to these Terms in their entirety, you are not permitted to access or use the Website in any way. In such case, you must close the Website immediately.
1.3 Conditions for Using the Website
Access to the Website is permitted to any person without registration, subject to these Terms. However, access to the personal area and use of financial services require registration and are subject to separate terms of use for the CASHLOCK application.
1.4 Language and Binding Version
These Terms of Use are drafted in Hebrew, Russian, English, and Arabic. In the event of any inconsistency between the different versions, the Hebrew version shall prevail and shall be deemed the binding version. Section headings are provided for convenience only and shall not be used for interpretation purposes.
1.5 Changes to the Terms
The Company may amend and update these Terms at any time, at its sole discretion. Changes shall take effect upon their publication on the Website. The date of the update to the Terms of Use shall appear at the top of the document. Your continued use of the Website after publication of changes constitutes acceptance of the updated Terms. We recommend reviewing these Terms from time to time.
1.6 Additional Terms
Use of specific services on the Website (such as submitting a service order or accessing the personal area) may be subject to additional terms presented to you at the time of use. Such terms supplement these Terms of Use and do not derogate from them.
2. The Website - Purpose and Content
2.1 Nature of the Website
The Website is the Company's public platform. It is intended to provide information about the Company's services, enable initial contact, and serve as an entry point to the personal area and to downloading the application. The public Website is not a platform for carrying out direct financial transactions; such transactions are carried out solely through the CASHLOCK application and/or the personal area, subject to separate terms of use.
2.2 Website Content
The Website offers the following content:
• Information about the Company's services: details of money transfer services, currency exchange, the CASHLOCK digital wallet, and the Max card.
• Indicative currency rates - see the important disclaimer in section 2.3 below.
• Branch information: address, business hours, contact details.
• Legal documents: Terms of Use, Privacy Policy, tariff.
• Regulatory information: license details, supervision by the Capital Market Authority.
• Contact forms and initial service requests.
• Access to the personal area (registration required).
• Link to download the CASHLOCK application.
• Frequently asked questions and guides.
2.3 Currency Rates - Important Disclaimer
The exchange rates displayed on the public Website are for general indication purposes only. They are not binding, are not customer-specific, and may change at any moment without notice. The Company shall bear no liability for any damage caused by reliance on these rates. The final and binding rates shall be determined only when the actual transaction is carried out through the application or at the branch.
2.4 Accuracy of Information
The Company makes reasonable efforts to keep the information on the Website up to date, but does not warrant that all information on the Website is accurate, complete, or current at all times. Information relating to services, fees, and regulation may change. In case of doubt, please contact customer service directly.
2.5 Website Availability
The Company will make reasonable efforts to keep the Website available, but does not guarantee uninterrupted availability. The Website may be unavailable due to periodic maintenance (notice will be given in advance whenever possible), technical failures, internet service provider failures, force majeure, or content updates. The Company shall not be liable for any damages caused by the Website's unavailability.
3. Service Orders Through the Website
3.1 What Is a Service Order
The Website allows users to submit initial service requests ("Service Order"), such as a request for an international money transfer, a request for currency exchange, a request to open a digital wallet, or a request to receive information about a specific service.
3.2 How It Works - Important Information
Submitting a Service Order through the Website does not constitute execution of the transaction and does not create a binding commitment on the part of the Company. Please note:
• Service Orders are not processed automatically - each order is handled manually by Company representatives.
• After submitting the request, a Company representative will contact you to coordinate further handling.
• The actual execution of the financial transaction shall take place at the Company's branch and/or through the application, subject to signing a service agreement and full compliance with identification (KYC) and anti-money laundering (AML) requirements.
• The service will be provided during the Company's business days and hours: Sunday-Thursday 09:00-17:00, Friday 09:00-13:00.
• The financial transactions themselves are carried out at the branch: 3 Ein HaHatul, Government Offices Complex (Shop 108), Eilat.
3.3 Refusal to Perform
The Company is not obligated to carry out every Service Order and may refuse to perform an order, in whole or in part, at any time and for any reason, including failure to meet identification requirements, suspicion of unlawful activity, regulatory restrictions, AML considerations, or any other reason at the Company's discretion. You shall have no claim, demand, or cause of action against the Company due to such refusal.
3.4 Accuracy of Information in the Order
You are solely responsible for the correctness and accuracy of all information you provide in the Service Order, including recipient details, amounts, and currencies. The Company shall bear no liability for damages caused by errors in the information you provided.
4. License to Use the Website
4.1 Grant of License
Subject to these Terms and applicable law, the Company grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes only.
4.2 Scope of the License
The license permits:
• Browsing and viewing Website content for personal purposes.
• Using the contact forms to submit inquiries and service requests.
• Downloading, for personal use, documents available for public download (such as the Terms of Use and Privacy Policy).
• Accessing the personal area, subject to registration and separate terms of use.
4.3 What the License Does Not Include
The license does not transfer to you any right in the Company's intellectual property and does not permit:
• Any commercial use of the Website content or data appearing on it.
• Copying, reproduction, distribution, transmission, or publication of content without explicit written approval.
• Modification, adaptation, translation, or creation of derivative works from Website content.
• Removal, alteration, or concealment of copyright notices, trademarks, or any proprietary notice.
• Use of Website content for building a competing product, service, or system.
• Sale, licensing, or any commercial exploitation of access to the Website.
4.4 Revocation of the License
The Company may revoke the license and block your access to the Website at any time, at its sole discretion and without prior notice, if you breach these Terms or if there is any other reason to do so.
5. Restrictions on Use - Prohibited Actions
Use of the Website is subject to the following restrictions. Breach of these restrictions may result in blocking your access to the Website and, in some cases, exposure to civil and/or criminal liability.
5.1 Unlawful Use
You may not use the Website:
• For any unlawful, immoral, harmful, or unauthorized purpose.
• To carry out prohibited transactions, including money laundering, terrorist financing, fraud, or sanctions evasion.
• To distribute inciting, racist, pornographic, violent, or harmful content.
• To impersonate another person, company, or entity.
• To present false or misleading information about the Company, its services, or its employees.
5.2 Commercial Use
You may not make commercial use of the Website without the Company's explicit prior written approval, including:
• Using Website content for advertising, marketing, or commercial promotion.
• Scraping, collecting, or indexing data from the Website for commercial purposes (web scraping).
• Displaying Website content on an external website without permission (framing/embedding).
• Selling, licensing, or transferring access to the Website to a third party.
5.3 Interference with the Website
You may not take actions that may impair the Website's operation, including:
• Using automated tools such as robots, scanners, data mining tools, scripts, or crawlers without authorization.
• Flooding the Website's servers with requests (DDoS, DoS).
• Attempting to penetrate the Website's systems, bypass security measures, or access unauthorized areas.
• Placing an unreasonable traffic load on the Website's infrastructure.
• Disrupting the user experience of other users.
5.4 Privacy Violations
You may not:
• Collect, harvest, or store personal information about other users without their consent.
• Track the activity of other users on the Website.
• Use information obtained from the Website for direct marketing without authorization.
5.5 Harm to Content
You may not:
• Upload malicious code, viruses, trojans, worms, or any harmful software to the Website.
• Alter, remove, or damage content on the Website.
• Create links to the Website from sources distributing harmful, unlawful, or offensive content.
5.6 Responsibility
You are solely responsible for any use you make of the Website and for all damages caused to the Company, other users, or third parties as a result of breaching these restrictions.
6. Intellectual Property
6.1 Ownership
The Website, all of its content, and its design, including without limitation the texts, graphics, images, logo, symbols, interface, code, algorithms, databases, structure, arrangement, and method of presentation, are the exclusive property of the Company or are licensed to it by third-party owners and are protected by:
• Israeli copyright law and international laws.
• Israeli and international trademark laws.
• Trade secret protection laws.
• Patent and licensing protections.
6.2 Trademarks
The names "I-Change", "CASHLOCK", the Company's logo, and the Website design are trademarks and/or trade names of the Company, whether registered or not. All other trademarks appearing on the Website belong to their respective owners.
You may not use the Company's trademarks without explicit written approval, including using the Company's name in advertisements, creating products bearing the Company's name, or displaying the Company's logo in misleading contexts.
6.3 Content You Provide
If you provide any content to the Website (such as inquiries, comments, or information in forms), you represent that you are the owner of such content or have the right to provide it, that the content does not infringe any third-party rights, and that you grant the Company a non-exclusive, royalty-free license to use such content for the purpose of providing the service.
6.4 Links to External Websites
The Website may include links to external websites not operated by the Company. Such links are provided solely for the user's convenience and do not constitute a recommendation of those websites, approval of their contents, responsibility for their proper operation, or any indication of any connection between the Company and those websites. The Company shall bear no liability for content, services, or damages arising from external websites.
7. Limitation of Liability
7.1 General Liability - "As Is"
The Website and its content are provided "as is" and "as available", without any express, statutory, implied, or other warranty of any kind. The Company does not undertake, represent, or warrant, expressly or impliedly, that:
• The Website will operate continuously, without errors or interruptions, and will be free from viruses or other harmful components.
• The information on the Website will be accurate, complete, current, reliable, or suitable for any specific purpose.
• Defects in the Website, if any, will be corrected.
• The Website will meet your expectations or requirements.
7.2 Currency Rates - Liability
The exchange rates displayed on the public Website are for indicative purposes only. The Company shall bear no direct or indirect liability for damages caused by reliance on exchange rates displayed on the Website. The final and binding exchange rates shall be determined only when the actual financial transaction is carried out.
7.3 Liability for External Content
The Company shall bear no liability for content, services, products, or information appearing on external websites to which the Website links. Entry into external websites and any use thereof are at your sole responsibility.
7.4 Limitation of Damages
In no event shall the Company, its directors, employees, representatives, or service providers be liable for the following types of damages, even if notified of the possibility of such damages:
• Direct damages, except in cases of gross negligence or fraud.
• Indirect, consequential, special, punitive, or incidental damages.
• Loss of profits, revenues, business, goodwill, or data.
• Damages arising from loss of time, work, or business opportunity.
• Damages arising from reliance on information from the Website.
• Damages arising from unauthorized access to systems, viruses, or cyberattacks.
7.5 Indemnification
You undertake to indemnify and compensate the Company, its directors, employees, representatives, and suppliers (the "Indemnified Parties") immediately upon first demand for any damage, payment, expense (including reasonable attorneys' fees), fine, liability, settlement, or claim incurred by the Indemnified Parties as a result of:
• Your breach of these Terms.
• Your unlawful use of the Website.
• Your infringement of third-party rights (including intellectual property rights).
• Your presentation of false information through the Website.
• Any third-party claim arising from your actions.
8. Privacy and Cookies
8.1 Privacy Policy
The Company respects users' privacy. Any collection, retention, and use of personal information obtained through the Website are detailed in the Company's full Privacy Policy, which forms an integral part of these Terms. The Privacy Policy is published at: www.i-change.co.il/privacy.
Among other things, the Privacy Policy regulates the types of information collected, the purposes of use, sharing with third parties, retention periods, and your rights to access, correct, and delete information.
8.2 Cookies
The Website uses cookies and similar tracking technologies. Essential cookies (for the Website's basic operation) operate automatically. Performance and marketing cookies are activated subject to your choice in the consent banner displayed upon your first visit to the Website.
For full details on the types of cookies, their purposes, and how to manage them, please see section 8 of the Privacy Policy.
8.3 Privacy Inquiries
For any question, inquiry, or request regarding privacy, you may contact the Company's Privacy Protection Officer at: info@i-change.co.il, stating "For the attention of the Privacy Protection Officer" in the subject line.
9. Website Accessibility
9.1 Commitment to Accessibility
The Company is committed to making the Website accessible to persons with disabilities, in accordance with the Equal Rights for Persons with Disabilities Regulations (Accessibility Adjustments for Service), 2013, and Israeli Standard SI 5568 based on the WCAG 2.1 guidelines.
9.2 Accessibility Features
The Website includes accessibility adjustments including, among other things:
• Compatibility with screen readers.
• Option to enlarge text.
• Appropriate color contrast.
• Keyboard navigation.
• Captions for multimedia content, where applicable.
9.3 Accessibility Inquiries
If you encounter difficulty accessing any content on the Website, or if you have a suggestion for improving accessibility, please contact us:
• Email: info@i-change.co.il - state in the subject line: "Accessibility Inquiry".
• Phone: 08-8557300.
We undertake to give priority treatment to accessibility inquiries and to respond within 5 business days.
10. Termination of Use and Discontinuation of the Website
10.1 Termination of Access by the Company
The Company may, at any time and at its sole discretion, take any of the following actions without prior notice and for any reason:
• Block your access to the Website, in whole or in part.
• Temporarily or permanently discontinue the Website's operation.
• Change, remove, update, or add content to the Website.
• Change the Website's structure, design, and method of navigation.
The Company shall bear no liability toward you due to the above actions, including due to reliance on content that has been removed.
10.2 Discontinuation of Use by You
You may stop using the Website at any time without any demand from us. Termination of use does not release you from obligations that arose before such termination, including indemnification obligations.
10.3 Provisions That Remain in Effect
Upon termination of use of the Website, the following provisions shall remain in effect: limitation of liability, indemnification, intellectual property, governing law and jurisdiction, and any other provision that by its nature is intended to survive termination.
11. Governing Law and Jurisdiction
These Terms of Use and all relations between the parties arising from them shall be governed exclusively by the laws of the State of Israel, without regard to conflict-of-law principles.
Any dispute, claim, allegation, or conflict arising from these Terms of Use, the Website, or the relations between the parties shall be brought before the competent court in Israel, which shall have exclusive jurisdiction to hear them.
The parties agree to first attempt to resolve any dispute through direct negotiation. If no solution is reached within 30 days, either party may turn to the courts.
If a particular provision of these Terms is found unenforceable under applicable law, that provision shall be reduced to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
12. General Provisions
12.1 Entire Agreement
These Terms of Use, together with the Privacy Policy, constitute the entire agreement between the parties regarding use of the Website and supersede any prior agreement, representation, arrangement, or understanding on this matter, whether written or oral.
12.2 Waiver
Failure by the Company to exercise any right under these Terms, whether on one occasion or on several occasions, shall not constitute a waiver of that right and shall not prevent the Company from exercising it in the future. A waiver of a particular right is valid only if given in writing and signed by an authorized representative of the Company.
12.3 Assignment of Rights
You may not assign, transfer, or delegate any right or obligation under these Terms to any third party without the Company's prior written approval. The Company may assign its rights and/or obligations under these Terms to any entity, including in the event of a merger, acquisition, or corporate restructuring.
12.4 Gender Neutrality
These Terms of Use are drafted in the masculine form for convenience only and refer equally to women and men.
12.5 Force Majeure
The Company shall bear no liability for failure or delay in performing any obligation arising from these Terms if caused by an event beyond its reasonable control, including natural disasters, war, epidemic, strikes, failures in national infrastructure, or regulatory decisions.
12.6 Contacting the Company
For any question, inquiry, complaint, or request regarding these Terms:
• Email: info@i-change.co.il
• Phone: 08-8557300
• WhatsApp: 050-4207770
• Address: 3 Ein HaHatul, Government Offices Complex (Shop 108), Eilat
• Website: www.i-change.co.il
• Business hours: Sunday-Thursday 09:00-17:00, Friday 09:00-13:00
Raz Haim - Currency Services Ltd. | I-Change
info@i-change.co.il | www.i-change.co.il | 08-8557300 | 050-4207770
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