General Terms and Conditions

Art. 1. By using any part of the platform offered by bulto.io, you declare that you are familiar with these General Terms and Conditions, agree to comply with them, and accept them in full.

Art. 2. The service offered by bulto.io is owned by the company VirtuVault Technologies EOOD, registered in Bulgaria under UIC: 207524160, with office address: Sofia 1404, Sofia District (Metropolis), Metropolitan Municipality, Triaditsa region, 49A Bulgaria Blvd, fl. 1.2, ap. Office.

Art. 3. VirtuVault Technologies EOOD reserves the right to modify the General Terms and Conditions at any time. The last revision was published on 21.07.2025, which included a Privacy Policy in accordance with Article 13 of Regulation 2016/679 (GDPR). An amendment dated 21.07.2025 specified the data retention period.

Provisions Regarding Exchange Transactions

Art. 4. The service offered by bulto.io facilitates the exchange of value between fiat and cryptocurrency units. "Cryptocurrency" under these provisions refers to a decentralized virtual exchange technology, not dependent on a central bank or government authority, and valued based on user trust.

Bulto.io acts as an intermediary, allowing exchanges between Bulgarian lev (BGN) and cryptocurrencies like Bitcoin, Ethereum, Litecoin, Bitcoin Cash, USDT, and USDC, and vice versa.

The owners reserve the right to add or remove cryptocurrencies from the platform.

Art. 5. Cryptocurrency exchanges are conducted only via:

  • the automated platform at www.bulto.io

  • customer support email: support@bulto.io

Bulto.io does not use commercial agents and does not accept orders via other websites, social networks, or messaging apps. VirtuVault Technologies EOOD is not responsible for orders made outside official channels.

Art. 6. The service allows users to buy, sell, or exchange cryptocurrencies at real-time rates. A transaction is considered initiated when:

  • Buying: the amount is received and detected by the system.

  • Selling / Crypto-to-Crypto: when the user sends the required amount of cryptocurrency.

Payouts are processed once the necessary confirmations are received.

Art. 7. To purchase cryptocurrencies, users must provide a valid crypto address and choose a payment method:

  • Hot or cold wallet – by scanning a QR code

  • Bank transfer to VirtuVault Technologies EOOD’s account with a specified payment reason.

Art. 8. To sell cryptocurrency, the user must place an order on the bulto.io page, send the stated amount, and choose a preferred payout method:

  • Bank transfer to a user-specified account.

Art. 9. Due to cryptocurrency volatility, prices at the time of the order may differ from the transaction execution price.

Art. 10. VirtuVault Technologies EOOD is not liable for incorrect transactions or user data. Crypto transfers are one-way and irreversible.

Art. 11. For paid crypto purchase orders from unknown IBANs, the transaction is processed only after funds are credited. Crypto will be sent by the end of the next business day.
Rates are fixed at the time the funds are received. The company may withhold suspicious transactions for investigation.

Art. 12. Crypto is sent within 15 minutes of payment receipt, except for exceptions in Art. 11. Delays caused by third parties are not the company’s responsibility.
Crypto-to-crypto exchanges are processed within 15 minutes after sufficient confirmations.
Fiat payouts from crypto sales are processed within 1 hour after confirmations (2 for BTC, 12 for ETH, LTC, BCH, USDC, USDT).
Transfer delays may depend on banks or third parties. The company will notify users of liquidity or technical issues when possible.

Art. 13. Minimum exchange amounts are shown in the order form on the homepage.

Art. 14. Users must provide exact amounts when buying or selling. Failure to do so may result in slower processing or rate changes.

Art. 15. Orders up to 1,000 BGN do not require proof of source of funds.

Art. 16. The company processes exchange requests based on user-submitted data and is not responsible for inaccuracies or false information.

Return Policy

Art. 17.

1. If a client wishes to return purchased cryptocurrency for BGN, it is exchanged at the current sell rate upon receipt of the crypto at the specified wallet.

2. If a client wants to reverse a sale or crypto-to-crypto exchange, it is done at the current buy rate upon receipt of BGN or crypto at the specified account or wallet.

All transaction and bank fees are borne by the client.

Prohibited Uses

Art. 18. bulto.io must not be used to violate or bypass tax, financial, or anti-money laundering laws or to fund terrorism.

Art. 19. Clients are fully liable for use of false information, malicious code, or unauthorized access attempts.
VirtuVault Technologies EOOD may report such activity and cancel suspicious orders or payments.

Limitation of Liability

Art. 20. The company is not liable for technical problems caused by software, hardware, the internet, user behavior, third-party criminal activity, or extraordinary events.
It is also not responsible for actions by clients who have shared their passwords or failed to maintain adequate security.

Art. 21. The company is not responsible for the reliability or terms of third-party intermediaries mentioned in Art. 7 and 8. Clients should consult third parties for their own terms.

Reserved Rights

Art. 22. VirtuVault Technologies EOOD may post ads on bulto.io in any form and is not liable for their content unless it clearly violates the law.

Art. 23. The company may change the content, design, technology, or functionality of bulto.io at any time without notice and is not liable for any resulting damages.

Final Provisions

Art. 24. Disputes not resolved through negotiation will be governed by the laws of the Republic of Bulgaria.