Hi, thankyou for your replies. The reason i chose them was because they were recommended to me by my friends who all used them and told me they were trustworthy, they were a very popular exchange with ATMs all over SL, including somewhere they had their business premises so you could visit them inworld, maybe i was just the unlucky one here, because i didnt get a response by sending them a ticket twice, which had an automated reply that a representative would contact me very soon.both tickets just disappeared and i had a message telling me to start a new one. no one contacted me, i went to their premises inworld and of course it is too late they have packed up and gone already. although it isnt a huge amount to lose, it couldve been worse, it equaled to 3,500L$, i have still lost it, and its something i desperately needed to pay my rent with. when i paid for the L$ on the third party exchange site it said the transaction had failed, so i tried again, second time fine, money immediately credited to my exchange account. a few days later in my bank statement tells me the transaction that was supposed to have failed actually didnt it went through,so i paid twice for one amount of L$, and i didnt get anything in return so thats when i contacted them, i was too late the TOS had just come into force. the only option i have left now is my bank, i paid using my bank card i dont have a credit card, i shall tell them the situation to see if i can get my money refunded. Its sad that even exchanges that were popular and supposed to be trustworthy can do this. Even if the TOS hadnt changed i still wouldnt have purchased L$ again from a third party again, not after that experience.