By downloading information, data, and documents from the websites of SCB you agree to the following general terms and conditions. Cryptocurrency distribution services through distributors are additionally subject to the specific terms and conditions pertaining thereto.

The products and services presented on this website are authorized for sale in Switzerland. They are not intended for persons who, because of their nationality, business location, domicile, or other reasons, are subject to a legal order that prohibits foreign financial service providers from carrying on business there or that prohibits or restricts legal and natural persons subject to it from accessing the websites of foreign financial service providers.

In this respect, where SCB does not have a permit from the supervisory authority of a certain country, SCB may in principle not advertise its financial services in that country. This website may however contain information, in particular about the financial services and products offered by SCB, that may be considered by the supervisory authorities of the above-mentioned countries as a public offer of financial products or as financial canvassing intended for persons domiciled in these countries. If you are domiciled outside Switzerland, you confirm that you are visiting this website on your own initiative, without any solicitation from SCB. You also confirm that it is your full and sole responsibility to find out whether the legislation applicable to you, such as the legislation of your domicile, prohibits you from using the services offered on this website.

The website is the exclusive property of SCB. SCB proprietary rights shall not be altered in any way by any reproduction or use of the website.

The content and layout of the website are protected by copyright (all rights reserved) and other intellectual property rights, held by SCB.

Information provided on the website may only be downloaded, printed or otherwise reproduced - for personal, non-commercial purposes - provided that the copyright notes and other statutory proprietary designations are retained. You do not acquire rights by reproducing or copying in any way information available on the website; all rights are retained by SCB. You are strictly prohibited from using anywhere other than on the website and from copying in any way whatsoever software or any other tools available on the website.

Except with SCB’s prior written approval, it is forbidden:

• to set up links, e.g. in the form of hyperlinks or inline links, to this website, to frame it, or to access it through inline links or through a frame, without SCB’s prior written approval; and
• to reproduce, in whole or in part, transmit by electronic or any other means, modify or use copyright elements of this website for public or commercial purposes without SCB’s prior written approval;
• nothing in the Terms gives you a right to use the SCB name or any of the SCB trademarks, logos, domain names, other distinctive brand features, and other proprietary rights.

Information provided on the website should in no event be construed as a piece of advice or a recommendation to buy or sell a particular cryptocurrency or to engage in any transaction whatsoever; nor should the information provided be construed as advice of any other type, for example of a fiscal or legal nature. All of the investment decisions you make shall be based exclusively on your own assessment of your financial situation and your investment goals. You are solely responsible for such decisions.

Investments in cryptocurrencies featuring on the website are subject to certain risks. The price of cryptocurrencies may go down as well as up. The future performance of cryptocurrencies cannot be guaranteed by past performance. It is therefore possible that you do not get back the amount you invest. We strongly recommend that you seek professional advice before making investment decisions.

SCB, their directors, officers, employees, agents, or shareholders will not assume any liability for any loss or damages whatsoever, be they direct or indirect, incurred as a result of accessing the website or using the information and services available on the website, or as a result of the inability to access or use any information or services available on the website.

In particular, it is expressly stated that in no event will SCB, its directors, officers, employees, agents or shareholders be liable for any loss or damages incurred as a result of errors, technical or otherwise, transmission failures, system overloads, usage problems, interruptions in services (including but not limited to system maintenance services), any delay in the transmission of information, incompatibility between the website and your files and/or software (in particular your browser) and/or computer, malfunction, interference, the transmission of a virus onto your computer, unauthorized access (as a result of hacking or piracy activities, for example), the willful blocking of telecommunications tools or networks (as a result of mail-bombing, denial of services attacks, for example) or any other failure or inadequacy on the part of telecommunication or network service providers.

You acknowledge and agree that SCB services are provided on an ‘as is’ and ‘as available basis. You are aware that SCB is not managing nor responsible for the cryptocurrency-associated blockchain. Stasis (EURS), Ethereum, Algorand, Polygon and other cryptocurrencies you may access, are not under SCB management or responsibility. SCB does not endorse Stasis (EURS), Ethereum, Algorand, Polygon or any other cryptocurrency in any way whatsoever. By using SCB’s services, you acknowledge that Stasis (EURS), Ethereum, Algorand, Polygon or any other cryptocurrencies, are experimental alternative currencies that are currently under development and that their operation is not predictable.

The activation of certain links on the website may cause you to leave the SCB website. SCB does not review any of these linked websites and does not warrant or guarantee, either expressly or implicitly, the quality, pertinence, accuracy, completeness, update status, availability or legality of the content of these sites, nor shall it be in any way responsible for the products, services, information and other content offered via these linked sites. The same applies to websites offering links to SCB-broker’s website. Furthermore, prior written approval must always be obtained before a link from an external site to SCB-broker’s website can be created.

Your attention is drawn to the fact that the data exchanged between yourself and SCB is transmitted via open, public networks (such as the Internet) that are not subject to any controls or reviews. The data transferred may travel beyond Switzerland’s borders, even if both yourself and SCB are located in Switzerland. In addition, even if the data transmitted is encrypted, it may not necessarily stay encrypted for the entire duration of the transmission, nor may it necessarily remain encrypted at your end: it is possible that data may be intercepted. Furthermore, you hereby declare that you have taken note that the legislation applicable in your country may prohibit or restrict the importing, exporting or use of encryption algorithms. In no event shall SCB be responsible for any violations of measures governing the importing, exporting or use of encryption algorithms. You alone shall be responsible in the event of any such violation. Lastly, your attention is drawn to the fact that information transmitted electronically, e.g. by e-mail or SMS, is in principle not encrypted and may be intercepted.

You are obliged to keep user IDs, passwords, and other means of identification secret. To this end, you must not store your user IDs, passwords or other means of identification in your browser and you must delete all temporary files stored in your cache memory as well as your surfing history. You are solely responsible should such means of identification be communicated to, discovered or misused by a third party, and for any and all losses and damages resulting therefrom. You have taken note of the fact that you are required to disconnect from the identification services proposed by SCB before leaving your Internet station. To do this, you must close all your browser windows showing the site.

You undertake to use the website in a proper and reasonable manner, and not to misuse the website in any way or use it in such a way as might occasion, for example, the overloading of the website, any delay in the transmission of information, any interruption of service, blockage of access to the website or any other effect detrimental to SCB or to the users of its website. In particular, it is forbidden:

• to place a purchase order for less than the minimum amount indicated on SCB’s website;
• to effect e-mail-bombing or any denial-of-service attack (in particular flooding) or any similar attempt similar;
• to infect the website with any virus, worm, Trojan horse or other software, or any similar attempt;
• to gain or attempt to gain unauthorized access to the servers administering the website, or to circumvent or attempt to circumvent or to disable or attempt to disable the website’s security features (hacking);
• to update the information provided on the website using automatic updating programs, e.g. such as are provided by other websites;
• to use offline readers or similar software, in particular, such as would allow the mass downloading of data from the website onto your hard disk.

Should you undertake any of these actions, SCB reserves the right to deny you access to the website, even if you are a registered customer of SCB-broker.

Please note that SCB may record and analyze all of your actions on our websites, APIs, applications, and within other direct marketing campaigns for security, system monitoring, management, marketing and compliance with the legal and regulatory requirements to which SCB is subject. SCB will store this information under the appropriate security conditions for a limited period of time.

SCB will not pass on your personal information to third parties, except in the following special circumstances:

• In the framework of the compliance with legal and regulatory obligations to which SCB is subject by Federal Act on Combating Money Laundering and Terrorist Financing, its implementing ordinances, as well as by the Regulation of the “Verein zur Qualitätssicherung von Finanzdienstleistungen” (VQF);
• SCB’s Technical Support is external support. When you use it, personal information - such as your username, first and last names, email address, phone number, IP address and payment information - is stored by this external support;
• The authentication of your identity documents is carried out by a specialized external company. As a result, this company has access to these documents (only).
• Necessary external providers that help us properly maintain or manage our current process, product and service offerings, and user base. In cases where use of an external provider or service is necessary, we will ensure the external provider respects the same degree of vigilance as SCB regarding privacy and data protection.

Your personal and/or contact information will never be sold by SCB in any way.

Using SCB financial services requires registration to the website. The registration is free and is resulting, after acknowledgment of the current Terms and Conditions, in the creation of a User Profile.

The submission and validation by SCB of various documents, referred to in these Terms and Conditions, is required for the purchase and sale of cryptocurrencies, as well as for the conversion of cryptocurrencies. There is no pre-existing registration fee. SCB may refuse any registration without having to provide a reason, may exclude any registered user - including in cases of fraud, scams, forged securities or forged certificates - or may refuse to enter into any transaction. Banned users are not allowed to re-register on the Site. By doing so, these users may be subject to criminal prosecution.

To register on the Site, you must be a natural or legal person. You must also be able to exercise your civil rights (be at least 18 years of age and capable of discernment). Persons under the age of 18 may not register on the Site. Every User Profile is unique, personal and non-transferable. The creation and use of multiple accounts by the same person is prohibited.

You have the option to opt-in to receive non-mandatory email messages such as eNewsletters, special offers or other marketing-related messages. Those emails are sent to the email address on your account. If you no longer want to receive such email messages, you may opt-out by clicking the unsubscribe link found within the non-mandatory email messages. Please note that your opt-out and opt-in requests will be processed as soon as possible, but may take time to process for technical reasons. Opting out will prevent you from receiving non-mandatory email messages until you opt-in again. While being opted-out, you will miss the information contained in non-mandatory messages which can, among others, include information about updates, improvements, or special offers.

You can create a purchase order by entering the desired amount and the currency of the payment. Choose the preferred payment method and follow the instructions displayed.

Prices are quoted in euros or Swiss francs or any other currency available for payment and include Swiss Value Added Tax (hereafter: VAT), if applicable. Payment can be made by bank transfer or by any other means of payment available on SCB’s website. The exchange rate for cryptocurrencies is set at the time SCB receives your payment and can therefore vary significantly. We would like to point out that a bank transfer may take between one and five working days before it reaches its recipient.

The transaction costs of the cryptocurrencies which will be transmitted to you are included in the basic price.

If transaction fees have been deducted by your bank or by any other intermediary from the amount you agreed to pay, SCB will pay in cryptocurrency the equivalent of the amount it actually collected.

If transaction fees are charged to SCB for the receipt of the payment order you made, SCB will deduct these fees (including currency exchange fees) from the amount received and will pay the equivalent of the latter amount in cryptocurrency.

Purchase orders will be processed by SCB within five business days of receipt of payment provided there are no Anti-Money-Laundering issues or Know-Your-Customer obligations pending. If the payment order is not processed within the aforementioned period, you are obliged to inform SCB immediately. If you do not meet this obligation, you will not be able to make any claim for the variation in the exchange rate that may occur.

SCB holds the right to administer a fine of 100 Euro or Swiss francs to customers that deposited funds without identifying the account correctly (i.e. ABC1234.STS)

In the event of one of the Terms and Conditions being void, canceled or rendered otherwise invalid, the validity of the remaining Terms and Conditions shall not be affected or impaired.

The Terms and Conditions shall be governed by and construed in accordance with the laws of Switzerland without giving effect to the conflict of laws or legal provisions of Switzerland or your actual state or country of residence. Any dispute, controversy or claim arising out of or in relation to the general Terms and Conditions, your relationship with SCB, including any non-contractual obligations, will be exclusively subject to the jurisdiction of Neuchâtel, Switzerland.