Sales and Support

Registered address
TechBank OÜ (14440607),
Harju maakond,
Tallinn,
Kesklinna linnaosa,
Roosikrantsi tn 2-K429,
10119,

Email support@techbank.finance

Company Number: 08123460

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Legal information

Terms of Service

TechBank OÜ (14440607), (hereinafter referred as the "TechBank") as an administrator of the Website defined below) adopts these Terms of Use (hereinafter referred as the "Terms") that specifies User's (as defined below) rights and obligations and constitute a legally binding agreement for both parties. These Terms affect User rights and impose certain obligations while using the Website, so the User must read them carefully.

TechBank operating from its corporate office in Estonia operates this APP/website. TechBank is a company licenced & regulated by the Financial Intelligence UNIT (FIU) in Estonia and licensed to provide services of exchanging a virtual currency against a FIAT currency (licenses FVR000419) as well as a virtual currency wallet service (license number: FRK000341)

1.1. The following terms used in these Terms have the following meanings:

"Account" A program that securely stores personal information of the User (Offers, Transactions) related to the use of the Website. 

"Cryptocurrency" TECHBANK, Bitcoin, Litecoin and similar blockchain based digital assets. 

"Fiat currency" Euro or other government-issued currency

"Margin loan"A loan made by TechBank to the User in Cryptocurrency and/or Fiat Currency for the purposes of entering into the Transactions. 

"Offer"A declaration of intention to commit a Transaction on the specified terms made either through the Website directly or through any application-programming interface (API).

"Fees"Fees payable to TechBank for each completed Transaction."Terms" These Terms of Use as amended by TechBank with or without notice.

"TechBank"TECHBANK UK LTD, a legal entity incorporated under the laws of Estonia, registration number (14440607), legal address; Harju maakond, Tallinn, Kesklinna linnaosa, Roosikrantsi tn 2-K429, 10119 - email: support@techbank.finance

"Transaction”Sale, purchase, deposit or withdrawal of cryptocurrency and/or Fiat currency through the Website under these Terms.

"User" " An individual or a corporate representative who uses the Website, agreed to the Terms of Use and is a holder of an Account.

"Website"Collection of information, texts, graphic elements, design, pictures, photo and video and other intellectual property, as well as the software in the information system available on the Internet at a domain address

https://techbank.finance or associate websites, API interface, iframes, Mobile APPs etc. used to access the website.

1.2. These Terms of Use shall be governed by and construed in accordance with the laws of the United Kingdom, unless otherwise expressly provided.

1.3. All disputes and controversies arising out of or in connection with this website and these Terms of Use shall be submitted to the Estonian Court at the venue of the registered office.

1.4. The headings of the clauses of these Terms are for convenience only and shall not affect the meaning or interpretation of these Terms.

2.3. Users may use the Website and its services to place Offers and make Transactions upon acceptance of these terms and opening the Account.

2.1. Upon these terms of use, TechBank hereby grants the User a non-exclusive, non-transferable limited license to use the Website in strict accordance with the terms and conditions stated below. All rights not expressly granted herein are fully reserved by TechBank, its advertisers and licensors

2.2. The Website is an Internet-based platform that can be used for the purposes of obtaining information about the transactions and entering into them

2.4. The Website has not been designed for and cannot be used by individuals and/or corporate and non-corporate entities that are regulated by the laws of the countries where transactions with crypto currencies are restricted. The User is solely responsible for understanding and complying with any and all laws, rules and regulations of his/her specific jurisdiction that may be applicable to the User in connection with the use of all services, products and content of the Website. TechBank, as well as any other person, authorized by TechBank to administer the Website, could not be held liable for any legal risks and disputes arising in the jurisdiction of User's residency.

2.5. The Website has not been designed for and cannot be used by residents of the United States. If a person/legal entity is a citizen or a resident of the United States, he/she shall stop using the Website immediately. TechBank as well as any other person, authorized by TechBank to administer the Website, under no circumstances can held liable under any laws, including but not limited to the regulations contained in the 16 U.S. Code Chapter 4 (FATCA), in case a citizen or a resident of the United States of America violates this clause 2.5.

2.6. The Website is designed for legally capable Users under personal laws. If a User is not legally capable, he or shall immediately stop using the Website.

Account Verification

3.1.1. Full name;

3.1.2. Date and place of birth;

3.1.3. Passport (or other document) number and country of issuance;

3.1.4. Residential address;

3.1.5. Telephone number.

3.1.6. Power of attorney or other proof of corporate representative status.

3.2. The User shall not:

3.2.1. Select the email address already used by another person;

3.2.2. Use the email address in which another person has rights without such person's authorization;

3.2.3. Use invalid e-mail address.

Any obligation in the Contract on a person not to do something includes, without limitation, an obligation not to agree, allow, permit or acquiesce in that thing being done.

References to conditions, schedules and appendices are to the conditions, schedules and appendices of the Contract.

3.3. TechBank reserves the right to deny creation of an Account based on TechBank's inability to verify the authenticity of the registration information or request additional information and/or documents from the User. In case the User provides counterfeit documents and false personal information, such behaviour will be interpreted as a fraudulent activity

3.4. The User ensures the confidentiality of its the email address and password, and do not allow using this information without its consent. Any person that has used this information to log-in the Website is considered to be acting as the agent of the User unless the User has informed TechBank of suspected unauthorized use of its mail address and password. The User is responsible for maintaining adequate security and control of any and all IP, passwords, personal identification numbers, or any other codes that it uses to access the TechBank services

Transaction Rules

4.1. The User acknowledges and agrees that when completing Transactions, he or she is trading with other Users and that TechBank acts only as an intermediary in such Transactions, not as counterparty to any trade, and under no circumstances can be considered as a party to the Transactions.

1.2 A Contract for the supply and purchase of the Services on and subject to these conditions will be established at such time as Techbank commences provision of all or any part of the Services, whichever is the earlier. The Merchant's standard terms and conditions (if any) attached to, enclosed with or referred to in any purchase order or other Document shall not govern the Contract.

1.3 Quotations are given by Techbank on the basis that no Contract shall come into existence except in accordance with condition 2.2. Any quotation can be withdrawn or amended by Techbank at any time prior to a Contract being formed.

2. COMMENCEMENT AND DURATION

2.1 The Services supplied under the Contract shall be provided by Techbank to the Merchant from the Commencement Date or as otherwise agreed in writing by Techbank.

2.2 Subject to condition 10, the Services supplied under the Contract shall continue to be supplied for periods of one calendar month unless the Contract is terminated by one of the Parties giving to the other not less than one month's written notice.

3. Techbank'S RIGHTS AND OBLIGATIONS

3.1 Techbank shall use reasonable endeavours to provide the Services to the Merchant, in accordance in all material respects with these conditions and any Special Conditions.

3.2 Techbank shall be entitled to suspend the Services (or any part thereof) at any time with immediate effect:

4.2. TechBank allows Users to submit offers to purchase/sell Crypto currencies for Fiat currency and vice versa. The price for which Users offer to buy or sell the Crypto currencies is at their own discretion.

4.3. The User makes Offers through the Account. The Transactions are made automatically or manually between users when the matching Orders have placed through Accounts of Users.

4.4. A Transaction can be accomplished only if the Accounts involved in such a Transaction are credited with sufficient amount of Cryptocurrency and/or Fiat currency for the purposes of this Transaction (balance sufficiency) The balance sufficiency is defined automatically after charging all relevant fees and charges under the Tariff plan. I User is engaged in margin trading as per the clause 6 of these Terms, a Transaction can be accomplished even if there is no balance sufficiency of the Accounts involved in such a Transaction.

4.5. Offers can be processed either in full or in part. Offers may be aggregated when it is unlikely that such an aggregation would cause any damages for the Users.

4.6. The User is entitled to cancel his/her Offer at any time before such Offer has been processed for the purpose accomplishing a Transaction.

4.7. Once the Transaction has been processed, the Accounts involved in it shall be credited with the Cryptocurrency and/or Fiat currency according to the terms and conditions of the Transaction

4.8. The User is entitled to deposit and withdraw Cryptocurrency and/or Fiat currency from his/her Account using any available means of transfer (bank transfer, credit cards, electronic wallets etc.). TechBank may introduce restrictions as to the frequency or amount of such deposits and withdrawals. Cryptocurrency and/or Fiat currency held on the Accounts are property of Users that opened these Accounts.

4.9. TechBank has the right to decline User's Transactions and/or suspend User's Account and block all Cryptocurrency, Fiat currency and commodity sums contained therein, in case of non-fulfilment or unduly fulfilment of the Terms of Use by the User.

4.10 The balance credited or in pending of the Crypto back or affiliate rewards platform belong the TechBank unless a withdrawal request as per the terms is made by the user and approved by TechBank

Margin Trading

5.1. Margin trading means entering into the Transactions with amount of Cryptocurrency and/or Fiat currency provided by TechBank to the User (Margin loan). TechBank has an absolute discretion with regards to providing a Margin loan to the User, as well as establishing minimum or maximum amount of Cryptocurrency and/ Fiat currency provided under the Margin loan and changing it at any time regardless of the amount of a collateral delivered by the User to TechBank.

5.2. Transactions with Cryptocurrency and/or Fiat currency provided under Margin loans are subject to collateral delivered by the User to TechBank. User shall at all times maintain sufficient collateral at his/her Account. TechBank is entitled to modify requirements with regards to collateral at any time, in its sole and absolute discretion.

5.3. In the event the value of the collateral falls below the 50% (fifty percentage) of the value of Cryptocurrency and/or Fiat currency provided to the User under the Margin Loan, TechBank is entitled to demand for additional collateral (margin call).

5.4. In the event the value of the collateral falls below the 25% (Twenty five percentage) of the value of Cryptocurrency and/ Fiat currency provided to the User under the Margin loan, TechBank is entitled to process Transactions with a Cryptocurrency and/or Fiat currency held on this User's Account at a current market price notwithstanding the terms of the Offers placed by his User (force liquidation).

5.5. Cryptocurrency and/or Fiat currency provided under the Margin loans shall be kept in the Account separately and cannot be withdrawn by the User.

5.6. In the event the Margin loans are used by User, Cryptocurrency and/or Fiat currency cannot be withdraw in any amount. User shall repay the Margin loans for the withdrawal of Cryptocurrency and/or Fiat currency.

Fees

6.1. The User agrees to pay TechBank the Fees for each completed Transaction under the Tariff Plan.

6.2. TechBank reserves the right to change Fees from time to time by publishing updates of the Tariff Plan.

6.3. Fees shall be paid before processing any Transaction or any withdrawal from the Account.

6.4. All fees owed by the User to the third parties (including the financial institutions) are not covered by this Term

User's Obligations

Security

7.1. A User agrees to use the Website and its services and the Account according to the laws of the United Kingdom and these Terms

User shall not be allowed to:

7.1.1. Perform illegal activities, including but not limited to fraud, money laundering and financing terrorism;

7.1.2. Introduce or broadcast through the Internet, distribute any data programs (viruses, harmful software etc.) that potentially threat TechBank systems, its providers, third parties and/or Users of an internal network or this Website;

7.1.3. Reproduce, duplicate, copy, sell, resell or explore for commercial purposes partial or complete contents;

7.1.4. Use any programs, robots or other automated means in order to collect and/or record the information from the Website, except for special means provided by TechBank for these purposes.

7.2. TechBank reserves the right (at its sole discretion) to decline User's Transactions and/or suspend the Account (or certain functionalities thereof such as depositing, receiving, sending and/or withdrawing Cryptocurrency or Fiat currency) at any time where it is required to do so under relevant and applicable laws and regulations or having grounds to believe that the User uses the Account for illegal purposes. TechBank will make reasonable efforts to inform the User of any such suspension unless TechBank is prohibited from doing so by law or under an order from a competent court or authority.

Copyright and Intellectual Property Right Ownership

8.1. The Website in its entirety, its domain name, its contents and any information on it are protected under the relevant copyright, trademark and other intellectual property laws.

8.2. The Users may not use any name, logo, image, trademark or any other intellectual property object used on the Website without prior written consent of TechBank.

8.3. The access to the Website under no circumstances shall be construed as the acquisition by a User of ownership, title, right or interest of any kind in or to the Website, its contents and any information on it.

Taxes

9.1. It is the User's responsibility to determine which, if any, taxes apply to the payments received, and to report a remit the correct tax to the appropriate tax authority. TechBank is not obligated to determine whether taxes apply, and is not responsible to collect, report, or remit any taxes arising from any transactions between its Users

Disclaimer

10.1. No information on the Website is intended to provide Users with investment, tax, accounting or legal advice be interpreted as a recommendation or endorsement with regards to any Cryptocurrency. Any decision to buy or Cryptocurrency is the User's decision and TechBank will not be liable for any loss suffered.

10.2. A User understands and accepts the fact that trading with Cryptocurrency offered via the Website involves significant risks. TechBank recommends the Users to ask for a professional financial and/or legal advice before trading via the Website.

10.3. Everything on the Website shall be regarded "as is" without any express or implied representations or warranties of non-infringement, merchantability of the Website and its fitness for a particular purpose.

10.4. If TechBank is forced to remove or suspend services provided to Users, the User will receive a notification to withdraw Cryptocurrency and/or Fiat currency from the Account (except for Margin loans). User shall repay the Margin loans for the withdrawal of Cryptocurrency and/or Fiat currency.

10.5. The Website reflects the state of the Cryptocurrency exchange market however TechBank cannot and therefore does not guarantee the adequacy, timeliness, accuracy or completeness of any information on the Website.

10.6. TechBank shall not be liable for any losses or damages incurred as a result of any interruption, errors, or lack of security in the operation of the Website. TechBank undertakes to take the necessary measures to maintain the level of information security of the Website and prevent the potential threats.

10.7. THIS WEBSITE AND ALL INFORMATION, PRODUCTS AND SERVICES PROVIDED THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS, WARRANTIES, PROMISES OR GUARANTEES WHATSOEVER OF ANY KIND INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS, WARRANTIES, PROMISES OR GUARANTEES REGARDING THE ACCURACY, CURRENCY, COMPLETENESS, ADEQUACY, AVAILABILITY, SUITABILITY OR OPERATION OF THIS WEBSITE, ANY PRODUCTS OR SERVICES WE MAY PROVIDE THROUGH IT OR THE INFORMATION OR MATERIAL IT CONTAINS.

EACH OF THE PARTIES TO THIS AGREEMENT DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH REGARD TO THE FOREGOING, INCLUDING, WITHOUT LIMITATION: (A) ANY WARRANTY WITH RESPECT TO THE CONTENT, INFORMATION, DATA, SERVICES, AVAILABILITY, UNINTERRUPTED ACCESS, OR SERVICES OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THIS WEBSITE; (B) ANY WARRANTIES THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS; (C) ANY WARRANTIES THAT THIS WEBSITE, ITS CONTENT AND ANY SERVICES OR PRODUCTS PROVIDED THROUGH IT ARE ERROR-

FREE OR THAT DEFECTS IN THIS WEBSITE, ITS CONTENT OR SUCH SERVICES OR PRODUCTS WILL BE CORRECTED; (D) ANY WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (E) ANY WARRANTIES THAT THIS WEBSITE WILL BE COMPATIBLE WITH YOUR COMPUTER OR OTHER ELECTRONIC EQUIPMENT; AND (F) ANY WARRANTIES OF NON-INFRINGEMENT. THE MATERIALS AND RELATED GRAPHICS PUBLISHED ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION CONTAINED ON THIS WEBSITE. TECHBANK MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEBSITE, ITS PRODUCTS, SERVICES AND/OR THE MATERIALS DESCRIBED ON THIS WEBSITE AT ANY TIME.

In addition, to the maximum extent permitted by law, none of the Parties to this agreement shall be responsible or liable for:

(a) any loss, liability, cost, expense or damage suffered or incurred arising out of or in connection with any access to or use of this Website or any of its content;

(b) any reliance on, or decision made on the basis of, information or material shown on or omitted from this Website;

(c) any representation or otherwise in respect of the existence or availability of any job, vacancy, assignment or other engagement or appointment advertised on this Website (if any) and any representation or otherwise that TechBank have or will ask for a candidate’s information, will or have asked to interview or hire a candidate, or that any candidates will meet our needs;

(d) any matter affecting this Website or any of its content caused by circumstances beyond our reasonable control; (e) the performance of this Website and any fault, delays, interruptions or lack of availability of this Website and any of the services or products provided through this Website, which may occur due to increased usage of this Website, intermittent failures of this Website or the need for repairs, maintenance or the introduction of new facilities, products or services; and (f) any information or material on any website operated by a third party which may be accessed from this Website.

Liability

11.1. TechBank shall not be responsible or liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other losses or damages (including, but not limited to, damages for loss of profits, loss of business, use, data or other intangible damages), under any contract, tort (including, without limitation, negligence and strict liability) or other legal theory, howsoever caused, arising out of or relating in any way to the Website its contents or any information on the Website, or any errors or omissions therein.

11.2. TechBank shall not be liable for: (a) hardware, software or internet connection is not functioning properly (b) any suspension or refusal to accept payments which TechBank reasonably believes to be made fraudulent or without proper authorization (c) unforeseen circumstances preventing the proper performance despite any reasonable precautions taken by TechBank (power outages, fire, flood, theft, equipment breakdowns, hacking attacks, internal mechanical or systems failures as well as downtimes of the Website).

Risk Disclosure.

12.1. The User understands and accepts the fact that trading with Cryptocurrency offered via the Website involves significant risks. You acknowledge and agree that you shall access and use the Services at your own risk. The risk of loss in trading Cryptocurrency can be substantial. Thus, TECHBANK suggests that Users carefully consider whether such Transactions are suitable for you in light of your circumstances and financial resources

12.2. The User should be aware that you may sustain a total loss of the Funds in your Account and, in some cases; you may incur losses beyond such Funds. Additionally, under certain conditions, you may find it difficult or impossible to liquidate a position. These brief statements cannot disclose all risks and aspects associated with these transactions; therefore TECHBANK recommends that Users seek professional financial and/or legal advice before trading via the Website.

12.3. Additionally, the User acknowledges that there are risks associated with utilizing an Internet-based trading system including, but not limited to, the failure of hardware, software, and Internet connections. You acknowledge that TECHBANK shall not be responsible for any communication failures, disruptions, errors, distortions, or delays you may experience when trading via the Services, howsoever caused.

Links to Other Websites

13.1. The Website may contain links to third-party Internet websites, resources, advertisers, services, special offer or other events or activities that are not owned or administered by TechBank. TechBank is not responsible for the contents of such third-party websites, materials, information or services. The access and use of such websites, materials, information or services are at User's own risk.

Changes, Duration and Termination

14.1. These Terms are subject to changes, amendments and modifications. By continuing to use the Website a User is considered to be bound by the amended version of these Terms. In the event of change of these Terms, User may or may not receive a notification to the email address. If any changes to these Terms are not acceptable to a User, the User' only remedy is to cancel his/her account and stop using the Website.

14.2. The services and the information included in the Website have an indefinite duration. TechBank may terminate or suspend the service or the information, posted in the Website totally or partially.

14.3. If TechBank is forced to remove or suspend services provided to Users, the User will receive a notification to withdraw Cryptocurrency and/or Fiat currency from the Account (except for Margin loans). User shall repay the Margin loans for the withdrawal of Cryptocurrency and/or Fiat currency.

Terms & Conditions for our Cashback (‘Cryptoback’) Account

15.1This page outlines the terms and conditions of using our service. It clarifies our obligations to you and your obligations as our cryptoback member (cashback consumer). By using our website you agree to the following terms and conditions.

15.2 Copyright: All the images, content, database and code are copyright protected materials owned by TechBank. All other designated trademarks, copyrights and brands are the property of their respective owners. You are not allowed to copy, download or distribute in any manner without written permission from us.

15.3. Spam: You are not allowed to advertise our services by inappropriate means like spamming forums or other websites. If you genuinely want to promote us, please get in touch with us.

15.4. Our cryptoback account is completely free to use and is funded by our retail partners through sponsored advertising. This will include in-store and an additional online cryptoback options.

Your free membership with TechBank

16.1. Only one membership per person is allowed.

16.2. The referral bonus you receive for referring someone is paid to you not from any joining fees but from the commission TechBank receive while they shop using TECHBANK cryptoback platform and will be credited to your pending account in e-wallet. You will receive it into your approved e-wallet only when the person you have referred become active by using shop and mine enough cash back through shopping and make their first withdrawal from the e-wallet.

16.3. The TechBank can set/change the minimum withdrawal limit from time to time without notifying you.

16.4. The approve cash back from e-wallet can only be withdrawn when the withdrawal limit set from time to time by the company.

16.5. TechBank reserve the right to amend, impose conditions upon or cancel your membership if TechBank suspect any breach of terms or fraudulent activities or spam.

16.6. You agree not to apply for services or products, which you do not intend to use, just for obtaining the cryptoback reward.

16.7. You need to be logged in to our site, click on our links before you visit the retailer and complete the purchase wholly online for your cryptoback to track.

16.7. No one, except you should use your account for purchases.

16.8. You are responsible for keeping your profile and contact details up to date. If you lose payments or cheques due to inaccurate details provided by you, TechBank may charge you a fee (of not more than $5) to reissue payment.

16.9.TechBank will terminate inactive accounts of members who have not used it for more than 12 months.

16.10. When you join our website and use our links to make an online purchase, TechBank get a commission from the merchant for referring the sale. A proportion of this is paid as cryptoback to you, our cryptoback member.

16.11. The amount of cryptoback you are expected to be paid is clearly displayed in the relevant merchant description. Please read our knowledge base to know more about the process.

16.12.If for any reason (like you return the product, purchased on the phone etc) they refuse to pay, TechBank can not pay you the cryptoback.

16.13. Most transactions are tracked with no problems. Occasionally, if there are problems with tracking, TechBank do everything TechBank can to assist you. Your purchases are tracked electronically by merchants or via third party networks, who report back to us.

16.14. While TechBank make little delay from our end and take utmost care in reporting, TechBank will not be responsible if there are errors in their tracking or reporting

16.15. TechBank reserve the right to adjust your cryptoback account in certain circumstances, including inaccuracies in reporting, non-payment by merchants or goods returned.

16.16. Whilst TechBank make all reasonable efforts to advertise the correct cryptoback amounts, if there are any errors in advertising, TechBank can only pay you up to a maximum of 75% of what TechBank get paid by the merchant on these occasions.

“CryptoBack” Payments

17.1. TechBank send out payments every month. You can choose the payment method from the options available in your profile.

17.2. Newsletters: TechBank do not send you a lot of emails, but it is a condition of your membership with us that you have a valid email address where TechBank can communicate to and send occasional newsletters.

Your online purchases

18.1. Please note that TechBank advertise the merchant's offers on our websites by displaying their links and products. TechBank do not sell any of these products or services advertise through the merchant's offers ourselves . When you shop from a particular retailer, you pay them directly and they are responsible for the product/service you buy, after sales service, warranties etc.

18.2. Whilst TechBank do take a lot of care in choosing our merchant partners, TechBank will not be responsible for any difficulties you have with the retailer or the product. TechBank provide no warranty or guarantee with regards to the purchases you make from our participating retailers.

18.3. Modifications to our terms and policies: TechBank reserve the right to modify our terms, conditions and policies and this agreement at our sole discretion. TechBank will do this so by amending the terms on our website www.techbank.finance

CryptoBack disclaimers and Limitation of liability

18.4 Financial products: With regards to financial products like mortgages, credit cards, loans etc, TechBank do not make any recommendations on suitability. TechBank only advertise the products based on the information provided by the merchants and their websites. Please do not decide to apply for a particular product just because a cryptoback incentive was advertised. TechBank are neither qualified, nor intend to give financial advice. TechBank recommend that you do your own research and seek specialist financial advice before you decide on a product.

18.5. Our website and service are provided on "as is" and "as available" basis without any warranty of any kind on availability, functionality, fitness for a purpose, security or accuracy of information.

18.6. TECHBANK cryptoback will not be liable for any indirect, incidental or consequential loss or damage of any kind arising out of use of our website or inability to participate in our cryptoback program.

Indemnity

19.1. You agree to indemnify TECHBANKcryptoback.com, its employees and agents harmless from and against all liabilities, damages, losses, legal fees in relation to any claims or actions brought against us arising out YOUR breach of these terms and conditions or that of our participating retailers.

General

20.1 These terms control the relationship between you and us. They do not create any third-party beneficiary rights.

20.2 If you do not comply with these terms, and we don’t take action right away, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future). If it turns out that a particular term is not enforceable, the term will be modified such that it is enforceable and this will not affect any other terms contained herein.

Dispute Resolution

21.1. If a dispute, disagreement or claim arises out of the Terms or related to its execution, termination or rescission of the Terms both parties agree to try in good faith to settle any dispute, disagreement or claim through negotiation If the claiming party is TechBank, it sends a message with its claim to User. The message in question shall contain the essentials of the claim and proofs supporting the claim.

21.2. The party which has received the claim shall reply to the claiming party within 5 (five) working days upon the receipt of the claim.

21.3. In absence of reply to the claim within 10 (ten) working days since the sending date, or if the Parties have failed to resolve the dispute, the claim shall be lodged with the Estonian Court.

Privacy policy

Protecting your personal details on our website.

Last updated: 01 March 2019

TechBank OÜ (14440607), (hereinafter referred as the "TechBank") as an administrator of the Website defined below) adopts these Terms of Use (hereinafter referred as the "Terms") that specifies User's (as defined below) rights and obligations and constitute a legally binding agreement for both parties. These Terms affect User rights and impose certain obligations while using the Website, so the User must read them carefully.

TechBank operating from its corporate office in Estonia operates this APP/website. TechBank is a company licenced & regulated by the Financial Intelligence UNIT (FIU) in Estonia and licensed to provide services of exchanging a virtual currency against a FIAT currency (licenses FVR000419) as well as a virtual currency wallet service (license number: FRK000341)

By accepting our Website Terms or by visiting ww.techbank.finance or Techbank APPs ('the Website') you are accepting and consenting to the practices described in this Privacy Policy.

The Website is brought to you by TECHBANK. TECHBANK believes it is important to protect your Personal Data (as defined in the Data Protection Act 1998) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms.

When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products (as applicable). You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at info@techbank.finance. Your privacy rights include access, correction, erasure, restriction, objection, and data portability.

Some of the Personal Data we hold about you may be 'sensitive personal data' within the meaning of the Data Protection Act 1998, for example, information about your health or ethnic origin.

1 Collecting Information

We may collect Personal Data about you from a number of sources, including the following:

1. From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details.

2. From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how you use our services.

3. From documents that are available to the public, such as the electoral register.

2 Using Your Personal Information

1. Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:

1. To help us to identify you when you contact us.

2. To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the Personal Data you

have provided and/or any information we hold about you and Personal Data from third party agencies (including credit reference agencies).

1. To help us to administer and to contact you about improved administration of any accounts, services and products we have provided before, do provide now or will or may provide in the future.

3. To allow us to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information.

4. To help to prevent and detect fraud or loss.

5. To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.

6. To keep you up to date with our member benefit scheme under which, as part of your membership benefits, we will give you membership information and details of discounts and offers we negotiate from time to time on behalf of our members. If you do not wish to receive this benefit, please write to our Data Protection Manager at the address given in clause 7.1 below.

7. We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.

8. We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.

2. We will not disclose your Personal Data to any third party except in accordance with this Privacy Policy.

3. We may allow other people and organisations to use Personal Data we hold about you in the following circumstances:

1. If we, or substantially all of our assets, are acquired or are in the process of being acquired by a third party, in which case Personal Data held by us, about our customers, will be one of the transferred assets.

2. If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.

3. We employ companies and individuals to perform functions on our behalf and we may disclose your Personal Data to these parties for the purposes set out in clause 2.1 or, for example, for fulfilling orders, delivering packages, sending postal mail and email, removing repetitive information from customer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit and debit card payments and providing customer service. Those parties are bound by strict contractual provisions with us and only have access to Personal Data needed to perform their functions, and may not use it for other purposes. Further, they must process the Personal Data in accordance with this Privacy Policy and as permitted by the Data Protection Act 1998. From time to time, these other people and organisations to whom we may pass your Personal Data may be outside the European Economic Area. We will take all steps reasonably necessary to ensure that your Personal Data is treated securely and in accordance with this Privacy Policy and the Data Protection Act 1998.

4. Where you give us Personal Data on behalf of someone else, you confirm that you have provided them with the information set out in this Privacy Policy and that they have not objected to such use of their Personal Data.

5. In connection with any transaction which we enter into with you:

1. We, and other companies in our group, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments.

2. If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.

3. If you need details of those credit agencies and fraud prevention agencies from which we obtain and with which we record information about you, please write to our Data Protection Manager at .

3. Protecting Information

1. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

2. We reveal only the last five digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.

3. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.

4. It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer.

13.5 The Merchant shall give due consideration to Techbank's proposal under condition 13.3(b) and shall within 5 Business Days after receipt of the proposal either give Techbank a written notice accepting the proposal (subject to or without further negotiation) or rejecting the proposal, in which case the Parties shall as soon as reasonably practicable execute a variation to or termination of this Contract in accordance with condition 13.2 and Techbank shall implement the agreed variation or termination.

4. The internet

1. If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.

2. Please remember that communications over the internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered - this is the nature of the internet. We cannot accept responsibility for any unauthorised access or loss of Personal Data that is beyond our control.

5. Cookies

When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called 'cookies'

- Letting you navigate between pages efficiently

- Enabling a service to recognise your computer so you don't have to give the same information during one task

- Recognising that you have already given a username and password so you don't need to enter it for every web page requested

- Measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure they are fast

See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies

Visit www.google.co.uk/goodtoknow/data-on-the-web/cookies for a video about cookies.

Users typically have the opportunity to set their browser to accept all or some cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these options, of course, means that personalised services cannot be provided and the user may not be able to take full advantage of all of a website's features. Refer to your browser's Help section for specific guidance on how it allows you to manage cookies and how you may delete cookies you wish to remove from your computer

Multiple cookies may be found in a single file depending on which browser you use.

Category 4: targeting cookies or advertising cookies

These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.

The list below shows the cookies that we use, other than those that are strictly necessary to this service. If you have any queries about these, or would like more information, please contact our Data Protection Manager at Harju maakond, Tallinn, Kesklinna linnaosa, Roosikrantsi tn 2-K429, 10119, Estonia, or email us at info@techbank.finance.

Session Cookies

These cookies will expire once your web browser is closed. These cookies are used for various reasons such as remembering what items have been added to a shopping basket.

Persistent Cookies

These cookies are still stored on your computer after you have closed your web browser which allows your preferences on websites to be remembered. These cookies are used for a variety of purposes, for example, remembering your preferences on a website (your language choice or your user name on a particular website).

Third Party Cookies

We use a third party, who researches the use of our website and activities on it on our behalf. In order for them to do this they will store cookies on your computer that does not contain any personal information for others to read and understand. These third party cookies are grouped as 'Analytics & Optimisation' that is outlined below.

Analytics & Optimisation

Web analytics platform and a multi-variant testing platform to monitor and optimise this website, both of which utilise Cookies to capture anonymous data about a user's journey and aggregate this data up to analyse trends. These Cookies last longer than the user's session so that we can understand whether this is a user's first time, or a returning visitor. The website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics also uses cookies so that can analyse how users use the website. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you will be unable to collect Points on online purchases if you do. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

By using this website, you agree that we can place these types of cookies on your device.

6. Links

1. The Website may include third-party advertising and links to other websites. We do not provide any personally identifiable customer Personal Data to these advertisers or third-party websites.

2. These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or 'serve') the advertisements that appear on the Website directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalise advertising content. We do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices. In addition, the Network Advertising Initiative offers useful information about internet advertising companies (also called 'ad networks' or 'network advertisers'), including information about how to opt-out of their information collection.

3. We exclude all liability for loss that you may incur when using these third party websites.

7. Further Information

1. If you would like any more information or you have any comments about our Privacy Policy, please either write to us at Data Protection Manager, , Harju maakond, Tallinn, Kesklinna linnaosa, Roosikrantsi tn 2-K429, 10119, Estonia, or email us at info@techbank.finance.

2. We may amend this Privacy Policy from time to time without notice to you, in which case, we will publish the amended version on the Website. You confirm that we shall not be liable to you or any third party for any change to this Privacy Policy from time to time. It is your responsibility to check regularly to determine whether this Privacy Policy has changed.

3. You can ask us for a copy of this Privacy Policy and of any amended Privacy Policy by writing to the above address or by emailing us at info@techbank.finance. This Privacy Policy applies to Personal Data we hold about individuals. It does not apply to information we hold about companies and other organisations.

4. If you would like access to the Personal Data that we hold about you, you can do this by emailing us at info@techbank.finance or writing to us at the address noted above. There may be a nominal charge of £10 to cover administrative costs.

5. We aim to keep the Personal Data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate Personal Data about you, we will delete it or correct it promptly. Please email us at info@techbank.finance or write to us at the address above to update your Personal Data.

Techbank Limited
Birches Corner
Heron Gate
Taunton
Somerset
TA1 2LP
email: support@techbank.finance

Main Merchant contact details within the MMS, at the time of Notice issuance.

20.2 Any notice shall be deemed to have been duly received if delivered personally to a Techbank staff member at the address above but not if simply left to be found; or, if sent by "signed-for" post, at 9.00 am on the second Business Day after posting; or, if delivered by commercial courier, on the date and at the time that the courier's delivery receipt is signed.

20.3 A notice required to be given under the Contract shall be validly served if sent by e-mail only if the sender has received a manual reply to that email notice from the intended recipient and it is the sender's responsibility to ascertain that such email notice has been properly received.

20.4 This condition 20 shall not apply to the service of any documents in any proceedings or other documents in any legal action.

21. GOVERNING LAW AND JURISDICTION

21.1 The Contract and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the law of England and Wales.

21.2 The Parties irrevocably agree that the Courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with the Contract or its subject matter or formation (including non-contractual disputes or claims).


Techbank Safety & Security
As soon as a Customer enters into the application process, all information transferred between the Customer and Techbank is encrypted using SSL encryption. Even if this data were to be intercepted over the Internet, it would be useless due to the encryption. When entering a secure area on the Techbank site, the Internet browser will show a picture of a small padlock, normally appearing at the bottom of the screen or just to the right of the address bar. To check whether the page is secure, simply right click on the page and select 'properties' or 'view frame info' from the list.

Also, a secure web page can be identified from the web site address. Where a standard page will begin with 'http://', a secure web page will begin with 'https://', denoting that the page is using a secure server for the transmission of data. All credit card details entered on the Techbank site are encrypted using Techbank's 128bit SSL (Secure Sockets Layer) Software. When a secure connection is established, the downloaded web site sends a digital certificate to the Customer's web browser. When the certificate arrives, it will contain a public key, which functions as a one-way encryption device. The browser then uses this key to scramble any personal data (i.e. Credit Card Information) before sending it over the Internet. Information encrypted with the public key cannot be decrypted without the corresponding private key, held only by Techbank. Therefore, without this exclusively held private key, no personal information can be read.

Techbank Privacy Policy and Information Confidentiality
Techbank is committed to retaining Customer confidentiality and trust. Accordingly, Techbank maintains a strict privacy policy to protect all personal information provided online.

It is Techbank policy that all personal information including, but not limited to, names, postal address(es), e-mail address(es) and telephone number(s), is kept private and confidential. All personal information provided is stored in a secure location, accessible only by designated Techbank staff. It is used only for the purposes for which the information is provided (such as to reply to requests or to handle Customer queries). Also, if indicated on our site that the Customer would like to receive information about other products and services, such as publications or membership, their personal information will be added to the appropriate Techbank mailing lists. If, at any time, a Customer changes their mind and would like to add or remove their name from any of Techbank's mailing lists or correct their personal information, they need simply to send a secure message to Techbank via the Merchant Management System.

Personal information will not be released to third parties except to further the purpose for which the information is provided. This may include release where required by law or where pertinent to judicial or governmental investigations or proceedings. There are no other circumstances under which we will provide or sell personal information to third parties.

Techbank Disclaimer
Techbank does not guarantee that Customer applications will be successful, nor is Techbank responsible or liable for any external costs or fees incurred by the Customer as part of their application process. Techbank is also not responsible for Merchant integrations and encourages all Merchants to use the latest integration guidelines available. Techbank is not responsible or liable for any third party technical integrations.

Techbank Setup Timescales
From the point when Techbank has received all the necessary details (i.e. completion of the fields in the 'view/update account details' section of the Merchant Management System) your account will typically take 24-72 hours to be connected and activated. Techbank make no guarantee that connection and activation will not take more than 72 hours and will not accept liability for any damages or costs associated with a delay in setting up an account.

Techbank Response Time
Techbank will endeavour to respond to Customer queries within one working day of submission. Techbank does not accept responsibility or liability for any delay in responding to queries submitted that cannot be dealt with internally by Techbank and that require input or information from third parties.

Techbank Cancellation and Refunds
Upon account connection with Techbank, all Customers agree to a minimum 12 month initial contract. After this period, Techbank require 30 days notice in writing - an email to Techbank Support is acceptable - for cancellation of the account. Once notification of cancellation has been received, Techbank will contact the Customer, either by email or telephone, to notify them of any outstanding amounts requiring payment for settlement. It is the responsibility of all Customers to be aware of their Techbank Subscription renewal date and Techbank does not provide refunds for yearly Service Subscription fees paid in advance.

Techbank Price Guarantee
Techbank will beat on price any transaction authorisation tariff that is notified to us via email to support@techbank.finance. The original tariff must be presented within an existing original statement or within a formal offer document from another service provider. A scanned document will suffice, although the original may be requested. The tariff must be for an exact 'like-for-like' Payment Gateway service and may not include any additional services. Techbank has a number of reseller partners and this Price Guarantee is not valid when comparing against other Techbank reseller partners. This price guarantee remains valid until 31st December 2016 and will discontinue from 1 January 2017 until further notice.

Techbank Customer Agreement
Upon activation of their Techbank account, all Techbank Customers are bound by the Techbank Payment Gateway Customer Agreement.

Techbank Customer Authority
By submitting an online application form to Techbank, we accept the Techbank Terms and Conditions as set out above. We have notified our accounts department of Techbank and the service they will be providing to us.