swissHUB – the Hybrid Universal Banking solution that connects your banking and cryptocurrency assets all on one platform
swissHUB is an innovative solution for businesses and individuals that allows you to manage your funds in one easy-to-use interface. A swissHUB account equips you with access to various financial services – bringing the worlds of digital and fiat currency together for a seamless experience.
Apply from anywhere at any time, in just a few clicks – mobile-friendly registration.
All of your support inquiries will be addressed by our team within 24 hours.
Undergo a straightforward verification process and gain access to a selection of services.
Select multiple bank accounts from numerous reputable EU banks or EMIs.
Securely send, receive, deposit, withdraw, and exchange money in minutes.
WE PROVIDE A FAST AND INTUITIVE ACCOUNT OPENING PROCESS.
WE ARE HERE TO MAKE BANKING BETTER.
Apply in minutes
The online application takes just a few minutes to fill out, and you’ll receive an approval within hours.
Choose your plan
Select the account plan that meets your needs.
Get started
Open multiple bank accounts, use your free crypto wallet, request your credit card, quickly top-up funds in your account and more.
WE PROVIDE A FAST AND INTUITIVE ACCOUNT OPENING PROCESS.
WE ARE HERE TO MAKE BANKING BETTER.
Apply in minutes
The online application takes just a few minutes to fill out, and you’ll receive an approval within hours.
Choose your plan
Select the account plan that meets your needs.
Get started
Open multiple bank accounts, use your free crypto wallet, request your credit card, quickly top-up funds in your account and more.
Crypto
Cards
bank accounts
FX conversion
Business Accounts
the digital wallet that does it all
We provide a modern multi-wallet ecosystem for both fiat and cryptocurrencies, offering the opportunity for people and businesses worldwide to store, access, and use their funds freely.
Our platform has been authorized and developed in Switzerland – holding our dedicated team to the highest standards by treating every request with quality and speed.
About the platform
The swissHUB platform offers access to multiple bank accounts and financial institutions in one user-friendly customer cockpit.
You can personalize your dashboard by changing the order of your products and hiding unused functions as required to have a clear overview of all the relevant information you need.
swissHUB aims to provide first-class financial services to clients worldwide. We are dedicated to the success of our clients.
swissHUB – TRUSTWORTHY TRANSACTIONS
Enjoy all the benefits and features of swissHUB from home or on the go, no matter where you are! Use mobile banking technology for your comfort and convenience to manage your accounts with ease and move your money whenever and wherever you want.
We are a team of experts with proficiency in financial markets covering various jurisdictions, so we can offer leading technology and service in a fully compliant way.
Our system focuses primarily on customer needs and user experience. As an innovative financial gateway, we can connect you to the best available services on the market. We work with automated KYC methods, including machine learning and artificial intelligence modules.
Your money and relevant personal data are sensitive and require a partner who can safeguard them. swissHUB has all the data, transactions, and products encrypted with modern cutting-edge cryptographic technology, protecting your privacy to the highest standards.
SwissHUB is a brand of Swiss Wealth Management AG. Swiss Wealth Management AG is an authorized member of d’Organisme de Surveillance pour Intermédiaires Financiers & Trustees (“SOFIT”) (Member No.: 1179) in its capacity as self-regulatory organization (“SRO”) recognized by the Swiss Financial Market Supervisory Authority (FINMA) and as required by the Swiss Anti-Money Laundering Act (AMLA).
Swiss Wealth Management AG is registered with the Swiss Companies Register (company number CHE-105.854.576) with a registered address at Rue des Alpes 11, 1700 Freiburg, Switzerland.
SwissHUB is an introducing platform that connects its users to the third-party licensed service partners. When you register on SwissHUB your identity verification information and documents are shared with Bitnuk AG and a wallet is opened for you at Bitnuk. When you perform other actions via the swissmoney platform, your identity verification information may be securely shared with other relevant licensed service partners. All cryptocurrencies are held in a secure wallet operated by Bitnuk AG, or other properly licensed service partners. All customer funds are held by licensed banks. Please read our Terms of Use in their entirety before you use this platform.
swissHUB is a brand of Swiss Wealth Management AG and authorized member firm of d’Organisme de Surveillance pour Intermédiaires Financiers & Trustees (“SOFIT”), a self-regulatory organization (“SRO”) recognized by the Swiss Financial Market Supervisory Authority (FINMA) and as required by the Swiss Federal Law on combating money laundering and terrorism financing in the financial sector (AMLA). As SWISSHUB is not subject to direct FINMA supervision, regulatory issues should be addressed to SOFIT.
As used in these Terms of Use, “SWISSHUB” refers to the company Swiss Wealth Management AG, registered with the Swiss Companies Register under the company number CHE-105.854.576 with its registered address at Rue des Alpes 11, CH-1700 Freiburg, Switzerland.
SWISSHUB is not a bank and, as such, is not part of a depositor protection scheme.
References to SWISSHUB are also references to its owners, directors, investors, employees.
SWISSHUB is an introducing platform which connects its Members to licensed service partners. When you register on SWISSHUB your identity verification information and documents might be shared with Bitnuk AG and a wallet is opened for you at Bitnuk automatically. When you perform other actions via the SWISSHUB platform, your identity verification information might be securely shared with the other relevant licensed service partners. All customer funds are securely held by licensed banks. When you withdraw funds, the funds will be coming from a bank account in the name of swissHUB AG.
By using this website (“Site”), registering for a SWISSHUB Account (“Account”) or using any other SWISSHUB Services, you (“you, your, or yourself”) are agreeing to accept and comply with the Terms and Conditions of use stated below (“Terms of Use”). You should read the entire Terms of Use carefully before using this Site or any of the SWISSHUB Services.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of these Terms of Use, then you may not access the Service.
Depending on your country of residence, you may not be able to use all the functions of the Site. It is your responsibility to follow the rules and regulations applicable in your country of residence and/or country from which you access this Site and Services. As long as you agree to and comply with these Terms of Use, SWISSHUB grants you the personal, non-exclusive, non-transferable, non-sublicensable, and limited right to enter and use the Site and the Service.
IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT, DO NOT ACCESS THIS SITE AND DO NOT USE OUR SERVICE.
Account (or Profile): The contractual arrangement wherein a SWISSHUB Member has accepted our Terms of Use and Privacy Policy, and received approval to use SWISSHUB Services, including the option to open bank account, purchase a credit card or purchase and sale of cryptocurrencies, to perform associated Transactions and use swissHUB and/or swissHUB partners services.
Beneficial Owner: Any natural person who owns the Client (a legal person or a foreign undertaking) or controls the Client and/or the natural person on whose behalf a transaction or activity is being conducted.
Bitcoins: The Peer-to-Peer Internet digital currency further described at Bitcoin.org.
Cryptocurrencies: All digital currencies, including but not limited to Bitcoin.
Buyer(s): Member(s) that are submitting an offer to buy cryptocurrency and/or precious metals through the Service.
Commission or Fee: The charges or fees payable by you to us for the Services as set out in the Terms of use and its supplements or on a transaction basis, such as a buy or sell of cryptocurrency or precious metals.
Company: Means Swiss Wealth Management AG and its brand swissHUB, a company registered with the Swiss Companies Register under the company number CHE-105.854.576 and authorized member of SOFIT with member number 1179, having its registered address at Rue des Alpes 11, CH-1700 Freiburg, Switzerland.
Member(s) or Client(s): A natural or legal person, accepted by the Company as its Client to whom services will be provided by the Company under the Terms.
Personal Data: Information that identifies an individual, such as name, address, e-mail address, trading information, and banking details. “Personal Data” does not include anonymized and/or aggregated data that does not identify a specific user.
Price: The “price per coin” for which Members are willing to purchase or sell cryptocurrencies, using the Service in a purchase or sell transaction. The Price may be expressed in any of the currencies deposited by Members in their Account and supported by the Service. See our Site for a full list of currencies. SWISSHUB may not offer currencies other than Euros at this time.
Seller(s): Member(s) that submit an offer to sell cryptocurrencies and/or precious metals through the Service.
Service(s): The technological platform, functional rules, client KYC & AML verification and market managed by SWISSHUB to permit Sellers and Buyers to purchase and sell cryptocurrencies, precious metals and other services provided by licensed partners of swissHUB.
Transaction: Includes the following (as available from time to time):
The business model and Service(s) of SWISSHUB is to facilitate, through its secure money transfer platform, the buying and selling of cryptocurrencies, precious metals trading, enabling customers to open bank account(s) and/or order credit/debit card(s) for Members, and/or convert funds between different currencies among other services, as available from time to time.
SWISSHUB is an authorized member firm of d’Organisme de Surveillance pour Intermédiaires Financiers & Trustees (“SOFIT”), a self-regulatory organization (“SRO”) recognized by the Swiss Financial Market Supervisory Authority (FINMA) and as required by the Swiss Federal Law on combating money laundering and terrorism financing in the financial sector (AMLA). Regulatory issues regarding SWISSHUB should be addressed to SOFIT.
The creation and use of your Account is subject to verifications, as required by statutory and regulatory obligations incumbent on SWISSHUB. You agree to provide us with the information we request for the purposes of identity verification, compliance with know-your-customer rules, as well as detection of money laundering, terrorism financing, fraud or any other financial crime. The requested information may include Personal Data (please refer to our Privacy Policy). By providing us with the information we request, you confirm that it is true and accurate, and agree to inform us in case of change concerning such information. Your Account will be blocked until we will satisfied with the information you have provided and determine in our sole discretion that it is sufficient to validate your Account. In the meantime, you will not be allowed to terminate your Account or request the deletion of the Personal Data processed in the course of verification operations. SWISSHUB utilizes and thus securely shares information with a third-party KYC/AML verification tool in addition to its internal identification screening procedures.
It is understood that we are not required (and may be unable under Applicable Regulations, including without limitation anti-money laundering checks, etc.) to accept a person as our Client. It is further understood that we reserve the right to impose additional due diligence requirements to accept Client(s) residing in certain countries or whenever this is required by the Company or our partner’s policies.
It is allowed to create only one Active Profile per Client with the Company. In the event that the Client has more than one Profile with the Company, the Company reserves the right to treat them as if they were under one Account and request the Client to choose the Main Profile in order for the duplicate Profile(s) to be terminated and/or merged (if technically possible).
The Services are available to and may only be used by individuals or companies who can form legally binding contracts under the law applicable to their country of residence.
By registering for an Account, you expressly represent and warrant:
Without derogating from the above, the Company reserves the right, acting reasonably, to suspend and/or refuse access to and use of the Company’s service(s) and/or system(s) and/or Platform to anyone in our sole and absolute discretion.
This Site is for your personal and non-commercial use only. We are vigilant in maintaining the security of our Site and Service. By registering with us, you agree to provide SWISSHUB with current, accurate, and complete information about yourself, as prompted by the registration process, and to keep such information updated. Failure to do so constitutes a breach of these Terms of Use which may result in immediate termination of your account on our Service. You further agree that you will not use any Account other than your own, access the Account of any other Member at any time, or assist others in gaining unauthorized access.
The creation or use of Accounts without obtaining prior express permission from SWISSHUB will result in the immediate suspension of all said Accounts, as well as all pending purchase/sale offers. Any attempt to do so or to assist others (Members or otherwise), or the distribution of instructions, software, or tools for that purpose, will result in the Accounts of such Members being terminated. Termination is not the exclusive remedy for such a violation, and SWISSHUB may elect to take further action against you.
You are also responsible for maintaining the confidentiality of your Account information, including your password, and safeguarding your account and all activity including Transactions that are posted to your Account. In case of the cryptocurrency transactions be aware that they are irreversible once sent, so be sure to carefully confirm the receiving address before initiating a Bitcoin transaction. Any actions on the Site, transactions, orders and operations initiated from your Account or using your password (1) will be considered to have been made by you, and (2) is irrevocable once validated using your password or made through your Account. If there is suspicious activity related to your Account, we may, but are not obligated to, request additional information from you, including authenticating documents, and freeze any transactions pending our review. You are obligated to comply with these security requests or accept the termination of your Account. You are required to notify SWISSHUB immediately of any unauthorized use of your Account or password, or any other breach of security, by email to [email protected]. The account of any Member who violates these rules may be terminated and the Member held liable for losses incurred by SWISSHUB or any user of the Site.
Lastly, you agree that you will not use the Service to perform criminal activity of any sort, including but not limited to money laundering, illegal gambling operations, terrorist financing, malicious hacking or any criminal or illegal activity.
You have option to add funds to your Account using credit/debit card and bank transfer.
Swissmoney will not accept third party or anonymous transactions. The credit card or bank account which you decide to use to fund your swissHUB Account(s) must belong to you and must be in your name. We do not accept money from people who are not you. We may require you to provide us with documents to verify the details, and the ownership of your payment method. If we cannot verify the details of your payment method, or if we cannot verify that the payment method belongs to you, you will not be able to deposit money into your Account, and therefore will not be able to use our Services.
All transactions are checked and may be processed up to a certain amount, as it may be defined by the Company from time to time, automatically. For fully verified accounts also first-time deposits may be processed automatically, however it remains on the Company’s discretion to request further documents in order to establish and verify the ownership of the used account/card in case discrepancies have been detected upon manual ex-post check. The processing of received bank transfers may take between 1 up to 7 business days.
The Company reserves the right to request the Client at any time to provide any documentation to confirm the source of funds deposited into the Client Account. The Company shall have the right to reject a deposit from the Client if the Company is not duly satisfied as to the legality of the source of funds.
Lastly, the Company accepts no responsibility for fees or charges applied on any transaction by your financial institution and/or currency exchange rates resulting from the payment of such amount. Consequently, such fees or charges shall be fully borne by you.
You may withdraw funds from your Account at any time in accordance with the Terms of Use, using a bank transfer option (SEPA and/or International transfer). Swissmoney will process the request provided the following requirements are met:
You further acknowledge and accept that the expected destination of outgoing transfers/payments will be the same as with the expected destination of incoming of funds. You may not be allowed to withdraw your funds by any other method, or to any other country, apart from your country of residence.
SWISSHUB allows its Clients to use its Partner’s (Bitnuk AG) Institution capabilities to buy and sell cryptocurrencies such as Bitcoin and Ethereum.
The Service operated by Bitnuk AG allows all customers of the Service (“Members”) to:
Client is automatically provided with a Crypto Ledger Trading Desk Account, which can be topped up from the current Account that client holds with Swissmoney. From here, client can execute buy or sell orders on any of the cryptocurrencies available, as well as withdraw crypto funds back to his/her swissHUB Account(s).
Client is advised to review and accept the Terms of Use, Privacy Policy and Risk Warning of Bitnuk AG, prior to using of the Crypto Exchange services.
The trading of goods and products, real or virtual, as well as virtual currencies involves a significant risk. Prices can and do fluctuate on any given day. Such price fluctuations may increase or decrease the value of your assets at any given moment. Any currency, virtual or not, may be subject to large swings in value and may even become worthless. There is an inherent risk that losses will occur as a result of buying, selling, or trading anything on a market.
Trading cryptocurrencies also has special risks not generally shared with official currencies, goods, or commodities in a market. Unlike most currencies that are backed by governments, other legal entities, or commodities such as gold or silver, cryptocurrencies are a unique type of Internet digital currency, backed by technology and trust. There is no central bank that can issue more currency or take corrective measures to protect the value of cryptocurrencies in a crisis.
Instead, cryptocurrencies are an as-yet autonomous and largely unregulated global system of firms and individuals. Traders put their trust in a digital, decentralized, and partially anonymous system that relies on peer-to-peer networking and cryptography to maintain its integrity.
The trading of cryptocurrencies is often susceptible to irrational bubbles or loss of confidence, which could collapse demand relative to supply. For example, confidence might collapse in cryptocurrencies because of unexpected changes imposed by software developers or others, a government crackdown, the creation of superior competing alternative currencies, or a deflationary or inflationary spiral. Confidence might also collapse because of technical problems: if the anonymity of the system is compromised, if money is lost or stolen, or if hackers or governments are able to prevent any transactions from settling.
There may be additional risks that we have not foreseen or identified in these Terms of Use. You should carefully assess whether your financial situation and tolerance for risk are suitable for buying, selling, or trading cryptocurrencies.
We use our banking providers in order to receive client funds and make payments. Our banking providers DO NOT transfer, exchange, or provide any services in connection with cryptocurrencies.
Our fees charged are disclosed on a per transaction basis.
Other charges: The Company reserves the right to charge extra service fees for any documents requested by you for a personal use such as but not limited to acknowledgement letters, account confirmation letters for tax purposes or communication retrieval other than already included in the dedicated section for data transfer on the Client’s portal. The Company will communicate the fees to you upon receiving a request for any of the requested documentation.
Chargebacks and similar costs, that may arise from incorrect transactions will be borne by you.
By using the Platform, you are required to agree to the respective Agreements, Terms and Conditions and Privacy Policies of our authorized swissHUB partners, depending on the services you would like to use. You may be prompted to read and acknowledge these legal documents upon applying for such product or service on swissHUB Platform. Please read them carefully:
The Terms of Use enter into force on the day you register for the Profile and are valid as long as you have an Account with us. We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Use.
Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.
However, do note that you may not close your Account / terminate this Terms of Use to avoid an investigation. If you attempt to close your Account / terminate this agreement while swissHUB is investigating, we may freeze the Profile / Account (s) to protect all parties to the swissHUB services, its affiliates, or a third party against any liability. You will remain liable for any obligations related to your swissHUB Account and your activity even after it is closed.
The termination of your Profile / Account will not affect any of our rights or your obligations arising under these terms of use. Any terms which by their nature should survive, will survive the termination of your Profile / Account.
Unless otherwise specified, all Materials on this Site are the property of SWISSHUB and are protected by copyright, trademark, and other applicable laws. You may view, print, and/or download a copy of the Materials from this Site on any single computer solely for your personal, informational, and/or non-commercial use, provided you comply with all copyright and other proprietary notices.
The trademarks, service marks, and logos of SWISSHUB and others used in this Site are the property of SWISSHUB and their respective owners. The software, text, images, graphics, data, prices, trades, charts, graphs, video, and audio used on this Site belongs to SWISSHUB. The Trademarks and Materials should not be copied, reproduced, modified, republished, uploaded, posted, transmitted, scraped, collected, or distributed in any form or by any means, whether manual or automated. The use of any such Materials on any other Site or networked computer environment for any other purpose is strictly prohibited; any such unauthorized use may violate copyright, trademark, and other applicable laws, and could result in criminal or civil penalties.
All services are provided without warranty of any kind, either express or implied, and in particular without implied warranties of merchantability and fitness for a particular purpose. We do not guarantee that this Site will be available 100% of the time to meet your needs. We will strive to provide you with the Service as soon as possible, but there are no guarantees that access will not be interrupted or that there will be no delays, failures, errors, omissions, or loss of transmitted information.
We will use reasonable endeavors to ensure that the Site can be accessed by you in accordance with these Terms of Use. However, we may suspend the use of the Site for maintenance and will make reasonable efforts to give you notice of this. You acknowledge that this may not be possible in an emergency, and accept the risks associated with the fact that you may not always be able to use the Site or carry out urgent transactions using your Account.
We may provide certain parties with access to specific data and information through our API (Application Programming Interface) or widgets. We also may provide widgets for your use to enter our data on your Site. You are free to use these in their original unmodified and un-altered state.
SWISSHUB makes no representations whatsoever about any external or third-party website you may access through the Site. Occasionally, the SWISSHUB website may provide references or links to other websites (“External Websites”). We do not control these External Websites or third-party sites or any of the content contained therein. You agree that we are in no way responsible or liable for the External Websites referenced or linked from the SWISSHUB website, including but not limited to website content, policies, failures, promotions, products, opinions, advice, statements, prices, activities and advertisements, services, or actions, and/or any damages, losses, failures, or problems caused by, related to, or arising from those sites. You shall bear all risks associated with the use of such content.
External Websites have separate and independent Terms of Use and related policies. We request that you review the policies, rules, terms, and regulations of each site that you visit. It is up to you to take precautions to ensure that whatever you select for your use is free of items such as viruses, worms, Trojan horses, and other items of destructive nature.
SWISSHUB does NOT provide any investment advice in connection with the Services described in these Terms of Use. Any decision to use swissHUB Partner’s services such as purchase or sell cryptocurrencies through Bitnuk AG or other available services through other Partners, is solely your decision and we shall not be liable for any loss suffered.
Privacy is very important to us. Full details of our Privacy Policy can be found on our Privacy Policy page. We recommend that you read the Privacy Policy carefully, so that you know the data that we collect, how we use the data and who we share your data with.
We may share your Personal Data with law enforcement, data protection authorities, government officials, and other authorities when:
To the extent permitted by law, SWISSHUB will not be held liable for any damages, loss of profit, loss of revenue, loss of business, loss of opportunity, loss of data, indirect, or consequential loss, unless the loss suffered arose from gross negligence or willful deceit or fraud. Nothing in these Terms of Use excludes or limits the liability of either party for fraud, death, or personal injury caused by its negligence, breach of terms implied by operation of law, or any other liability which may not be limited or excluded by law. Although SWISSHUB endeavors to provide accurate and timely information on the Site, the Site may not always be entirely accurate, complete or current and may include errors. We may change or update the Site at any time without notice, and you should accordingly verify with independent sources all information before relying on it to take decisions or actions. You remain entirely responsible for your decisions and actions.
We can face technical or system error which is beyond the Company’s reasonable control. There may occur events such as power supply, telecommunication issues, natural disasters etc. that cause system interruption beyond the service providers’ control. When such an error occurs during the execution of clients’ requests the Company accepts no liability with the exception of any grossly negligence, fraudulent, dishonest or criminal conduct on the part of the Company, its directors, its officers or employees when acting within the scope of the service agreement (Terms of Use).
Subject to the foregoing, SWISSHUB‘s aggregate liability for claims based on events arising from or in connection with any single Member’s use of the Site and/or Service, whether in contract or tort (including negligence) or otherwise, shall in no circumstances exceed the greater of either (a) the total amount held on Account for the Member making a claim less any amount of Commission that may be due and payable in respect of such Account; or (b) 100% of the amount of the Transaction(s) that are the subject of the claim less any amount of Commission that may be due and payable in respect of such Transaction(s).
You should be also aware that in some cases intermediary banks may hold the funds you attempt to deposit or withdraw from your Account, which may delay the transfer of funds and which the Company has no control over. The Company will not be held liable for such actions or omissions by intermediary banks.
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
SWISSHUB, its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
To the full extent permitted by applicable law, you hereby agree to indemnify SWISSHUB and its partners against any action, liability, cost, claim, loss, damage, proceeding, or expense suffered or incurred if directly or indirectly arising from your use of SWISSHUB’s Sites, your use of the Service, or your violation of these Terms of Use.
If we are unable to perform the Services outlined in the Terms of Use due to factors beyond our control including but not limited to an event of force majeure, change of law, or change in sanctions policy, we shall not be liable for the Services provided under this agreement during the time period coincident with the event.
SWISSHUB reserves the right to change, add, or remove parts of these Terms of Use at any time and at its sole discretion. You will be notified of any changes in advance through your Account. Upon such notification, it is your responsibility to review the amended Terms of Use. Your continued use of the Site following the posting of a notice of changes to the Terms of Use signifies that you accept and agree to the changes, and that all subsequent transactions by you will be subject to the amended Terms of Use.
We reserve the right, at our sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
Unencrypted email messages sent over the Internet are not secure and SWISSHUB is not responsible for any damages incurred as a result of sending email messages in this way. We suggest existing Members always log in to the SWISSHUB site and use the internal support messaging system by clicking “Support” in the footer menu or, for non-Members, always send email in encrypted formats. You are welcome to send PGP encrypted emails to us. The instructions and keys to do so are available upon request. Please never send us or anyone else your password by email.
If you send unencrypted or unsecured email or other types of communications to us, we may respond using the same channels and you hereby accept the risks associated therewith.
swissHUB will never contact you from an email account that does not end with @swm.eu.com. If anyone, including a person that you know to be associated with swissHUB ever contacts you via email with an address that does not end with @swm.eu.com, please notify our compliance department at [email protected] immediately.
You agree that we may record any telephone, email and chat conversations with you, as well as any other forms of communications, activities, and transactions, between you and us, and that the recordings may be used as evidence in any proceedings relating to our Agreement with you, any order you place, and/or trades executed. These records will be our sole property.
If you are a Member, and have any questions relating to these Terms of Use, your rights and obligations arising from these Terms, and/or your use of the Site and the Service, your Account, or any other matter, please Contact Us via our internal secure messaging platform, from within your account by clicking “Support” in the footer after logging in or, if you cannot Contact Us using our internal secure messaging platform, you can email us via the contact form on the Contact Us page of our website. If you email us without using our internal secure messaging platform, please send PGP encrypted emails to us. The instructions and keys to do so are available upon request. For more information about email communications, see the section titled “Email communication” above.
This website uses cookies to ensure you have the best experience. By continuing to use this site, you consent to our Cookie Statement. You can disable cookies at any time, by changing your browser settings. See our Cookie Statement for instructions on how to disable cookies, and the effect this will or may have on the Services.
The Terms of Use shall be governed and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions. The parties hereto agree to irrevocably submit to the exclusive jurisdiction of the courts of Basel (4051), Switzerland.
Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights. If any provision of these Terms of Use is held to be invalid or unenforceable by a court, the remaining provisions of these Terms of Use will remain in effect. These Terms of Use constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have between us regarding the Service.
Last updated 1 December 2020
This privacy notice applies to Swiss Wealth Management AG and its brand swissHUB, which sometimes use trading names including SWISSHUB (together “SWISSHUB” or “we” or “our”).
This notice shows our commitment to protect your privacy rights and sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. It applies to:
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
SWISSHUB takes a ”layered approach” to explaining its privacy practices, as recommended by regulators. This means that we endeavor to initially provide you with the key privacy information in the form of this ”short form” privacy notice. To review our complete privacy notice, please see our Comprehensive Privacy Policy. Contact us details are provided at the end of this privacy notice, for feedback or any privacy enquiries you may have.
You may provide some information to us, for example when you enquire for or make an application for the SWISSHUB Services, register to use and/or use any SWISSHUB Services, by filling in forms on one of our websites, participating in one of our events or by corresponding with by us phone, e-mail, web chat or otherwise. We may collect some of it through automatic means, for example by using cookies when you visit our websites. Read our Cookie Statement to know more. We may also obtain data about you from third parties, like credit reference and fraud prevention agencies.
We use information we collect about you to provide you with the products we offer, to notify you about changes to our products and to improve our products. We also use this information to provide you with information about other products we or selected third parties offer which are similar to the ones you have used or enquired about or we think may be of interest to you. If you use one of our financial products, we will also use your information to assess your financial situation and to try to identify and prosecute possible frauds.
We will not disclose your personal data to anyone except as described in this notice. We may share your personal information with third parties to provide you with the products we offer, including service providers, credit reference agencies and financial institutions. We may also share your personal information with third parties to prevent crime and reduce risk, if required to do so by law, where we deem it appropriate to do so, to respond to legal process or to protect the rights or property of SWISSHUB, our customers or others.
The information SWISSHUB collects from you may be transferred to, stored at and processed by recipients located in destinations outside the European Economic Area (“EEA”). These countries may have data protection standards that are different to (and, in some cases, lower than) those in which you reside. We will take all steps necessary to ensure that the recipients will use and protect your information in the same secure way that we do.
If we have given you (or if you have chosen) a password, access code or any other secure means or access or authentication which enables you to access certain parts of our site, you are responsible for keeping this password confidential and complying with our instructions. You must not share your password or other login credentials with anyone, and you hereby authorise SWISSHUB to act upon instructions and information from any person that enters your credentials.
The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site, unless you are communicating with us through a secure channel provided by us. Once we have received your information, we will use strict procedures and security features in an effort to prevent unauthorised access.
Where applicable, you may have certain rights under data protection legislation, including the right to access, correct, update or delete your personal information; object to or restrict its processing; request to transfer certain of your personal information to another service provider (so called, data portability); or to revoke any consent you have given.
However, please note that there are exceptions to those rights. For the full explanation of the rights available, please refer to our Comprehensive Privacy Policy.
Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review.
For example, we use automated decisions to complete a credit assessment on you when you apply to financial services of SWISSHUB, or to carry out anti-fraud checks on the transactions you perform. However, if you are in the European Union, you have the right to object to the automated decision and have it manually reviewed based also on information that you can provide. You can contact us at the details below to exercise your right.
SWISSHUB will process your personal information only when we have one of the following grounds:
Any changes we may make to our privacy notice in the future will be posted on this page and, where appropriate, you will be notified by e-mail. Please check back frequently to see any updates or changes to this privacy notice.
At SWISSHUB, we welcome all comments, queries and requests relating to our use of your information.
Our Data Protection Officer is the person in charge of ensuring our company adheres to this privacy notice. This person is also the main contact for our Data Protection Supervisory Authority. If you wish to exercise any of your rights or receive further information concerning SWISSHUB (to which this notice applies), you should write to our Data Protection Offer (DPO) at [email protected] or at the address below:
swissHUB, Rue des Alpes 11, CH-1700 Freiburg, Switzerland
This privacy notice applies to Swiss Wealth Management AG and its brand swissHUB, which sometimes use trading names including SWISSHUB (together “SWISSHUB” or “we” or “our”).
This notice shows our commitment to protect your privacy rights and sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. It applies to:
The swissHUB Website is not intended for the use by anyone under the age of 18. If you are below the age of 18, you may not use the swissHUB Website.
We ask that you read this Policy carefully as it contains important information about what to expect when we collect personal information about you and how we will use your personal data.
„Account“ shall mean the contractual arrangement wherein a SwissHUB member has accepted our Terms of Use and Privacy Policy, and received approval to use the SwissHUB Services, including the purchase and sale of Bitcoins and to perform associated Transactions.
„AML“ shall mean anti-money laundering and counter-terrorism financing regulations.
„DPL“ shall mean data protection law applicable to SwissHUB, including the Swiss Data Protection Act, draft of September 2017, its successors or implementing texts as well as equivalent legislation, which is applies to the processing of Personal Data by SwissHUB.
„Personal data“ shall mean any information that identifies an individual, such as name, address, e-mail address, trading information, and banking details. Personal Data does not include anonymised and/or aggregated data that does not identify a specific user.
„Service(s)“ shalll mean the technological platform, functional rules and market managed by SwissHUB to permit Sellers and Buyers to perform purchase and sale transactions of Bitcoins and/or other Cryptocurrencies.
„Supervisory institutions“ shall mean d’Organisme de Surveillance pour Intermédiaires Financiers & Trustees (“SOFIT”), Swiss Financial Market Supervisory Authority (FINMA), or other institutions that directly or indirectly supervise our activity.
„SwissHUB platform“ shall mean hardware and software technologies used by SwissHUB to provide the SwissHUB Service as set out in our Terms of Use.
„Transaction“ shall include the following:
„You“ or „Your“ or „the Client“ shall mean the natural person who is contracting with us, making payment to our System or representative, Beneficial owner on whose behalf the Personal data is provided.
Other terms in this Privacy policy are used as defined in our online Terms & Conditions.
We collect and process Your data for the following purposes:
a) Provision of Payment services; Verification of the identity; prevention of fraud, money laundering, counter-terrorist financing, other financial crimes; implementation of other obligations under AML requirements;
b) Notification about changes in our Services and dispute prevention;
c) Dispute settlement;
d) Marketing;
A. Provision of Payment services; Verification of the identity; prevention of fraud, money laundering, counter-terrorist financing, other financial crimes;
Implementation of other obligations under AML requirements
1. SwissHUB is required by law to verify your identity, monitor transactions of the Client, prevent fraud, money laundering, counter-terrorist financing, other financial crimes, properly implement obligations of payment service provider and comply with AML regulations.
2. For this purpose, We may collect below data about the natural person client or representative of the legal person client:
3. We may also collect and process Identity data about Beneficial owners of legal entity. Also Identity data might be collected and processed about Head of legal entity if Profile has been opened by other representative of the Client;
4. We may collect data from You and from third parties, We may search publicly available information about You in order to Verify your identity, process transactions, detect and prevent fraud or other similar purposes,
5. We collect data mentioned above as We are required by law and We need this information as to enter contractual relationship with the Client. If you or a representative of legal entity won’t provide required data, We may refuse to enter into contractual relationship and provide Services for the Client,
6. We may provide your data to: supervisory institutions, banking and financial services partners, other payment service providers, payment card manufacturing/ personalization and delivery companies, companies that provide identification and sanctions/ watch lists screening, transaction monitoring services, government institutions, attorneys, bailiffs, pre-trial investigation institutions, courts, auditors, debt recovery agencies, companies that handle joint debtor data files, fraud, money laundering, terrorist financing and other financial crimes prevention agencies, other subjects that have legitimate interest or Your acceptance.
7. We process personal data for as long as is necessary for the relevant purpose(s) or as required by law (e.g., our tax obligations, AML obligations and obligations to retain business records).
8. We may provide your data to third countries as to perform Your payment transaction to third country recipient or using third country partners services for the payment transaction, in which case we ensure that there is adequate protection for such personal data either by ensuring that the transfer is made on the basis of an adequacy decision (such as the EU-CH adequacy decision), or by use of safeguards described in Art. 6 of the SDPA respectively Article 46 of the GDPR In some cases, we may transfer your data to countries without adequate data protection, provided that the requirements under the applicable data protection laws, such as your explicit consent, are met.
B. Notification about changes in our Services and dispute prevention.
1. We are required by law to notify You about changes in our Services and Terms & Conditions for provision of services. These notifications are not marketing material and are to be provided as required by law. According to this You shall not have the right to object receiving such notifications. For this purpose, we may process Your Contact data.
2. We process above mentioned data as We are required by law and for the performance of the contract with the client.
3. You can also refer to Us requiring information from Us, to consult with Us about our Services or to inform Us about unauthorized payments, demand to block Your payment instrument or ask to provide other information. You may contact Us by phone or email. As You contact Us We may process Your Identity data, Contact data, Device data, also record our phone conversations and store content of our correspondence and history of it.
4. Above mentioned data is processed:
5. Your data may be provided to supervisory institutions, attorneys, pre-trial investigation institutions, courts, auditors, debt recovery agencies, companies that handle joint debtor data files, other subjects having Your acceptance.
C. Dispute Settlement
1. Before starting a dispute with Us firstly You should contact SwissHUB so that we can handle your complaint and satisfy it benevolently if it is well grounded. If you are not satisfied with our reply, You can address competent authority according to Our Complaints policy.
2. As the dispute may arise, for dispute settlement purposes We may collect and process such data: Identity data, Contact data, KYC data, also data provided in Your claim and its supplements, other data needed to investigate Your claim. The data is processed as We are required by the law.
3. Your data may be provided to supervisory institutions, attorneys, pre-trial investigation institutions, courts, auditors, debt recovery agencies, companies that handle joint debtor data files, other subjects having Your acceptance.
D. Marketing
1. We may provide you by email the information about our current and new Services, other goods and services We offer that are similar to those that you have already used or inquired about, to provide you or permit selected third parties to provide you information about goods or services We feel may interest You.
2. Email for our direct marketing purposes (newsletters) will be processed only with Your separate acceptance.
3. You have the right at any time to object to your email usage for direct marketing purposes.
4. We may provide your email-address to email marketing service providers to send you newsletters on our behalf.
5. We hereby inform you that we may also use your personal data (such as used services, location, IP, behavior, etc.) to form a view on what We think You may want or need, or what may be of interest to you and show You adverts in our webpage.
6. We may also provide anonymized information to advertisers to promote our products and services. Therefore, such anonymized information would be used to help our advertising partners provide a targeted campaign, relevant for a sub-section of our Clients.
7.You have the right at any time to object to your data usage for marketing purposes.
8. We may contract (hire) certain service providers, i.e. data processors, to process your personal data. These may be companies providing data storage, server and/or communication services, companies developing and maintaining software, companies providing marketing services and analysis of activities online, online traffic and website analysis, statistics services and other service providers. Your personal data may be transferred to these data processors only when and solely to the extent necessary for the provision of the respective services of these data processors.
1. SwissHUB receives and stores certain information automatically whenever you interact with SwissHUB. The SwissHUB website uses cookies. Cookies are small text files that are placed on your computer by websites that you visit, including SwissHUB. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
2. Cookies are typically stored on your computer’s hard drive. Information collected from cookies is used by us to evaluate the effectiveness of our website, analyze trends, and administer the Platform. The information collected from cookies allows us to determine such things as which parts of our website are most visited and difficulties our visitors may experience in accessing our website. With this knowledge, we can improve the quality of your experience on the Platform by recognizing and delivering more of the most desired features and information, as well as by resolving access difficulties. We also use cookies and/or a technology known as web bugs or clear gifs, which are typically stored in emails to help us confirm your receipt of, and response to, our emails and to provide you with a more personalized experience when using our website. The information we collect includes:
3. We use third party service provider(s), to assist us in better understanding the use of our website. Our service provider(s) will place cookies on the hard drive of your computer and will receive information that we select that will educate us on such things as how visitors navigate around our site, what products are browsed, and general Transaction information. Our service provider(s) analyses this information and provides us with aggregate reports. The information and analysis provided by our service provider(s) will be used to assist us in better understanding our visitors’ interests in our website and how to better serve those interests. The information collected by our service provider(s) may be linked to and combined with information that we collect about you while you are using the Platform. Our service provider(s) is/are contractually restricted from using information they receive from our website other than to assist us.
4. If you want to avoid using cookies altogether, you can disable cookies in your browser. However, disabling cookies might make it impossible for you to use certain features or our website or services, such as logging on to your SwissHUB Account or making transactions. Your use of our website or service with a browser that is configured to accept cookies constitutes an acceptance of our and third-party cookies.
5. For more information about cookies, the types of cookies we use and how we use them please see our Cookie Statement.
1. Your data will be processed by automated means, as well as to manual processing, including automated individual decision-making and profiling, for various processing purposes.
2. Automated decision making and profiling might be used for Verification of your identity, monitoring Your operations and activity in the Profile, predicting other aspects of Your behavior. Such procedures are necessary according to AML requirements and necessary for entering and performing business relationship between Us and the Client. SwissHUB implements suitable measures to safeguard Your rights and freedoms and legitimate interests, including the right to obtain human intervention. You also have the right to express your point of view and to contest the decision.
3. The information We process about You is stored on our secure servers. We use all needed technical, organizational and other means to protect your data.
We may disclose your Personal Data to third parties and legal and regulatory authorities and transfer your Personal Data outside the Switzerland and the EEA, as described below.
1. There are certain circumstances where we may transfer your Personal Data to employees, contractors and to other parties:
2. Your Personal Data may be transferred to other third party organisations in certain scenarios:
3. Your Personal Data may be shared if it is made anonymous and aggregated, as in such circumstances the information will cease to be Personal Data.
4. Your information will not be sold, exchanged, or shared with any third parties without your consent, except to provide SwissHUB Services or as required by law.
5. The third-party service providers of SwissHUB are contractually bound to protect and use such information only for the purposes for which it was disclosed, except as otherwise required or permitted by law. We ensure that such third parties will be bound by terms complying with DPL.
6. Specifically, Your Personal Data may be transferred to the following third party organisations in certain scenarios:
1. SwissHUB may be required by law to pass information about you to regulatory authorities and law enforcement bodies worldwide, or we may otherwise determine that it is appropriate or necessary to do so. Such disclosures may also include requests from governmental or public authorities, or with commercial organizations with whom you may have had dealings and whom are seeking to mitigate fraud risk, or for the purposes of litigation or legal process, national security or where we deem it in the national or public interest or otherwise lawful to do so. As such, we may share your Personal Data with law enforcement, data protection authorities, government officials, and other authorities when:
a) Compelled by court order, or other legal procedure.
b) Disclosure is necessary to report suspected illegal activity.
c) Disclosure is necessary to investigate violations of this Privacy Policy or our Terms of Use.
We store and process your Personal Data in data centers around the world, wherever SwissHUB facilities or service providers are located. As such, we may transfer your Personal Data outside of Switzerland and the European Union. Some of the countries to which your Personal Data may be transferred for these purposes that are located outside Switzerland or the EU do not benefit from an adequacy decision issued by the Swiss Data Protection and Information Commissioner or by the EU Commission regarding protection afforded to Personal Data in that country. Details of these specific countries can be found here: https://www.edoeb.admin.ch/edoeb/de/home/datenschutz/handel-und-wirtschaft/uebermittlung-ins-ausland.html and https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/adequacy-protection-personal-data-non-eu-countries_en. Such transfers are undertaken in accordance with our legal and regulatory obligations and appropriate safeguards under DPL will be implemented, such as standard data protection clauses with data recipients or processors approved by competent authorities. A copy may be requested at the address set out in the Contact Us section.
1. Please be informed about your rights under Data Protection regulations in relation to Your personal data:
a) Right to Information: The right to ask us for information about what personal data of Yours is being processed and the rationale for such processing.
b) Right of Access: The right to access your personal data;
c) Right of Rectification: The right of rectification of inaccurate personal data concerning you, and the right to have incomplete personal data completed. Please be advised that we may need to verify the accuracy of the new data You provide to Us;
d) Right of Erasure (the right to be forgotten): The right of erasure of personal data concerning You if there is no convincing reason for Us continuing to process it. Please be advised that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to You, if applicable, at the time of your request. Please note that Under GDPR Article 17(3)(b), legal requirements take precedence over the right to be forgotten. From an AML perspective, both customer due diligence and transaction records have to be retained for a minimum of a set number of years after the end of the customer relationship and SwissHUB will retain Your data, in line with AML regulations, for a minimum of 10 years. In this context, the right to be forgotten would only be enforceable after this period had ended. We will then take reasonable steps to securely destroy such information or permanently de-identify it.
e) Right of Restriction of Processing (Right to withdraw Consent): The right to obtain from Us restriction of processing if there is legitimate reason. Where processing has been restricted, such personal data shall, with the exception of storage, only be processed with your consent or for the establishment, exercise or defense of legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest of the EU or of a Member State.
f) Right to Data Portability: The right to receive the personal data concerning You, which you provided to Us and have the right to transmit data to another controller. Please be advised that this right only applies to information which You provided for Us.
g) Right to object: The right to object at any time to processing of personal data concerning You which is processed for the purposes of our legitimate interests. We shall no longer process the personal data unless the We demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of You or for the establishment, exercise or defense of legal claims. Where personal data is processed for marketing purposes, You shall have the right to object at any time to processing of personal data concerning You for such marketing.
h) Right to Object to Automated Processing: This right to object to a decision based on automated processing. Using this right, a customer may ask for his or her request (for instance, a loan request) to be reviewed manually, because he or she believes that automated processing of his or her loan may not consider the unique situation of the customer.
i) Right to withdraw consent: The right to withdraw Your consent at any time where we are relying on consent to process Your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. In some cases, if you withdraw Your consent, We may not be able to provide the Services to You.
j) Right to complain: You have right to make a complaint in regard to the privacy or data processing issues at any time. You can complain in the EU member state where you live or work, or in the place where the alleged breach of data protection law has taken place. In Switzerland, The Federal Data Protection and Information Commissioner (FDPIC) is the competent authority for data protection issues. We would, however, appreciate the chance to deal with Your concerns before You approach the supervisory authority so please contact Us in the first instance. You can contact our DPO via email at [email protected].
1. We take protecting of your personal data very seriously and strive to apply all necessary organizational and technological security measures.
2. We use a variety of security measures to ensure the confidentiality of your Personal Data, and to protect your Personal Data from loss, theft, unauthorised access, misuse, alteration or destruction. These security measures include, but are not limited to:
3. All financially sensitive and/or credit information is transmitted via SSL technology and encrypted in our database. Only authorised SwissHUB personnel are permitted access to your Personal Data, and these personnel are required to treat the information as highly confidential. The security measures will be reviewed regularly in light of new and relevant legal and technical developments.
4. We do not ask for financial or payment information, such as your credit card number, passcode, account number or pin number, in an e-mail, text or any other communication that we send to you. Please always check that any website on which you are asked for financial or payment information in relation to our reservations or services is operated by SwissHUB. If you do receive a suspicious request, do not provide your information and report it by contacting one our member service representatives as set in this Privacy Policy.
5. You are responsible for keeping your account passcode, membership numbers and pin numbers safe and secure. Do not share those with anyone. If there is an unauthorised use or any other breach of security involving your information, you must notify us below as soon as possible.
6. Please note, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted to our site, unless you are communicating with us through a secure channel that we have provided. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access. By browsing the Website and/or using the services of the Company you expressly acknowledge and agree that any personal information or other data provided by you to us or third persons is provided at your own risk.
1. This notice is global in scope but is not intended to override any legal rights or prohibitions in any territory where such rights or prohibitions prevail. In such event, the rights and obligations set out in this notice will apply, subject only to amendment under any applicable local law having precedence.
2. We have the right to adjust the provisions of this Privacy Policy. In such case, we will notify you of any changes of the Privacy Policy in advance and will publish a new version of the Privacy Policy on our Website. The Privacy Policy was last amended on January 8, 2021.
