1. Definitions
The following terms shall be understood as follows:
Regulations — these Regulations, specifying, in particular, the principles of concluding remote contracts with or through the Website, the principles of performance of these contracts, the rights and obligations of the Service Provider and the User, and the principles of the complaint procedure.
Service Provider — ALTERNATIVES BROKER SCHWEIZ Ltd. — a company incorporated in accordance with the laws of Saint Lucia, bearing registration number 2021-00120, with registered seat at Rodney Bayside Building, Rodney Bay Gros-Islet, Saint Lucia.
Cryptocurrency — a transferable property right which is neither legal tender, electronic money nor a financial instrument. The list of Cryptocurrencies whose turnover, deposits and withdrawals are allowed on the Website is published on the Website. A change of the list shall not constitute a change of the Service Contract.
User — an entity which uses the Website.
Consumer — a natural person using the Website in a manner not directly related to its business or professional activity.
Service — providing Users with an electronic platform for the exchange of information and concluding Transactions, as well as other actions of the Service Provider enabling the operation and use of the Website.
Service Contract — the contract concluded between the Service Provider and the User by acceptance of these Regulations, defining the principles of using the Services. The content of the Service Contract includes: these Regulations, the table of fees and pricing posted on the Website in the “fees” tab, KYC / CDD policy, and privacy policy.
Website — the Service Provider’s webpage operating under the domain ALTERNATIVES BROKER SCHWEIZ.io with all its subpages and tabs.
Transaction — the contract of sale of Cryptocurrency in exchange for another Cryptocurrency or Fiat Funds concluded by Users through the Website, as well as deposits and withdrawals made by the User.
Account — the User’s account created on request, based on personal data provided by the User, constituting a collection of data stored in the Service Provider’s Website and IT systems concerning a given User, services provided to the User, and the ordered/executed Transactions and contracts.
Login Details — data given or determined by the User (including password and OTAC) enabling access to the Account.
Fiat Funds — traditional currencies commonly recognised by governments as legal tender. The list of Fiat Funds whose turnover, deposits and withdrawals are allowed by the Service is published on the Website. A change of the list shall not constitute a change of the Service Contract.
AML risk assessment — evaluation as to whether transactions, behaviours, or a user create risks of laundering funds originating from illegal activities or financing of terrorism; performed by the Service Provider (including with support from external providers) as fulfilment of obligations under international guidelines and binding laws.
Delisting — removal of the possibility to trade, deposit or withdraw Fiat Funds or Cryptocurrencies on the Website. Delisting shall not constitute a change of the Service Contract.
2. Declarations and basic information
2.1 The Service Provider warns that a key threat to Internet users is the risk of infecting an IT system with harmful software (e.g., viruses, worms, trojans). To reduce such risks, Users should use and regularly update antivirus software. The Service Provider also notes risks related to hacking activities aimed at breaking into the Service Provider’s systems and the User’s systems. The User acknowledges that, despite modern security measures (as described in the Security Policy on the Website), no protection can be considered perfect.
2.2 The Services are provided by the Service Provider, a legal entity of Saint Lucia. The Service Provider is not a registered or regulated financial institution subject to State supervision.
2.3 The availability of Services may depend on the User’s citizenship, residence, or place of stay. The list of excluded countries is published and updated on the Website. Changes to this list shall not constitute a change of the Service Contract.
2.4 The User is obliged to determine legal regulations specifying tax obligations and payment methods to the appropriate tax authority. The Service Provider is not responsible for taxation of Transactions.
2.5 Safekeeping, safety, and use of User cash funds deposited on the Account are described in the Funds Security Policy. The Funds Security Policy is informational and does not constitute part of the Service Contract. Changes to it shall not constitute a change of the Service Contract.
2.6 The User acknowledges that Transactions are executed on the Website with other Users (or with the Service Provider acting as a user), unless explicitly stated otherwise (e.g., OTC transactions).
2.7 Nothing on the Website or the Service Provider’s social media constitutes a solicitation, recommendation, endorsement, or offer to buy or sell Fiat Funds, Cryptocurrencies, or other financial instruments. Neither the Service Provider nor its affiliates provide investment recommendations or advice regarding suitability, profitability, or appropriateness. The User is responsible for deciding whether any strategy is suitable. All Transactions are executed only on the User’s order. Any informational tools (e.g., “Galaxy Score”) are for informational purposes only and do not constitute legal or financial advice.
2.8 The User should consult an attorney, financial advisor, or other professional to determine what is best for their needs. The Service Provider makes no guarantees regarding any results from using its content.
2.9 Buying and selling cryptocurrencies involves inherent financial risk. No one should make investment decisions without consulting their own advisors and conducting independent research and due diligence.
2.10 To the maximum extent permitted by law, the Service Provider disclaims all liability if any information, commentary, analysis, opinions, advice, and/or recommendations prove inaccurate, incomplete, unreliable, or result in losses. Use of Website information is at the User’s own risk.
3. Type and scope of the services
3.1 Services consist of providing Users with an electronic platform for exchanging information and concluding Transactions for Cryptocurrency exchange.
3.2 Proper use of the Website requires a device with Internet access, a supported web browser (e.g., Chrome, Mozilla), and access to JavaScript and cookies.
3.3 The Service Provider may change technical requirements by notifying the User via the email address provided during Account registration. Such changes do not constitute changes to the Regulations.
3.4 Services are provided exclusively for:
natural persons with full legal capacity (over 18 and not incapacitated);
other legal entities with legal capacity under applicable provisions.
3.5 Services are provided for a fee. Current fees and pricing are published on the Website in the “fees” tab. The User will be informed before any action for which a commission is charged. Fees applicable are those in force on the day of the activity. Changes to fees will take into account the User’s right to terminate the Account and withdraw funds free of charge.
3.6 Fees and commissions are charged automatically at the moment of ordering a Transaction from funds dedicated by the User to execute that Transaction.
4. Terms and Conditions of the Service Contract
4.1 To use the Services, the User must set up an Account. The User must, among others:
provide an email address to which they have exclusive access;
create a password meeting Website requirements;
read and accept the Regulations, Privacy Policy, fees table, and other documents if required;
complete other technical steps and provide additional data, including configuration of third-party apps (e.g., Google Authenticator).
4.2 If the Account is created for an entity other than a natural person, the User must be authorised to represent that entity. The User provides their own data, personal data of the management board, and data of actual beneficiaries.
4.3 Technical requirements and required documentation may change and may differ depending on AML / CMF risk assessment.
4.4 The User must provide real, current, and complete data. The User is responsible for consequences of incorrect, outdated, or incomplete data.
4.5 The Service Provider shall refuse registration when:
the User is a citizen/resident/from a country where Services are not provided (per Website information or AML/CMF assessment);
registration is attempted using software preventing determination of the country;
data has been used before to create another Account;
AML risk assessment recommends refusal.
4.6 The Service Contract is concluded upon completion of the Account registration process.
4.7 The Service Contract is concluded for an indefinite period.
4.8 The User accesses the Account by logging in using Login Details.
4.9 The User must prevent third parties from accessing the Account and Login Details. Sharing is prohibited and occurs at the User’s sole risk. In such case, the Service Provider will terminate the Service Contract.
4.10 The User may open and use only one Account.
4.11 After registration, the User may log in but may not:
interact with other Users / conclude Transactions;
deposit or withdraw Fiat Funds or Cryptocurrencies.
4.12 To perform these activities, the User must verify the Account. Verification conditions and scope of Services are published and updated on the Website and may change. Changes to this list shall constitute a change of the Service Contract.
4.13 Verification may require identity/authenticity checks performed by a third party, including video-verification.
4.14 The Service Provider may request additional documents, information, or explanation, and may refuse verification due to insufficient credibility, incomplete data, or AML assessment results.
4.15 Verification duration depends on capabilities of the Service Provider and third parties. The Service Provider does not guarantee timeframes or positive outcomes.
4.16 After a failed verification attempt, the Service Provider may refuse re-verification.
4.17 Ownership of the Account may be changed only with the Service Provider’s consent, for example:
legal transformation of a non-individual customer (e.g., merger);
conversion of a private account into a company account for a sole-owner entity/self-employment.
4.18 In both cases, the User must provide credible documentation confirming the circumstances.
4.19 If the User has not executed any Transactions for 12 consecutive months, the Service Provider may terminate the Contract with 30 days’ notice sent to the User’s email.
5. Terms and Conditions for the provision of services
5.1 The Service Provider does not guarantee any profit.
5.2 The User agrees not to perform actions violating these Regulations, Website guidelines, policies, law, or good morals.
5.3 The User agrees to use the Website solely for personal use, in their own name and on their own behalf.
5.4 The User agrees to act in good faith, notify the Service Provider of errors, and refrain from abusing software errors. Transactions executed in breach may be cancelled/revoked, with no claims by the User.
5.5 The Service Provider may perform AML risk assessments at any time.
5.6 The User must provide information and documents required for AML assessment. Breach may result in refusal/suspension of Transactions and stopping deposits/withdrawals.
5.7 The Service Provider may refuse to process a transaction or freeze deposits/withdrawals in response to authorities or to enforce published limits.
5.8 The Service Provider may refuse or withdraw any purchase/sale/exchange at its discretion even after funds have been deducted, including when:
money laundering / terrorist financing / fraud is suspected;
required by subpoena or order;
the transaction is suspected to result from an error;
the transaction breaches Regulations or other Website terms;
the transaction is made by a resident of an excluded country.
5.9 In such cases, the Service Provider is not obliged to reinstate the Transaction at the same price or terms.
5.10 The Service Provider may monitor, review, retain, or disclose information as necessary to comply with law, including AML/CTF requirements.
5.11 In accordance with the fees table, the Service Provider may charge an Account maintenance fee if no Transactions have been executed for 6 months. The User will be informed by email two weeks in advance. If insufficient funds exist, the Account will be terminated.
5.12 Email change requests must be submitted in writing with handwritten signature and sent by post from the User’s residential area matching the address in the Website records to the Service Provider’s headquarters.
5.13 The User must inform the Service Provider of any data changes within 3 days.
5.14 The Service Provider may periodically re-verify User data and request documents/explanations. Failure may result in freezing Transactions and stopping deposits/withdrawals.
5.15 The User may access and change provided information at any time.
5.16 The User acknowledges and consents that deposited Cryptocurrencies and Fiat Funds are placed in electronic money institutions or payment institutions.
6. Transactions
6.1 A Transaction may be executed only if the User:
has registered and verified the Account (within applicable limits);
is logged in;
has deposited Cryptocurrencies or Fiat Funds as instructed on the Website;
submits an unambiguous instruction;
passes AML risk assessment (no contraindications).
6.2 Instructions must include required parameters (e.g., price and quantity).
6.3 Submitting an instruction blocks the User’s funds in the required amount.
6.4 The Service Provider may set minimum/maximum Transaction amounts. The minimum value is published in the fees table.
6.5 No Transaction (including fees) may exceed available funds.
6.6 Transaction execution is final. The User cannot demand returning or exchanging of assets purchased via the Website.
7. Deposits and withdrawals of cash funds and cryptocurrencies
7.1 The User may order withdrawal of Fiat Funds or Cryptocurrencies available on the Account.
7.2 Timing of withdrawals and receipt depends on the asset type and external systems and is not controlled by the Service Provider.
7.3 Minimum and maximum values for deposits/withdrawals are specified in the fees table and verification tiers.
7.4 Limits may be amended due to verification standards or AML assessment, including individually. Deposits exceeding limits must be withdrawn within the period indicated by the Service Provider; otherwise funds may be kept on the deposit account described below.
7.5 Withdrawals are implemented only after required data is provided and where the purpose/nature/AML assessment raises no doubts.
7.6 Deposits and withdrawals are credited only on working days due to Saint Lucia regulations.
7.7 Withdrawals are made only to accounts belonging to and indicated by the User. Bank account owner details must match the User’s personal data.
7.8 If the User fails to withdraw funds when required, funds may be stored on a negatively interest-bearing deposit account (monthly interest rate: minus 10% of initial deposit value) until withdrawal is ordered. Additional fees may apply per the fees table.
7.9 If Fiat Funds cannot be withdrawn for technical/economic/business reasons, the equivalent may be paid in Bitcoin to the address indicated by the User. Equivalent value is calculated based on prices published on www.blockchain.com on the day the User indicates the address.
7.10 Any Cryptocurrency or Fiat Fund may be delisted due to unforeseen circumstances or the Service Provider’s decision. Delisting does not constitute a change of the Service Contract.
7.11 Delisting of a Fiat Fund occurs only if sustaining it is impossible or not cost-effective.
7.12 Delisting of any Cryptocurrency occurs at the Service Provider’s sole discretion and reasons need not be stated.
7.13 The Service Provider will announce planned delisting at least 14 days in advance. After that, new orders cannot be created and existing orders will be cancelled. Announcement is made by email and on the Website.
7.14 Users must withdraw delisted assets within 1 month from the delisting announcement; otherwise funds will be treated under the deposit rule above.
7.15 Deadlines may be shortened due to extraordinary circumstances beyond the Service Provider’s control (e.g., blockchain damage, risk of bank relationship termination).
7.16 Delisted Cryptocurrency that cannot be withdrawn due to objective technical impossibility (e.g., blockchain liquidation) shall be deleted and the User’s right to claim equivalent is excluded.
7.17 The Service Provider may delist a trading pair without delisting the underlying assets, with 14 days’ advance notice. This does not constitute a change of the Service Contract.
7.18 The Service Provider is not liable for losses related to delisting, deposit storage, or delisting of trading pairs.
8. Service Provider’s rights related to transactions and website operation
8.1 If the Service Provider suspects criminal activity, money laundering, terrorist financing, breaches of Regulations/law/good morals, it may:
terminate the User Account;
refuse or stop execution of a Transaction;
withdraw a Transaction executed;
request additional verification and documents.
8.2 The Service Provider may block Transactions and deposits/withdrawals if:
required by law;
justified by AML assessment;
the User fails to provide required documentation;
the User’s stay/citizenship/residence is in an excluded country list.
8.3 To ensure safety and quality, the Service Provider may:
suspend Website activity for updates/repairs (with advance notice where possible);
discontinue services in certain areas or globally;
exclude certain types of Transactions;
withhold registration of new Users.
8.4 The Service Provider may apply several of the above rights simultaneously.
9. Complaints
9.1 The User may submit a complaint regarding improper operation of the Website, including Transactions.
9.2 Complaints may be submitted by email, via the Website, or in writing to the registered office address.
9.3 Complaints should include:
data enabling identification and contact;
description of the issue;
preferred resolution;
any other relevant information.
9.4 Within 1 working day, the Service Provider will confirm acceptance of the complaint for consideration.
9.5 Complaints are considered based on information provided by the User.
9.6 Complaints will be resolved promptly, no later than within 15 working days from delivery. The Service Provider will propose via email or the Website:
acceptance as requested;
rejection with reasons; or
an alternative resolution.
9.7 If a complaint cannot be resolved within 15 working days, the User will be informed of reasons and expected response time.
9.8 The User has 20 working days to accept or reject the proposal. No reply is deemed withdrawal of the complaint.
9.9 If rejected, the User may provide justification and the procedure continues accordingly. Failure to provide reasons is deemed withdrawal.
9.10 Any alternative resolution offer is binding only if accepted by the User as instructed. No offer constitutes acknowledgment of misconduct. Acceptance constitutes waiver of related claims.
10. Intellectual property
10.1 ALTERNATIVES BROKER SCHWEIZ is a registered trademark.
10.2 All graphics, animations, texts and other content, including Website functionality and layout, are protected by copyright.
10.3 The User may use works only within permitted private use under applicable law.
10.4 Use beyond permitted private use requires prior consent of the Service Provider.
11. Termination of the Service Contract
11.1 The Service Contract may be terminated:
at the User’s request; or
by the Service Provider by notice in cases specified in the Regulations.
11.2 A Consumer may withdraw within 14 days of conclusion by submitting a withdrawal notice. By accepting the Regulations, the User agrees that using Services before expiry of that term is equivalent to expiration of the right of withdrawal.
11.3 The User may terminate with 30 days’ notice. Notice period is calculated from withdrawal of all funds. If impossible to withdraw all funds, notice period is calculated from the last day of the month in which termination notice was provided.
11.4 The Service Provider may terminate with 30 days’ notice sent by email.
11.5 Upon termination, the User must withdraw all funds. If not done within 10 days, the Service Provider may return funds according to the Regulations.
11.6 Upon User request, the Service Provider will delete personal data, except data required to be retained by law. A request to delete personal data is equivalent to termination by the User.
11.7 Withdrawal of funds after termination notice is free of charge, regardless of fees.
11.8 After termination notice, the User can no longer make deposits.
11.9 If termination occurs due to changes of Regulations, previous Regulations apply until end of notice period, subject to stated deadlines.
12. Exclusion of liability
12.1 The Service Provider shall not be liable for:
losses from effectively implemented Transactions;
loss or sharing of Login Details by the User;
incorrect data entry for deposits/withdrawals;
events beyond control (software errors, internet interruptions, power cuts, hacking attacks, etc.);
deletion of data from systems beyond the Service Provider’s control.
12.2 In disputes between Users, the User indemnifies the Service Provider and its providers against all claims.
12.3 The User indemnifies the Service Provider and its providers for claims, damages, and costs (including legal costs, fines, penalties) resulting from violations of Regulations or third-party rights.
12.4 Liability is limited and shall not exceed amounts deposited or Transaction value at the time of deposit/execution.
12.5 Liability is limited to Transaction value; liability for lost profits is excluded; other damages are limited to funds provided for the Transaction, regardless of legal basis.
12.6 By example, if improper execution is alleged, total damage is limited to funds provided and lost profits/opportunities cannot be recovered, subject to applicable law.
12.7 No assurances are made that access will be uninterrupted, timely, or error-free. All implied guarantees are excluded to the maximum extent permitted by law.
12.8 No guarantees are given as to accuracy/completeness of historical price data.
12.9 The Service Provider will attempt to process bank/card Transactions without undue delay but gives no guarantees regarding processing time.
12.10 The Service Provider is not liable for force majeure events beyond reasonable control (including embargoes, restrictions, riots, wars, terror, unrest, hacking/DDoS, fires, floods, vandalism, sabotage).
12.11 The Service Provider takes security measures described in the Security Policy, which the User has read and accepts as sufficient.
13. Personal data and Privacy Policy
13.1 Rules of personal data processing and Cookies are set out in the Privacy Policy published on the Website.
14. Changes to the Regulations and other binding provisions
14.1 Regulations and related provisions (including fees tables) may change. Changes enter into force 7 days after publication on the Website or email notification, unless a longer period is stated.
14.2 The User may refuse new provisions within 14 days from publication and no later than 7 days from entry into force. Refusal is equivalent to termination of the Service Contract.
14.3 Failure to refuse is deemed consent to changed provisions.
14.4 Transactions ordered before changes take effect are implemented under the wording in force on the day of ordering.
15. Final provisions
15.1 Services are provided in Saint Lucia and subject to applicable law therein.
15.2 In disputes between the Service Provider and a User who is not an EU resident or who is not a Consumer, the court competent is the court having jurisdiction over the registered office of the Service Provider.
15.3 If any provision is found unlawful, remaining provisions remain valid and effective.
15.4 Translations are provided for Users; in case of discrepancies, the English version prevails.
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