1. Provider and scope
The app is provided by Sam White Ltd., 19, St. Mark Street, Valletta VLT 1362, Malta ("we"). The app is a technical interface through which you can use accounts, cards and crypto wallets provided by our regulated partner: Striga Technology OÜ, registered in Estonia, licensed as a Virtual Asset Service Provider (FVT000439); payment accounts and cards are issued by its regulated banking and card partners.
We do not ourselves provide payment, e-money or crypto custody services and never hold customer funds.
2. Registration and eligibility
You must be at least 18 years old, have full legal capacity and reside in a country supported by the partner. You may hold only one account and must provide truthful information.
Opening an account, card and wallets requires successful identity verification by the partner. The partner may refuse to open an account without giving reasons.
3. Contract with the partner
By completing onboarding you accept the partner terms shown to you separately. For payments, cards, custody and exchange of crypto-assets, fees, limits and complaints, those partner terms take precedence.
4. Your obligations
Keep your credentials secret, use a strong password and report any suspected misuse immediately. You are liable for actions taken with your credentials to the extent you are responsible for them.
The app must not be used for unlawful purposes, in particular money laundering, terrorist financing, fraud or the circumvention of sanctions.
5. Crypto-assets
Crypto-assets are subject to significant price fluctuations and may lose value. Exchange rates shown in the app are indicative values from the partner; the rate confirmed at the time of execution is binding. Blockchain transactions are irreversible.
6. Fees
Using the app is free of charge. Fees for payments, cards or the exchange of crypto-assets are charged by the partner according to its current price list, which is shown to you before execution.
7. Availability and changes
We aim for high availability but do not owe uninterrupted availability. Maintenance, partner outages or force majeure may temporarily restrict use. We may develop, change or discontinue features.
8. Liability
We are liable without limitation for intent, gross negligence and injury to life, body or health. For slightly negligent breaches of essential contractual obligations our liability is limited to the typical, foreseeable damage. Otherwise liability is excluded. We are not liable for the partner’s services.
9. Term and termination
You may terminate your app account at any time. We may terminate with two months’ notice, or without notice for good cause. Termination of the contract with the partner is governed by its terms; any balance is paid out in accordance with the partner terms.
10. Final provisions
The law of the country in which Sam White Ltd. has its registered office applies, excluding the UN Sales Convention; mandatory consumer protection rules of your country of residence remain unaffected. If any provision is invalid, the remainder of the contract remains in force.