Legal Premiere card with crypto wallet

THESE FINANCE LEGAL AGREEMENT CONSTITUTE A BINDING AGREEMENT BETWEEN YOU AND STATE OF CARD™

Legal Agreements and information

Terms of Use – North Star SWISS (“NSS”), also operating under the product name, “State Of Cards”

Last updated 18 Mars 2023

By using this website (“Site”), registering for a NSS Account (“Account”) or using any other NSS 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 NSS Services. “State Of Cards” is a trade name of North Star Swiss SA. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

As used in these Terms of Use, “NSS” refers to the company NORTH STAR SWISS SA, registered with the Swiss Companies Register under company number CHE-100.090.759, with its registered address at Chemin de la Chesnale 8, 8002 Geneve, Switzerland. NSS is not a bank and, as such, is not part of a depositor protection scheme. References to NSS are also references to its owners, directors, investors, employees.

All customer funds are held by licensed banks. When you withdraw Quantum funds, the funds will be coming from a bank account in the name of Bitnuk AG, the liquidity provider for Quantum Coins, Bitcoin and other cryptocurrencies. Please read our terms of use in their entirety before using our Platform. NSS allows buyers (“Buyers”) and sellers (“Sellers”) to use its Payment Institution capabilities to buy and sell cryptocurrecies such as Quantum Coin or Bitcoins through Bitnuk.

The Service operated by NSS allows all customers of the Service (“Members”) to: buy and sell Quantum Coin or Bitcoin or other cryptocurrencies (herein “Bitcoin” or “cryptocurrency”). transfer cryptocurrency and fiat currency to other Members and to non-members who must become Members prior to withdrawing such cryptocurrency or fiat money. Exchange FIAT for various currencies. Open IBAN bank accounts. Order Mastercard prepaid debit cards. Trade precious metals including gold, silver and platinum. 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, NSS grants you the personal, non-exclusive, non-transferable, non-sublicensable, and limited right to enter and use the Site and the Service.

By registering for an Account, you expressly represent and warrant: That you have accepted these Terms of Use; and That you are at least 18 years of age and have the full capacity to accept these Terms of Use and enter into a transaction involving cryptocurrencies.

Top-Up

When you add funds to your account (otherwise known as the “top up” function), either by credit card or wire transfer or by any other means, you are digitising your assets by purchasing a digital currency called “Quantum Coin” (“Quantum”) or Bitcoin, as selected (collectively herein, the “Coins”). When you add funds by wire transfer or credit card, an automated process routes the order to our service provider Bitnuk AG where the Coins are purchased. After purchase, your Coins are held in a secure wallet operated by Bitnuk and, for Quantum, held in a wallet is developed by Quantum Clearance with the value reflected in the “Quantum Assets” wallet.

Conversely, when you wish to withdraw from your Quantum Assets’ section to your external bank account, or to your internal IBAN or State Of Cards prepaid debit card, etc., an automated process routes the order to Bitnuk, where the Quantum Coins are sold and the Fiat is transferred to the relevant account. Quantum can be used similar to fiat currency to top up your State Of Cards prepaid debit card, to purchase other cryptocurrencies, or to send money to other users and for all other functions available in the Platform. When you wish to withdraw your Quantum Assets, to your external bank account, a sell order is automatically routed to Bitnuk where the Quantum is sold and the proceeds sent to your bank via wire transfer. These functions are all carried out in an automated, seamless and virtually instantaneous process. All withdrawals will be sent to your bank account from Bitnuk.

Quantum Coins

Unlike most currencies that are backed by governments, other legal entities, or commodities such as gold or silver, Quantum Coins are a unique type of 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 Quantum Coin in a crisis. Moreover, there is no guarantee that Bitnuk or any other cryptocurrency liquidity provider will purchase your Quantum Coins when you wish to sell them, or that they will maintain their value in relation to any fiat currency. See “Risk Warning” below, with more information on the risks of trading cryptocurrencies like Quantum Coin.

Risk Warning

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, cryptocurrecies are an as-yet autonomous and largely unregulated global system of firms and individuals. Traders put their trust in a digital, decentralised, and partially anonymous system that relies on peer-to-peer networking and cryptography to maintain its integrity.

The trading of cryptocurrecies is often susceptible to irrational bubbles or loss of confidence, which could collapse demand relative to supply. For example, confidence might collapse in cryptocurrecies 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 cryptocurrecies. 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 cryptocurrecies.

Limited Right of Use

Unless otherwise specified, all Materials on this Site are the property of NSS 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 NSS, including but not limited to “NORTH STAR SWISS ” and others used in this Site (“Trademarks”) are the property of NSS and their respective owners. The software, text, images, graphics, data, prices, trades, charts, graphs, video, and audio used on this Site belongs to NSS. 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 unauthorised use may violate copyright, trademark, and other applicable laws, and could result in criminal or civil penalties.

Maintaining Your Account: Our Rules

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 NSS 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 unauthorised access.

The creation or use of Accounts without obtaining prior express permission from NSS 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 NSS 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. Cryptocurrency transactions 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 NSS immediately of any unauthorised use of your Account or password, or any other breach of security, by email to compliance@northstarswiss.ch The account of any Member who violates these rules may be terminated and the Member held liable for losses incurred by NSS 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. The minimum allowable buy or sell is EUR 5.

FEES

Our fees charged can be found on each respective function page.

VERIFICATION OF ACCOUNTS

The creation and use of your Account is subject to verifications, as required by statutory and regulatory obligations incumbent on NSS. 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. NSS utilises and thus shares information with a third-party AML verification tool in addition to its internal identification screening procedures.

For IBAN Opening

By using the Platform, you agree to the Verifo General Service Agreement and the Verifo Privacy Policy.

Termination

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.

Availability of Services

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 endeavours 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.

APIs and Widgets

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.

External Websites

NSS makes no representations whatsoever about any external or third-party website you may access through the Site. Occasionally, the NSS 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 NSS website, operating as NORTH STAR SWISS 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.

Financial Advice

NORTH STAR SWISS does NOT provide any investment advice in connection with the Services described in these Terms of Use. We may provide information on the price, range, and volatility of cryptocurrecies that are available on our platform and events that have affected the price of such cryptocurrecies, but this must not be considered investment advice nor should it be construed as such. Any decision to purchase or sell cryptocurrecies or other commodities or currencies available on this website is solely your decision and we shall not be liable for any loss suffered.

Financial Regulation

xxxx

Data protection

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.

Disclosures to Legal Authorities and Authorized Financial Institutions

We may share your Personal Data with law enforcement, data protection authorities, government officials, and other authorities when:

Required by law;

Compelled by subpoena, court order, or other legal procedure;
We believe that disclosure is necessary to prevent damage or financial loss;
Disclosure is necessary to report suspected illegal activity; or
Disclosure is necessary to investigate violations of our Terms of Use or Privacy Policy.

For further information on how we process your Personal Data, please refer to the Privacy Policy.

Unclaimed Property

If we hold cash or crytocurrency, and we are unable to contact you and have no record of your use of the NSS Services for several years, applicable law may require us to report the cash or crytocurrency as unclaimed property to the authorities in certain jurisdictions. We will try to locate you at the address shown in our records, but if we are unable to, we may be required to deliver any such cash or crytocurrency to the authorities in certain jurisdictions as unclaimed property. We reserve the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

Jurisdiction/Governing Law

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 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.

Limitation of Liability

To the extent permitted by law, NSS 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 negligence or wilful 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 NSS endeavours 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.

Subject to the foregoing, the aggregate liability for claims against NSS 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).

Legal Disclaimer

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.

NSS 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.

Indemnity

To the full extent permitted by applicable law, you hereby agree to indemnify NSS 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 North Star swiss’s Sites, your use of the Service, or your violation of these Terms of Use.

Miscellaneous

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.

Modification of Terms

NSS 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.

Definitions

Account. The contractual arrangement wherein a NSS Member has accepted our Terms of Use and Privacy Policy, and received approval to use NSS Services, including the purchase and sale of cryptocurrecies, and to perform associated Transactions.

Bitcoins. The Peer-to-Peer Internet digital currency further described at Bitcoin.org.
Cryptocurrecies. All digital currencies, including but not limited to Bitcoin.
Buyer(s). Member(s) that are submitting an offer to buy cryptocurrency through the Service.
Commission or Fee. Refers to the fee which is payable to NSS on each Transaction, such as a buy or sell of cryptocurrency. You can review our Fees on our Fees page.
Member(s). Refers to Buyers and Sellers as well as any holder of an Account.

Personal Data. 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.

Price. The “price per coin” for which Members are willing to purchase or sell cryptocurrecies, 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.

NSS may not offer currencies other than Euros at this time.
Seller(s). Member(s) that submit an offer to sell cryptocurrecies through the Service.
Service(s). The technological platform, functional rules, and market managed by NSS. to permit Sellers and Buyers to purchase and sell cryptocurrecies.
Transaction. Includes the following:
The action between the Member to Buy and/or Sell cryptocurrencies through the Service for currencies at the then-current market rate.
The transfer of cryptocurrencies between Members (“Transfer Transaction”);
The transfer of currencies among Members (“Currency Transfer Transaction”); and
NSS may not offer all these transaction types at this time.
NSS may not offer all these transaction types at this time.
Transaction Price. The total price paid by the Buyer for each Transaction performed through the Service.

Consent to Use of Cookies

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.

Changes

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.

Email

Unencrypted email messages sent over the Internet are not secure and NSS 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 NSS 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 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. NSS will never contact you from an email account that does not end with @northstarswiss.ch. If anyone, including a person that you know to be associated with NSS ever contacts you via email with an address that does not end with @northstarswiss.ch, please notify our compliance department at compliance@northstarswiss.ch immediately.

Contact Us

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 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” above.

Privacy Notice

This Comprehensive Privacy Notice, together with our Terms of Use governs our collection, processing and use of your Personal Data. As used in this Privacy Policy, “NSS”, “we”, “us” or “our” refers to NORTH STAR SWISS SA, registered with the Swiss Companies Register under company number CHE-100.090.759 with its registered address at Chemin de la Chesnale 8, 8002 Geneve, Switzerland.

References to “you” or “your” in this privacy notice are to the individual who is accessing or applying to use the NSS Services (as defined below) either on your own account or on behalf of a business. This includes, in relation to a customer or prospective customer of NSS, any sole trader and any principals, including the managing and financial directors, any other directors and officers, shareholders, partners and beneficial owners of a customer, as well as any member of staff accessing or using the NSS Services on behalf of a customer.

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 website/portal features and services provided to you when you visit the NSS website your use of software including terminals, mobile and desktop applications provided by NSS; and email, other electronic messages including SMS, telephone, web chat, website/portal and other communications between you and NSS. Together these are all referred to in this notice as “NSS Services”.

Please read the following carefully to understand our views and practices regarding your Personal Data and how we will treat it.

NSS is the data controller under this Privacy Policy, which sets out the manner in which NSS, as data controller, may use your Personal Data. “DPL” herein means data protection law applicable to NSS, including the Swiss Data Protection Act and the EU General Data Protection Regulation 2016/679, their successors or implementing texts. Personal Data” has the meaning set forth in DPL. This notice covers our use of your Personal Data arising from use of the NSS website (www.gtinet.ch) as well as registering / subscribing / buying / selling / using our products and services. If you have any questions or need any further clarity please get in touch. Contact details are set out below in the Contact Us section. In this Privacy Policy capitalised terms have the meaning set out in the Definitions section below.

NSS is committed to protecting and respecting your privacy. The purpose of this Privacy Policy is to describe:
The types of Personal Data we collect and how it may be used;
Our use of cookies and similar technology;
How and why we may disclose your Personal Data to third parties;
The transfer of your Personal Data within and outside of Switzerland and the European Economic Area (“EEA”);
Your statutory rights concerning your Personal Data;
The security measures we use to protect and prevent the loss, misuse, or alteration of Personal Data; and
Retention of your Personal Data by NSS.

Collection and use of personal information

A. Personal Information We Collected

We collect Personal Data to provide you with our Services. When we require certain personal information from users it is because we are required by law to collect this information or it is relevant for specified purposes. Any information you provide to us that is not required is voluntary. You are free to choose whether to provide us with the types of personal information requested, but we may not be able to serve you as effectively or offer you all of our Services when you do choose not to share certain information with us.

For example, we collect personal information which is required under the law to register for an account, add a payment method, or execute a transaction. We also collect personal information when you use or request information about our Services, subscribe to marketing communications, request support, complete surveys or sign up for a NSS event. We may also collect personal information from you offline, such as when you attend one of our events, or when you contact customer support. We may use this information in combination with other information we collect about you as set forth in this Privacy Policy. This may include:

Personal Identification Information: Full name, date of birth, age, nationality, gender, signature, utility bills, photographs, phone number, home address, and/or email.
Account information, such as username, password, account settings and preferences;
Financial information, such as bank account numbers, bank statement, and trading information;
Formal Identification Information used for identity verification: Tax ID number, passport number, driver’s license details, national identity card details, photograph identification cards, and/or visa information.
Residence verification information, such as utility bill details or similar information;
Information regarding the way in which you use our services, such as when you used our services and the specific services used; and
Information relating to communications with us, whether through the NSS website or via e-mail, over the phone or via any other medium.
Employment Information: Office location, job title, and/or description of role.
Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp.
Online Identifiers: Geo location/tracking details, browser fingerprint, OS, browser name and version, and/or personal IP addresses.

Usage Data: Survey responses, information provided to our support team, public social networking posts, authentication data, security questions, user ID, click-stream data and other data collected via cookies and similar technologies. Please read our Cookie Statement for more information.

Any other information that you or your customer provide to us. We also automatically collect certain computer, device and browsing information when you access the NSS website or use NSS Services. This information is aggregated to provide statistical data about our users’ browsing actions and patterns, and does not personally identify individuals. This information may include:

Computer or mobile device information, including IP address, operating system, network system, browser type and settings. This information may be directly obtained by NSS or through third party services such as Google Analytics and other tracking tools. This service usage data helps us our systems to ensure that our interface is accessible for users across all platforms and can aid during criminal investigations;

Website usage information.

We also collect information through our applications. if you download or use mobile or desk top applications provided by NSS, we may receive information about your location and your device or the service you are using (including where a payment transaction takes place). Some devices allow applications to access real-time location-based information (for example GPS). Our mobile and desktop apps may collect such information from your mobile device or your computer at any time while you download or use our apps, if your device has real-time location data access enabled. Where required, we will always seek to notify you if it is our intent to collect real-time location information and, also where required by law, obtain your consent. We may use such information for regulatory purposes, our own due diligence checks, to better understand transaction patterns and to optimise your experience.

We may receive information about you from other sources and add it to our account information. For example, we work closely with, and receive information from, third parties like business partners, financial institutions, merchants, subcontractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference and fraud prevention agencies. Credit reference and fraud prevention agency use is further explained below. We may also review public comments and opinions made on social networking sites (e.g. Facebook and Twitter) to better understand our customers and our provision and development of the NSS Services.

Finally, we may collect Personal Data from third party partners and public sources, which include:

Reputational information;
Financial information;
Business activities of corporate customers.

We need to collect certain types of information for compliance with legal requirements relating to our anti-fraud/anti-money laundering/counter financing of terrorism/know your customer obligations. If this information is not provided we will not be able to provide a service for you. Your Personal Data may also be processed if it is necessary on reasonable request by a law enforcement or regulatory authority, body or agency or in the defense of legal claims. We will not delete Personal Data if relevant to an investigation or a dispute. It will continue to be stored until those issues are fully resolved. We may perform behavioral tracking of a customer’s activities on our NSS website or across different websites, or allow third-party data collection through our NSS Service.

It is important to note that the Personal Data we collect on you when you create an account will be retained for the mandatory retention period set forth by applicable law and as necessary for us to maintain an exhaustive documentation of our operations as required from us as regulated financial sector professionals, even if your account has not been successfully activated (e.g., if account verification has not been completed) or no transaction has been made using it.

Our privacy notice has incorporated elements from the General Data Protection Regulation (GDPR) as we act in accordance to its personal information processing rules within the European Economic Area (EEA). For individuals who reside in the European Economic Area, (including Switzerland (collectively “EEA Residents”), pursuant to Article 6 of the EU General Data Protection Regulation (GDPR) or any equivalent legislation (collectively “EEA Data Protection Law”), we process this personal information to comply with our legal obligations.

B. Use of Cookies and Similar Technology

NSS receives and stores certain information automatically whenever you interact with NSS. The NSS website uses cookies. Cookies are small text files that are placed on your computer by websites that you visit, including NSS. 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.

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:

Technical information, including the Internet protocol (IP) address used to connect your computer or device to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system platform;

Information about your visit or whether you opened an email, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products or services you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks and mouse-overs) and methods used to browse away from the site page and any phone number used to call our customer service number.

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.

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 NSS Account or making transactions. Your use of our website or service with a browser that is configure to accept cookies constitutes an acceptance of our and third-party cookies.

For more information about cookies, the types of cookies we use and how we use them please see our Cookie Statement

C. How We Use Your Personal Information

We collect and use your information for a variety of reasons. We need some information to enter into and perform our contract – for example your contact and payment details. Some information processing is required by law due to our anti-fraud screening obligations or in the public interest such as making sure we verify our customers’ identities.

Some information is processed because you’ve given your consent to that, which can be withdrawn in your account preferences and settings. Other information we collect and use because we have legitimate business interests to so, having taken into account your rights, interests and freedoms.

We may use your Personal Information to:

Create and administer your NSS account and generally for accounting, billing, maintenance of legal documentation and claim and dispute management. Related processing operations are necessary for the performance of a contract with you (or to take steps at your request prior to entering into a contract), and for compliance with legal obligations to which we are subject;

Process your NSS transactions. Related processing operations are necessary for the performance of a contract with you and for compliance with legal obligations to which we are subject;

Verify your identity in accordance with applicable know-your-customer, money laundering and other financial sector legislation or regulations, including as required for compliance with the NORTH STAR SWISS Anti Money Laundering (“AML”)/Counter Terrorist Financing (“CTF”) Policy, as well as address other law enforcement needs as more fully described in our Terms of Use , and generally as required for compliance with legislation and regulations applicable to NSS. NSS utilises and thus shares information with a third-party AML verification tool in addition to its internal identification screening procedures.

Personalise your NSS Services experience. Related processing operations are necessary for purposes of our legitimate interests (that is, improving our services)

Analyse NSS website usage, and improve our website and website offerings. Related processing operations are necessary for purposes of our legitimate interests (that is, improving and promoting our services);

Help us respond to your customer service requests and support needs. Related processing operations are necessary for the performance of a contract with you, and for purposes of our legitimate interests (that is, improving our services and offering you the best experience);

Contact you about NSS Services. The email address you provide may be used to communicate information and updates related to your use of the NSS Services.

Automated Decisions Making

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. We may make automated decisions on certain matters. For example, we may do this to decide whether we can provide our services to you based on a credit check/risk profiling. Depending on the outcome of the credit check/risk profiling, a decision will be reached automatically as to whether we are able to provide products or services to you based on your credit worthiness.

If you disagree with the decision you are entitled to contest this by contacting us at following email address: info@northstarswiss.ch

D. Marketing

We may also occasionally communicate company news, updates, promotions and related information relating to similar products and services provided by NSS. We may also administer a contest, promotion, survey or other site features as will be more explained on the website. We shall only do this where you have given us your consent or otherwise where we are permitted to do so under the DPL in pursuit of our legitimate interests (that is, promoting our services).

We may share Personal Data with third parties to help us with our marketing and promotional projects, or sending marketing communications.

If you want to opt out of receiving promotional and marketing emails, text messages, post and other forms of communications from us (or our promotional partners) in relation to which you might receive in accordance with this section, you can best opt out by using one of the following ways:

Log into your account and update your profile.
Click “unsubscribe” at the bottom of an email we sent you.
contact us at info@northstarswiss.ch to opt-out.

If you do opt out of receiving promotional and marketing messages, we can still contact you regarding our business relationship with you, such as account status and activity updates, survey requests in respect of products and services we have provided to you after you reserve from us, reservation confirmations or respond to your inquiries or complaints, and similar communications.

DISCLOSING AND TRANSFERRING PERSONAL DATA

We may disclose your Personal Data to third parties and legal and regulatory authorities, and transfer your Personal Data outside Switzerland and the EEA, as described below.

A. Disclosures to Third Parties

There are certain circumstances where we may transfer your Personal Data to employees, contractors and to other parties. We may share information about you with other members of our group of companies so we can provide the best service across our group. They are bound to keep your information in accordance with this Privacy Policy;

We may also share your information with certain contractors or service providers. They may process your Personal Data for us, for example, if we use a marketing agency. Other recipients/service providers include advertising agencies, IT specialists, database providers, backup and disaster recovery specialists, email providers or outsourced call centres. Our suppliers and service providers will be required to meet our standards on processing information and security. The information we provide them, including your information, will only be provided in connection with the performance of their function;

We may also share your information with certain other third parties. We will do this either when we receive your consent or because we need them to see your information to provide products or services to you. These include credit reference agencies, anti-fraud databases, screening agencies and other partners we do business with.

We may share your information to improve and develop our business, including without limitation to optimise our websites/portals, products and services. This may include using information you insert into forms but do not submit to us, for example by using that information to optimise our website(s) and contacting you for customer services purposes in relation to that form. We can also use your personal information to develop and test new products and services.

Your Personal Data may be transferred to other third party organisations in certain scenarios:

If we’re discussing selling or transferring part or all of our business – the information may be transferred to prospective purchasers under suitable terms as to confidentiality;
If we are reorganised or sold, information may be transferred to a buyer who can continue to provide services to you;
If we’re required to by law, or under any regulatory code or practice we follow, or if we are asked by any public or regulatory authority – for example the Police;
If we are defending a legal claim your information may be transferred as required in connection with defending such claim.
To comply with local and national laws;

To send marketing messages, to provide you with the information on products and services you have requested or we think may be of interest to you; to obtain your views on our goods, services and our website(s); in respect of marketing, market research and similar activities, we may use your personal information for such purposes whether or not you are accepted as or continue to receive NSS Services. If you no longer wish to receive marketing or promotional information from NSS, you can always stop it;

To manage and mitigate our credit risks. if you apply for one of our financial products we will assess your financial position (and / or of your business), to the extent this is provided for in the applicable Terms of Use. This credit check will also affect any linked parties such as directors, shareholders and principals. We can do so by receiving and sharing information from and with credit reference agencies and fraud prevention agencies. This credit check will affect also anyone with whom you have a joint account or similar financial association. If it is a joint application, and such link does not already exist, then one may be created. These links will remain until you file a “notice of disassociation” at the credit reference agencies. For your information, the agencies will record our enquiries which may be seen by other companies who make their own credit enquiries; and a “footprint” may be placed on your credit file, whether or not you are accepted as our customer. If you are a director, we will seek confirmation from credit reference agencies that the residential address that you provide is the same as that held by the relevant companies’ registry (where applicable). In addition, where you take services from us, we will give information on how you manage your accounts to the credit reference agencies. If you do not repay any monies in full and on time, credit reference agencies will record the outstanding debt and may share this information with other organization that perform checks similar to ours. Records remain on file at such agencies for 6 years after they are closed, whether settled by you or defaulted. If you would like further information on our use of credit reference agencies, please Contact Us;

To prevent, detect and prosecute fraud or crime, NSS may participate in anti-fraud initiatives, which involve assessing you (and/or your customers) and monitoring your transactions and/or locations, to detect patterns requiring investigations or otherwise profile and assess the likelihood of fraud occurring. We can do so utilizing products and services from third parties. Besides, if you give us false or inaccurate information about you, or we identify or suspect a fraud or a crime, we may pass your information to fraud prevention agencies and to law enforcement agencies, and we may decide to take legal action against you;

To prevent or mitigate information security risk; To manage and enforce our rights, terms of use or any other contracts with you (and/or your business), including to manage any circumstances where transactions, rewards or points are disputed; manage, investigate and resolve complaints; or recover debt or in relation to your insolvency; 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. Your information will not be sold, exchanged, or shared with any third parties without your consent, except to provide NSS Services or as required by law.

The third-party service providers of NSS 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.

Specifically, Your Personal Data may be transferred to the following third party organisations in certain scenarios:

GlobalPass analyses ID documents, and other AML-KYC related documents and information to assist us in satisfying our KYC obligations. Globalpass processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how GlobalPass processes data.

When you hold, buy, sell or transfer cryptocurrency through the Platform, your Personal Data is shared with Bitnuk AG. Bitnuk AG processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how Bitnuk processes data.

When you hold, buy, sell or transfer cryptocurrency through the Platform, your Personal Data is shared with Bank Frick. Bank Frick processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how Bank Frick processes data.

When you apply for a debit card through the Platform, Your Personal Data is shared with UAB Creditco for the approval process. UAB Creditco is an official Lithuanian representative of Wirecard Card Solutions Limited. UAB Creditco processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how UAB Creditco processes data.

When you apply for an IBAN/bank account through the Platform, Your Personal KYC Data is shared with the relevant bank/service provider, depending on which jurisdiction/bank you choose for the approval process. The banks/service providers we work with process and store your data as follows: UAB Verified Payments (Lithuania) processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how UAB Verified Payments processes data.

Bank Frick (Liechtenstein) processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how Bank Frick processes data.

PayrNet is a wholly owned subsidiary of Railsbank Technology Limited (United Kingdom). Railsbank processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how Railsbank processes data.

Onpex S.A. (Luxembourg) processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how Onpex processes data.

UAB Phonix Payments (Lithuania), which operates the Ibanera payment platform, processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how UAB Phonix Payments processes data.

LHV Bank (Estonia) processes and stores data in ISO 27001-certified datacentres worldwide. Learn more about how LHV Bank processes data.

B. Disclosures to Legal Authorities

NSS 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:

Compelled by court order, or other legal procedure.
Disclosure is necessary to report suspected illegal activity.
Disclosure is necessary to investigate violations of this Privacy Policy or our Terms of Use.

C. International Transfers of Personal Data

We store and process your Personal Data in data centers around the world, wherever NSS 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 HYPERLINK “https://www.aki.ee/en”ses that are located outside the EU do not benefit from an adequacy decision issued by the EU Commission regarding protection afforded to Personal Data in that country. Details of these specific countries can be found here: 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.

YOUR STATUTORY RIGHTS

You have many rights concerning your Personal Data under DPL as mentioned below, and can exercise them by emailing us at info@northstarswiss.ch

Access: you are entitled to ask us if we are processing your information and, if we are, you can request access to your Personal Data. This enables you to receive a copy of the Personal Data we hold about you and certain other information about it to check that we are lawfully processing it. We process a large quantity of information, and can thus request, in accordance with the DPL, that before the information is delivered, you specify the information or processing activities to which your request relates.

Correction: you are entitled to request that any incomplete or inaccurate Personal Data we hold about you is corrected. Erasure: you are entitled to ask us to delete or remove Personal Data in certain circumstances. There are also certain exceptions where we may refuse a request for erasure, for example, where the Personal Data is required for compliance with law or in connection with claims.

Restriction: you are entitled to ask us to suspend the processing of certain of your Personal Data about you, for example if you want us to establish its accuracy or the reason for processing it. Transfer: you may request the transfer of certain of your Personal Data to another party. Objection: where we are processing your Personal Data based on a legitimate interests (or those of a third party) you may challenge this. However we may be entitled to continue processing your information based on our legitimate interests or where this is relevant to legal claims. You also have the right to object where we are processing your Personal Data for direct marketing purposes. Automated decisions: you may contest any automated decision made about you where this has a legal or similar significant effect and ask for it to be reconsidered.

Please consider that, depending on the country from where you use the NSS Services, not all the above rights may be available to you. Also, there might be cases where these rights cannot be enforced: for example, you cannot object to us using your information when it is required by the law, or to manage a complaint; similarly you cannot ask us to delete your information if you want to continue using the NSS Services.

SECURITY OF PERSONAL DATA

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:

Password protected directories and databases;
Secure Sockets Layered (SSL) technology to ensure that your information is fully encrypted and sent across the Internet securely;
PCI Scanning to actively protect our servers from hackers and other vulnerabilities.

All financially sensitive and/or credit information is transmitted via SSL technology and encrypted in our database. Only authorised NSS 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.

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 NSS. 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.

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. 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.

RETENTION OF PERSONAL DATA

We retain Personal Data for as long as necessary to fulfill purposes described in this Privacy Policy, subject to our own legal and regulatory obligations. The criteria we may use to determine the retention period for certain categories of data includes:

How long you have been a NSS member;
Whether there are contractual or legal obligations that exist that require us to retain the data for a certain period of time;
Whether there is any ongoing legal or financial claim that relates to your relationship with us;
Whether any applicable law, statute, or regulation allows for a specific retention period; and
What the expectation for retention was at the time the data was provided to us.

While you use the NSS Services, we will retain your personal information as long as necessary to provide you with the services of your choice. That would generally mean we retain your personal information as long as you are our customer and for a period of time afterwards. When our relationship with you ends, we still need to retain certain of your personal information for a time that depends on the legal and regulatory requirements of the country where you are located. For example, we will retain your information for the time allowed by the local laws to start a legal claim (so called “statute of limitation”), or for as long as we are ordered pursuant to on an order from the courts, or by law enforcement agencies or our regulators. In accordance with our record keeping obligations, we will retain Account and other Personal Data for at least five years (and some up to ten years, as required by applicable law) after an Account is closed.

UPDATES TO THIS PRIVACY POLICY

This Privacy Policy was last revised effective as of the notice at the beginning of this policy page. We may change this Privacy Policy from time to time, so it is advisable to review it frequently. Changes to this Privacy Policy will be announced on our website or through similar means for a reasonable length of time prior to and following the change taking effect.

Definitions

Account. The contractual arrangement wherein a NSS member has accepted our Terms of Use and Privacy Policy , and received approval to use the NSS Services, including the purchase and sale of Bitcoins and to perform associated Transactions;

NSS Platform. Hardware and software technologies used by NSS to provide the NSS Service as set out in our Terms of Use;

DPL means data protection law applicable to NSS, including the Swiss Data Protection Act and the EU General Data Protection Regulation 2016/679, their successors or implementing texts as well as equivalent legislation, which is applied to the processing of Personal Data by NSS. Personal Data. 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). The technological platform, functional rules and market managed by GUP to permit Sellers and Buyers to perform purchase and sale transactions of Bitcoins and/or other Cryptocurrencies.

Transaction. Includes the following:
The action between the Member to Buy and/or Sell cryptocurrencies through the Service for currencies at the market rate.
The transfer of cryptocurrencies between Members (“Transfer Transaction”);
The transfer of currencies among Members (“Currency Transfer Transaction”); and
NSS may not offer all these transaction types at this time.

Global Notice

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.

Contact Us

If you have questions or concerns regarding this Privacy Policy, or if you have a complaint, please Contact Us via the contact form on the Contact Us page of our website, or by writing to us at the following address:

NORTH STAR SWISS SA

Att: Data Protection Officer

Chemin de la Chesnale 8,

8002 Geneve, Switzerland

You may also contact us at: +46 (0)18 4444800

Complaints

You can also complain about our processing of your personal information to the relevant data protection authority. 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 processing by federal bodies and private persons, including enterprises. As far as data processing in Europe, the competent body is the European Data protection Supervisor. As far as data processing by cantonal or communal authorities is concerned, the supervision is up to the cantonal and communal data protection commissioners. You can find all contact information here.

Trademark

The following names and designations are trademarks of NORTH STAR SWISS SA: State Of Cards

These names and trademarks, as well as all other trademarks and protected rights mentioned on this website are subject unreservedly to the applicable trademark law in each case and are not permitted to be used without the express permission of the registered owner. The simple fact that the website mentions them does not imply that trademarks are not protected by the rights of third parties.

Copyright Infringement Notification

To file a copyright infringement notification with us, you will need to send a written communication that includes substantially the following (please consult your legal counsel or see Section 512(c)(3) of the Digital Millennium Copyright Act to confirm these requirements):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online website are covered by a single notification, a representative list of such works at that website.

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material. Providing URLs in the body of an email is the best way to help us locate content quickly.

Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.

A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.

A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please note that under Section 512(f) any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability for damages. Do not make false claims!

Please also note that the information provided in this legal notice may be forwarded to the person who provided the allegedly infringing content.

Claimant information will be published on the Ubeea.com website in place of disabled content.

Counter-Notification

Please note that under Section 512(f) of the Copyright Act, any person who knowingly materially misrepresents that material or activity was removed or disabled by mistake or misidentification may be subject to liability. Please also be advised that we enforce a policy that provides for the termination in appropriate circumstances of subscribers who are repeat infringers.

Contact NSS to submit a claim or counter claim:

NORTH STAR SWISS SA,

The following names and designations are trademarks of NORTH STAR SWISS : State Of Cards

Copyright Infringement Notification

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.

Please note that under Section 512(f) any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability for damages. Do not make false claims!

Please also note that the information provided in this legal notice may be forwarded to the person who provided the allegedly infringing content.

Claimant information will be published on the Ubeea.com website in place of disabled content.

Counter-Notification

Contact NSS to submit a claim or counter claim:

NORTH STAR SWISS SA

Chemin de la Chesnale 8
8002 Geneve, Switzerland

Risk Warning

Please read the following risk warnings carefully before using the State Of Cards Service.

This document provides you with information about the risks associated with using trading in cryptocurrencies and with using the State Of Cards Service, which allows you to buy or sell interests in cryptocurrency via our partner cryptocurrency exchange(s) (each a “Cryptocurrency Exchange”).

The trading of goods and products, real or virtual, as well as virtual currencies involves significant risk. Prices can and do fluctuate on any given day. Due to such price fluctuations, you may increase or lose value in 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. If you are in any doubt about whether the Cryptocurrency Service is right for you, you may wish to seek guidance from a professional adviser.

You should carefully assess whether your financial situation and tolerance for risk is suitable for any form of exposure to cryptocurrencies. You should never invest in cryptocurrencies unless you can afford to lose 100% of your investment.

Trading in Cryptocurrencies is unregulated

Trading cryptocurrencies such as Bitcoin has special risks not generally shared with official currencies or goods or commodities in a market. Unlike most currencies, which are backed by governments or other legal entities, or by commodities such as gold or silver, cryptocurrencies are a unique kind of Internet digital currency, backed by technology and trust. There is no central bank that can take corrective measure to protect the value of any cryptocurrency in a crisis or issue more currency.

Instead, cryptocurrencies are an as-yet autonomous and largely unregulated global system of currency firms and individuals. Traders put their trust in a digital, decentralised, and partially anonymous system that relies on peer-to-peer networking and cryptography to maintain its integrity. As such, cryptocurrencies are not governed by any specific European or other regulatory framework. This means that, when you use the NSS Service to purchase cryptocurrencies, you will not benefit from the protections available to customers receiving e-money/payment services provided by us. Moreover, NSS is not a bank and, as such, is not part of a depositor protection scheme. NSS is also not subject to direct FINMA supervision.

We use our banking providers in order to receive client moneys and making payments. Our banking providers DO NOT transfer cryptocurrencies, exchange cryptocurrencies, or provide any services in connection with cryptocurrencies.

The value of Cryptocurrencies is highly volatile

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 our Terms of Use.

You should carefully assess whether your financial situation and tolerance for risk is suitable for buying, selling or trading cryptocurrencies. You should never trade in cryptocurrencies unless you can afford to lose 100% of your investment.

There may be additional risks that we have not foreseen or identified in our Terms of Use. You should carefully assess whether your financial situation and tolerance for risk are suitable for buying, selling, or trading cryptocurrencies.

Cryptocurrency exchanges are vulnerable to cyber attacks

Cryptocurrency exchanges are entirely digital and, as with any virtual system, are at risk from hackers, malware and operational glitches. Even though Cryptocurrency Exchanges take various steps to preserve the security of their platforms, cryptocurrency which is held in wallets provided by such exchanges remain vulnerable to hacking.

If a thief gains access to one or more Supported Cryptocurrencies (i.e. by stealing the private encryption key to the Cryptocurrency Exchange wallets), he/she could transfer the stolen assets to another account. This is particularly problematic since all cryptocurrency transactions are permanent and irreversible.

Accordingly, a hack is likely to lead to substantial depletion of the Supported Cryptocurrency held on your behalf (see below). Whilst the Cryptocurrency Exchange may be willing to compensate users for any such loss, they are not obliged to do so. A serious hack could also have the effect of putting a Cryptocurrency Exchange into insolvency.

The supported cryptocurrencies (and the fiat currency used to buy/sell them) are held in custody by a third party.

When you use the NSS Service to buy interests in one or more of the Supported Cryptocurrencies, they will be held on your behalf by a third party (usually the Exchange) who will act as custodian (the “Custodian”). Records will be held by the Cryptocurrency Exchange and us to show that the Supported Cryptocurrencies are held on your behalf and do not belong to any third party.

The Supported Cryptocurrencies may be held on an “omnibus basis” with the Custodian, which means that your interests may be held at a single blockchain address together with those of other customers of that Custodian. If the Custodian becomes insolvent, there may be delays in identifying the assets belonging to you. There may be also be an increased risk of loss if there should be a shortfall between the assets held in the Custodian’s omnibus account and the claims of all of its customers (in which case, you may have to share proportionately in that shortfall with other customers).

Otherwise, in the event of insolvency of the Custodian, please note there is no specific legal protection that covers you for losses arising from any Supported Cryptocurrencies that were held with such Custodian. This could mean that you have no specific rights under insolvency law to recover cryptocurrency held by the Custodian and you may be treated as an ordinary creditor of the same.

When you sell your interests in the Supported Cryptocurrencies, the proceeds from the sale will be held in a pooled segregated bank account of the Cryptocurrency Exchange. As with the Supported Cryptocurrencies, records will be held by the Cryptocurrency Exchange and us to show that funds are held on your behalf and do not belong to any third party. In the event of the Cryptocurrency Exchange’s insolvency, you may be able to claim for the return of your fiat currency from this pool.

The Cryptocurrency Exchange may terminate their service at any time

To provide the NSS Service to you, we partner with one or more Cryptocurrency Exchanges to (a) facilitate the buying and selling of interests in Supported Cryptocurrencies; and (b) in some cases, hold the Supported Cryptocurrencies as Custodian.

Given the various risks attaching to cryptocurrency exchanges (including the uncertain legal environment), it is possible that a Cryptocurrency Exchange could suspend or terminate its relationship with us and may not tell us why. In these circumstances, we may have to suspend the NSS Service ourselves but we will try to transfer the underlying Supported Cryptocurrency to another Cryptocurrency Exchange as soon as possible.

The legal status of cryptocurrency is uncertain and evolving

Given that the market for cryptocurrencies is relatively new, the legal nature of cryptocurrency is, in most jurisdictions, yet to be determined by statute, regulation or case law. In the absence of such authority, it is not clear how a regulator or court may treat interests or rights arising cryptocurrency trading. In particular, the law applicable to firms who hold cryptocurrencies in custody (particularly in the event of such firms’ insolvency) is far from clear.

It is possible that a national or supranational regulator may take unilateral action to legislate the cryptocurrency market in a manner which prevents or encumbers the proper operation of the market in your jurisdiction. This may impact whether we can offer the Cryptocurrency Service to you

The functioning of the cryptocurrency network is outside our control

Since the Blockchain is an independent public peer-to peer network and is not subject to regulation or control by any governmental or other authority or firm, we are not responsible for any failure, mistake, error and/or breach which shall occur on the Blockchain or on any other networks in which the Supported Cryptocurrencies are being issued and/or traded.

We do not own or control the underlying software protocols which govern the operation of the Supported Cryptocurrencies. In general, the underlying protocols are open source and anyone can use, copy, modify, and distribute them.

The underlying protocols of the Supported Cryptocurrencies are subject to sudden changes in operating rules (‘forks’), and such forks may materially affect the value, function, and/or even the name of the Supported Cryptocurrency.

Changes and additions to this Risk Warning

Please check back often to review this Risk Warning as we may amend it from time to time. If you have any questions regarding this Risk Statement, via the contact form on the Contact Us page of our website.

Impressum

Full legal name of company

NORTH STAR SWISS SA

Chemin de la Chesnale 8
8002 Geneve, Switzerland

Date of formation 29.09.1968

Website: www.northstarswiss.ch

Anti Money Laundering (AML)

North Star Swiss SA (NSS) is subject to provisions on Anti Money Laundering (AML) under the laws of Switzerland, which are in accordance with the FATF recommendations. Switzerland is a member country of the Financial Action Task Force FATF). This means in particular that NSS has to identify its customers and establish the beneficial owner’s identity. The AML compliance policies approved by the Management Board include inter alia the processes for the identification of the customers and establishing the identity of the beneficial owner. The policies also cover the collection of information regarding the customers’ business activities, relationships with Politically Exposed Persons and record retention procedures. Furthermore, NSS regularly provides AML training to relevant employees and does not provide banking services to any bank that does not maintain a physical presence in any country and that is not a regulated affiliate. The anti-money laundering policies are applicable to head office and branches alike and are in accordance with the Wolfsberg anti-money laundering principles.

Cookie Statement

The State Of Cards website uses cookies. By continuing to use this website, you are giving consent to cookies being used.

Last updated 14 Mars 2023

www.stateofcards.com is the website domain of North Star Swiss SA. Registered with the Swiss Companies Register under company number CHE-100.090.759 with its registered address at Chemin de la Chesnale 8, 8002 Geneve, Switzerland In this Cookie Statement, ‘SOC’, ‘we’, ‘us’ and ‘our’ means North Star Swiss / State Of Cards.

This Cookie Statement explains how SOC uses cookies and similar technologies when you visit our websites or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”), when you use the SOC mobile app, and/or interact with SOC online advertisements or marketing emails (collectively the “Services”). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

What are cookies?

Cookies are small text files that are placed on your computer by websites that you visit. 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.

Cookies are small files, typically of letters and numbers, downloaded onto your computer or mobile device when you visit certain websites. When you return to these websites, or visit other websites that use the same cookies, the websites recognize these cookies and your browsing device. A cookie cannot read data off your hard drive or read cookie files created by other websites.

Cookies set by the website operator are called “first party cookies”. Cookies set by parties other than the website operator are called “third party cookies”. The parties that set third party cookies can recognize your computer both when it visits the SOC website and when it visits certain other websites and/or mobile apps.

We treat information collected by cookies and other technologies as non-personal information. However, to the extent that IP addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. If we combine non-personal information with personal information, the combined information will be treated as personal information for as long as it remains combined.

More information on cookies and their use can be found at aboutcookies.org or allaboutcookies.org.

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 website, 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.

How does SOC use cookies?

When you access our Services, we or companies we work with may place cookies on your computer or other device. These technologies help us better understand user behavior, and inform us about which parts of our websites people have visited.

We use first party and third-party cookies to recognize you as a SOC customer, customize our Services, content, and advertising, to measure promotional effectiveness, and to collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.

We may place cookies from third-party service providers who may use information about your visits to other websites to target advertisements for products and services available from SOC. We do not control the types of information collected and stored by these third-party cookies. You should check the third-party’s website for more information on how they use cookies.

The following are some examples of non-personal information that we collect and how we may use it:

We may collect and store details of how you use our Services. Except in limited instances to ensure quality of our Services over the Internet, such information will not be associated with your IP address.

We may collect information such as your language, zip code, area code, unique device identifier, referrer URL, location, and the time zone so that we can better understand customer behavior and improve our Services.

We may collect information regarding customer activities on our website, which is used to understand which parts of our websites and Services are of most interest. This data is aggregated, and thus is considered non-personal information for the purposes of this Cookie Statement.

What types of cookies does SOC use?

Strictly Necessary Cookies

These cookies are essential because they enable you to move around our Services and use certain features on our Services. For example, strictly necessary cookies allow you to access secure areas. Without these cookies, some Services cannot be provided.

Performance/Analytics Cookies

These cookies collect information about how you use a website. For example, a performance/analytics cookie will collect information about which pages you go to most often, how much time you spend on that page, or if you get error messages from certain pages. These cookies do not gather information that identifies you. The information these cookies collect is anonymous and is only used to improve how our Services work.

Functionality Cookies

These cookies allow us to remember the choices you make and to tailor our Services so we can provide relevant content to you. For example, a functionality cookie can remember your preferences (e.g., country or language selection), or your username.

Session Cookies. We use session cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser.

How long will cookies stay on my browsing device?

The length of time a cookie will stay on your browsing device depends on whether it is a “persistent” or “session” cookie. Session cookies will only stay on your device until you stop browsing. Persistent cookies stay on your browsing device until they expire or are deleted (i.e. after you have finished browsing).

What other similar technologies does SOC use?

In addition to cookies, we may use other similar technologies, like web beacons to track users of our Services. Web beacons, or “clear gifs,” are tiny graphics with a unique identifier, similar in function to cookies. They are used to track the online movements of web users.

In contrast to cookies, which are stored on a user’s computer hard drive or device, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We and our third-party service provider employ web beacons for the reasons stated above (under “Cookies”), but primarily to help us better manage content on our Services by informing us which content is effective.

We may also use so-called “Flash Cookies” (also known as “Local Shared Objects or “LSOs”) to collect and store information about your use of our services, fraud prevention and for other site operations.

Does SOC use advertising cookies?

SOC may use third party service providers to display advertising on our Services and serve advertising on other third party sites that are more relevant to you or your interests. They are also used to limit the number of times you see an advertisement, as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organizations, such as advertisers. This means that after you have been to our websites, you may see some advertisements about our Services elsewhere on the Internet. The information collected through this process by the third party service providers does not enable us or them to identify your name, contact details or other personal information that directly identifies you unless you choose to provide these. Such advertising will only be delivered where permitted by applicable law.

How to manage cookies, similar technologies and targeted online mobile advertising and what effect will this have?

You have the right to decide whether to accept cookies. You can stop cookies from being deployed on your computer by configuring your browser not to accept them or opt-out. Please refer to your browser’s ‘help’ facility, or visit the following website: allaboutcookies.org. For more specific details, you can exercise your preferences in relation to cookies served on our website by taking the steps outlined below.

Our Cookies (or, “First-Party Cookies”). You can use the browser with which you are viewing this website to enable, disable or delete cookies. To do this, follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” settings). Please note, if you set your browser to disable cookies, you may not be able to access secure areas of our website. Also, if you disable cookies other parts of the Services may not work properly. You can find more information about how to change your browser cookie settings at allaboutcookies.org.

Mobile Advertising: You can opt out of having your mobile advertising identifiers used for certain types of advertising by accessing the settings in mobile device and following the instructions. If you opt-out, we will remove all data about you and will not collect any further data. The random ID previously assigned to you will be removed. Thus, if at a later stage, you decide to opt-in, we will be unable to continue and track you using the prior ID and you will for all practical purposes be a new user.

Third-Party Cookies. To opt-out of third-party advertising networks and similar entities that use targeting/advertising cookies, go to aboutads.info/choices. Once you click the link, you may choose to opt-out of such advertising from all participating advertising companies or only advertising provided by specific advertising entities. For more information about third-party advertising networks and similar entities that use these technologies, please see aboutads.info/consumers.

Do Not Track: Some Internet browsers – like Internet Explorer, Firefox, and Safari – include the ability to transmit “Do Not Track” or “DNT” signals. Since uniform standards for “DNT” signals have not been adopted, our websites may not currently process or respond to “DNT” signals.

Flash Cookies. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the website storage settings panel. You can also control Flash Cookies by going to the global storage settings panel and following the instructions. Setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content.

Updates to this Cookie Statement

We reserve the right to amend or modify this Cookie Statement at any time in response to changes in applicable data protection and privacy legislation. If we do, you will be notified when you first visit our website after the change.

Your continued use of the SOC website, as well as any subsequent usage, will be interpreted as your consent to cookies being stored on your device.

If you have any questions about our use of cookies or other technologies, please email us using the contact form on the Contact Us page of our website.

FAQ

1. How can I verify my account?

To pass verification, you must provide the required documents. Please note that all data in the documents provided must be filled in Latin. Make sure all four corners are clearly visible when scanning (copy, photo) the document. The document must be of good quality, easy to read, and all data must be clear. Such documents must contain the client’s name, address and be no older than 2 months at the time of submission of the documents.

For proof of identity, provide a passport containing your photo and details in English.

Only customers from the following countries can be verified with a driver’s license: Canada, United Kingdom, New Zealand and Australia.

Please provide one of the following documents to verify your address:

utility bill (water, electricity, gas);
official document on wages from the employer;
insurance statement;
tax document;
certificate of residence.

2. How long does it take to check documents?

It usually takes 72 working hours to verify documents. But, due to the large volume of documents submitted for verification, this process may take longer. We ask you to be patient, the specialists of the verification department do their best to complete the verification of all documents as soon as possible. Verification takes place on a first come, first served basis. The result will be emailed to you.

3. Can I send my documents to support by email for verification?

Please note that all documents related to verification must be submitted in a specially designated section of your account in the State Of Cards payment system. You cannot send documents for verification neither via the support service or by e-mail.

4. Why is a passport needed for verification, and not an ID document (identity card)?

Having an ID card (identity card) in your country is not enough to have an international bank account number (IBAN) – you need a passport for this. If your country does not have passports, then you need to issue an international passport.

5. I want to change my email

If your account in the State Of Cards payment system is not verified, contact support and ask to deactivate your account. After completely deleting your information, you will be able to register with the correct email address.

Keep in mind: if you have already passed verification using the mail you want to change, then you will not need to deactivate your account. Our specialists will change the email address in the already verified account. Please note that it may take 24-48 hours to process your support request.

6. My name and surname in the profile are spelled incorrectly. How can I fix them?

Please don’t worry about this. After successfully verifying your documents that you submitted for verification, all your incorrect personal information in your profile will be changed in accordance with the identity document that you submitted for verification.

7. How do I change my contact phone number?

Please contact support, specialists will help you change your contact number. Please note that your question will be answered within 72 business hours.

8. How do I create an application for topping up my account in the State Of Cards payment system?

Please use the detailed instructions on how to top up an account in the State Of Cards payment system in various ways:

through a bank in Europe (SEPA Transfer)
via bank card (Visa/Mastercard)
regular bank transfer (Bank Transfer)
cryptocurrency top up (Trading Desk)

9. Why is my account not active?

Your account will become active when the verification process of all your documents is complete. The verification result will be sent to you by e-mail.

10. I'm having trouble setting my password.

Please note the following:

When registering, use the most complex password with a length of at least 8 characters, which includes Latin letters (at least 1 uppercase and 1 lowercase), numbers and symbols (example of characters: + = & ^ % $ # @ !).

11. How can I register and verify minors?

Unfortunately, persons under the age of 18 cannot register with the State Of Cards payment system. Only clients aged 18 and over are eligible to register in the system and undergo full verification.

12. What is a criminal record clearing form?

A criminal record clearing form is the legal removal and deletion of a personal criminal record from the National Criminal Register.

13. How can I correct a mistake in the questionnaire?

To correct your profile data, contact our support team by email and ask to reset your profile form so that you can fill in the correct information.

14. I made a deposit in the Global Unit Pay payment system using Bitcoin (BTC), but the funds were not credited to my account. What do I do?

Please contact our support team and provide them with the following information:

BTC wallet number from which you sent funds.
BTC wallet number to which you sent funds.
BTC wallet number to which we can return funds in case of a system error.
User ID.
Screenshot from Blockchain confirming the sending of funds.
Screenshot of the funds request form from your personal account.

Please note: before topping up the State Of Cards payment system account using cryptocurrencies, carefully study the top up instructions. If necessary, be prepared to provide documents confirming the origin of your personal funds.

15. I have topped up an account in the State Of Cards payment system, but the funds have not been received.

Please contact our support team.

Provide the technicians with your User ID and payment confirmation. Specialists will be able to track your payment and find out at what stage the top up is.

THESE FINANCE LEGAL AGREEMENT CONSTITUTE A BINDING AGREEMENT BETWEEN YOU AND STATE OF CARD™

Legal Agreements and information

Terms of Use – North Star SWISS (“NSS”), also operating under the product name, “State Of Cards”

Last updated 18 Mars 2023

Top-Up

Quantum Coins

Risk Warning

Limited Right of Use

Maintaining Your Account: Our Rules

FEES

VERIFICATION OF ACCOUNTS

For IBAN Opening

Termination

Availability of Services

APIs and Widgets

External Websites

Financial Advice

Financial Regulation

Data protection

Disclosures to Legal Authorities and Authorized Financial Institutions

Unclaimed Property

Jurisdiction/Governing Law

Limitation of Liability

Legal Disclaimer

Indemnity

Miscellaneous

Modification of Terms

Definitions

Consent to Use of Cookies

Changes

Email

Contact Us

Collection and use of personal information

A. Personal Information We Collected

B. Use of Cookies and Similar Technology

C. How We Use Your Personal Information

Automated Decisions Making

D. Marketing

DISCLOSING AND TRANSFERRING PERSONAL DATA

A. Disclosures to Third Parties

B. Disclosures to Legal Authorities

C. International Transfers of Personal Data

YOUR STATUTORY RIGHTS

SECURITY OF PERSONAL DATA

RETENTION OF PERSONAL DATA

UPDATES TO THIS PRIVACY POLICY

Definitions

Global Notice

Contact Us

Complaints

The following names and designations are trademarks of NORTH STAR SWISS SA: State Of Cards

Copyright Infringement Notification

Counter-Notification

Copyright Infringement Notification

Counter-Notification

Please read the following risk warnings carefully before using the State Of Cards Service.

Trading in Cryptocurrencies is unregulated

The value of Cryptocurrencies is highly volatile

Cryptocurrency exchanges are vulnerable to cyber attacks

The supported cryptocurrencies (and the fiat currency used to buy/sell them) are held in custody by a third party.

The Cryptocurrency Exchange may terminate their service at any time

The legal status of cryptocurrency is uncertain and evolving

The functioning of the cryptocurrency network is outside our control

Changes and additions to this Risk Warning

Full legal name of company

Anti Money Laundering (AML)

Cookie Statement

Last updated 14 Mars 2023

What are cookies?

How does SOC use cookies?

What types of cookies does SOC use?

How long will cookies stay on my browsing device?

What other similar technologies does SOC use?

Does SOC use advertising cookies?

How to manage cookies, similar technologies and targeted online mobile advertising and what effect will this have?

Updates to this Cookie Statement

Social Media

Legal Links

Recently Active Members

Recent News