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General Terms and Conditions

Last updated Oct 13, 2022

  • These General Terms and Conditions (these “Terms and Conditions”) govern the access and use of our mobile applications, products, software, websites, APIs, and other services (our “Platform”) and, where applicable, other service providers available on or through the Platform. By using the Platform, you agree to follow and be bound by these Terms and Conditions, including any policies referenced herein. We may modify these Terms and Conditions or any additional terms that apply to the Platform to, for example, reflect changes to the law or changes to the Platform. You should look at these Terms and Conditions regularly and your continued use of the Platform will constitute your acceptance of any revisions to these Terms and Conditions. We will post notice of modified additional terms in the applicable service. If you do not agree to the modified terms for the Platform or any service we offer, you should discontinue your use of the Platform or that service.

    Your use of the Platform is governed by additional agreements and terms, including our user agreements (each, a “User Agreement”) and any third-party terms and conditions. If you are a resident of the United States (US) or Canada (CA), your User Agreement is available here. If you are a resident of a country that is a member of the European Economic Area (EEA), your User Agreement is available here. If you are a resident of the United Kingdom (UK) your User Agreement is available here. If you reside anywhere else in the world, your User Agreement is available here. Terms and conditions applicable to equities accounts are available here. Use of the Uphold API and Uphold Connect are subject to an additional Developer Agreement. In the event of a conflict between a User Agreement and these Terms and Conditions, the User Agreement shall control.

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Uphold Europe Limited, Reg No. 09281410, Registered Office: Eastcastle House, 27/28 Eastcastle Street, London, United Kingdom, W1W 8DH

Uphold (FRN: 938277) is registered with the Financial Conduct Authority (FCA) for AML purposes and complies with the Money Laundering, Terrorist Financing and Transfer for Funds (Information on the Payer).

Uphold is also an EMD agent (FRN: 938277) of Optimus Cards UK Limited (FRN: 902034) which is authorised and regulated by the Financial Conduct Authority to issue e-money pursuant to the Electronic Money Regulations 2011.

Cryptoasset services offered by Uphold Europe Limited are unregulated and not covered by the Financial Services Compensation Scheme as well as the FCA’s consumer protection regulations. Cryptoassets are very high risk and speculative. You should be aware and prepared to potentially lose some or all of your money. You should carefully consider whether trading or holding cryptoassets is suitable for you in light of your financial circumstances. Gains may be subject to Capital Gains Tax and there may be extra charges when paying via credit card from your provider. Geographic restrictions may apply.

Fiat money payments and balances (fiat is another name for traditional currencies, such as GBP, USD and EUR) constitute regulated e-money and payment services. In providing fiat balances, you are being issued with e-money by Optimus and Uphold is acting as its agent. See specific e-money terms. E-money is not a deposit or investment account which means that your e-money will not be protected by the FSCS. Your funds will be held in a designated safeguarding account with a regulated financial institution. E-money will not earn any interest.

Uphold is certified for SOC 2 Type 2, ISO 27001, and PCI DSS, ensuring rigorous control over our information security management systems, data handling, and payment processing practices. Furthermore, we comply with the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and the UK Data Protection Act, underscoring our dedication to protecting the personal data and privacy rights of our global customers.

© 2024 Uphold Europe Limited. All rights reserved.