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Vault Terms and Conditions

Last updated Nov 17, 2023

  • These Vault Terms and Conditions (“Terms”) govern your access and use of the Vault service of our application including any content, features and services available via iOS and Android mobile applications (“Vault”, or the “Service”). Vault is offered by Uphold HQ Inc. to individuals residing in the U.S., by Uphold Europe Limited to individuals residing in the U.K., by Uphold Lithuania UAB to individuals residing in the EEA, and by Uphold Worldwide Ltd. to individuals residing elsewhere. Throughout these Terms, the term “Uphold”, “we”, “us” or “our” refers to the relevant entity that provides the Service to you. 

    By using Vault, you agree to follow and be bound by these Terms including any policies referenced herein. We reserve the right to modify these Terms or any additional terms that apply to Vault in accordance with changes to the law or to the Service. You should look at these Terms and Conditions regularly and your continued use of Vault will constitute your acceptance of any revisions to these Terms. 

    Please refer to our Privacy Policy for further information on how we collect, use and disclose information to third parties.

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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.

The purchase, sale and custody of cryptoassets are regulated by the FCA for anti-money laundering purposes but this does not indicate any approval by the FCA of Uphold's cryptoasset activities. Cryptoassets are very high risk and speculative. When purchasing, selling and/or holding cryptoassets, you will not have access to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) if something goes wrong. 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.

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.