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

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Buy & Sell BTC, XRP And MORE - Uphold

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“I was blown away by how smooth the process of buying XRP was on Uphold...”

“I just wanted to share a quick note and let you know that you guys do a really good job.”

You may use the Uphold website (“Website”) or mobile application (“App”), including to:

Request fund transfers between your Account and a Linked External Account by ACH transfer 

Make a payment to a third party by ACH transfer

You understand and agree that any access or use of the Website or App (including any features made available via the Website and App) are subject to specific terms and conditions and additional disclosures made available in connection therewith and which you must consent to prior to any such access or use. 

Uphold Website and App

Limits on the Type, Frequency or Amount of EFTs

The use of EFT services described in this Agreement creates certain rights and responsibilities regarding these services as described below. 

Your Rights and Responsibilities

We will disclose information to third parties about your Account or the EFTs you make:

(1) Where it is necessary for completing EFTs; 

(2) In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant;

(3) In order to comply with government agency or court orders; or

(4) If you give us your written permission. 

Confidentiality

We may change any provision of this Electronic Fund Transfer Agreement in our discretion, as permitted by law. If we do, we will give you notice if and to the extent required by applicable law.

Amendments

We reserve the right to terminate your use of any or all of our EFT services for any reason and at any time. We will provide you notice before doing so where required by law. You also have the right to terminate your use of the EFT services described in this Agreement at any time by contacting us using the above information. If you terminate your use of our EFT services and you have arranged for automatic (regular) transfers involving third parties, you are required to inform any third parties that the transfers will cease. Any termination of your use of our EFT services, whether initiated by you or us, will not affect any of your or our rights and obligations under this Agreement that have arisen before the effective date of such termination.

Termination

Electronic Fund Transfers: Your Rights and Responsibilities

This disclosure contains important information about your use of electronic fund transfer (“EFT”) services in relation to your Uphold Account (“Account”).  Whenever you accept or authorize EFTs, you agree to these terms and conditions, in addition to any other applicable limitations in the User Agreement. Please read this document carefully and retain it for future reference.

Website: https://support.uphold.com/hc/en-us/requests/new

Mailing Address: 228 Park Ave. S.,  #50458, New York, NY 10003-1502

Uphold’s services are offered to members based on specific terms and conditions. These documents detail exactly what you can expect of us, and what we expect of you when you use the platform. 

Business Days (US): Monday through Friday, excluding bank holidays in the US.

Electronic Fund Transfer Agreement

Electronic Funds Transfer Agreement

Introduction/Scope

Becoming a User

Use of the Platform.

Description of the Account and Assets

Adding Value on the Platform.

Supported and Unsupported Assets.

Transactions on the Platform

Additional Services

Termination or Cancellation

Inactive Accounts

Data Security.

Taxes.

Customer Complaints, Error Resolution, and Arbitration

Third Party Services and Applications

Electronic Communications

Indemnification; Uphold’s Rights and Remedies

Disclaimer

Other Matters

User Agreement for Residents of the United States

Membership Agreement USA

Eligible Referrers

Eligible Referrals

Qualified Wallet Referrals

Referral Promotional Period

General Terms

This agreement sets forth the terms and conditions for participation in the user referral Promotion (the “Referral Promotion”) administered by Uphold HQ Inc. and Uphold Lithuania UAB (together with its affiliates, “Uphold”). Only Eligible Referrers and Eligible Referrals, as defined below, are eligible to participate in the Referral Promotion.  Employees of Uphold, its subsidiaries and affiliated companies and their respective directors, officers, employees, agents, representatives, advertising or promotional agencies, members of their immediate families, and persons with whom any of the foregoing are domiciled are not eligible to participate in the Referral Promotion.

Rewards: All Eligible Referrers and referees will receive up to US$20 worth of bitcoin reward for each qualified “Wallet” Referral (subject to the terms, conditions, and limitations set forth herein). The maximum payable by Uphold to any individual Eligible Referrer for any Qualified Referral is capped to a total of 20 Qualified Referrals per calendar month. Payment of a reward for a Qualified Referral will be made within forty-five (45) calendar days from the end of the month of the Qualified Referral, paid via the participants’ Uphold wallet. The reward’s value for the fiat currency will be calculated at the moment of the payout, i. e. when the bitcoin is transferred to the client’s Uphold wallet. Please be noted, that the value of the bitcoin may vary afterward and in such case, Uphold will be not responsible for that. For more information on related risks please read Uphold’s General Terms and Conditions.

Disclaimer: The Uphold Referral promotion is eligible only to customers based in the following countries: US (excluding the state of New York), Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Argentina, Belize, Brazil, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Bolivia, Chile, Guyana, Paraguay, Peru, Suriname, Uruguay, Haiti and Puerto Rico.

Join our Referral Program, where all eligible referrers and referees will receive up to US$20 worth of bitcoin reward for a qualified “Wallet” referral.

Referral Program Terms & Conditions - Uphold

Participation in the Uphold Beta Program

Other Agreements

License Grant and Restrictions

Fees

Term and Termination

Limitation on Liability

Feedback

Privacy Policy

Please read and agree to our terms and conditions if you wish to participate in the Uphold Beta Program. You must be an active Uphold user.

Digital assets also referred to as cryptocurrency, are a digital representation of value that function as a medium of exchange, a unit of account, or a store of value. Cryptocurrencies are not legal tender, are not backed by the government or a central bank and generally have no underlying assets, revenue stream, or other sources of value tied to fiat currency or other assets. Their value is derived from market dynamics and has historically been more volatile relative to fiat currency and other assets. The unpredictability of the price of cryptocurrency relative to fiat currency may result in significant loss over a short period of time. The value of cryptocurrency may be derived from the continued willingness of market participants to exchange fiat currency for cryptocurrency, which may result in the potential for permanent and total loss of value of a particular cryptocurrency should the market for that cryptocurrency disappear. In certain cases, it may be difficult or impossible to liquidate a position quickly at a reasonable price due to various market factors, including illiquidity or actions by trading facilities. 

Legislative and regulatory changes or actions at the state, federal or international level may adversely affect the use, transfer, exchange, and value of cryptocurrencies. Several federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see the CFPB’s Consumer Advisory, the CFTC’s Customer Advisory, the SEC’s Investor Alerts and FINRA’s Investor Alerts.

Some cryptocurrency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction. Cryptocurrency ownership is often determined by a decentralized public ledger that associates an amount of cryptocurrency with a unique address defined by a public cryptographic key. A private cryptographic key is required to transfer cryptocurrency from one address to another. Anyone with access to the private key associated with the address can transfer the associated cryptocurrency. Cryptocurrency transfers generally cannot be canceled or reversed and the identity of the holder of the private key associated with any address can be difficult, if not impossible, to ascertain. The nature of cryptocurrency may lead to an increased risk of fraud or cyber attack. If you are using cryptocurrency held on the Uphold platform to purchase goods or services, we have no visibility into the sellers and cannot control delivery, quality, safety, or legality. Losses due to fraudulent or accidental transactions may not be recoverable. If you have a dispute with sellers or buyers, you agree to deal directly with them and hold Uphold blameless in all disputes. The nature of cryptocurrency means that any technological difficulties experienced by Uphold may prevent the access or use of a user’s cryptocurrency.

Risks Specific to Holding Digital Assets - United States

We use multi-level systems and procedures to collect and verify information about you in order to help keep ourselves, other users and our partners safe from fraudulent activity and for record-keeping purposes. In addition, to help the government fight the funding of terrorism and money laundering activities, applicable law requires financial institutions to obtain, verify and record information that identifies each person who opens an account.

Your daily or weekly add-funds limits, remove-funds limits, transaction limits and transfer limits are based on the information you provide to us. Users who wish to use the Uphold platform must establish an account with us by, at minimum:

Providing a government-issued ID – such as a passport or driver’s license (a second form of government-issued ID may be required to surpass certain transaction thresholds), and 

Users who wish to add or remove value using an available fiat transfer must, at minimum:

Add and verify a bank account, credit and/or debit card;

Provide additional details, including their residential address and government-issued document and/or social security number; and

We also may require that you provide or verify additional identifying information or to wait some amount of time a transaction before permitting you to use the Uphold platform at all or at any given level. 

A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.

If you don't provide the information requested or your identity can't be verified, we may not be able to open an account or carry out transactions for you. If we have already opened an account for you, we may have to close it.

You may view applicable volume limits by visiting here.

You can contact us through support to request increased limits. We may require you to submit to enhanced due diligence at your cost and, of course, we cannot guarantee that we can increase your limits.

The following categories of businesses, business practices, and sale items are barred from using our services (“Prohibited Businesses”). By opening an Uphold HQ Account or Uphold Securities Brokerage Account (your “Account”), you confirm that you will not use the Uphold Platform to transact in connection with the following businesses, activities, practices, or items:

Operating as an unlicensed money transmitter, money service, payment service provider, e-money, or any other financial services business which requires licensure, including but not limited to exchanges of virtual currencies, sales of money orders or traveler's checks, and escrow services

Counterfeit products or any product or service that infringes upon the copyright, trademark, or trade secrets of any third party

Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs

Gambling, except where permitted by and with our prior written permission

Violent acts towards self or others, or activities or items that encourage, promote, facilitate or instruct others regarding the same

Funding any of the items included on this Prohibited Businesses list

Extortion, blackmail, or efforts to induce unearned payments

Any business that violates any law, statute, ordinance or regulation

Acting in concert with others or through multiple accounts that you control in order to circumvent per account trading limits

You may not use your Account or the Uphold Platform to engage in the following categories of activity (“Prohibited Use”). You confirm that you will not use your Account to do any of the following:

Violate or assist any party in violating any law, statute, ordinance, regulation or any rule of any self-regulatory or similar organization of which you are or are required to be a member (for example, those laws, rules, or regulations governing financial services, controlled substances, or consumer protections)

Partake in a transaction which involves the proceeds of any unlawful activity

Partake in any transaction involving online gambling except where permitted and with our prior written permission

Defraud or attempt to defraud us or our users

Infringe our or any third party's intellectual property

Provide false, inaccurate or misleading information

Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information

Interfere with another individual's or entity's access to or use of any part of the Uphold Platform

Defame, abuse, harass, stalk, threaten or otherwise violate or infringe the legal rights of others

Publish, distribute or disseminate any unlawful material or information

Transmit or upload any viruses, Trojan horses, worms, or any other malicious programs

Access the Uphold Platform through programmatic means

Act as a payment intermediary or aggregator or otherwise resell the Uphold Platform, unless authorized by us in writing

Transfer any rights granted to you by us to another party

Use another user’s password for any purpose

Compromise Accounts, computer systems or networks connected to the Uphold Platform through any means

Use any Account other than the single Account created with your real identity

Regulators for United States Residents

These terms, in addition to our General Terms and Conditions and your applicable User Agreement (available here for residents of the US.; here if you are a resident of a country that is a member of the European Economic Area (EEA), the European Union (EU), the United Kingdom, or Switzerland; or here if you reside anywhere else in the world), govern your use of certain stablecoins on the Uphold Platform. Capitalized terms not defined herein shall have the meaning given to them in the General Terms and Conditions or the applicable User Agreement.

Universal Protocol Stablecoin Terms - Uphold

These terms, in addition to our General Terms and Conditions and your applicable User Agreement (available here for residents of the US.; here if you are a resident of a country that is a member of the European Economic Area (EEA), the European Union (EU), the United Kingdom, or Switzerland; or here if you reside anywhere else in the world), govern your use of VCOIN on the Uphold Platform. Capitalized terms not defined herein shall have the meaning given to them in the General Terms and Conditions or the applicable User Agreement. By obtaining or using VCOIN, you understand and expressly agree to these VCOIN Terms, and you acknowledge that you have reviewed and understand each of the statements made in these Terms. 

VCOIN Terms - Uphold

Overview of Digital Assets

General Risks

Risks Specific to Holding Digital Assets - Canada

This Digital Asset Risk Statement (“Statement”) is for our customers (or “Users”) who are residents of, or who access our Platform from, Canada and is incorporated by reference into the online Terms of Service (“Terms”) that you understand and accept upon the opening of your Uphold account. This Statement outlines certain risks you must consider before you decide to participate in the Digital Asset ecosystem. 

This Statement is a non-exhaustive list of risks associated with the purchase and trading of digital assets. Please seek independent advice from your financial advisor or accountant to understand whether any financial investment in digital assets is suitable for you with consideration to your knowledge, experience, financial objectives and financial resources. 

Digital assets are highly volatile and you may rapidly lose all or a portion of your investment. Nothing in this Statement or displayed on the Uphold Website or Platform should be construed as investment advice. 

Risks Specific To Holding Digital Assets - Canada

Who is eligible to enter the promotion?

Promotion Period and Prize Details

How to Claim Your Prize?

Can I buy XRP after July 31st and enter the promotion?

What are the snapshot days for the promotion?

What are the ranks?

How do you get promoted?

Examples

General

Uphold XRP Army Promotion - Terms and Conditions

This document sets forth the rules for participation in the “Uphold XRP Army Promotion” (the “Promotion”). 

In this Promotion, you will be eligible to receive one (1) NFT corresponding to the “rank” you achieve on the Uphold platform by holding a balance of XRP on the Uphold platform.

Becoming a User.

Use of the Portal.

License.

Governing Law.

Third Party Information.

Intellectual Property.

Term.

Termination.

Non-Waiver.

Assignment.

Enforceability.

Survival.

Force Majeure.

Limitations of Liability.

Disclaimer.

These Uphold Institutional Portal Terms (“Portal Terms”) govern your access to and use of the Uphold Institutional Portal website and/or app (the “Portal”), to access the cryptoasset trading platform offered by the Uphold Group (the “Platform”). The Portal and the Platform are offered by entities that form part of the Uphold Group, depending on the jurisdiction of residence of the end user, including Uphold HQ Inc. (for customers residing in the United States), Uphold Europe, Ltd. (for customers residing in the UK), Uphold Lithuania UAB (for customers residing in the EEA), Uphold Operating Canada, Ltd. (for customers residing in Canada), and Uphold Worldwide Ltd. (for customers residing anywhere else the Portal is made available). These Portal Terms are issued on behalf of the relevant member of the Uphold Group based on the jurisdiction you reside in (“Uphold”, “we”, “us”, “our”) and are a legally binding contract between us and you, the individual end user, together with any company that you represent (“you” or “your”) collectively “the Parties”. 

These Portal Terms supplement the general terms and conditions applicable to the Platform (the “Platform Terms”), which are available here. To the extent these Portal Terms conflict with the Platform Terms, these Portal Terms will control. Any capitalized terms not defined herein will have the meaning given to them in the Platform Terms.

By utilizing the Portal, you agree to follow and be bound by these Portal Terms, including any policies referenced herein. These Portal Terms, together with any additional terms that apply to the Portal, may be modified without notice to reflect changes to the law or the Portal. You should regularly review the Portal Terms and your continued use of the Portal will constitute your acceptance of any revisions to these Portal Terms. 

Please refer to our Privacy Policy and Cookies Policy to explain how Uphold collects, uses and shares any personal information shared by you when accessing the Portal.