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WB TECHNOLOGIES AG

Terms of Use

• WB Technologies AG is a VQF-supervised Swiss financial intermediary that provides fiat deposit and withdrawal services on WhiteBIT.com.
• WB Technologies AG does not provide custody, trading, investment, or deposit-taking services.
• You are required to complete identity verification under Swiss law before using the service.
• Separate fees and terms apply. The current fee schedule for deposit/withdrawal services conducted by WB Technologies AG is published on the Platform: https://whitebit.com/fees/cryptocurrency.
• Support: Contact us at support@whitebit.com. You may stop using the Exchange Services at any time.

These Terms, together with the Privacy Notice, govern your use of the Exchange Services. You are required to review these Terms and the applicable Privacy Notice before each use of the Exchange Services. By proceeding with a transaction, you confirm that you have read and accepted the current version of these Terms.

Your fiat deposits and withdrawals are processed by WB Technologies AG, a Switzerland-based financial intermediary supervised by VQF. It handles the transfer of funds through regulated banking and payment channels.

Fiat funds received by WB Technologies AG are held exclusively for the purpose of settling your transaction. They do not constitute deposits within the meaning of Swiss banking legislation, and no interest is payable on them. WB Technologies AG does not provide fiat custody services. If a transaction cannot be completed, the relevant funds will be returned to you promptly. In any event, fiat funds will not be retained by WB Technologies AG beyond the period strictly necessary to settle or return them.

By proceeding with a fiat transaction, you confirm that you understand:

• WB Technologies AG is a VQF-supervised Swiss financial intermediary under AMLA Art. 2(3), providing fiat-to-crypto and crypto-to-fiat exchange and conversion services on WhiteBIT.com. WB Technologies AG does not provide custody of fiat funds or crypto-assets.
• No bank account or custodial account is opened in your name with WB Technologies AG. Your crypto-asset positions resulting from exchange transactions are maintained within the Platform environment.
• Your funds will be delivered to your designated bank account in line with Swiss AML/CFT requirements.
• Fiat transactions are executed through regulated banking and payment partners under Swiss AML/CFT requirements.

1. Definitions

In these Terms, unless the context requires otherwise:

• "Platform" means WhiteBIT.com.
• "Exchange Provider" or "WB Technologies AG", "WhiteBIT" means WB Technologies AG, a company registered in Switzerland and supervised by VQF (Verein zur Qualitätssicherung von Finanzdienstleistungen), a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA), under the Anti-Money Laundering Act (AMLA; SR 955.0).
• "User" or "You" means any natural or legal person who holds an active Platform account and elects to use the Exchange Services.
• "Exchange Services" means the fiat-to-crypto-asset and crypto-asset-to-fiat exchange and conversion services provided by WB Technologies AG, including the processing of fiat funds and execution of conversions.
• "Transaction" means any fiat deposit, fiat withdrawal, or fiat-crypto exchange operation initiated by You through the Exchange Services.
• "Fiat Currency" means CHF, EUR, USD, or any other government-issued currency supported by the Exchange Services as published on the Platform.
• "Crypto Assets" means blockchain-based digital assets, cryptocurrencies, tokens, or virtual currencies supported on the Platform.
• "KYC" means Know Your Customer identity verification and due diligence.
• "Platform User Agreement" means the primary terms governing Your use of WhiteBIT.com.
• "Fee Schedule" means the current schedule of fees, charges, transaction limits, and processing timeframes published on the Platform, as amended from time to time.
• "WhiteBIT Group" means the international network of entities, organisations and teams associated with the WhiteBIT business, brand, platform and related brands or services, whether by ownership, common ultimate beneficial ownership, common shareholders, control, management, brand affiliation, contractual arrangements or other commercial coordination. For the avoidance of doubt, WhiteBIT Group entities are not required to be wholly owned by the same ultimate beneficial owner or to have identical shareholding structures, and may operate under names other than "WhiteBIT".

2. Exchange Services

2.1 Nature of Services

WB Technologies AG operates as a Swiss-regulated financial intermediary under AMLA Art. 2(3), supervised by VQF (a FINMA-recognised SRO), providing fiat-to-crypto and crypto-to-fiat exchange and conversion services on the Platform. WB Technologies AG receives fiat from the User, executes the conversion, and credits the corresponding crypto-asset position to the User's Platform account. WB Technologies AG does not provide custody of crypto-assets or fiat funds. The Exchange Services comprise:

• Fiat Deposits: You may deposit supported Fiat Currencies into your Platform account by initiating a bank transfer to WB Technologies AG's designated account at its regulated banking partner. Upon receipt of the funds and completion of applicable compliance checks, the corresponding Fiat Currency equivalent is credited to Your Platform balance. The transfer must originate from a bank account held in your own name. Alternatively, supported Fiat Currencies may be deposited through card payment solutions made available on the Platform. In such cases, the User transfers fiat funds to WhiteBIT's account maintained with the relevant payment service provider, and the corresponding Fiat Currency amount is credited to the User's Platform balance upon successful processing of the transaction and completion of applicable compliance checks.
• Fiat Withdrawals: You may withdraw Fiat Currencies from your Platform account by requesting a transfer to your designated personal bank account. Alternatively, where supported on the Platform, Fiat Currencies may be withdrawn through available card payment solutions. WB Technologies AG processes outbound payments through its regulated banking and payment partners. The receiving bank account or payment card must be held in your own name and located in, or issued in, a jurisdiction recognised as compliant with applicable AML standards.

2.2 Supported Currencies and Payment Methods

Currently supported Fiat Currencies are CHF, EUR, and USD, via SEPA and SWIFT transfers, as well as through supported card payment solutions.

WB Technologies AG may update the supported Fiat Currencies and available payment methods at its discretion, subject to reasonable prior notice. Users are responsible for reviewing the payment methods available on the Platform at the time of initiating a deposit and for ensuring that the selected payment method is available and suitable for their intended transaction.

2.3 Fees, Limits, and Processing Times

All Transactions processed through the Exchange Services are subject to the fees, transaction limits, and indicative processing timeframes set out in the Fee Schedule, which is published and maintained separately on the Platform. The Fee Schedule forms an integral part of these Terms.

The applied Fee will be reflected to you upon confirming the transaction.

WB Technologies AG may amend the Fee Schedule at any time. If You do not agree with revised fees, You may cease using the Exchange Services before the changes take effect. Continued use after the effective date constitutes acceptance of the revised Fee Schedule.

You are responsible for reviewing the applicable Fee Schedule and any fees associated with a transaction before initiating such transaction on the Platform.

You may also incur charges from third parties outside WB Technologies AG's control, including intermediary bank or payment institution fees on wire transfers, blockchain network fees, and charges from Your own bank or payment provider. WB Technologies AG has no control over and accepts no responsibility for such third-party charges.

2.4 Service Availability

We are committed to ensuring continuous availability of the Exchange Services. However, access may be temporarily affected by scheduled maintenance (communicated in advance via the Platform), unforeseen technical issues, or force majeure events beyond our reasonable control. WB Technologies AG does not guarantee uninterrupted availability and does not guarantee that any Transaction will be completed within a specific timeframe.

2.5 Title Transfer

Upon receipt of Your fiat deposit and completion of applicable compliance checks, ownership of the received Fiat Currencies transfers to WB Technologies AG when You simultaneously acquire a corresponding fiat-equivalent balance on the Platform, which represents a contractual entitlement to equivalent value and is economically backed by crypto-assets held within the WhiteBIT Group infrastructure.

For withdrawals, upon confirmation of Your request and completion of compliance checks, WB Technologies AG transfers the corresponding fiat amount to Your verified bank account. Title to the disbursed funds transfers to You upon initiation of the outbound bank transfer.

The fiat-equivalent balance displayed on the Platform does not constitute a bank deposit, custodial holding, or e-money. It is not protected by any deposit guarantee scheme. WB Technologies AG does not hold fiat funds on Your behalf after completion of the exchange. The internal settlement arrangements between WB Technologies AG and other WhiteBIT Group entities do not create any direct legal relationship between You and such entities.

2.6 Display of Value

Any fiat-denominated amount displayed on the Platform following an exchange transaction represents the estimated market value of the User's crypto-asset position. It does not represent fiat funds held in custody by WB Technologies AG or any third party on behalf of the User. The underlying asset backing such displayed value is USDC/USDT/EURC, and the displayed fiat equivalent is indicative only, subject to market fluctuations.

3. Legal Structure

3.1 Exchange Provider

WB Technologies AG is a Swiss financial intermediary supervised by VQF under AMLA. Its activities are limited to fiat payment facilitation as described in Section 2. WB Technologies AG does not hold a banking licence and does not accept public deposits within the meaning of the Swiss Banking Act (BA; SR 952.0).

3.2 Role of the Platform

WhiteBIT.com provides the technology interface through which You access the Exchange Services. The Platform does not execute the fiat leg of Transactions. The Platform's liability is limited to its role under the Platform User Agreement.

3.3 Governing Law

These Terms are governed by Swiss law, without regard to conflict-of-laws principles. For non-Swiss consumers, mandatory consumer protection provisions of their country of habitual residence apply to the extent required by applicable law.

3.4 Relationship to Platform User Agreement

These Terms supplement the Platform User Agreement. They do not replace it. Matters relating specifically to the Exchange Services (fees, identity verification, data handling by WB Technologies AG) are governed by these Terms. All other matters are governed by the Platform User Agreement. In the event of any conflict between these Terms and the Platform User Agreement regarding the Exchange Services (including fees, identity verification, data handling, title transfer, and conversion mechanics), these Terms shall prevail. For all other matters, the Platform User Agreement prevails.

3.5 Custody of Crypto-Assets

WB Technologies AG does not provide custody of crypto-assets. Crypto-assets acquired through the Exchange Services are held by the WhiteBIT Group entity (the "Custodian"), a separate entity within the WhiteBIT Group. The relationship between the User and the Custodian is governed by the Platform User Agreement. WB Technologies AG bears no liability for acts or omissions of the Custodian.

3.6 Operational Infrastructure

WB Technologies AG utilises the trading and settlement infrastructure of the WhiteBIT platform to execute exchange and conversion transactions. WB Technologies AG maintains its own operational account within the Platform environment for this purpose. This arrangement does not create any direct relationship between the User and any non-Swiss entity for the purposes of the Exchange Services.

4. Eligibility

4.1 General Requirements

To use the Gateway Services, You must: (i) be at least 18 years of age (or the age of majority in Your jurisdiction); (ii) hold a valid, active Platform account in good standing; (iii) complete WB Technologies AG's identity verification measures applicable to the Gateway Services (see Section 5); and (iv) not be located, established, ordinarily resident, or otherwise connected (including through payment rails, counterparties, or other relevant nexus) to a jurisdiction where the provision of the Gateway Services is prohibited or materially restricted under applicable law, including Swiss sanctions measures administered by SECO.

4.2 Business Users

Legal entities must provide corporate documentation and undergo enhanced verification. Business accounts are subject to separate onboarding and may have different limits.

4.3 Geographic Restrictions

WB Technologies AG applies a risk-based approach to geographic eligibility consistent with Swiss AML/CFT legislation and applicable country risk classifications. Users with a nexus to jurisdictions classified as higher-risk may be subject to enhanced due diligence, additional documentation, transaction limitations, or restricted access. The Gateway Services are not available where (i) access would violate applicable law or Swiss sanctions measures, including SECO-administered restrictions, or (ii) the relevant risk level is assessed as unacceptable under WB Technologies AG's risk appetite. WB Technologies AG reserves the right to restrict or refuse access to the Gateway Services where required by law or where necessary to manage AML/CFT, sanctions, fraud, or banking/PSP partner risks.

Nationality may be considered as part of WB Technologies AG's risk assessment and may trigger enhanced due diligence, but does not, by itself, constitute an automatic prohibition unless required by applicable law or sanctions.

4.4 Prohibited Users

The Exchange Services may not be used by: individuals or entities on any applicable sanctions list (Swiss SECO, EU, UN, OFAC); Politically Exposed Persons; any person acting on behalf of an undisclosed third party; or any other customer with the unacceptable risk level/which does not fit to the company's risk appetite.

4.5 Service Transition

Users who previously accessed crypto-asset services through another entity within the WhiteBIT Group and who elect to use the Exchange Services acknowledge that: (a) the Exchange Services are provided by WB Technologies AG under these Terms and Swiss law; (b) no balances, positions, or obligations of the previous service provider are assumed by WB Technologies AG unless expressly confirmed in writing; (c) the User's election to use the Exchange Services constitutes a new, independent engagement with WB Technologies AG; (d) the User must satisfy WB Technologies AG's eligibility and verification requirements.

5. Identity Verification

5.1 Verification Requirement

WB Technologies AG is required under Swiss anti-money laundering legislation and the applicable VQF standards to verify the identity of Users prior to establishing a business relationship and/or enabling access to the Gateway Services. Verification may be performed (i) by WB Technologies AG directly, and/or (ii) by relying on an existing verification previously completed with another WhiteBIT group entity within the preceding twelve (12) months, provided that WB Technologies AG (a) receives the relevant KYC file and audit trail, (b) performs a plausibility and completeness review, and (c) confirms that the verification satisfies applicable Swiss requirements, based on its risk assessment.

(A) Minimum data required for identity verification

For the purposes of Swiss AML/KYC controls, the verification process will require, as applicable to the User type and risk profile:

1. Identity data (individual Users)
   • full legal name;
   • date of birth;
   • nationality/citizenship (where required by the Swiss KYC model);
   • residential address;
   • identity document details (type, number, issuing country, expiry date); and
   • biometric or liveness elements (where the selected method requires it).
2. Supporting information for risk assessment (risk-based) Depending on the applicable risk tier, WB Technologies AG may request additional data, including:
   • source of funds / source of wealth information;
   • transaction purpose / expected activity profile;
   • supporting documents (e.g., bank statements, payslips, contracts) as required by its compliance obligations.

(B) Verification / enhancement methods (process overview)

Where WB Technologies AG determines that an additional Swiss-specific identification step is required (including where the existing KYC file is incomplete, outdated, or otherwise insufficient for Swiss purposes), the User may be required to complete one or more of the following methods.

3. Video Identification
   A real-time video identification session may be performed either by trained personnel or via a qualified automated system. The process typically includes:
   • presentation of a valid identity document to the camera;
   • document authenticity checks (e.g., MRZ, visual security features, tamper detection);
   • a liveness check to confirm that the User is physically present; and
   • biometric comparison between the User's face and the identity document image.
   
   Typical outputs recorded in the KYC file:
   • identity document images/capture;
   • video/liveness result and verification status;
   • timestamps, verifier/system logs, and decision rationale.
4. NFC-enabled identity document scan with biometric authentication
   Where supported by the identity document, WB Technologies AG may require NFC chip reading. The process typically includes:
   • reading and validation of the encrypted NFC chip data;
   • integrity/authenticity verification of chip data; and
   • biometric/liveness confirmation (e.g., selfie liveness) to match chip identity to the User.
   
   Typical outputs recorded:
   • NFC read confirmation and extracted chip attributes (as permitted);
   • match/liveness decision logs.
5. Qualified Electronic Signature (QES)
   Where permitted by the applicable Swiss setup and the selected provider, WB Technologies AG may require a Qualified Electronic Signature. The process typically includes:
   • execution of a signature process through a qualified trust service provider;
   • linkage of the signature to the User's verified identity; and
   • retention of signature evidence and verification logs.
   
   Typical outputs recorded:
   • signature certificate evidence / validation report;
   • timestamps and logs proving identity assurance level.

6. Swiss Bank Transfer Method (verification via account ownership)

   WB Technologies AG may require a verification bank transfer from a personal bank account held in the User's name. The process typically includes:
   • the User sending a small verification transfer from their own account;
   • verification that the account holder name matches the verified identity;
   • verification of the bank jurisdiction (AML-equivalent) and transaction reference match; and
   • retention of transfer evidence within the KYC file.

(C) Ongoing right to request additional documentation

WB Technologies AG may request additional documentation and/or updated information at any time where required by applicable law, Swiss AML/CFT obligations, sanctions screening requirements, transaction monitoring outcomes, Travel Rule procedures, or its internal risk controls. Failure to provide requested information may result in refusal, suspension, or termination of the Gateway Services.

5.2 Personal Data Collected

For the purposes of identity verification and ongoing compliance, WB Technologies AG collects the following categories of personal data:

• Identity Data: full name, date of birth, nationality, government-issued identification document details, photographs, and biometric data (for verification purposes).
• Contact Data: email address, telephone number, residential address.
• Financial Data: bank account details, source of funds, and source of wealth information (where applicable).
• Technical Data: IP address, device information, and consent timestamps.

WB Technologies AG may request additional documentation at any time as required by law or its compliance obligations. Failure to provide requested information within the specified timeframe may result in suspension or termination of Services.

All KYC and related compliance documentation and personal data collected by WB Technologies AG are stored and processed in Switzerland in accordance with applicable Swiss data protection laws and regulatory requirements.

5.3 Right to Refuse

WB Technologies AG reserves the right to refuse service to any applicant, and to suspend or terminate an existing relationship, to the extent permitted by applicable law and in accordance with WB Technologies AG's risk appetite and AML/CFT obligations. Where WB Technologies AG is legally restricted from providing further information (including due to AML/CFT confidentiality requirements and "tipping-off" restrictions), WB Technologies AG may limit or withhold the reasons for such decision.

5.4 Consequences of Non-Compliance

Failure to complete or maintain identity verification may result in:

• suspension or restriction of access to the Exchange Services;
• blocking of pending or future Transactions;
• freezing of associated funds;
• reporting to applicable regulatory or law enforcement authorities as required by Swiss law; or
• termination of access.

5.5 Data Retention

WB Technologies AG retains identity verification documentation and transaction records for the duration required by applicable Swiss law, including but not limited to the Anti-Money Laundering Act (AMLA) and the Swiss Code of Obligations. Retention periods commence upon termination of the business relationship and continue for as long as required by law or any ongoing legal or regulatory proceedings. Following expiry of the applicable retention period, data is securely deleted.

6. Data Protection

6.1 Legal Framework

WB Technologies AG processes personal data in compliance with the Swiss Federal Act on Data Protection (FADP; SR 235.1).

6.2 Purposes of Processing

Personal data is processed for:

• identity verification and AML/CFT compliance;
• provision and administration of the Exchange Services;
• fraud prevention and investigation;
• compliance with legal and regulatory obligations (including tax reporting under CRS/FATCA where applicable);
• communication regarding Your account and Transactions; and
• legitimate business interests, including risk management.

6.3 Data Sharing

Your data may be shared with:

• WB Technologies AG's affiliated entities (including the Platform operator) to the extent necessary for service provision;
• regulatory and supervisory authorities as required by law;
• third-party service providers (identity verification, banking, hosting) under appropriate data processing agreements. Information on how such providers process your data is available on their respective websites: for example, Sumsub's privacy policy at sumsub.com;
• law enforcement authorities pursuant to applicable law or court order;
• where You are transitioning from services provided by another WhiteBIT group entity, WB Technologies AG may receive personal data collected by that entity for the purposes of continuity of identity verification and compliance, subject to applicable data protection law and appropriate data transfer safeguards.

6.4 Your Rights

Subject to legal limitations (including mandatory AML data retention), You have the right to:

• access, rectify, or request deletion of Your personal data;
• receive Your data in a portable format;
• object to processing based on legitimate interests; and
• withdraw consent (which may result in termination of Services).

Contact the Data Protection Officer at dpo@whitebit.com.

6.5 Privacy Notice

WB Technologies AG's detailed Privacy Policy forms an integral part of these Terms. In case of conflict on data protection matters, the Privacy Notice prevails.

7. Transaction Processing

7.1 Transaction Lifecycle

Each Transaction follows a defined lifecycle:

1. You submit the request via the Platform;
2. You confirm that you are aware that fiat settlement will be executed by WB Technologies AG through regulated Swiss financial institutions;
3. WB Technologies AG performs applicable compliance and limit checks;
4. The transaction is executed through WB Technologies AG's regulated banking partner; and
5. Upon completion, funds are credited or debited and a confirmation is sent*.

*You may track Transaction status via the Platform dashboard.

7.2 Rejected Transactions

Transactions may be rejected for reasons including: exceeding applicable limits, insufficient funds, invalid payment details, technical errors, or suspected prohibited activity. WB Technologies AG will use reasonable efforts to notify you of the reason, subject to applicable legal restrictions on disclosure. Where a refund applies, it will be processed as soon as reasonably practicable, subject to any hold, freeze, or reporting obligation imposed under Swiss AML/CFT law. Fees for failed transactions may still apply per the Fee Schedule.

7.3 Irreversibility

For fiat Transactions, chargebacks may be initiated through Your bank. WB Technologies AG will cooperate with reasonable investigations and may place a hold on disputed amounts.

8. Prohibited Activities

You must not use the Exchange Services for:

• Money laundering, terrorist financing, or proliferation financing.
• Transactions involving sanctioned persons, entities, or jurisdictions.
• Fraud, identity theft, impersonation, or misrepresentation.
• Market manipulation, wash trading, or other forms of market abuse.
• Transactions on behalf of undisclosed third parties.
• Use of stolen, unauthorised, or fraudulently obtained payment methods or Crypto Assets.
• Interactions with services designed to obscure transaction origins (mixing, tumbling).
• Any activity that violates applicable Swiss or other relevant laws.

Consequences of Prohibited Activity or Non-Compliance: If You engage in prohibited activity, fail to complete verification, or otherwise breach these Terms, WB Technologies AG may, without prior notice: suspend or permanently terminate Your access to the Exchange Services; freeze funds pending investigation; file mandatory reports with competent authorities; and/or initiate legal proceedings. No refund or compensation is payable in such circumstances.

9. Risk Disclosures

Cryptocurrency Risks. Crypto Asset values can fluctuate dramatically. You may lose a substantial portion or all of Your investment. Blockchain transactions are irreversible. Crypto Assets are not covered by deposit guarantee or investor compensation schemes. Loss of private keys may result in permanent loss. Regulatory changes may adversely affect value, transferability, or legality. Technology risks include software vulnerabilities, hard forks, and smart contract failures.

Exchange and Conversion Risks. The exchange rate applied to Your transaction is determined at the time of confirmation. Market movements between initiation and settlement may affect the value received. Once an exchange transaction is confirmed and title has transferred, the transaction is final and cannot be reversed by WB Technologies AG. You bear the risk of crypto-asset price fluctuations from the moment of conversion.

Cross-Border Risks. Cross-border transactions involve exchange rate risk. Your legal rights may differ from those in Your home jurisdiction. Intermediary banks may impose additional fees and delays.

Third-Party and Operational Risks. WB Technologies AG relies on banking and payment partners and other third-party providers. WB Technologies AG accepts no liability for outages, failures, or losses caused by third parties and does not guarantee uninterrupted service.

No Advice. WB Technologies AG does not provide investment, legal, or tax advice. Seek independent professional advice before making financial decisions.

For the purposes of the Exchange Services, any fiat balance or fiat-denominated amount displayed on the Platform constitutes an internal accounting entry maintained within the Platform environment. Such display does not represent a bank deposit, a custodial account, or any segregated client account held by WB Technologies AG (or any third party) in the User's name, and is not protected by any deposit guarantee scheme.

The fiat deposit and withdrawal legs of transactions are executed via regulated banking and/or payment service partners, and may be subject to processing delays, intermediary bank fees, compliance checks, or restrictions required under applicable Swiss AML/CFT rules.

10. Liability and Indemnification

Limitation. To the maximum extent permitted by law, WB Technologies AG excludes liability for indirect, consequential, incidental, special, or punitive damages. WB Technologies AG's total aggregate liability shall not exceed the fees paid by You in the 12 months preceding the claim. Nothing excludes liability for fraud, wilful misconduct, gross negligence, or death/personal injury caused by negligence, where such exclusion is prohibited by law.

Exclusions. WB Technologies AG is not liable for: third-party service failures; market or exchange rate movements; User error (incorrect details, lost credentials); force majeure; or consequences of regulatory changes.

Indemnification. You indemnify WB Technologies AG and its affiliates, officers, and agents against claims, losses, and expenses (including legal fees) arising from: Your breach of these Terms; Your violation of law; third-party claims from Your use of the Services; or inaccurate information provided by You.

11. Suspension and Termination

Suspension. WB Technologies AG may suspend or restrict access at any time if required for AML/CFT compliance, regulatory inquiry, suspected breach, court order, or technical maintenance. Notice will be provided where reasonably possible and legally permitted.

Termination by You. You may terminate at any time by ceasing use and notifying WB Technologies AG in writing.

Termination by WB Technologies AG. With 30 days' written notice, or immediately in cases of breach, fraud, suspected prohibited activity, or regulatory requirement.

Effects. Pending Transactions will be completed or cancelled at WB Technologies AG's discretion. Sections 5.5, 6, 9, 10, 12, and 13 survive termination.

12. Dispute Resolution

These Terms are governed by Swiss law. The UN Convention on Contracts for the International Sale of Goods (CISG) is excluded.

If You have a dispute or complaint relating to the Exchange Services, You may contact WB Technologies AG through any of the following channels at Your discretion:

• Support: support@whitebit.com
• Formal Complaint: https://help.whitebit.com/hc/en-gb/requests/new

If Your complaint is not resolved to Your satisfaction, either party may propose mediation under the Swiss Rules of Commercial Mediation (Swiss Chambers' Arbitration Institution). If mediation is unsuccessful or not initiated within 60 days, disputes may be submitted to the competent courts of Switzerland.

Nothing in this section limits Your right to contact applicable regulatory or supervisory authorities at any time.

13. General Provisions

Amendments. WB Technologies AG reserves the right to amend these Terms at any time by publishing an updated version on the Platform. As you are required to review these Terms before each use, continued use of the Exchange Services following any update constitutes your acceptance of the amended Terms. You may terminate before the effective date if You disagree.

Assignment. WB Technologies AG may assign these Terms to any affiliate or successor without materially diminishing Your rights. You may not assign without prior written consent.

Severability. Invalid provisions are replaced by the nearest valid equivalent; remaining provisions continue in force.

No Waiver. Failure to enforce any provision is not a waiver. Waivers must be in writing.

Entire Agreement. These Terms, the Platform User Agreement, the Fee Schedule, and WB Technologies AG's Privacy Notice constitute the entire agreement regarding the Exchange Services.

Force Majeure. WB Technologies AG is not liable for failures or delays caused by circumstances beyond its reasonable control, including natural disasters, pandemics, war, government actions, cyberattacks, banking system failures, or blockchain disruptions.

Language. These Terms are in English. The English version prevails over any translation.

Contact Information

The services and products on this platform are not targeted, marketed, or actively promoted to residents of the European Economic Area (EEA). This platform operates strictly on a reverse solicitation basis in accordance with Article 68 of Regulation (EU) 2023/1114 (MiCAR) and Articles 2, 3, and 95 of the Swiss Financial Services Act (FinSA / FIDLEG). The provision of complex financial instruments, including but not limited to derivatives, futures, and CFDs is strictly restricted. In compliance with Articles 4 and 5 FinSA, these products are categorized as high-risk financial instruments. They are not intended for retail clients in Switzerland unless specific appropriateness assessments and statutory disclosure requirements are fully met.