1.1 These Terms and Conditions ("Terms") govern your use of the services provided by Snowflow Capital Ltd ("Snowflow", "we", "us", "our"), a company registered in England and Wales under company number 16307119.
1.2 Our registered office is: International House, 10 Beaufort Court, Admirals Way, London, Greater London, England, E14 9XL.
1.3 Our email address is: info@snowflow.co.uk.
1.4 Snowflow Capital Ltd is authorised or registered by the Financial Conduct Authority under reference number [FCA FRN]. [Amend this statement to reflect your actual regulatory status.]
3.1 You must be at least 18 years old and not be prohibited by law from using our Services.
3.2 If you are a business, you must be validly incorporated and provide all requested due diligence information. We may refuse to open an account or provide Services at our discretion.
4.1 You must provide accurate, complete and up-to-date information and documents for identity and address verification, beneficial ownership, source of funds or wealth, business activity and purpose of account, and tax identification.
4.2 We may perform credit, fraud, sanctions, politically exposed person and anti-money laundering checks. We may refuse to open an account where these checks are not satisfactory.
5.1 We may provide multi-currency business accounts. You must use the business account only for legitimate business purposes.
5.2 We may set transaction limits, hold funds for review, or require additional information before processing a transaction. We may refuse to process transactions that we reasonably suspect are unlawful or unauthorised.
6.1 Personal accounts are for personal use only. You must not use a personal account for business purposes unless we agree otherwise.
6.2 We may set limits on balances, transactions and transfers for personal accounts.
7.1 Cards are issued by [Card Issuer Name] under licence. You must keep your card secure and never share your PIN or card details with unauthorised persons.
7.2 You must notify us immediately if your card is lost, stolen or compromised. Provided you have not acted fraudulently or with gross negligence, your liability for unauthorised card transactions may be limited under the Payment Services Regulations 2017.
7.3 We may suspend, restrict or cancel a card at any time for security or regulatory reasons.
8.1 You may use the online payment portal to initiate, receive and manage payments.
8.2 You must provide correct payee and payment details. We are not liable for losses caused by incorrect details provided by you, unless caused by our error.
8.3 Payment Orders are generally irrevocable once received. If you report an unauthorised or incorrectly executed payment, we may refund where required by the Payment Services Regulations 2017, subject to investigation.
9.1 We may offer spot foreign exchange conversions.
9.2 Exchange rates, fees and settlement times will be shown before you confirm a conversion. FX rates may change quickly, and you are responsible for your conversion decisions.
10.1 We may enable buying, selling, holding and transferring cryptoassets.
10.2 Cryptoassets are highly volatile and speculative. The value of cryptoassets can fall significantly and may fall to zero. You acknowledge that:
10.3 You must not use our crypto trading services for illegal activities. We may suspend or reject crypto transactions to comply with anti-money laundering, counter-terrorist financing, sanctions or other legal obligations.
11.1 You agree to pay all applicable Fees. Fees may be deducted from your account or added to a transaction.
11.2 We may change Fees by giving at least [30] days' notice. Continued use of the Services after the change takes effect constitutes acceptance.
You must:
You must not use the Services for:
14.1 We may suspend, restrict or terminate your access to the Services without notice if we suspect fraud, breach of law or breach of these Terms, or if required by law.
14.2 We may close your account by giving [30] days' notice. You may close your account by contacting us, subject to any outstanding obligations.
15.1 We are not liable for losses caused by your breach of these Terms, losses caused by third parties, losses caused by market movements, crypto volatility or FX fluctuations, indirect or consequential losses, or events outside our reasonable control.
15.2 Our total liability for any claim is limited to the value of the relevant transaction or [insert amount], where permitted by law. Nothing limits our liability for fraud, death or personal injury caused by negligence.
16.1 We process personal data in accordance with our Privacy Policy.
17.1 If you are unhappy with our Services, please contact us using the details in our Complaints and Regulatory Information page. If your complaint is not resolved, you may refer it to the Financial Ombudsman Service where eligible.
18.1 We may change these Terms by giving at least [30] days' notice. Continued use of the Services after the change takes effect constitutes acceptance.
19.1 These Terms are governed by English law and are subject to the exclusive jurisdiction of the English courts.