Terms of Service

1. General

1.1 FIOR Digital only offers services of legal age, natural persons without PEP status, residing in a country supported by FIOR Digital (see appendix) and only concludes contracts with them.

1.2 The provisions of consumer protection law apply to consumer transactions, in particular the provisions of the Austrian Distance Selling and External Business Act (hereinafter referred to as “FAGG”) and, on a subsidiary basis, the provisions of the Austrian Consumer Protection Act. Consumers are natural (possibly also legal) persons and legal partnerships for whom the conclusion of a contract with FIOR Digital is not part of the operation of their company.

2. Customer

2.1 Persons interested in using FIOR Digital services must register with FIOR Digital by providing FIOR Digital with valid and truthful information in accordance with the registration process. A person who has successfully completed the registration process (which is confirmed by FIOR Digital) is hereinafter referred to as "customer".

2.2 In order to use the trading options of FIOR Digital, the FIOR Digital customer must verify his account. The verification processes and requirements depend primarily on the current security requirements, in particular AML considerations, and can – depending on the legal framework – change from time to time.

2.3 The customer ensures that he treats his password details confidentially, he only acts for himself and only opens the account for himself. It is forbidden to act as intermediary of any kind or trustee of any kind for third parties, or to grant a third party any form of access to his FIOR Digital account. In addition, only bank accounts in the customer's own name are permitted.

2.4 Persons who are US citizens or who are in the United States may not become a FIOR Digital customer. Depending on the respective local legal framework, FIOR Digital can also exclude other countries from FIOR Digital services. See list of supported countries (Appendix: Supported Countries).

2.5 The FIOR Digital customer must immediately update changes to his personal data (name, postal address, telephone and email address) (1) by email via a FIOR Digital system or (2) send it to FIOR Digital by registered mail. The customer is aware and accepts that FIOR Digital will always use the last email address and postal address provided by him, and that every message delivered to this email or postal address is deemed to have been lawfully delivered.

2.6 In order to become a customer of FIOR Digital, we need certain information. The customer is aware of this and hereby accepts that FIOR Digital can decide at its own discretion at what time it must provide copies of passports or ID cards and other information.

3. Purchase of Bitcoin

3.1 FIOR Digital offers the purchase of the virtual currency Bitcoin (BTC) with the legal fiat money Euro (€).

3.2 The customer must first upload a Fiat credit to the app by either withdrawing a corresponding euro (€) amount from their bank account by direct debit or the customer using SEPA bank transfer or standing order to transfer a corresponding euro (€) amount to the business account of FIOR Digital transfers - the amount received is displayed to the customer in his dashboard.

3.3 The minimum deposit amount is EUR 21.00.

3.4 The purchase on FIOR Digital takes place exclusively as follows: The customer has uploaded a corresponding Fiat credit to his FIOR Digital account. He then makes a binding purchase offer from BTC to FIOR Digital. In order to make such a binding offer, the customer must (1) fill in all the necessary data on the respective FIOR Digital trading screen in a valid and correct manner and (2) confirm the "Confirm" button. The customer is shown an estimate of the expected amount of BTC in the purchase process. After a successful purchase, the customer is shown the exact amount of the purchase in his dashboard.

3.5 Recurring purchases or hereinafter "savings plans" with FIOR Digital are made exclusively as follows: The customer makes a binding purchase offer for the regular and recurring purchase of Bitcoin to FIOR Digital. In order to make such a binding offer, the customer must (1) make all the necessary Fill in the data validly and correctly on the respective FIOR Digital trading screen and (2) confirm the "Confirm" button. As soon as FIOR Digital can post the incoming payment to the bank details displayed at the time of purchase (by transfer, standing order or direct debit mandate), FIOR Digital purchase of BTC for the entire transaction amount at the current BTC market price from FIOR Digital.

3.6 SEPA Direct Debit Mandate:
The respective payment amount is due for payment immediately and is due for collection at the respective debit time freely definable by FIOR Digital in advance. By using a SEPA direct debit mandate, the customer gives FIOR Digital or a company affiliated with FIOR Digital a revocable SEPA direct debit mandate in order to collect payments due from the account specified by the customer by means of recurring and regular SEPA direct debits. The customer confirms and accepts that the time of debiting the account specified can be up to ten days before the recurring purchase time specified by the customer. The customer hereby also authorizes his bank to redeem the direct debits. The customer's bank is also entitled to reject direct debits, especially if the customer's account does not have sufficient funds. The customer has the right, within 56 calendar days (8 weeks) from the date of the debit, to have a chargeback to his account without giving any reason ("return debit"). The conditions agreed with the customer's bank apply. Note: The claim due according to the final price accepted and confirmed within the framework of the savings plan remains in place even with a return debit. Since the customer is informed accordingly about the amount and the debit date, he revocably waives prior information prior to the execution of the direct debits. The customer is obliged to ensure that his account has sufficient funds on the due date. If collection via SEPA direct debit mandate is not possible (e.g. because the bank refuses or rejects the direct debit), the customer bears all costs arising therefrom (e.g. bank fees) and the customer authorizes FIOR Digital to carry out a direct debit again at a later point in time. The customer acknowledges and accepts that the first setup of a SEPA direct debit mandate can take up to ten calendar days from the transmission of the necessary data to FIOR Digital until it is fully implemented and direct debits can therefore be carried out.

3.7 Open orders must be paid within 14 days before FIOR Digital sends an email reminder. If no payment has been received after a total of 19 working days, FIOR Digital reserves the right to warn the customer in writing and to assign outstanding claims for collection or to cancel the order.

3.8 FIOR Digital reserves the right to exclude customers from further purchases at any time without giving reasons.

3.9 The minimum purchase amount is EUR 15.00.

3.10 A fee is retained for the purchase of Bitcoin. The fee is depending on the investment amount and is retained when buying / selling FIOR Digital.

3.11 The customer accepts the Bitcoin exchange rate at the time of conversion. The current 21bitcoin reference rate can be viewed by the customer at any time on the website https://21bitcoin.app/ or in the 21bitcoin app.

3.12 The processing of the order and the transmission of further information takes place via screen output in the app and also via email. The customer must ensure that the e-mail address he has stored is up-to-date, the receipt of e-mails is ensured and, in particular, is not prevented by SPAM filters.

3.13 Any costs incurred by credit institutions (e.g. fees for transfers or booking lines) are to be borne by the customer.

3.14 Bitcoin network fees (fees for processing transactions in the Bitcoin network, called “mining fees”) are to be borne by the customer.

3.15 The customer undertakes to check his wallet address again before submitting the order, since after the transfer has taken place, Bitcoin can no longer be booked back or sent to another address.

3.16 FIOR Digital will initiate the withdrawal process immediately whenever possible and may require up to seven (7) business days after a withdrawal request is submitted to process the withdrawal.

3.17 The respective transaction ID is used as clear evidence of the successful sending of Bitcoin. The transaction can be viewed publicly at the following Internet address: https://mempool.space

4. Sale of Bitcoin

4.1 FIOR Digital offers the sale of the virtual currency Bitcoin (BTC) against the legal fiat money Euro (€).

4.2 The sale on FIOR Digital takes place exclusively as follows: The customer previously has a BTC credit in his FIOR Digital account. The customer then makes a binding offer to sell from BTC to FIOR Digital. In order to make such a binding offer, the customer must (1) fill in all the necessary data on the respective FIOR Digital trading screen in a valid and correct manner and (2) confirm the "Confirm" button. The customer is shown an estimate of the expected amount of euros in the sales process. After a successful sale, the customer is shown the exact amount of the sale in his dashboard.

4.3 Open orders must be paid within 14 days before FIOR Digital sends an email reminder. If no payment has been received after a total of 19 working days, FIOR Digital reserves the right to remind the customer in writing and to assign outstanding claims for collection or to cancel the order.

4.4 FIOR Digital reserves the right to exclude customers from further sales at any time without giving reasons.

4.5 The minimum sale amount is displayed in the sale screen.

4.6 A fee is retained for the sale of Bitcoin. The fee is shown to the customer in an overview before the actual sale on the respective trading screen and is retained by FIOR Digital when the sale is made.

4.7 The customer accepts the bitcoin exchange rate at the time of conversion. The current Bitcoin reference rate can be viewed by the customer at any time on the FIOR digital platforms and before each sale on the respective trading screen.

4.8 The processing of the order and the transmission of further information takes place via screen output on the FIOR digital platform and also via email. The customer must ensure that the e-mail address he has stored is up-to-date, that the receipt of e-mails is ensured and, in particular, that it is not prevented by spam filters.

4.9 The customer can transfer his / her EUR balance (shown in the app's dashboard) to a verified SEPA bank account in the customer's name.

4.10 Any costs incurred by credit institutions (e.g. fees for transfers or booking lines) are to be borne by the customer.

5. Customer Account

5.1 FIOR Digital only allows one account per registered customer. Multiple accounts are prohibited. If a second account is created in addition to the existing one, FIOR Digital reserves the right to block the second account.

5.2 FIOR Digital reserves the right to block and / or block and / or close a customer account immediately and without further notification to the customer (including blocking a transaction, reversing a transaction, suspending a transaction).

5.2.1 FIOR Digital reserves the right to withhold a processing fee of 10% of the processed amount (maximum of EUR 500) or a minimum amount of EUR 50 in the event of reverse transactions in accordance with point 5.2.

6. FIOR Digital Trust Services

6.1 FIOR Digital GmbH is referred to as "trustee" in the following point 6. Customers are referred to as "trustors" in the following point 6. In accordance with the provisions below, the trustee will manage the customer assets in bitcoin and fiat money economically belonging to the trustor in trust for the customers. By clicking on the checkbox, the customer expressly appoints FIOR Digital as trustee and authorizes the trustee to appoint further proxies, agents, representatives or trustees in order to fulfill the obligations specified in this point 6.

6.2 Customers can transfer, sell and buy bitcoin without having to set up their own wallet on the blockchain. In order to make this possible, the trustee (FIOR Digital GmbH) offers trustee services for customer assets and manages the bitcoin and fiat funds held for customers in its own name, but on account of the customers ("FIOR Digital Trust Services”). Please note that at no time does FIOR Digital hold the private keys for Bitcoin purchased by customers; these are held by BitGo Inc. (“Custodian”). The custodian acts as trustee for FIOR Digital.

6.3 Conditions and Scope of FIOR Digital Trust Services.
As a trustor, you are the beneficial owner of your customer assets at all times and the trustee is, under Austrian civil law, in his function as a trustee, the civil law owner of your customer assets, who, due to his special obligatory relationship with the trustor, only in a specific manner specified by the trustee order and in the interests of the trustor may act. The Trustee and the Client are bound by the following Escrow Agreement (“Trust Deed”):

6.3.1 The FIOR Digital Trust Services – and therefore the Escrow Agreement – ​​are subject to the successful completion of the Client Verification Process and the other terms of the TOS. In addition, the Escrow Services are subject to additional requirements communicated to the Client upon or after the deposit of Client Funds, such as providing evidence of the origin of funds in accordance with, and limited by, Anti-Money Laundering Regulations.

6.3.2 The trust consists of all Client Funds for Bitcoin and fiat money credited to your fiat money and bitcoin account (“Customer Assets”) as a direct result of:

6.3.2.1 a purchase or sale processed through the FIOR Digital systems;

6.3.2.2 a transfer other than as provided in point 3.2.1 circumstances mentioned, if either no proof of the cover is requested gt or if you have provided sufficient proof of coverage.

6.3.3 For the avoidance of doubt, any assets that cannot be credited to either your fiat or bitcoin account for any reason (e.g. if you make a transfer and cannot provide satisfactory proof of funds) do not constitute escrow and are therefore not subject to the trust agreement.

6.3.4 The trust relationship is unilateral and the trustee, in his capacity as trustee, holds the trust property at all times in your interest and for your account. The trustee offers FIOR Digital escrow services to all of its clients (the trustee acts as trustee for several clients at the same time) and may also hold or trade its own bitcoin. You hereby release the Trustee from any self-dealing and dual agency restrictions (pursuant to Section 1009 of the General Civil Code or otherwise) in connection with its capacity as Trustee and the other services it offers on the FIOR Digital Systems.

6.3.5 Subject to the fulfillment of the above requirements, the Escrow Agreement will commence on the day a (part of) Client Funds is allocated in your Fiat Money or Bitcoin Account and will be concluded indefinitely. The trust agreement ends automatically as soon as all customer assets have been withdrawn from your fiat money or bitcoin account.

6.3.6 The trust agreement may be terminated at any time by giving two weeks written notice to the other party. In addition, each party can terminate the contract with immediate effect for good cause.

6.3.7 Without prejudice to other termination rights, the trust agreement with FIOR Digital GmbH can be terminated with immediate effect if Bitcoin, which is part of the customer's assets, is classified at any time as a financial instrument or similar regulated instrument under Austrian law.

6.3.8 The amount of client assets that the trustee is managing for you is displayed via the FIOR Digital System. The trustee undertakes to protect your customer assets to the extent that is technically feasible in the FIOR Digital systems. However, the trustee is under no obligation to hold client assets in any particular form or system.

6.3.9 The customer retains control of all customer assets displayed in his fiat money or bitcoin account and can – subject to the conditions and restrictions set out in these FIOR Digital GmbH – dispose of the escrow property at any time, for example by transferring it to a wallet address outside the FIOR Digital systems. FIOR Digital will then issue a corresponding order to the custodian.

6.3.10 The purpose of the Trust Deed is to provide a legal framework for the technical services provided by the Trustee in relation to your client assets. The Trustee, in its capacity as trustee, is not acting as an asset manager, investment adviser, portfolio manager or any similar capacity and save as may be required by any mandatory statute, court order or judgment or similar direction of any public authority which is binding on the Trustee, does not participate actively in transactions and does not make observations or inquiries in relation to the Trust Funds.

6.3.11 As the beneficial owner of client assets, you bear the entire risk of loss (actual, legal and/or economic) of such client assets, in particular each of the risks mentioned in point 9 of the GTC. Any liability of the trustee from or in connection with FIOR Digital Trust Services is limited in accordance with point 9 of the FIOR Digital General Terms and Conditions.

6.4 Costs. As long as you are a customer, you can use the FIOR Digital Trust Services free of charge. However, should a person cease to be a client and refuse to withdraw their assets within a period of 14 days after termination of the contractual relationship, the trustee is entitled to charge fees of 0.1% of the value of the client assets held in custody, up to a maximum of EUR 30, 00 per month for the use of the FIOR Digital Trust Services. Please note that these fees apply in addition to and independently of any other fees that are expressly agreed in other points of these FIOR Digital GmbH Terms.

7. Right of Withdrawal

7.1 Right of withdrawal. If the customer is a consumer, he has the right according to § 11 FAGG to withdraw from this contract for the use of the platform within 14 days without giving a reason. The withdrawal period begins after the conclusion of the contract and receipt of these terms and conditions on a durable medium. In order to exercise his right of withdrawal, the customer must inform FIOR Digital by means of a clear statement that he is withdrawing from the contract (e.g. "I would like to close my account"). In order to meet the withdrawal period, it is sufficient for the customer to send the notification of the exercise of the sends the right of withdrawal before the deadline, for example by email to support@fior.digital 

7.1 Exception to the right of withdrawal With regard to services that the customer uses from FIOR Digital that have virtual currencies as their object, the price of which is subject to fluctuations on the Financial market depends on which FIOR Digital has no influence and which can occur within the withdrawal period, the customer has no right of withdrawal. 

7.3 Exclusion of the right of withdrawal. Customers also have no right of withdrawal according to § 18 Para. 1 Z 11 FAGG if FIOR Digital already has the performance in connection with a Service has commenced and (i) the Customer consents to commencement of performance prior to expiry of the return has expressly agreed to the deadline, (ii) the customer confirms that he loses his right of withdrawal due to the premature start of the performance, and (iii) FIOR Digital has issued the customer a corresponding confirmation. By clicking on a correspondingly designated button on the platform, the customer requires FIOR Digital to execute the contract immediately and acknowledges that he loses his right of withdrawal upon full performance.

8. Disclaimer of Liability

8.1 FIOR Digital assumes no liability for fluctuations in the value of the customer's BTC credit.

8.2 FIOR Digital is not liable for financial losses in connection with the customer's digital wallet. The customer is ultimately responsible for accessing and managing their own digital wallet. The customer is always responsible for the security of their own digital wallet.

9. Privacy

9.1 FIOR Digital fulfills the GDPR measures in accordance with the data protection regulations as part of the agreed service provision.

9.2 For detailed information on data protection, please refer to the FIOR Digital data protection declaration, which can be viewed at https://21bitcoin.app/en/privacy/.

10. Risks

10.1 By using the services of FIOR Digital, the customer acknowledges that the value of Bitcoin (BTC) can fluctuate and that there is no guarantee that the value of Bitcoin (BTC) will increase compared to legal currencies such as the euro. FIOR Digital assumes no liability for fluctuations in the customer's Bitcoin (BTC) inventory. FIOR Digital will not provide any services if the customer has not transferred money to FIOR Digital's bank account. FIOR Digital will not deposit transferred funds in Bitcoin (BTC) if the Bitcoin mining fees are >10% of the transferred funds. In this case, FIOR Digital waits until the participant has transferred additional money or the transaction costs have fallen to <10%. FIOR Digital always reserves the right to suspend and / or discontinue its services if fraud and / or abuse is suspected.

11. Refer Friends Program

11.1 FIOR Digital GmbH (hereinafter referred to as “FIOR Digital”, “we” or “our”) offers FIOR Digital customers to participate in the "Refer a Friend" program. The “Refer a Friend Program” is offered by FIOR Digital exclusively and conducted on the mobile application operated by FIOR Digital (the “21bitcoin App”). By participating in the "Refer a Friend Program" (hereinafter "Program"), the customer accepts the following General Conditions of Participation. The program is offered until further notice and may be terminated or modified without notice.

11.2 Scope and Conditions of the Program

11.2.1 We offer existing customers (“Customer”) the opportunity to participate in the Program. A customer can participate in the program by sending their personal referral code, which they receive from us (“Referral Code”), to friends and acquaintances (“Invitees”). The customer will only receive a referral code if he has unrestricted access to his active FIOR Digital account.

11.2.2 The customer and the invited person must be a natural person, have successfully completed the customer verification process and have complied with all other provisions of the FIOR Digital T&Cs.

11.2.3 Clients and invitees residing in certain jurisdictions or countries may be excluded from participating in the program for regulatory reasons, for example.

11.2.4 The invited person must not have previously registered to open a FIOR Digital account or have previously been a customer of FIOR Digital.

11.2.5 Each invitee can only use one referral code. A combination of two or more referral codes is not possible.

11.2.6 Participation in the program is voluntary and free of charge for the customer and the invited person(s).

11.2.7 The customer and invitee cannot be the same person.

11.2.8 The customer making the recommendation must ensure that the invitation is only sent to people who agree to receive it.

11.3 Program Benefits and Special Conditions

11.3.1 The Invited Person will receive a reduction in trading fees on purchases and sales of Bitcoin (“Fee Reduction”).

11.3.2 The Referrer will receive a reward (“Reward”) when the Invited Person makes a Bitcoin purchase through the 21bitcoin App. The bounty is a fixed percentage of the netrevenue that FIOR Digital earns when the invitee makes a purchase of Bitcoin. (“Revenue Share”).

11.3.2 The conditions and discounts of the program can be adjusted or terminated at any time and without prior notice by FIOR Digital. The currently applicable conditions can be seen on the page of the “Refer a Friend Program” (“Page”). If no conditions are visible on the page, the invited person will receive a fee reduction of 0.2% of the FIOR Digital basic fee for buying and selling Bitcoin. The referring customer receives 20% of the net revenue that FIOR Digital and sells Bitcoin when the invited person receives in fees (revenue share).

11.4 Crediting of the Bonus

11.4.1 Each bonus is credited to the customer on a temporary and separate digital FIOR Digital account.

11.4.2 The bonus(es) will be credited to the FIOR Digital customer account from an accumulated bonus amount of EUR 15 and will be credited at the latest in the following month in which the minimum amount of the credit was exceeded.

11.4.3 As part of the credit, the reward(s) will be converted into Bitcoin and credited to the customer's FIOR Digital Wallet. The exchange rate EUR/BTC and the FIOR Digital basic fee for the purchase of Bitcoin at the time of the bonus credit apply. 

11.4.4 If the credit is below the minimum amount of EUR 15.00, the customer has no right of disposal or premium. If the premium does not reach the minimum amount of EUR 15.00 within 360 days, the entitlement to the premium expires.

11.4.5 The maximum amount of reward that a customer can achieve within 360 days is EUR 450.00. Any further claims are forfeited.

11.4.6 The crediting of the bonus requires that at the time of the crediting the customer has an active FIOR Digital account and has not been blocked, suspended or closed.

11.4.7 Depending on the tax laws, rewards from the program are taxable by the customer in the respective country in which the customer has his tax residence. 

11.5 Improper Conduct

11.5.1 The customer may only use the referral code for private purposes and not for commercial activities, in particular not for paid promotions such as online advertising. In addition, the customer is not permitted to publicly disseminate on websites, in particular on blogs and voucher websites, which primarily serve to solicit bonuses. In addition, the customer is prohibited from sending bulk emails, short messages or messages to persons whom the customer does not know, or using automated systems or bots to disseminate the referral code.

11.5.2 We can refuse the participation of customers and invited persons for factual reasons. We reserve the right to refuse to pay out bonuses or to reclaim them if we identify an act that is abusive or violates our General Conditions of Participation or our General Terms and Conditions.

11.5.3 Customers acknowledge and agree that they are participating in the Program as a customer on their own behalf and for their own account. Any actions on behalf of or for FIOR Digital are prohibited (e.g. sending messages to persons on behalf of or on behalf of FIOR Digital, making postings or issuing statements on behalf of FIOR Digital, editing logos, Trademarks or other material of FIOR Digital Advertising discounts for FIOR Digital's Services (except for discounts published by FIOR Digital itself)

11.5.4 Prohibiting pay-per-click or search engine marketing. Any customer shall refrain from Use pay-per-click (PPC) or search engine marketing (SEM) methods, including but not limited to: Google Adwords, Bing Ads when (i) advertising on behalf of FIOR Digital and users as a result of such paid advertising are routed directly to FIOR Digital systems, the Promoter's website or any other third party website, (ii) to FIOR Digital brand terms, including all forms of vo n spelling and typographical errors, (iii) FIOR Digital brand terms, including all spelling and typographical errors, are used in the paid ad copy and/or images, or (iv) competed directly with FIOR Digital advertisements to advertise on the to be displayed on search results pages.

12. FIOR Digital Voucher

12.1 FIOR Digital offers the purchase of a FIOR Digital voucher, short "voucher" or "coupon", with a legal FIAT money, for example Euro (€).

12.2 The customer ("sender") can purchase a voucher from FIOR Digital and instructs FIOR Digital that the voucher amount ("amount") will be deducted from his FIOR Digital FIAT money balance once the voucher is redeemed by a customer ("recipient"). After the sender has confirmed the voucher purchase by clicking the button, the sender instructs FIOR Digital to block the amount on his/her FIOR Digital FIAT credit. This hold will be lifted once the voucher has not been redeemed within 90 days of the issue date or if the sender cancels the voucher through FIOR Digital before the recipient redeems the voucher. When the recipient redeems the voucher, the amount will be withdrawn from the sender's FIOR Digital FIAT balance.

12.3 The sender must have sufficient FIAT credit in his/her FIOR Digital FIAT balance at the time of creation or purchase and redemption of the voucher.

12.4 The voucher can only be redeemed by customers at FIOR Digital.

12.5 As soon as the recipient redeems the voucher at FIOR Digital, FIOR Digital will credit the amount specified in FIAT money to the recipient's FIOR Digital FIAT balance or FIOR Digital will perform the exchange into a virtual currency for the entire amount at the current market price of FIOR Digital, less the FIOR Digital fees (see point 3. Purchase of Bitcoin).

12.6 Both sender and recipient must be customers of FIOR Digital with active accounts without active restrictions. If the recipient is not a FIOR Digital customer, the recipient must open a fully verified and active account with FIOR Digital before redeeming the voucher.

12.7 The maximum amount of a voucher and the number of vouchers a sender may purchase or a recipient may receive may be subject to limitations, which FIOR Digital determines in its sole discretion and may change at any time.

12.8 FIOR Digital reserves the right to block customers from purchasing or redeeming a voucher, cancel or revoke a voucher if FIOR Digital determines, in its sole discretion, that fraudulent activity or a violation of the terms and conditions may have occurred in connection with the voucher.

12.9 A voucher is not reloadable and is valid for 90 days from the date of issue. After the expiration of the validity period of the voucher, the amount will be credited back to the sender's FIOR Digital FIAT balance if the voucher has not been redeemed.

12.10 By purchasing and using a voucher, the customer agrees to these terms and conditions.

13. Other

13.1 FIOR Digital manages the FIOR Digital systems with the necessary care. Nonetheless, fiat and virtual currency exchange systems combine various new experimental technologies and are very likely to experience interruptions, errors, and other problems. FIOR Digital does not guarantee to resolve such issues as quickly as possible. FIOR Digital will try to find solutions, but assumes no such obligation and no liability for damage caused by interruptions in the FIOR Digital systems, as such interruptions are inherent in an experimental area of ​​technology.

13.2 The customer is aware that technology-based systems such as FIOR Digital Systems require maintenance and development work and that interruptions in the systems (planned and unplanned) are necessary and inherent in the system for such work.

13.3 Spamming, cold calling or any other intrusive advertising is strictly prohibited.

13.4 Any act on behalf of FIOR Digital is prohibited (e.g. sending messages on behalf of or on behalf of FIOR Digital to persons, posting or publishing statements on behalf of FIOR Digital, editing the logo, trademarks or other materials of FIOR Digital, Promotion of discounts for the services of FIOR Digital (with the exception of discounts published by FIOR Digital itself).

13.5 FIOR Digital has the right to pass on information to a competent authority if this is requested by the authority for prosecution or investigation in accordance with the Austrian Criminal Code (StGB). FIOR Digital reserves the right to cooperate with these authorities as much as possible.

13.6 With every transaction, the customer accepts and confirms these terms and conditions in the current version.

13.7 Changes and additions to these terms and conditions can be made by FIOR Digital at any time and will take effect at the earlier occurrence: (1) the customer has accepted the changed terms and conditions online or in the app or (2) within 1 month of the publication of the terms and conditions Changes or additions.

13.8 These terms and conditions are subject to Austrian law to the exclusion of the reference norms of international private law. The application of the UN sales law is excluded. For disputes arising from or in connection with these terms and conditions or a contract concluded with FIOR Digital on the basis of these terms and conditions, the relevant court in Salzburg or, in the case of contracts with consumers, the respective court of residence of the consumer is exclusively responsible.