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TERMS & CONDITIONS

Last updated: 26-04-2024

By registering an account with Steven AB, you agree and comply by the following
Terms of Use as amended from time to time. These Terms, together with our
Privacy Policy, and any other terms and conditions referred to therein, form the
legal relationship between you and us. You are advised to print or download and
keep a copy of these Terms for future reference.

We are Steven AB, a Swedish fintech company licensed and registered as an
electronic money institution with the Swedish Financial Supervisory Authority
(Sw. Finansinspektionen) with the authority to issue electronic money and to
provide payment services. Our registered address is Sturegatan 4, 3 tr, 102 44
Stockholm, Sweden. Our company registration number is 559026-5673, and our
registered institution number with the Swedish Financial Supervisory Authority
is 48004.

Demands on the Steven account holder. You must:

 * Must act on behalf of yourself, you are not allowed to register or use Steven
   on behalf on anyone else; and
 * Notify us if any information regarding you or your account should change.


YOUR STEVEN ACCOUNT

 * Your account is denominated in a currency of your choice, as selected by you.
 * In order to use our services, you must first open an account by registering
   your details. As part of the signup process you will need to accept these
   Terms and our Privacy Policy.
 * You may only open one account.
 * You may only open an account if it is legal to do so in your country of
   residence. By opening an account you represent and warrant to us that it does
   not violate any laws or regulations applicable to you. You shall indemnify us
   against any losses we incur in connection with your breach of this section.
 * You may only register or use Steven on behalf of yourself.
 * All information you provide during the signup process, or any time thereafter
   must be accurate and truthful.
 * You are allowed to use your account for corporate purposes only.
 * You may close it at no cost by contacting customer service.


COLLECTION OF INFORMATION

 * Financial institutions are required to assist in the fight against money
   laundering activities and the funding of terrorism by obtaining, verifying,
   and recording identifying information about all customers. We may therefore
   ask you to supply us with personal identifying information relating to you,
   and we may also legally consult other sources to obtain information about
   you.
 * We will verify your corporate address and personal data of your directors,
   your authorised persons, as well as any partner, persons with significant
   control over your business, or beneficial owners in order to confirm your
   identity. We may also pass the aforementioned personal data to a credit
   reference agency, which may keep a record of that information. This is done
   only to confirm your identity, we do not perform credit checks and therefore
   your credit rating will be unaffected. We may also need to verify the
   identity of a recipient in the same way. All information provided by you is
   treated securely and strictly in accordance with all applicable laws. We may
   do this directly, for example by asking you for additional information, or
   asking you to take steps to confirm ownership of your accounts or email
   address; or indirectly, for example by verifying your information against
   third party databases or through other sources.
 * If you do not provide the documents, we request in order to carry out our
   verification and checks, we have the right to suspend your account
   registration process.


USING YOUR ACCOUNT

 * You must ensure that the information recorded on your account is always
   accurate and up to date and we shall not be liable for any loss arising out
   of your failure to do so. We may ask you at any time to confirm the accuracy
   of your information or to provide documents or other evidence.
 * We may contact you by phone or via email with information or notices
   regarding your account. It is your responsibility to regularly check the
   proper functioning of your email account or other methods of communication
   that you have registered to retrieve and read messages promptly. We shall not
   be liable for any loss arising out of your failure to do so.


CLOSING YOUR ACCOUNT

 * You may close your account at any time by contacting customer service.


ACCOUNT SAFETY

 * You must take all reasonable steps to keep your account safe at all times and
   never disclose passwords or passcodes to anyone. Our personnel will never ask
   you to provide your password or passcode to us or to a third party. It is
   advisable to change your password and/or passcode regularly (every six (6)
   months) in order to reduce the risk of a security breach. You must never
   allow anyone to access your account or watch you accessing your account.
 * If you have any indication or suspicion of your account, login details,
   password or other security feature being lost, stolen, used without
   authorization or otherwise compromised, you are advised to change them. You
   must contact customer service without undue delay on becoming aware of any
   loss, theft or unauthorized use of your account, login details, password or
   other security features.
 * We may suspend your account or otherwise restrict its functionality on
   reasonable grounds relating to the security of the account or any of its
   security features or if we reasonably suspect that an unauthorized or
   fraudulent use of your account has occurred or that any of its security
   features have been compromised. We will notify you of any suspension or
   restriction and of the reasons for such suspension or restriction in advance
   or, where we are unable to do so, immediately after the suspension or
   restriction has been imposed, unless notifying you would be unlawful or
   compromise our reasonable security interests. We will lift the suspension
   and/or the restriction as soon as practicable after the reasons for the
   suspension and/or restriction have ceased to exist.
 * You must take all reasonable care to ensure that your e-mail account(s) are
   secure and only accessed by you, as your e-mail address may be used to reset
   passwords or to communicate with you about the security of your account.
 * In case any of the e-mail addresses registered with your accounts are
   compromised, you should without undue delay after becoming aware of this
   contact customer service and contact your e-mail service provider.
   Irrespective of whether you are using a shared or your own device to access
   your account, you must always ensure that your login details are not stored
   by the browser or cached or otherwise recorded.
 * Additional products or services you use may have additional security
   requirements and you must familiarize yourself with those as notified to you.


LIABILITY

 * We shall not be liable for any disruption or impairment of our service or for
   disruptions or impairments of intermediary services on which we rely for the
   performance of our obligations hereunder, if such disruption or impairment is
   due to abnormal and unforeseeable circumstances beyond our reasonable control
   or the control of the intermediary affected.
 * We shall not be liable for any indirect or consequential losses including but
   not limited to loss of profit, loss of business and loss of reputation. We
   shall not be liable for any losses arising from our compliance with legal and
   regulatory requirements.
 * Nothing in these Terms shall operate to exclude liability for death or
   personal injury due to negligence or for fraud or fraudulent
   misrepresentation or for any statutory liability that cannot be excluded or
   amended by agreement between the parties.
 * Indemnification/re-imbursement. You agree to defend, reimburse or compensate
   us and hold us and our other companies in our corporate group harmless from
   any claim, demand, expenses or costs (including legal fees, fines or
   penalties) that we incur or suffer due to or arising out of your or your
   agents' breach of these Terms, breach of any applicable law or regulation
   and/or use of the services. This provision shall survive termination of the
   relationship between you and us.


DATA

 * The processing of your data is governed by our Privacy Policy. By accepting
   these Terms, you also agree to the terms of our Privacy Policy. You should
   print and keep a copy of the Privacy Policy together with these Terms. Our
   Privacy Policy is available at https://www.getsteven.com/privacy
 * In accordance with our Privacy Policy, we may share your personal data within
   the Steven FS group in order to provide you with the best service. You
   explicitly consent to us accessing, processing and retaining your personal
   data and that of all of your representatives for the purposes of providing
   the payment services described in these Terms. We need your explicit consent
   as a result of certain rules which apply to us. This consent does not relate
   to how we process your personal data for other purposes, which are explained
   in our Privacy Policy.
 * In order to provide the Services to you, Steven works with suppliers and
   correspondent banking service providers. We normally share your personal data
   with:
   * Suppliers who provide us with IT, payment and card delivery services. For a
     complete list of our suppliers, please contact customer service.
   * Our banking and financial services partners, including banking and lending
     partners, banking intermediaries and international payment service
     providers.
 * As a default, we will send you communications via email that will inform you
   about new product features, events, promotions, special deals etc. By
   accepting these Terms, you agree to receive such notifications on a regular
   basis. If you do not wish to receive any notification from us, you can opt
   out at any time by contacting customer service.


TERMINATION

 * We may terminate your account or any payment service associated with it by
   giving you two months' prior notice. You may terminate your account with us
   at any time.
 * We may at any time suspend or terminate your account without notice in case:
   * you breach any condition of these Terms or any other condition applicable
     to specific services covered by separate terms and conditions;
   * you violate or we have reason to believe that you are in violation of any
     law or regulation that is applicable to your use of our services; or
   * we have reason to believe that you are in any way involved in any
     fraudulent activity, money laundering, terrorism financing or other
     criminal activity.
 * We may suspend your account at any time if:
   * we reasonably believe that your account has been compromised or for other
     security reasons; or<
   * we reasonably suspect your account to have been used or is being used
     without your authorization or fraudulently; and we shall notify you either
     prior to the suspension or, if prior notification is not possible under the
     circumstances, promptly after the suspension unless we are prohibited by
     law to notify you.


FEES

 * Any Fees related to the services will be clearly communicated to the user
   before applied. For clarity, the “Fees” section forms part of these
   Terms. Fees are subject to change in accordance with the section “Changes
   to these Terms of Use” below.


CHANGES TO THESE TERMS<

 * These Terms and any additional terms and conditions that may apply are
   subject to change. Changes will be implemented with prior notice from us
   under the procedure set forth in this section.
 * We shall give notice to you of any proposed change by contacting you via
   phone or email.
 * The proposed change shall come into effect two (2) months after the date of
   the change notice, unless you have given us notice that you object to the
   proposed changes before the changes come into effect. Changes that make these
   Terms more favourable to you shall come into effect immediately if so stated
   in the change notice. Changes to exchange rates shall come into effect
   immediately without notice and you shall not have the right to object to such
   a change.
 * If you object to the changes, they will not apply to you, however, any such
   objection shall constitute a notice by you to terminate and close your
   account.


HOW WE COMMUNICATE

 * We usually communicate to you via email. You are required to check for emails
   from us regularly and frequently. Any communication or notice sent will be
   deemed received by you on the same day.
 * Where legislation requires us to provide information to you on a durable
   medium, we will either send you an e-mail (with or without attachment) or
   send you a notification pointing you to information on our website in a way
   that enables you to retain the information in print format or other format
   that can be retained by you permanently for future reference. You are
   required to keep copies of all communications we send or make available to
   you.
 * You can request a copy of the current Terms or any other contractual document
   relevant to you by contacting customer service.
 * We will communicate to you in English and will always accept communications
   made to us in English. Documents or communications in any other languages are
   for convenience only and shall not constitute an obligation on us to conduct
   any further communication in that language.
 * We may contact you via email, letter or telephone, where appropriate. If you
   use any mobile services, we may communicate with you via SMS. Any
   communication or notice sent by post will be deemed received three days from
   the date of posting for Swedish post or within five days of posting for
   international post. Any communication or notice sent by SMS will be deemed
   received the same day.
 * You may contact us at any time by sending an email to customer service at
   info@getsteven.com


COMPLAINTS

 * Any complaints about us or the services we provide should be addressed to us
   in the first instance by contacting customer service. You should clearly
   indicate that you are wishing to make a complaint to us. This helps us to
   distinguish a complaint from a mere query. We send you a complaint
   acknowledgement via e-mail within 48 hours of receiving your complaint in
   accordance with our complaints procedure.
 * We endeavour to provide you with an answer or resolution to your complaint
   within the timeframes as outlined by the Financial Ombudsman Service. Should
   this not be possible due to unforeseen circumstances or lack of information,
   we will contact you.


MISCELLANEOUS

 * No person other than you shall have any rights under these Terms.
 * Your account is personal to you and you may not assign any rights under the
   Terms to any third party.
 * If any part of these Terms is found by a court of competent jurisdiction to
   be invalid, unlawful or unenforceable then such part shall be severed from
   the remainder of the Terms, which shall continue to be valid and enforceable
   to the fullest extent permitted by law.