Misc. Policies
- Preamble
- Privacy Policy
- Cookie Policy
- Pricing Policy
- Complaints Handling
1. Preamble
iQASH is a registered trademark and may not be used or reproduced without the owner's consent.
iQASH Ltd., a licensed financial institution under the European E-Money Directive (2009/110/EC), and ULTRUVA Ltd., a Class 1 licensed Virtual Financial Asset Service Provider regulated by MFSA under the VFA Act, 2018, and a sister company to iQASH, join forces to bridge the gap between centralized and decentralized finance.
You can check the Financial Services Register here.
Registered Office:
iQASH Ltd. & ULTRUVA Ltd.
72, Triq tal-Qroqq, L-Imsida, MSD 1702, Malta
(Financial Services)
Branch Office:
iQASH Ltd. & ULTRUVA Ltd.
Petersstr. 88, 47798 Krefeld, Germany
(Software Products)
Last Updated: January 1, 2024
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2. Privacy Policy
Our company, iQASH Ltd., and its sister company ULTRUVA Ltd. (collectively, "iQASH"), are committed to protecting the privacy of our users and outline our approach to data protection and compliance with the General Data Protection Regulation (GDPR). This Privacy Policy explains how we collect, use, and protect personal information. By using our services, users acknowledge that they have read, understood, and agreed to the terms of this privacy policy, and that they acknowledge that we will use their personal data for the purposes set out in this privacy policy. If users do not wish to provide their personal data on the basis set out in this privacy policy, they should not enter the relevant information on the website or provide their personal data to us in any other way. However, users understand that if they do not provide their personal data, we will not be able to provide them with our services.
Who are we?
iQASH Ltd. is the controller of your personal data pursuant to Article 4(7) GDPR. We're a company registered in Malta, and our address is 72, Triq-Tal-Qroqq, Msida. You can contact us by email at info@iqash.net or by phone at +356 275 695 42.
What personal data do we collect?
When you visit our website, we collect certain information about you, such as your IP address, the time and date of your visit, and the pages you looked at. We also collect information when you fill out a form or contact us, such as your name, email address, and message.
Why do we collect personal data?
We collect personal data for several reasons:
* To provide you with information or services that you request
* To improve our website and services
* To comply with legal obligations
* To protect our legal rights
How do we use personal data?
We use personal data in the following ways:
* To respond to your requests or inquiries
* To provide you with information or services that you request
* To improve our website and services
* To comply with legal obligations
* To protect our legal rights
Do we share personal data with others?
We may share personal data with our sister company, partners, or other third-party service providers who help us operate our business. We also may share personal data with law enforcement or other authorities if we're required to do so by law.
How long do we keep personal data?
We keep personal data for as long as we need it to fulfill the purpose for which it was collected. If you request that we delete your personal data, we will do so unless we're required to keep it by law.
What are your rights?
You have several rights regarding your personal data, including the right to access, correct, or delete it. You can also object to our processing of your personal data or request that we restrict its processing. If you want to exercise any of these rights, please contact us at info@iqash.net.
Where can you find more information?
You can find more information about data protection and privacy on the website of the Malta Data Protection Authority (IDPC) at https://www.idpc.gov.mt/.
By using our website or contacting us, you agree to our privacy policy. If you have any questions or concerns, please don't hesitate to contact us.
Last Updated: January 1, 2024
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3. Cookie Policy
At iQASH, we use cookies to enhance your browsing experience and provide personalized content. Cookies are small text files that are stored on your device when you visit our website. They help us analyze website traffic, remember your preferences, and optimize our website for a better user experience.
We use both session cookies, which are temporary and expire when you close your browser, and persistent cookies, which remain on your device for a longer period of time. These cookies may be set by us or by third-party services that we use, such as Google Analytics.
By using our website, you consent to the use of cookies as described in this policy. You can control and manage the use of cookies through your browser settings. However, please note that disabling cookies may affect the functionality of our website.
Last Updated: January 1, 2024
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4. Pricing Policy
For our Business Customers, iQASH has carefully designed a pricing policy that prioritizes convenience and value for money. We charge a fee of 0.50% for every incoming and outgoing SEPA wire transfer, with a minimum fee of €2.50 per transaction if the calculated fee is below that amount. Similarly, for every incoming and outgoing SWIFT wire transfer, we charge a fee of 0.75%, with a minimum fee of €5.50 if the calculated fee falls below that threshold. Additionally, for conversions between the Current Accounts and Crypto Wallets, we charge a fee of 1.5%. To cover the cost of maintaining and managing your dedicated EUR current accounts, we have a monthly fee of €250. For Crypto Custody, we charge a monthly management fee of 0.15% based on the assets held, along with an additional €1 per wallet to ensure the highest level of security. Furthermore, for account opening, including KYC/KYB (Know Your Customer/Know Your Business) and customer data verification, we have a one-time fee of €850. To enhance convenience for our valued business customers, we offer a downloadable summarized price list that provides a comprehensive overview of our pricing here.
For our Private Customers, iQASH applies a fee of 0.15% for both incoming and outgoing SEPA wire transfers. However, we have set a minimum fee of €1.50 per transaction if the calculated fee is below that amount. In the same manner, for incoming and outgoing SWIFT wire transfers, we charge a fee of 0.25% with a minimum fee of €2.50 if the calculated fee falls below that threshold. Additionally, for conversions between the Current Accounts and Crypto Wallets, there is a fee of 1.5%. To cover the cost of maintaining and managing your dedicated EUR current accounts, we have a monthly fee of €10. For Crypto Custody, there is a monthly management fee of 0.15% based on the assets held, along with an additional €1 per wallet to ensure the highest level of security. Moreover, for account opening, including KYC (Know Your Customer) and customer data verification, we have a one-time fee of €5. To provide convenience to our valued private customers, we offer a downloadable summarized price list that provides a comprehensive overview of our pricing here.
The issuing of debit cards costs €10 per account for both types of customers.
To ensure a customized pricing offer that caters to your specific needs, our pricing policy may vary for individual services and is subject to occasional changes. If you are interested in Software-as-a-Service (SaaS), we kindly ask you to reach out to our team to discuss your project and provide you with a tailored offer.
Last Updated: January 1, 2024
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5. Complaints Handling
iQASH ("We/Us") is committed to providing our customers ("You") with exceptional service and outstanding customer care. We highly value customer feedback and complaints as they help us improve our operations and services. If you have any complaints, please don't hesitate to contact us using the information provided below. We will make every effort to resolve your issue promptly.
Our goal is to maintain the highest standards of quality in our services, and we will take all necessary measures to prevent any recurring issues that may lead to complaints in the future.
How to Lodge a Complaint
If you are unsatisfied with our products and/or services, you can lodge a complaint by sending an email to: complaints@iqash.net. To help us address your complaint quickly, please ensure that your email includes a clear description of the facts surrounding your complaint and any supporting documents or evidence, if available. Additionally, please indicate what resolution or remediation you are seeking.
Once we receive your complaint, we will send you an acknowledgement email within two working days.
Handling Your Complaint
We will promptly investigate your complaint and strive to provide you with a final response within fifteen (15) working days from the date of complaint submission. In the unlikely event that we are unable to provide a final response within the expected timeframe, we will inform you about the reasons for the delay and give you an estimate of when the investigation will be completed.
Additional Options
If, after receiving our final decision, you are still dissatisfied and meet the eligibility criteria, you have the option to escalate your complaint to the Office of the Arbiter of Financial Services (‘Arbiter’).
Here are the contact details for the Arbiter:
Address: The Office of the Arbiter for Financial Services 1st Floor, St Calcedonius Square, Floriana FRN 1530 Malta
Website: https://financialarbiter.org.mt/oafs/complaint
Freephone: 8007 2366
Last Updated: January 1, 2024
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