Legal

Documents

1. Who we are

1.1 The Valtora brand

Valtora is the brand of Valtora Global Inc.. The Valtora name, website, platform, apps, logos and content belong to Valtora Global Inc. and its licensors. Using our services doesn't give you any right to use them except as our terms allow.

1.2 The company you contract with

"Valtora", "we", "us" and "our" in our documents mean Valtora Global Inc., unless a document says otherwise.

1.3 Our status

• Valtora Global Inc. is a financial technology company. It isn't a bank and doesn't take deposits.
• For accounts with IBANs and payments, Valtora Global Inc. acts as an introducer to Gemba Finance Limited, which provides the regulated payment services and is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804853).
• Where another service needs an authorisation, the partner that provides it holds its own, as section 3 sets out.
• We operate online only. We don't accept cash and have no branches.
• Money and crypto you hold through Valtora aren't covered by a deposit guarantee or investor compensation scheme, such as the UK Financial Services Compensation Scheme. The Crypto risk disclosure explains what that means.

2. What we do

Valtora gives approved business and personal clients one login for accounts, payments and crypto. Each service is available only where we've confirmed it for your country and business, and some are opened on request after a separate check. What's live today is listed on our website under Live now.

2.1 Accounts with IBANs and payments

A dedicated IBAN, USD and multi-currency account in your own name, opened on request at Gemba Finance Limited (section 3.1), used inside Valtora: balances, statements, UK payments (Faster Payments), SEPA, international (SWIFT) payments and bulk payments. Each payment is released by a person on your account with the right role, confirmed with their passkey and with a code from the partner. The Partner account terms apply to these accounts.

2.2 Crypto wallet and transfers

A wallet for the crypto assets and networks the app shows as supported, held for you with our regulated crypto custody partner (section 3.2). You can receive and send crypto, and convert between crypto and USD or EUR. Crypto transfers can't be reversed once sent.

2.3 Crypto payments for merchants

QR code checkout, payment links and invoices that let your customers pay you in crypto. Payments are credited to your wallet once the network confirms them. Our fee shows before you create a code or invoice.

2.4 Buying, selling and swapping crypto

Buying crypto with a card or bank transfer, and selling it for a payout, are provided by MoonPay through our integration partner Changelly (section 3.3), on their own checkout pages and under their own terms. Swaps between crypto assets are provided through Changelly.

2.5 Cashout to a card

Converting USD or EUR to a Visa or Mastercard in the same currency. The fee and the amount the card receives show before you confirm.

2.6 Trading between cash and crypto

Buying and selling between the cash and crypto balances in your account, switched on for each client on request.

2.7 Not offered

We don't give investment, legal or tax advice. We don't lend, stake or otherwise use your crypto, and we don't pay interest. Valtora's own payment cards, Cards as a Service and Valtora's own currency exchange are not yet available.

3. Partners that provide our services

We use carefully chosen partners to provide some services. Each is a separate company that provides its service under its own terms and, where needed, its own authorisation. We stay responsible for the parts of the service we provide. You can check each authorisation on the public register named.

3.1 Accounts with IBANs and payments: Gemba Finance Limited

Valtora Global Inc. acts as an introducer to Gemba Finance Limited, which provides the regulated payment services and is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804853).

3.2 Crypto custody

Your crypto is held with our regulated crypto custody partner, in wallets in our name together with other clients' crypto. Our records show exactly how much belongs to you, and we check them against the partner's balances every day. The Terms of Service set out how this works.

3.3 Buying, selling and swapping crypto: MoonPay and Changelly

MoonPay provides buying crypto with a card or bank and selling it for a payout. Changelly connects Valtora to MoonPay and provides swaps between crypto assets. You complete these on their pages, they may run their own identity checks, and their terms and availability by country apply. Our website shows where buying and selling are available.

3.4 Identity verification: Sumsub

For accounts at our payment partner, you complete identity verification with Sumsub through a link we send you in Secure messages. A genuine link always opens a Sumsub or Gemba address.

3.5 Technology and communications

• Hosting, database and site analytics: Vercel and Neon.
• Address suggestions: Loqate and Google. UK company details: Companies House, the UK public register.
• Email: Resend (sign-in codes) and Google Workspace (our mailboxes). Text messages: our SMS provider.
• The Valtora assistant: Anthropic, which provides the AI model.

The Privacy Policy explains what personal data each one receives.

4. Fees

Our prices are on our website's Pricing page and in the app, and the app shows the fee before you confirm anything. Some prices differ by where your company is registered: prices marked * apply to companies registered in the United Kingdom or the European Economic Area. Partner fees that we pass on are shown as such. We change fees only as the Terms of Service allow, with notice.

5. Keeping your account safe

You sign in with a passkey and confirm payments again. We never ask for your passkey, a sign-in code or a payment code by phone, email or message. The Fraud prevention and security page explains how we protect accounts and how to report fraud.

6. Checks we carry out

The law requires us to verify our clients and watch for financial crime. We may delay, hold or refuse a payment, and ask for information, as the Anti-money laundering and sanctions policy describes. Sometimes the law doesn't let us say why.

7. Complaints

Tell us through our contact form (complaints). The Complaints page explains how we handle a complaint and how long it takes. For an account at our payment partner, we pass on what the partner needs and its own complaints procedure also applies.

8. Law and courts

Our agreement with you is governed by the laws of the State of Montana, United States, and the courts of the State of Montana decide disputes about it. If you're a consumer, you keep the protection the law of the country where you live gives you.

9. Changes to this page

We update this page when a partner, a service or a document changes. Each document shows its version and the date it took effect. Earlier versions are available on request.