Electronic communications and signatures

1. What you agree to

By opening an account you agree that we can give you our agreements, notices, statements and other information electronically, and that you can accept and sign documents electronically. An electronic acceptance or signature has the same effect as one on paper.

2. How we reach you

• In the app: Secure messages, chat, notices and the documents in Settings.
• By text message or app notification, where you've turned these on.
• By email, for sign-in and verification codes only.
• On our website, for these documents and changes to them.

A notice counts as received when we post it in the app or send it to you this way.

3. How you accept and sign

• You accept our Terms of Service, Privacy Policy and Crypto risk disclosure by ticking a box and continuing. We record the version, the time, your IP address and your browser.
• You confirm payments and other instructions with your passkey. That confirmation is your authorisation.
• Agreements such as a non-disclosure agreement can be signed online; we keep the signed copy and give it to you.

4. Keeping copies

Every document shows its version and is always available on its page. Statements can be downloaded in the app. Keep your own copies; you can also ask us for any document you've accepted.

5. What you need

A current web browser on a device that supports passkeys, and access to the email address on your account.

6. Paper copies and withdrawing consent

You can ask for a paper copy of a document through our contact form; a postal fee may apply. Because Valtora works only online, withdrawing your agreement to electronic dealings means closing your account.