Website terms of use

These terms apply from March 22, 2024.

Thank you for visiting www.nsave.ch (the « Website »). These legal terms of use and disclaimer (the « Terms ») govern the use of the Website (and any sub sections) maintained and published by nsave SA and any affiliated entities (“nsave”, “Company”, “we”, “us” or “our”).

By accessing the Website, you acknowledge the legally binding effect of the terms set out herein. Please read them carefully before using the Website. By using the Website, you accept the legally binding Terms set out below, as well as the terms of our privacy policy at www.nsave.ch/privacy.

If you do not agree with the content of these Terms or the Privacy Policy, please refrain from accessing and using the Website.

1. How to contact us

If you have any questions or concerns, please contact us at support@nsave.ch or write a letter to us at our address: nsave SA, Bâtiment Stellar, route de la Galaise 34, 1228 Plan-les-Ouates. You can also contact our customer support at any time on WhatsApp at +44 7418 610405.

2. The Company

nsave is a Swiss company registered in Geneva, Switzerland (CHE-276.893.780).

The Company is not supervised by the Swiss Financial Market Supervisory Authority FINMA but is affiliated to SO-FIT, a supervisory organization for financial intermediaries and trustees accredited by FINMA. nsave SA provides non-interest-bearing custody accounts and payment services in CHF and USD through its mobile application. For use of other multi-currency accounts, please refer to our website terms available at www.nsave.com

3. No deposit guarantee or insurance scheme

The accounts offered by nsave SA are not covered by any deposit guarantee or insurance scheme.

4. Information contained on Website

Though nsave takes all reasonable care to ensure the correctness and accuracy of the information presented on the Website, nsave does not warrant the adequacy, accuracy, reliability or completeness of the information contained on the Website and expressly disclaims liability for errors or omissions. Users are responsible for evaluating the reliability and completeness of any information or content available on this Website. nsave may amend the content of the Website at any time without notice.

5. No advice or financial services

All information contained on the Website is for informational purposes only. This Website does not provide investment, legal, accounting or tax advice and nothing on the Website should be construed as personalized advice. Please seek advice from a qualified specialist when deciding to use our services.

This Website is for information purposes only. This Website is not, and should not be construed as, marketing, an offer, or a solicitation of an offer, to buy or sell any securities or other financial instruments. We do not provide any banking, brokerage, asset management, portfolio management, distribution or investment services.

6. Restriction of access and distribution

Our services are provided from Switzerland. Neither the Website nor the information and functions contained on the Website are directed at or intended for distribution to, or use by, any person in any jurisdiction where the use of the Services or distribution of such information or functions is forbidden or that would require obtaining licenses or authorizations that have not been obtained by nsave.

The information contained herein is provided for informational purposes only and it is the responsibility of any person in possession of this document to inform themselves of and comply with all applicable laws and regulations in any relevant jurisdiction.

nsave's services may not be available for nationals or residents of certain countries. Furthermore, due to geographic location, the Website or some of its content, features or services may be unavailable.

nsave does not have any duty to accept any user and may refuse an account opening at our sole discretion. Furthermore, the use of our services is subject to the prior successful onboarding process (e.g. KYC process) on the nsave mobile application.

7. No warranties

Website users expressly agree that the use of the Website is at their sole risk. To the extent permitted under applicable law, any and all warranty for the Website is excluded. nsave provides the Website “as is” and “as available” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose and of uninterrupted and/or error-free availability and/or accessibility of services.

nsave reserves the right to completely restrict, block or cancel any access to the Website at any time and for any reason, without notice and without any liability.

8. Forward looking statements

nsave operates in a continually changing environment and new risks emerge continually. Users are cautioned not to place reliance on forward-looking statements contained on the Website such as plans, objectives, targets and trends, and to undertake their own assessment. In particular, forward-looking statements on the Website involve known and unknown risks, uncertainties and other factors, which may cause nsave's services, legal and regulatory framework, financial condition, or prospects to be materially different from forward-looking statements and impact nsave's capacity to provide certain services.

9. Account

Our Website is for public use only. Customers opening an account with us agree to accept the terms and conditions as applicable to use of our services via application.

If you choose a user ID code, password or other information as part of our security procedures, or if you are provided with such information, you must treat it as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password at any time, whether chosen by you or assigned by us, if we reasonably believe that you have failed to comply with any of the provisions of these Terms.

If you know or suspect that someone other than you obtained your user ID or password, you must promptly notify us.

10. Exclusion of liability and indemnification

Unless in presence of gross negligence or willful intent, in no event shall nsave or any of its members, employees, affiliates or other representatives be liable for damages arising out of or in connection with the use of this Website or any reliance on any of the content provided on the Website or the inability to access or use the Website. This limitation of liability applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit loss, costs, loss of or damage to property and claims of third parties.

Website users shall hold nsave or any of its members, employees, affiliated or other representatives harmless against any damage, claim (including legal and attorney’s fees) arising from their access and use of the Website or by any third party in connection with their access and use of the Website.

11. Copyrights

The contents, features and functionalities of this Website (including but not limited to text, graphic, user interface, visual interface, photographs, videos, database, trademark, logo) is the property of nsave or its licensors and may be viewed only for your personal, non-commercial use.

No part of this Website may be reproduced, distributed, published, linked or delivered to any other party for any purpose. In no event shall a user acquire title to any software or Website material by downloading it, or otherwise copying it, from the Website.

12. Links and contents to other websites

Links on the Website may be directed to third-party websites, which are not owned nor controlled by nsave. Access to these third-party websites is, at the user's own risk and responsibility, subject to the terms and conditions and privacy policies of the relevant third-party providers.

13. Data protection

Users' access to and use of the Website constitutes its acceptance of nsave's Privacy Policy at www.nsave.ch/privacy which is hereby incorporated in the present Terms by reference.

14. Notifications

We may send notices to the email address you have provided. It is your responsibility to ensure that you notify us of any changes to your email address. Any notice sent by us to your email address is considered delivered at the time of sending.

15. Miscellaneous

The Terms apply to any Website user as long as such user accesses and uses the Website.

nsave reserves the right to amend the present Terms in its sole discretion, at any time and without any prior notice. The most current version published on the Website applies.

In the event that any of the terms of these Terms are found to be invalid, unlawful or unenforceable, such terms will be separable from the remaining terms, which shall continue to be valid and enforceable.

16. Applicable law and Place of jurisdiction

Use of the Website shall be subject to Swiss substantive law, which shall exclusively govern the interpretation, application, and effect of all the conditions of use set out above, without regard to its conflict of laws provision.

Any dispute, controversy, or claim arising out of, or in relation to, these Terms, including regarding the validity, invalidity, breach, or termination thereof, shall be resolved by arbitration in accordance with the expedited procedure of the Swiss Rules of International Arbitration of the Swiss Arbitration Centre in force on the date on which the Notice of Arbitration is submitted in accordance with those Rules. The number of arbitrators shall be one. The seat of the arbitration shall be Geneva, Switzerland. The arbitral proceedings shall be conducted in English.

Last update: March 22, 2024