Legal Information and Disclosures

General Terms and Conditions

Please consult our general terms and conditions here.

Information on complaints

Our goal is to provide you with products and services of the highest standard tailored to your needs. If we fall short of your expectations, please let us know. We are committed to addressing any concerns promptly and fairly. Submitting complaints is free of charge.

You can address a complaint to us through the following channels:

– In a personal meeting or phone call with your relationship manager
– Electronically via e-mail to [email protected]. Feel free to use the complaint form available here via our website www.sygnum.com/eu
– In writing: Sygnum Europe AG, Dr. Grass-Strasse 12, 9490 Vaduz, Liechtenstein

To enable us to fully investigate your complaint, please provide us with the following information:
– Complainants name and role on the account (eg account owner, client’s representative) and contact details
– Your account, product and service relating to the complaint
– The actual complaint:
– The date the issue occurred
– Reason for complaint (What occurred and how you have been affected)
– Pertinent documents or correspondence
– Other relevant details or information

What you can expect from us:

It is our aim to reply to all complaints within four weeks. If we realise that it will take a little longer to clarify your complaint, we will inform you about the expected response time.
Unfortunately, it may also happen that we are unable to find a satisfactory solution for you. You always have the option to take your concern to the conciliation board (Schlichtungsstelle, www.schlichtungsstelle.li) or appeal to ordinary jurisdiction.
Although we welcome all feedback, unfortunately we can only address complaints from clients and prospects of Sygnum Europe AG.

Access our Client Information on the Complaint Handling Process here.
In case you would like to submit a complaint, please use the following template here.

Risk associated with transactions in crypto assets

Investments in crypto assets involve risks. Please consult the Risk Disclosure before investing.

Information on environment-related impacts

In accordance with the Markets in Crypto Assets Regulation (MiCA), we provide our partners and clients with information about the environmental impact of the crypto assets that we offer. Please read here  more about Sustainability indicators for crypto-assets.

For more details on the MiCA provisions, please refer to the official publication, Regulation (EU) 2023/1114.

Pricing Method

To determine the price of a specific crypto-asset, we obtain quotes from various market participants for a transaction of the relevant size. We pass on to clients the best available price for that order size, without any spread or other surcharges, apart from the transparently disclosed transaction fee.
We do not accept trade requests if the client’s account does not have sufficient funds.

Information on conflicts of interest

For more information on Conflicts of Interest, please access the document in English here or for German here.

Important information

This webpage (the “EU Webpage”) is operated by Sygnum Europe AG, a crypto-asset service provider authorised and supervised by the Financial Market Authority Liechtenstein (FMA).

This EU Webpage does not constitute an offer, recommendation or solicitation by any affiliated company, in particular Sygnum Bank AG. Where this EU Webpage contains links to third-party or affiliated websites (each an “Other Webpage”), Sygnum Europe AG is not responsible for the content of such Other Webpage. Accessing an Other Webpage is subject to the terms and conditions applicable to that Other Webpage.

The information and services made available through this EU Webpage are intended exclusively for professional and institutional clients. The crypto-asset services presented on this EU Webpage may be marketed and provided in Liechtenstein and in any Member States of the EU.

The investment brokerage activity by Sygnum Europe AG is available only to clients who are resident or established in Liechtenstein or Germany, subject to applicable legal and regulatory requirements.

By clicking “Continue”, you confirm that:

  1. you have read and understood the information above;
  2. where you wish to access or receive asset management solutions, you are resident or established in Liechtenstein or Germany and you qualify as a professional client according to the Liechtenstein Asset Management Act (VVG), Annex 1 II. lit. A. and B.,; and
  3. you have reviewed and agree to the applicable Terms of Use and Privacy Notice governing access to and use of this Website.
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Local restrictions – Provision of cross-border services

Please note that you are about to leave the Sygnum Europe webpage.

If you would like to explore the webpages from other entities of Sygnum group, please note that Sygnum Europe is not the owner of these webpages and is not responsible for the content or the offerings and services described, the other webpages are aimed at persons residing in the country in which the respective Sygnum group entity is domiciled.

If you would like to know more about the services and products available in your country, please contact the respective office by clicking here.

If you click on “Continue” to visit another webpage, you confirm that you have read and understood the above and you are visiting this webpage on your own initiative without any active promotion or solicitation from the respective Sygnum group entity.

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Investor qualification

The following content is available to qualified investors. Please confirm your details below to visit this page, or please see our other digital asset updates here.

Qualified investor - As defined in Art. 10 (3) ff. of the Swiss Collective Investment Schemes Act. In particular, natural persons who have the knowledge required to comprehend the risks of the investments based on their individual education and professional experience or based on comparable experience in the financial sector and hold liquid assets of at least CHF 500,000.

A US Person is defined as (a) an individual who is a citizen or resident of the United States for federal income tax purposes; (b) a corporation, partnership or other entity created or organised under the laws of or existing in the United States; (c) an estate or trust the income of which is subject to United States federal income taxes regardless of whether such income is effectively connected with a United States trade or business.

Disclaimer:

The information in this publication pertaining to Sygnum Bank AG (“Sygnum”) is for general information purposes only, as per date of publication, and should not be considered exhaustive. This publication does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. This publication does not constitute any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets. No elements of precontractual or contractual relationship are intended. While the information is believed to be from accurate and reliable sources, Sygnum makes no representation or warranties, expressed or implied, as to the accuracy of the information. Sygnum expressly disclaims any and all liability that may be based on such information, omissions, or errors thereof. Any statements contained in this publication attributed to a third party represent Sygnum‘s interpretation of the data, information and/or opinions provided by that third party either publicly or through a subscription service, and such use and interpretation have not been reviewed by the third party. Sygnum reserves the right to amend or replace the information, in part or entirely, at any time, and without any obligation to notify the recipient of such amendment / replacement or to provide the recipient with access to the information. Simultaneously, there is no obligation of Sygnum to inform recipients of information, if before provided information later becomes outdated, inaccurate or obsolete, unless otherwise provided by applicable law. The information provided is not intended for use by or distributed to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Sygnum does not hold the necessary registration, approval authorization or license. Except as otherwise provided by Sygnum, it is not allowed to modify, copy, distribute or reproduce, display, license, or otherwise use any content for commercial purposes.

Mandatory fields

Security alert

Stay alert to fraudulent communications. Sygnum will never post messages on social media or private messaging applications regarding Sygnum banking access or logins. If you have concerns, contact us.

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