Terms of Use

What's in these terms?

These terms tell you the rules for using the Quantiva Money website (our site).

Who we are and how to contact us

Our site is operated by Quantiva Money (we or us).

Quantiva Money is a financial technology company. We are not a bank and we are not an Electronic Money Institution. We do not hold your money ourselves.

To contact us, please email support@quantivamoney.com.

How our services are provided

Quantiva Money accounts, payments, payouts and cards are provided through our partner Whop Inc. (Whop). Whop is a technology platform, not a financial institution. Payment services are provided by Whop's third-party payment service providers and bank partners (Financial Partners), who hold customer funds in accounts for the benefit of Whop customers.

Cards are issued by the card issuer named in the applicable Whop card terms, not by Quantiva Money or Whop. Your use of a card is governed by the card issuer's cardholder terms.

When you sign up at quantiva.money you will also enter into agreements with Whop and its Financial Partners, including:

• Whop Terms of Service — whop.com/tos
• Whop Privacy Policy — whop.com/privacy
• Whop Payout Terms — whop.com/payout-terms
• Whop Card Terms (business and consumer, UK/international and US versions) — available on whop.com

If these terms conflict with those agreements in relation to a financial service, the agreement with Whop or the relevant Financial Partner applies.

By using our site you accept these terms

By using our site, you confirm that you accept these terms and agree to comply with them. If you do not agree, you must not use our site. We recommend you keep a copy for future reference.

Other terms that may apply to you

Our Privacy Policy explains how we process personal data you give us. Our Cookie Policy explains the cookies on our site. The Whop agreements listed above apply to any account or card you open.

We may make changes to these terms

We amend these terms from time to time. Please check them each time you use our site.

We may make changes to, suspend or withdraw our site

We may update our site to reflect changes to our products, our users' needs and our business priorities. Our site is free to use.

We do not guarantee that our site, or any content on it, will always be available or uninterrupted. We may suspend, withdraw or restrict all or part of our site for business and operational reasons, and will try to give you reasonable notice.

Keep your account details safe

Treat any login details, passwords or security codes as confidential and never share them. If you think someone else knows them, contact us and Whop straight away. Whop and its Financial Partners may disable access if these terms or their terms are broken.

How you may use material on our site

We own or license all intellectual property in our site and its content. You may print or download extracts for personal use, but you must not modify them, use images separately from their text, or use any content for commercial purposes without a licence from us.

Do not rely on information on this site

Content on our site is general information only and is not financial, investment, tax or legal advice. Get professional advice before acting on it. Features, fees and availability shown may change and may depend on your country and on Whop's and its Financial Partners' eligibility checks.

Investing, Bitcoin and gold carry risk

The value of investments, crypto-assets and gold can go down as well as up and you may get back less than you put in. Crypto-assets are not protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service. Past performance is not a guide to future results.

We are not responsible for websites we link to

Links to third-party sites, including Whop, are for your information. We have no control over their content and are not responsible for it.

Viruses and misuse

We do not guarantee our site is free of bugs or viruses; please use your own virus protection. You must not knowingly introduce malicious material, attempt unauthorised access to our site or its servers, or attack our site in any way. Doing so may be a criminal offence and we may report it to the authorities.

Our responsibility for loss or damage

We do not exclude or limit our liability where it would be unlawful to do so, including for death or personal injury caused by our negligence, or for fraud.

Liability relating to accounts, payments, payouts and cards is set out in the Whop and Financial Partner agreements, not these terms.

If you are a business user, we exclude all implied terms and are not liable for loss of profits, sales, business, revenue, anticipated savings, opportunity, goodwill or reputation, business interruption, or any indirect or consequential loss arising from your use of, or reliance on, our site.

If you are a consumer, we are not liable for business losses. If defective digital content we supply damages your device because we failed to use reasonable care and skill, we will repair the damage or pay you compensation.

Rules about linking to our site

You may link to our home page fairly and legally, without implying any endorsement by us. Our site must not be framed on any other site. We may withdraw linking permission without notice.

Which country's laws apply?

These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer living in Scotland or Northern Ireland, you may also bring proceedings there. Agreements with Whop and its Financial Partners have their own governing law and dispute terms, which may include arbitration.