(Version 1.0 | 6 May 2025)
These terms of use constitute an agreement (“Agreement”) between you (“you”, “your” and “User”) and Satispay Invest SA (“we”, “us”, “our” and “Satispay Invest”). Satispay Invest is a Luxembourgish company, with its registered office at 53, Boulevard Royal, L-2449 Luxembourg. Satispay Invest is an investment firm authorised and regulated by the Commission de Surveillance du Secteur Financier (“CSSF”) with register number P00000555.
The services provided by Satispay Invest are exclusively reserved to natural persons acting for purposes which are outside their trade, business, craft or profession. Therefore, we have categorised you as a retail client in accordance with applicable laws. In order to use our services you must be a registered activated user of the Satispay Consumer service and therefore must have entered into the Satispay Consumer Agreement (as defined below).
This Agreement governs the way we provide investment services to you on the Satispay application (the “App”). Please read this Agreement carefully (together with the documents referred to in it) before you start using our services or enter into a transaction in the App because they contain important information on which we will rely to provide investment services to you.
Copies of the most up-to-date version of the Agreement and relevant documents are made available in the App and on our website at all times. If you have questions you can contact us at the addresses set out in Clause 6.1 below or visit our Help Center.
This Agreement does not govern the provision of electronic money or payment services related to your electronic money account, which are provided to you by Satispay Europe SA, a Luxembourgish electronic money institution authorised and regulated by the CSSF with register number W00000010 (“Satispay Europe”). This means that these electronic money and payment services as well as the use of the App are regulated by the General terms and conditions for the service Satispay Consumer (“Satispay Consumer Agreement”). Capitalised terms used and not otherwise defined in this Agreement have the same meaning assigned to them in the Satispay Consumer Agreement.
This Agreement also contains instructions and authorisations from you to Satispay Europe, which accepts to be bound by this Agreement. To such extent, and when specified, certain provisions of this Agreement govern the relationship between you and Satispay Europe in the context of the investment services provided to you by Satispay Invest.
Satispay Invest and Satispay Europe’s contractual obligations are personal and divisible. Satispay Invest and Satispay Europe are not jointly liable for any of the commitments taken under this Agreement and each party is solely responsible for the execution of its own obligations.
Subject to Clause 4, Satispay Invest will provide you in the App with the following services (“Services”):
The Services allow you to invest the electronic-money (“E-money”) stored in your account opened pursuant to the Satispay Consumer Agreement (“E-money Account”). Through the Platform, your E-money can be invested in one or several funds under the form of undertakings for collective investment in transferable securities (UCITS) authorised and regulated pursuant to the applicable European and national rules (a “Fund”, and together the “Funds”). Each Fund is managed by a professional company responsible for making investment decisions, managing the assets of the Fund and overseeing its operations (“Management Company”). More details on the objective and composition of each Fund as well as on the Management Company are made available to you in the App and in the Funds’ documentation.
When you invest you purchase the shares of a Fund, which reflects your participation and your associated rights in respect of the Fund’s capital. You may find more detailed information in the prospectus of the Fund, which contains the details you need in order to make an informed decision about whether to invest in the Fund. Before you invest, you must read the key information document (the “KID”) of the Fund. The KID will assist you in evaluating whether investing in the Fund is appropriate for you, providing a comprehensive overview of the associated risks. Note that growth is not guaranteed and losses cannot be excluded. Past performances of the Funds are not necessarily an indication of their future performance.
The relevant Funds documentation including the prospectus and the KID are available to you in the App.
You can invest your E-money you hold with Satispay Europe in whole or in part by submitting an order via the Platform whereby you direct us to transmit your order to buy shares issued by a Fund (“Buy Order”), also on a recurring basis, and according to the instructions we make available to you in the App. By placing a Buy Order you confirm that you have read and understood the prospectus and the KID of the relevant Fund. Buy Orders are submitted on your behalf in nominal Euro.
You can redeem your investment in whole or in part by submitting an order via the Platform whereby you direct us to transmit your sell order of shares issued by a Fund (“Sell Order”) according to the instructions we make available to you in the App. Sell Orders are submitted on your behalf in numbers of shares of the Fund.
Each Buy Order or Sell Order accepted and transmitted by Satispay Invest constitutes an independent transaction that is completed as soon as the relevant order has been received by the Fund in accordance with this Agreement and with the documents and instructions provided to you via the App. For each Buy Order you may be required to execute a specific subscription form provided by the Management Company (“Subscription Form”) concerning the amount you want to invest. By accepting the Agreement you confer to Satispay Invest a mandate with representation to submit Buy Orders and Sell Orders and/or to execute the relevant Subscription Form on your behalf.
The price at which you buy or sell shares of a Fund is based on its net asset value (“NAV”), meaning the Fund’s assets, minus its liabilities. The per-share NAV is calculated by dividing the total value of the Fund’s assets (including cash, securities and other holdings) minus any liabilities (such as fees or expenses) by the total number of outstanding shares. NAV calculation occurs every day when financial markets are open for trading activities in Luxembourg and/or in the other countries where the Fund and the other parties involved are established (“Trading Day”).
If you want to end this Agreement you must sell the entirety of the Funds’ shares you hold by using the Platform. You will be able to sell your Funds’ shares only through the Platform and by using our Services in accordance with the terms of the Subscription Form and of the Fund’s prospectus and the instructions we make available to you in the App. When you invest using the Services you agree that the shares in the Funds cannot be transferred to third parties and, in case of succession due to death, all your shares in the Funds will be redeemed with the execution of an automatic Sell Order.
You can submit Buy Orders or Sell Orders at any time on the Platform. For a Buy Order or Sell Order to be transmitted by us on the same Trading Day, you have to place your order before the time specified in the App and/or on our website for the relevant Fund (“Platform Cut-off Time”). The NAV calculation as well as the execution of the transaction for the purchase or sale of the Funds’ shares will occur at the next Trading Day. For this reason, you will not see in the App the execution price of the shares of the Fund when you place your Buy Order or Sell Order, but only when NAV is calculated the following day.
If you place a Buy Order or Sell Order on a day that is not a Trading Day or after the Platform Cut-off Time, these orders will be transmitted the following Trading Day.
Regardless of any conflicting provision in this Agreement, submitting a Buy Order or a Sell Order before the Platform Cut-off Time does not assure transmission of the respective order on the same Trading Day. If for operational, legal, regulatory, or other reasons beyond our reasonable control, your Buy Order or Sell Order cannot be transmitted on a specific Trading Day, Satispay Invest will make every effort to facilitate its transmission on the following Trading Day.
Upon execution of a Buy Order or Sell Order, a confirmation of such transaction will be published on the relevant section of the Investment Account in the App. This confirmation will come from the local paying agent (“LPA”), as described in Clause 3 below, and will record the details of the investment made, such as the number of shares purchased or sold, their price, the amount paid and, where applicable, the tax withholdings deducted on your behalf.
You will be informed via the App about any material difficulty relevant to the proper transmission or execution of an order promptly upon becoming aware of such difficulty. Any Buy Order or Sell Order is subject to acceptance by the Management Company or the transfer agent of the Fund.
Your Buy Order or Sell Order will be executed with the transfer agent of the Fund, and will thus be executed outside a regulated market, multilateral trading facility and organised trading facility.
In certain circumstances, we may refuse to complete a Buy Order or Sell Order that you have placed. These circumstances include:
Unless it would be unlawful for us to do so, where we refuse to complete a Buy Order or Sell Order you submitted, we may notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal together, where relevant, with the procedure for correcting any error that led to the refusal.
The right of refusal to complete orders is for our sole and exclusive benefit and cannot be invoked by you for any purposes.
On your Investment Account you will be able to review the details of your investments, including the Buy Order and Sell Order you have placed, the transactions that have been executed, and the orders confirmation received by the LPA, as well as the annual ex-post information about all fees and charges related to your shares in the Funds and the Services provided to you.
The prospectus, the KID and other details on the Funds will be made available to you before you make an investment in the App and at any time in the relevant section of your Investment Account. When checking the details of the Funds on the Platform you may see the yield you may earn when using our Services. The yield is calculated periodically by the Management Company, is subject to change and may vary based on market conditions. The yield and the related returns are beyond our control and are not guaranteed. Past performances of the Funds are not necessarily an indication of its future performance.
After the daily calculation of the NAV, you will also see on your Investment Account the updated overall value of the shares of the Funds you hold and how many shares of the Funds you purchased or sold each Trading Day.
The valuation of your shares in the Funds as stated in the Investment Account is indicative only and should not be construed as a confirmation by us or as representing their actual financial value.
Your E-money Account will be used to make and receive payments in relation to your Investment Account. Therefore: (i) every time you place a Buy Order we will also instruct Satispay Europe on your behalf to withdraw and redeem E-money from your Account for investment purposes; (ii) every time you place a Sell Order we will also instruct Satispay Europe on your behalf to exchange for E-money the money received from the sale and to credit the proceeds in your E-money Account. These proceeds will constitute E-money and will be transferred in your E-Money Account the next Trading Day following the execution of the transaction.
The following limitations apply to our Services:
To allow you to invest your E-money in the Funds’ shares, an Italian LPA is involved in such transactions. The role of the LPA is mainly to: (i) act as an intermediary between you and the Funds, transmitting the Buy Orders and Sell Orders received by us to the transfer agent of the relevant Fund for their execution; (ii) receive your funds to be invested in the shares of the relevant Fund when you place a Buy Order; (iii) receive from the Funds the proceeds of your investments when you place a Sell Order; (iv) send to you in the App a confirmation of the execution of each Buy Order and Sell Order as well as other possible communications related to the exercise of the corporate rights associated with the Funds’ shares; and (v) withhold the taxes due on your investments as per Clause 17 below
The above services are provided by Caceis Bank S.A., Italy Branch, and the relationship between you and the LPA is also regulated in the Subscription Form.
Pursuant to the arrangements between the LPA and the Funds as also reflected in the Subscription Form:
By accepting the Agreement you confer to Caceis Bank S.A., Italy Branch, a mandate without representation so that in its own name and on your behalf it will: (i) transmit in aggregate form to the Management Company (or to its delegate) Buy Orders and Sell Orders; (ii) request the registration of the shares of the Funds in its own name and on behalf of third parties in the Funds’ shareholders register; (iii) carry out all administrative formalities related to the execution of Buy Orders and Sell Orders for the Funds’ shares.
In order to use the Services you must be at least 18 years old and have legal capacity. You shall not be a citizen or a resident of the United States of America. To learn more about who is eligible to use our Services, please visit our Help Center.
Satispay Invest may carry out checks on you electronically and may ask you any time to confirm the accuracy of your information or to provide additional information or documents in relation to your identity and tax residence. All information you provide to us must be complete, accurate and truthful and you commit to update this information whenever it changes. Satispay Invest is not liable for any loss arising out of your failure to do so.
When we carry out our internal checks, any information linked to you held by Satispay Europe including but not limited to your first name, surname, address, contact details, date and place of birth, nationality and information relating to your E-Money Account may be disclosed by Satispay Europe to Satispay Invest as well as to third parties (such as credit reference agencies and/or fraud prevention agencies). The authorisation and instruction from you to Satispay Europe to share your personal information and other information in compliance with our Privacy Policy and the applicable contractual documentation will be granted on the basis of the instructions available in the App.
In order to use the Services, you consent to the checks described in this Agreement being undertaken. Upon positive completion of our internal checks, we will make the Services available to you. You may have only one Investment Account under this Agreement. You shall use the Services on your own account and not on behalf of any other person or entity.
The Services are financial services and we are required by law to hold certain information and documents about our customers. We use the provided information and documents to manage and provide the Services, to comply with our legal and regulatory obligations and to identify you and the Investment Account in the event of misappropriation. We only keep such data as long as it is necessary and for the purposes set out in this Clause 4, as well as in Clause 16 below.
We may not activate the Services or deny, suspend or limit access to the Services in the event that: (i) we are unable to obtain from you and verify the information and documents needed to perform the checks; (ii) we are not satisfied with the results of the checks in light of the obligations imposed on us by the law; (iii) providing the Services to you may harm our business, reputation and/or expose us to any offence or risk of financial losses or liability to us. We will not always provide specific detail regarding any failed verification in order to protect our verification process and, more in general, the Services.
The App allows access to the Services, including the Platform and your Investment Account. However, the Services are separate and independent from the App, and are managed and offered exclusively by Satispay Invest. You agree that the Services and the related information will be provided to you in the App, on our website and/or using other means of distance communication.
Satispay Invest will not charge you any sign-up fee or subscription fee connected to the Services. There are also no fees or charges for you holding the Investment Account and placing any Buy Order or Sell Order.
Fees will apply to your investments when you hold shares of the Funds. These are annual fees calculated as a percentage of the value of the shares held in the Funds and include:
The amount of the fees you will pay depends on the specific Fund you invest in. You can see all current fees on our Investment Account pricing page.
Fees or charges applicable to your investments will be shown to you on the Platform, and will also be detailed in the KID of the relevant Fund.
You authorise Satispay Europe to deduct any applicable fee, cost or charge associated with the Services as well as any amount you owe Satispay Invest or Satispay Europe in connection with the Services and/or with the Satispay Consumer Agreement from the proceeds of the sale of your shares in the Funds and/or from your E-money Account. Should this recovery process fail, we may contact you to find alternative ways to resolve the issue, without prejudice to our right to take any necessary actions or measures in connection with the collection of said amount also by way of setting-off without formal notice or other formalities any amount due to Satispay Invest or Satispay Europe for whatever reason. Please note that in such a case, you may not be able to close your Investment Account.
All claims that Satispay Invest and Satispay Europe may have against you and all the claims you may have against Satispay Invest and Satispay Europe are interrelated. Therefore, Satispay Invest or Satispay Europe may validly refuse to perform any of their respective obligations if you do not fulfil any of yours.
In case you do not pay any fees, costs, charges, or other amounts related to the Services or the Satispay Consumer Agreement because your E-money Account does not have sufficient funds to cover what you owe to Satispay Invest, Satispay Europe or to reimburse credit which may have been granted to you, all debts and claims of any nature that the you have towards Satispay Invest or Satispay Europe will become immediately due. Satispay Invest or Satispay Europe are entitled to offset those debts, without formal notice and in the order of priority either of them considers most suitable, against any financial instruments held through the Platform, including shares in the Funds, the value of which is to be determined on the basis of the market value of such assets on the date of such set off.
Debit balances can be cleared without any formal notice or other formalities by setting-off those debits against all assets and credit balances of debtors that, either directly or indirectly, are jointly and severally or indivisibly liable to Satispay Europe or Satispay Invest.
To that effect, Satispay Europe or Satispay Invest has an irrevocable mandate to execute on your behalf, at any time, all transactions that are necessary to settle your debts, including for the avoidance of doubt the performance of Sell Orders of your shares in the Funds. Any potential Sell Order will only be for the amount necessary to recover the outstanding amounts associated with the Services and/or the Satispay Consumer Agreement.
If you commit fraud related to the Services and/or the Satispay Consumer Agreement, and Satispay Invest, Satispay Europe, or other users suffer losses because of such fraud, Satispay Invest or Satispay Europe may sell your shares in the Funds to recover those losses. This action does not affect any other rights or actions that Satispay Invest or Satispay Europe may have.
Please
We may contact you using the App, including by publishing documents and notices in your Investment Account. However, if necessary, we may contact you by email, via push notifications, social media or by phone call, using the details you provided in the App.
If those details change, you should inform us as soon as possible.
You agree that any documents and communications related to this Agreement will be in English and any translation into other languages is considered a mere courtesy translation.
Where this Agreement, other terms and conditions or any notice or other document relating to this Agreement is provided in a language other than the English language, then the English language shall prevail if there is a conflict, provided that the language at the place of the User’s residence or domicile may also be applied if mandatory applicable User-related provisions are concerned.
You can contact us to request a copy of this Agreement and of the related documentation regarding our Services and the Funds, which will be sent to you by email or on paper free of charge.
If we do not meet our obligations under the Agreement, we will be liable only for gross negligence or wilful misconduct. We are not responsible for unforeseeable losses or for indirect and consequential damages, loss of business, or missed business opportunities.
Unauthorised and incorrectly executed Payments as well as Satispay Europe’s liability connected to the Services are governed by the relevant provisions of the Satispay Consumer Agreement.
If we do not insist that you perform your obligations under this Agreement, it does not mean you do not have to. Similarly, if we do not enforce our rights under this Agreement, or we delay in doing so, it does not mean that we have given up those rights.
You must use the Services in accordance with this Agreement and in compliance with the applicable laws and regulations, acting fairly and in good faith.
If you breach your obligations under this Agreement, you will be responsible for compensating us for any losses resulting from your actions.
It is your responsibility to regularly monitor your Investment Account. We assume that all Buy Orders and Sell Orders are authorised by you unless you notify us otherwise. If you believe you did not authorise a Buy Order or Sell Order or that it was incorrectly carried out (for example, the invested amount was incorrect), you must contact us as soon as possible and in any event within 3 hours from the submission of the Buy Order or Sell Order. If we do not receive a written objection within this period, all transactions mentioned in your Investment Account or reported by the LPA are considered as having been approved and ratified by you. You shall have no direct or indirect right of objection against such transactions.
In case of an unauthorised or incorrect Buy Order or Sell Order, Satispay Invest is not obligated to restore the number of shares in the Fund you would have held if the unauthorised transaction had not taken place.
We are not liable for any consequence or breach of the Agreement arising out from:
You are responsible for ensuring that no one else can access the Services without your authorisation and for keeping your mobile device and security details connected to the use of the Services and to your Investment Account safe. This includes downloading the latest version of the software of your mobile device as well as the latest version of the App as soon as they are available.
You must take all reasonable steps to avoid the loss, theft or misuse of your mobile device. Do not disclose any details about the Services to anyone except where necessary to authorise an order. If you suspect that the Investment Account or your security details have been compromised, you must notify us as soon as possible, by contacting us to the addresses set out in Clause 6.1 above.
Failure to comply with the above provision may be treated as negligence and affect your ability to claim any losses.
You shall not misuse the Services or use the Services in any unlawful manner, for any unlawful purpose, in any manner inconsistent with this Agreement, or act fraudulently or maliciously (e.g. by hacking into or inserting malicious code or harmful data into the App or any connected operating system).
We may suspend your use of the Services, if we need to do so to comply with Luxembourg or foreign laws or regulations or the instruction of a Luxembourg or foreign authority including courts, we consider that your use of the Services may create any liability, reputational or other exposure for us, we have reasonable concerns about the security of the Investment Account or we suspect the Services or your E-money Account are being used in a fraudulent, unlawful, immoral or unauthorised manner or there is a material breach of your obligations under this Agreement or the Satispay Consumer Agreement, or in case you have used offensive, obscene, vulgar, blasphemous or slanderous terms in relation to other Satispay users, Satispay Group, and its employees and/or representatives. In that case, you may not use the Investment Account to make any investment.
We will notify you of any such suspension as soon as possible, and of the reasons for the suspension unless doing so would compromise reasonable security measures or be unlawful.
We may lift the suspension should the reasons for the suspension cease to exist.
This Agreement is of indefinite duration. You may terminate the Agreement at any time by contacting us through the App, by email at support@satispay.com, or via post at Satispay Customer Services, 53, Boulevard Royal, L-2449 Luxembourg.
We may terminate this Agreement with immediate effect:
We may terminate the Agreement without any reason by giving you a 60-day notice.
We will not always provide specific details regarding any termination in order to protect our internal processes and, more in general, the Services.
If the Agreement terminates, we will disable your access to the Services. Any investments you have made with your Investment Account will be redeemed with the execution of an automatic Sell Order. The proceeds of such sale will be credited in your E-money Account as per Clause 2.4 above unless we are not permitted to do so to comply with Luxembourg or foreign laws and regulations or the order or instruction of a Luxembourg or foreign authority including courts.
You have a period of 14 days to exercise your statutory right of withdrawal from this Agreement without penalty and without giving any reason. This period begins from the acceptance of this Agreement and after you have received the terms of the Agreement via email. You can exercise your right of withdrawal by contacting us to the addresses set out in Clause 6.1 above. It is understood that any transaction, such as buying or selling shares in the Fund, executed during the 14-day period is not affected by that withdrawal. This means that, in case of withdrawal from this Agreement, any investments you have made prior to this withdrawal will be redeemed with the execution of an automatic Sell Order in accordance with Clause 10 above and fees will be applied in accordance with Clause 5 above.
We may unilaterally amend the Agreement. If we need to make any amendment to this Agreement, we will notify the amendments 30 days prior to their effectiveness except where the amendments are required under the law or they do not cause prejudice to your rights and obligations, in which case they will be immediately effective. This allows you to consider the amendments which require prior notice. In case you disagree with any of the amendments you have to notify us of your decision in writing and your notification will be deemed to be a notice that you wish to close your Investment Account and terminate this Agreement on the date upon which the changes are to take effect. These changes will be deemed to have been accepted by you where you do not, before the proposed date of the entry into force of the changes, notify us to the contrary.
The value of your investment in the Funds and the income it generates are subject to fluctuations, and there is no guarantee on the initial investment amount. The amount you invested is susceptible to changes, and you bear the risk of potential losses. The Funds are not a secured investment and differ from deposit investments.
Investing in the shares of the Funds carries various risks, including:
You will find additional information on the main risks connected to the Funds in the prospectus and KID made available in the App.
We are required to establish, maintain, and operate effective organisational and administrative arrangements to identify, prevent or manage, disclose, and record conflicts of interest. We do this in accordance with our Conflicts of Interest Policy and applicable laws and regulations. You can contact us to request further details about our Conflicts of Interest Policy.
Satispay Invest is a member of the Système d’indemnisation des investisseurs Luxembourg (“SIIL”), the investors compensation scheme in Luxembourg. You may be eligible for compensation from the SIIL in relation to the Services we provide to you. For further information, you may refer to the SIIL website.
Satispay Invest is a data controller of your personal data and manages and protects your personal data in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (“GDPR”) and any other applicable data protection laws (jointly, the “Applicable Data Protection Laws”).
Satispay Invest will collect and process personal data relating to you in compliance with our Privacy Policy.
Satispay Invest is subject to professional secrecy obligations. Satispay Invest will therefore not disclose any personal data collected except if authorised or required by law (or court order) or explicitly authorised by this section and/or provided for by our Privacy Policy.
When entering into a business relationship with Satispay Invest, you authorise and instruct Satispay Invest to disclose and transfer any data relating to you or your business relationship with us (including but not limited to first name, surname, address, date and place of birth, nationality, contact details, financial situation, any payments and transactions made), to its outsourcing service providers located in Germany, Luxembourg, Ireland, Italy, the United Kingdom and the United States of America as well as to third parties whose involvement is necessary or useful for Satispay Invest to provide its investment services (such as Satispay Europe and the LPA) or for you to benefit from services provided by third parties, including other companies of the Satispay Group, when you agreed to the relevant terms. These transfers of data will be done in accordance with data processing agreements executed by Satispay Invest and such outsourcing service providers or third parties and in accordance with our Privacy Policy. Satispay Invest will ensure that such outsourcing service providers and third parties are subject to secrecy obligations or contractual confidentiality duties. The services that are outsourced by Satispay Invest, mainly to other companies of the Satispay Group, include platform hosting, IT operations and security, data storage, internal audit operations, accounting and controlling, customer care tasks, fincrime activities, compliance screening and compliance reporting, payroll as well as certain legal and marketing activities. You agree with such outsourcing by accepting the Agreement.
You agree to inform Satispay Invest as soon as possible of any change in personal data collected and to supply Satispay Invest upon request with any additional information or documents it deems useful to the maintenance of a business relationship and/or that is required by Luxembourg or foreign laws or regulations.
Unless legislative changes occur, you will bear no responsibility for the stamp duty taxes (imposta di bollo) on your investments. If you are an Italian tax resident, the same applies for personal income taxes. In accordance with the applicable Italian tax rules and with the Subscription Form, you authorise and entrust the LPA to make the relevant tax deduction and withholding on your behalf. This means that the LPA will be solely responsible for the payment of the stamp duty taxes (imposta di bollo) and, where applicable, personal income taxes due on your investments in the shares of the Funds.
The confirmation of your Sell Orders made available in the App will record the taxes paid on your behalf by the LPA. You also authorise and instruct Satispay Europe to withdraw the necessary amounts from your E-money Account to pay the stamp duty tax due on your investments in the shares of the Funds.
Satispay Invest or other companies of the Satispay Group do not provide tax or legal advice and assume no responsibility for any adverse tax consequences arising from your investments. If you need clarifications regarding the applicable tax regime, we recommend consulting with your trusted tax advisor for guidance.
If you are not satisfied with the Services, tell us first by contacting us (see contact details in clause 6.1) so we can try to resolve your issues. We will promptly send you a complaint acknowledgement and a copy of our complaints procedure.
A copy of our complaints procedure can be requested at any time and can also be found here. You agree to cooperate with us and provide the necessary information to enable us to investigate and resolve the complaint as quickly as possible.
If, after having followed the procedure and steps set out in this Clause 18, you are not fully satisfied with our handling of your complaint, you can contact the competent supervisory authority as detailed below.
You can contact the CSSF by filling in the online complaint form where all relevant documents can be attached or by sending the completed complaint form (PDF):
All content included in our Platform as well as on the relevant section in the App (including all user-facing material, and all underlying material such as code, software and databases) and the copyright and other intellectual property rights in that content, unless specifically labelled otherwise, belongs to or has been licensed by us or Satispay Europe. All content is protected by applicable intellectual property laws and treaties.
By Intellectual Property Rights we mean all vested, contingent and future intellectual property rights including but not limited to copyright, trademarks, service marks, design rights (whether registered or unregistered), patents, know-how, trade secrets, inventions, set-up, database rights and any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or in the future created which Satispay Invest or other Satispay Group companies may be entitled to.
We may provide links to other content such as websites, web apps and downloadable apps or documents. Unless expressly stated, this content is not under our control. We neither assume or accept responsibility or liability for such third-party content. The provision of a link by us is for reference only and does not imply any endorsement of the linked content or of those in control of it.
If any term or provision in the Agreement shall be held to be illegal or unenforceable, in whole or in part, under any enactment or rule of law, such term or provision or part shall to that extent be deemed not to form part of the Agreement but the validity and enforceability of the remainder of the Agreement shall not be affected.
We may assign the receivables as well as the rights and/or obligations arising out of this Agreement to another company at any time by giving you prompt notice of this. If we do this, your rights will not be affected. You may not assign or transfer any or all of your rights and/or obligations under this Agreement without our prior written consent.
This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation is governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg, provided that the law of the place where the User has their habitual residence may also be applied in relation to provisions that are more protective to the User and that cannot be derogated from by agreement by virtue of such law.
Each party irrevocably agrees that the jurisdiction of the User’s residence or domicile settles any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with this Agreement or its subject matter or formation.
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Nous sommes à votre disposition pour toute information supplémentaire. Contactez-nous.
Vous êtes commerçant ?
En cas de question sur notre service de paiement, vous pouvez nous contacter à l'adresse email business@satispay.com
Téléphone volé ou perdu ?
Si votre téléphone portable a été volé ou si vous l'avez perdu, bloquer mon compte
Nous sommes à votre disposition pour toute information supplémentaire. Contactez-nous.
En cas de question sur notre service de paiement, vous pouvez nous contacter à l'adresse email business@satispay.com
Si votre téléphone portable a été volé ou si vous l'avez perdu, bloquer mon compte
Les services de paiement sont fournis par Satispay Europe S.A., inscrite sous le numéro W00000010 au Registre des Établissements de Monnaie Électronique auprès de la Commission de Surveillance du Secteur Financier et sous le numéro B229149 au Registre du Commerce et des Sociétés du Luxembourg. Siège social : 53, Boulevard Royal, L-2449 Luxembourg.
Les services de bien-être d'entreprise sont fournis par SatisWelfare S.p.A., numéro de code fiscal et d'inscription au Registre du Commerce de Milan n° 12408640964. Siège social : Piazza Fidia 1, 20159 Milan.
Les services d'investissement sont fournis par Satispay Invest S.A., inscrite sous le numéro P00000555 au Registre des entreprises d'investissement auprès de la Commission de Surveillance du Secteur Financier et sous le numéro B285448 au Registre de Commerce et des Sociétés du Luxembourg. Siège social : 53, Boulevard Royal, L-2449 Luxembourg.
