Términos y condiciones


Payment service provider

About our card and account payment service provider

PECUNIA CARDS EDE, S.L.U., is an Electronic Money Entity supervised by the Bank of Spain and registered with the number CSB 6707, whose trade name is ‘PECUNPAY’.

PECUNIA CARDS EDE, S.L.U. is the issuer and manager of the card and payment account of 2gether Money Management SL. If you have any problem related to the operation of the card, you can contact the payment service provider through the following email address: servicioatencioncliente@pecuniacards.es

pdf iconConditions of the payment service provider

General Terms and Coinditions of 2gether Services

Introduction

This document establishes the General Terms and Conditions that regulate the use and access to the services of the 2GETHER application, whose ownership corresponds to the company 2gether Money Management, SL, hereinafter 2gether info@2gether.global, CIF B87586400 with registered office at calle Paseo de Los Parques 6, Alcobendas 28109 – Madrid. The company is registered in the MADRID COMMERCIAL REGISTRY according to a document issued on 02/06/2016, Sheet M-628706, Volume 34955, Page 49.

What do these Terms and Conditions regulate?

These Terms and Conditions of Use regulate the access and use that the authorized User makes within the private area where 2gether offers the service. If the User does not accept the Terms and Conditions of Use of this service, he/she will not be able to access or use it. Access to the 2gether application, its download and use are subjected to these Terms and Conditions, so in the event that the User has not read and accepted these Terms and Conditions, the user must refrain from accessing and using the Service. In case of doing so, the user expressly accepts these Terms and Conditions that will govern its use.

The Terms and Conditions available at any time in the App and on the 2gether Website will be considered valid and applicable (www.2gether.global). All particular conditions, notices, regulations, legal bases of promotions, or operating instructions that are brought to your attention and that complete the provisions of these Terms and Conditions will also be applicable to users.

We recommend that users print or keep a copy for subsequent consultations, although they will be available at all times in the App or on the Website.

General Information

Definitions. These General Terms and Conditions of Use (hereinafter, the «General Terms and Conditions», «The Terms and Conditions» «The Terms» or «The Conditions») regulate the service or services of 2gether, (hereinafter, called » Service ”,“ Services ”,“ Pre-commercial Products ”,“ Products ”or“ New version of commercial products ”- the use of one of these definitions to refer to current and future products of 2gether); Terms and Conditions that 2gether offers directly to Users (hereinafter, the «User» or «Users») previously chosen and designated by 2gether

These Terms, as well as all other documents incorporated on the other services and products that 2gether offers, regulate the conditions governing the use of the Mobile Application, the Website and the purchase or acquisition of products and / or services therein.

Before using the Service, the User must read, understand, and accept the rights and obligations established in these Conditions.

The use of the service or Services by the user means:

  • Acceptance of all the Conditions and Legal Notices published on the Web and the mobile application, hereinafter the «Application», or «app», where the Service is offered by 2gether. In accordance with the new Spanish and European regulations on the Protection of Personal Data, Users must actively and explicitly accept the 2gether Privacy Policy, therefore, to use the Service, the user will need to have previously accepted the 2gether Privacy Policy.
  • Acceptance of all the existing Conditions at the time the User gives his / her acceptance by accepting them and registering in the Service;
  • Acceptance of all other conditions communicated to you, the User, each time you access and / or use the Service on the Web or in the Application, except for all possible new conditions related to Data Protection and Privacy Policy such as explained in the previous point 2).

By using 2gether or by making and/or requesting the purchase of a product and/or service through it, the User agrees to be bound by these Conditions and by all the aforementioned, so, if the User does not agree with all of this, he / she should not use the 2gether Mobile Application or the Services offered by 2gether.

Likewise, it is informed that these Conditions could be modified. 2gether may notify the User via email or telephone, but, ultimately, the User is responsible for consulting them each time they access, browse and / or use the Application or the Website, given that the Conditions that will be applicable will be the ones that are in force at the time of the request for the purchase of products and / or services.

For all questions that the User may have in relation to the Conditions, they can contact 2gether using the contact information provided above or, where appropriate, send an email to info@2gether.global or support@2gether. global. These General Terms and Conditions of Use of the 2gether Service complement the Terms and Conditions of Use of each of the 2gether Services. All the General Terms and Conditions and each Service are part of the same legal body and must be accepted by the User before accessing and enjoying the 2gether Services.

1. The Service

1.1 The Service

Through the Service, 2gether provides the User with an environment in which they can:

  • Test different services and / or pre-commercial products and/or new versions of commercial Products, owned by 2gether and / or third parties;
  • Make suggestions and contribute ideas (hereinafter the «Ideas»);
  • Receive recommendations on new services and / or products, which can be tested (hereinafter, the «Recommendations»).

1.2 Technical requirements

On the Web and in the 2gether Application where the Services, Pre-commercial Products and / or the New Versions of Commercial Products and / or the Products and / or Ideas and / or Recommendations are offered at any time, 2gether will publish the minimum technical requirements for the use and, where appropriate, the corresponding installation.

The 2gether application is designed for Android and IOS mobiles available through the Apple Store and Google Play stores respectively.

The downloads are free for the user.

1.3 Advantages and Promotions

For the registration of Users in the Service and / or, where appropriate, for the participation of Users in the studies, surveys and / or questionnaires that are carried out and / or made available to them at any time on the Web and in the application, among other purposes, to know their experience after trying the Services, the pre-commercial Product and / or the new versions of commercial products of the Service; The User may receive certain advantages and / or participate in promotions that may exist at any time, in accordance with the instructions and other requirements that, in each case, they will be informed of.

1.4 Functionalities of the Service

1.4.1 The service offers:

  • Prepaid card and shared IBAN. 2gether will provide the user with a prepaid VISA card and a non-nominative IBAN number.
  • Crypto. 2gether will provide the user with an environment in the mobile application to operate with cryptocurrencies.
    • Wallets. On the one hand, the user will have a wallet, dependent on a public Blockchain, where he / she will have its balance in cryptocurrencies, specifically Bitcoin and Ether, through which they can enter and withdraw cryptocurrencies, and link its prepaid card to it in order to make Payments.
    • Accounts. The User may operate in the unregulated cryptocurrency market through the Accounts provided by 2gether in its mobile application. The User, without leaving the environment provided by 2gether, will be able to operate in this market, but the deposit of his / her funds will be on the platform of a third party, KRAKEN. In compliance with the regulatory requirements and within the policies of 2gether, the User may send cryptocurrencies from its Accounts to its Wallets in 2gether or to other accounts or crypto wallets hosted outside of the environments provided by 2gether. Additionally, the User will also have his / her account in regulated currency (hereinafter, FIAT), specifically Euros, in another wallet, with which he / she will have the same functionalities previously described for cryptocurrency accounts.
  • Transfers. The user may make transfers with regulated currencies EUROS (FIAT). Transfers in FIAT currency, for the moment Euros, can be made in two ways: (1) indicating the IBAN of the destination account to which the money is to be transferred and (2) if it is a transfer to a 2gether User, indicating in the contact list, within the 2gether environment in the app, the user to whom the money will be sent.
  • ATM/Cash withdrawal at the ATM. The User will be able to withdraw money in euros with its 2gether card from ATMs that accept VISA cards.
  • Tokens 2GT. When the User registers in the 2gether application, and after accepting all the legal terms for its contracting and use, they will optionally acquire 200 tokens issued by 2gether, called “2GT”, whose minimum acquisition price amounts to 10 euros (the price of each 2GT is 0.05 euro cents, minimum purchase 200 2GT = 10 euros). The User may purchase more 2GT. Currently, the acquisition of these 2GT tokens is made through a SAFT contract. Once the token has been issued, which will be conveniently announced, the User will be able to operate with the 2GT.
  • Returns. The returns made by 2gether to the user, whatever the reason (failed purchase made by card, withheld movement, or error in the purchase of cryptocurrency), will always be made in Euros.

The regulation of this acquisition of 2GT will be detailed later, in the corresponding appendix where the Terms and Conditions of Use of this service are detailed, and will be subjected to a bilateral contract between the User and 2gether.

The general terms and conditions of use of these Services provided by 2gether are detailed independently and can be found below.

1.4.2 Safe Money

Regulated money, also known as FIAT, that the User has in 2gether, is deposited in Pecunia Cards EDE an electronic money institution that is regulated by directive 2009/110 of the European Commission and continuously supervised by the Central Bank of Spain. Unlike banks, electronic money institutions cannot lend or invest customer deposits and must have them available at all times.

The cryptocurrencies that the User has in its PURSE will be deposited in the public Blockchain of each of the available cryptocurrencies, specifically, Ether and Bitcoin. The cryptocurrencies you have in the ACCOUNTS will be deposited in the Kraken environment.

2. Conditions of access and use of the service

2.1. Registration and operational conditions

2.1.1 Service Access

  • Cost. The use of all services is free, except for certain third-party commissions that are passed on to the User. Notwithstanding the foregoing, the use of the Service, the Products and / or Pre-commercial Products made available through the Service may be subject to the payment of a price and / or compliance with certain conditions and/or requirements, in the manner determined in the corresponding terms and conditions of the appropriate Service, Product or Pre-commercial Product, which will be previously informed to the User and accepted by him/her.
  • Legal age to access the Service. In order to access the 2gether Services, the User must be of legal age, that is, they must be over 18 years of age.
  • Previous registration. Access and / or use of the Service requires prior registration of Users.The steps that a future 2gether user must follow and complete to access the 2gether services are the following:
    • Download the mobile application. To register for the 2gether services, the user must download the application (available on Google Play and the Apple Store depending on the characteristics of the mobile device). Once the application is downloaded, the User must open it to begin the registration procedure.
    • Password. First, the User will be asked for an email, and a password or password to access 2gether through the mobile application. Subsequently, a phone number, to send a security code and continue with the registration process.
    • Identification to obtain a prepaid VISA card. The User will access an environment in which they will be asked for a photograph, on both sides and itsNational Identity Document, Passport, or NIE card.In this User identification procedure, 2gether acts as a third party before the issuer of the VISA Card, which is Pecunpay.
      • User identification procedure.2gether acts as a service provider to Pecunpay.2gether acts as a service provider to Pecunpay.

        Upon completion of the process, 2gether will send both parties the electronic certificate attesting to the engagement.

        The mechanisms provided by 2gether for the Signatory Client Receiver to complete the digital contracting process are the following: One-time.

        • Password / URL link (OTP) sent by SMS or Email. Identification procedure by capturing Selfie (Facial Photography of the Receiver).
        • Identity validation procedure by capturing images of identity documents. (OCR / MRZ validation).
        • Payment settlement procedure, through payment with bank cards or SEPA mandates.
        • Video identification in streaming for the capture of documents and the explicit consent of the client.
      • Legal guarantees of the identification procedure:
        • The 2gether electronic signature will have full legal validity for Pecunpay, in accordance with the provisions of article 3.10 of the current Electronic Signature Law.
        • Pecunpay has appointed 2gether as a Commercial Agent in charge of negotiating and/or concluding the purchase / sale and / or provision of services with the Client or User. Thus 2gether being responsible for the processing of all the charges established by Pecunpay and accepted in full by the Client or User, which hereby authorizes 2gether to debit each payment on the cards or bank accounts indicated therein.
        • 2gether, as the provider of the onboarding service within the procedure, is in charge of issuing and keeping the electronic certificate for a minimum of 5 years, a document that certifies the procedure.
        • 2gether is in charge of data processing in accordance with the provisions of articles 28 and following of Law 3/2018 of December 5, Protection of Personal Data, and the guarantee of digital rights and with the General Regulation of Protection of Personal Data of the European Parliament and of the Council 679/2016.
    • Terms of Use and Privacy Policy. Before continuing to enter data, the User must read and accept, expressly, freely and unequivocally, the Terms of Use of 2gether and the Privacy Policy in the treatment of personal data of 2gether.
    • Acquisition of 2GT. The User may, if he / she wishes, acquire 200 tokens issued by 2gether called 2GT, for a minimum amount of 10 euros. The User will be free to purchase more 2GT, but this is the minimum amount to access some of the 2gether premium products, services, or benefits (eg card). Subsequently, after payment, subject to the return policy specified in its corresponding section, you will sign a contract to purchase the tokens, specifically, Simple Tokens Futures Agreement – 2GT Token (hereinafter, SAFT). , of which its general specifications, but not the only ones, are found in the Terms and Conditions of Use of the 2GT Token Service. In any case, the terms and conditions of the acquisition of the 2GT will be regulated in the SAFT.
    • Data for sending the prepaid VISA card. The User enters the shipping address of the prepaid VISA card. This product is not available for those services that do not reach the minimum Founders membership (200 2GT).
  • Diligent use of access codes. The User must use the access codes, in accordance with the instructions indicated by 2gether on the Web and in the application in each case (hereinafter, the «access codes»). The access codes initially assigned to the User may be subsequently modified, suspended or revoked, altogether, by consequences derived from the Service, proceeding, in any case, to be communicated to the UserIn any case, the User agrees to make diligent use of the access codes and keep them secret and not transfer them, as well as communicate altogether, the loss or theft of the access codes in the shortest possible time, so that they can be deactivated. In any case, the User will be responsible for the consequences of any kind that correspond to the use of the Service by part of a third party that uses the access codes of the User for this purpose until, where appropriate, the User has requested the deactivation of said access codes, except that he / she would have acted with intent or negligence.
  • Registry. Once registered in the corresponding Service, through the 2gether mobile application, 2gether will confirm the registration of the User.
  • Low. 2gether informs that any User can unsubscribe from the Service, through the specific procedure detailed in the Application. If the User has any problem to process the cancellation in the environment provided by 2gether, they will be able to contact 2gether to carry out the cancellation, going to the contact details established in the heading of these General Conditions of Use of the Service. For any questions, the user may contact 2gether by email at support@2gether.global or bajas@2gether.globalLow. 2gether informs that any User can unsubscribe from the Service, through the specific procedure detailed in the Application. If the User has any problem to process the cancellation in the environment provided by 2gether, they will be able to contact 2gether to carry out the cancellation, going to the contact details established in the heading of these General Conditions of Use of the Service. For any questions, the user may contact 2gether by email at support@2gether.global or bajas@2gether.global

2.1.2 Operational Conditions of the Service

Given the operation of the Services offered, specified in point 1.4.1, the User, when contracting them, is aware that, as specified in the Terms and Conditions of Use of each Service provided by 2gether, it will be subjected to certain conditions and operating limitations of each of the Services.

2.1.3 Correct use of the Service: Obligations of the User

    • User commitment. The User agrees to:
      • Use the Service in accordance with the Law, with the General Contracting Conditions and with Legal Notices published on the Website and the application, where the Service is offered, with these General Conditions of Use of the Service, and of each of the Services, generally accepted good customs, practices and morals and public order.
      • Use the service appropriately, in accordance with the purpose for which it has been made available to you.
    • Use prohibitions. For these purposes and, as an example but without limitation, the User agrees not to use the Service, or the Products, or the Pre-Commercial Products, or their New Versions for:
      • Advertising and / or selling other products or services;
      • Increase traffic to other websites for commercial purposes, advertising sales, or any other purpose;
      • Reformat the questions and answers posed by 2gether and / or other Users and / or third parties, to show or duplicate fragments of the Service on its website or other third party websites;
      • Establish links between the Service and its website or other third party websites or use the Service or the Websites where they are offered in «meta-searches».

By using the service, the User agrees:

  • Not to interfere or try to interfere in the proper functioning of the service.
  • Respect the intellectual and industrial property rights of the products and services, both of 2gether, and of third parties to which access is provided.
  • Not to use the services provided by 2gether in a way that violates a law, nor to injure or violate the intellectual or industrial property rights of 2gether or third parties.
  • Do not use the Service and Products for spam, or in contravention of Spanish, European and other applicable laws regarding commercial mass mailing or advertising by electronic means.
  • Prohibition of commercial use. 2gether provides the Service to Users for their exclusive personal use and may not be used for commercial purposes. If the User wishes to use any fragment or part of the Service and/or the Products and/or Pre-commercial Products and/or the New Versions of Commercial Products for commercial purposes, they must obtain the prior and express consent of 2gether and the owners of the Products. and/or the Pre-commercial Products and/or their New Versions. Any use of the Service and / or the Products and / or PreCommercial Products and / or its New Versions (i) that infringe the intellectual property rights of 2gether and / or its corresponding licensors or (ii) for commercial purposes, will be investigated and 2gether and / or the corresponding licensors will have the right to take pertinent civil and criminal legal actions.
  • Intellectual and industrial property of 2gether. Both the content, the software of the Service, the Products and the Pre-commercial Products and their New Versions are the property of 2gether and / or their respective owners, and are protected by the rules of protection of intellectual, Spanish and / or European property and / or international. For this reason, the User agrees not to use the Service or the Products, or the Pre-commercial Products, or their New Versions for illicit purposes or that may damage the rights of third parties or that, in any way, may damage or deteriorate the Service, the computer equipment, property, as well as the image of 2gether and / or its owners, other Users or third parties.As an example, but without limitation, the User agrees:
    • Not to use the Service, the Products and / or the Pre-commercial Products and / or their New Versions to store, distribute or disseminate images, content or comments that (i) attempt or may infringe on the public fundamental rights and freedoms of individuals; (ii) incite violence or criminal acts; (iii) carry out a defense against terrorism; (iv) they are infamous or defamatory; (v) are discriminatory based on sex, race, age, beliefs or condition; (vi) they are pornographic, degrading, they attack minors or, in general, they are contrary to the Law, good customs or public order; (viii) infringe the intellectual or industrial property rights of third parties, without having previously obtained their authorization; (ix) is contrary to personal and family privacy or to the person’s own image
    • Do not copy, reproduce, alter, modify, create derivative works or publicly display any of the Services, Products, Pre-commercial Products, and / or New Versions (except for their exclusive personal and non-commercial use).
    • Not to use robots, spiders, or other automated devices or manual processes to control or copy any of the Services, Products, Precommercial Products and New Versions offered through the Service; nor of the Service itself.
  • Liability exclusion. 2gether will not be responsible in any case for personal injury, loss of profit or consequential damages, or other damages, including merely informative and non-limiting damages for loss of profit or data, interruption of commercial activity or any other type of damages or commercial losses, resulting from or related to the use or improper use of the Service, regardless of whether it was caused and whether it responds to contractual liability, tort liability or unlawful acts. The User assumes all responsibility derived from the use or improper use of the Service, expressly exonerating 2gether from any responsibility derived from the use or misuse of this, before any person or authority. Additionally, it excludes, to the fullest extent permitted by law, any liability for damages of any kind that may be due to the transmission, dissemination, storage, availability, reception, obtaining or access to any Content provided by users. and that it is available to other users.
  • 2gether may without prior notice and at any time suspend and / or expel from the Service a user who repeatedly manifests inappropriate behavior in the use of the Application or fails to comply with these Terms and Conditions. Consequently, it reserves the right to disconnect or suspend access to the Application to those users whose behavior or use of the Application is outside the parameters of good use published or established by 2gether.
  • Likewise, 2gether may carry out the suspension of the Service, temporarily or permanently, without notice when there are objectively justified reasons related to the security of the User or the suspicion of fraudulent use of the service. The User will be notified of this blocking or suspension, provided that it is not compromised for reasons of justified security.
  • 2gether reminds users of the Services that in accordance with their duty to collaborate with public authorities, they will provide the data of their users and the Contents of the Application to public authorities that so require for the investigation of a fault or crime.

2.2 Responsibilities and Guarantees

  • User Responsibility. The User is aware and voluntarily accepts that the use of the Service, the Products and / or the Pre-commercial Products and / or their New Versions is carried out, in any case, under its sole and exclusive responsibility. The User is, therefore, solely responsible for all matters related to the use of the Service, the Products, the Pre-commercial Products and their New Versions. In particular, the User is aware that the use of the Service, Pre-commercial Products and / or their New Versions may require compliance with a series of technical requirements, as well as the installation of certain software.
  • Disclaimer. 2gether cannot control the user’s use of the application. Therefore, it cannot guarantee that the user does so in accordance with the law, the current Terms and Conditions or any other regulation or conditions indicated. With respect to the services offered by third parties, 2gether presents them as provided by the provider and assumes no responsibility with respect to such services. The user is the one who declares to have knowledge of the service provided and will use them under his / her absolute responsibility.
  • Responsibility of 2gether
    • 2gether is exempt from any responsibility that may arise, for the User and / or its technical team, from the answers given by other Users about the Services, Products and Pre-commercial Products and / or their New Versions available for the Web or the Application.
    • 2gether is exempt from any liability that may arise from the use that the User makes of the Service and / or from the use that the User makes of the Products, Pre-commercial Products and their New Versions, as well as the possible technical difficulties or damages that their equipment may suffer. as a result of its use.
    • 2gether is exempt from any liability that may arise from the use of things owned by it, as well as from possible technical difficulties or damages that the User’s equipment may suffer as a result of its use.
    • 2gether may require the User, through the established legal channels, compensation for damages for the improper use of the PreCommercial Products Services and / or their New Versions, or for the use contravening these Conditions, and whose main responsibility falls on the User.
    • 2gether does not guarantee the availability and continuity of the operation of the Service, nor does it guarantee its usefulness for carrying out a specific activity. 2gether will warn Users, as far as possible, of possible interruptions that the Service may suffer.
    • 2gether does not guarantee the availability and continuity of the operation of the Products and / or the Pre-commercial Products and / or their New Versions of their property, nor does it guarantee their usefulness for carrying out a particular activity.
    • 2gether will warn Users, as far in advance as possible, of possible interruptions that the Service, Products and / or Pre-commercial Products and / or their New Versions may suffer.

2.3 Advertising on the Service

The User is aware that the Service, the Products, and / or Pre-commercial Products and / or their New Versions may, if applicable, include advertising and accept it freely and voluntarily.

2.4 Transmission, diffusion, and delivery of messages and files to third parties

El Usuario es consciente de que el Servicio, los Productos y / o Productos Precomerciales y / o sus Nuevas Versiones pueden, si corresponde, incluir publicidad y la acepta de forma libre y voluntaria.

  • User identity. To access the 2gether services, and specifically to access the VISA prepaid card, the user will upload a personal image and a photo of his / her identification document. 2gether, in accordance with the following clause, guarantees that personal data will be processed by 2gether in accordance with current and applicable legislation on the protection of personal data in Spain and in Europe at all times when the user is using the Service or registered in it.In point 2.1.1. of these Terms and Conditions, it is specified that 2gether acts as a trusted third party to the issuer of the VISA card, Pecunpay, and details the procedure to be followed and all its legal guarantees.

3. Protection of Personal Data

  • Legislation. 2gether respects the confidentiality of the personal data provided by the Users of the Service, as well as the treatment and processing of the User’s personal data through compliance with current regulations on data protection, specifically the regulations and stipulations contained in the Regulations. General Data Protection Policy 2016/679 («GDPR»).
  • Explicit consent. Users, by completing the form, also accept and authorize 2gether to use the personal data provided in the corresponding web registration form and in the application for the provision of the Service, and have read and expressly accepted the Privacy Policy of 2gether, as well as the Terms of Service or, where appropriate, the corresponding Product; and has given unequivocal and express consent for the processing of your personal data in accordance with the purposes of the Service and the Product in question.
  • Purposes, legitimation, recipients and rights. The purposes of the processing of 2gether personal data, the legitimacy of 2gether to do so, the existence of third parties to whom the personal data is addressed, as well as the exercise of the user’s rights to oppose, rectify, access, delete / cancel, limit the treatment and portability are included in the 2gether Privacy Policy that the User must accept to access the use of the service and the products regulated in these legal conditions of use.
  • Previous acceptance. The User will not be able to access or register or use the services provided by 2gether if he / she has not previously given his / her free, express and explicit consent to the 2gether Privacy Policy.

4. Industrial and intellectual property

  • Industrial and Intellectual property rights of 2gether. 2gether guarantees to possess or have acquired all the rights (i) on the Service -both the Service’s web pages and mobile applications as well as the rest of the tools and functionalities that the Service incorporates-; (ii) about the Products; (iii) in pre-commercial products; and (iv) in the New Versions of Precommercial Products; all except those programs that are owned by third parties or in the public domain.Likewise, 2gether guarantees that it owns or has the rights to use the brands that appear on the Service. Therefore, 2gether retains all of the aforementioned rights. The use that the User may make of them is limited exclusively to the purpose for which they have been made available in accordance with the provisions of these Conditions. In this way, any other use of the Service, the Products and the Precommercial Products (such as, among others, the reproduction, modification, alteration or distribution thereof) is absolutely prohibited.
  • Prohibitions. No material (software or trademarks) can be copied (except a private security copy) modified, altered or distributed without the prior authorization of 2gether and / or its corresponding owner.
  • User information. Since the Service offers the User many opportunities to actively participate, by contributing ideas, comments, suggestions, information, solutions to technical problems and any other type of information (collectively «Information»), 2gether has the right to preserve and use said Information, both in the Products and Pre-commercial Products as in their New Versions and in other products or Services (whether current or future), without providing any compensation to the User.To the extent that this Information may be covered by the laws of protection of intellectual property, the User (i) guarantees that he / she will cooperate with 2gether, to the extent that it is necessary to obtain such protection, if he / she so wishes and (ii) the User agrees to assign his / her rights to the aforementioned information to 2gether. In the same way, 2gether can share generic information (dissociated data, not personally identifiable and, therefore, data not considered personal) provided by any User, with business partners and other third parties.

5. Modification, suspension and/or withdrawal of the service

2gether reserves, at any time and without prior notice, the right to:

  • Modify the presentation and configuration of the Service and / or the conditions required to access and / or use them, with the in order to adapt it to technical developments, being able to introduce variants in it that segment the market or that incorporate new services and / or content, both free and paid, as well as any technical improvement that allows the incorporation of a greater number of services, in order to improve the Service; 2gether can, but is not obliged, to inform Users about these new modifications to improve the User Experience and improve the use of User Services. Generally, 2gether will notify, to the extent possible and not mandatory, via mobile application or via email of all changes to the Service. The only requirement will be, where appropriate, the publication of the corresponding modification, suspension and / or withdrawal, on the Web and in the Application where the Service is offered.
  • Suspend and / or withdraw access to the Service to those Users who do not comply with the provisions of these Conditions.

6. Prevention of money laundering, financing of terrorism and possible frauds

In compliance with Law 10/2010 on Prevention of Money Laundering and Financing of Terrorism, of April 28, and its regulatory developments, as well as the application directives, as a service provider for Pecunpay, 2gether will apply the due diligence measures required by said Law in its articles 3 and 5, being able to abstain from starting the business relationship or from executing any operation of not being able to comply with the provisions of art. 7.3 of said Law. For the sake of greater transparency, the following is established:

  • Prohibition. By accepting these Conditions, the User declares that they are not involved in any illegal money laundering or terrorist financing activities, or any other modality or type of fraud. In the event that the User uses, directly or indirectly, the 2gether Services and Products for this type of illegal activity, it will be understood that it violates the correct and authorized use of the Service provided by 2gether, who may cancel the Service and the Products used by the User, and will proceed in accordance with the provisions of the aforementioned regulations.
  • Prevention. The User agrees to answer the questions asked by 2gether and provide the documentation required to comply with the application of due diligence measures to comply with the legislation and regulations in force on the Prevention of Money Laundering and Terrorism Financing at any time and in the policy framework internally established by 2gther.All this will be applicable, also, in the cases in which there is taking place or there are indications of having committed any other type of fraudulent action constituting a crime, including as a preventive measure to them.
  • Follow up. 2gether may temporarily or definitively proceed with the blocking of funds and / or interruption of exchange operations, with the duration necessary to carry out an effective follow-up of the operations following the requirements of the Law. The user must actively collaborate and facilitate the information that is required for the application of appropriate due diligence measures.
  • Third parties. The third-party that provides 2gether with the VISA prepaid card and the IBAN, specifically Pecunpay, complies with all current legislation and regulations on the Prevention of Money Laundering and Terrorism Financing. 2gether, in turn, operates as a trusted third party for Pecunpay, being responsible for applying the diligence measures for each new User who purchases a VISA and IBAN prepaid card.
  • Politically Exposed Persons (PEP). The User who registers and accesses the 2gether Services declares, by accepting these General Terms and Conditions of Use, and all the Terms and Conditions of each of the Services provided by 2gether, that he / she is not an Exposed Person Politically, in accordance with the legislation in force regarding the Prevention of Money Laundering and the Financing of Terrorism.

7. Duration of the service

The provision of the Service has, in principle, an indefinite duration. The products currently available also do not have a specific and defined duration but will depend on the decisions taken by 2gether to maintain them or to openly launch new definitive products and services to the market.

However, 2gether reserves the right to suspend or end the provision of the Service, at any time. The termination or suspension of the Service for reasons beyond the control of the User will be communicated by 2gether to the User, as soon as possible.

8. Territoriality

The use of the Service is limited, expressly and only, to the countries of the euro zone and to Andorra, Monaco and San Marino.

2gether reserves the right to apply the necessary technologies to guarantee that the use of the Service by the User is carried out exclusively within the European territory.

2gether reserves the right to extend the provision of the service to other areas of the planet. The territoriality of the service will always be notified in the Terms of Service.

9. Applicable law and jurisdiction

For the resolution of disputes that may arise from these General Terms and Conditions of Use of the Service, the User expressly accepts the subjection to the jurisdiction of the Courts and Tribunals where 2gether has its registered office in Spain, resigning expressly to another that may legally correspond.

Any dispute must be resolved in accordance with the provisions of this document, which will be interpreted in accordance with Spanish legislation, expressly acknowledging to the user that it is applicable to this document and the use of the service.

10. Complaints and claims

The User can send its complaints, claims or any other comments they wish to make to 2gether through the contact information provided at the beginning of these General Terms and Conditions of Use of the Service through the email: support@2gether.global or through the contact details detailed in the heading of these General Conditions of Use.

In addition, 2gether has official complaint forms available to consumers and users, that they can request from 2gether at any time, using the contact information provided at the beginning of these General Terms and Conditions of Use of the Service.

Likewise, if a User arises out of the Use of the 2gether Services by the User, the User as a consumer can request an out-of-court settlement of disputes, in accordance with EU Regulation No. 524/2013 of the European Parliament and of the Council, of May 21st, 2013, on online dispute resolution in consumer matters. You can access this method through the website: http://ec.europa.eu/consumers/odr/.

Terms and Conditions of use of the prepaid VISA Card Service, transfers and ATM

These specific Terms and Conditions of Use regulate the use of the prepaid VISA Card service, transfers and cash withdrawal from ATMs, however, they are in any case a complement to the General Terms and Conditions of Use of the 2gether Service, which complete the present ones in their strictest sense and must be interpreted together and in all cases.

Transfers

The User may make transfers with regulated currencies (hereinafter, FIAT), specifically Euros. Transfers in FIAT currency, for the moment in Euros, will be made through a shared IBAN. The shared IBAN, and the VISA prepaid Card, are subject to the restrictions detailed in the Supplier Terms of Use (Pecunpay).

  1. Transfer Operations. Transfers can be made by the User in the environment of the wallets for the Euros account. From the mobile application, in the wallet environment of the Euros account, the User can enter and send money transfers in FIAT currency, specifically Euros.To send the transfers, the User will select Send, will select the desired amount, always within the limits established in these Terms and Conditions, and will fill in the required details of the recipient. Later you will receive a confirmation code via SMS to make the transfer.To enter in his / her wallet for the Euros account, the User will indicate the desired amount always within the limits established in these Terms and Conditions, and will fill in the required data and will do so by using a bank card.

    The User may send transfers, which can be done in two ways: (1) indicating the IBAN of the destination account to which the money is to be transferred and (2) if it is a transfer to a 2gether User, indicating in the list of contacts, within the 2gether environment in the app, the user to whom you want to send money.

  2. Conditions of Use. 2gether reminds the User that these transfers will be subject at all times to the Terms and Conditions of the issuer of the shared IBAN, Pecunpay. If there are any doubtful or unregulated terms or conditions in these Terms and Conditions, the provisions of the Pecunpay Terms and Conditions of Use will prevail, which can be consulted here: https://www.pecunpay.es
  3. Limits. As established in the General Terms and Conditions and in these Terms and Conditions of the specific Service, the operation with the card is subject to the limits established by 2gether and which are set out below.
  4. In the event of Cancellation. Before starting the unsubscription procedure, the User must transfer from his / her accounts hosted in 2gether (either FIAT money or cryptocurrency) the balances and amounts that he / she has to other accounts, whether bank or cryptowallets, outside the 2gether environment. If any amount of FIAT money remains in your account, 2gether, once the User requests the termination of the Service, will contact the User to proceed appropriately and deposit the excess money in the bank account where the User indicates. For any questions, the User can consult 2gether through the e-mail: support@2gether.global or bajas@2gether.global.

Prepaid VISA Card

  1. Registration and Card obtaining. Once the User has completed the registration in the 2gether application, as established in the General Terms and Conditions of Use, the User will provide a postal address to receive the VISA prepaid card (hereinafter, the «card», «prepaid card»).The delivery time of the card will depend on the contracted courier service and 2gether cannot offer the User any specific period of time to receive it.
  2. Activation and Use. Through the application, the 2gether User, and once the User receives the card by post at the indicated address, may activate or deactivate the Card, request a PIN code, or link payments his / her Card to any of the accounts that the User has in his / her wallet accounts, either in FIAT currency, specifically Euros, or in Bitcoin or Ethereum.
  3. PIN and Access Keys. The User is responsible for saving and memorizing his / her PIN and will have the same diligence and obligations as that established for the access codes in the General Terms and Conditions.
  4. Linking Accounts. The User is aware that if he / she links his / her Card to a cryptocurrency account, if he / she makes a payment and there is no amount in any of these cryptocurrency accounts, the payment will be denied.
  5. Limits. As established in the General Terms and Conditions and in these Terms and Conditions of the specific Service, the operation with the card is subject to the limits established by 2gether and which are set out below.
  6. Conditions of Use. 2gether reminds the User that the Use of the Card will be subject at all times to the Terms and Conditions of the issuer, Pecunpay. If there are any doubtful or unregulated terms or conditions in these Terms and Conditions, the provisions of the Terms and Conditions of Use of Pecunpay will prevail, which can be found here: https://www.pecunpay.es

Use of the Card

  1. The card is a prepaid debit product that can be used to pay for goods and services in the retailers that show the symbol of the card scheme. To use the card, present it at the time of payment. It can be used in partial or total payment of your purchase.
  2. With the card you can also buy online. 2gether is not responsible for payment platforms enabled by online stores or by websites that sell products and services.
  3. 2gether will not charge fees for reloading your card initially. However, at a later stage and with prior notice to the customer, 2gether may apply fees regarding the recharge and use of the card.
  4. When the User receives his / her card, he / she must use the 2gether mobile application to activate the card.
  5. If any purchase made by the User exceeds his / her available funds or the limits established for transactions in the General Terms and Conditions and in these Terms, the transaction will be rejected.
  6. The User can use the card to make purchases in the store, through the Internet or by phone. The card can be used to obtain cash through ATMs. Nor is it a warranty card or credit card. You will not earn interest on the funds loaded on the card. The User must not use the card for any illegal purpose.
  7. 2gether may stop, suspend or restrict your card or PIN for reasonable reasons related to:
    • Card security, card number or PIN, and
    • suspicious unauthorized or fraudulent use of the card or PIN. 2gether will inform the User if possible, before stopping, suspending or restricting his / her card or PIN and the reasons for doing so. If 2gether does not inform the User then, it will inform him immediately afterwards. The requirement to inform you does not apply when you compromise reasonable security measures or if it is illegal to do so.
  8. 2gether is not responsible for the quality, security, legality or any other aspect of the goods or services purchased with the card. 2gether is not responsible for the fact that a merchant has not accepted the card.
  9. We will not issue the card under these terms and conditions to anyone under 18 years of age.
  10. The Terms and Conditions of Use of the Card, in any case, are regulated by the Card issuer, Pecunpay, which can be found here: https://www.pecunpay.es

Cash withdrawal from cashers automatic (ATM)

  1. Operational. The User, with its prepaid VISA card provided by 2gether and issued by Pecunpay, will be able to access the ATMs of other banks that will be instructed to withdraw cash.This cash that you will have available to withdraw will be the one found in your account in Euros, in the wallet environment of Euro Account in 2gether. The user must follow the instructions at the ATM to perform the ATM withdrawal. This may involve entering the Card PIN.This cash that you will have available to withdraw will be the one found in your account in Euros, in the wallet environment of Euro Account in 2gether. The user must follow the instructions at the ATM to perform the ATM withdrawal. This may involve entering the Card PIN.

    2gether is not responsible in the event that the ATMs selected by the client do not work correctly or do not have cash available.

  2. Limits. As established in the General Terms and Conditions and in these Terms and Conditions of the specific Service, the operation with the card is subject to the limits established by 2gether and which are set out below.
  3. Euros. The User may only withdraw cash in Euros. In the event that the User wishes to withdraw cash in another currency the exchange rate of the ATM issuer will be applied, in addition to the spread of 0.25 and to the costs that may be incurred in these operations, which will be passed on to the User.If the User chooses to withdraw money using the currency conversion offered by the ATM owner, 2gether has no responsibility to the user for that currency conversion. Please note that the ATM provider may additionally charge its own fee for ATM withdrawals over which 2gether has neither control nor responsibility.

Notifications of movements in the card and in the accounts

2gether will notify by means of a notification in the application, once the User has successfully started his / her session, of the movements that the User makes with his / her wallet accounts, whether they are transfers, payments with the Card or cash withdrawals at ATMs.

Responsibility of the user with respect to transfers, use of prepaid VISA Card or cash withdrawal in automatic ATMS

  • The User guarantees that he / she is an individual acting solely in his / her own name and that he / she acts for a purpose other than that of a trade, business or profession.
  • If the User believes that a transfer made, a transfer received, the withdrawal of cash at ATMs and / or purchase with the prepaid VISA card (hereinafter, the card, or the VISA card) has been executed incorrectly or has not been Authorized by the User, he / she must inform as soon as possible through the email: support@2gether.global. If the User does not notify 2gether immediately at the time he / she becomes aware of what happened or within 60 days after the date of the transfer made, a transfer received, the withdrawal of cash at ATMs and / or or purchase with the unauthorized or incorrectly executed prepaid VISA card, the user will lose his / her right to correct the problem.
  • When it is shown that the User did not authorize a transfer made, a transfer received, the withdrawal of cash at ATMs and / or purchase with the prepaid VISA card, or that 2gether started or ran incorrectly (provided 2gether can prove that it has been carried out an incorrect transaction) and the User has notified 2gether in a timely manner within 13 months after the date of the transfer made, a transfer received, the withdrawal of cash at ATMs and / or purchase with the prepaid VISA card, to Unless the following Clause is applied, 2gether will refund the amount unduly transferred or transacted as soon as possible.
  • The User will be responsible for all losses incurred with respect to a transfer made, a transfer received, the withdrawal of cash at ATMs and / or purchase with the prepaid VISA card made by 2gether not authorized by the User, if the User has acted fraudulently, or has attempted intentionally or through gross negligence, has not complied with the obligations set out in the Clauses of the General Conditions of Use relating to security or diligence or has not notified us in time in accordance with the previous Clause.
  • The User is responsible for all financial or other liabilities incurred by 2gether, Pecunpay (acting as the issuer of the Card), a 2gether User, or a third party, caused by the breach of these Terms, his / her use of the 2gether services and any use of your 2gether account. The User agrees to reimburse 2gether, Pecunpay (which acts as the issuer of the Card), a 2gether User, or a third party, as appropriate and where appropriate, for these liabilities to the extent that it is not prohibited by current legislation.
  • The User remains responsible under these Terms with respect to all charges and other amounts incurred through the use of his 2gether Account at any time, regardless of the termination, suspension or closure thereof.
  • Only the User is responsible for understanding and complying with each and every one of the laws, rules and regulations of his / her specific jurisdiction that may be applicable in relation to his / her use of the 2gether Services, including, among others, those related to the activity export or import, taxes or transactions in foreign currency. The User is independently responsible to the State and its competent bodies for all tax obligations. 2gether will not be responsible for the execution of tax obligations, nor for the calculation and transfer of taxes that the User applies.
  • The User will be responsible and will assume damages, to 2gether, to its external suppliers, to its employees or agents who are authorized to act on its behalf without prejudice to any claim or demand (including legal fees) made or incurred. a third party, due to the breach of the General Terms and Conditions of Use and of each Service, for the violation of any law and / or the improper use of the 2gether Services.
  • Nothing in these Terms and Conditions of Use of the Service, be they the General Terms and Conditions or the specific ones for each Service, will operate to exclude responsibility for death or personal injury or for fraud or fraudulent misrepresentation or for any liability that cannot be excluded. or amended by law.

2gether’s responsibility with respect to transfers, use of prepaid VISA Card or cash withdrawal from ATMS

    • Except in cases where it has acted fraudulently with respect to a transfer made, a transfer received, the withdrawal of cash in ATMs and / or purchases with the prepaid VISA card that has not been authorized by the User, the User will not be responsible for what happens after he / she has notified 2gether, without delay, when he / she has noticed the loss, theft, the misappropriation or unauthorized use of the VISA Card or the Mobile PIN or the Card PIN that is related to those losses. You can notify us through the email: support@2gether.global.
    • 2gether will not be responsible for the defective or not executed execution in relation to a transfer sent or received that we have made according to a unique identifier that the User has provided us and that the User proves that it is incorrect. However, we will make all reasonable efforts to recover the funds involved in that transaction and may charge you for doing so, including passing on to you the charges made by the intermediary banks and / or the beneficiary’s bank for their assistance in the tracking process.
    • 2gether is not responsible to the User for the correct execution of a transfer made, a transfer received, the withdrawal of cash at ATMs and / or purchase with the prepaid VISA card, if it can demonstrate to the User (and when appropriate, by payment service provider of any beneficiary) that the payment service provider received payment within the appropriate time period. However, we will make efforts to trace any payment transaction not executed or executed in a faulty manner or any Transfer that has been successfully executed to an account that is considered fraudulent and we will notify the User of any results related to our search.
    • The User acknowledges that any restriction to his responsibility in relation to unauthorized or incorrectly executed payment transactions established in current legislation does not apply to losses related to electronic money exchanges or monetary exchanges.

2gether shall not be liable to the User for:

  • Delay or breach of 2gether’s obligations under these Terms (including any delay in payment) for any cause beyond 2gether’s reasonable control, including, but not limited to, any action or inaction by the User or a third party, any Force Majeure Event, bank delay, postal delay, failure or delay of any fax or electronic transmission, any accident, emergency, natural catastrophe or any abnormal or unpredictable circumstance;
  • Consequential or indirect loss (such as loss of benefits or opportunity) that the User may incur as a result of not complying with the provisions regarding the transfer service and all the Terms and Conditions of Use of 2gether services.
  • Losses as a result of the requirements imposed by Law 16/2009, of November 13, on payment services or Directive 110/2009 of the European Commission or the obligations of 2gether under the laws of any state of the European Union or from any other jurisdiction under which 2gether operates.
  • In no event will 2gether be liable for loss of benefits or any special, incidental or consequential damages arising from these Terms and Conditions of Use, the General Terms and Conditions, or otherwise in relation to the 2gether Services.
  • Furthermore 2gether is not responsible for:
    • any loss incurred by the User as a result of travel insurance abroad.
    • any loss incurred by the User as a result of the use of the prepaid VISA Card.
  • To the extent permitted by applicable law, 2gether is not liable, and User agrees to be responsible for any damage or loss (including but not limited to loss of money, goodwill or reputation, profit or other intangible loss) or any damage. special, indirect or consequential) that results directly or indirectly from:
    • The inability of the User to use the 2gether Services for any reason;
    • Delays or interruptions in the 2gether Services;
    • Viruses or other malicious software obtained by accessing the website or any associated site or service;
    • Failures, errors or inaccuracies of any kind in the 2gether Services;
    • The content, actions or inactions of third parties;
    • A suspension or other action taken regarding the User’s account at 2gether;
    • The User’s need to modify the practices, content or behavior, or his / her loss or inability to do business, as a result of changes in these Terms or 2gether’s policies;
    • Illegal actions and operations of third parties carried out with falsified and / or illegal documents or data received illegally;
    • Of the possible losses that may arise in the cases of not being able to execute the orders due to the blockade that 2gether could carry out for security reasons in the event of the possible detection of a suspicious transaction, there are reasonable doubts regarding the identity of the person who performs the transaction or any other reason that could indicate fraud.

Limits for transactions and transfers

  • Setting limits. 2gether reserves the right to impose, in its sole discretion, the limits for transactions and transfers, according to the criteria determined by us and which must not be disclosed and always in accordance with the provisions of current legislation on the Prevention of Money Laundering. of Capitals.
  • Current limits. The limits for transactions and transfers are detailed in the following table, which also includes the general limits for operations with 2gehter, as set out in the General Terms and Conditions of Use.
    • Card Payment (Sum of FIAT and Crypto)
      • € 2,500 (Daily Limit)
      • € 15,000 (Monthly Limit)
      • € 90,000 (Annual Limit)
    • Cashier (Sum of FIAT and Crypto)
      • € 300 (Daily Limit)
      • € 3,000 (Monthly Limit)
      • € 18,000 (Annual Limit)
    • Income (Sum of FIAT and Crypto)
      • € 5,000 (Daily Limit)
      • € 30,000 (Monthly Limit)
      • € 150,000 (Annual Limit)
    • Outgoing Transfers (Sum of Cryptos)
      • € 10,000 (Daily Limit)
      • € 30,000 (Monthly Limit)
      • € 150,000 (Annual Limit)

Miscellaneus

  • Applicable law and Jurisdiction. These Terms will be governed by the laws of Spain and any claim or dispute under these Terms of the Crypto Service will be subject to the non-exclusive jurisdiction of the Courts of Spain.
  • Duty to report. 2gether may report any illegal activity (or suspicious activity) carried out by the User or by another person to the police or other appropriate authorities, and cooperate with them in any investigation. Also 2gether may require the reasonable cooperation of the User in any investigation that 2gether or an authority carries out on the unauthorized use of its Crypto Services or any other service offered by 2gether.
  • Modifications. 2gether may make modifications to these Terms in accordance with the provisions of the General Terms and Conditions of the Service.
  • Taxes. It is the responsibility of the User to determine what taxes, if applicable, are applied to the payments he / she makes or receives, and it is his responsibility to collect, report and remit the correct tax to the corresponding tax authority. 2gether is not responsible for determining whether taxes apply to your operations through all of the services offered by 2gether. It is the responsibility of the User to comply with each and every applicable tax law in relation to their use of the Crypto Services and all the Services offered by 2gether.
  • Cession of rights. The User cannot assign any right, interest or obligation that he / she has under these Terms without the prior written consent of 2gether.
  • Right of correction. 2gether reserves the right, but will have no responsibility, to edit, modify, refuse to publish or delete any content from providers, in whole or in part, that in its sole and absolute discretion is objectionable, erroneous, illegal, fraudulent or otherwise in violation of these Terms.

Tokens 2GT Terms and Conditions

Introduction

It is important to note that cryptocurrencies or cryptocurrencies are not regulated in the European Union. 2gether will comply at all times with the state regulations derived from the transposition of the European Directives for Payment Services, Electric Money or Money Laundering, but beyond these issues that affect cryptocurrencies or cryptocurrencies, they do not have any regulation regarding its purchase, sale or price.

Any defined term that is not defined in these Terms will be defined in our General Terms and Conditions of Service. In case of conflict or inconsistency between our General Terms of Service; and these Terms and Conditions of 2GT Tokens, the latter will prevail and will have priority.

These Terms are independent of the General Terms and Conditions and the specific Terms and Conditions of the 2gether Services when any controversy, failure, material or physical loss, or any other damage suffered by the User is the result of the operation with 2GT tokens.

Notwithstanding all of the foregoing, the Terms and Conditions of the acquisition of 2GT tokens by the User will be regulated in a bilateral contract, signed by the User and by 2gether, Simple Future Token Agreement – 2GT Token (hereinafter, SAFT , for its acronym in English). In this SAFT all the conditions subject to the acquisition of the 2GT tokens acquired by the User will be regulated.

These Terms and Conditions explain and regulate the 2GT Tokens service, but the acquisition is only regulated by the SAFT that the User will sign with 2gether. If there is a controversy between these Terms and Conditions and the SAFT, what is contained in the SAFT will prevail.

Token 2GT

The 2GT token is an ERC20 token whose issue 2gether is working on.

  • Single and limited issue. There will be a single issue of 2.4 billion 2GT tokens. Never again will more tokens be issued. The price per token will be € 0.05.
  • Limited offer. 2gether will allocate a maximum of 400 million 2GT (€ 20M) during the public sale stage. This amount has been chosen based on projections of the 2gether business model during 2020, 2021 and 2022.
  • Minimum acquisition of 200 2GT to be a Founder of 2gether. User registers in the 2gether application, and after accepting all the legal terms for their contracting and use, he / she will optionally acquire 200 tokens issued by 2gether, called “2GT”, whose minimum acquisition price amounts to 10 euros (price of each 2GT are 0.05 euro cents, minimum purchase 200 2GT = 10 euros). The User may purchase more 2GT, but it will always be a minimum purchase of 200 2GT. Later, once the 2GT token has been issued, the User will be able to operate with the 2GT, but not while they are not issued.To acquire these 200 2GT and issue the payment, the User will have to link a credit or debit card to make said payment. This card will be saved in the 2gether application and can be removed from the cards saved in the application when the User wishes. The User may acquire 2GT paying with Bitcoin or Ether. Likewise, 2gether may give Users who purchase a certain number of 2GT with an additional 2GT bonus. This bonus will be defined by 2gether and the sections of the same according to the purchase of 2GT may vary according to the considerations adopted by 2gether.
  • Signature of the SAFT. After issuing the payment of the 200 2GT, amounting to a value of € 10, the User will sign a Simple Futures Agreement on Tokens – 2GT Token (hereinafter, SAFT, for its acronym in English).This contract will be bilateral, the User will sign it with 2gether. In the SAFT all the Terms of the acquisition of 2GT are regulated and the User will be able to access it once the payment is made and previously he / she has completed all the registration steps as specified in the General Terms and Conditions.As it is a bilateral contract, 2gether has no obligation to publish its content here.
  • Return Policy. The purchase of 2GT tokens, once made by the user, cannot be returned. 2gether will proceed to refund the purchase of 2GT only in the cases established by Spanish and European legislation for this type of transaction.If any of the assumptions contained in the legislation for the return of the purchase of 2GT is met, the user must contact the 2gether customer service department to proceed with the return process. In all cases, the user must take into account that the possible costs and commissions generated by the return will be borne by him, as long as it is due to causes beyond 2gether.Once 2gether has approved the return of the purchase of 2GT tokens, the refund will be made by bank transfer, within a maximum period of 30 days from the date the request is received and it is verified that the return conditions.

Important information

  1. Previous information. The User must be properly informed and observe and comply with all the laws and regulations in force in the relevant country. Potential buyers of rights to 2GT tokens and 2GT Tokens that 2gether issues and offers should inquire about the legal requirements that apply to the purchase of rights to 2GT tokens and 2GT tokens as well as the exchange control rules and existing taxes in your country of residence or domicile or of which you are a national.
  2. Exclusion from sale in the United States. The offer to purchase rights to 2GT tokens and 2GT tokens has not been registered and will not be registered under the Securities Act of 1933 of the United States, or any other that modifies or replaces it, nor with Under any state or federal securities law, and rights to 2GT tokens and 2GT tokens may not be offered or sold, directly or indirectly, in the United States of America, its territories or possessions, or in any area subjected to its jurisdiction (“USA”) Nor can they be addressed, directly or indirectly, to any American person (in accordance with the meaning attributed to this term in the “s” implementing regulations of said law). In addition, 2gether will not be registered under the United States Investment Company Act of 1940, or any other that modifies or replaces it, and buyers will not be able to benefit from any of the protection mechanisms provided in said Law.
  3. European Union. In relation to each Member State of the European Economic Area that has transposed into its legislation Directive 2003/71 / EC, of the European Parliament and of the Council, of 4 November 2003 on the prospectus to be published in case of public offer or admission To listing of securities, or that, pending said transposition, article 3.2 of said Directive applies, the rights to 2GT tokens and 2GT tokens can only be offered through the SAFT agreement that 2gether will sign with the User in those cases in which it is not requires the publication by 2gether of a brochure in accordance with the provisions of article 3 of the aforementioned Directive. Likewise, in relation to each Member State of the European Economic Area that has transposed Directive 2014/65 / EU, of the European Parliament and of the Council, of May 15, 2014 on the Markets of financial instruments and amending the Directive 2002/92 / EC and directive 2011/61 / EU (MIFID II), rights to 2GT tokens and 2GT tokens can only be offered through the SAFT agreement that 2gether will sign with the User to “retail customers” (from in accordance with the meaning attributed to this term in MIFID II) within the maximum purchase amount (term defined in the SAFT), and subject at all times to the “retail investor tranche” (term defined in SAFT).
  4. Announcements and information. No intermediary, operator, marketer or person in any other function may issue any advertisement, give information or express a statement in connection with the sale of the rights to the 2GT token or the 2GT tokens, without the prior written consent of 2gether and In any case, if it were issued or expressed without said prior written consent, it may not be invoked as authorized by 2gether or its administrators to make any decision regarding said information or manifestation.
  5. Cashback system with 2GT. 2gether reserves the right to grant cashback depending on the user’s transaction.
  6. Risk Factors
    • Potential Users should carefully study the following risk factors and other purchase considerations, and other information in the white paper (term defined below), together with their financial advisers and other independent professionals, before taking any decision to invest in respect of 2gether and the rights to 2GT tokens, before signing the SAFT to acquire the 2GT.
    • These risks are subject to contingencies that may or may not occur and 2gether cannot express any opinion on the probability that such contingencies will occur or not. If any of the risks described herein materialized, it could have a serious effect on the financial situation and on the results of 2gether’s operations, as well as on its ability to fulfill the obligations it assumes in the SAFT that it will sign with the User.
    • The risks and uncertainties explained below are those identified by 2gether as of this date, but it is possible that these risks and uncertainties are not the only ones to which 2gether is exposed. Those other risks and uncertainties, including those of which 2gether is not yet aware, could have a serious effect on 2gether’s financial position and results of operations, as well as on its ability to fulfill the obligations assumed by the firm. SAFT with the User. Also, potential buyers should be aware that risk can be amplified by combining various risk factors.
    • The SAFT and any information contained in these Terms or that is provided in relation to the rights to 2gt tokens or 2gt tokens: (1) are not intended to serve as the basis for a solvency or other assessment and (2) They should not be considered a purchase recommendation by 2gether to the recipient of this rights to 2GT tokens or 2GT tokens issued by 2gether. Potential buyers should conduct their own independent assessment of all risk factors and carefully read all other sections of the SAFT before signing the contract.
    • 2gether warns potential buyers that the projections and expectations contained in the SAFT and in these Terms are associated with risks and uncertainties that could make the final results and circumstances differ from those expressed or those that could be inferred from said projections and expectations, and that these do not bind 2gether regarding future results. Furthermore, there can be no guarantee that future results or expectations will be achieved.
    • Risks related to buy rights of the 2GT token and the 2GT token. Purchase 2GT tokens may not be suitable for all Users. Interested buyers are advised to consult with an independent investment advisor regarding the suitability of an purchase the 2GT tokens before making a decision to buy. In particular, the potential buyer should consult with an expert to determine whether: they
      • have sufficient knowledge and experience to make a proper assessment of the rights to the 2GT token and the 2GT tokens, the benefits and risks of investing in the rights to the 2GT token and the 2GT tokens and the information contained in the SAFT or any supplement that it incorporates.
      • It has sufficient financial resources and liquidity to face all the risks of an purchase of rights over 2GT tokens and 2GT tokens, even when the currency is different from the currency used by the potential buyer.
      • You fully understand the terms of the rights to the 2GT token and the 2GT tokens and are familiar with the behavior of financial markets and indices.
      • It is capable of evaluating (on its own or with the help of a financial advisor) the possible scenarios related to economic, interest rate or other factors that may affect its purchase and its ability to face the corresponding risks.
    • Risks in the purchase of tokens. The purchase of rights to the 2GT token and the 2GT tokens involves certain risks, such as, for illustrative purposes only, the following:
      • Value of 2GT tokens: the value of 2GT tokens may fluctuate up or down and the results obtained in the Past are not indicative of future results.
      • Non-existence of previous markets: prior to the issuance of the 2GT tokens there has been no public market or history of operations with 2GT tokens. Due to the absence of any prior market for the 2GT tokens, the issue price of the 2GT tokens cannot be guaranteed to correspond to the price at which the 2GT tokens are traded on the market subsequent to their issuance.
      • Volatility: Cryptocurrency and token markets are generally volatile and susceptible to price variations, and these variations can be significant, frequent and unforeseen. The company has no control over the events and circumstances that cause fluctuations in the crypto and token markets and consequently buyers are cautioned that their purchase of 2GT tokens is susceptible to the volatility that generally characterizes these markets.
      • Orderly and liquid market: the existence of an orderly and liquid market for 2GT tokens depends on a number of factors, among which the presence of buyers and sellers interested in buying and selling the 2GT tokens at a certain time can be highlighted, and the general economic conditions of the market in which the 2GT tokens are traded. These factors depend on the individual decisions of the buyers and on the general economic conditions of the market, over which the company has no control. consequently, there is no guarantee that the buyer will be able to trade or sell the 2GT tokens at the initial purchase price or higher, or even that they can be traded or sold.

Terms and Conditions of use of the crypto service

Introduction

The limits on the sale are subject to the income limits regulated in the General Conditions of Use of the Service in the clause relative to the Prevention of Money Laundering.

The User must read these Terms and Conditions containing risk warnings associated with the use of cryptocurrencies or cryptocurrencies and manually accept the icon that confirms their recognition of the risks associated with dealing with cryptocurrencies or cryptocurrencies.

It is important to note that cryptocurrencies or cryptocurrencies are not regulated in the European Union. 2gether will comply at all times with the state regulations derived from the transposition of the European Directives for Payment Services, Electric Money or Money Laundering, but beyond these issues that affect cryptocurrencies or cryptocurrencies, they do not have any regulation regarding its purchase, sale or price.

However, these terms must be read in accordance with our General Terms and Conditions of Service. Any defined term that is not defined in these Terms will be defined in our General Terms and Conditions of Service. In case of conflict or inconsistency between our General Terms of Service; and these Terms and Conditions of the Crypto Service, the latter will prevail and will have priority.

These Terms are independent and independent of the General Terms and Conditions and the specific Terms and Conditions of the 2gether Services when any controversy, failure, material or physical loss, or any other loss suffered by the User is the result of the operation with cryptocurrencies. or cryptocurrencies.

If you do not accept these Terms and Conditions of the Crypto Service, you will not be authorized to use them.

Risk Warnings

read the following risk warnings carefully before accepting these Terms.

  1. The trade of goods and products, real or virtual, as well as virtual currencies, cryptocurrencies, or cryptocurrencies (hereinafter, any of the three meanings) implies a significant risk. Prices may fluctuate on any day. Due to such price fluctuations, you can increase or lose value on your assets at any time. Any currency, virtual or not, can be subject to large fluctuations in value and may even lose its value. There is an inherent risk of loss occurring as a result of buying, selling, or trading anything in a market.
  2. Cryptocurrency exchanges also carry special risks that are generally not shared with official or regulated currencies (hereinafter, FIAT) or goods or products in a market. Unlike most currencies, which are backed by governments or other legal entities, or by products like gold or silver, cryptocurrency is a type of single currency, backed by technology and trust. There is no central bank that can take corrective action to protect the value of cryptocurrency in a crisis or to issue more currencies.
  3. Cryptocurrencies are a global system of currency firms and individuals that until now has not been autonomous and is largely unregulated. Traders of such coins rely on a decentralized, partially anonymous digital system that relies on peer-to-peer networking and cryptography to maintain its integrity.
  4. Cryptocurrency exchanges are probably susceptible to bubbles, rational or irrational, and loss of confidence, which could collapse demand relative to supply.
  5. The price or value of the cryptocurrency can increase or decrease rapidly at any time and can even drop to zero. The risk of loss in trading or holding cryptocurrencies can be substantial and can result in the loss of all of your exposure.
  6. There may be additional risks that we have not foreseen or identified in these Terms and Conditions or in these risk warnings.
  7. The User must carefully assess whether his / her financial situation and risk tolerance are adequate for any form of exposure to cryptocurrencies.
  8. Our bank providers do not transfer cryptocurrencies, exchange cryptocurrencies, or provide any services related to cryptocurrencies.

Crypto Services

Wallets. The user will have wallets, dependent on public Blockchains, where he / she will have cryptocurrency wallets, specifically BITCOIN, ETHEREUM and 2GT through which he / she can enter, transfer and withdraw cryptocurrencies and link his / her prepaid card to them in order to make payments.

Accounts. The User may operate in the unregulated cryptocurrency market through the Accounts provided by 2gether in its mobile application. The User, without leaving the environment provided by 2gether, may operate in this market, but the deposit of his funds will be on the platform of a third party, KRAKEN.

Wallets

  1. Operational. Within the Wallets environment, the User will have two cryptocurrency Wallets available, specifically, Bitcoin and Ether. These wallets are referenceable from his / her public blockchain. The User will have cryptocurrency wallets, specifically bitcoin and Ether, through which he / she can enter, transfer and withdraw cryptocurrencies and link his / her prepaid card to it in order to make payments.
  2. Public blockchain. These cryptocurrency accounts depend on a public Blockchain and 2gether is not responsible for this Blockchain suffering failures, service crashes, errors and service shutdown.
  3. Acceptance. By registering with 2gether and using the Crypto services provided by 2gether, you acknowledge that you:
    • Accept these Terms and Conditions and the General Terms and Conditions of the 2gether Services.
    • You have the full ability to accept these Terms and Conditions and participate in a transaction involving cryptocurrencies;
    • You are a resident within the European Economic Area or Andorra, Monaco or San Marino;
    • You will not use the Crypto Services, except for the intended purposes and not against the general prohibitions regarding your 2gether Account in accordance with our General Conditions of Use; and
    • You are familiar with the nature and workings of the technology behind cryptocurrency, and in particular, the irreversibility of transactions and the apparent risks associated with exposure to cryptocurrencies.
    • By accepting these terms, you agree not to violate them.
  4. Changes in the Terms and Conditions. 2gether is not obliged to notify Users in case of changes in these Terms and Conditions. However, 2gether may notify any future changes to these Terms and Conditions to 2gether users via the mobile app or by email.
  5. Technical and customer support. For more information about cryptocurrency wallets, see our Frequently Asked Questions or FAQs. If you have any questions about these Terms and Conditions of Use, you can also contact 2gether via email info@2gether.global or support@2gether.global.
  6. Transfers. The User may transfer cryptocurrencies to other 2gether users within the mobile application. This will be done in the environment of the user’s wallets, where the user can Login or Send.
  7. Limits. All transfers, whether in cryptocurrency or cryptocurrency or in FIAT currency are subject to the limits established in the General Terms and Conditions and in the Terms and Conditions of Crypto Services. These limits are also detailed in the 2gether app when using the Crypto Services and before any proposed transaction is accepted.

Accounts

  1. Operational. The User can exchange cryptocurrencies in the 2gether application, or convert them into another currency using the functions provided by the 2gether application in the Accounts environment or in the Accounts environment. The cryptocurrencies that you can buy and store in your 2gether account are limited to those established in the General and Specific Terms and Conditions of each 2gether Service and will be subject to the changes that 2gether considers and will notify, if necessary and mandatory, to the User.
    • You will be informed, in the Control Panel of the 2gether application, before sending your request to enter the Accounts, of:
      • the amount of cryptocurrencies that you will use to buy the amount of cryptocurrencies required,
      • the amount and the currency of the Cryptocurrency that you want to buy;
      • The exchange rate of the platform where you operate with your Accounts, if applicable.
    • Confirmation. To send the request to join the cryptocurrency exchange, you must confirm the details entered by pressing the exchange button in the corresponding part of the 2gether Control Panel. By entering these Terms, you accept the sole responsibility of entering the Accounts. 2gether will not be responsible for any loss you incur as a result of using this feature.
    • Notification. 2gether will inform the User, through notification in the application, of the operation that has been carried out in the Accounts.
    • Exchange rate or spread. As a whole, it will establish the exchange rate that may be subject to modification after prior notification to the User. Initially, and without prejudice to its modification, the Spread on the market exchange rate will be 0.25.
  2. Acceptance. By registering with 2gether and using the Crypto services provided by 2gether, you acknowledge that you
    • Accept these Terms and Conditions and the General Terms and Conditions of the 2gether Services.
    • You have the full ability to accept these Terms and Conditions and participate in a transaction involving cryptocurrencies;
    • It is resident within the European Economic Area, Andorra, Monaco or San Marino;
    • You will not use the Crypto Services, except for the intended purposes and not against the general prohibitions regarding your 2gether Account in accordance with our General Conditions of Use; and
    • You are familiar with the nature and workings of the technology behind cryptocurrency, and in particular, the irreversibility of transactions and the apparent risks associated with exposure to cryptocurrencies.
    • By accepting these terms, you agree not to violate them.
  3. Activation. To access the Crypto Services, you must activate these services through the Mobile Application and by accepting these Terms and Conditions, you can manage your cryptocurrency accounts, within your Mobile Application. You can do this in the Crypto environment in the 2gether mobile app.
  4. Access to Accounts. Once you have cryptocurrency available on your Accounts, you will be able to access the provided environment and operate in the exchange of cryptocurrencies or cryptocurrencies.
  5. Changes in the Terms and Conditions. 2gether is not obliged to notify Users in case of changes in these Terms and Conditions. However, 2gether may notify any future changes to these Terms and Conditions to 2gether users via the mobile app or by email.
  6. Technical and customer support. For more information about cryptocurrency wallets, see our Frequently Asked Questions or FAQs. If you have any questions about these Terms and Conditions of Use, you can also contact 2gether via email info@2gether.global or support@2gether.global.
  7. Cryptocurrencies available. The User may use the cryptocurrencies or cryptocurrencies that are currently in his / her 2gether account and may expose them on the Exchange.For more information on any of these cryptocurrencies, see our Frequently Asked Questions or FAQs. We will communicate this by Communications through the 2gether Control Panel in the mobile application when additional cryptocurrencies are added to the Crypto Services and also, 2gehter could communicate it by email.
  8. Exchange. 2gether provides the User with an environment in which to operate with his / her investment currencies or Cryptocurrency Exchange from a third party, Kraken. The User’s cryptocurrency Accounts will be deposited in Kraken’s own Exchange and the rules of the Exchange will be those of Kraken. 2gether only makes it possible to access the Kraken Exchange without leaving the 2gether mobile app. You can check the Kraken Exchange Terms and Conditions here: www.kraken.com

Transfers in the Crypto Services

  • Transfers. The User may transfer cryptocurrencies to other 2gether users within the mobile application. This will be done in the user’s wallet environment, where the user can Login or Send.
  • Limits. All transfers, whether in cryptocurrency or cryptocurrency or in FIAT currency are subject to the limits established in the General Terms and Conditions and in the Terms and Conditions of Crypto Services. These limits are also detailed in the 2gether app when using the Crypto Services and before any proposed transaction is accepted.

Availability of Crypto Services

  • 2gether does not guarantee that the User will be able to obtain the requested exposure to a cryptocurrency at the time of his / her request.
  • 2gether does not guarantee the value of any cryptocurrency at the time of your exposure request. 2gether gives the User access to a third party Exchange, Kraken, from their application.
  • Crypto services are provided without warranty of any kind, either expressed or implied.
  • 2gether does not guarantee that the Crypto service will be available 100% of the time to meet your needs. 2gether will endeavor to provide the User with the Crypto service as soon as possible, but there are no guarantees that access will not be interrupted, or that there will be no delays, failures, errors, omissions or loss of transmitted information.
  • However, 2gether will make all reasonable efforts to ensure that the User can access the Crypto Services in accordance with these Terms and Conditions.
  • 2gether may suspend the use of the Crypto Services for maintenance and will make reasonable efforts to notify you. The User, accepting these Terms and Conditions, acknowledges that this may not be possible in an emergency.

Crypto Services prices

  • Fees. Initially, there are no fees for the use of the Crypto Service. 2gether can establish rates, at a later stage of the Service, with prior notice to the User.
  • Exchange rate or spread in the Exchange. As a whole, it will establish the exchange rate that may be subject to modification after prior notification to the User. Initially, and without prejudice to its modification, the Spread on the market exchange rate will be 0.25.
  • The fee confirmed by the customer in the withdrawal request is an estimate and may not correspond to what the user can see directly on KRAKEN.
  • FAQs. For more information about our fees in connection with the Crypto service, please see our FAQ section.

Termination of the Terms and Conditions of the service

  1. 2gether can terminate these Terms and Conditions immediately at any time by informing the User through the application or via email.
  2. 2gether may immediately terminate these Terms and Conditions by written notice if:
    • The User commits a material breach of any of these Terms and (if such breach is remedial) cannot remedy that breach within a period of 30 days after having been notified in writing to do so;
    • The User repeatedly violates these Terms in a manner that reasonably justifies the opinion that his / her conduct is inconsistent with the intention or ability to comply with the terms of these Terms;
    • The User uses the Crypto Services to commit any act of fraud or any other illegal activity;
    • The User declares bankruptcy or goes through a similar event;
    • There is a legal obligation to do so;
    • The User dies.
    • If 2gether has reason to believe that the User’s use of the Crypto Services: damages, corrupts, degrades, destroys and / or negatively affects the Crypto Services or the 2gether Services, or any other software, firmware, hardware , data, systems or networks that are accessed or used by the User.
  3. The termination of these Terms entails the withdrawal of your access to the Crypto Services and, depending on the nature of the termination, the closure of the User’s account in 2gether and the cancellation of the prepaid VISA Card. In such cases, 2gether, together with the Card Issuer, will take care of your remaining balance in accordance with the General Terms and Conditions of the Service and the Terms of the prepaid VISA Card.

Financial advice

  1. For the avoidance of doubt, 2gether does not provide any investment advice regarding the Crypto Services covered by these Terms and Conditions. 2gether can provide information about the price, range, volatility of certain cryptocurrencies and events that have affected the price of cryptocurrencies, but this is not considered investment advice and should not be construed as such. Any decision to obtain exposure to cryptocurrencies offered as part of the Crypto Services is the decision of the User and 2gether will not be responsible for any loss suffered. If the User is not sure if an exposure to the cryptocurrency is adequate, he / she should contact an independent financial adviser.

Limitation of Liability

  1. Nothing in these Terms and Conditions excludes or limits the liability of 2gether or the User for fraud (including fraudulent misrepresentation or concealment), breach of contract, intentional breach, negligence or any other liability that cannot be legally excluded. or limited (including any liability with respect to death and personal injury resulting from our negligence, or that of our employees, agents or subcontractors).
  2. Any liability derived from a breach of these Terms and Conditions will be limited to any loss or damage that is a reasonably foreseeable consequence of said breach and that arises directly from the actions of the breaching party. Neither party will be responsible for any loss of profits, sales business or income.
  3. 2gether is not responsible to the User for any loss or damage, whether by contract, tort (including negligence), breach of legal or other obligations, arising from or in relation to its:
    • use or inability to use the Crypto website, mobile app, or services;
    • use or reliance on any content displayed on the mobile application, except when liability arises as a result of our breach of contract, negligence or fault.
  4. 2gether will not be responsible for any loss or damage that the User may suffer due to abnormal or unforeseeable circumstances beyond the reasonable control of 2gether that would have been unavoidable despite all efforts to the contrary, for example, delays or failures caused For problems with another system or Network, any breakdown or failure of transmission, communication, data processing or computer facilities, mechanical failure, an act of state or government, war, riots or terrorism, any natural catastrophe, the suspension of any market, postal or other type of strike or similar industrial action or any prevention or obstacle to obtaining any material, energy or other supplies necessary for the fulfillment of our obligations under these Terms and Conditions.
  5. 2gether uses industry standard techniques to protect your website and mobile application free from viruses and attacks, but 2gether cannot guarantee that they are free of viruses or other malicious software. We will not be responsible for any loss or damage caused by a virus, distributed denial of service attack or other technologically damaging material that infects your computer equipment, software, data or other proprietary material due to the use of the website or the Mobile Application or to download any content on it, or on any website linked to it.
  6. For the avoidance of doubt, if you have been the victim of fraud or an unauthorized transaction in your 2gether account, the responsibility of 2gether will be limited to what is stated in our General Terms and Conditions.

Customer Service and claims

  • Any complaint about 2gether or the services it provides should be addressed to the postal address detailed in the General Terms and Conditions or to the email: support@2gether.global. The User must clearly indicate that he / she wants to submit a claim to us. 2gether’s claims procedure establishes the process for submitting and resolving any claims.
  • A final response to your complaint, or a letter explaining why the final response has not been completed, will be sent to you within 15 business days of the filing of your complaint and, in exceptional circumstances, within 30 business days. If this is not possible due to unforeseen circumstances or lack of information, we will contact you.
  • The User, however, must take into account that if his / her claim is in relation to cryptocurrency operations, this is not regulated, and therefore 2gether cannot guarantee any solution to his / her claim beyond what is established in these Terms and Conditions. of the Crypto Service.

Límites para las transacciones y transferencias

  • Setting limits. 2gether reserves the right to impose, in its sole discretion, the limits for transactions and transfers, according to the criteria determined by us and which must not be disclosed and always in accordance with the provisions of current legislation on the Prevention of Money Laundering. of Capitals.
  • Current limits. The limits for transactions and transfers are detailed in the following table, which also includes the general limits for operations with 2gether, as set out in the General Terms and Conditions of Use.
    • Card Payment (Sum of FIAT and Crypto)
      • € 2,500 (Daily Limit)
      • € 15,000 (Monthly Limit)
      • € 90,000 (Annual Limit)
    • Cashier (Sum of FIAT and Crypto)
      • € 300 (Daily Limit)
      • € 3,000 (Monthly Limit)
      • € 18,000 (Annual Limit)
    • Income (Sum of FIAT and Crypto)
      • € 5,000 (Daily Limit)
      • € 30,000 (Monthly Limit)
      • € 150,000 (Annual Limit)
    • Outgoing Transfers (Sum of Cryptos)
      • € 10,000 (Daily Limit)
      • € 30,000 (Monthly Limit)
      • € 360,000 (Annual Limit)

Acceptance of 2gether as Third Party confidence in the process

The 2 parties (Contract Issuer and Signatory Client Receiver) agree to carry out this contract electronically, having a trusted third party, 2GETHER, who acts as a trusted service provider.

Therefore, the Issuer will provide the Client with access to a copy of the contract. 2GETHER will provide through this procedure what is necessary to carry out the digital signature of the contract. Access to the copy of the contract will be recorded electronically by 2GETHER. Once the user proceeds to accept the conditions established in the contract, this event will also be registered electronically by 2GETHER.

Upon completing the process, 2GETHER will send both parties the electronic certificate attesting to the contract. The Issuer will receive the certificate in the mailbox it has configured and / or in its 2GETHER client web panel. Likewise, the Signatory Client Receiver will receive the certificate at the email address indicated during the digital signature procedure.

The mechanisms provided by 2GETHER for the Signatory Client Receiver to complete the digital contracting process are the following, as requested by the Contract Issuer:

    • Password / One-time URL (OTP) link sent by SMS or Email.
    • Identification procedure by capturing Selfie (Facial Photography of the Receiver).
    • Identity validation procedure by capturing images of identity documents. (OCR / MRZ validation).
    • Payment settlement procedure, through payment with bank cards or SEPA mandates.
    • Video identification in streaming for the capture of documents and the explicit consent of the client.
    • Electronic signature of the client.

As a legal guarantee of this electronic contracting procedure, the 2 parties agree to the following:

  • They accept the use of the 2GETHER electronic signature solution, agreeing that they will have full legal validity, in accordance with the provisions of article 3.10 of the current Law Electronic Signature.
  • 2GETHER is established as a Commercial Agent designated by the Issuer of the contract, in charge of negotiating and / or concluding the operation of purchase / sale and / or provision of services with the Recipient. Thus, 2GETHER is responsible for the processing of all the charges established by the Issuer of the Contract and accepted in its entirety by the Recipient, who hereby authorizes 2GETHER to debit each payment on the cards or bank accounts indicated therein.
  • 2GETHER is established as the trusted third party within the procedure, being the person in charge of issuing and keeping the electronic certificate for a minimum of 5 years, a document that certifies the procedure.
  • All the necessary data is provided to 2GETHER so that it can provide the trust service and thus be able to issue and safeguard the electronic certificate, 2GETHER being considered to be in charge of data processing in accordance with the provisions of articles 28 and following of Law 3 / 2018 of December 5, Protection of Personal Data and guarantee of digital rights.

Miscellaneous

  • Applicable law and jurisdiction. These Terms will be governed by the laws of Spain and any claim or dispute under these Terms of the Crypto Service will be subject to the non-exclusive jurisdiction of the Courts of Spain.
  • Duty to report. 2gether may report any illegal activity (or suspicious activity) carried out by the User or by another person to the police or other appropriate authorities, and cooperate with them in any investigation. Also 2gether may require the reasonable cooperation of the User in any investigation that 2gether or an authority carries out on the unauthorized use of its Crypto Services or any other service offered by 2gether.
  • Modifications. We can make modifications to these Terms in accordance with the provisions of the General Terms and Conditions of the Service.
  • Taxes. It is the responsibility of the User to determine what taxes, if applicable, are applied to the payments he / she makes or receives, and it is his responsibility to collect, report and remit the correct tax to the corresponding tax authority. 2gether is not responsible for determining whether taxes apply to your operations through all of the services offered by 2gether. It is the responsibility of the User to comply with each and every applicable tax law in relation to their use of the Crypto Services and all the Services offered by 2gether.
  • Cession of rights. The User cannot assign any right, interest or obligation that he / she has under these Terms without the prior written consent of 2gether.
  • Right of correction. 2gether reserves the right, but will have no responsibility, to edit, modify, refuse to publish or delete any content from providers, in whole or in part, that in its sole and absolute discretion is objectionable, erroneous, illegal, fraudulent or otherwise in violation of these Terms.

Express, free and legal consent

I confirm that I have read these General Terms and Conditions of Use of the Service and Products of 2gether, I have understood them and, therefore, I freely accept their provisions and their clauses.

Privacy Policy

Introduction

Your privacy is important to 2gether. We believe that you should always know what data we collect from you and how we use it. This Privacy Policy is designed to help you understand how 2gether («2gether Money Management SL», «we», «the company» or»the company responsible») collects, uses, processes and discloses the information and personal data that you provide by accessing, using the website, www.2gether.global, or using the services that 2gether provides you through its website (from now onwards“web”) or through its mobile application (from now onwards,“ application ”or“ app”).

The treatment of personal data of 2gether is articulated around two principles for you as a user:

Transparency. We will always keep you informed of our practices in the privacy environment of your personal data.

Security. While we cannot promise perfection, we have implemented security tools designed to protect your information in accordance with industry standards and as required by the applicable law.

Responsible for preocessing data

The company responsible for Processing Personal Data is the commercial entity»2gether Money Management SL» with registered office at Paseo De Los Parques 6 – Portal 6, Bajo B, Urbaniz, Postal Code 28109 – (Alcobendas) – Madrid, info@2gether.global and provided with the CIF B87586400.

You can also consult the 2gether Data Protection Delegate (dataprotection@2gether.global), who is responsible for ensuring that rights and freedoms are not adversely affected by data processing operations, to obtain an opinion on the processing of personal data.

2gether takes the privacy and security of its Users very seriously, guaranteeing the confidentiality of the Personal Data to which it has access. The processing of personal data will always be carried out in accordance with this Privacy Policy and the applicable privacy and data protection legislation at all times.

2gether, in its capacity as Responsible for the Processing of Personal Data, guarantees Users that it will always apply the applicable technical and organizational security measures established in the current legislation, given the nature of the Personal Data processed and the circumstances of the processing, as well as those that are advisable given the state of technology, guaranteeing the integrity, security, and confidentiality of the Personal Data.

Purpose and general information

Both the access and use of the website www.2gether.global, and the access and use of the application will be governed by the provisions of this Privacy Policy, as well as by the General Legal Conditions of Use and the Policy Cookies, which the User accepts and agrees to respect, and by the applicable privacy and data protection legislation at all times.

Please read all three documents carefully before using the website or app.

Treated personal data

2gether will collect and process the Personal Data of users, whether or not registered on the website or in the application, in accordance with the provisions of this Privacy Policy, as well as under the specific data protection clauses for certain products or services that may be applicable in each case.

Mandatory data for the provision of 2gether services:

The data that the User must provide in order for 2gether to provide its services are:

  1. email address,
  2. DNI or Passport (name and surname, postal address, date of birth) and,
  3. Phone number.
  4. Handwritten signature.
  5. Facial photography.
  6. Profession.

Data obtained by using the app and the web: By using the web and the app, and by using the services provided, 2gether will obtain:

  1. the advertising identifier of the mobile device, the characteristics of the mobile device , the language of preference and the country location,
  2. login data (referring domain, visits to the website, date and time of access to the website),
  3. the access codes to the account information added by the User, the registration of account movements, as well as the data derived from the actions carried out by the user through the utilities of the Service provided by 2gether through the website or the application.
  4. Credit and debit card number.

All personal data can be provided directly by the Users or indirectly collected by the use of the Services and in the legally established terms, and will be processed and treated for the purposes described in this Privacy Policy.

2gether will limit the collection and processing of Personal Data only to the purposes of processing personal data, detailed in the following clause.

Pursposes of the processing of personal data

The personal data collected will be processed in order to:

  1. Provide the service. The service provided by 2gether, (from now onwards the «Service»), will include:
    1. Prepaid card and shared IBAN. 2gether will provide the user with a prepaid VISA card and an IBAN number to send transfers, but not receive.
    2. Crypto. 2gether will provide the user with an environment in the mobile application to operate with cryptocurrencies.
      • Wallets. On the one hand, the user will have some purses, dependent on a public Blockchain, where he/she will have his/her balance in cryptocurrencies, specifically BITCOIN and ETHEREUM, without prejudice to the other cryptocurrencies that are added, through which he/she can enter, transfer and withdraw cryptocurrencies and link his/her prepaid card to it in order to make payments. In these Accounts the User will also have his/her account in regulated currency (from now onwards, FIAT), specifically Euros, with which he/she will have the same functionalities previously described for cryptocurrency accounts.
      • Accounts. The User may operate in the unregulated cryptocurrency market through the Accounts provided by 2gether in its mobile application. The User, without leaving the environment provided by 2gether, may operate in this market, but the deposit of his/her funds will be on the platform of a third party, KRAKEN.
    3. Transfers. The user will be able to make transfers with regulated currencies EUROS (FIAT) in the Accounts environment. Transfers in FIAT currency, specifically Euros, will be made through a shared IBAN. The User will only be able to send money, not receive.
    4. ATM / Cash withdrawal at the ATM. The User may withdraw money in euros with his/her 2gether card from the ATMs previously designated by 2gether for it. Cash withdrawal from Wallets is not yet available.
    5. 2GT Tokens. When the User registers in the 2gether application, and after accepting all the legal terms for its contracting and use, he/she will optionally acquire 200 tokens issued by 2gether, called “2GT”, whose minimum acquisition price amounts to 10 euros (price of each 2GT is 0.05 euro cents, minimum purchase 200 2GT = 10 euros). The User may purchase more 2GT. Later the User will be able to operate with the 2GT.
    6. Returns. The returns made by 2gether to the user, whatever the reason (failed purchase made by card, withheld movement or error in purchase of cryptocurrency), will always be made in Euros.

    In the future, the 2gether Service may also consist of:

    1. Bank account aggregator. The 2gether application will enable the user to add accounts that they have subscribed to other banks in one place.
    2. Market Place. The User will access and may contract financial products and services from other financial entities around the world.
    3. Scoring. Develop reports and analytics on user activity so he/she can better manage his/her expenses and his/her financial and nonfinancial assets.
    4. Advertising. Personalized advertising on the web and in the 2gether app.
  2. Improve the service and generate new products and services. The data that the user generates through the use of the service will help 2gether to assess the impact and performance of the services and products offered and, if necessary, to create new products and services for the users.
  3. Analytical. 2gether will generate reports and market analytics on aggregated data from averages and trends in usage and user spending.
  4. User Experience. With the data generated by users, 2gether will be able to improve the user experience, specifically, by analyzing the browsing behavior and access of users on the website or the application, thanks to the cookies and the tracking code incorporated in our website and in the app. The CEM (Customer Experience Management) tool allows us to improve our applications and his/her experience as a 2gether user.
  5. Security. Through the use of user data, 2gether will be able to evaluate and improve their security.
  6. Communications. 2gether will send advertising and communications related to the service to users via email.

Recipients of personal data and third parties

Treatment Managers

2gether does not share users’ personal data with third parties.

However, 2gether allows access of its users’ personal data to third parties with whom 2gether has previously established professional relationships. These third parties, known as Treatment Managers, access the user’s personal data in order to fulfill the specific purposes for which 2gether processes personal data, established in the previous clause. These relationships between 2gether and its Data Processors are regulated and defined in their corresponding contracts, and comply with all the requirements of the current Spanish and European legislation on the Protection of Personal Data.

Likewise, 2gether ensures that its Treatment Managers comply with all the security requirements required by the current Spanish and European legislation regarding the Protection of Personal Data.

Dissociated data

2gether may share dissociated information (not considered personal data due to its inability to find out from which identified or identifiable people the data comes) from the transactions that are reflected in the record of movements of the service by the User with third parties that operate in the same economic and commercial sectors of 2gether or in different ones such as energy, food or insurance.

Dissociated data consists of replacing the exact details of the User’s Personal Data with imprecise ones (for example, replacing the number of operations by ranges, grouping the detailed information in higher criteria, etc.), therefore, it is impossible to personally identify to the user or know details of their consumption. A paradigmatic decoupled datum is an anonymous statistic.

2gether will not reveal in any case the name, surname, phone number, e-mail, or any other data that allows the user to be identified, except by legal obligation or in compliance with judicial or administrative decisions.

Transfer of personal data to third parties in the European Union

2gether cannot transfer the personal data of users to third-party companies without the prior and informed consent of the user, which, when necessary, will be obtained through electronic or paper forms corresponding, as appropriate.

In any case, 2gether will inform the User of the purpose of the treatment and the sectors of identity or activity of the possible assignee of the personal data, and previously will offer the User the possibility of accepting or not the assignment.

In any case, the assignees will be within the European Union, thus ensuring that the level of protection of privacy and confidentiality applicable to Personal Data will be equivalent to that fully applied in their capacity as Data Processing Manager.

Notwithstanding the foregoing, we inform you that 2gether may communicate your Personal Data to the competent judicial and administrative entities of the European Union, in order to comply with the applicable legislation at all times in the banking and financial sector, with the prevention of money laundering and terrorist financing and with consumer protection legislation.

Transfer of data to third parties outside the European Union

2gether may transfer Personal Data to a third party in a member state not belonging to the European Union or to an international organization, provided that the European Commission will have established that that country or international organization not belonging to The European Union offers an adequate level of protection for your Personal Data. The list of countries with an adequate level of protection according to the European Commission can be found here.

2gether will not transfer personal data to a third party or international organization outside the European Union without the appropriate level of personal data protection according to the decisions of the European Commission mentioned above, unless:

(1) they provide adequate guarantees on data protection, as established in the laws and regulations of the European Union on the protection of personal data; the User has the right to obtain a copy of these guarantees from 2gether or from the Data Protection Delegate of 2gether (for contact information, see above «PERSONAL DATA PROCESSING RESPONSIBLE»); (2) There are Binding Corporate Standards previously approved by the Spanish Agency for Data Protection, (3) the interested party or the User has given their explicit consent to the proposed transfer, after having been informed of the possible risks of such transfers for the interested party due to the absence of an adequacy decision and appropriate safeguards, (4) the transfer is necessary for the execution of a contract between the interested party and the responsible party or the application of pre-contractual measures adopted at the request of the interested party, (6) the transfer is necessary for the conclusion or execution of a contract concluded in the interest of the interested party between the controller and another natural or legal person, (7) the transfer is necessary for important reasons of public interest (8) the transfer is necessary for the establishment, exercise or defense of legal claims; (9) the transfer is necessary to protect the vital interests of the interested party or of other persons, when the interested party is physically or legally incapable of giving his consent; and (10) the assignment is made from a registry that, in accordance with Union or Member State law, is intended to provide information to the public and may be consulted by the general public or by anyone who can demonstrate a legitimate interest, but only insofar as the conditions established by the legislation of the Union or the Member State for consultation in the particular case are fulfilled.

Conservation time of personal data

The personal data provided by the User will be kept by 2gether while the user uses the service regularly.

2gether will review the personal data of its non-active users and block their data when 6 months have passed without activity. These blocked personal data will be kept by 2gether in accordance with the terms established in current legislation but will not be processed. Once these terms expire, they will be deleted from the 2gether databases.

Likewise, the personal data of 2gether users who are no longer being processed by 2gether will undergo a review process and if they are not processed within 6 months, they will be blocked, and when the corresponding terms expire, they will be deleted from the databases of 2gether.

Legitimacy for the treatment of personal data

The legal bases for the treatment of the User’s Personal Data according to the purposes previously described are the following:

  • The explicit and free consent of the User to process their Personal Data as established in this Policy of Privacy, and always in accordance with the applicable Spanish and European legislation on the Protection of Personal Data and Privacy at all times. The contractual obligations to provide the service to the User and in the event that the User contacts our Customer Service in order to process requests and offer an optimal service.
  • The obligations of 2gether for the detection and prevention of identity fraud in accordance with the provisions of the legislation on money laundering.
  • The legitimate interest of 2gether for:
    • Sending commercial communications.
    • Carrying out tests to correct possible errors, improve the Service and provide optimal Service to the User.
    • The preparation of internal analysis and reports to evaluate the result of different campaigns or promotions launched by 2gether.

User rights

2gether informs you that you can exercise your rights of

  • access,
  • rectification,
  • cancellation / deletion,
  • limitation of the processing of your personal data,
  • revocation of consent to process your personal data,
  • opposition to the processing of your personal data, and
  • portability

in accordance with the terms established in the current legislation. Here you can see in more detail what these rights consist of and how to exercise them.

To start the procedure to exercise one or more of these rights, you can send an email to the Data Protection Delegate of 2gether (dataprotection@2gether.global).

2gether warns you about your right to withdraw, at any time, the consent granted to collect and process your Personal Data, without affecting the lawfulness of the treatment based on the consent prior to your withdrawal. If you withdraw your consent to the processing of your Personal Data, it will automatically mean the deletion of the user account in 2gether. You can withdraw consent and unsubscribe from the 2gether Services by accessing, in the 2gether app, the Personal Area> Personal Data> Delete Account.

You can also revoke consent by sending an email to dataprotection@2gether.global or to bajas@2gether.global, or by sending a request to the 2gether postal address referenced in the heading of this Privacy Policy.

The User also has the right to data portability whereby, as a whole, at the User’s request, or to receive personal data concerning him/her, which he/she has provided to a Responsible, in a structured, commonly used and machine-readable manner, and he/she have the right to transmit these data to another Data Controller without hindrance by the Data Controller to whom the personal data has been provided.

As stated in this Privacy Policy, in the clause «RESPONSIBLE FOR PERSONAL DATA PROCESSING», you can also consult the Data Protection Delegate (DPD) of 2gether who is responsible for ensuring that the rights and freedoms of the interested parties are not adversely affected by data processing operations.

Finally, we remind you that, by legal imperative, you have the right to file a claim with the Spanish Agency for Data Protection or other European bodies responsible for the Protection of Personal Data. This is valid if you are a citizen of another Member State of the European Union and if you consider that the data processing does not comply with European regulations.

Promotional communications

By registering with 2gether, you can receive periodic emails from 2gether. If you have agreed to receive promotional communications by email, you may choose not to receive our communications at any time (i) by following the instructions provided in those communications; (ii) modifying your email preferences in the account settings; or (iii) contact us through support. Please note that even if you opt not to receive promotional communications, we may continue to send you non-promotional emails and other types of communications, as permitted by law, such as service emails related to our ongoing business relationship. Service emails contain service-related announcements that affect your account, such as product order confirmations, reward or payment updates, and responses to your comments and feedback sent to us.

Mobile apps, browser extensions, and websites can send you notifications, such as alerts, sounds, and icon badges. Push notifications or in-app messages may include operational messages and promotional messages about products, services, and offers that may be of interest to you. When using mobile apps, push notifications and other mobile alerts can be configured in the settings of your mobile device. As with emails, even if you opt out of receiving promotional communications, we may continue to send you non-promotional push notifications, such as those about your use of the applications or our ongoing business relationships.

Third party links

The user can find links on the website to other websites controlled by third parties. 2gether does not have the power to control the content provided by these other websites nor is responsible for the treatment of the personal data of the users carried out by those responsible for these websites. We remind you that this Privacy Policy only applies to Personal Data collected and processed by 2gether through the website or the application. Therefore, 2gether is not responsible for any aspect related to the treatment of User data that may be carried out by those responsible for these third-party websites.

Cookies

2gether uses cookies, which are files that are stored on the User’s computer that accesses and navigates through the website and, in particular, contains a number that uniquely identifies the User’s computer, even if the location changes or the IP address.

Cookies collect information that may allow us to identify you or your approximate location, as well as save information about your browsing preferences to provide you with a more personal experience on future visits to the website. The use of cookies also allows us to collect patterns of use of the website in order to improve our services.

For more information on the types of own and third party cookies used by 2gether, their configuration and / or deactivation, read and accept our «COOKIES POLICY».

Social networks

Currently, 2gether has profiles on different social networks: Facebook, Twitter, Medium, Reddit, BitcoinTalk, Telegram, LinkedIn and Discord. The treatment of data that 2gether carries out as responsible for the treatment of said data in these Social Networks is the one that the different Social Networks allow for the profiles available in them. Through the aforementioned social networks we keep informed about updates and activities on our website or any of the blogs that are part of our network. In any case, we do not export data from the different social networks unless we previously and expressly request the user’s consent for a specific purpose.

Changes and updates to the privacy policy

This Privacy Policy is effective as of the effective date established above. 2gether reserves the right to change this Privacy Policy always in accordance with the applicable laws regarding Data Protection in Spain and in Europe. If we make changes to this Privacy Policy, we will notify you through a notice on our website or, if appropriate, through a communication via email or a notification in your user area.

In any case, the date of the last update will appear in the heading of this Privacy Policy.

By continuing to access or use the 2gether Services after making such changes or updates, the user agrees to be subjected to the revised Privacy Policy.

Contact

If you have questions about this Privacy Policy or the use of your personal data, or if you want to correct or delete data, please send an email to info@2gether.global or dataprotection@2gether.global.

Política de Cookies

Los Datos Personales obtenidos mediante el uso de cookies en el sitio web de 2gether se rigen por las disposiciones de su Privacy Policy y también por las leyes y normativas europeas sobre Protección de Datos de carácter Personal en todo momento.

Lea atentamente la Política de privacidad y esta Política de Cookies.

Información Sobre las Cookies

Una Cookie es un pequeño archivo de texto que un sitio web almacena en su ordenador, teléfono o cualquier otro dispositivo, con información sobre su navegación en ese sitio web. Las cookies son necesarias para facilitar la navegación y que sea más fácil su uso, y no dañan su dispositivo. Si bien esta Política utiliza el término general ‘Cookies’, ya que son el método principal para almacenar la información utilizada por este sitio web, el espacio de “Almacenamiento local” del navegador también se utiliza para los mismos fines que las Cookies. Toda la información incluida en esta sección también se aplica a este ‘Almacenamiento local’.

Información Recopilada Automáticamente

2gether mide el rendimiento de su sitio web para mejorarlo y personalizarlo a favor de sus visitantes. Durante su visita, 2gether puede recopilar y almacenar automáticamente los siguientes tipos de información sobre su dispositivo y su visita:

  • El dominio y el host desde el que accede a Internet;
  • La dirección de Internet del sitio web desde el que se vincula directamente a este sitio web, si procede;
  • La fecha y hora en que llegó a nuestro sitio web, cuánto tiempo pasó en el sitio web y qué páginas visitó;
  • Su dirección de Protocolo de Internet (IP);
  • El sistema operativo y el software de navegación de su dispositivo.

El tratamiento de esta información, que se recopila automáticamente, cumplirá con todas las leyes y regulaciones existentes. En este sentido, debe aceptar esta Política de Cookies si desea utilizar este sitio web y la aplicación móvil de 2gether, así como la Política de Privacidad (LINK) si desea utilizar los Servicios y Productos de 2gether.

¿Para qué se Utilizan las Cookies en este Sitio Web?

Las Cookies son una parte esencial del funcionamiento de nuestro sitio web. El objetivo principal de nuestras Cookies es mejorar la experiencia de navegación del usuario. Por ejemplo, se utilizan para recordar sus preferencias (idioma, país, etc.) mientras navega y en futuras visitas. La información recopilada por las Cookies también nos permite mejorar la web mediante la estimación de patrones de uso, la idoneidad del sitio web para los intereses individuales de los usuarios, búsquedas más rápidas, etc.

En ocasiones, si hemos obtenido su consentimiento informado por adelantado, podemos utilizar Cookies, etiquetas u otras herramientas similares para obtener información que nos permita mostrarle, ya sea desde nuestro sitio web o desde sitios web de terceros o por cualquier otro medio, publicidad basada en el análisis de sus hábitos de navegación.

¿Quién usa la información almacenada en las Cookies?

La información almacenada en las Cookies de nuestro sitio web es utilizada exclusivamente por 2gether, excepto las identificadas a continuación como “cookies de terceros”, que son utilizadas y administradas por entidades externas para proporcionar servicios solicitados por nosotros para mejorar nuestros servicios y la experiencia del usuario cuando navega por nuestro sitio web. Los principales servicios para los que se utilizan estas “cookies de terceros” son obtener estadísticas de acceso y garantizar las transacciones de pago que se llevan a cabo.

Tipología, Propósito y Funcionamiento de las Cookies

Las cookies se agrupan en:

  • Por su duración, en las ‘COOKIES DE SESIÓN’ que caducan cuando el Usuario cierra el navegador. Permanecen operativas mientras son necesarias para el fin al que sirven (por ejemplo, para que el Usuario permanezca identificado en los Servicios 2gether) o cuando son borradas manualmente.
  • Por su utilidad, las cookies se clasifican como:
    • COOKIES DE RENDIMIENTO: Permiten recordar al Usuario sus preferencias sobre las herramientas que se encuentran en los Servicios de la web, para evitar tener que reconfigurar dicho servicio en cada visita.
    • COOKIES DE GEOLOCALIZACIÓN: Permiten saber en qué país se encuentra el Usuario cuando solicita un Servicio o un Producto en la web. Esta Cookie es completamente anónima y solo se usa para ayudar a guiar el contenido a la ubicación del Usuario.
    • COOKIES DE REGISTRO: Se generan cuando el Usuario se registra en la web, o más tarde cuando abre su sesión y se utilizan para identificarlo en los Servicios y mantener al Usuario identificado para que, si se cierra un Servicio, el navegador o la computadora que pueda identificarle cuando se conecta de nuevo a 2gether. Esta Cookie se elimina si el usuario hace clic en ‘cerrar sesión’.
    • COOKIES ANALÍTICAS: Permiten realizar estadísticas para la optimización y mejora de la experiencia de los Usuarios en el sitio Web. Permiten que el visitante sea identificado anónimamente para mantener un cálculo aproximado del número de visitantes y su tendencia en el tiempo, para saber qué contenido es el más visitado, y para saber si el Usuario es nuevo o, por el contrario, visitó anteriormente el sitio web
    • COOKIES PUBLICITARIAS: Permiten mejorar los anuncios mostrados a cada Usuario anónimo en 2gether, almacenando la duración o frecuencia de exhibición de los anuncios, la interacción de los Usuarios con los anuncios, establecen los patrones de navegación que permiten elaborar un perfil de interés publicitario y ofrecen publicidad adaptada a los intereses del Usuario.
    • COOKIES PUBLICITARIAS DE TERCEROS: Además de la publicidad administrada en las aplicaciones y Webs de 2gether, 2gether utiliza Cookies para permitir a las agencias de publicidad la posibilidad de publicar anuncios personalizados en sitios web o aplicaciones de terceros. De esta forma, la agencia de publicidad puede identificar al equipo del usuario 2gether en esos sitios web o aplicaciones de terceros y acceder a los datos asociados a ellos, para mostrar publicidad personalizada.

¿Cómo puedo evitar usar Cookies en este sitio web ?

Si prefiere evitar el uso de Cookies en esta web, teniendo en cuenta las limitaciones descritas anteriormente, primero debe desactivar el uso de Cookies en su navegador y luego eliminar las Cookies guardadas en su navegador asociado a este sitio web. Puede utilizar esta opción para evitar el uso de cookies en cualquier momento.

¿Cómo desactivo las Cookies?

El Usuario puede restringir, bloquear o eliminar las Cookies de este sitio web en cualquier momento cambiando la configuración de su navegador siguiendo los pasos que se indican a continuación. Si bien la configuración es diferente en cada navegador, las Cookies normalmente se configuran en el menú “Preferencias” o “Herramientas”. Para obtener más información sobre cómo configurar las Cookies en su navegador, consulte el menú “Ayuda” en el navegador.

El Usuario puede acceder a las instrucciones para acceder al menú de configuración de Cookies y, en su caso, navegación privada en diferentes navegadores, en:

Internet Explorer:

Herramientas -> Opciones de Internet -> Privacidad -> Configuración.

Para obtener más información, puede consultar el soporte de Microsoft o en la Ayuda del navegador.

Firefox:

Herramientas -> Opciones -> Privacidad -> Historial -> Configuración personalizada.

Para obtener más información, puede consultar el soporte de Mozilla o en la Ayuda del navegador.

Chrome:

Configuración -> Mostrar opciones avanzadas -> Privacidad -> Configuración de contenido.

Para obtener más información, puede consultar el soporte de Google o en la Ayuda del navegador.

Safari:

Preferencias -> Seguridad.

Para obtener más información, puede consultar el soporte de Apple o en la Ayuda del navegador.

Además, puede oponerse al uso de ciertas Cookies a través de los siguientes servicios:

  • http://www.criteo.com/deactivate-criteo-banners/
  • http://youronlinechoices.eu/
  • http://www.networkadvertising.org/choices/
  • http://www.aboutads.info/choices/

Actualizaciones y cambios en la Política de Cookies

2gether puede modificar esta Política de Cookies en función de requisitos legislativos o reglamentarios, o con el objetivo de adaptar dicha política a las instrucciones emitidas por las Autoridades Europeas de Protección de Datos, por lo que se aconseja a los Usuarios visitarla periódicamente para mantenerse actualizados.

Staking

What is staking?

Staking allows you to earn income from your cryptocurrencies by contributing to blockchain networks that use Proof of Stake (PoS) consensus protocols.

When you stake your cryptocurrency, you make the underlying blockchain more secure and more efficient. And in return, you are rewarded with more cryptocurrencies from the network itself.

To generate staking rewards on a Proof of Stake blockchain, a node has to designate a certain amount of tokens on the network (similar to a bond). The likelihood of a node being chosen to validate the next block is directly proportional to the number of tokens staked. If a node successfully validates a block, it is awarded a reward, similar to the rewards for miners on Proof of Work (PoW) chains. Validators would lose part of their investment if they approve a fraudulent transaction, which incentivises them to only approve valid transactions.

How do I make a profit from staking?

Staking on your own requires running a node on your own computer, synchronising it with the blockchain and putting enough cryptocurrencies into the node to reach the minimum threshold, including providing a substantial income and network security.

2gether’s mission is to select and bring the best of the decentralised economy to your mobile. We have thus selected the most profitable and secure staking products on the market and integrated them into the app.

We have integrated the staking of major cryptocurrencies with Kraken, one of the most secure and popular exchanges, offering the highest market interest rates on the most popular cryptocurrencies. Learn more.

We have integrated Euro Neutrino staking with Waves, one of the most innovative products on the market. Waves is one of the cryptocurrencies with the best reputation and track record in the market. The Waves platform has allowed us to fully integrate their product in 2gether. Learn more.

How do I start staking in 2gether?

To get started you need to take 3 simple steps:

  1. Create an account on the 2gether app if you don’t have one.
  2. Buy the desired amount of the cryptocurrencies you want to deposit. To buy Euro Neutrinos you will need to top up your euro account.
  3. Choose the amount to deposit and click on the «stake» button of the chosen cryptocurrency.

You will see your earnings in real time and daily in the app.

Will I lose my rewards if I cancel my stakes?

You can withdraw your funds at any time, without losing any accrued interest. Once the reward has been sent to your address, it is yours. There is no way to cancel a transaction that has already been sent.

What is the minimum amount required to stake?

You can stake as much as you want. There is no limit on the minimum amount.

What is Euro Neutrino (EURN) staking?

Euro Neutrinos staking is a system developed by Waves and distributed by 2gether, through which all 2gether users can generate passive income.

2gether’s mission is to bring the best of decentralised finance to your mobile, creating an ecosystem for all its Founders in which the 2GT is always at the heart of the model.

The staking of Euro Neutrinos (EURN), developed by Waves, is one of the most interesting and innovative decentralised products on the market, which is why we have integrated this investment opportunity into the app for our Founders.

STAKING DISCLAIMER

2gether cannot control how the user uses the 2gether application. Therefore, 2gether cannot guarantee that the user does so in accordance with the law, its General Terms and Conditions or any other regulations or conditions indicated. With regards to the services offered by third parties, 2gether presents them as provided by the supplier and assumes no liability for such services. It is the user who declares to have knowledge of the service provided and shall use them at their own risk. In addition, reward rates are subject to change and in compliance with 2gether’s Terms and Conditions. Please note that staked assets on 2gether are not covered by insurance against loss.
By accepting these terms, you certify that you have read, understood and agreed to the Terms and Conditions of the product. Through your participation in the 2gether staking programme, you agree that the decisions taken within the programme and in relation to the selected cryptocurrencies are taken by 2gether or by a third party on behalf of 2gether.

The communications made by 2gether in relation to the product are for the purpose of informing users and do not constitute any form of financial or legal advice. 2gether does not carry out any valuation of the potential value of the staked assets. In addition, it does not offer any guarantee as to the amount to be received by the client. The staking programme is not promoted as a business opportunity through terms such as «interest» or «dividend».