Wickie | Greatidee AG

Greatidee AG is affiliated with a self-regulatory organisation (SRO) as a financial intermediary and is subject to the Swiss Anti-Money Laundering Act (AMLA/GwG). Wickie’s cryptocurrency services are supervised by the self-regulatory organisation SO-FIT. Greatidee AG is NOT supervised by FINMA and is NOT a MiCA-licensed Crypto-Asset Service Provider (CASP).

Terms of Use

Greatidee AG

Effective date: 1 January 2026 v2

This agreement (“Agreement”) is between you (hereinafter referred to as “User”, “you” or “your”) and Greatidee AG, a provider of virtual currency exchange services, which is registered under Swiss law (UID: CHE-421.069.761, registered at Gubelstrasse 12, 6300 Zug, Switzerland) (hereinafter referred to as “us”, “our” or “we”) (collectively referred to as “Parties”).

Regulatory status

We offer digital currency exchange services (“Services”) accessible via the platform through which we operate (“Platform”) at https://wickie.io/.

Account and e-money services: Account and e-money services are provided by Unlimit EU Ltd, company number HE 328641, registered at 125 Griva Digeni, Limassol 3101, Cyprus. Unlimit is licensed and regulated by the Central Bank of Cyprus as an electronic money institution. The Wickie account is also issued by Unlimit, which is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (company reference number: 900885) to issue e-money.

Important: Please note that electronic money products are not covered by the Deposit Protection Scheme of the Republic of Cyprus. We ensure that all funds received from customers are held in a separate account so that in the event of Unlimit’s insolvency, customer funds are protected against claims by Unlimit creditors.

By using the services via the platform, you agree that you have read, understood and accepted all the terms and conditions of the agreement, including documents related to this agreement, such as the GDPR policy, privacy policy, cookie policy, risk disclosure, appendices (if any), etc. All contract-related documents are an integral part of the Agreement and together form one document and are legally binding on you. If you accept the Agreement or other documents that may relate to the Services, you must cease using the Services via the Platform.

We reserve the right to amend the Agreement and to modify, alter, change or remove (temporarily or permanently) the use of the Services or any part thereof at any time and at our sole discretion, and shall not be liable if such action prevents you from using the Services or any part thereof. For the avoidance of doubt, in the event of changes to the Agreement or other documents related to the Services, information about pending changes will be provided to you in the App or by email 14 (fourteen) days before the changes take effect. If you do not accept such changes to the Agreement or other documents that may relate to the Services, you must cease using the Services via the Platform.

1. Authorisation and use of the Services

1.1. By using the Services, you agree to comply with all guidelines, notices, rules and policies regarding the use of the Services via the Platform and undertake not to engage in any restricted activities as defined in Section 10 below.

1.2. By using the Services, you represent and warrant that:

(a) You are a legal entity with full legal capacity and authority to enter into this Agreement;

(b) You are at least 18 years of age or of legal age to enter into a binding contract under applicable law;

(c) You are a person or representative of the legal entity who has the right and full authority to enter into this agreement on behalf of the legal entity;

(d) You have not previously been suspended or removed from using the Services;

(e) Use of the Services is void where prohibited by law;

(f) Your use of the Services does not violate any laws or regulations applicable to you regarding the use of the Services, including regulations relating to anti-money laundering, corruption and terrorist financing;

(g) You are not subject to any trade, financial or economic sanctions, embargoes or other restrictive measures imposed by the United Nations Security Council, the European Union, the United Kingdom (including Her Majesty’s Treasury), the United States (including the Office of Foreign Assets Control (OFAC) of the US Treasury Department), Switzerland (SECO), other countries, international or governmental bodies (“Sanctioned Person”);

(h) You are not a citizen or resident of, or a legal entity registered, present in, or controlled or owned by citizens or residents of Cuba, Iran, North Korea, Syria, Russia, Belarus, or any other sanctioned country or region as we determine in accordance with the consolidated sanctions list we follow (“Sanctioned Country”).

1.3. For the avoidance of doubt, you (including your beneficiaries) may not use the Services if you do not meet any customer due diligence criteria, requirements or requirements imposed by us and/or are classified by us as high risk criteria, as determined by us in our sole discretion.

1.4. We reserve the right to refuse registration or commencement of the relationship with you under this Agreement without cause. You acknowledge and agree that it is solely at our discretion whether we offer you any or all services. You also acknowledge that we are not responsible if you are unable to access third-party websites, platforms, services or products (including, but not limited to, those accessible through the Platform) as such additional requirements may be subject to customer due diligence requirements.

1.5. We may suspend, freeze or terminate the accounts of users who violate one or more terms of this Agreement and its appendices at any time, or suspend or terminate access to third-party websites, platforms or services. The final decision in this matter is always ours.

2. Verification process

2.1. In order to use the Services, you will be asked to provide your first name, last name, date of birth or the name of the legal entity, the name of the representative, the basis of representation, your email address, and to accept the Agreement and other relevant documents that may be requested at our sole discretion. You agree to provide complete and accurate information before using the Services and agree to promptly update any information you provide to us so that such information is complete and accurate at all times.

2.2. You agree to provide us with the information we request for the purpose of identity verification and to detect money laundering, terrorist financing, fraud and other financial crimes, and to allow us to retain this information. We will collect, use and disclose this information in accordance with our privacy policy and applicable Swiss data protection laws. You must undergo certain verification procedures before you can use the services.

2.3. In certain circumstances, we may require you to submit additional information about yourself, your business or your transactions, provide documentation and undergo further verification steps (such as the “enhanced due diligence” process) so that we can, among other things, determine the origin of your assets and funds for all transactions carried out in connection with your use of the Services, in accordance with the requirements of the Swiss Anti-Money Laundering Act (AMLA).

2.4. By providing us with information, you confirm that it is true, accurate and complete. You are responsible for any losses incurred in connection with the submission of invalid or incorrect data. You agree to notify us immediately if there are any changes to the information you have provided and to provide additional documents, records and information that we may require. We have the right to send you a notification requesting corrections, to remove relevant information directly and, depending on the circumstances, to terminate all or part of the services provided to you.

2.5. You authorise us to make enquiries directly or through third parties as we deem necessary to verify your identity or to protect you and/or us from financial crime such as fraud, and to take any action we deem necessary based on the results of such enquiries.

3. Services

3.1. Services. We offer the following digital currency services (“Services”):

(a) Wallet Services. We provide a hosted digital currency wallet (“Digital Currency Wallet”) and a hosted digital fiat currency wallet (“Fiat Currency Wallet”) that allow you to store, track, transfer, and manage your balances of supported and unsupported digital fiat currencies. For the avoidance of doubt, the Digital Currency Wallet and the Fiat Currency Wallet are not payment instruments, e-money wallets or similar instruments, and we do not offer you the ability to buy or sell one form of fiat digital currency for another; the fiat digital currencies may only be used in connection with the purchase or sale of digital currencies exclusively from us on this platform. All banking solutions, including the functionality to deposit and withdraw FIAT currency from your account on the platform and the hosting of the FIAT currency wallet, are provided by our partners who are licensed to provide such services;

(b) Exchange services. We offer an exchange service on the platform that allows you to buy and sell one digital currency directly from and to us with another digital currency or fiat digital currency;

3.2. We may rely on third parties to provide services. We reserve the right to unilaterally change any of these third-party providers with whom we have established business relationships for the provision of services at any time.

3.3. Generally applicable terms of use

(a) Information purpose. All materials, information, views, opinions, projections or estimates presented in relation to the services via the platform are provided by us for information purposes only and are subject to change without notice;

(b) Third parties. Please note that third-party content, products or services may be accessible in relation to the services on the platform; access to and/or use of such content, products or services is subject to the terms and conditions set by third-party websites or platforms;

(c) Informing the authorities. Under the Swiss Anti-Money Laundering Act (AMLA) and the regulations of the self-regulatory organisation SO-FIT, we are obliged to report suspicious activities and transactions to the Swiss Money Laundering Reporting Office (MROS) in accordance with the law;

(d) Cancellations and reversals. You acknowledge that all transactions made on the basis of the generated digital assets/payment request for digital currency are final and irrevocable (i.e. they cannot be cancelled). We may only reverse a transaction if it is required by applicable law, regulation or decision of the AML team to reject the payment due to non-compliance;

(e) Transaction delays. We reserve the right to take longer than our usual processing time to process a generated digital asset/payment request for digital currencies and/or to suspend the processing of a transaction for reasons such as conducting additional due diligence or at the request of our partners or a relevant government or regulatory authority;

(f) Fee policy. We reserve the right to change our transaction fee structure at any time and from time to time, or to increase our fees. Such changes shall take effect from the moment they are announced on the platform.

4. Fees

4.1. Each buy-sell and withdrawal transaction that users make via the platform is subject to a commission set by us, which is continuously announced and updated on the customer’s profile page in the back office and on our home page. The regular exchange fee is 1.49% of the exchange value. Outgoing transactions are subject to a fee of 0.3% of the transaction value plus additional network fees. Fees may change when demand on the network is high.

4.2. We may collect commissions from the cryptocurrency transaction made by the user as well as from the user’s account available on the platform. If the user’s account balances are not available to pay the commission, the commission may be deducted from the transfer amount or the transfer may be rejected by the platform. Commissions are service fees and are absolutely non-refundable (even if the transfer is cancelled).

4.3. If you use our services provided by third parties, additional fees may apply, which are included in the total amount of fees payable by you to us.

5. Risks

5.1. When using our services and platform, you are exposed to certain risks. For information on the risks you may be exposed to, please refer to our risk disclosure statement, which is available on our home page.

5.2. You acknowledge that digital currencies are highly volatile assets and that past performance is no indication of future results. You understand that you could lose some or all of your investment.

6. Swiss regulatory framework

6.1. Greatidee AG is affiliated with the self-regulatory organisation SO-FIT as a financial intermediary in accordance with Article 14 of the Swiss Anti-Money Laundering Act (AMLA).

6.2. We are subject to the Swiss Anti-Money Laundering Act (AMLA/GwG), the Anti-Money Laundering Ordinance (AMLO/GwV) and the regulations of our self-regulatory organisation SO-FIT.

6.3. Greatidee AG is NOT supervised by FINMA (Swiss Financial Market Supervisory Authority).

6.4. Greatidee AG is NOT a MiCA-licensed Crypto-Asset Service Provider (CASP). EU consumer protection regulations under MiCA do not apply. Swiss consumer protection regulations apply.

6.5. Customer deposits with us are NOT protected by a deposit guarantee scheme.

7. AML Policy

7.1. For information on how we implement AML requirements, please refer to our AML Policy, which is available on our home page.

7.2. We are obliged to report suspicious activities to the Swiss Money Laundering Reporting Office (MROS) in accordance with Article 9 AMLA.

8. Validity, termination and suspension

8.1. We may terminate this agreement, suspend your access to our services and reject any pending transaction requests at any time and for any reason at our sole discretion, with or without notice. In such a case, we may also give you advance warning, if possible, and guide you through the process of terminating the business relationship. We accept no liability or obligation for such action.

8.2. In addition, this agreement may be terminated in the following cases:

(a) By mutual agreement between you and us;

(b) upon expiry (and non-renewal) of the period for which this agreement was concluded;

(c) if one of the parties is dissolved without a legal successor / after the death of the user;

(d) upon discontinuation of our services;

(e) upon the notice period given for any of the reasons specified therein.

8.3. We may not complete and/or cancel your payment requests for digital currency, reverse a transaction, suspend, restrict or terminate access to the services for any reason, including the following:

(a) We are reasonably required to do so by applicable law, regulation or any authority to which we are subject in any jurisdiction;

(b) if we have a legitimate right to believe that it is necessary to protect the security of your funds;

(c) In our reasonable opinion, you are in breach of the agreement or the security requirements specified in the contract;

(d) We detect unusual activity on your part in connection with your use of our services, and you use our services in a manner that we reasonably believe to be suspicious, unauthorised or fraudulent, including, without limitation, in connection with money laundering, terrorist financing, fraud or other illegal activities;

(e) The use of our services is subject to any ongoing litigation, investigation or government proceedings.

8.4. In the event of a request by the user to close their account, the existing account balances of the digital assets in the account will be verified as soon as possible and returned to the user within 14 days, provided that no violation is found.

9. Liability and Indemnification

9.1. You are solely responsible for the actions performed through the use of the Services.

9.2. We do not guarantee that the use of the services will be uninterrupted, secure or free from errors or omissions, or that any defects will be corrected. No guarantee is given that our services will meet the requirements of third parties or be free from computer viruses or other harmful software.

9.3. To the extent permitted by Swiss law, we shall not be liable for any damages of any kind, including direct, indirect, incidental, punitive, special and consequential damages (including, without limitation, loss of profits, loss of revenue, loss of data or injury) arising out of or in connection with the Services, including the inability to use the Services, even if advised of the possibility of such damages.

9.4. You are liable for all refunds, chargebacks, fees, fines, penalties and other liabilities and/or losses incurred by us or our partners as a result of your use of the Services.

9.5. It is your sole responsibility to determine whether and to what extent taxes apply to transactions you conduct through the Services, and to withhold, collect, report and remit the correct amount of tax to the appropriate tax authorities.

10. General Provisions

10.1. Compliance with Laws and Regulations. You must comply with all applicable laws, regulations, licensing requirements, and third-party terms when using the Services.

10.2. Restricted Activities. In connection with your use of the Services, you agree and undertake not to:

(a) Violate or assist anyone else in violating any law, regulation, or rule of a self-regulatory or similar organisation that you or the other party must comply with when using the Services.

(b) Engage in illegal activities, including without limitation illegal gambling, money laundering, fraud, extortion, blackmail, data ransom, terrorist financing, other violent activities, or prohibited market practices and/or market abuse.

(c) use specialised IT software (e.g. web crawlers) to access our service data, extract other sensitive data or dissect any aspect of the Services accessible via the platform;

(d) perform any unauthorised vulnerability, penetration or similar tests or take any action that places an unreasonable or disproportionately large load on our infrastructure;

(e) manipulate and/or use our brand and/or company name;

(f) create membership by using the identity and address information of third parties without their knowledge and consent.

10.3. Account. We grant you a limited, non-exclusive, non-transferable licence, subject to the Agreement, to access and use the Services and Materials solely for authorised purposes as permitted by us from time to time.

10.4. Intellectual Property. We and our licensors retain all rights (including copyrights, trademarks, patents and other intellectual property rights) in relation to the products, services and all content, information and data provided on or through the platform.

10.5. Electronic Communication. You agree that communications between you and us shall be electronic. You agree to receive communications from us in electronic form, including email.

Important note for EU customers: Greatidee AG is a Swiss company and NOT a MiCA-licensed CASP. If you are an EU citizen, please note that EU consumer protection regulations do not apply. Swiss law and Swiss consumer protection regulations apply to this agreement.

10.6. Assignment. You acknowledge and agree that you may not assign, delegate, subcontract or otherwise transfer your rights and/or obligations under the Agreement. We may assign, delegate, subcontract or otherwise transfer our rights and/or obligations under the Agreement without informing you or obtaining your consent.

10.7. Waiver. Any failure or delay by us or our partners in enforcing the Agreement or exercising any right under the Agreement shall not be construed as a waiver of our rights.

10.8. Severability. If any provision of this Agreement is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render this Agreement unenforceable or invalid as a whole, and such provisions shall be removed without affecting the remaining provisions.

11. Governing Law and Jurisdiction

11.1. This Agreement and the relationship between the parties shall be governed by and construed in accordance with the laws of Switzerland, without regard to the conflict of laws rules of other jurisdictions.

11.2. The parties agree to submit to the exclusive jurisdiction of the courts of the Canton of Zug, Switzerland.

11.3. The place of performance and the place of enforcement of debts for registered users is the registered office of the company.

12. Company details

Company name: Greatidee AG
Trade name: Wickie
Business office: Gubelstraße 12, 6300 Zug, Switzerland
VAT ID: CHE-421.069.761
SRO membership: SO-FIT
Website: https://wickie.io/
Contact: support@wickie.io

End of Terms of Use

Greatidee AG | Gubelstrasse 12, 6300 Zug
UID: CHE-421.069.761 | SRO: SO-FIT