Terms & Conditions

1. Introduction

With its registered address at Rue du Mont-Blanc 11, 1201 Geneva, Switzerland (hereinafter: "AIO", "we", or "us").

AIO is affiliated with SO-FIT (Self-Regulatory Organisation for Financial Intermediaries & Trustees), an officially recognised SRO under supervision of the Swiss Financial Market Supervisory Authority (FINMA) in accordance with Article 24 of the Anti-Money Laundering Act (AMLA).

AIO operates as a virtual asset-related services (VASP), in compliance with Swiss financial regulations.

2. Acceptance of Terms

By accessing this Website and using any services offered by AIO, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must refrain from using the Website or any associated services.

3. Services Provided

AIO provides secure and compliant digital infrastructure for merchants, including:

• Payment gateway solutions
• Fraud prevention systems
• Crypto and fiat payments (via third-party regulated providers)
• Tokenization of real-world assets
• Transaction monitoring dashboards and analytics tools

All services are delivered either directly or in cooperation with duly authorised financial partners. AIO does not hold client funds and does not engage in banking activities under the Swiss Banking Act (Art. 1 para. 2 BA).

4. User Eligibility & Onboarding

Access to services is subject to:

• Completion of a Know-Your-Customer (KYC) verification process
• Successful Anti-Money Laundering (AML/CFT) checks
• Risk assessment and internal approval by AIO

Users must provide accurate and complete information at all times.

5. Prohibited Use

Users are strictly prohibited from using AIO's services for purposes that include but are not limited to:

• Money laundering, terrorist financing, or sanctions evasion
• Transactions related to illegal goods or services.
• Fraudulent activities or market manipulation
• Using services in violation of Swiss or international law
• Misuse or compromise of system integrity.

AIO reserves the right to refuse, suspend, or terminate accounts without notice in the event of suspected unlawful use.

6. Regulatory Compliance

AIO is subject to and complies with all applicable Swiss regulations, including:

• Anti-Money Laundering Act (AMLA)
• FINMA Anti-Money Laundering Ordinance (AMLO-FINMA)
• Swiss Data Protection Act (rev. FADP 2023)
• Financial Services Act (FinSA), where applicable
• Rules and guidelines issued by SO-FIT, our supervisory OAR

All transactions may be monitored and reported in accordance with Swiss AML rules.

7. Liability Disclaimer

AIO endeavours to ensure uninterrupted access to its Website and services, but cannot guarantee availability at all times. AIO shall not be held liable for:

• Service interruptions (maintenance, security incidents, force majeure)
• Loss of data or content due to third-party actions
• User negligence, including credential mismanagement.
• Financial or reputational damage resulting from misuse of the platform.

Users accept that access and use of services are at their own risk.

8. Intellectual Property

All intellectual property on the Website — including trademarks, logos, source code, text, and media — are owned by AIO or licensed third parties. No content may be copied, reproduced, or redistributed without prior written consent.

9. Privacy and Data Protection

AIO processes personal data in accordance with the Swiss Federal Act on Data Protection (revFADP, 2023). Please refer to our Privacy Policy [insert link] for more information on how we collect, process, store, and protect your data.

10. Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any dispute arising from the use of AIO's services or Website shall fall under the exclusive jurisdiction of the ordinary courts of Geneva, Switzerland, unless mandatory legal provisions stipulate otherwise.

11. Contact

For any questions, support, or legal inquiries, please contact us at:

onboarding@aio.net