Welcome to KViTKA by Global Ukraine.

These Terms and Conditions (“Terms”) apply to Your access to and use of the mobile application KViTKA by Global Ukraine (“Application”) provided by the company Global Business Hub France Ltd, registration code 888 935 202, whose registered head office is at 8 Graham Bell Street, 57070 Metz, France (“Company”, “GBHF”, “We”, “Us”, and “Our”).

These general Terms set out the terms and conditions for Your KViTKA by Global Ukraine personal financial account (Your own individual account) and its related financial services (Crypto Wallets, Accounts, Cards, Exchanges, Transfers, Deposits, Withdrawals, Payments, etc.). These Terms, along with the Fees, Privacy Policy and any other terms and conditions that apply to our Services, form a legal agreement (“Agreement”) between You, the account holder; and us.

 I. KVITKA WALLET, ACCOUNT AND CARDS

You can access the Application via the Apple Store / Google Play marketplace.

Through the Application, You can access the following services (“Services”):

• Use of the Application.
• Virtual Asset Services – provisioning a virtual asset wallet/account and providing virtual asset exchange and transfer services.
• Virtual IBAN issuing – for fiat currency deposits and withdrawals.
• Payment card-related services, including payment card issuing and transactions.

Your use of the Application and Services is governed by these Terms, that apply to the entire business relationship between the customer and GBHF in its capacity as the operator of https://kvitka.gbhs.fr/en/kvitka-by-global-ukraine website and KViTKA's Application.

The sole parties to these Terms and Conditions are the customer and GBHF.

Services are provided in cooperation with Our third-party provider(s). Your use of the Services is hence additionally subject to the terms of Our third-party provider(s) which You must accept before using the Services.

Virtual Asset services are provided, and Virtual IBAN issuing and transacting is made available by Striga Technology OÜ (registry code: 16298772), address: Pärnu mnt 110, Tallinn, Estonia, in accordance with its terms and conditions.

Payment Card Services: The payment card is issued, and related payment services are provided by Wallester AS (registry code: 11812881), address F.R. Kreutzwaldi 4, 10120 Tallinn, Estonia, in accordance with its terms and conditions.

GBHF is the sole and exclusive responsible party for the operation and the contents of the KViTKA by Global Ukraine App.

If You disagree with any part of the Terms, then You do not have permission to access the Service.

This agreement is indefinite. It means that it is valid until You or we end it.

The opening of the account is only possible if You can present an address (permanent or temporary) in Europe.

 II. ACCOUNT CREATION

If You wish to use the Services, You must create an account in the Application. Your account must be linked to a valid e-mail address, and You must create a password that You will be using to log in to Your account. Requirements of Our third-party service provider(s) apply for account creation and access to Services.

Your password security to access the Application is under Your responsibility. On Our side the passwords are converted into secure representations using hashing algorithms (we don’t store user’s passwords in plain text). This ensures that the original passwords cannot be accessed directly.

Users are responsible for maintaining the confidentiality of their login credentials and must immediately report any suspected unauthorized access. We recommend the following best practices:

• Using strong passwords and changing them regularly.
• Avoiding the sharing of account details.
• Reporting suspicious activities promptly to our support team.
  

 III. FEES

Information on prices and costs are specified on the website: : https://kvitka.gbhs.fr/en/kvitka-by-global-ukraine. The list of fees charged for the Services is available on Our website.

Fees that are not related to card services are our service fees. We collect our services fees through our third-party provider Striga Technology OÜ. We guarantee that we instruct Striga Technology OÜ to debit the fees payable by You from Your account in accordance with the pricing applicable to You. We assume sole liability for compensating charged fees to which You have not consented.

Card-related fees are not our service fees, and they are collected by Striga Technology OÜ under their respective T&Cs.

The special PREMIUM tariff plan allows users to subscribe a monthly or annual subscription fee and enjoy lower transactions fees.

These subscription fees and account opening fees are collected outside of Striga’s fee collector. User can initiate the payment via the provided in-App link and pay the fees by card payment.

 IV. FREE TRANSFERS BETWEEN ALL KVITKA ACCOUNTS

You can send money to / receive money from all other KViTKA by Global Ukraine individual accounts. All these transfers are received immediately and are free.

 V. SYSTEM SECURITY AND DOWNTIMES

We are committed to ensuring the highest level of security for Our Application and customer data. Our system is protected by advanced security measures, including but not limited to:

• End-to-end encryption to safeguard data transmissions.
• Multi-factor authentication (MFA) for secure user access.
• Regular security audits and penetration testing to identify and mitigate potential vulnerabilities.
• Compliance with industry-standard security frameworks.
• Real-time threat monitoring and automated alerts to detect and respond to suspicious activities.
• Secure storage solutions with robust encryption protocols to protect sensitive information.

To ensure optimal performance and security, we conduct periodic maintenance and upgrades. Scheduled maintenance activities will be communicated in advance via email and notifications within the Application. Maintenance periods may result in temporary service unavailability, during which users may experience limited or no access to the system. We strive to minimize disruptions by performing maintenance during off-peak hours.

In the event of unexpected technical issues or system failures, we will make every effort to restore service as quickly as possible. Our technical support team is available 24/7 to address critical incidents. Users will be informed promptly via our official communication channels regarding the status of the issue and estimated resolution time.

For any security concerns or questions regarding system downtimes, users can contact our support team via the Application or by mail : hello@global-ukraine.org.

 VI. DATA PROCESSING

We process Your personal data in accordance with our Privacy Policy, available on Our website.

To the extent we process Your data upon the instructions of Striga Technology OÜ, we act as a data processor, but upon processing any additional personal data and/or for additional purposes, we act as a data controller.

To provide services under the agreement we need to collect information about You. By entering into the agreement, You are giving us permission to gather and store Your personal information for the purpose of providing our services to You. This doesn’t affect any rights and obligations You or we have under data protection law. You can withdraw Your permission by closing Your account, which will end the agreement between You and us. If You do this, we’ll stop using Your information for the purpose of providing our services, but we may need to keep Your information for other legal reasons.

VII. CUSTOMER SUPPORT

We are committed to providing exceptional customer support to ensure a seamless experience for our clients. Below are the details of our customer support services, including contact methods and response timelines.

How to Reach Us

Customers can contact our support team through the following channels:

Email: hello@global-ukraine.org (Response within 24-48 business hours)

Live Chat: Available via the Application (Response within minutes during business hours)

Support Availability

Our customer support team is available during the following hours:

Monday – Friday: 9:00 AM – 6:00 PM CET

Saturday – Sunday: Limited support available via email only.

Public Holidays: Responses may take longer than usual.

Response Time Commitment

We strive to address customer inquiries within the following timeframes:

• General Inquiries: 24-48 business hours
• Technical Support: 48-72 business hours depending on complexity
• Billing & Payments: 3-5 business days for resolution
• Complaints & Claims: Acknowledgment within 2 business days and resolution within 7-10 business days

Complaint Handling Procedure

If You have a complaint, please follow these steps:

Submit Your Complaint: Email us at hello@global-ukraine.org with Your issue details and supporting documents.

Acknowledgment: We will acknowledge receipt of Your complaint within 2 business days.

Investigation: Our team will conduct an investigation and provide updates.

Resolution: We aim to resolve complaints within 7-10 business days.

Escalation Process

If You are not satisfied with the resolution provided, You can escalate Your issue to our Customer Experience Manager at office@global-ukraine.org .

Feedback and Improvement

We value Your feedback and constantly strive to improve our services. Share Your suggestions at hello@global-ukraine.org .

VIII. ACCOUNT CLOSURE

We may close Your account immediately, in some exceptional circumstances, include the following: if we have good reason to suspect that You are behaving fraudulently or otherwise criminally; if You haven't given us (or someone acting on our behalf) any requested information we need, or we have good reason to believe that information You have provided is incorrect or not true; if You've broken these Terms and conditions in a serious or persistent way and You haven't put the matter right within a reasonable time of us asking You to; if we have information that Your use of the Application is harmful to us or our software, systems or hardware; if we have good reason to believe that You continuing to use Your account could damage our reputation or goodwill; if we have asked You to repay money You owe us and You have not done so within a reasonable period of time; if You've been declared bankrupt; or if we have to do so under any law, regulation, court order or ombudsman’s instructions.

We may also decide to close Your account for other reasons.

We would contact You through the Application or by mail at least sixty (60) days before we do this. Closing Your account and ending the agreement may also end any other agreements You have with us or through us. You can get more information through the Application or by contacting us.

IX. THE INTELLECTUAL PROPERTY

All the intellectual property in Our products (for example, the content in Our Application and on Our website, our logo and card designs) are owned by the Company. You must not use this intellectual property as Your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).

X. ACCEPTING THESE TERMS AND CONDITIONS

By accepting these terms and conditions You confirm that: You have read and understood these Terms and conditions; You have read, understood and accepted our Privacy Policy; and You have provided correct and accurate contact information (including an email address that You check regularly) during the onboarding process.

STRIGA TERMS AND CONDITIONS