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Terms and conditions

Before continuing please read our Terms & Conditions.

This website is operated and provided by FIATECH LTD (“we”, “us”, “our”). Our company registration number is 11335633.

By using our website, you agree to all of the terms and conditions as set out below (“Terms of Use”) which will govern your use of our website.

These Terms of Use are effective from 01 of May 2019. We may change these Terms of Use from time to time by updating this page. We will not necessarily bring changes or updates to your attention so please revisit this page periodically to re-read these Terms of Use and to ensure you are aware of any changes. Your use of the website after a change has been made constitutes your acceptance of the amended Terms of Use.


This is a binding agreement between you and ’us’ (”us”, ”we”). By using our website, you agree to abide by these Terms of Use. If at any time you find these Terms of Use unacceptable, you must immediately leave the Site and cease all use of it.


​These Terms of Use refer to our Privacy Policy which also applies to your use of our website. Our Privacy Notice sets out the terms on which we process any personal information that we collect from you, or that you provide to us. By using our website you are agreeing to the use of your personal information as set out in our privacy notice and you warrant that all personal information provided by you is accurate.


These Terms of Use shall be construed in accordance with and governed by the laws of United Kingdom, without reference to rules regarding conflicts of law.


4.1. You acknowledge and agree that you use our website, products and services including any investment at your own risk. It is your responsibility to obtain financial, legal and investment advice based on your particular circumstances.

4.2. You represent and warrant that you possess, or that you have obtained independent professional advice to ensure that you have or have access to, such knowledge, experience and sophistication in financial, investment, tax, business and technology matters as to enable you to evaluate the legal, economic and other merits and risks associated with your use of our products and services.

4.3. We do not provide investment advice and will never act as your adviser or in any advisory capacity. We will not owe you fiduciary or similar obligations in connection with your use of the Website or any services and products unless arising under laws, rules or regulations to which we are subject in respect of that service.

4.4. If you do require investment advice or any other professional advice, or are in any doubt about these terms or any other information on the Website, please contact your appropriate independent professional adviser.


We may make certain downloads available to you from our website. If you download a file it is deemed to be licensed to you by us, for your personal, noncommercial, home use only. You may not sell, redistribute, or reproduce the file/s. All trademarks and logos are owned by us and you may not copy or use them in any manner.


6.1. When accessing the site, you agree to respect the intellectual property rights of others. Your use of the site is at all times governed by and subject to the laws regarding copyright ownership and use of intellectual property.​

6.2. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, ”Content”) in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights.

​6.3. ​​​​​​​​​​​​​​​​​​​You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User account. ​

6.4. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.​ ​

6.5. By using fiatech.io you agree that the usual requirement under the Consumer Protection (Distance Selling) Regulations 2000 for any goods and services ordered online to be supplied within 30 days will not apply to our products or services.


You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that:

7.1. is libelous, defamatory, obscene, pornographic, abusive, or threatening;

7.2. advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation;

7.3. advertises or otherwise solicits funds or is a solicitation for goods or services; or

7.4. provides medical advice to other users. We reserves the right to terminate your receipt, transmission, or other distribution of any such material using the site, and, if applicable, to delete any such material from its servers. We intend to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms or of any applicable laws.


8.1. We hereby disclaim all warranties. We are making the site available ”as is” without warranty of any kind.​​​​​

​​​​8.2. You assume the risk of any and all damage or loss from use of, or inability to use, the site or the service. 

8.3. We expressly disclaim any and all warranties, express or implied, regarding the site, including, but not limited to, any implied warranties of merchant-ability, fitness for a particular purpose, or non-infringement.

8.4. We do not warrant that the site or the service will meet your requirements or that the operation of the site of the service will be uninterrupted or error-free.


Our liability to you is limited. In no event shall we be liable for damages of any kind (including, but not limited to, special, incidental, or consequential damages, lost profits, or lost data, regardless of the foresee-ability of those damages) arising out of or in connection with your use of the site or any other materials or services provided to you by us. This limitation shall apply regardless of whether the damages arise out of breach of contract, tort, or any other legal theory or form of action.


10.1. We have no control over and no liability for any third party websites or materials. We work with a number of partners whose Internet sites may be linked with ours.

10.2. We have no control over the content and performance of these partner and affiliate sites, we make no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and we assume no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites.

10.3. Similarly, from time to time in connection with your use of the Site, you may have access to content items (including, but not limited to, websites) that are owned by third parties.

10.4. You acknowledge and agree that we make no guarantees about, and assume no responsibility for, the accuracy, currency, content, or quality of this third party content, and that, unless expressly provided otherwise, these Terms of Use shall govern your use of any and all third party content.


We are always on the lookout for new affiliate partners to help us promote our great services and promotions.

With the FiaTech referral programme you will get:​

– a referral link created with your personal Ethereum wallet to support your activity

– competitive commission rates paid automatically into your Ethereum wallet whenever a new purchase has been made through your referral link

– 30 days lifetime cookie after visitor clicked on your affiliate link.

Please be aware that you can only create a referral link with your personal Ethereum wallet and NOT using your exchanges wallet.


Occasionally we are promoting our FITH tokens on sale by offering Ethereum discounts exclusively to users who are buying and holding our FITH tokens.

To participate in our promotions you must be a verified user, buy and hold the minimum amount of FITH tokens and register with your personal Ethereum wallet.


FIATECH LENDING Platform is a decentralized peer-to-peer blockchain that provides access to crypto-backed investment products where investors creates their own investment orders, and borrowers have access to borrow a loan from the opened orders.

Global investors are using this Platform to loan out their funds to borrowers who must meet the terms, amount, and the fixed interest rates.

   13.1. Access to invested funds:
Investor acknowledges and accepts that for the duration of the investment term, they will not have access to their invested funds, nor will they be able to cancel their investment or withdraw invested funds before the investment term ends.

   13.2. Borrower authorization:
Borrower authorizes our automatic smart contract to receive and store collateral in return for a loan using Platform’s crypto-backed loan products.

   13.3. Fees:
Borrower shall pay to Investor 10% loan interest including 1% our Platform fees (subject to change anytime without prior notice).
Investors and borrowers are paying only the gas fees for loan deposits and withdrawals.

   13.4. Protection of loaned funds:
When Investor’s and Borrower’s digital assets are on loan, are deposited and protected by an unstoppable Ethereum Blockchain Smart Contract. These smart contracts runs exactly as programmed, without any third-party interference.

   13.5. Loan agreement:
The loan smart contract strictly requires every loan to be 100% backed by collateral plus 10% fees. For a borrower to borrow 10 ETH for a year, is required to put down 10 ETH plus 1 ETH fees as a collateral at the time the loan begins, kept secure in a smart contract. If the borrower is borrowing for less than a year, the 10% fees will automatically divide for the term of loan created.

   13.6. No advisory relationship:
This website is a peer-to-peer technology platform. This Agreement does not create an employer-employee relationship, advisor-investor relationship, joint venture or partnership between Investor and Platform.

   13.7. Communication of terms:
Our Platform reserves the right to revise the terms of this agreement at any time, without notice, which will be applicable to investments made at and after the time of revision. Investors are encouraged to review these terms on a regular basis.

We may communicate these terms and conditions in a variety of methods, including by email or posting on our website or blog.


We are currently offering 5% yearly interest for users who are lending us their GBP currency. Interest and the amount lended corresponded for each month are paid monthly into FIATECH user account and can be withdraw to user’s bank account at anytime.

e.g. If a user is lending us £1.000 for a period of 12 months at 5% interest per year, each month will receive £87.50 in his FIATECH account which can be withdrawn anytime into his bank account.

Users can’t cancel their lending contract before the expiring period under no circumstances. 


We impose certain restrictions on your permissible use of the Site. You are prohibited from violating or attempting to violate any security features of the Site, including, without limitation:

15.1. accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access;

15.2. attempting to probe, scan, or test the vulnerability of the Site, or any associated system or network, or to breach security or authentication measures without proper authorization;

15.3. interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site, overloading, ”flooding,” ”spamming,” ”mail bombing,” ”crashing” or instituting a ”DDOS” attack on the Site;

15.4. using the Site to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services;

15.5. forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Site; or

15.6. attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by us in providing the Site. Any violation of system or network security may subject you to civil and/or criminal liability.


You agree to indemnify us for certain of your acts and omissions. You agree to indemnify, defend, and hold harmless Us, our affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of the Site, your violation of these Terms of Use, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. We will notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.


If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms of Use to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.


Nothing contained on the Site should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by us or by any third party.


Company reserves the right to amend these Terms. Should Company seek to make such an amendment, which we determine is material in our sole discretion, we shall publish on the home page the fact an amendment will be made.

Should a court of competent jurisdiction rule this Amendment provision invalid, then this Amendment clause shall be terminated as part of this agreement. All amendments to the Terms shall be forward looking.


The Site is controlled and operated by FIATECH LTD with company number 11335633 and registered address at 20-22 Wenlock Road, London, United Kingdom, N1 7GU. We are trading through our website www.fiatech.io

Nothing in these Terms and Conditions limit any rights and remedies available to an entry under the Consumer Rights Act 2015 and the Consumer Contracts (Information), Cancellation and Additional Charges (Regulations) 2013.

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales, and our users recognize that any dispute shall be subject to the exclusive jurisdiction of the English courts as condition of using our services and products, users must ensure that, by doing so, they do not contravene any laws of their country of residence. We will not be liable in any way if our users use our services and products unlawfully.


All contents of this Site are: Copyright © 2020 FIATECH LTD.