Terms of Use

The terms on which UQG Ltd provides the uQualify service.

Terms

Version 1.2, in force from 12 November 2026.

These terms apply when you use uqualify.co, apply through uQualify, or use your uQualify sign-in. Please read them with our privacy policy. By submitting an application you accept them.

1. Who you are dealing with

uQualify© is a trading name of UQG Ltd, a company registered in Cyprus (company registration number HE410562), registered office Prodromou 121, Hadjikyriakeion Building, 1st floor, Strovolos, 2064, Nicosia, Cyprus. In these terms "we" and "us" mean UQG Ltd, and "you" means the person or business applying. If you apply for a company, you confirm that you are authorised to do so and "you" also means that company.

UQG Ltd is the company you contract with for the uQualify service. How we are registered and supervised is set out on our regulation and compliance page.

2. What uQualify does

uQualify is a matching and placement service. You apply once. We check your application and documents, work out which institutions' rules you meet, and, with your agreement, introduce you and help see the onboarding through.

uQualify is not a bank and does not hold your money or digital assets.
We do not make onboarding decisions for any institution. Each institution decides on its own clients, and we cannot promise that any institution will accept you.
Nothing we say is financial, investment, legal or tax advice.

3. Who provides the services you apply for

The services you apply for are provided by the company named in your proposal, under that company's own agreement, which you sign separately. That agreement, and not these terms, governs the service itself.

Accounts, payments and currency exchange are provided under the uTransact name.
Card payments, other payment methods, prepaid cards and crypto are provided under the uCrypto name.
Where a service is provided by or through a partner institution, your proposal or agreement says so before you commit to anything.

uTransact and uCrypto are part of the same group as uQualify. Your proposal and agreement name the group company that is your contracting party for each service.

4. Your application

The information and documents you give us must be true, complete and your own to give. Tell us promptly if anything changes.
You tell us whose money will pass through the services, who owns and controls the business, and whether anyone involved holds a prominent public role. We rely on what you declare.
We may ask for more information or documents at any time, including after you are approved.
If an agent introduces you or completes the application for you, they act for you. You remain responsible for the application, and we ask you to confirm it.

5. The checks we carry out

The law requires us to know who our clients are. We verify your identity and that of the people who own, control and act for your business, which includes a live identity check on a phone. We screen against sanctions lists and other official and public sources, and we keep records of what we find. We may refuse, pause or end an application, and we may be unable to tell you why, where the law requires this.

We share your application with the group company that will provide the service, and with a partner institution only with your agreement. We also share information where the law requires it. Our privacy policy explains this in full.

7. Your sign-in

Keep your password and sign-in codes to yourself, and tell us at once if you think someone else has used your sign-in. Each person signs in as themselves. You must not misuse our websites, try to get round their security, or use them for anything unlawful.

8. Fees

Applying through uQualify is free for businesses and individuals. The fees for any service are set out in your proposal and agreed with you before that service starts. You owe nothing for a service you have not agreed to.

9. Our responsibility to you

We will provide the uQualify service with reasonable care and skill. We are not responsible for an institution's decision about you, for the services an institution provides under its own agreement, or for loss caused by information you gave us that was untrue or incomplete. We are not liable for loss of profit, loss of business or indirect loss. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud, or takes away rights you have as a consumer under the law of the country where you live.

10. Ending

You can withdraw your application at any time by telling us through Messages in your account or at the address below. We may close an application that is not completed, that we cannot approve, or where these terms are broken. After an application ends we keep the records the law requires us to keep, for as long as it requires.

11. Complaints

If something goes wrong, please tell us. How we handle complaints is set out under Complaints.

12. Changes to these terms

We may update these terms. The version and the date it came into force are shown on this page. The version in force when you submit your application is recorded with it. If a change matters to an application in progress, we will tell you.

13. Law

These terms are governed by the law of the Republic of Cyprus, and the courts of Cyprus have jurisdiction. If you are a consumer, you keep the protection of the mandatory laws of the country where you live and may bring a claim there.

14. Contact

Email hello@uqualify.co, or write to UQG Ltd, Prodromou 121, Hadjikyriakeion Building, 1st floor, Strovolos, 2064, Nicosia, Cyprus. For questions about your personal data, email privacy@uqualify.co.