Last updated
July 2026
PLEASE REVIEW THESE TERMS OF SERVICE, NOTICES AND DISCLAIMERS CAREFULLY. BY ACCESSING AND/OR USING THE PLATFORM PROVIDED WITH RESPECT TO SKEW LABS SA, YOU HAVE READ, UNDERSTOOD, AND ACCEPTED ALL OF THE FOLLOWING TERMS, AS WELL AS ALL OF THE TERMS WHICH ARE INCORPORATED HEREIN BY REFERENCE.
NOTHING HEREIN CONSTITUTES LEGAL, FINANCIAL, BUSINESS, INVESTMENT OR TAX ADVICE AND YOU SHOULD CONSULT YOUR OWN LEGAL, FINANCIAL, BUSINESS, INVESTMENT, TAX OR OTHER PROFESSIONAL ADVISOR(S) BEFORE ENGAGING IN ANY ACTIVITY IN CONNECTION HEREWITH.
The following terms and conditions including all available notices and disclaimers (collectively, the “Terms”) concerns the platform provided by Skew Labs SA (hereinafter the “Platform”) available at the following website: https://skew.net/ (the “Website”), as well as the BEP20 token named “Skew” or “SKW” issued by Skew Labs SA on BNB Chain (the “Token”). By accepting these Terms you will be bounded by the contractual relationship regulated by these Terms and in force between Skew Labs SA (the “Company”) and you (“You” or “Your”).
By accessing and/or using the services related to the Platform (the “Services”), You have read, understood, and accepted all of the following Terms and agree to be legally bound by these Terms, in their most recent version; You further represent and warrant that: (i) You are of legal age to enter into a binding agreement; and (ii) if You represent a corporation, governmental organization or other legal entity, You have the right, power and authority to enter into these Terms on behalf of such corporation, governmental organization or other legal entity and to legally bind it to these Terms.
Your access and/or use of the Platform and its Services is contingent upon Your acceptance of these Terms.
These Terms can be amended at any time. Amendments will be effective 14 (fourteen) days after the modified terms and conditions have been posted on the Website, except for amendments that relate to new features or made for legal reasons, which will become effective immediately. If You do not agree to such modified terms, You should discontinue Your use of the Services.
You can access the Services by registering your account through the Website. The Company bears no responsibility for any breach of security or unauthorized access to your account. You are advised to keep Your account’s password and any related secret information secure and confidential and do not share them with anyone else. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your account. You are solely responsible for all activities conducted through Your Account whether or not You authorize the activity.
The Services allows You to purchase fiat currency with crypto-assets and crypto-assets with fiat currency.
You acknowledge and accept that the custody and the exchange of your funds may be carried out through independent third-party entities; in this regard, the relevant terms and conditions of such providers apply in addition to these Terms. Should You instruct the Company to purchase crypto-assets or fiat currency, the Company will execute the orders using third-party intermediaries (including liquidity providers, exchanges, custodians etc.). Under no circumstances does the Company engage in public deposit activities as provided by articles 5 and 5a of the Ordinance on Banks and Savings Banks (BO) with respect to your crypto-assets and fiat funds. The Company expressly undertakes to execute the operation instructed by You by retaining your funds within a maximum period of sixty (60) days from the date such funds are received. You accept and acknowledge that should the Company is not able to execute any operation instructed by You (e.g., purchase crypto-assets with fiat currency), the Company reserves the right to fully refund the deposited amount without any exceptions. The Company acts exclusively as an intermediary for the purpose of facilitating such custody arrangements, without retaining long-term possession of the deposited funds. With respect to crypto-assets, You will be provided with a non-custodial wallet (“Wallet”) facilitated by a third-party provider. Accordingly, the Company does not in any way act as a custodian of your crypto assets. You retain full control and responsibility over such assets, including the safekeeping and confidentiality of all means of access (such as private keys, seed phrases, passcodes, and other authentication factors). The loss, theft, compromise, or unauthorized disclosure of these access credentials may result in the permanent loss of your crypto-assets, for which the Company assumes no responsibility or liability.
If You choose to deposit your fiat funds, the Company will rely on third-party custodians and exchanges to process such transaction. Your fiat funds will be automatically converted into crypto-assets pegged to the value of one or more fiat currencies such as EURC and USDC issued by Circle, and vCHF issued by vnx.io. (hereinafter “Stablecoins”). Once converted, the Stablecoins will be transferred directly to your Wallet, and your balance on the Platform will be updated accordingly.
Conversion rates are derived from one or more third-party intermediaries at the time of execution and may include spreads and mark-ups. Market conditions may result in slippage between indicative and executed rates. You authorize the Company to debit to You all kind of applicable fees, commissions, network/gas fees, payment processing charges. You acknowledge that crypto-assets are subject to significant price volatility. You accept and understand that to execute a purchase of crypto-asset with fiat currency and vice versa, the Company may require You to maintain an additional operational buffer to cover adverse price moves. If adequate funds are not available the Company may (i) decline, (ii) partially fill, or (iii) cancel the conversion operation, or place a temporary hold until sufficient funds are provided.
If You choose to purchase fiat currency using crypto-assets, the Company will automatically convert your crypto-assets into fiat currency through one or more third-party providers (e.g., liquidity providers). Once the conversion is executed, the corresponding Stablecoins will be credited to your account balance on the Platform.
If You choose to withdraw your fiat funds, upon your instruction and after the necessary compliance checks, the Company will instruct the third-party custodian to remit fiat funds to the bank account You have previously designated and communicated to the Company. Payouts may be limited to same-name accounts. Processing times may depend on banking rails, cut-off times, correspondent banks and jurisdictional requirements.
You are solely responsible for the accuracy and continued validity of your Wallet addresses and bank account details, as well as promptly providing information reasonably requested for compliance or operational purposes.
In the event of certain circumstances - including but not limited to the insolvency, service disruption, or asset freeze of such third-party providers such as custodians, liquidity providers, exchanges etc. - the Company reserves the right to either decline Your onboarding process and to fully refund the deposited amount. In this regard, You acknowledge and bear all the risks associated with the fluctuation of the value of the deposited amount in fiat currency or in crypto-assets. Access to the Services is therefore conditional on the regular operation, availability of the currency chosen for the deposit and of the selected third-party infrastructure, and You accept the risks associated with such dependencies.
The Token is a digital representation of a value or of a right that can be transferred and stored electronically using distributed ledger technology or similar technology. The Token is classified as a native digital cryptographically secured utility token which is intended to provide access to Platform’s Services.
You are aware that crypto-assets can be highly risky, and their regulatory treatment is unsettled in many jurisdictions. There may be no regulatory recourse for any loss from transactions in relation to the Token. Any value ascribed to the Token may change quickly and may be lost in its entirety. Further, the technologies comprising the Services, including the Token, are experimental in nature and could cause the actual outcomes to differ materially from what is expressed or implied herein. You are cautioned not to put undue reliance on Services future-looking estimates and statements. The content of these Terms and any related document speaks only as of the date thereof. There is no guarantee that the Platform and its Services will operate as planned. Holding, buying, or selling Tokens may not be permitted where You live, and it is Your responsibility to comply with all applicable laws.
You expressly acknowledge that the Token:
In order to access the Services, you must purchase the Token in advance, which enables you to access the Services, including but not limited to the Platform’s functionalities and discounted rates associated with the selected membership plan. The selected membership plan is subject to a mandatory Token lock-up period of six (6) months, commencing on the date of purchase of the membership, and to the specific terms and conditions applicable to each membership tier as set forth on the Website. You may purchase Tokens in one of the following ways: (i) by using Tokens already purchased; and (ii) by purchasing Tokens directly on the Platform according to the means accepted by the Platform and following the instructions provided on the Platform. In the event that You purchase SKW Tokens using a debit or credit card and the Company subsequently receives a chargeback request from the relevant card issuer or payment network, the Company reserves the right to (i) recover and/or freeze the equivalent amount of SKW Tokens from your Wallet, and (ii) suspend or block your account until full repayment of the amount subject to the chargeback has been received by the Company. You acknowledge that failure to repay such amount may result in permanent termination of your account and referral to debt collection procedures.
It is expressly understood and accepted by you that failure to comply with the six (6)-month Token lock-up period will result in your ineligibility to access the Services. Upon expiration of the six (6)-month period, you may choose either to redeem the Token or to continue enjoying the benefits of your current membership plan, subject to the then-applicable terms and conditions. At any time during the lock-up period, You may upgrade to a higher membership tier, which will reset the six (6)-month lock-up period. Upon expiration of the six (6)-month period, You may also choose to downgrade to a lower membership tier if You wish to continue using the Platform with reduced benefits.
The Platform enables You to purchase digital gift cards issued by a third party gift card issuer, a (“Gift Card Issuer”, and such gift cards, “Gift Cards”). Gift Cards are not issued by the Company. They constitute a credit redeemable exclusively towards the Gift Card Issuer, based on the relevant Gift Cards’ catalogue. The latter covers brands such Amazon, Netflix, Apple, Google Play, Spotify, Steam, PlayStation, Xbox, Zalando, H&M, Booking.com, Airbnb, and many others. The Company acts as distributor acting in its own name; the redemption of Gift Cards is governed exclusively by Gift Card Issuer’s own terms and conditions and, where applicable, by the terms of the relevant brand. The Company does not issue or guarantee the Gift Cards. It facilitates their acquisition on Your behalf. Any claim, complaint or refund request relating to a Gift Card, or to goods or services purchased with it, must be addressed exclusively to the relevant issuer under its own terms. Accordingly, save where mandatory applicable law provides otherwise, the Company is unable to refund Gift Cards once the code has been delivered.
The price payable to the Company for a Gift Card Issuer is displayed on the Platform in Swiss francs (CHF) at all times prior submissions, together with an indicative equivalent in other accepted fiat currencies such as Euro (EUR) or United Stated Dollar (USD), at all times prior to order submission. The price displayed on the Platform is all-inclusive: no non-optional fees, charges or surcharges of any kind are added at checkout. The total price payable in fiat currency is displayed before You submit the order.
Gift Cards are offered at a discount rate specified and displayed on the Platform on their face value (i.e., You pay 100% minus the amount of the discount offered and displayed on the Platform of the credit amount redeemable to the Gift Card Issuer), regardless of the payment method used. The discount applies equally to payments in fiat currencies accepted and in supported crypto-assets, including the SKW Token. The price payable, with the discount already applied, is displayed in CHF, together with an indicative equivalent in other accepted fiat currencies such as Euro (EUR) or United Stated Dollar (USD), at checkout before You submit the order.
Where You pay in crypto-assets (including SKW Token, BTC, ETH and other supported cryptocurrencies), the Company first converts the crypto-asset amount into fiat currency at the standard exchange rate provided at the time of checkout. The applicable exchange rate, the resulting amount in fiat currency and the corresponding crypto-asset amount are displayed on the order summary page before You submit the order, and the rate so displayed is binding for that order. No conversion fee or spread is charged beyond the displayed price.
Delivery of the Gift Cards code by the Company completes the Company's performance. Redemption, validity periods, refund rights and any restrictions applicable to the Gift Cards obtained through it are governed by Gift Card Issuer terms.
Without limiting any further exclusions of liabilities under these Terms, the Company shall not, under any circumstances and to the fullest extent permitted by applicable law, be liable for any loss, theft, damage, unauthorized use or expiry (where applicable) of any Gift Card purchased or obtained through the Services. Title to, and risk of loss for, a Gift Card pass to the purchaser upon the electronic delivery of the Gift Card to the purchaser or the designated recipient. Accordingly, any claim, complaint or request for refund relating to the Gift Cards (including the goods or services purchased with them) must be addressed exclusively to the relevant issuer.
It is understood that the Company could offer in the future additional services based on the development of this Company’s project, including the provision of debit cards and lending services.
By using the Services, You may be eligible to receive promotional bonuses in USD-equivalent value (“Lending Bonus”) by participating in the following promotions published on the Website: (i) Welcome Bonus: a one-time per membership level bonus awarded to new Users upon purchase of the membership and account activation on the Platform, at the conditions set out on the Website; and (ii) Referral Bonus: a bonus awarded when an existing User refers a new User who successfully completes KYC verification and purchase of a membership on the Platform, at the conditions set out on the Website. Lending Bonuses must first be used for at least one lending transaction before they can be converted into real value. Any Lending Bonus not used within thirty (30) days from the date of crediting will expire automatically and without any compensation.
To be eligible for the Promotion Program, You must have registered your account on the Website and did not breach these Terms as well as be not subject to restrictions, suspensions. If the Company has reasonable grounds to believe that You have engaged in any fraud or material abuse of the Services, the Promotion Program or any other aspect contained herein, the Company is fully entitled to apply the measures provided within Section 11 of these Terms. The Company reserves the unconditional right to change, suspend or end the Promotion Program earlier than the end of the validity period of such Promotion Program or in the event the Promotion Program is being abused or may negatively affect Company’s goodwill or reputation, or due to unforeseen circumstances which may make it impossible for the Company to continue running the Promotion Program. If the Company will change, suspend or end the Promotion Program before the end of the validity period of the Promotion Program, the Company will give You notice through the means of communications provided by You.
Use of the Services and of the Token should only be considered by those who thoroughly understand the goals and risks of them. The Services and the Token are designed for informed users and those who can assess both the anticipated benefits and associated risks. The Services and the Token are provided on an “as is” basis, without any warranties, and the Company disclaims any liability arising from the use of the Token, the Platform and its Services.
The Token’s value may change market trends, regulatory matters and global economic factors. You should only hold the Token with the understanding that it may lose any value attributed to it.
The tax rules applicable to the Token are uncertain and may vary by jurisdiction. You are advised to consult independent tax advisors regarding any potential tax liabilities related to the Token acquisition, use, or sale. Transactions involving the Token may lead to tax obligations, including withholding taxes, income taxes, or tax reporting requirements. The use of the Token may be subject to income, capital gains, or sales taxes, depending on jurisdictional regulations.
The regulatory landscape governing the Services and the Token is also evolving, and it is uncertain. Regulatory changes, enforcement actions, or new interpretations may negatively impact the Token and its value. As global attitudes toward crypto-assets evolve, policymakers may broaden regulatory oversight. Should the Token become subject to licensing or registration requirements, their utility in specific regions could diminish.
You acknowledge and agree that the Platform and its Services are the property of the Company or its licensors. Subject to Your compliance with these Terms, it is granted to You a limited right to access and/or use the Services. The right to access and/or use the Services through the Platform is tied to the Token and is a non-exclusive, non-transferable, revocable, limited license, and it is subject to the limitations and obligations contained herein. Nothing in these Terms gives You any license (other than as set out in this section), right, title, or ownership of, in, or to any of the Services.
All rights, titles, and interests in and to all copyrights, trademarks, trade secrets, patents, and other proprietary rights related to the Platform and its Services are exclusively reserved and protected under applicable intellectual property laws.
By purchasing the Token and accessing the Platform and its Services, You acknowledge and agree to the representations and warranties stated herein, namely:
To the maximum extent permitted by the applicable law, in no event will officers, shareholders, employees, agents, directors, subsidiaries, affiliates, successors, assigns, suppliers, or licensors of the Company will be liable for any loss or damages, including without limitation, direct, indirect, special, consequential, or punitive loss or damages, arising from or related to Your use of the Platform and its Services, whether in an action of contract, tort or otherwise, and regardless of whether such damages were foreseeable and whether or not advised of the possibility of such damages.
Without limiting the generality of the foregoing, the Company will not be liable for any financial or other loss or damages arising from or related to the use of the Platform and its Services, including, without limitation, to any of the following: (i) loss of or inability to access; (ii) technical failure, malfunction or shutdown; (iii) server failure, hacks or unavailability; (iv) data loss; (v) stolen, lost, or unauthorized use of Your means of authorization including private keys; (vi) errors calculating network fees; (vii) corrupted data on servers; (viii) incorrectly constructed transactions or mistyped wallet addresses; (ix) failure to update or provide correct information; (x) phishing or other websites masquerading as the Website; (xi) delays, interruptions or losses; (xii) loss of business or goodwill; (xiii) reasons related to anti-money laundering regulations or any other applicable legal provision, including, without limitation, the freezing of the transaction and/or the freezing of funds or crypto-assets.
The Company shall not be liable for any loss or damage whether directly or indirectly suffered where the Company is unable to continue running the Promotion Program as planned in accordance with Section 6 above.
The Company disclaims all warranties, whether express or implied, and shall have no liability, whether in contract, tort (including negligence) or otherwise, for any loss or damage of whatever nature arising out of or in connection with the use, inability to use, malfunction or fraudulent use of any Gift Card or third-party services, including, without limitation, any direct, indirect, incidental, special, consequential or punitive damages, or any loss of profit, data or business opportunity.
The Services are supported and integrated with third-party services. In no event the Company takes responsibility for any third-party services and will not be liable for any loss, damages, technical failure, malfunction, unavailability referred to such third-party services. For further information on third-party services, You should read the relevant third-party terms and conditions.
You accept and understand that violations of these Terms including but not limited to those in accordance with this section may result in the termination or suspension of Your account on the Platform and/or restricting Your ability to access such Platform.
In addition, the Services may not be available to persons resident or domiciled in certain jurisdictions in accordance with the Company’s internal Anti-Money Laundering policy.
You acknowledge and accept that the use of the Services will be provided to you solely and exclusively (i) in accordance with these Terms; (ii) at our mere discretion and only if you have successfully completed any onboarding, due-diligence, Know Your Customer (“KYC”) or other compliance obligations we may impose on you; (iii) we have obtained any other information about you that we consider necessary. Consequently, we may at any time and under our full discretion refuse to provide you with the Services unless expressly required by the applicable law.
By accessing and/or using the Platform and its Services, You acknowledge and agree that You shall not use, or assist third parties to use, the Platform and its Services in any way which may constitute a contravention of applicable laws or which may contradict the purposes or hinder the operations of the Platform and its Services or hinder the operations of other users of the Platform and its Services.
Without limitation to the foregoing, You acknowledge and agree that You shall not use, or assist third parties to use the Platform and its Services for illegal or fraudulent purposes or other unlawful purposes or violating these Terms, any applicable law and any court or competent authority rulings or orders. This includes but is not limited to the following actions: (i) attempting to gain unauthorized access to the Platform and its Services, as well as its underlying systems; (ii) introducing malicious software, viruses, or other harmful components that could disrupt the Services and/or Platform’s functionalities or compromise its security; (iii) decompiling, reverse engineering, or attempting to derive the source code of the Platform or any of its components; (iv) impersonating another user, misrepresenting Your identity, or engaging in any deceptive practices on the Platform; (v) exploiting Platform and/or Website features, tools, or services in a manner that could overload, harm, or impair its operation or performance.
Your use of the Services may be subject to certain fees which will be debited to you. The fees will be set out on the Website and applicable taxes are not included therefore such fees will be increased to account for any applicable taxes.
To the fullest extent permitted under applicable laws, You agree to hold harmless and indemnify the officers, shareholders, employees, agents, directors, subsidiaries, affiliates, successors, assigns, suppliers, or licensors of the Company from and against all third party claims and all liabilities, damages, assessments, losses, costs, or expenses (including reasonable attorney fees) resulting from or arising out of Your alleged or actual breach of these Terms.
These Terms constitute all the terms and conditions agreed and supersede any prior agreements in relation to the subject matter of these Terms, whether written or oral.
Unless as otherwise stated in these Terms, should any provision of these Terms be held totally or partially invalid or unenforceable, such invalidity or unenforceability shall not in any manner affect or render invalid or unenforceable the remaining provisions of these Terms, and the application of that provision shall be enforced to the extent permitted by applicable laws.
The failure to exercise or enforce any of the rights or provisions of these Terms shall not considered as a waiver of responsibility with respect to these Terms.
These Terms may be assigned and/or be delegated in any of its obligations hereunder, in whole or in part.
These Terms are subject to and governed by Swiss law. All disputes arising from or under these Terms shall be subject to the exclusive jurisdiction of the competent courts of Lugano, Switzerland.
Follow and subscribe to our channels.
Proudly Swiss. From Lugano, Switzerland.
© 2026 Skew, All Rights Reserved.
Skew is powered by Skew Labs SA, a Swiss company operating the Skew brand globally whose registered office is Via Ferruccio Pelli 13, Lugano 6900, Switzerland. Skew Labs SA is affiliated to SO-FIT as a financial intermediary (license number 1504) within the meaning of article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organization recognized by the Swiss Federal Financial Markets Supervisory Authority (FINMA). Availability of the Skew services depends on your location, which may affect your rights and protections; therefore, please read the Privacy Policy and Terms of Services that apply to you carefully. Tax may be payable on profits. You access Skew services on your own initiative and without solicitation.
