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Please read carefully these General Terms and Conditions of Digital Assets d.o.o. (hereinafter: Terms) whenever you access our website, use the Bitcoin Store services and before opening a Bitcoin Store account. By accepting the Terms, you confirm that you have read, understood and agreed to them and that you agree to the rules, conditions and obligations set out therein. If you do not agree with any of the Terms, please do not access our platform or use our services.


The bearer of these Terms and the provider of the Bitcoin Store service is:
Digital Assets d.o.o.
Hrvatske mornarice 1/C, 21000 Split, Croatia
Registered at the Commercial Court in Split
Company’s registration number: 060297216   VAT: 37096783668

Digital Assets d.o.o. holds the approval to perform the activities of providing virtual and fiduciary currency exchange services and providing custodian wallet services by the Croatian Financial Services Supervisory Agency (HANFA).

Bitcoin Store is a brand name of the company Digital Assets d.o.o.

These Terms represent a valid and legally binding Contract between Digital Assets d.o.o. (hereinafter: we, our(s), Company) as a provider of Bitcoin Store services, on one side, and you as a Customer and/or visitor of our website, on the other side.

The Terms define the Bitcoin Store services including, but not limited to, the use of websites, mobile applications, accounts and payment services in the business network of the Company and contractual partners.

The Privacy Policy and the Cookie Policy (hereinafter: related Policies) form an integral part of these Terms. By using our services, you accept the Terms and the related Policies.


Bitcoin Store platform (hereinafter: Platform) is a collective term for the following websites:, and the Bitcoin Store Wallet mobile app.

Bitcoin Store branches (hereinafter: Branches) is a collective term for physical cryptocurrency exchange offices owned by the Company and a partner exchange office.

Bitcoin Store services (hereinafter: Services) are services provided by the Company via the Platform or the Branches.

Bitcoin Store Wallet (hereinafter: Account) is a service within the Bitcoin Store Platform that enables the purchase, sale, exchange and storage of cryptocurrencies, as well as the deposit and payment of fiat currencies (EUR) to/from the Bitcoin Store Account, and enables monitoring of the Customer’s investment status in real time. Bitcoin Store Wallet is also the name of a mobile application owned by the Company that provides cryptocurrency trading services.

Fiat currency is a currency issued and designated by the central bank or a public authority as the sole legal tender. In the document, EUR refers to the euro, the official currency of the Republic of Croatia, and of a number of EU Member States.

Customer (hereinafter also: you, yours, he/she) – a natural or legal person using the Services or visiting the Company’s website.
Registered Customer is a natural or legal person who can only perform the Services of receiving and sending cryptocurrencies to/from the Account.
Verified Customer is a natural or legal person who has passed the obligatory verification process, i.e., identification (the so-called “Know Your Customer” process), and may use all Services.

Cryptocurrencies are virtual assets based on cryptography and blockchain technology. They are issued in digital form and can be used for trade, investing in companies and their products, as a method of payment or a form of savings.

Referrer is a natural or legal person who has an activated Bitcoin Store account, who by referral link, invites another natural or legal person to become a Referrer and use Bitcoin Store services and thus accomplish Bitcoin Store Referral program reward.

Referral is a natural or legal person who receives a Referral link from the Referrer and creates an account using this link.

Referral program reward is a money amount which Referrer earns after each successful transaction of the Referral.

Referral link is a unique link related to the Referrer's account which is used to invite Referrals to create an account on the Bitcoin Store platform in order for the Referrer to receive rewards from the Referral Program.

Referral Program is a tool that enables Referrers to recommend Bitcoin Store services to their closest relatives, such as family, friends, and others by a unique Referral link.

A transaction is considered to be any receipt, expenditure, transfer from account to account, exchange, storage, disposal and other handling of fiat currency and cryptocurrency within the Platform.


The contract between the Company and the Customer is concluded for an indefinite period of time.

The contract ceases to be valid with the termination of one of the contracting parties.

The Company has the right to terminate the contract with the Customer at any time by sending a written notice to the Customer’s e-mail address, if:

  • The Customer has violated the provisions of these Terms, relevant laws and regulations
  • The Customer hid material facts
  • The Customer used the Account in an illegal manner or for illegal purposes
  • there is evidence to doubt that the Customer committed a misdemeanor, a criminal offense or that he/she violated the provisions of a relevant law
  • there is persistent security problem or other legal reason
  • there are other circumstances that represent a potential risk for the Company’s operations

The Customer has the right to terminate the contract with the Company at any time:

  • by sending a request to the e-mail address:
  • by submitting a request to one of our Branches
  • by sending a request via the postal system to the Company’s address or
  • by deleting the Account within your Customer Profile (under the option Personal Data/Delete Account)

Note: by deactivating the Account, it will not be possible to reactivate it.


By accepting these Terms, the Customer confirms that he is aware that trading cryptocurrencies is subject to great risk because their value can drastically increase or decrease at any time.

The Company declines all responsibility due to the consequences of a decision made or a missed opportunity.

The Customer confirms that he is aware of all potential risks which may cause him/her to lose his/her property, such as loss of password or other security codes.

The Company will never ask the Customer to provide any password, nor will it require the transfer of any funds to any account!  

The Company does not bear any responsibility towards the Customer in cases of loss of funds if it is a loss:

  • caused by misrepresentation or falling for fraud by a third party or by the execution of a transaction without the consent of the Customer
  • caused by the Customer’s intentional or accidental error during the execution of a transaction
  • arising from cryptocurrency trading, i.e., as a result of unfavorable price differences that may lead to partial or complete loss of funds
  • caused by unauthorized use of the Account

Keep saved passwords private and change them regularly!

A cryptocurrency may become worthless or illiquid and as such the Company may remove it from the offer.


Services provided by the Company through the Platform:

For Registered Customers:

  • deposit of cryptocurrency to the Account
  • transfer of cryptocurrency from the Account

For Verified Customers:

  • deposit of fiat currency to the Account (EUR) by a bank transfer and payment cards
  • purchase of cryptocurrency with a fiat currency (EUR)
  • sale of cryptocurrency for a fiat currency (EUR)
  • deposit of cryptocurrency to the Account
  • transfer of cryptocurrency from/to other digital wallets
  • storage of cryptocurrencies on the Account
  • storage of fiat currency on the Account
  • monitoring investments in real time
  • POS (Point-Of-Sale) system for legal persons (payment options: BTC and ETH; reimbursement in EUR)

Services provided by the Company through the Branches:

For Customers without an Account:

  • cash purchase of cryptocurrency (EUR)
  • cash sale of cryptocurrency (EUR)
  • non-cash transactions: bank transfers for purchase/sale of cryptocurrency
  • hardware wallet offer
  • possibility of consultation

For Verified Customers:

  • all services that the Company provides through the Branches
  • fiat currency cash deposit (EUR) for the Account top-up payment



The Company offers the service of opening an Account for natural and legal persons.

When registering and verifying the Account within the Platform, the Customer agrees to these Terms and related Policies and confirms that:

  • is at least 18 years old
  • has full legal capacity and
  • can independently carry out transactions involving the purchase, sale and transfer of cryptocurrencies and fiat currencies

The Company opens an Account only for Customers who are residents and citizens of the EU and the SEPA area. Supported countries are: Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Croatia, Ireland, Iceland, Italy, Lithuania, Latvia, Liechtenstein, Luxembourg, Hungary, Malta, Monaco, Netherlands, Norway, Germany, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, the Vatican and the United Kingdom.

The Customer may open only one Account, which must be in his name, i.e., in the name of the legal entity.

The Customer is solely responsible for submitting his/her personal data and documents. The Company is not responsible in case of any action that led to the unauthorized use of the Customer’s identity.

The Company reserves the right to refuse to open an Account if the Customer does not meet the requirements for opening an Account, if during registration and/or verification there is a doubt as to the authenticity of Customer’s personal data or if there are indications of misuse of Services.


When registering the Account, the Customer:

  • chooses the option of opening an Account as a natural or legal person
  • choses the country of residence
  • enters personal data: name and surname, e-mail address, password that will be used when accessing the Account
  • confirms that he/she is 18 years of age or older and accepts these Terms
  • chooses whether he/she wants to be informed about marketing activities and crypto news and
  • confirms that he/she wants to open an Account

When registering the business Account, the Customer enters an additional entity information:

  • company name
  • company address
  • city
  • VAT ID and
  • confirmation if the person is an authorised person to represent the company.

The activation link for opening the Account is sent to the Customer’s e-mail address and by clicking on the link the Customer confirms the opening of the Account.

Upon successful Account registration, the Customer will receive an e-mail stating that the Account is open and that he/she can verify the Account in order to be able to use all Services.


When verifying a personal Account, the Customer:

  • enters additional personal data: mobile phone number, address, postal code, city
  • confirms these Terms and begins the verification process

To successfully verify a personal Account, the Customer must go through an authentication process (KYC) consisting of:

  • confirmation of the Customer’s mobile phone number via SMS
  • transfer of personal identification documents for a natural person
  • taking a selfie of the Customer (it is necessary to have a mobile device/personal computer that allows access to the camera)

More information on the verification process can be found in our AML & KYC Policy.

More information on the collection, processing and storage of personal data can be found in the related Policies.


The Customer is obliged to ensure that his/her personal data is updated and correct at all times. The Customer is obliged to notify the Company of any personal data/identification document change.

The Customer is responsible for the maintenance and the confidentiality of data related to the Account. He/she is responsible for passwords and restricting access to his/her mobile device and/or personal computer and accepts responsibility for all activities within the Account.

The Company recommends that Customers activate a two-factor authentication (2FA) in order to prevent any theft of data and funds and their unauthorized use.

The Customer undertakes not to share his/her e-mail and password with third parties or allow them to use their Account.

The Customer can manage fiat currency and trade cryptocurrencies while his/her Account has an active status.

Fiat currency on the Account is not subject to the Act on deposit guarantee schemes in the Republic of Croatia as well as other acts and regulations of EU/SEPA area members which regulate deposit insurance.

The Customer is not entitled to interest for holding fiat currency on the Account.

The Customer agrees that his/her access to the Account may be revoked at any time if its activity is contrary to the Company’s operations.

The Company has the right to request additional information and documents from the Customer in accordance with applicable laws, regulations and internal policies. In the event that the Customer refuses to provide the requested information and documents, the Company has the right to deactivate and/or delete the Account.


Fiat currency stored on the Account belongs exclusively to the person who opened the Account (the Customer).

Fiat currency can be stored in EUR only.

There is no minimum amount for fiat currency deposit.

Possible ways to deposit fiat currency to the Account:

  • a cash deposit on the Account in the Branch office – fiat currency is immediately visible on the Account
  • non-cash transaction via:
    • Bank transfer – fiat currency will be visible on the Account when your Bank addresses a payment order to the Company. The Customer will receive payment instructions containing the Company’s bank details and a reference number for the fiat currency deposit. The Customer can make the payment via internet/mobile banking, or person can go physically to the bank, post office or other payment institutions. Note: In the case of a bank transfer deposit, it is mandatory to enter the “Reference number” in the Payment Description field.
    • Payment cards – fiat currency will be visible on the Account when the payment card issuer’s bank executes the payment order towards the Company. When purchasing cryptocurrency, the Customer must enter the following information from the payment card: name of the payment card holder, payment card number, expiration date and the CVC number. If the payment card is not issued in the Customer’s name, the transaction will not be executed. The Customer is solely responsible for the use of the card issued in his name and the Company has no responsibility to inform the Customer if the Customer’s attorney uses his/her payment card without authorization.

Possible method of payment of fiat currency from the Account:

  • by a non-cash transaction via bank transfer to a personal bank account opened within the SEPA area.

The Company has no influence on deadlines and methods in the third party’s process of executing orders. The normal time to transfer funds is 1-3 business days.

The Company is in no case responsible for the non-execution of the order or for the delay in the execution of an incorrectly given payment order or in the event that the given order is not approved by a third party.

A non-cash transaction is authorized if it is made from the Customer’s personal bank account or the Customer’s personal payment card.

The Company is not responsible for the unauthorized use of these accounts or cards. The Company is unable to suspend any transaction that is the subject of unauthorized use.

The Company may request a confirmation of payment from the Customer in order to determine all the details related to the course of the transaction.

The Company reserves the right to refuse a transaction if it does not comply with these Terms, for legal or other reasons ordered by the competent authorities. Rejection of a transaction implies that the transaction was never received.

The Company reserves the right to suspend the service to the Customer if there is any suspicion that the funds were obtained illegally.


The minimum amount for buying and selling cryptocurrencies is 15 EUR.


The purchase of cryptocurrency with a fiat currency can be made with:

  • a cash transaction in a Branch
  • a cashless transaction in a Branch
  • a fiat currency available on the Account


The sale of cryptocurrency for fiat currency can be done:

  • for cash in a Branch
  • with a cashless transaction in a Branch
  • with a cashless transaction on the Account


The minimum amount to transfer cryptocurrencies depends on the type of cryptocurrency and the blockchain network used.

The Customer is aware that cryptocurrency transfers are non-refundable.

The Company is unable to cancel or revoke the cryptocurrency transfer if it is sent to an incorrect deposit address.

Note: For transfers of cryptocurrencies to personal wallets it is necessary to pay a payment fee that will be presented in the process.

The speed of cryptocurrency transfer depends on the blockchain networks through which cryptocurrencies are transferred, it depends on the saturation of these networks and the type of wallets from which they are sent. The Company is not responsible for any delay in the deposit/payment of cryptocurrencies.

After a successful purchase/sale/transfer, a confirmation of purchase/sale/transfer will be sent to the e-mail address in PDF format. The Customer is obliged to have the correct e-mail address at all times and undertakes to inform the Company if there has been a change.


The Company does not charge any fees for opening or closing an Account.

The Company does not charge a commission when purchasing/selling cryptocurrencies, but shows a purchase/sale rate which includes all transaction costs.

The Company does not charge fees for cash and bank non-cash transactions of fiat currency.

For Customers who use a payment card for a fiat currency deposit on the Account, the amount of the transaction will be executed in EUR. The conversion rate will be made by your card’s issuing bank. The Company is not responsible for any additional conversion costs. The cost of a fiat currency deposit is 2.5%, which is paid by the Customer.

Cryptocurrencies are purchased/sold exclusively at their purchase/sale rate. The Company will state the exact amount the Customer must pay when placing an order to purchase/sell cryptocurrencies.

The current price of cryptocurrencies on our Platform is stated at the mid-rate.

During the cryptocurrency purchase/sale process, the current purchase/sale rate will be stated.

The Bitcoin Store exchange rate may differ by 0.5% - 5% compared to the world stock exchange rates. In the case of sale of cryptocurrencies, the Customer is paid the amount expressed in EUR only.

The exchange rate for non-cash transactions is more favorable than the exchange rate for cash transactions. The exchange rate for cash transactions is visible in the Branches and changes in real time. You can also get an exchange rate for non-cash transactions in the Branches if you tell our employees that you want to make a bank deposit/withdrawal.

By accepting these Terms, the Customer confirms that he/she understands the exchange rate and that he/she is aware of the information that the exchange rate is updated every second and that it can change when placing an order, depending on global trends.

The Company is not responsible for the exchange rate change or for the transfer of cryptocurrency at the time of the change.

Power of attorney

The Customer may authorize another person to dispose of funds on the Account.

The power of attorney must be certified by the competent authority and must not be older than three months.

The Customer is solely responsible for all actions of his/her attorney. The Company has no obligation to inform the Customer about the actions of his/her attorney.

The Company shall not bear the consequences if the Customer’s attorney does not act in accordance with the provisions of these Terms.

The power of attorney ceases to be valid when the Company receives the statement or confirmation of revocation of the Customer’s attorney, at the moment of closing the Customer’s Account, submitting the statement or death certificate of the Customer/Customer’s attorney.


The Company has the right to temporarily disable the disposal of funds on the Account at the request of the Account holder, in case of death of the Customer and based on a court decision and other decisions and orders of competent authorities in accordance with the law.

The Company has the right to refuse the transaction, restrict access or close the Account, without prior notice and without any liability, in the following cases:

  • if there is any doubt regarding the veracity of previously obtained data or documents and other documentation
  • if there are grounds for suspicion of money laundering or terrorist financing
  • if the Customer did not submit requested additional information or documentation
  • if the Customer did not notify the Company of significant changes in the data that the Company must dispose of in accordance with legal regulations
  • if the Customer in any way damages the reputation of the Company
  • if the Customer does not comply with these Terms and related Policies and all other Terms and Policies of the Company

The Customer has the right to submit a request to close the Account at any time. If the request is sent in writing, it must be signed by the Customer.

In case of closing the Account, the Customer must first transfer his/her fiat currencies to another account and transfer the cryptocurrencies to another digital wallet.

If the Customer has only used a payment card or cash as a means to top-up the account, the he/she will have to submit the IBAN of a bank account in order to be paid fiat currencies.

The Customer’s attorney or heir may not close the Account without a special power of attorney authorizing the Account closure.

When deleting the account, personal data collected during the verification process is not deleted. For more details, please read our Privacy Policy.



After sharing a Referral link to receive a reward from the Referral Program, it is considered that the Referrer agrees to these Terms. If he does not agree with the Terms or any part of them, he should not use or take advantage of the above benefits.

The Referral must be a person who is at least 18 years old and is a resident of the state in which the Company provides its services.

A user who is already registered and has activated the Account before receiving a Referral link, cannot become a Referral.


The Referral Program functions in a way that the Referrer sends a Referral link to the person who is interested in becoming a Bitcoin Store Customer.

After the person creates an account using the Referral link and executes a transaction, the Referrer receives 20% of the Company's earnings for that transaction and all future Referral transactions.

Referral program rewards Referrer can earn referral rewards during the period of two years since the Referral first created a Bitcoin Store account and the number of the Referrals is unlimited.

The Referral program rewards can be realized on all Referral cash transactions made at the physical Branches as well as on online transactions made via the Platform or mobile application.

Earnings from the Referral Program are added to the Referrer's Account within 24 hours after the successful transaction of the Referral.

If a person receives more than one Referral link, the link that the person last clicked and created an account within the same session is counted towards Referrer.

Referral link for realizing Referral program reward should be used as a personal invitation and shouldn't be used for commercial purposes.

The Referrer can see the realized earnings from referrals on their Bitcoin Store Referral page.


The Referrer's personal data is used only to establish a relation between the Referrer who sends the Referral link and the Customer who created an account using the Referral link, as well as to fulfil the Company's obligations to the Referrer and Referee by these Terms. More information about personal data management can be found in the Privacy Policy.


he Company may refuse participation for the Referrer or Referrals in the Program when it suspects any fraud, manipulation, abuse of the rules of the Referral Program, and technical issues and in that case, won't be responsible to the Referrer or any other person for such conduct.

By accepting these Terms, the Referrer obligates not:

  • to perform offensive activities that violate the General terms and conditions of the Company or that are fraudulent
  • to use the Referral link or the name of the Bitcoin Store in a negative or offensive context.

In cases of violation of any Terms, the Company reserves the right to:

  • deactivate the Referrer account
  • refuse to create an account for the Referral
  • deactivate the Referral link and mark all referrals from such activities as those that won't fulfill the conditions for Referral program rewards
  • retain or cancel overdue or already paid rewards
  • review and investigate all activities from the Referral Program when consider it's necessary


The Company reserves the right to cancel, terminate or change these Terms at any time and without prior notice and that applies for:

  • Change of criteria of the Referral Program
  • Change of Referral Reward Prizes
  • Changes of Referral Program requirements
  • Change of Terms due to risk of fraud, market conditions, or any other reason


The Customer uses the Platform under own responsibility.

The Customer is responsible for the maintenance and the confidentiality of data related to his own Account, for passwords and restrictions of access for a personal mobile device or personal computer and he/she accepts responsibility for all activities within his/her Account.

The Customer is obliged to take steps to ensure protection and to prevent the loss, theft, misuse and unauthorized use of his/her Account.

The Customer is obliged to inform the Company without delay about the loss, theft, misuse, unauthorized use of personal data or unauthorized execution of transactions through via Account.

The Customer confirms that he will not use the Platform and the Services for any purposes that are illegal, unethical or contrary to these Terms.

The Customer agrees to compensate the Company and its employees, partners, service providers and other natural and legal persons in order to compensate the damages that resulted from violating these Terms or our Services.

The Customer confirms that he/she will not use the Platform to insert viruses or other tools that could target the computer system and all related activities.

We own the entire content of domains: and and the mobile app Bitcoin Store Wallet. Copying, reselling, issuing and/or modifying any part of the Platform without the consent of the Company is strictly prohibited.

Cryptocurrency tax rules may vary depending on the laws of the Customer’s country of residence. The Customer is responsible for all taxes that may be applicable to transactions he makes or receives. The Customer is responsible for reporting and paying the tax to the relevant tax authority.


The Company does not guarantee that the Platform will operate continuously or without difficulty.

The Company reserves the right to change the functions within the Platform, the right to upgrade the system, improve security on the Platform as well as their termination or the right to prevent access and execution of transactions at any time and without notice.

Services may also be unavailable due to regular system maintenance (the customers will be informed) or in case of extraordinary circumstances that will be removed as soon as possible.  

This responsibility statement applies to any damage or harm caused by errors, interruptions, delays in the operation or transmission of data, computer viruses, Internet crashes or any other act or force majeure.

The Company reserves the right to limit the Services, remove a cryptocurrency from its offer and cancel the transaction due to interruption of the crypto market, difficulties in distributing third party services, hacker attack and other unexpected risks. The Company is not responsible for the damage caused by these events. Customers will be notified of all changes via e-mail.


The collected data is in electronic form and protected by an SSL certificate that encrypts personal data and ensures that communication between the Customer and the Platform takes place via a secure protocol.

The protection of the Customer data is taken very seriously and appropriate technical and organizational precautions and testing measures are taken to protect personal data and to prevent loss, misuse, destruction, disclosure, unauthorized access or alteration of personal data.

Security measures such as the two-factor authentication, passwords when accessing the Customer Account, monitoring the activities of the Customer, etc. seek to ensure maximum security of personal data protection.

The integrated method of protection ensures that the Customer’s personal data is not automatically available to other individuals, but only the data that is necessary for the purpose of processing is processed.

The Customer undertakes not to open, forward and reply to e-mails, attachments and links received by suspicious senders. The Customer is aware that all e-mails of the Platform end in,,, and


Submitting a written complaint is possible via mail to the above mentioned address of the Company’s registered office and via e-mail:

Note: If the request is sent via e-mail, it is mandatory to use the same e-mail address that is registered in the Customer Profile.

Receipt of the complaint will be confirmed and will be answered no later than 30 days from the date of receipt of the complaint.

Response time may be extended for complex or multiple requests; however, the Customer will be notified of the extension.


These Terms are regulated and interpreted in accordance with the Republic of Croatia legislation. In the event of a dispute, the parties will resolve the dispute at the Commercial Court of Split.

The European Commission, through the Online Dispute Resolution Platform, provides access to efficient online dispute resolution and thus provides a safer and fairer online service. You can access the platform via a link:


The Company reserves the right to change any part of the Platform, as well as to change these Terms and its constituent parts, and will not be liable for any consequences arising from such changes.

In the event of changes to these Terms and related policies, the Company will notify Service Customers electronically. The notification will be sent to the e-mail address of the Customer that is registered on the Account, at the latest at the same time as the announcement of these changes.

The Terms and all amendments to the Terms are considered accepted by the Customer if the Customer does not submit a written complaint within 15 days from the date of publication or receipt of the notice.

It is your responsibility to refer to the Terms and related Policies whenever you access our Platform.

Terms and related Policies, and amendments thereto, shall enter into force upon publication on the Platform.

These amended Terms enter into force on 1st January 2023. and replace the Terms applied before the mentioned date.

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