Terms & Conditions

Last updated 4th September 2026

Introduction

By registering an account with Steven AB, you agree and comply by the following Terms of Use as amended from time to time. Together with our Privacy Policy, and any other terms and conditions referred to therein, they form the legal relationship between you and us. You are advised to print or download and keep a copy of these Terms for future reference. You can always view the current Terms in the App or on our Website.

Steven provides a service that makes peer-to-peer (“p2p”) group payments possible through a mobile and tablet Application. The Steven application is provided by Steven AB, reg. no. 559026-5673, with registered address at Norrlandsgatan 24, 2nd Floor, 111 46 Stockholm, Sweden.

Steven AB is authorised by Finansinspektionen as an electronic money institution (Sw. institut för elektroniska pengar) under lagen (2011:755) om elektroniska pengar, and is entitled on that basis to issue electronic money and to provide payment services. Steven AB’s institution number with Finansinspektionen is 48004. Steven AB is supervised by Finansinspektionen.

Demands on the Steven Account holder. You must:

  • be at minimum 18 years old;

  • have a Swedish personal identification number (Sw. personnummer);

  • act on behalf of yourself — you are not allowed to register or use Steven on behalf of anyone else;

    notify us if any information regarding you or your Account should change.

Your Steven Account

Your Account is an e-money account which enables you to send and receive electronic payments. Electronic money is an digital alternative to cash. When you give us money we issue an equivalent value of e-money.

E-money accounts are not bank accounts. By accepting these Terms you acknowledge that your Account is not a bank account and is therefore not covered by the Swedish deposit guarantee scheme. We comply with the EU Electronic Money Directive (2009/110/EC) as implemented in Sweden by lagen (2011:755) om elektroniska pengar, which is designed to ensure the safety and liquidity of funds received. We make sure the funds corresponding to your e-money are safeguarded by being held in an account separate from the company’s own funds.

The e-money on your Account is issued in accordance with the European Electronic Money Directive and the relevant national legislation of Sweden. 

Your Account is denominated in a currency of your choice.

You have the right to withdraw funds from your Account at any time. You also have the right at any time to redeem the electronic money held on your Account at par value, in accordance with 4 kap. 3 § lagen (2011:755) om elektroniska pengar. We do not charge a fee for redemption where you ask us to redeem on termination of the agreement, or at any time up to one year after termination.

The e-money on an Account belongs to the person who is registered as the Account holder. You may not assign or transfer your Account to a third party or otherwise grant any third-party legal interest over it.

The e-money held on your Account does not expire but it will not earn any interest.

Creating your Account

In order to use our payment services you must first open an Account by registering your details. As part of the signup process you will need to accept these Terms and our Privacy Policy.

You may only open one Account.

You may only register or use Steven on behalf of yourself.

You may only open an Account if it is legal to do so in your country of residence. By opening an Account you represent and warrant to us that it does not violate any laws or regulations applicable to you. You shall indemnify us against any losses we incur in connection with your breach of this section.

All information you provide during the signup process or any time thereafter must be accurate and truthful.

You may only add payment instruments (such as bank accounts, credit cards or debit cards) to your Account if you are the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.

You must be 18 years or older to use our services.

You must have a Swedish personal identification number.

You are allowed to use your Account for private purposes only. You are thus not allowed to use your Account for commercial purposes. You are using your Account for commercial purposes if you are receiving payments for or in connection with any business activity. We reserve the right to determine whether, in our reasonable opinion, you are using your Account for commercial purposes. If you are in any doubt about whether an activity amounts to a commercial activity, you should contact Customer Service.

You may close your Account at no cost by contacting Customer Service, however, if you have uploaded funds into your Account, you may be required to provide identification documents before being able to withdraw funds. Any applicable transactions and Fees for transactions undertaken before you close your Account will not be refunded.

Using your Account

You must ensure that the information recorded on your Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence.

We may contact you with notifications in the App, by phone or via e-mail with information or notices regarding your Account. It is your responsibility to regularly check the proper functioning of your e-mail account or other methods of communication that you have registered to retrieve and read messages promptly. We shall not be liable for any loss arising out of your failure to do so.

Fund uploads, payments received, payments sent and fund withdrawals are displayed in your transactions history. You should check your Account balance and transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service.

Requests of funds from other users must include a description of the background and purpose of the request.

Subject to the provisions of “Uploading Funds” below, in order to claim a refund for an unauthorised or incorrectly executed payment transaction on your Account you must notify us without undue delay after becoming aware of the unauthorised or incorrect transaction and in any event no later than thirteen (13) months after the debit date of the transaction.

Uploading funds

You can upload funds in the App by following the relevant upload instructions. You may be presented with several different upload methods, depending on which payment instruments you have added to your Account and which payment methods are available in your country of residence. Upload methods are payment services provided by third party financial institutions (for example, the issuer of the payment card you use to upload funds or third-party direct banking service providers) and are not part of our service. We do not guarantee the use of any upload method made available and may make changes to or discontinue the acceptance of any upload method at any time without following the procedure set out in “Changes to these Terms of Use”.

You may be asked to answer security questions or to complete other activities that we may reasonably require to ensure proper authorisation of an upload transaction.

If you choose an upload method using a payment instrument that may be subject to chargeback rights such as (but not limited to) credit or debit card or direct debit, you declare that you will not exercise such chargeback right other than for unauthorised use of the payment instrument or for a breach by us of these Terms which would result in you having a right to a refund of the uploaded amount. We reserve the right to charge you Fees and expenses we incur in connection with such chargeback and any action undertaken to challenge the same. We may also charge you a chargeback fee of SEK 300.

If a chargeback or reversal of an upload transaction results in a negative balance in your Account, you will be required to repay such negative balance by uploading sufficient funds into your Account. Failure to do so is a breach of these Terms. Repayment of the negative balance is due immediately without notice. We reserve the right, at any time, to send you reminders or to take other debt collection measures including but not limited to instructing a debt collection agency or solicitors or to pursue the claim in court. We reserve the right to charge you the expenses we reasonably incur in connection with any debt collection or enforcement efforts.

Uploaded funds will be credited to your Account after the funds have been received by us. Some upload transactions will be credited to your Account immediately but are subject to reversal in case the actual funds do not reach us within a reasonable time, in which case we will deduct such reversed transaction from the balance of your Account. If your Account balance is insufficient, we reserve the right to require repayment from you.

For the purposes of an upload transaction through a payment instrument, we are a payment recipient and not a payment service provider.

We may offer credit options for uploading of funds via third party payment provider Klarna. Please see www.klarna.com for more information or assistance with ongoing Klarna payments.

You must not make an upload through a payment instrument if you are not the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act.

Uploading funds to your Account must have the purpose of settling debts to other Steven users or of using the Steven Card. If we deem that your behaviour deviates from the intended purpose we reserve the right to cancel your ability to use your Account.

Uploads may be subject to upload limits due to security and legal requirements. The limits can change from time to time.

Uploads may be subject to upload Fees and currency conversion Fees depending on which upload method and payment instrument is chosen. Please see the section “Fees” for details.

You may be asked to answer security questions or to complete other activities that we may reasonably require to ensure proper authorization of an upload transaction. 

Sending funds

To send a payment you are required to authorise the payment with your pass-code. We may also ask you additional security questions relating to you or your Account.

If your Account is protected by additional security measures such as password tokens, you need to follow the instructions provided to you with such additional security measures.

Once funds are credited to the recipient’s Account, the transaction becomes irreversible. Payments may be subject to payment limits due to security and legal requirements.

The limits can change from time to time.

Receiving funds

You must only request payments for undisputed amounts that a person owes you and that are due for payment in full. You may not use this service more than once for the same payment you request. This service may not be used as a debt collection or enforcement tool. If the person that owes you the payment asks you not to use Steven to request payment from them, you must comply with this request. When using this service, you must ensure that you have the right to contact the person you are claiming from. You are strictly prohibited from requesting money from someone that does not owe you the amount requested; would be ineligible to open an Account (for example minors); or has not given or has withdrawn his or her consent to receive a request for payment. We shall have the right to claim any damages or losses arising out of your breach of this section.

If you receive funds into your Account, we will send a notification within the App and display the payment in your transaction history. You should regularly reconcile payments with your own records.

You should be aware that receipt of funds to your Account does not necessarily mean that these transactions cannot be reversed. We reserve the right to reverse a payment in case the payer or the payer’s bank or payment service provider has charged back or otherwise reversed (or is reasonably likely to charge back or otherwise reverse) an upload or other payment which was used to fund the payment to you.

The receipt of payments can be subject to Fees and currency Fees, depending on the type of payment you receive and the type of Account you have.

We may limit the amount of funds you can receive due to security and legal requirements. The limits can change from time to time.

Withdrawing funds and redemption

  • You can request a withdrawal of all or part of the funds held in your Account at any time. To do this you must log into your Account and select a withdrawal method and enter the amount to be withdrawn. Withdrawal methods are payment services provided, at least in part, by third party financial institutions (for example, the bank where you hold a bank account). We do not guarantee the availability of any withdrawal method and may make changes to or discontinue a withdrawal method at any time as long as there is at least one withdrawal method available to you. 

  • Where the withdrawal payment is received by you through the involvement of a payment service provider (such as the bank where you hold a bank account), we shall not be responsible for the withdrawal payment once the withdrawn funds are received by your payment service provider. 

  • Your Account is subject to withdrawal limits. The limits can change from time to time.

  • If your withdrawal request exceeds your limit, we may decline your request. 

  • Withdrawals may be subject to withdrawal Fees and currency conversion Fees depending on which withdrawal method and payment instrument is chosen. 

  • You must not make a withdrawal to a bank account or other payment instrument if you are not the named holder. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to investigate a withdrawal to a payment instrument that is not in your name, we may charge an administration fee of up to 15 EUR. 

  • You must ensure that the payment details you enter when withdrawing funds are correct and complete. We will not be liable for withdrawn funds being sent to the wrong payment instrument where this is due to you providing incorrect payment details. When withdrawing to a bank account, you must ensure that the account number, sort code, IBAN and/or BIC/SWIFT are correct. If you have withdrawn funds to the wrong payment instrument, you may request that we assist you in reclaiming the funds, however, we will charge you an administration fee of up to 25 EUR for doing so and we cannot guarantee that the reclaim efforts will be successful. 

Closing your Account

You may close your Account at any time by contacting Customer Service through the app or via email info@getsteven.com.

If your Account holds a balance at the time of its closure, we will ask you to withdraw your funds within a reasonable time period, during which your Account will be accessible for the purpose of withdrawing the remaining balance only. After the expiry of this period you will not be able to access your Account but you may withdraw any remaining funds by contacting Customer Service and requesting that the funds are sent to you in a manner that is reasonably acceptable to us. You may do so for a period of six years from the date of closure of your Account, but we suggest that you withdraw your remaining funds as soon as possible as they will not earn any interest while being held.

We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorising any withdrawal of your funds, including in relation to returning any funds to you after you have closed your Account.

Account safety

You must take all reasonable steps to keep your Account safe at all times and never disclose passwords or pass-codes to anyone. Our personnel will never ask you to provide your password or pass-code to us or to a third party. It is advisable to change your password and/or pass-code regularly (every six months) in order to reduce the risk of a security breach. You must never allow anyone to access your Account or watch you accessing your Account.

If you have any indication or suspicion of your Account, login details, password or other security feature being lost, stolen, used without authorisation or otherwise compromised, you are advised to change them. You must contact Customer Service without undue delay on becoming aware of any loss, theft or unauthorised use of your Account, login details, password or other security features. Any undue delay in notifying us may not only affect the security of your Account but may result in you being liable for any losses as a result. If you suspect that your Account was accessed by someone else, you should also contact the police and report the incident.

We may suspend your Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Account or any of its security features, or if we reasonably suspect that an unauthorised or fraudulent use of your Account has occurred or that any of its security features have been compromised. We will notify you of any suspension or restriction and of the reasons for it in advance or, where we are unable to do so, immediately after the suspension or restriction has been imposed, unless notifying you would be unlawful or compromise our reasonable security interests. We will lift the suspension and/or the restriction as soon as practicable after the reasons for it have ceased to exist.

You must take all reasonable care to ensure that your e-mail accounts are secure and only accessed by you, as your e-mail address may be used to reset passwords or to communicate with you about the security of your Account. In case any of the e-mail addresses registered with your Account are compromised, you should without undue delay after becoming aware of this contact Customer Service and contact your e-mail service provider.

Irrespective of whether you are using a shared or your own device to access your Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded.

Additional products or services you use may have additional security requirements and you must familiarise yourself with those as notified to you.

Liability

In case of an unauthorised payment or a payment that was incorrectly executed due to an error by us, we shall at your request immediately refund the payment amount including any Fees deducted therefrom.

This shall not apply:

  • where the unauthorised payment arises from your failure to keep the personalised security features of your Account safe in accordance with the section “Account Safety”, in which case you shall remain liable;

  • if you fail to notify us without undue delay of any loss of your password or pass-code or other event that could reasonably be expected to have compromised the security of your Account after you have gained knowledge of such event, in which case you shall remain liable for losses incurred up to your notification to us;

  • if the transaction was unauthorised but you have compromised the security of your Account with intent or gross negligence, in which case you shall be solely liable for all losses; or

  • if you fail to dispute and bring the unauthorised or incorrectly executed transaction to our attention within 13 months from the date of the transaction.

The above shall not apply to transactions made after you have notified us in accordance with the Account Safety section, in which case we shall remain liable and refund any unauthorised transaction immediately to you.

Without prejudice to the foregoing, you are asked to check the transaction history of your Account regularly and frequently and to contact Customer Service immediately in case you have any questions or concerns.

In the case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments.

Subject to the foregoing, we shall not be liable for any disruption or impairment of our service or for disruptions or impairments of intermediary services on which we rely for the performance of our obligations hereunder, if such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected.

We shall not be liable for any indirect or consequential losses including but not limited to loss of profit, loss of business and loss of reputation. We shall not be liable for any losses arising from our compliance with legal and regulatory requirements.

Nothing in these Terms shall operate to exclude liability for death or personal injury due to negligence, or for fraud or fraudulent misrepresentation, or for any statutory liability that cannot be excluded or amended by agreement between the parties. Nothing in these Terms limits or excludes any right you have as a consumer under Swedish law which cannot be limited or excluded by agreement.

Our obligation under these Terms is limited to providing you with an electronic money account and related payment services and does not make any statement in relation to, or endorsement of, the quality, safety or legality of any goods or services provided by a Steven customer or intermediary.

We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between you and another Steven customer.

Indemnification. You agree to defend, reimburse or compensate us and hold us and the other companies in our corporate group harmless from any claim, demand, expenses or costs (including legal fees, fines or penalties) that we incur or suffer due to or arising out of your or your agents’ breach of these Terms, breach of any applicable law or regulation, and/or use of the services. This provision shall survive termination of the relationship between you and us.

Open banking

A feature in the App offers you the opportunity to have an overall view of your financial situation including your recent transactions, and enables you to choose transactions that you want to add to a group as a shared expense. You may also use the budgeting and offers and suggestions services, which help you to create and follow up on budgeting, categorise your expenses and give you tips on how to lower your expenses. The feature is provided together with the account information service provider, Klarna Bank AB. Steven has integrated part of Klarna Bank’s open banking service (the account information service) with the App.

By requesting the open banking service, Klarna Bank will access and collect information from one or more online bank accounts held by you (such as balance and transaction information) and supply us with the information. The information will be shown to you through the App and enable you to use it as described above. Klarna Bank’s own privacy notice and terms and conditions will apply to their processing of your personal data in connection with the open banking services provided by them.

Data

The processing of your data is governed by our Privacy Policy. By accepting these Terms, you also agree to the terms of our Privacy Policy. You should print and keep a copy of the Privacy Policy together with these Terms.

As a default, you will receive notifications in the App that will inform you about new product features, events, promotions, special deals and similar. By accepting these Terms, you agree to receive such notifications on a regular basis. If you do not wish to receive any notification from us, you can opt out at any time by changing the appropriate setting on your phone.

Prohibited transactions

It is strictly forbidden to send or receive payments as consideration for the sale or supply of: tobacco products; prescription drugs; drugs and drug paraphernalia; weapons (including without limitation knives, guns, firearms or ammunition); satellite and cable TV descramblers; pornography, adult material, material which incites violence, hatred or racism or which is considered obscene; government IDs and licences including replicas and novelty items and any counterfeit products; unlicensed or illegal lotteries or gambling services; unregistered charity services; items which encourage or facilitate illegal activities; prepaid debit cards or other stored value; payment aggregation products or services; multi-level marketing, pyramid selling or ponzi schemes, or other “get rich quick” schemes or high yield investment programs; goods or services that infringe the intellectual property rights of a third party; timeshares or property reservation payments (on and off plan). We reserve the right, in our sole discretion, to add categories of prohibited transactions by adding such categories to these Terms.

We reserve the right to suspend or terminate your Account at any time if we reasonably believe we are required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognised body for the prevention of financial crime.

It is strictly forbidden to make payments to or to receive payments from persons or entities offering illegal gambling services, including (but not limited to) illegal sports betting, casino games and poker games. We may suspend or terminate your Account at any time, or refuse to execute or reverse a transaction, if we believe that you directly or indirectly use or have used your Account for or in connection with illegal gambling transactions.

It is strictly forbidden to use your Account for any illegal purposes including but not limited to fraud and money laundering. We will report any suspicious activity to the relevant authority in accordance with our legal obligations.

You may only accept payments for certain categories of business after approval from us.

If you conduct or attempt to conduct any transaction in violation of the prohibitions contained in this section or without the necessary approval, we reserve the right to: reverse the transaction; and/or close or suspend your Account; and/or report the transaction to the relevant authority; and/or claim damages from you; and charge you an administration fee of up to SEK 260 in case we apply any of the above.

Termination

We may terminate your Account or any payment service associated with it by giving you two months’ prior notice. You may terminate your Account with us at any time.

Together with a termination notice or at any time thereafter we may give you reasonable instructions on how to withdraw remaining funds. Termination does not affect your right to redeem your electronic money at par value.

If your Account is subject to a reserve, termination of your Account will not affect our right to hold the reserve and to make deductions from it for the time agreed.

We may at any time suspend or terminate your Account without notice in case:

  • you breach any condition of these Terms or any other condition applicable to specific services covered by separate terms and conditions;

  • you violate, or we have reason to believe that you are in violation of, any law or regulation that is applicable to your use of our services; or

  • we have reason to believe that you are in any way involved in any fraudulent activity, money laundering, terrorism financing or other criminal activity.

We may suspend your Account at any time if we reasonably believe that your Account has been compromised or for other security reasons, or we reasonably suspect your Account to have been used or is being used without your authorisation or fraudulently. We shall notify you either prior to the suspension or, if prior notification is not possible under the circumstances, promptly after the suspension, unless we are prohibited by law from notifying you.

Fees

Fees depend on whether you are using your Account for personal or commercial purposes, and on whether you choose to upgrade to our additional features through a subscription.

Any transaction-related Fees can be viewed at any time in the “Fees” section of our Website or in the App. For clarity, the “Fees” section forms part of these Terms. Fees are subject to change in accordance with the section “Changes to these Terms of Use” below.

Fees payable by you will be deducted from your Account balance and you hereby authorise us to do the same. Transaction Fees will be charged when the transaction is executed. If your Account balance is insufficient to cover the Fees, we may refuse to execute the payment. Reversal or chargeback Fees will be deducted when incurred.

If the deduction of Fees results in a negative Account balance, you will be required to repay such negative balance by uploading sufficient funds into your Account. Failure to do so is a breach of these Terms. Repayment of the negative balance is due immediately without notice; however, we reserve the right at any time to send you reminders that you need to upload funds or to take other debt collection measures including but not limited to instructing a debt collection agency or solicitors or to pursue the claim in court. We reserve the right to charge you expenses we have reasonably incurred in connection with any debt collection or enforcement efforts.

Changes to these Terms of use

These Terms and any additional terms and conditions that may apply are subject to change. Changes will be implemented with prior notice from us under the procedure set forth in this section. 

We shall give notice to you of any proposed change by sending a notification in the App. 

The proposed change shall come into effect one (1) month after the date of the change notice, unless you have given us notice that you object to the proposed changes before the changes come into effect. Changes that make these Terms more favourable to you shall come into effect immediately if so stated in the change notice. Changes to exchange rates shall come into effect immediately without notice and you shall not have the right to object to such a change. 

If you object to the changes, they will not apply to you, however, any such objection shall constitute a notice by you to terminate and close your Account. Your Account will be closed in accordance with the provisions of the Closing Your Account section above. 

How we communicate

We usually communicate with you via the App. You are required to check for messages regularly and frequently. Any communication or notice sent will be deemed received by you on the same day.

Where legislation requires us to provide information to you on a durable medium, we will either send you an e-mail (with or without attachment) or send you a notification pointing you to information on our Website in a way that enables you to retain the information in print format or another format that can be retained by you permanently for future reference. You are required to keep copies of all communications we send or make available to you.

You can request a copy of the current Terms or any other contractual document relevant to you by contacting Customer Service.

We communicate with you in Swedish or English and will accept communications made to us in either language.

Apart from communicating via notifications in the App, we may contact you via email, letter or telephone, where appropriate. If you use any mobile services, we may communicate with you via SMS. Any communication or notice sent by post will be deemed received three days from the date of posting for Swedish post or within five days of posting for international post. Any communication or notice sent by SMS will be deemed received the same day.

You may contact us at any time by sending a message to Customer Service via the “Support” facility within the App.

Complaints

Any complaint about us or the services we provide should be addressed to us in the first instance by emailing complaint@getsteven.com for the attention of Hamit Altintas or by contacting Customer Service through the App. Please state clearly that you wish to make a complaint, so that we can distinguish it from a general query.

We will acknowledge your complaint within three business days of receiving it.

We will provide you with a final response within 15 business days of receiving a complaint relating to payment services or to the issuance or redemption of electronic money. If, exceptionally, we are unable to do so, we will write to you explaining why and give you a date by which you will receive our final response, which will be no later than 35 business days from the date we received your complaint.

Complaints are recorded and reported to the Board of Steven AB. The Company’s appointed complaints officer can be reached at the email mentioned above and address mentioned below.

If you are not satisfied with how we have handled your complaint, you may:

  • refer the matter to Allmänna reklamationsnämnden (ARN), the National Board for Consumer Disputes, Box 174, 101 23 Stockholm, www.arn.se. Complaints to ARN must be submitted in writing and certain conditions as to the value and timing of the claim must be met. ARN issues recommendations on how the dispute should be resolved, and Steven AB participates in ARN’s handling of disputes;

  • obtain free and independent guidance from Konsumenternas Bank- och finansbyrå, Box 24215, 104 51 Stockholm, www.konsumenternas.se;

  • contact the consumer adviser (konsumentvägledare) in your municipality;

  • where the agreement was concluded online, submit the complaint through the EU’s Online Dispute Resolution platform at ec.europa.eu/odr, from where the case will be forwarded to ARN. Further information is available at www.konsumenteuropa.se; or

  • bring the matter before a Swedish court.

Steven AB is supervised by Finansinspektionen, Box 7821, 103 97 Stockholm, www.fi.se. Finansinspektionen supervises the Company but does not resolve individual disputes between the Company and its customers; ARN is the body for that purpose.

Miscellaneous

No person other than you shall have any rights under these Terms.

Your Account is personal to you and you may not assign any rights under the Terms to any third party.

Your Account is operated in Sweden and these Terms shall be governed by and interpreted in accordance with Swedish law. Any dispute arising under these Terms or otherwise in connection with your Account shall be determined by the Swedish courts. Nothing in this section deprives you of the protection of any mandatory consumer law of the country in which you are habitually resident.

If any part of these Terms is found by a court of competent jurisdiction to be invalid, unlawful or unenforceable, then such part shall be severed from the remainder of the Terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

Contact and company information

Steven AB, registration number 559026-5673 Registered address: Norrlandsgatan 24, 2nd Floor, 111 46 Stockholm, Sweden Authorised by Finansinspektionen as an electronic money institution under lagen (2011:755) om elektroniska pengar. Institution number 48004.

Customer Service: through the “Support” facility in the App, or info@getsteven.com Complaints: complaint@getsteven.com; for the attention of Hamit Altintas.