Brighty One Subscription Terms and Conditions

Last Revised: 01.10.2026

These Terms and Conditions govern subscription plans made available through the Brighty platform by BTY Digital AG. They supplement the BTY Digital AG General Terms and Conditions and any product-specific terms that apply to the Services used by the Client.

BTY Digital AG (“BTY”, “we”, “us” or “our”) is a Swiss stock corporation (Aktiengesellschaft) with registered office at Mühlegasse 18, 6340 Baar, Switzerland, Swiss UID CHE-352.538.716.

These Brighty One Subscription Terms and Conditions (the “Subscription Terms”) apply to any eligible Client (“Client” or “you”) that selects or uses a Brighty One, Brighty Plus, Brighty Pro or other subscription plan made available by BTY through the Brighty platform.

A subscription plan determines the features, limits, pricing or other service benefits available to the Client. It does not replace BTY’s onboarding, AML/CFT, product-eligibility, risk or other requirements and does not guarantee access to any financial, payment, card or Digital Asset Service.

1. ELIGIBILITY AND RELATIONSHIP WITH OTHER TERMS

1.1 Eligibility

Subscription plans may be made available to eligible Personal Clients and Business Clients, subject to the availability of the relevant plan and BTY’s eligibility requirements.

A Personal Client means a natural person who uses BTY’s Services for personal, family or household purposes.

A Business Client means a legal entity, partnership or other organisation that uses BTY’s Services in connection with its business, professional or organisational activities.

1.2 Active BTY Relationship

A Client must have been separately onboarded and accepted by BTY and maintain an active BTY relationship in order to use a subscription plan.

1.3 Relationship with General Terms

Access to any feature included in a subscription plan remains subject to:

  • the BTY General Terms and Conditions;

  • applicable product-specific terms;

  • Applicable Law;

  • jurisdictional availability;

  • third-party provider availability; and

  • BTY’s risk, compliance and eligibility requirements.

1.4 Priority of Terms

If these Subscription Terms conflict with the BTY General Terms and Conditions or applicable product-specific terms, the more specific terms applicable to the relevant Service will prevail with respect to that Service, unless mandatory law requires otherwise.

1.5 Mandatory Rights

Nothing in these Subscription Terms excludes, restricts or modifies any right or protection afforded to a Client under Applicable Law that cannot lawfully be excluded, restricted or modified by agreement.

2. FREE BRIGHTY ONE PLAN

2.1 Free Plan

Where offered, the Brighty One plan is a free subscription tier that may provide basic platform features without a recurring subscription fee.

2.2 Features and Limits

The features, limits and benefits of the free plan are those displayed in the Brighty platform from time to time.

Features and limits may vary depending on:

  • the Client’s jurisdiction;

  • Client type;

  • Client profile;

  • product availability;

  • regulatory requirements;

  • third-party provider arrangements; and

  • other eligibility criteria.

2.3 No Guaranteed Feature Availability

The inclusion of a feature in the Brighty One plan does not guarantee that the feature will be available to every Client or in every jurisdiction.

3. PAID SUBSCRIPTION PLANS

3.1 Available Plans

Where offered, eligible Clients may subscribe to Brighty Plus, Brighty Pro or another paid subscription plan made available by BTY.

3.2 Plan Information

Before subscribing to a paid plan, the Client will be shown or otherwise informed of the applicable:

  • subscription fee;

  • billing period;

  • included features;

  • transaction or usage limits;

  • discounts or other benefits;

  • applicable conditions; and

  • any other material plan-specific information.

3.3 Separate Service Fees

Subscription fees are separate from transaction fees, third-party provider charges, blockchain network fees, card fees, Currency Conversion spreads and other charges that may apply to individual Services, unless expressly stated otherwise.

3.4 No Automatic Access to Services

Having a paid subscription does not by itself entitle the Client to use any financial, payment, card, Fiat Payment Account, Crypto Account or other Service.

The relevant Service remains subject to its own eligibility, onboarding, compliance, availability and contractual requirements.

4. ACTIVATION AND PLAN CHANGES

4.1 Activation

A subscription plan becomes active once the Client selects the relevant plan, accepts the applicable price and conditions, and the subscription fee, if any, is successfully charged or otherwise becomes payable.

4.2 Upgrades and Changes

The Client may upgrade from a free plan to a paid plan, or change between available paid plans, through the Brighty platform or another method made available by BTY.

4.3 Effective Date of Plan Changes

Where the Client upgrades to a higher paid plan, the upgrade may take effect immediately and BTY may charge the applicable new subscription fee or any applicable pro-rated amount, as communicated to the Client before the upgrade is confirmed.

Unless otherwise stated by BTY, a downgrade to a lower-priced plan will take effect at the end of the Client’s current paid subscription period.

The applicable timing, charges and any credits relating to a plan change will be displayed or otherwise communicated to the Client before the plan change is confirmed.

4.4 Restrictions on Changes

BTY may restrict or delay a plan change where reasonably necessary for legal, regulatory, technical, fraud-prevention, payment-processing or operational reasons.

5. FEES, BILLING AND PAYMENT AUTHORISATION

5.1 Payment Authorisation

By subscribing to a paid plan, the Client authorises BTY to charge the applicable subscription fee using the payment method, account balance or other payment mechanism selected or made available to the Client.

5.2 Billing Information

Subscription fees and billing frequency will be displayed in the Brighty platform or otherwise communicated to the Client before the Client subscribes.

Unless expressly stated otherwise, fees are exclusive of applicable taxes.

5.3 Recurring Billing and Renewal

Unless otherwise stated at the time of subscription, a paid subscription automatically renews for successive billing periods until cancelled in accordance with Section 6.

By subscribing to a paid plan, the Client authorises BTY to charge the applicable subscription fee at the beginning of each billing period using the payment method, account balance or other payment mechanism selected or made available to the Client.

5.4 Failed Payments

If payment cannot be collected when due, BTY may:

  • retry the payment;

  • request another payment method;

  • restrict paid-plan benefits;

  • downgrade the subscription;

  • suspend the subscription; or

  • terminate the subscription,

subject to Applicable Law and the Client’s underlying Service terms.

5.5 Client Responsibility

The Client is responsible for ensuring that its payment information is accurate and that sufficient available funds or other authorised payment capacity is available for amounts due.

6. CANCELLATION, DOWNGRADE AND REFUNDS

6.1 Cancellation

The Client may cancel a paid subscription or request a downgrade through the Brighty platform or another method made available by BTY.

6.2 Effective Date

Unless BTY expressly states otherwise, cancellation or downgrade takes effect at the end of the current paid subscription period.

The Client may continue to use the applicable paid-plan features until that time, subject to these Subscription Terms and the underlying Service terms.

No further subscription fee will be charged for a subsequent billing period following an effective cancellation, unless the Client subsequently reactivates or purchases a paid subscription.

6.3 Refunds

Except where required by Applicable Law, expressly stated otherwise at the time of subscription or otherwise agreed by BTY, subscription fees already paid are non-refundable, including where the Client cancels or downgrades before the end of the current subscription period.

6.4 No Automatic Account Closure

Cancellation of a subscription plan does not by itself close the Client’s BTY account or terminate other Services.

Account closure is governed by the BTY General Terms and Conditions and applicable product-specific terms.

7. PLAN FEATURES AND THIRD-PARTY DEPENDENCIES

7.1 Third-Party Services

Plan features may depend on external banks, payment institutions, card issuers, custodians, blockchain networks, technology providers, liquidity providers or other third-party service providers.

Availability may therefore change or be interrupted for reasons outside BTY’s reasonable control.

7.2 Client-Specific Availability

Inclusion of a feature in a subscription plan does not guarantee that the feature will be available to every Client.

Certain features may require:

  • additional onboarding;

  • provider approval;

  • additional documentation;

  • separate eligibility requirements;

  • additional compliance checks; or

  • acceptance of separate terms.

7.3 Changes to Features

BTY may replace, suspend or discontinue a plan feature where reasonably necessary because of legal, regulatory, security, operational, third-party provider, product or commercial changes.

8. CHANGES TO PLANS, FEES AND THESE TERMS

8.1 Changes

BTY may amend subscription plans, plan features, subscription fees or these Subscription Terms from time to time for legal, regulatory, operational, security, provider, product or commercial reasons.

8.2 Material Changes

Where a change materially affects an active paid subscription, BTY will provide reasonable prior notice where practicable or where required by Applicable Law.

Changes required urgently by law, regulation, security considerations or a third-party provider may take effect sooner where reasonably necessary.

8.3 Changes to Subscription Fees

Where BTY changes the subscription fee applicable to an active paid subscription, the new fee will, unless required otherwise by Applicable Law or expressly agreed with the Client, apply from the beginning of the next billing period following reasonable prior notice.

The Client may cancel the affected subscription before the new subscription fee becomes effective.

8.4 Client’s Right to Cancel

If the Client does not agree to a material change to an active subscription, the Client may cancel the affected subscription before the change becomes effective, subject to any applicable mandatory law.

8.5 Continued Use

To the extent permitted by Applicable Law, continued use of the subscription after the effective date of revised Subscription Terms constitutes acceptance of those revised terms.

9. SUSPENSION AND TERMINATION OF SUBSCRIPTION BENEFITS

9.1 Suspension or Termination

BTY may suspend or terminate subscription benefits where:

  • the Client materially breaches these Subscription Terms;

  • the Client breaches the BTY General Terms and Conditions;

  • the Client fails to pay amounts due;

  • the Client becomes ineligible for the relevant plan or Service; or

  • suspension or termination is reasonably required for legal, regulatory, AML/CFT, sanctions, fraud-prevention, security, third-party provider or operational reasons.

Where reasonably practicable and permitted by Applicable Law, BTY will inform the Client of the suspension or termination through the Brighty platform or other appropriate communication channel.

9.2 Effect on Other Services

Suspension or termination of a subscription plan does not by itself terminate the Client’s underlying BTY account or other Services unless the applicable terms provide otherwise.

However, the suspension or termination of a subscription may result in the loss of features or benefits that are available only under that plan.

10. NO GUARANTEE OF ECONOMIC BENEFIT

10.1 No Guaranteed Savings

BTY does not guarantee that the financial value of discounts, reduced fees, higher limits, cashback, rewards, pricing advantages or other benefits available under a paid plan will exceed the subscription fee paid by the Client.

10.2 Client Assessment

The Client is responsible for determining whether a subscription plan is suitable for its own expected usage and circumstances.

BTY does not provide investment, tax, legal or financial advice in connection with the selection of a subscription plan.

11. GOVERNING LAW AND JURISDICTION

11.1 Governing Law

These Subscription Terms are governed by Swiss law, excluding its conflict-of-laws rules.

11.2 Jurisdiction

Subject to mandatory jurisdiction rules, the courts at the registered office of BTY in 6340 Baar, Switzerland, shall have exclusive jurisdiction over disputes arising out of or in connection with these Subscription Terms.

Nothing in this Section limits mandatory consumer-protection or jurisdiction rights that cannot legally be excluded.

12. CONTACT AND ACCEPTANCE

12.1 Contact

Questions concerning subscription plans may be submitted to support@brighty.app or through the support channels made available through the Brighty platform.

12.2 Acceptance

By selecting, paying for or continuing to use a subscription plan, the Client confirms that it has read, understood and agreed to these Subscription Terms together with the applicable BTY General Terms and Conditions and relevant product-specific terms.