Terms & Conditions of Use
Effective Date: 10th February 2026
Last Updated: 13th February 2026

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These Terms & Conditions of Use (“Terms”) govern your access to and use of the website located at https://tontine.com (the “Site”), the MyTontine/Tontine mobile or web-based application (the “App”), and all related services (together, the “Platform”) provided by Tontine Trust Europe KB, a Swedish limited partnership providing Trust Services, and its affiliates (“Tontine Trust”, “we”, “us”, “our”).
By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.
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1. Acceptance of Terms
By accessing, browsing, registering for an account, or otherwise using the Platform, you confirm that you:
• Accept these Terms in full;
• Are legally capable of entering into a binding agreement; and
• Will comply with all applicable laws and regulations.
If you use the Platform on behalf of a legal entity, you represent that you have authority to bind that entity.
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2. Description of Services
The Platform provides access to:
• Information about Tontine Trust structures;
• Trust establishment and administration tools;
• Member dashboards and reporting;
• Communication tools related to trust participation; and
• Related fiduciary and administrative services.
Tontine Trust acts solely in a fiduciary and administrative capacity. We do not:
• Provide investment advice;
• Act as an investment manager;
• Offer underwriting or insurance;
• Guarantee investment returns or distributions.
All information on the Platform is for general informational purposes only and does not constitute financial, investment, legal, or tax advice.
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3. Eligibility
You may only use the Platform if you:
• Are at least 18 years old (or the age of majority in your jurisdiction);
• Are not prohibited from receiving fiduciary or trust services under applicable law; and
• Provide accurate and complete information.
We reserve the right to refuse service at our discretion where legally permitted.
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4. Account Registration and Security
To access certain features, you may be required to create an account.
You agree to:
• Provide accurate and up-to-date information;
• Maintain the confidentiality of your login credentials such as your PIN number;
• Immediately notify us of unauthorized use of your account.
You are responsible for all activity conducted under your account.
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5. Acceptable Use
You agree not to:
• Use the Platform for unlawful purposes;
• Attempt unauthorized access to systems or data;
• Interfere with the security or performance of the Platform;
• Upload malicious code or harmful content;
• Misrepresent your identity.
We may suspend or terminate access if you violate these Terms.
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6. App-Specific Terms (Tontine/MyTontine)
6.1 Device Permissions
The App may request certain permissions necessary for functionality, including:
• Internet/network access;
• Secure authentication access;
• Push notification permissions;
• Biometric authentication (if enabled by you).
Permissions are used solely to provide Platform services.
6.2 Push Notifications
By installing or enabling the App, you consent to receive push notifications relating to:
• Account activity;
• Trust updates;
• Distribution notices;
• Security alerts;
• Important service communications.
You may disable push notifications through your device settings. Disabling notifications may impact your awareness of important updates.
6.3 Electronic Communications
By using the Platform, you consent to receive communications electronically, including:
• Emails;
• In-App messages;
• System alerts;
• Legal notices;
• Statements and confirmations.
Service-related communications are not marketing communications and are necessary for provision of services.
You may opt out of marketing emails at any time using the unsubscribe mechanism provided. You cannot opt out of essential service communications.
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7. Data Protection and Privacy (GDPR)
We process personal data in accordance with:
• The EU General Data Protection Regulation (GDPR);
• Applicable Swedish data protection laws.
7.1 How We Use Data
We collect and process personal data solely for:
• Providing and administering trust services;
• Identity verification and compliance;
• Regulatory obligations;
• Security and fraud prevention;
• Member communications;
• Improving Platform functionality.
We do not sell personal data.
We only share personal data where necessary:
• With trusted service providers who support our operations (e.g., IT providers, custodians, compliance providers);
• Where legally required;
• To fulfil contractual or regulatory obligations.
All processing is based on lawful grounds under Article 6 GDPR (contract performance, legal obligation, legitimate interests, or consent where applicable).
7.2 Data Retention
We retain personal data only as long as necessary to:
• Provide services;
• Meet legal and regulatory requirements;
• Resolve disputes.
7.3 Your Rights
Under GDPR, you have the right to:
• Access your personal data;
• Request correction;
• Request erasure (subject to legal obligations);
• Restrict or object to processing;
• Data portability;
• Lodge a complaint with the Swedish Authority for Privacy Protection (Integritetsskyddsmyndigheten).
Full details are available in our Privacy Policy.
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8. Intellectual Property
All content, software, documents, agreements, branding, text, graphics, logos, and design elements on the Platform including the Tontinator are the exclusive property of Tontine Trust or its licensors.
You may not:
• Copy, reproduce, distribute, modify, or create derivative works;
• Reverse engineer or attempt to extract source code;
• Use our trademarks without written permission.
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9. Third-Party Services
The Platform may include links to third-party services. We are not responsible for their content, privacy policies, or practices.
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10. Disclaimer of Warranties
The Platform and Services are provided “as is” and “as available.”
To the fullest extent permitted by law, Tontine Trust disclaims all warranties, express or implied, including:
• Merchantability;
• Fitness for a particular purpose;
• Non-infringement.
We do not warrant that the Platform will be uninterrupted, secure, or error-free.
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11. Limitation of Liability
To the maximum extent permitted under Swedish law, Tontine Trust shall not be liable for:
• Indirect or consequential damages;
• Loss of profits or opportunity;
• Data loss;
• Business interruption.
Nothing in these Terms limits liability that cannot be excluded under applicable law.
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12. Indemnification
You agree to indemnify and hold harmless Tontine Trust and its affiliates from claims arising from:
• Your breach of these Terms;
• Your misuse of the Platform;
• Your violation of applicable law.
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13. Suspension and Termination
We may suspend or terminate access:
• If you breach these Terms;
• If required by law or regulatory authority;
• To protect the integrity or security of the Platform.
Termination does not affect accrued rights or obligations.
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14. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of Sweden, without regard to conflict of law principles.
Any dispute arising from or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the Swedish courts.
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15. Changes to These Terms
We may update these Terms from time to time. Updated versions will be published on this page with a revised “Last Updated” date.
Continued use of the Platform constitutes acceptance of any changes.
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16. Contact Information
Tontine Trust Europe KB
Kungsbro Strand 29 112 26 Stockholm, Sweden
Email: [email protected]
Website: https://tontine.com