Legal Notice / Imprint
CY.SEND Digital Rewards Platform
Table of Contents
1. Company Information
CY.TALK SWITZERLAND S.A.
Trading as: CY.SEND
Legal Form: Swiss Corporation (Société Anonyme)
Commerce Registry: Geneva Commerce Registry
Federal Number: CH-660.0.183.985-7
UID: CHE-114.304.164
Registered Office: 7, Place du Rondeau, 1227 Carouge (Geneva), Switzerland
VAT Registration: CHE-114.304.164 TVA
1.1 Business Description
CY.TALK SWITZERLAND S.A., operating under the CY.SEND brand, is a digital rewards platform providing instant rewarding solutions for businesses worldwide. The platform enables the purchase and distribution of digital products, including e-gift cards and mobile top-ups, across multiple industries including insurance, healthcare, gaming, gig economy, banking, retail, and travel.
1.2 Role as Reseller
CY.SEND acts as an authorized reseller of digital products issued by third-party brands and merchants ("Product Issuers"). CY.SEND is not the issuer of these products and does not control their terms, conditions, or validity. Each product is subject to the terms and conditions set by its respective Product Issuer.
2. Contact Information
For all inquiries including customer support, business inquiries, legal matters, and data protection requests, please visit our Contact Us page.
3. Regulatory Framework
3.1 Applicable Swiss Legislation
CY.TALK SWITZERLAND S.A. operates in compliance with the following Swiss laws and regulations:
Swiss Code of Obligations (CO) – Corporate governance and contractual obligations
Federal Act on Unfair Competition (LCD) – Consumer protection and fair business practices
Federal Act on Data Protection (FADP / nDSG) – Data protection and privacy (revised version effective September 1, 2023)
Ordinance on Data Protection (DPO / DSV) – Implementing provisions for data protection
Federal Act on the Combating of Money Laundering (AMLA) – Anti-money laundering compliance
Ordinance on Price Indication (OPI / PBV) – Transparent pricing requirements
3.2 International Compliance
For customers in the European Union, we also comply with:
General Data Protection Regulation (GDPR) – EU data protection framework
EU Consumer Rights Directive 2011/83/EU – Consumer protection for digital content
EU Digital Content Directive 2019/770 – Rights for digital content and services
3.3 Sanctions Compliance
CY.SEND maintains strict compliance with international sanctions regimes, including those administered by:
SECO – Swiss State Secretariat for Economic Affairs
EU Sanctions – European Union restrictive measures
UN Sanctions – United Nations Security Council sanctions
OFAC – U.S. Office of Foreign Assets Control (where applicable)
3.4 Information Security and Privacy Certifications
CY.TALK SWITZERLAND S.A. holds the following internationally recognised certifications, independently audited and verified by accredited third-party certification bodies:
ISO/IEC 27001 – Information Security Management System (ISMS): Confirms that information security risks are managed through documented controls, policies, and continuous improvement processes.
ISO/IEC 27701:2019 – Privacy Information Management System (PIMS): An extension of ISO 27001 that specifically addresses the management of personally identifiable information (PII).
4. Legal Documents
The following legal documents govern your use of the CY.SEND platform and services:
| Document | Scope & Purpose |
|---|---|
| Website Terms of Use | General website access, browsing, account registration, SND currency, and acceptable use rules. |
| Service Terms | B2B service agreements, merchant obligations, API access, e-gift card reseller terms, and fraud prevention. |
| Privacy Policy | Data collection, processing, storage, and your rights under Swiss FADP and EU GDPR. |
| Cookies Policy | Use of cookies, tracking technologies, and your consent choices. |
| Cashback Club Terms | SND loyalty points program, Standard and Premium membership tiers, earning and redemption rules. |
| Refund, Cancellation & Delivery Policy | All-sales-final policy, digital delivery process, failed delivery credits, and consumer rights by region. |
5. Intellectual Property
5.1 Ownership
All intellectual property rights in the CY.SEND platform, including the website, software, APIs, documentation, logos, trademarks, and all content, are owned by CY.TALK SWITZERLAND S.A. or its licensors. All rights are reserved.
5.2 Trademarks
"CY.SEND," "CY.TALK," "SND," and related logos and brand elements are registered trademarks or trademarks of CY.TALK SWITZERLAND S.A. in Switzerland and other jurisdictions. Unauthorized use of these trademarks is strictly prohibited.
5.3 Third-Party Trademarks
All third-party brand names, logos, and trademarks displayed on the CY.SEND platform are the property of their respective owners. Their display on our platform does not imply any endorsement, sponsorship, or affiliation with CY.SEND beyond the authorized reseller relationship.
6. Dispute Resolution
6.1 Contact Us First
For all inquiries, please visit our Contact Us page. We will endeavour to resolve your issue promptly and fairly.
6.2 Governing Law
All legal relationships between CY.TALK SWITZERLAND S.A. and its users are governed by the laws of Switzerland, without regard to conflict of law principles.
6.3 Jurisdiction
Any disputes arising out of or in connection with the use of the CY.SEND platform shall be submitted to the exclusive jurisdiction of the courts of Geneva, Switzerland.
6.4 EU Alternative Dispute Resolution
For customers in the European Union, you may also seek resolution through alternative dispute resolution (ADR) mechanisms available in your country of residence. Please note that CY.SEND is not obligated to participate in ADR proceedings before a consumer arbitration board, but will consider such requests on a case-by-case basis.
7. Hosting and Technical Information
7.1 Website Hosting
The CY.SEND website and platform are hosted on secure servers with industry-standard security measures, including SSL/TLS encryption for all data transmissions.
7.2 Availability
We strive to maintain the availability of our platform on a best-efforts basis. However, we do not guarantee uninterrupted access and may perform scheduled or emergency maintenance as needed.
7.3 Security and Certifications
We implement appropriate technical and organisational measures to protect the security of our platform and your data, in accordance with our ISO/IEC 27001 and ISO/IEC 27701:2019 certified management systems. All data is stored exclusively in Switzerland in our own Tier 3 private data centre. For details on our data security and privacy practices, please refer to our Privacy Policy.
