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All Cards are issued by Paysafe Payment Solutions Limited as an affiliate member of Paysafe Financial Services Limited in selected countries pursuant to a licence from Mastercard International. 3 By accepting these Terms of Use and using the NETELLER Service you acknowledge that i we are not a bank and your Account is not a bank account; ii Accounts are not insured by any government agency; iii we do not act as a trustee, fiduciary or escrow holder in respect of balances in your Account; and iv we do not pay you interest on any balances in your Account.

4 Electronic money accounts are not bank accounts. However, we strictly adhere to the legal requirements under the European Communities Electronic Money Regulations 2011 which are designed to ensure the safety and liquidity of funds deposited in electronic money accounts. A list of non- serviced countries is available on our Website which may be amended by us from time to time, without notice. 1 If you reside in a supported country, you may apply for a Card once your Account has been verified in accordance with section 6.

a at restaurants You may be required to have a maximum of 20 more on Your Card than the value of the bill to allow for any service charge added by the restaurant. b at pay at pump petrol pumps if applicable You may be required to have an amount equal to the maximum Transaction value permitted at the pump in Your Card Account. Within ten 10 Business Days of receiving a request for a refund or, where applicable, of receiving any further information we requested from you, we will either refund the full amount of the payment or provide you with justification for refusing to refund the payment indicating that you have a right to refer the matter to the Financial Services and Pensions Ombudsman FSPO if you do not accept the justification provided.

A Third party providers. We may refuse to allow a Third Party Provider to access your Account if we are concerned about unauthorised or fraudulent access by that Third Party Provider. If you want to cancel the consent you have given to a Third Party Provider to access your account you should contact them directly 6. prejudice to the generality of the previous sentence, you agree and acknowledge that you are prohibited from. 1 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 ammunitionsatellite and cable TV descramblers, pornography, adult material, material which incites violence, hatred, racism or which is considered obscene, government IDs and licences including replicas and novelty items iq option últimas notícias any counterfeit products, unlicensed or illegal lotteries or gambling services including without limitation the use of or participation in illegal gambling housesunregistered charity services, items which encourage or facilitate illegal activities, prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to purchases of particular products or services, third party processing or payment aggregation products or services, multi-level marketing, pyramid selling or ponzi schemes, matrix programmes or other get rich quick schemes or high yield investment programmes, goods or services that infringe the intellectual property rights of a third party, un-coded miscoded gaming, timeshares or property reservation payments On and Off Plan.

2 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. 3 You may not use our services if you are residing in certain countries. 4 It is strictly forbidden to use your Account for any illegal purposes including but not limited to fraud and money laundering.

5 You may only accept payments for certain categories of business after approval from us in our sole discretion. 6 If you conduct or attempt to conduct any transaction in violation of the prohibitions contained in this section 14 or without the necessary approval under section 14. 7 It is your and not our responsibility to ensure that you only send payments to or receive payments from persons or entities for the sale or supply of goods and services that you may provide or receive in compliance with any applicable laws and regulations.

If you want to access your transaction history after the closure of your Account, you will need to contact the Customer Contact Centre and request the information. 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 in your Account.

11 if we believe that your Account, whether active or dormant, or your conduct, poses a security, credit, fraud, business, or reputational risk to us. 5 abuse by you of the reversal or charge back process provided by your bank or credit card company or any similar behaviour where Upload is de-authorised, reversed or cancelled after having authorised a Payment or Withdrawal of those funds. 8 IMPORTANT NOTE Due to the effect of applicable law it may not be possible to reclaim any funds more than six years after your Account has been terminated.

We recommend that you reclaim any funds in your Account as soon as possible after the Account is closed. 1 where the unauthorised payment arises from your failure to keep your Account ID information safe in accordance with section 13 of these Terms of Use, in which case you shall remain liable for the first 50 EUR or equivalent in the currency of your Account unless section 17.

4 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. 6 Unless you have acted fraudulently, section 17. 7 Without prejudice to the foregoing, you are asked to check the transactions history of your Account regularly and frequently and to contact the Customer Contact Centre immediately in case you have any questions or concerns.

8 In the case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments. 9 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, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected.

10 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. 12 We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from your use of the Account, the Card or services provided in these Terms of Use. 13 Re-imbursement. 11 Nothing in these Terms of Use 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.

14 Notwithstanding 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, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected.

15 Our obligation under these Terms of Use is limited to providing you with an electronic money account, the Card and related payment services and we do not make any statement in relation to or endorsement of the quality, safety or legality of any goods or services provided by a NETELLER customer or intermediary. 16 We confirm that Paysafe Payment Solutions Limited retains all right, title, and interest in and to all trademarks, trade names, logos, Website designs, text, content and graphics, and other intellectual property rights used by us in relation to the NETELLER Service and any use, reproduction, modification, or distribution by you of such trademarks, trade names, logos, Website designs, text, content, graphics, or other intellectual property rights, is prohibited.

2 We endeavour to provide you with an answer or resolution to your complaint within the timeframes as outlined by the Financial Services and Pensions Ombudsman FSPO. 3 If your complaint is not resolved to your satisfaction, you may contact the Financial Services and Pensions Ombudsman FSPOLincoln House, Lincoln Place, Dublin 2 or at www. We may engage the services of one or more affiliates, holding companies, subsidiaries, agents or subcontractors in order to fulfil our obligations.

2 These Terms of Use shall be governed by the laws of Ireland. All disputes arising out of or relating to these Terms of Use shall be subject to the jurisdiction of the courts of Ireland. Last updated 17 October 2019. Thank you for choosing Luno. The Terms constitute a legally binding agreement between you and Luno Pte. com or any associated mobile applications, website, or APIs together, the Luno Site. The following Terms and Conditions and the Privacy policy together, the Terms apply to any person that registers for and or opens a Luno Account through Luno.

Know the rules for using Luno.which is a company incorporated under the laws of Singapore. For further information on Luno Pte.and its operating subsidiaries, please see the Company Information page on the Luno website. For the purposes of these Terms, any reference to we us our Luno and or any similar term shall be construed as reference to Luno Pte. By registering for and opening a Luno Account, you unconditionally accept these Terms and agree to be bound by and act in accordance with them.

You also accept and agree that you are solely responsible for understanding and complying with all laws, rules, regulations and requirements of the jurisdiction in which you live that may be applicable to your use of the Luno Site and or your Luno Account, including but not limited to, those related to export or import activity, taxes or foreign currency transactions. Depending on your country of residence, you may not be able to use all the functions of the Luno Site.

Please read these Terms carefully before using the Luno Site because they affect your legal rights and obligations. AMENDMENT OF TERMS. Luno may amend the Terms from time to time. You should visit the Luno website regularly to check when the Terms were last updated as displayed at the top of this document and to review the current Terms.

We will do our best to notify you of any amendments to the Terms that we consider likely to materially affect your rights and obligations. Any such notice will be posted on the Luno Site, or sent by email to the address associated with your Luno Account see Electronic Communications. The continued use of your Luno Account, after any amendment to these Terms, constitutes your acceptance of the Terms, as modified by such amendment. If you do not accept the Terms, or any amendment to them, you must immediately stop using the Luno Site and your Luno Account.

By opening a Luno Account, you expressly warrant and represent that. You are 18 years of age or over and have full capacity to accept the Terms and enter any transaction available through the Luno Site; You will not open, or attempt to open, a Luno Account under any name except your own; or use your Luno Account to carry out transactions on behalf of a third party; You will follow the Luno Business account application process if you seek to open and use a Luno Account for a non-individual legal entity e.

a company, trust or partnership ; You will not have more than one Luno Account; use or access any Luno Account other than your own; or assist any other person in obtaining unauthorised access to any Luno Account; You will provide security for transactions carried out through your Luno Account by ensuring there is sufficient Local Currency or cryptocurrency as the case may be in your Luno Account in advance of any transaction; You will not allow or facilitate the deposit of Local Currency into your Luno Account unless that deposit is made in accordance with the Deposit Requirements see Deposits ; You will not allow or facilitate the withdrawal of Local Currency from your Luno Wallet to a bank account held in the name of a third party see Withdrawals ; You will not use your Luno Account for or in relation to any illegal activity, any Prohibited Activity, in violation of any laws, statutes, ordinances or regulations, or in breach of Luno s Export Controls and Sanctions requirements; You are not a national or resident of the United States of America.

Any capitalised terms used in this Eligibility section shall have the meaning given to them in these Terms. Reference in these Terms to Local Currency means fiat or government issued currency e. By opening a Luno Account you accept and agree that Luno may, without further notice and in its sole discretion, terminate, suspend or restrict the account of any customer who uses, or who we reasonably suspect may be using, the Luno Site or any Luno Account in a manner that is inconsistent with the letter or spirit of these Terms.

Before using the Luno Site, you should ensure that you understand the risks involved in buying, selling or trading cryptocurrencies. Cryptocurrency markets can be volatile and prices can fluctuate significantly, which could result in sudden and significant increases or decreases in the value of your assets. This market volatility and other risks involved in buying, selling or trading cryptocurrencies are explained on the risk warning page of the Luno website.

There may be additional risks not identified in these Terms or in the risk warning. You should carefully assess whether your financial situation and risk tolerance is suitable for buying, selling or trading cryptocurrency. You accept and agree that you are solely responsible for any decision to buy, sell, trade or otherwise hold or deal with cryptocurrency. You accept and agree that.

any communications, agreements, notices and or any other documents together Communications relating to your Luno Account or your use of Luno s services will be provided to you electronically by posting them on the Luno Site, emailing them to the email address you have provided to us, or through any other form of electronic communication. You consent to receiving all Communications electronically; you will at all times have available to you the necessary hardware and software to receive, access and retain Communications sent to you electronically, including a device with an internet connection and a valid and accessible email address; you assume full responsibility for providing Luno with a valid and accessible email address to which any Communications may be sent, and for ensuring that email address and any other contact information is kept up to date.

Any Communication sent to the email address you have provided to us will be deemed to have been received by you. You can amend your contact information by signing-in to your Luno Account and accessing the Settings page. You may at any time withdraw your consent to receiving Communications electronically by contacting email protected. You acknowledge that failure to give, or withdrawing, consent to receiving Communications electronically puts the security of your Luno Account at risk see Account Security and that Luno reserves the right to close your Luno Account in the event you fail to give, or withdraw, your consent to the receipt of Communications electronically.

Luno implements and maintains the highest standards of Know Your Customer KYC processes and controls as part of our commitment to combating fraud and assisting in the prevention of money laundering and terrorist financing. While our industry is largely unregulated, Luno voluntarily adheres to local and international compliance standards in relation to customer due diligence, as explained on the Compliance page of the Luno website. To ensure we meet these standards, our customers are required to provide certain personal details and documents when opening a Luno Account Identity Verification.

The nature and extent of the Identity Verification required will depend upon which of our supported countries you are resident in, and the deposit and withdrawal limits that you wish to apply to your Luno Account. In certain circumstances, Luno may also perform enhanced due diligence EDD procedures in relation to your Luno Account. You accept and agree that you will remain subject to such procedures at all times.

Luno reserves the right to, at any time. restrict or suspend your Luno Account when we, in our sole discretion, consider it necessary to carry out further Identity Verification and or EDD; or terminate your Luno Account if you provide, or we suspect you have provided, false information or refuse to provide information we require for Identity Verification and or EDD. You accept and agree that there may be delays in accessing your Luno Account, or in carrying out transactions through your Luno Account, while we undertake any Identity Verification and or EDD procedures.

Retention of information. Luno is required to retain certain information and documentation obtained as part of the Identity Verification and EDD procedures. These requirements apply even when you have terminated your relationship with Luno. We reserve the right to keep such information and documentation for the required period and you accept and agree that information and documentation you provide to Luno may be retained by us, including following the closure of your Luno Account. THE LUNO WALLET.

The Luno Wallet allows you to send, receive and store cryptocurrency together, Luno Wallet Transactions. The Luno Wallet is only available in relation to the cryptocurrencies that Luno, in its sole discretion, decides to support Supported Cryptocurrency or Supported Cryptocurrencies. Information about the Supported Cryptocurrencies can be found on the Supported Cryptocurrency page on the Luno website.

The Supported Cryptocurrencies may change from time to time. Under no circumstances should you attempt to carry out a Luno Wallet Transaction in relation to a cryptocurrency other than a Supported Cryptocurrency. In particular, but without limiting the generality of the foregoing, you accept and agree that you will have no access, entitlement or claim. to any cryptocurrency sent to a receive address associated with your Luno Wallet where that cryptocurrency is not a Supported Cryptocurrency; or to any cryptocurrency sent to a receive address associated with your Luno Wallet, where that receive address is associated with another cryptocurrency.

For example, you will have no access, entitlement or claim to any Bitcoin Cash BCH sent to a Bitcoin BTC receive address. Local Currency in your Luno Wallet. Local Currency deposited into your Luno Wallet see Deposits is solely for 1 the purchase of Supported Cryptocurrencies and or 2 Withdrawal to an approved bank account see Withdrawals. In certain countries we may also allow you to purchase specific goods and or services from selected third parties using your Local Currency balance.

Proceeds from the sale of Supported Cryptocurrencies will be credited to your Local Currency Luno Wallet, less any applicable fees as explained in Fees, and on the Fees and Features page of the Luno website. Luno does not pay interest on Local Currency or Supported Cryptocurrency balances held in your Luno Wallet.

Transaction instructions. You accept and agree that any such purchase will be subject to these Terms. Luno will process Luno Wallet Transactions according to your instructions. You accept and agree that Luno does not. guarantee the identity of any user, receiver, or other party to a Luno Wallet Transaction. You are solely responsible for ensuring all transaction details are correct, and you should carefully verify all transaction information prior to submitting transaction instructions to Luno; have any control over, or any liability in relation to, the delivery, quality or any other aspect of any goods or services that you may buy from or sell to any third party.

Luno shall not be responsible for, and will take no action in relation to, ensuring that any buyer or seller you transact with using your Luno Wallet completes the relevant transaction or has the requisite authority to do so. Receiving cryptocurrency. You may receive Supported Cryptocurrency into your Luno Wallet by providing the sender with a receive address generated in your Luno Wallet. Your Luno Wallet will only be credited with Supported Cryptocurrency sent to a receive address generated through your Luno Wallet and associated with that Supported Cryptocurrency.

For example, your Luno Wallet will be credited with ETH when it is sent to an ETH receive address generated through your Luno Wallet. Funds received in error. In the event you know, suspect, or should reasonably know or suspect, that any Local Currency or cryptocurrency has been credited to your Luno Wallet or to any bank account in error, you must immediately notify Luno of the error by submitting a ticket through the Help Centre. You accept and agree that you have no claim or entitlement to any Local Currency or cryptocurrency received in error, and must immediately return such funds in accordance with the instructions received from Luno.

Where your identity has been verified in accordance with the Identity Verification requirementsyou may deposit Local Currency into your Luno Wallet by depositing funds into a Luno bank account a Deposit. The Luno bank account into which you make a Deposit will be a segregated account used exclusively for the purpose of holding and processing customer funds. Subject to these Terms, you retain a right to any funds you deposit into the Luno bank account until such time as your funds are used or withdrawn.

Details of the Luno bank account into which you must make the Deposit will be provided to you by Luno, and any such bank account will be held and operated by a Luno operating entity in your country or region for more information on these entities, see the Company Information page on the Luno website. You accept and agree that any information you provide to Luno may be shared with such local entity, which will process Local Currency transactions in accordance with Luno s instructions.

The payment methods by which you may Deposit Local Currency will depend upon the country you are in, and are set out on the Fees and Features page of the Luno website for the purposes of these Terms, the Supported Deposit Methods. Where you have made a Deposit using a Supported Deposit Method, and have adhered to the Deposit Requirements explained belowyour Deposit will be allocated to your Luno Wallet.

Due to legal and operational constraints, you must strictly adhere to the following Deposit requirements the Deposit Requirements. you may only make a Deposit from a Supported Deposit Method held in your own name. You must not allow any third party to make a Deposit into your Luno Wallet; you may only Deposit Local Currency using a Supported Deposit Method compatible with the deposit methods available in your country or region; except in the case of a SEPA transfer, you may only make Deposits denominated in the Local Currency associated with your Luno Wallet.

For example, if you have a ZAR wallet, you must only make Deposits in South African Rand; where you make a Deposit using a credit or debit card, you authorise Luno to facilitate the debiting of the funds from your bank account in order to complete the Deposit; you must not use cash or cheques to make a Deposit. Luno reserves the right to refuse any Deposit made by cash or cheque.

Should Luno decide, in its sole discretion, to allow a Deposit by cash or cheque on an exceptional basis, the allocation of such Deposit will be delayed to allow fraud and compliance checks to take place, and a Cash Deposit Penalty see the Fees and Features page of the Luno website may be deducted from it. Any Luno Account that receives more than one cash or cheque deposit may, at Luno s sole discretion, be suspended indefinitely.

You agree to abide by the Deposit Requirements and agree and accept that failure to do so may cause delay in or failure of any Deposit reflecting in your Luno Wallet, and or restriction, suspension or termination of your Luno Account. Allocation of deposits. When you request to make a Deposit through your Luno Wallet, you will be provided with a Reference Number or Unique Deposit Amount.

To permit timely and successful allocation of a Deposit to your Luno Wallet, you must use the Reference Number or Unique Deposit Amount when you make a deposit using a Supported Deposit Method. Luno will not be responsible for any delay in or non-allocation of Deposits to your Luno Wallet where you fail to specify the required Reference Number or Unique Deposit Amount.

Deposits may take time to reflect in your Luno Wallet due to bank processing times, operational processes, and or failure by you to adhere to the Deposit Requirements. Under no circumstances will Luno have any liability to you in relation to any delay in or failure of a Deposit reflecting in your Luno Wallet. Luno will make all reasonable efforts to allocate Deposits that do not meet the Deposit Requirements.

However, any Deposits less than the Minimum Unallocated Deposit Amount that cannot be allocated within a one month period will be retained by Luno and you accept and agree that you shall have no further claim or entitlement to such funds. The Minimum Unallocated Deposit Amount shall until otherwise determined by Luno be USD10. 00 or the equivalent in your Local Currency.

Where you have added your bank account details to your Luno Account, you may withdraw funds from your Luno Wallet to your bank account a Withdrawal. Luno will process Withdrawals in accordance with your instructions. You are solely responsible for ensuring that any Withdrawal instructions provided to Luno, including the relevant bank account number, are complete and correct and you accept and agree that under no circumstances will Luno be under any obligation to reverse or amend any Withdrawal.

Luno will make all reasonable efforts to process Withdrawals each business day, in accordance with the Deposit and Withdrawal Schedule on the Luno website, but you accept and agree that Luno provides no guarantee in relation to the Withdrawal processing period. Withdrawals to the bank account of any third party are expressly prohibited. You agree not to make, or attempt to make, any Withdrawal of funds from your Luno Wallet to the bank account of a third party and accept that any such Withdrawal may be refused and or result in the restriction, suspension or termination of your Luno Account.

INSTANT BUY OR SELL. Luno Wallet holders may use the Instant Buy or Sell service to buy or sell a chosen amount of Supported Cryptocurrency at the quoted exchange rate. In using the Instant Buy or Sell service, you accept and agree that. When you make an Instant Buy or Sell order, Luno will match your order with open orders on the Luno Exchange or other cryptocurrency exchanges available to us. Luno will facilitate the trade, in accordance with your instructions; Luno is not acting as your broker, intermediary, agent, adviser or in any fiduciary capacity and no information or communication provided to you by Luno in relation to an Instant Buy or Sell transaction will constitute advice; when you place an order to buy or sell Supported Cryptocurrency, we will provide you with a quoted exchange rate.

Luno is unable to, and will not, specify the percentage of the quoted exchange rate that reflects Luno s facilitation of the relevant trade, as it will vary with market conditions. The quoted exchange rate may differ from rates seen elsewhere on the Luno site, or on external sources, and you acknowledge that the quoted exchange rate is the rate that will apply to your order; By proceeding with your Instant Buy or Sell transaction, you confirm that you accept the quoted exchange rate, including its components; a volume limit per transaction will apply to any Instant Buy or Sell order see the Fees and Features page of the Luno website ; and Luno does not guarantee the availability of, or that there will be no delays or interruptions in or to, the Instant Buy or Sell service.

Before confirming any Instant Buy or Sell transaction, you must ensure that the amount of Supported Cryptocurrency to be bought or sold is correct and that you agree to the quoted exchange rate. Luno cannot reverse an executed order. Luno shall have no liability to you in connection with any delay in or non-completion of an Instant Buy or Sell transaction. Luno reserves the right to delay or refuse any Instant Buy or Sell transaction if, in our sole discretion, we perceive there to be a risk of fraud or illegal activity, or where we have reasonable grounds on which to suspect an error may have been made.

THE LUNO EXCHANGE. The Luno Exchange is an order book exchange platform for cryptocurrencies that is intended for use by customers with experience in and or knowledge of similar platforms. Any person using the Luno Exchange does so entirely at their own risk. The Luno Exchange is not offered to customers in all jurisdictions. This section of the Terms applies to you if you access and or use the Luno Exchange.

In accessing and or using the Luno Exchange for any purpose, you agree and accept that. all trades executed on the Luno Exchange are executed automatically, based on the parameters of your order instructions, and cannot be reversed. In the case of technical issues affecting Luno s internal systems, Luno may, where possible and in its sole discretion, take steps to reverse or otherwise amend a trade; all trading on the Luno Exchange is subject to Luno s fee structure, as set out on the Fees and Features page of the Luno website.

By using the Luno Exchange, you accept and agree to all applicable fees; Luno makes no guarantee that the Luno Exchange will be available without interruption; that there will be no delays, failures, errors, omissions or loss of transmitted information; or that any order will be executed, accepted, recorded, or remain open. Luno may, at any time and in our sole discretion, refuse any trade, impose limits on the trade amount permitted, or impose any other conditions or restrictions upon your use of the Luno Exchange that we deem necessary.

We may, for example, limit the number of open orders that you may establish or restrict trades from certain locations. Luno reserves the right to take such action without prior notice. Special note for our Malaysian customers. Luno has implemented a circuit breaker on the Luno Exchange operated in Malaysia the Circuit Breaker. You agree and accept that. In the event of significant volatility, a circuit breaker will be triggered. Any trades you make when the circuit breaker has been triggered will move to post-only mode until the volatility has passed.

In post-only mode, you cannot submit market orders or limit orders. In post-only mode, you may cancel existing orders and submit post-only limit orders. The fees applicable to transactions undertaken on the Luno Site can be viewed on the Fees and Features page of the Luno website. Luno reserves the right to change our fees at any time and will update the Fees and Features page accordingly. In certain circumstances, and at our sole discretion, Luno may notify selected customers of a specific fee change, where we consider a change to be of particular relevance to such customers.

Send and Receive fees. You may be charged a fee to send Supported Cryptocurrency from your Luno Wallet and or to receive Supported Cryptocurrency into your Luno Wallet. Fees will apply where Supported Cryptocurrency is sent to or received from a Supported Cryptocurrency address e. a Bitcoin address ; no fees will apply where Supported Cryptocurrency is sent to or received from a mobile telephone number or email address.

Please see the Fees and Features page of the Luno website for further information on send and receive fees. All Withdrawals from your Luno Wallet will incur a fee. Such fees differ by country and are set out on the Fees and Features page of the Luno website. Some Deposits made using a Supported Deposit Method may incur a fee, as set out on the Fees and Features page. Such fees will be displayed in your transaction history upon completion of the transaction.

Instant Buy and Sell fees. The quoted exchange rate in relation to any buy or sell order placed using the Instant Buy and Sell service will include an amount to reflect Luno s facilitation of the relevant trade, the percentage of which will vary with market conditions see Instant Buy or Sell. Luno applies a Maker Taker fee structure for customers using the Luno Exchange, which is explained in the Luno Help Centre.

Please consult the Fees and Features page of the Luno website for further information on applicable Maker and Taker fees. Luno will, at the time of any transaction on the Luno Exchange, notify you of any fees that will apply to the transaction. By proceeding with any transaction, you accept and agree to the applicable fees. Such fees will also be displayed in your transaction history upon completion of the transaction.

ACCOUNT SECURITY. Luno takes security very seriously and the measures we have in place to protect your Luno Account are explained on the Security page of the Luno website. However, you are solely responsible for. maintaining adequate security and control over your Luno Account sign-in details, including but not limited to any passwords, personal identification numbers PINsAPI keys, or any other codes associated with your Luno Account; enabling any additional security features available to you, including the activation of two factor authentication on your Luno account see the Luno Help Centre ; keeping your contact details up to date so that you can receive any notices or alerts we may send to you in relation to security see Electronic Communications ; maintaining security and control over the email mailbox, phone number and two-factor authentication applications or devices associated with your Luno Account.

Failure to take the above measures, and any other security measures available to you, may result in unauthorised access to your Luno Account and the loss or theft of any cryptocurrency and or Local Currency balances held in your Luno Wallet or any linked bank account s and or saved credit or debit card s. Luno shall have no liability to you for or in connection with any unauthorised access to your Luno Account, where such unauthorised access was due to no fault of Luno, and or any failure by you to act upon any notice or alert that we send to you.

The security of your Luno Account may be compromised, or interruption caused to it, by phishing, spoofing or other attack, computer viruses, spyware, scareware, Trojan horses, worms or other malware that may affect your computer or other equipment. Luno strongly recommends that you regularly use reputable virus screening and prevention software and remain alert to the fact that SMS, email services and search engines are vulnerable to spoofing and phishing attacks.

com, and not any other domain name or website purporting to be, or to be related to, Luno to review any transactions or required actions. To the maximum extent permitted by applicable law, you accept and agree that you have full responsibility for all activity that occurs in or through your Luno Account and accept all risks of any unauthorised or authorised access to your Luno Account. Private keys. Luno securely stores all Supported Cryptocurrency private keys Private Keys associated with any Luno Account.

You accept and agree that Luno shall retain full ownership and control of the Private Keys associated with your Luno Account and that you iq option últimas notícias have no control of, access to, or the ability to use, such Private Keys. For example, but without limiting the generality of the foregoing, Luno will not. accept or adhere to any instruction to sign any data with a Private Key; give access to any funds associated with your private keys, other than those of the Supported Cryptocurrency associated with your cryptocurrency wallet; allow the creation of any receive addresses associated with a Private Key other than receive addresses created through your Luno Wallet.

Luno will not credit to your Luno Wallet any cryptocurrency associated with a Private Key other than where such funds have been received via a receive address generated through your Luno Wallet. While we will do everything we can to provide continuous operations, Luno does not provide any warranty in relation to the availability of the Luno Site or your Luno Account.

Without limiting the generality of the foregoing, we do not guarantee continuous access to the Luno Site or your Luno Account and make no representation that the Luno Site, Luno API, your Luno Account and or any products or services offered therein will be available without interruption; or that there will be no delays, failures, errors, omissions or loss of transmitted information.

TRANSACTIONS ON CRYPTOCURRENCY NETWORKS. When you use your Luno Account to send or receive cryptocurrency, the transaction must be confirmed and recorded in the public ledger associated with the relevant cryptocurrency network e. the Bitcoin network or the Ethereum network. That cryptocurrency network is solely responsible for verifying and confirming any such transactions. Luno cannot confirm, cancel or reverse transactions on a cryptocurrency network, other than confirming to you that the network has completed the transaction.

Once submitted to a cryptocurrency network, a transaction will be unconfirmed for a period of time pending sufficient confirmation of the transaction by the network. A transaction is not complete while it is in a pending state. Funds associated with transactions that are in a pending state will be designated accordingly, and will not be included in your Luno Wallet balance or be available to you to conduct transactions; When you send cryptocurrency from your Luno Account, you are authorising us to submit your transaction request to the relevant cryptocurrency network.

Once a transaction request has been submitted to the relevant cryptocurrency network, the network will automatically complete or reject the request and neither you or Luno will be able to cancel or otherwise modify your transaction. Cryptocurrency networks are operated by decentralised networks of independent third parties. They are not owned, controlled or operated by Luno so we cannot ensure that any transaction details you submit will be confirmed by the relevant cryptocurrency network.

You agree that any transaction details you submit may not be completed, or may be substantially delayed, by the cryptocurrency network used to process the transaction. Network protocols and operating rules. The underlying software protocols that govern the operation of the Supported Cryptocurrencies are open source.

Accordingly, anyone can use, copy, modify, and distribute them and Luno has no ownership of or control over these protocols. By using the Luno Site, you accept and agree that. Luno is not responsible for the operation of any cryptocurrency network s underlying software protocols and makes no guarantee as to their availability, security, or functionality; the underlying software protocols are subject to sudden changes in operating rules known as forksand that such forks may materially affect the value, function, and or name of any cryptocurrency you store in your Luno Account.

Should a fork occur, Luno may, with or without notice to you, temporarily suspend our operations and, in our sole discretion, decide whether or not to support either branch of the forked protocol entirely; and in the event Luno decides not to support a branch of a forked protocol, you will not be given access to the assets on that fork. Those assets will be securely held by Luno and we will not buy or sell them.

Local Currency deposited into your Luno Wallet may only be used for the purchase of Supported Cryptocurrencies and or Withdrawal to an approved bank account see The Luno Wallet. You must not use your Luno Wallet for the purpose of storing Local Currency. Where any Local Currency in your Luno Wallet is not used for a period exceeding three months, Luno may charge and obtain from you an Inactivity Fee of USD2.

00 per month or the equivalent in your Local Currencywhich shall be collected from the Local Currency held in your Luno Wallet. Should we have reasonable grounds on which to suspect you are using your Luno Wallet primarily for the purpose of storing Local Currency, Luno reserves the right to restrict, suspend or terminate your Luno Account. Unclaimed property. In the event any funds are held in your Luno Wallet s and Luno has no record of any use of your Luno Account for several years, and we are unable to contact you, the law in your jurisdiction may require us to report and deliver such funds to the relevant authorities as unclaimed property.

To the extent permitted by applicable law, Luno reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds. CLOSURE OF YOUR ACCOUNT. You may close your Luno Account by submitting a closure request via the Help Centre. Luno will action such requests once i the sum of all Local Currency and cryptocurrency balances in your Luno Wallet s is below the Minimum Closure Amount; and ii no transactions have taken place in your Luno Account for a period of at least 30 days.

Such requirements are designed to protect you from loss and Luno will not action a closure request until they are satisfied. You accept and acknowledge that, once your Luno Account is closed. you will have no further access to it; Luno will be under no obligation to notify you of, or provide to you, any cryptocurrency sent to any receive address associated with your Luno Account; and Luno reserves the right but has no obligation to delete all of your information and account data stored on our servers, and also reserves the right to retain any information that is required for legal or operational reasons.

If at the date of closure of your account any Local Currency or cryptocurrency remains in your Luno Wallet s i. funds amounting to less than the Minimum Closure Amountyou accept and agree that Luno shall retain such funds and that you shall have no further claim to them. The Minimum Closure Amount shall be USD10. You accept and agree that Luno shall not be liable to you or any third party in relation to the closure of your Luno Account, the termination of access to your Luno Account, or for the deletion of your information or Luno Account data.

RESTRICTION, SUSPENSION AND TERMINATION. Luno reserves the right to restrict, suspend or terminate your Luno Account where. we reasonably suspect your Luno Account to be the subject of an operational or other error, in which case we may be required to suspend access to your account until such time as the error is rectified; we reasonably suspect your Luno Account has been or is being used in relation to any unlawful, fraudulent or Prohibited Activity, or in breach of these Terms; we reasonably suspect you or your Luno Account is or has been associated with, or poses a high risk of, money laundering, financing of terrorism, fraud, or any other financial crime; we reasonably suspect you of taking any action that Luno considers to be a circumvention of Luno s controls, including but not limited to opening multiple Luno Accounts; we reasonably suspect your involvement in any attempt to gain unauthorised access to any Luno Account; your Luno Account is or appears to be the subject of any legal, regulatory or government process and or we, in our sole discretion, consider there to be a heightened risk of legal or regulatory non-compliance associated with your Luno Account; we are compelled to do so by a prima facie valid subpoena, court order, or other binding order of a government or regulatory authority; or your name appears on a government or international body sanctions list.

Luno will make all reasonable efforts to provide you with notice of any decision to restrict, suspend or terminate your Luno Account, unless we are prevented from doing so by any legal or regulatory process or requirement, or where doing so may compromise Luno s security and or risk management procedures. You accept and agree that Luno is under no obligation to disclose to you the fact of or reason for any decision to restrict, suspend or terminate your Luno Account, and shall have no liability to you in connection with the restriction, suspension or termination of your Luno Account.

Account termination. Where Luno elects to terminate your Luno Account in accordance with the above, we shall except where legally obligated not to return your available cryptocurrency and or Local Currency balances to you pursuant to the procedure set out below. If you have an available balance of Supported Cryptocurrency in your Luno Account above the Minimum Threshold, we will liquidate the cryptocurrency and deposit the value realised from the liquidation into your Local Currency wallet.

The Minimum Threshold is USD10. 00, or its equivalent in any applicable Supported Cryptocurrency calculated on the day on which the liquidation is performed. We will not send your Supported Cryptocurrency to an alternative cryptocurrency wallet address. Any risk of a negative exchange rate fluctuation shall rest with you and you shall have no claim against Luno for any losses you may suffer as a result of the liquidation of your available balance of Supported Cryptocurrency.

Local Currency. We shall return to you an amount no greater than the cumulative value of all Local Currency Deposits to your Luno Account, where applicable. Payment shall only be made to you following submission to us of valid bank account details in your name. We shall not transfer Local Currency to any bank account in the name of a third party.

USE OF LUNO API. This section 19 applies to any use of Luno s Application Programming Interface and any associated documentation or materials together, the Luno APIsee the Luno API page of the Luno website. Any use of the Luno API is subject to this section and, for the avoidance of doubt, the Terms in their entirety. Any use of the Luno API is entirely at your own risk. It is your responsibility to keep any API keys, passwords or other credentials relating to your use of the Luno API secure, and you accept and agree that you take full responsibility for any and all requests made over the API, whether authorised by you or not.

Luno sets and enforces limits on your use of the Luno API e. limiting the number of requests per second. You accept and agree that any circumvention of, or attempt to circumvent, these limits, or any use of the Luno API that may adversely affect other users of the Luno Site, may result in Luno, at its sole discretion, revoking your API access. Where market data is provided to you through the Luno API, you are not permitted to redistribute or sell such data without the prior written consent of Luno.

Under no circumstances does any information contained on the Luno Site, or provided to you through your Luno Account or by any employee, agent or affiliate of Luno, constitute financial, investment or other professional advice. You are solely responsible for any decision to store, buy or sell cryptocurrency, and such decision should take into account your risk tolerance and financial circumstances. For more information on the risks involved, see Risks and the Risk Warning on the Luno website.

You should consult your legal or tax professional in relation to your specific situation. You are solely responsible for determining whether, and to what extent, any taxes apply to any transactions you carry out through your Luno Account, and for withholding, collecting, reporting and remitting the correct amounts of tax to the appropriate tax authorities. EXPORT CONTROLS AND SANCTIONS.

Your use of the Luno Site is subject to international export controls and economic sanctions requirements. By undertaking any activity on the Luno Site or through your Luno Account, including but not limited to sending, receiving, buying, selling, storing or trading any cryptocurrency, you agree that you will at all times comply with those requirements. In particular, and without any limitation to the generality of the foregoing, you may not open, use, or have access to any Luno Account if.

you are in or under the control of, or resident of, any country subject to United States embargo, UN sanctions, the HM Treasury financial sanctions regime, or if you are on the U. Treasury Department s Specially Designated Nationals List or the U. Commerce Department s Denied Persons List, Unverified List, Entity List, or HM Treasury s financial sanctions regime; or you intend to supply any acquired or stored cryptocurrency, or transact with people or businesses operating in any country subject to United States embargo or HM Treasury s financial sanctions regime, or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List, Entity List, or HM Treasury s financial sanctions regime.

PROHIBITED ACTIVITIES. You must not use your Luno Account to undertake any of the activities or categories of activity set out in this section each a Prohibited Activity. violation of any laws, statutes, ordinance or regulations; undertaking, facilitating or supporting criminal activity of any kind, including but not limited to, money laundering, terrorist financing, illegal gambling operations or malicious hacking; abusive activity, including but not limited to imposing an unreasonable or disproportionately large load on Luno s infrastructure, or otherwise taking any action that may negatively affect the performance of the Luno Site or Luno s reputation; attempting to gain unauthorised access to the Luno Site or any Luno Account; transmitting or uploading any material to the Luno Site that contains viruses, Trojan horses, worms, or any other harmful programmes; or transferring your Luno Account access or rights to your Luno Account to a third party, unless as required by law or with Luno s prior consent.

paying in to or otherwise supporting pyramid schemes, Ponzi schemes, matrix programmes, get rich quick schemes, multi-level marketing programmes or high-yield investment programmes; fraudulent activity, including but not limited to taking any actions that defraud Luno or a Luno customer, or the provision of any false, inaccurate, or misleading information to Luno; transactions involving items that may help facilitate or enable illegal activity; promote or facilitate hate, violence or racial intolerance; are considered obscene; or may be stolen goods or the proceeds of crime; transactions involving TOR markets, online gambling sites or mixers; sale or purchase of narcotics or controlled substances; intellectual property infringement.

By opening a Luno Account, you confirm that you will not use your account to undertake any of the above-listed Prohibited Activities or any similar or related activity. Activities subject to the prior written approval of Luno. Unless you have obtained the prior written approval of Luno, you accept and agree that you will not use your Luno Account to conduct or operate any of the following business activities or categories of activity.

money services, including but not limited to money or cryptocurrency transmission, currency or cryptocurrency exchange or dealing, payment service providers, e-money or any other financial services business; gambling or gaming services; charitable or religious spiritual organisations; consumer lending services, including but not limited to secured and unsecured loans, cash advances, payday lending; investment funds, asset management, or brokerage services.

We reserve the right to restrict, suspend or terminate your Luno Account if we suspect, in our sole discretion, that you are using, or have used, your Luno Account in association with any of the activities listed above, or any similar or related activity, without having obtained the prior written approval of Luno. The Luno Site, your Luno Account and any related products or services are offered on a strictly as-is and where-available basis and Luno expressly disclaims, and you waive, all warranties of any kind, whether express or implied.

Without limiting the generality of the foregoing, the Luno Site, your Luno Account, and any related products or services are offered without any warranty as to merchantability or fitness for any particular purpose. Some jurisdictions do not allow the disclaimer of implied terms in consumer contracts, so some or all of the disclaimers in this section may not apply to you. In no event shall Luno, its operating entities or any other affiliates including their respective directors, members, employees or agents be liable to you for any direct, indirect, special, consequential, exemplary or punitive damages or any other damages of any kind, including but not limited to loss of profit, loss of revenue, loss of business, loss of opportunity, loss of data, whether in contract, tort or otherwise, arising out of or in any way connected with your use of, inability to use, or unavailability of the Luno Site and or your Luno Account, including without limitation any damages caused by or resulting from any reliance upon any information received from Luno, or that result from mistakes, omissions, interruptions, deletion of files or email, errors, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from a force majeure event, communications failure, theft, destruction or unauthorised access to Luno s records, programmes or services.

In no event will any liability of Luno, its operating entities or any other affiliates including their respective directors, members, employees or agents arising in relation to your use of the Luno Site or your Luno Account, exceed in aggregate the fees earned by Luno in connection with your use of your Luno Account in the six month period immediately preceding the event giving rise to the claim for liability.

The above limitations of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. Because some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, some of the limitations in this section may not apply to you.

To the maximum extent permitted by law, you agree to indemnify Luno, its operating entities or any other affiliates including their respective directors, members, employees and or agents against any action, liability, cost, claim, loss, damage, proceeding or expense suffered or incurred directly or indirectly arising from your use of or conduct in relation to the Luno Site and or your Luno Account, or from your violation of these Terms.

You and we agree to notify the other party in writing of any claim or dispute that arises in relation to the Luno Site, your Luno Account or these Terms, within 30 days of such claim or dispute arising. You and we further agree to attempt informal resolution of any Dispute prior to bringing a claim in any court or other body. Governing law and jurisdiction. This agreement shall be governed by and construed in accordance with Singapore law, subject to any local mandatory rights you may have.

You and we agree to submit all disputes, claims or controversies including non-contractual Disputes, claims or controversies arising out of or in connection with these Terms, or the breach, termination, enforcement or interpretation thereof together, Disputesto the non-exclusive jurisdiction of the courts of Singapore. Class or representative action waiver.

To the maximum extent permissible by law, you and Luno each agree that each may bring any Dispute against the other only in your or its individual capacity, and you and it waive any right to commence or participate in any class action or other representative action or proceeding against the other. Further, where permissible by law, unless both you and Luno agree otherwise, no court may consolidate any other person s claim s with your Dispute, and may not otherwise preside over any form of representative or class proceeding.

For the avoidance of doubt, if this Class or representative action waiver is found by any court of competent jurisdiction to be invalid, void or unenforceable, the remainder of this Disputes clause shall remain valid and enforceable. These Terms constitute the entire agreement and understanding between you and Luno with respect to their subject matter and supersede any and all prior discussions, agreements and understandings of any kind between you and Luno including but not limited to any prior versions of these Terms.

If any provision of these Terms, as amended from time to time, is determined to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms but the legality, validity and enforceability of the other provisions in these Terms shall not be affected and everything else in these Terms will continue in full force and effect.

In the event any provision or part thereof of these Terms is determined to be illegal, invalid or unenforceable, that provision or part thereof shall be replaced by the parties with a legal, valid and enforceable provision or part thereof that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision, given the content and purpose of these Terms. You may not assign or transfer any of your rights or obligations under these Terms without Luno s prior written approval.

You give Luno your approval to assign or transfer these Terms in whole or in part, including but not limited to i a subsidiary or affiliate; ii an acquirer of Luno s equity, business or assets; or iii a successor by merger. In the event that Luno is acquired by or merged with a third party, we reserve the right to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.

Luno shall not be liable for any delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labour dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and or software, other catastrophe or any other occurrence which is beyond our reasonable control.

All provisions of these Terms that by their nature extend beyond the expiry or termination of these Terms, including but not limited to, sections relating to the suspension or termination of your Luno Account, use of the Luno Site, disputes with Luno and general provisions, shall survive the termination of these Terms. Section headings in these Terms are for convenience only, and shall not govern the meaning or interpretation of any provision of these Terms.

English language controls. Notwithstanding any other provision of these Terms, any translation is provided solely for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretation in the English language. Any translation provided may not accurately represent the information in the original English. Customer Protection. Investing in biotechnology has been very lucrative lately, and these funds can help you tap into the industry s success.

The 4 Top Biotech ETFs. Biotechnology has been on the cutting edge of healthcare for years, and countless new treatments have made life better for millions of people across the globe. Investing in biotechnology companies can be extremely risky, because the success or failure of a single candidate treatment can make or break the company s entire future.

To reduce the risk of a cataclysmic loss, many investors prefer to use exchange-traded funds to get exposure to a host of different biotechnology investments. In particular, the following four biotech ETFs have attracted a large amount of investment capital. Let s look at what makes them tick and whether one or more might be suitable for you. Biotech ETF. Assets Under Management. Expense Ratio. 1-Year Return. iShares Nasdaq Biotechnology NYSEMKT IBB.

SPDR S P Biotech NYSEMKT XBI. First Trust Amex Biotechnology Index NYSEMKT FBT. VanEck Vectors Biotech NYSEMKT BBH. Data source Fund providers, ETFdb. The big two in the biotech ETF space. As with many other parts of the ETF world, two fund providers dominate the biotech ETF space. The iShares ETF is the largest covering the sector, tracking a set of biotechnology and pharmaceutical stocks that trade on the Nasdaq stock market.

With almost 200 stocks in its portfolio, the iShares ETF claims about 80 of its assets are invested in biotechnology specifically, with the remaining 20 split between pharmaceutical companies and businesses specializing in tools and services for the life sciences industry. Some investors don t like this watering-down of biotech exposure, while others like the idea of a slightly more diversified set of investments that still focuses heavily on biotechnology.

The ETF is also market-cap weighted, allocating to the four top giants in the biotech industry a total of more than 30 of the entire fund s portfolio. Those factors are likely responsible for the ETF s relative underperformance compared to its biotech fund peers. The SPDR ETF also has a strong following, with fewer assets under management but less expensive costs and a much better return over the past year.

The SPDR uses more of an equal-weight approach, using solely biotech stocks and not limiting exposure to stocks that trade on any one particular exchange. Assets are split across just over 100 different stocks, but the largest position in the portfolio has just a 2. 2 allocation currently. With smaller biotechs having seen some incredible performance over the past year, it s not surprising to see the SPDR outperforming its iShares counterpart. How smaller biotech ETFs are fighting hard.

Competing biotech ETFs are working to gain traction, using different strategies to gain attention. The First Trust biotech ETF has just 30 holdings, with an index that concentrates on what the ETF hopes is the best bets in the space. This makes the portfolio largely dependent on small companies for its overall returns, and as we saw with the SPDR, small biotechs made smart bets overall during the past year. Slightly higher expenses are a negative, but for those who think that a more concentrated approach is a better way to play the space, the First Trust ETF will have some appeal.

Finally, the VanEck ETF mixes the strategies of other funds. Its high exposure to the giants of the biotech field makes it look similar to the iShares fund. However, it has a much more concentrated portfolio of stocks, owning just 26 different positions. The top four stocks make up almost 40 of the fund s total assets. A net expense ratio of 0. 35 makes it as inexpensive as the SPDR. Which biotech ETF should you pick. All four of these biotech ETFs have their advantages and disadvantages.

The primary question to ask is whether you want more money allocated to megacap established players in the space or the smaller companies that have more risk but more potential reward. From there, whether you like more concentrated funds or those with more stocks is simply a matter of your tolerance for risk. SPDR Series Trust - SPDR S P Biotech ETF. NYSEMKT XBI. iShares Trust - iShares Nasdaq Biotechnology ETF. First Trust Exchange-Traded Fund - First Trust NYSE Arca Biotechnology Index Fund. NYSEMKT FBT.

VanEck Vectors ETF Trust - VanEck Vectors Biotech ETF. Is It Time to Get Into Biotech Stocks. 5 Top Healthcare ETFs 3 Top Biotech Stocks to Buy in July How to Invest in Biotech Stocks 3 Top Healthcare Stocks to Buy in December. This 11-year-old girl just beat Einstein on an IQ test. by Benyamin Cohen Monday, January 11, 2016. World s favorite physicist still holds plenty of other records. We ve all seen the bumper stickers My kid is an honor roll student. Well, the parents of 11-year-old Kashmea Wahi in London can now boast this My kid is smarter than Albert Einstein.

At least when it comes to Mensa quizzes, the oldest IQ tests in the world. Wahi recently scored a perfect score of 162. It s believed that both Stephen Hawking and Albert Einstein only had an IQ of 160. It s overwhelming to be compared with the likes of Stephen Hawking and Albert Einstein, she said. I am buzzing with excitement. Lots of people of late are trying to measure up to Einstein s IQ.

In honor of the 100th anniversary of Einstein s theory of relativity, many tried to explain the famous calculation using YouTube videos although the task is considered an uphill challenge. Legend has it that Einstein s brain was unique. The interest in Einstein does not fade into history, Professor Hanoch Gutfreund of Hebrew University in Jerusalem told From Iq option últimas notícias Grapevine. If anything, the interest in Einstein increases with time.

It s greater now. Gutfreund should know. Himself a theoretical physicist, Gutfreund is the director of the Einstein Archives. Einstein was a founder of Hebrew University, a member of its Board of Governors and the chairman of its Academic Committee. He bequeathed to the university 80,000 documents, which span the spectrum of both his personal and professional life. Einstein s face is the most recognizable face worldwide, Gutfreund explained. To wit, Einstein s official Facebook account has more than 17 million followers, more than international superstars Bar Refaeli and Gal Gadot combined.

In the mood to take a quiz, but afraid you don t have the chops for something of Mensa caliber. Our From The Grapevine quiz section is full of fun tests you can take on topics as varied as art and architecture to Bond Girls and Star Wars. This Is How You Can Steal Anything. Sometimes you re in a situation where you need to steal something. You can call it immoral, a low point, or desperation. Regardless of what you call it, you have to understand that there are moments where the only option you have is to steal.

Don t Steal Anything You Cannot Afford. This may be counter-intuitive to the reason why you re stealing something. However, this rule is very important because there could be moments where you ll be approached by security during your act. It is in these situations that you can blame it on being stupidly absentminded and then with wondrous grace, walk up to the cashier to pay for these almost stolen items.

Personally, it can be survival at iq option últimas notícias very best, my friends. Don t Act Suspicious. If you walk into any place wearing a hoodie, looking worn down, or acting suspicious, you will be caught. There is a saying, whatever you think will happen, will happen. Basically, if you think other people are watching you stealing something, they probably know you are stealing something. This is because your body will move and act in conjunction with your subconscious.

Act as you would if you were shopping for any item. This means you should talk to the employees, get help from the manager, or just simply mind your own business putting things in your hands, bags, or carts. This rule also applies if you re stealing something in a public area move fast and act normal. This is a tacit that many robbers in foreign countries use they re so good that they unconditionally move swiftly and rob you in crowded areas.

The reason why victims don t know they re being robbed is because these foreign thieves don t act suspicious they re friendly and they re robbing people like it s a normal event out of habit. Don t Let The Right Hand Know What The Left Hand Is Doing. Here is the step-by-step play of completing this move. The CEO of Nasty Gal, Sophia Amoruso, famously made this move public. grab the items you want to steal and put them in your left hand.

These items are usually the most expensive of the group. grab the cheap items you want to purchase and put them in your right hand. when you walk up to the cashier, put the right-handed items on the counter and leave your left-handed below the counter. The reason why this move is amazing is because the cameras will think you re paying for all the items, which means you re less likely to get approached by security personnel in the long run.

Pay with your right hand and no one will be the wiser as cashiers rarely make an effort to see what you re carrying in your left hand. Bring Your Own Shopping Bag. When you enter into the market, the first thing you should do is walk up to an empty cashier lane and quickly grab a few shopping bags. This rule implies mostly with grocery stores. Throw these shopping bags in your cart and continue strolling through the aisles. I m going to warn you to ALWAYS BE AWARE OF THE CAMERAS.

After you put things into your cart, turn your back from these cameras and start putting your groceries into these plastic bags. Then, when you decide to leave the store, you can walk through the exit without anyone being the wiser. Take Off The Tags. This is especially true from bookstores Barnes N Noble and clothing stores. These places always have sensors and it s best to tear them off before you leave.

For example, if you re stealing a belt, it s best you wear the item and then tear the tag off before you leave the store. This is also applies to sweaters, shirts, pants, and socks. Another example, if you re stealing a book, make sure to flip through the pages to find those little sensors before leaving the store. Follow Your Gut. If at iq option últimas notícias moment you really feel like you re going to get caught, then do your part and either leave or pay for the items.

Don t let your ego get in the way. Don t Steal If You re Famous. Remember, your ego and your greed too much of it will get you caught. Winona Ryder, a celebrity, made this mistake so many years ago. If your face is known to the world, then it would be a very stupid move to steal anything because you re always being watched somewhere when you walk into the public light.

Be Real With Yourself. Being a thief takes an enormous amount of skill. Some people are just not born with the talent. It s like anything in life, some people are born with gifts and others not. If you think you re in a category where you know you ll be caught, then don t push yourself. So, if you don t have the talent, please know your limits and don t make stealing apart of your life. Don t Steal From Mom Pop Stores. This should be common sense, but you should be conscious not to steal from mom and pop small businesses because every dollar they make is very important to their livelihood.

I understand that stealing could be seen as immoral, but there is always a moral code everyone should follow. I hope this helps anyone and everyone who is in a situation where stealing is the only option one has to survive. Big business like Walmart, Vons, Ralphs, Best Buy, or any other major story can afford your thievery. Speaking of stealing, here is a funny little story about a thief who steals a mirror out of an act of desperation.

The Beauty In The Untamed. Maybe It s Time To Crack Our Hearts Wide Open. Chakra Basics The 7 Chakras, What They Represent, and How to Unblock Them 2020. How I Broke Up With Alcohol And Fell In Love With Myself. You Won t Always Get What You Want In Life, But Maybe That s Okay. These Mindblowing Theories About Human Consciousness Will Change How You Look At The World.

There s A Terrifying Epidemic Sweeping Across This Country And Every Man Needs To Take It More Seriously. Cake said Today 06 16 PM What you can t afford read this for help and guidance. This Is How You Can Steal Anything Thought Catalog Trump arrives to save America. This Is How You Can Steal Anything Thought Catalog. How Philosophy Can Teach You To Win Over Your Fears. If You re Struggling With The Aftermath Of A Breakup, Read This. Here Are 5 Reasons Why Someone Might Doubt You.

The Monster Who Used To Tell Me Bedtime Stories. Vài kịch bản tiềm năng để tham khảo. Chúng ta đã biết rằng Nga đã công bố có vắc-xin cho dịch bệnh Covid-19, tuy nhiên, ảnh hưởng của Nga đến hệ thống tài chính toàn cầu là tương đối mờ nhạt và phương Tây vẫn hoài nghi về điều này. Thị trường sẽ thế nào khi có vắc-xin Covid-19. Do đó, câu chuyện vắc-xin Covid-19 tác động đến thị trường thế nào khi nó chính thức xuất hiện sẽ phụ thuộc vào các nước lớn khác, đặc biệt là Mỹ và Trung Quốc.

Vậy điều gì có thể xảy đến cho thị trường tài chính nếu vắc-xin được phát triển thành công. Mời anh em đọc bài. Sự bình thường hóa sau đại dịch hẳn là một lợi ích cho các nhà đầu tư, nhưng các nhà chiến lược nhìn thấy những rủi ro xung quanh điều đó. Các biện pháp kích thích tài khóa và tiền tệ khổng lồ đã và đang đấu tranh, chống đỡ nền kinh tế trước một cuộc suy thoái lịch sử.

Chúng ta đã chứng kiến sụt sụt giảm kỷ lục trên thị trường trong tháng 2 và tháng 3, sau đó là một đợt phục hồi mạnh mẽ, đưa thị trường cổ phiếu trở lại gần mức cao kỷ lục. Và trong số những sự kiện có khả năng làm thay đổi tâm lý thị trường thì phải kể đến vaccin cho dịch bênh Covid-19. Khi nó đến, đó có phải là một cú hích lớn cho thị trường. Những tay chuyên nghiệp ở Phố Wall trả lời bằng câu có thể.

Dưới đây là ba kịch bản được thu thập từ các nhà quản lý vốn và chiến lược gia. Kịch bản số 1 Lịch sử lặp lại Sự lo lắng tiếp diễn. Một loại vắc-xin thành công và việc bình thường hóa cuộc sống có thể nhanh chóng thay đổi thái độ của các nhà hoạch định chính sách về những gói kích thích khổng lồ mà họ đã đẩy vào thị trường trong mùa dịch.

Nếu họ quyết định thu hẹp những nỗ lực đó một cách nhanh chóng, thì thị trường có thể chịu áp lực. Bảng cân đối kế toán của Cục Dự trữ Liên bang Mỹ FED đã tăng lên 7 nghìn tỷ đô la khi họ bơm thanh khoản vào hệ thống tài chính, tăng cường mua trái phiếu và lần đầu tiên bước vào thị trường trái phiếu doanh nghiệp. Hành động này của FED, kết hợp với làn sóng mua trái phiếu theo sau FED đã đẩy lợi suất Kho bạc xuống mức thấp lịch sử và giữ cho khoản vay của doanh nghiệp ở mức rẻ, tức góp phần thúc đẩy cố phiếu tăng giá.

Các nhà đầu tư nhận thấy rằng các công ty vẫn có thể vay và lợi suất trái phiếu thấp khiến chứng khoán có vẻ là lựa chọn tốt hơn. Một số người thì lo ngại rằng sự bình thường hóa sau đại dịch có thể dẫn đến việc lặp lại những gì đã xảy ra vào năm 2013. Lúc đó, các nhà đầu tư lo sợ khi FED báo hiệu rằng họ sẽ ngừng chương trình nới lỏng định lượng mà họ đã bắt đầu sau cuộc khủng hoảng tài chính.

Cổ phiếu và trái phiếu đều kéo nhau giảm cùng. George Mussalli, trưởng bộ phận nghiên cứu và giám đốc đầu tư cổ phiếu tại PanAgora, cho biết Rủi ro là sẽ có một cơn giận dữ nhỏ từ thị trường. Yousef Abbasi, chiến lược gia thị trường toàn cầu tại StoneX thì nhận định FED sẽ phải rút lui một cách nhẹ nhàng và cẩn thận với các biện pháp chính sách được ban hành trong thời kỳ đại dịch. Điều này có thể tạo ra thời kỳ biến động cao và khó nhằn. Kịch bản số 2 Mọi thứ đều đắt hơn.

Suy nghĩ về những phản ứng tiêu cực khi các chính sách bị rút lại có thể là hơi quá. Chúng ta đang nói về một loại vắc-xin có thể chế ngự Covid-19 loại virus đã cản trở nền kinh tế toàn cầu. Randy Frederick, phó chủ tịch mảng giao dịch và phái sinh của Trung tâm Nghiên cứu Tài chính Schwab cho biết Vắc-xin sẽ khiến thị trường có một đợt tăng giá mạnh. FED không nhất thiết phải vội vàng từ bỏ các nỗ lực kích thích lớn.

Trước khi đại dịch xảy ra, họ vẫn chỉ đang dần dần gỡ bỏ những phản ứng chính sách của họ với cuộc khủng hoảng 2008. Katy Kaminski, chiến lược gia trưởng và là giám đốc danh mục đầu tư của AlphaSimplex Group cho biết Một khi bạn bắt đầu nới lỏng định lượng, sẽ rất khó để dừng lại và đó là những gì chúng tôi đã thấy trên toàn cầu. Ngay cả sau khi mọi người bắt đầu được tiêm vắc-xin, tỷ lệ thất nghiệp sẽ mất một thời gian để giảm xuống từ quanh mức 10 hiện tại.

Gennadiy Goldberg, chiến lược gia cao cấp về lãi suất của Hoa Kỳ tại TD Securities cho biết Một cách hiệu quả, FED muốn lãi suất thấp và các điều kiện tín dụng dễ dàng nhằm cung cấp nhiều lực đẩy hơn cho sự phục hồi. Kết quả có thể là thị trường chứng khoán tiếp tục leo thang và lợi suất trái phiễu tiếp tục ở mức thấp. Kịch bản số 3 Sự phục hồi giá trị. Những cổ phiếu giá trị loại cổ phiếu được giao dịch ở mức giá tương đối thấp so với thu nhập hoặc tài sản của chúng có thể nổi lên như những người chiến thắng mới khi có vắc-xin.

Chúng có thể là những cổ phiếu của các hãng hàng không, công ty tiêu dùng chuyên bán các mặt hàng không cần thiết và các công ty tài chính. Kịch bản này dựa trên thực tế rằng thị trường tăng giá hiện tại không thực sự tuyệt vời đối với nhiều cổ phiếu. Lợi nhuận tập trung vào một số ít cổ phiếu liên quan đến công nghệ mà các nhà đầu tư thấy là đặc biệt phù hợp trong tình hình hiện tại.

Và khi vắc-xin đến, nó sẽ đem theo sự thay đổi. Các Quỹ phòng hộ và thị trường quyền chọn đang rất lạc quan về đồng EUR, mục tiêu của họ là ở đâu. Các Quỹ phòng hộ đang quay lại bán khống đồng USD lần đầu tiên sau 2 năm. Overview Top Biotech Stocks Top Railroad Stocks Top Pharmaceutical Stocks Top Solar Stocks Top Alternative Energy Stocks Top Wind Stocks.

Overview Top Communications Stocks Top Consumer Discretionary Stocks Top Consumer Staples Stocks Top Energy Stocks Top Financial Stocks Top Healthcare Stocks Top Industrial Stocks Top Materials Stocks Top Real Estate Stocks Top Technology Stocks Top Utilities Stocks. NRG, KIM, and NVDA are top for value, growth, and momentum, respectively. The S P 500 Index is a market-capitalization-weighted index of the 500 largest publicly traded companies in the U.

It is widely regarded as the best gauge of large-cap U. Some of the largest companies in the index include Microsoft Corp. MSFTFacebook Inc. FBand Johnson Johnson JNJ. The S P 500 s total return is 23. 0 over the past 12 months. This market performance number and the statistics in the tables below are as of August 25. Here are the top 3 stocks with the best value, the fastest earnings growth, and the most momentum. Best Value Stocks. These are the stocks with the lowest 12-month trailing price-to-earnings P E ratio.

Because profits can be returned to shareholders in the form of dividends and buybacks, a low P E ratio shows you re paying less for each dollar of profit generated. Market Cap B 12-Month Trailing P E Ratio NRG Energy Inc. 2 NortonLifeLock Inc. 8 Unum Group UNM 18. NRG Energy Inc. NRG Energy is an integrated power company that produces, sells, and distributes energy and provides energy services in the U.

NortonLifeLock Inc. NortonLifeLock is a consumer cyber safety company, offering solutions that enable users to protect their electronic devices, online privacy, identity, and home networks. For the company s Q1 FY 2021, ended July 3, 2020, NortonLifeLock reported a year-over-year YOY increase in consumer revenue of 4 and consumer reported billings growth of 9.

The report comes as NortonLifeLock is making the transition to a pure-play consumer company, which will be completed by the end of August. Top Stocks for September 2020. Unum Group Unum provides disability insurance, group life insurance, and payroll-deducted voluntary benefits for employees primarily at U. The company reported falling net income on a revenue gain of less than 1 for Q2 2020, which ended June 30, 2020.

Several business lines experienced high mortality due to the COVID-19 pandemic. The company suspended its financial guidance for the rest of 2020. Fastest Growing Stocks. These are the stocks with the highest YOY earnings per share EPS growth for the most recent quarter. Rising earnings show that a company s business is growing and is generating more money that it can reinvest or return to shareholders. Market Cap B EPS Growth Kimco Realty Corp. 0 Eversource Energy ES 85.

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