What happens to the unsold token that is not sold out in the main sale for the ICO? Burn or go back or will there be another redistribution post-ICO?

At the time I am going withdraw money, shall I look for USD/EUR ATM or it is possible to withdraw in local currency? The latter would be great because looking for specific ATM or money changer, well, you know, it is tie consuming and not always available option.

You will have a chance to make a withdrawal in local currencies.

It won't have impact on users or agents. being under British regulations and legislations means company was registered in UK and adhere to its laws in financial and legal field.

The system is transparent and allows auditing by independent assessors who are not affiliated with Bank4YOU Group. Each user of Bank4YOU’s mobile wallet has an account where tokens can be stored in dierent local currencies as well as in the BFY token. Users can use available tokens for money remittances, to exchange them for other tokens, or can exchange them for local fiat currencies through an agent system or use as payment for goods and services. Access to the account management system can be carried out through a web interface to manage available funds efficiently.
Similar to mobile money systems, usage of the existing hardware base is proposed. Smartphones with a fingerprint scanner and a camera provide both Internet access for carrying out transactions of various types and possibility for user’s biometric identification. In fact, this paradigm shift addresses the problem of user access to traditional banking services not by building new oces in inaccessible/sparsely-populated areas
but by bringing banking services to the user’s mobile phones.
The unique biometric identifier consists of a person’s scanned eye retina and scanned fingerprints. These indicators allow for quick and reliable identification of each person in the world. This feature does not require provision of any passport data as it is subject to just minor mistakes. The only problem lies in the compatibility with the existing standards of know your customer procedure.

What does CARD4you provide to people, who own it?

The card has been designed for individuals, who don’t want or don’t have a possibility to obtain a foreign bank account. The card can be used to withdraw funds globally. Ideal option for frequent travellers and students.

Special Packages have been designed for those purchasing 5000 tokens (Standard Package) and 15000 tokens (Premium Package). Corporate card and Premium card respectively will become our gifts to devoted investors.
Please, note that minimum amount of investment is $100.

At the moment our application can be used in countries where we partners from. All our current partners you may find here:
https://bank4you.io/#ico_partners

We do have Privacy Policy, of course. The main principles are as following:
- We will provide clear information about how we use your personal information;
- We will take all reasonable steps to protect your personal information from misuse and keep it secure;
- We will collect personal information within extend required by the applicable law only;
- We will comply with all applicable data protection laws and regulations, including the Acts, and we co-operate with data protection authorities.

The above mentioned Acts are UK's Data Protection Act (1998) and The Privacy and Electronic Communications (EC Directive)  (Amendment) Regulations (2011).