Terms & Conditions

TERMS AND CONDITIONS Effective Date: September 2026 1. Introduction These Terms and Conditions govern access to and use of this website, client accounts, investment services, and related services provided by the firm. By registering for an account or using the services, you acknowledge that you have read and understood these Terms and agree to comply with them. 2. Eligibility Clients must provide accurate and complete information when creating an account or applying for an investment service. The firm may request additional information or documentation where reasonably required to verify identity, establish an account, process a transaction, or satisfy applicable requirements. The firm may decline an application or restrict access to services where information provided is incomplete, inaccurate, or cannot be satisfactorily verified. 3. Client Accounts Each client is responsible for maintaining the confidentiality of their login credentials and for all activity carried out through their account, subject to applicable law. Clients should immediately notify the firm if they believe their account credentials have been compromised or unauthorized activity has occurred. Clients must keep their account information accurate and notify the firm when relevant information changes. 4. Investment Services The firm provides investment services and investment plans according to the terms applicable to each product or service. Information presented on the website is intended to describe available services and should not be interpreted as a guarantee of investment performance or future returns. The availability of a particular investment product, plan, service, or feature may change without prior notice where reasonably necessary. 5. Investment Decisions Clients are responsible for reviewing the information provided for an investment before making a decision. Investment decisions should take into account the client's objectives, financial circumstances, investment horizon, and tolerance for risk. The firm does not guarantee that any investment will achieve a particular return or that an investment will not incur a loss. 6. Deposits Deposits must be made using the payment methods and instructions provided by the firm. A deposit may remain pending while the firm completes the necessary review and reconciliation procedures. The firm may request additional information relating to a deposit where necessary before funds are credited to an account or made available for investment. 7. Withdrawals Withdrawal requests are subject to the account terms, applicable investment conditions, verification requirements, and the firm's processing procedures. The firm may require additional information before completing a withdrawal request. Processing times may vary depending on the payment method, account status, verification requirements, and other circumstances affecting the transaction. 8. Fees and Charges Any applicable fees, charges, minimum requirements, or other costs associated with an investment product or service will be communicated through the relevant product information, account documentation, or other applicable terms. 9. Prohibited Activity Clients must not use the website or services for unlawful activity, fraudulent activity, unauthorized transactions, attempts to gain unauthorized access to systems, or any activity that could compromise the security or integrity of the firm's systems or other clients' accounts. 10. Suspension or Termination The firm may suspend or restrict an account where there is a reasonable basis to believe that the account has been compromised, information provided is inaccurate, applicable requirements have not been satisfied, or the account has been used in violation of these Terms or applicable law. Where appropriate, clients will be notified of material account restrictions and the steps required to resolve the issue. 11. Website Content The firm makes reasonable efforts to keep information on the website accurate and current. However, information may occasionally be changed, updated, or removed without notice. Website content should not be treated as a substitute for the specific terms, documents, or information applicable to an individual client's account or investment. 12. Intellectual Property Unless otherwise stated, the content, branding, design, text, graphics, images, software, and other materials displayed on the website are owned by or licensed to the firm and may not be reproduced, modified, distributed, or commercially used without appropriate authorization. 13. Third-Party Services Certain services may rely on third-party providers, including payment, communication, hosting, verification, or technology providers. The use of such services may also be subject to the terms and policies of the relevant third party. 14. Limitation of Liability To the extent permitted by applicable law, the firm will not be responsible for losses arising from circumstances outside its reasonable control, including interruptions to telecommunications networks, payment systems, internet services, third-party systems, or other events beyond the firm's reasonable control. Nothing in these Terms is intended to exclude or restrict any liability that cannot lawfully be excluded or restricted. 15. Changes to These Terms The firm may update these Terms and Conditions from time to time. Updated terms will be made available through the website or communicated to clients where appropriate. Continued use of the services following an applicable update may be subject to the revised terms. 16. Governing Law These Terms and Conditions shall be interpreted and applied in accordance with the laws applicable to the firm's operations and the relevant client relationship, subject to any mandatory legal or regulatory requirements. 17. Contact Questions regarding these Terms and Conditions should be directed to the firm's official contact address or customer support channel.