Terms of Use

Effective Date: 02.10.2026

This Agreement is entered into by and between the Company, on the one part, and the User, on the other part. The Company may require the User to complete KYC and other verification procedures before or after opening an Account and at any time during the User’s use of the Services.

By creating an Account, You acknowledge that You have read and understood this Agreement and expressly agree to be bound by its terms. Your creation of an Account constitutes Your acceptance of and entry into this Agreement with the Company.

You represent and warrant that all information provided by You in connection with the creation and use of Your Account and Your use of the Platform and Services is true, accurate, complete and up to date.

1.TERMS AND DEFINITIONS

Company means WALBI LLC, a company registered in Saint Vincent and the Grenadines with registration number 3001 LLC 2023, having its registered address at: Euro House, Richmond Hill Rd, Kingstown, St. Vincent and the Grenadines, business address at: HAR Building, Ginger Village, Belmont, St. Vincent and the Grenadines, VC0100.

Platform means the Company’s website available at https://walbi.com/, the Company’s desktop applications, mobile applications for iOS and Android, and any other websites, applications or digital interfaces operated by the Company through which the Services are made available.

Account means an account created by a User on the Platform through which the User may access and use the Services.

A User may create and maintain only one Account, unless otherwise expressly permitted by the Company. The User must not create, maintain or use multiple or linked Accounts. The Company may reject attempts to create additional Accounts and may restrict, suspend or close any multiple or linked Accounts in accordance with this Agreement.

Where the Company reasonably determines that multiple or linked Accounts have been created or used in breach of this Agreement, including for fraudulent, abusive or manipulative purposes, the Company may cancel or adjust any Bonuses, transactions or profits attributable to such breach or misuse.

An Account is personal to the User and may not be transferred, assigned or made available for use by any other person, except as required by applicable law, including in connection with the User’s death or legal succession.

User means an individual who is at least 18 years old, has reached the age of majority under the laws applicable to them, and has accepted this Agreement by creating an Account on the Platform.

KYC or Due Diligence means procedures undertaken by Company for User identification and verification purposes according to applicable laws, risk management and Anti-Money Laundering policy of the Company.

Services means the services, features and functionality provided or made available by the Company to Users through the Platform, as may be modified or updated from time to time.

Funds means funds held, transferred, deposited, withdrawn or otherwise made available by or on behalf of the User in connection with the Services.

Payment Service Provider means any payment institution, bank, electronic money institution, payment processor or other legal entity that provides payment, account, wallet and/or electronic funds transfer services to the User, excluding the Company.

AML/CFT means Anti-Money Laundering / Combating the Financing of Terrorism regulations and requirements.

Bonus means any bonus, promotional funds, reward or other incentive granted by the Company to an eligible User in accordance with Section 16 and the terms applicable to the relevant promotion.

2. Scope of Agreement

2.1. This Agreement sets out the terms and conditions governing the provision of the Services by the Company and the User’s access to and use of the Platform.

2.2. The Company provides the User with access to the Platform and related Services, which may include, without limitation, opening and maintaining an Account, providing access to functionality available through the Platform, facilitating transactions and transfers, and providing other related or ancillary services.

3. General provisions

3.1. The Funds reflected in an Account belong to the User registered as the Account Holder. No person other than the Account Holder shall have any rights or interests in relation to such Funds, except as required by applicable law, including in cases of succession. You may not assign or transfer Your Account to a third party or otherwise grant any third party any legal or equitable interest in it.

3.2. You may only open and maintain an Account with Us if it is lawful for You to do so under the laws and regulations applicable to You, including those of Your country of residence. By opening and maintaining an Account, You represent and warrant that Your use of the Account and Services does not violate any applicable laws or regulations.

3.3. You must ensure that the information recorded in Your Account, as provided by You to the Company during the signup process or at any time thereafter, is always accurate, truthful and up-to-date and You shall notify Us promptly, but not later than within one month, of any changes to such information. As per Our AML/CFT obligations and internal procedures, We may ask You at any time to confirm the accuracy of Your information or to provide documents or other evidence.

3.4. We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorising any withdrawal of Your Funds. For these purposes, We may request You to provide additional verification documents under the terms defined by Us.

3.5. All transactions between the User and the Company shall be carried out electronically or by other means made available through the Platform. You may only use accounts and payment methods held in Your name to make transfers to or receive withdrawals from Your Account. The Company shall not accept transfers from third parties to Your Account or process withdrawals or transfers of Funds from Your Account to a third party. The Company may require You to provide evidence demonstrating Your ownership or lawful control of any account or payment method used in connection with a transaction.

3.6. In order to provide the Services and process transactions, the Company may engage third-party service providers and may share with them information relating to You and Your transactions to the extent necessary for the provision of the relevant services, compliance with applicable law, fraud prevention, security or other legitimate purposes. By using the Services, You acknowledge that such information may be disclosed to and processed by third-party service providers in accordance with applicable law and the Company’s Privacy Policy.

3.7. You are responsible for all activities conducted through Your Account and for maintaining the confidentiality and security of Your password and other Account credentials. You must notify Us immediately if You become aware of or suspect any unauthorised access to or use of Your Account, compromise of Your Account credentials, or any other security breach.

We may implement monitoring and security measures designed to detect or prevent unauthorised or fraudulent activity. However, such measures do not relieve You of Your responsibility to take reasonable steps to protect Your Account and Account credentials.

3.8. The User is responsible for ensuring that their use of the Platform and Services complies with the laws and regulations applicable to them, including those of their country of residence, and for keeping informed of any relevant regulatory changes.

You must not use Your Account or the Services for any unlawful or prohibited purpose, including fraud, money laundering, terrorist financing, sanctions evasion or any other illegal activity. You must not use or attempt to use Your Account or the Services to abuse, exploit, manipulate or circumvent any restrictions, controls or limitations imposed by the Company.

3.9. If You conduct or attempt to conduct any transaction or otherwise use Your Account or the Services in violation of this Agreement or applicable law, We reserve the right to:

(a) reject, cancel, reverse or suspend the relevant transaction;

(b) restrict, suspend or terminate Your Account or Your access to any of the Services;

(d) recover from You any losses, damages, costs or expenses reasonably incurred by the Company as a result of Your violation.

4. Account

4.1. By completing the registration process and creating an Account, You accept this Agreement and agree to be bound by its terms. Upon successful creation of Your Account, You will receive or establish the credentials necessary to access it.

4.2. You should check Your Account balance and transaction history regularly. You should report any irregularities or clarify any questions You have as soon as possible by contacting Customer Support.

4.3. Reports, statements, notices and any other communications will be provided to You electronically, including by posting them to Your Account or sending them to the email address registered with Your Account. Communications shall be deemed delivered by the Company when posted or sent and shall be deemed received by You regardless of whether You actually access or read them. You are responsible for maintaining a valid and up-to-date email address and other contact information associated with Your Account.

4.4. You may request the suspension or closure of Your Account at any time by contacting Customer Support. Before processing Your request, We may require You to provide additional information or verification documents in order to verify Your identity and comply with Our AML/CFT and other legal or regulatory obligations.

4.5. If Your Account holds a balance at the time of suspension, Your Funds will remain subject to this Agreement. You may request the withdrawal of any remaining Funds by contacting Customer Support, subject to completion of any required verification, compliance or security checks. The Company may return such Funds using a payment method reasonably determined by the Company, including, where appropriate, the payment method or account from which the Funds originated. Your obligations relating to the security of Your Account and Account credentials shall continue to apply notwithstanding the suspension of Your Account.

4.6. Different transfer or payment methods may be available to You depending on Your country of residence and other applicable factors. The availability of any particular transfer or payment method is not guaranteed, and We may add, modify, suspend or discontinue any such method at any time.

Transfers may be processed through third-party Payment Service Providers. We may engage or use such Payment Service Providers as We consider appropriate for the processing of transfers to or from You. The Company shall not be responsible for a transfer until confirmation of its successful completion has been received by the Company or the relevant Payment Service Provider, as applicable.

4.7. You must not initiate a transfer through a Payment Service Provider using an account or payment method that is not held in Your name. Similarly, You may not request a withdrawal to an account or payment method that is not held in Your name. Any actual or attempted use of a third-party account or payment method may result in the transaction being rejected or suspended and may trigger additional verification or review in accordance with Our AML/CFT policies and procedures.

4.8. Transfers may be subject to fees charged by third-party Payment Service Providers and other applicable transaction or processing fees, depending on the transfer or payment method selected. Where applicable, such fees shall be deducted from the amount of the transfer, and the net amount after deduction of the applicable fees will be credited to or debited from Your Account, as applicable.

4.9. To initiate or authorise a transfer, You may be required to authenticate the transaction using Your Account credentials.

4.10. You may request the withdrawal of all or part of the Funds available in Your Account at any time by following the applicable instructions on the Platform, subject to this Agreement and any applicable limits, verification requirements or restrictions.

4.11. We do not guarantee the availability of any particular withdrawal method and may make changes to or discontinue any withdrawal method at any time as long as there is at least one withdrawal method available to You. Where the withdrawal payment is received by You through an external Payment Service Provider (such as a bank where You have a bank account), We shall not be responsible for the withdrawn Funds once they are received by Your Payment Service Provider.

4.12. Depending on the withdrawal method and payment instrument selected, and for the purposes of preventing money laundering, terrorist financing, fraud or other illegal activity, We may require You to provide additional information, documents or confirmations, or complete other verification, compliance or security procedures that We reasonably consider necessary to verify and authorise the withdrawal. We may delay, restrict or refuse a withdrawal pending completion of such procedures, to the extent permitted by applicable law.

4.13. Withdrawals may be subject to fees charged by third-party Payment Service Providers, including withdrawal, transaction, processing or currency conversion fees, depending on the withdrawal method and payment instrument selected. Where applicable, such fees may be deducted from the withdrawal amount.

4.14. You are responsible for ensuring that all information and payment details provided in connection with a withdrawal are accurate and complete. The Company shall not be liable for any loss resulting from a withdrawal being sent to an incorrect account, payment method or Payment Service Provider where such loss results from inaccurate or incomplete information provided by You.

4.15. Where required under Section 4.12, We may request You to provide one or more of the following:

(a) a valid passport, national identity document or other acceptable proof of identity;

(b) proof of address issued within the preceding six (6) months, or such other period as We may determine, in a form acceptable to Us;

(d) any other information or documentation reasonably required for verification, compliance or security purposes.

5. FEES

5.1. The Company may charge fees or commissions in connection with transactions and Services provided through the Platform (the “Fees”). Applicable Fees and their payment terms will be specified in Your Account or otherwise made available on the Platform.

5.2. The Company may change the Fees from time to time. Any changes will become effective when published or otherwise made available on the Platform. Your continued use of the relevant Services after such changes become effective constitutes Your acceptance of the updated Fees.

5.3. Transactions and Services may also be subject to fees or charges imposed by third-party service providers, including Payment Service Providers.

5.4. You authorise the Company to deduct from Your Account any Fees and other charges, costs or expenses payable by You under this Agreement.

6. The Company’s Rights & Obligations

6.1. The Company may, where reasonably necessary for the provision of the Services, security, compliance with applicable law or protection of the Company, Users or third parties:

(a) reject, cancel, suspend or adjust any trading order or transaction;

(b) restrict, suspend or terminate access to the Account, Platform or any Service, functionality or information available through the Platform;

(c) correct any transaction or Account information where reasonably necessary to address an error or ensure the proper provision of the Services; and

(d) suspend or close an Account or terminate this Agreement in accordance with its terms.

6.2. The Company may take any of the actions described above where, among other circumstances:

(a) the Platform, its technology, communications or any third-party service experiences a failure, interruption or other technical issue;

(b) there is an actual or suspected security breach, fraud or unauthorised activity;

(d) the Company reasonably considers such action necessary to comply with applicable law, regulatory requirements or its AML/CFT obligations; or

(e) circumstances beyond the Company’s reasonable control make the provision of the relevant Service impracticable or materially affect its operation.

Any restriction or suspension may remain in effect for as long as the Company reasonably considers necessary in the circumstances.

6.3. For the purposes of managing AML/CFT, fraud, sanctions and other compliance risks, the Company may suspend or restrict a User’s Account or any activity, including withdrawals and transfers, for the duration of an internal review where the Company reasonably suspects that the User’s activity is fraudulent, unlawful, inconsistent with this Agreement or the Services, or otherwise in breach of the Company’s applicable compliance policies. The Company may require the User to provide additional information or documentation and may maintain such restrictions for as long as reasonably necessary to complete the review or comply with applicable law.

6.4. The Company reserves the right to modify, update, restrict or discontinue any functionality, configuration, content or feature of the Platform or Services, including their availability to particular Users or in particular jurisdictions, subject to applicable law.

6.5. The Company will use reasonable efforts to process transactions and requests initiated by the User through the Platform. However, the Company does not guarantee that any transaction or request will be successfully or immediately processed and shall not be liable for any delay or failure resulting from circumstances beyond its reasonable control, including the acts or omissions of third-party service providers.

6.6. The Company may correct, cancel or adjust any transaction, order, position, Account balance or other record affected by a manifest pricing, calculation, technical, system or other error, regardless of whether the error was apparent to the User, provided that the Company acts reasonably and, where practicable, restores the User to the position that would have applied had the error not occurred.

7. User Representations, Warranties and Authorisations

7.1. The User represents and warrants that:

(a) the User is at least 18 years old, has reached the age of majority under the laws applicable to the User and has full legal capacity to enter into this Agreement and use the Services;

(b) no person other than the User has or will have any right or interest in the User's Account;

(c) the User’s opening and use of the Account and use of the Services comply with all laws and regulations applicable to the User;

(d) all information provided by the User during the Account registration process or thereafter is true, accurate, complete and up to date, and the User will promptly notify the Company of any material changes to such information; and

(e) the User is not an employee of any exchange, any corporation in which an exchange owns a majority interest, any member of or firm registered with an exchange, or any bank, trust company or insurance company, and is not subject to any other employment, professional, contractual or regulatory obligation that may give rise to a material conflict of interest in connection with the User’s use of the Services. The User shall promptly notify the Company in writing if any such employment, relationship, obligation or conflict of interest arises or becomes known to the User.

7.2. The User shall promptly notify the Company of any error, malfunction or vulnerability detected in the Platform, Account or Services that may affect the User, the Company or other Users. The User shall not knowingly exploit, misuse or otherwise take advantage of any such error, malfunction or vulnerability, including for personal gain or to obtain any benefit to which the User would not otherwise be entitled.

7.3. The Company may take appropriate action in response to any misuse or exploitation, including correcting or reversing affected transactions and restricting, suspending or terminating the User’s access to the Account or Services in accordance with this Agreement.

7.4. If You become aware of any unauthorised or incorrectly executed transaction, You must notify Us without undue delay and, where reasonably possible, within one (1) day after becoming aware of the transaction. You may be responsible for losses resulting from an unauthorised transaction to the extent such losses arise from Your failure to keep Your Account credentials secure, Your fraudulent or negligent conduct, or Your unreasonable delay in notifying Us of the unauthorised or incorrectly executed transaction, subject to applicable law.

7.5. The User acknowledges that, in connection with the provision of the Services, the Company or any of its affiliates, directors, officers, employees, service providers or other associated persons may have an interest in, or act in a capacity that may give rise to an actual or potential conflict of interest in relation to, a transaction or Service involving the User. The Company will manage any such conflict in accordance with applicable law and its internal policies.

7.6. The User shall be responsible for any reasonable losses, costs and expenses incurred by the Company as a direct result of the User’s breach of this Agreement or applicable law. The Company reserves the right to set off any amounts due and payable by the User to the Company against any Funds held in the User’s Account.

7.7. The User is solely responsible for determining, reporting and paying any taxes applicable to their use of the Services or transactions conducted through the Platform, in accordance with applicable law.

7.8. The User must not use any bot, algorithm, script, software, automated system or other automated method to place, execute or manage orders, transactions or trading activity through the Platform, except for automated trading tools, agents or functionality provided by the Company.

8. No Financial Advice

8.1. The Company may from time to time provide information, materials or other content through the Platform for general informational purposes only.

8.2. Any information provided by the Company does not constitute financial, investment, legal, tax or other professional advice or a recommendation to enter into any transaction. The User is responsible for making their own decisions and should obtain independent professional advice where appropriate.

8.3. Any rates, prices or other information displayed on the Platform may change from time to time and may be affected by circumstances beyond the Company’s control. The Company does not guarantee that such information will remain current or unchanged.

9. protective actions and Liquidation

9.1. The Company may take one or more of the actions specified in Section 9.2 if:

(a) the User dies or is declared legally incapable by a competent authority;

(b) the User becomes subject to bankruptcy, insolvency, receivership or any similar proceeding;

(c) any attachment, freezing order or similar measure is imposed on the User’s Account or any Funds or other assets held for the User by the Company;

(d) the User fails to maintain the required margin, or the Company reasonably determines that the collateral available in the User’s Account is insufficient to meet applicable margin requirements or secure the User’s obligations;

(e) the User fails to provide any information or documentation reasonably requested by the Company under this Agreement or applicable law;

(f) the Company reasonably determines that the User’s activity involves fraud, market manipulation, abuse of the Platform, exploitation of technical errors, vulnerabilities or other deficiencies of the Platform, abuse of any bonus or loyalty programme, or other activity intended to obtain an unfair advantage through misuse of the Platform; or

(g) the Company reasonably determines that action is necessary to protect the Company, the Platform or other users, manage material financial, operational or security risks, or comply with applicable law or regulatory requirements.

9.2. Upon the occurrence of any circumstance specified in Section 9.1, the Company may, at its sole discretion and to the extent reasonably necessary in the circumstances:

(a) apply any Funds or other assets of the User held or controlled by the Company, or, where permitted, by any of its affiliates, towards the satisfaction of any due and outstanding obligation of the User to the Company;

(b) close, reduce or liquidate any or all of the User’s open positions and sell or otherwise dispose of any Funds or other assets held for the User to the extent necessary to cover any margin deficiency, losses, fees or other amounts due to the Company;

(d) suspend or restrict the User’s Account or access to any part of the Platform;

(e) close the User’s Account and/or terminate this Agreement; and/or

(f) take any other reasonable action necessary to protect the Company, the Platform or other users, manage material financial, operational or security risks, or comply with applicable law or regulatory requirements.

9.3. Any of the above actions may be taken without a margin call or demand for additional margin and without prior notice to the User or, where applicable, the User’s personal representatives, heirs, executors, administrators, trustees or assignees, regardless of whether the relevant Funds, assets or interests are held solely by the User or jointly with any other person.

9.4. Margin trading involves significant risk. The User acknowledges that losses may exceed the Funds deposited or allocated to the relevant margin account or position and that the User may be required to provide additional Funds to maintain open positions.

9.5. If the User’s Account falls below the applicable maintenance margin requirements, the Company may, without prior notice to the User, close or liquidate any or all open positions and sell or otherwise dispose of assets held in the User’s Account to cover the margin deficiency, losses or other amounts due to the Company.

9.6. The Company may change applicable margin and maintenance margin requirements at any time with immediate effect, including in response to market conditions, volatility, liquidity, risk exposure or other relevant circumstances.

9.7. The User remains responsible for any shortfall remaining after the closure or liquidation of positions. If the User’s Account balance becomes negative, the User must repay the outstanding amount within forty-eight (48) hours after the negative balance arises.

10. Restricted Jurisdictions

10.1. The Company does not provide Services to persons residing or located in jurisdictions identified by the FATF as high-risk jurisdictions subject to a call for action.

10.2. The Company does not provide Services to persons residing in the following countries (“Restricted Jurisdictions”):

USA
Japan
Australia
Afghanistan
Bosnia and Herzegovina
Burundi
Iraq
Central African Republic
Congo
Guinea
Guinea-Bissau
Syria
Haiti
Lebanon
Libya
Mali
Iran
North Korea
South Korea
British Columbia
Canada
Myanmar
Nicaragua
Serbia
Somalia
South Sudan
Sudan
Tunisia
Yemen
Zimbabwe
Russia
Countries of the European Union and European Economic Area
Cuba
Kosovo
Venezuela
Western Sahara
Ukraine residents from restricted/conflict areas such as Crimea, Sevastopol, Luhansk, Donetsk, Zaporizhzhia
the United Kingdom of Great Britain and Northern Ireland
‍

10.3. The Company may amend the list of Restricted Jurisdictions from time to time where reasonably necessary due to changes in applicable law, sanctions, regulatory requirements or the Company’s risk-management policies. The current list of Restricted Jurisdictions shall be made available through the Platform or otherwise communicated to Users.

10.4. The Company does not accept transfers to or from accounts maintained with banks or other payment institutions incorporated in the USA, its territories or possessions, or in jurisdictions identified by the FATF as high-risk jurisdictions subject to a call for action.

10.5. If the Company knows, suspects or has reasonable grounds to believe that a User has become a resident of, or is otherwise located in, a jurisdiction in which the Company does not provide the Services, the Company may close or liquidate any outstanding positions and suspend or close the User’s Account, subject to applicable law.

11. Limitation of Liability

11.1. To the maximum extent permitted by applicable law, the Company and its affiliates, licensors, service providers, agents and suppliers shall not be liable to the User or any third party for any indirect, incidental, special, consequential, exemplary or punitive damages arising out of or in connection with the use of, or inability to use, the Services or the Platform, including any loss of profits, revenue, business, opportunity, data, reputation or goodwill, even if the Company has been advised of the possibility of such damages.

11.2. Without prejudice to any other limitation or exclusion of liability under this Agreement and to the maximum extent permitted by applicable law, the Company shall not be liable for any loss, damage, delay, failure, interruption, inaccuracy or unavailability arising out of or resulting from circumstances beyond its reasonable control, including technical failures or malfunctions; failures or interruptions of telecommunications networks, Internet services, computer systems or third-party infrastructure; transmission errors or network congestion; viruses, malicious software, cyberattacks or other unauthorised interference; unauthorised access to or use of the User’s Account; inaccuracies, errors, omissions or delays in data or information provided through the Platform; failures, acts or omissions of third-party service providers or intermediaries; or actions or omissions of any market, regulatory or self-regulatory authority.

The Company may suspend or restrict access to the Platform or any Service where reasonably necessary to address any such circumstances or to protect the security, integrity or proper operation of the Platform.

11.3. To the maximum extent permitted by applicable law, the User agrees to indemnify, defend and hold harmless the Company, its affiliates and their respective directors, officers, employees, agents and service providers from and against any claims, liabilities, losses, damages, costs and reasonable legal expenses arising out of or in connection with: (a) the User’s breach of this Agreement or applicable law; (b) the User’s misuse of the Platform or Services; (c) any fraud, unlawful activity or infringement of third-party rights by the User; or (d) any representation or warranty made by the User under this Agreement being materially false, inaccurate or misleading.

12. NO WARRANTIES

12.1. Except as expressly provided in this Agreement and to the maximum extent permitted by applicable law, the Platform and Services are provided on an “as is” and “as available” basis. The Company disclaims all express, implied and statutory warranties, including warranties of merchantability, fitness for a particular purpose, title and non-infringement.

12.2. The Company does not warrant that the Platform or Services will be uninterrupted, timely, secure, error-free or continuously available, or that any information, data or other content provided through them will be accurate, complete, reliable or current.

12.3. The Company makes no warranty as to the outcome or performance of any transaction entered into through the Platform or Services and makes no representation or warranty regarding the market price, value, liquidity or future performance of any asset available or referenced through the Platform.

12.4. The User acknowledges that the Company may engage third-party service providers, licensors and contractors to provide or support the Platform, software and Services. The availability and operation of certain features of the Platform or Services may therefore depend on such third parties.

13. Communications and Statements

13.1. Reports, statements, notices and other communications may be provided to the User electronically through the Platform, the User’s Account or the User’s registered email address. Any such communication shall be deemed delivered when made available through the Platform or the User’s Account or when sent to the User’s registered email address, unless otherwise required by applicable law.

13.2. Confirmations of orders, transactions and Account statements shall be deemed accurate and accepted by the User unless the User notifies the Company of any error or discrepancy in writing within three (3) days after the relevant confirmation or statement is made available to the User. Failure to raise an objection within this period shall not prevent the correction of any manifest error or any correction required by applicable law.

14. Complaints

If the User has any complaint concerning the Platform, the Services, the User’s Account or any action or omission of the Company, the User may submit a complaint to the Company within thirty (30) days after the circumstances giving rise to the complaint occurred or became known to the User.

15. Refunds

15.1. Due to the nature of the Services, payments and transactions completed through the Platform are generally non-refundable, except where a refund is required by applicable law or expressly provided for under this Agreement.

Where the Company receives Funds from a person who does not hold a verified Account with the Company, the Company may return such Funds, subject to applicable compliance and verification requirements. Where reasonably practicable, the Funds will be returned using the same payment method from which they were received.

15.2. Without prejudice to the above, the User may withdraw available Funds from the User’s Account in accordance with the withdrawal methods, procedures, limits and other applicable conditions set forth herein and on the Platform.

16. Bonuses and promotions

16.1. The Company may, at its discretion, offer Bonuses to eligible Users. Bonuses may be subject to additional terms and conditions, including eligibility criteria, validity periods, trading or turnover requirements, withdrawal conditions and other restrictions specified by the Company in connection with the relevant promotion.

16.2. Unless expressly stated otherwise in the applicable bonus terms, Bonuses have no cash value, are non-transferable and cannot be withdrawn separately from the User’s Account. The withdrawal of profits or other Funds associated with a Bonus may be subject to the conditions applicable to the relevant Bonus.

16.3. The User shall not use Bonuses for fraudulent, abusive or manipulative purposes, including through multiple or related Accounts, coordinated activity between Users, opposite or offsetting transactions in the same or correlated instruments, artificial transactions, or exploitation of technical errors, pricing discrepancies or other deficiencies of the Platform.

16.4. If the Company reasonably determines that a User has breached this Agreement or the terms applicable to a Bonus, or has engaged in fraud, abuse or manipulation of a Bonus or promotion, the Company may cancel or withdraw the relevant Bonus, adjust or cancel transactions or profits attributable to the misuse of the Bonus, exclude the User from current or future promotions and/or suspend or close the relevant Account(s).

16.5. The Company may determine eligibility for Bonuses and may modify, suspend or discontinue any Bonus or promotion at any time, subject to applicable law and the terms of the relevant promotion. Any Bonus already granted shall remain subject to the terms applicable to it, except where its cancellation or adjustment is permitted under this Agreement or the applicable Bonus terms.

17. Privacy

For information on how the Company collects, uses, stores and otherwise processes personal data, please refer to the Privacy Policy available on the Platform.

18. Governing Law and Jurisdiction

18.1. Governing Law. This Agreement and any dispute, claim or non-contractual obligation arising out of or in connection with it, the User’s Account or the Services shall be governed by and construed in accordance with the laws of Saint Vincent and the Grenadines, without regard to its conflict of laws principles.

18.2. Jurisdiction. Subject to Section 18.3, any dispute, claim or proceeding arising out of or in connection with this Agreement, the User’s Account or the Services shall be subject to the exclusive jurisdiction of the courts of Saint Vincent and the Grenadines, and the User irrevocably submits to the jurisdiction of such courts.

18.3. Pre-Action Procedure. Before commencing legal proceedings, the User shall submit a written complaint to the Company at [email protected]. The complaint shall contain sufficient information to identify the User, the relevant transaction or circumstances and the nature of the complaint. The Company shall have thirty (30) days from receipt of the complaint to investigate and respond. If the dispute is not resolved within this period, or if the Company provides its final response earlier, the User may commence proceedings in accordance with Section 18.2.

19. Anti-Money Laundering Policy

19.1. The Company is committed to preventing money laundering, terrorist financing, fraud, sanctions violations and other unlawful activities. For this purpose, the Company may conduct identity and other verification checks, monitor transactions and Account activity, request information or documentation from Users, and take other measures reasonably necessary to comply with applicable laws and the Company’s compliance policies.

19.2. The Company may retain information and documentation relating to the User, the User’s Account and transactions for the period required by applicable law and the Company’s applicable record-retention policies, including after the User’s Account has been closed or an application to open an Account has been withdrawn, rejected or otherwise not completed. Personal data shall be processed and retained in accordance with the Company’s Privacy Policy.

19.3. The Company may use third-party service providers to perform identity verification, screening, transaction monitoring, fraud prevention and other compliance-related services and may disclose relevant information to such providers in accordance with applicable law and the Company’s Privacy Policy.

19.4. Where required or permitted by applicable law, the Company may suspend, restrict or refuse transactions or access to the Services, request additional information or documentation, or take other appropriate compliance measures.

20. Amendments

20.1. The Company may amend this Agreement from time to time at its discretion. The Company will publish the updated Agreement on the Platform and indicate the date on which they were last updated. Where the changes are material, the Company may also notify the User through the Platform, the User’s Account or the User’s registered email address.

20.2. Unless otherwise specified by the Company, amendments shall become effective upon publication of the updated Agreement on the Platform. Where the Company specifies a later effective date, the amendments shall become effective on that date. Amendments shall apply to all Users from their effective date, including Users who accepted an earlier version of this Agreement.

20.3. If the User does not agree with any amendment, the User must cease using the Platform and Services and may close the User’s Account in accordance with this Agreement. The User’s continued use of the Platform or Services after the effective date of the amended Agreement constitutes acceptance of the amended Agreement.

21. Termination

21.1. This Agreement shall remain in effect until terminated by either the User or the Company in accordance with this Section.

21.2. The User may terminate this Agreement and close the User’s Account at any time by submitting a request through the Platform or by giving written notice to the Company, provided that all open positions have been closed and all outstanding obligations to the Company have been satisfied.

21.3. The Company may terminate this Agreement and close the User’s Account at any time by giving notice to the User through the Platform, the User’s Account or the User’s registered email address.

21.4. The Company may, without prior notice and to the extent permitted by applicable law, suspend or restrict the User’s Account or access to the Services, close or liquidate open positions, and/or terminate this Agreement and close the User’s Account if:

(a) the User materially breaches this Agreement or any other terms or policies applicable to the User’s use of the Services;

(b) the Company reasonably believes that the User’s use of the Services violates applicable law or regulatory requirements, or that the Company is required to take such action to comply with its legal, regulatory or compliance obligations;

(c) the Company knows or reasonably suspects that the User is involved in fraud, money laundering, terrorist financing, sanctions violations or other unlawful activity;

(d) the Company reasonably suspects that the Account has been compromised, accessed or used without authorisation, or that such action is otherwise necessary to protect the security or integrity of the Account, the Platform or the Services;

(e) the User fails to provide information or documentation reasonably requested by the Company for verification, compliance or other purposes under this Agreement, or the Company reasonably suspects that any information or documentation provided by the User is false, inaccurate, misleading, forged or otherwise fraudulent;

(f) the User engages in, or the Company reasonably suspects the User of engaging in, market manipulation, abusive trading practices, exploitation of pricing, technical or other errors or vulnerabilities, bonus or loyalty programme abuse, the use of any bot, algorithm, script, software, automated system or other automated trading method not provided by the Company, or other misuse of the Platform or Services;

(g) the User opens or uses another Account following the suspension or closure of the User’s Account or termination of this Agreement without the Company’s prior approval; or

(h) the Company reasonably determines that such action is necessary to protect the Company, the Platform or other users from material financial, legal, regulatory, operational or security risk.

Where reasonably practicable, the Company will notify the User of any action taken under this Section either before or promptly after such action, unless notification is prohibited by applicable law or could compromise any security, fraud prevention, compliance or investigation measures.

21.5. Upon termination, the User may withdraw any remaining Funds available in the User’s Account, subject to the settlement of any open positions, pending transactions, fees or other outstanding obligations and the completion of any applicable compliance or verification requirements. The Company may withhold, restrict or delay the withdrawal of Funds where required or permitted by applicable law or this Agreement.

21.6. Termination shall not affect any rights, obligations, transactions or liabilities accrued before the effective date of termination. Any provisions which by their nature are intended to survive termination shall remain in effect, including provisions relating to liability, indemnification, governing law and dispute resolution.

22. Force Majeure

The Company shall not be liable for any delay or failure to perform its obligations under this Agreement to the extent caused by circumstances beyond its reasonable control, including natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, strikes or other labour disputes, acts or restrictions of governmental or regulatory authorities, power or telecommunications failures, Internet or network disruptions, cyberattacks, or failures of critical third-party infrastructure or service providers.

The Company shall use reasonable efforts to mitigate the effects of any such event and resume the affected Services as soon as reasonably practicable.

23. Intellectual Property Rights

23.1. Unless otherwise indicated, the Platform, Services and all content, software, technology, designs, graphics, interfaces, trademarks, logos, data and other materials made available through or in connection with the Platform or Services, together with all intellectual property rights therein, are owned by or licensed to the Company and are protected by applicable intellectual property laws.

23.2. Subject to this Agreement, the Company grants the User a limited, non-exclusive, non-transferable, non-sublicensable and revocable right to access and use the Platform, Services and related materials solely for the User’s personal use of the Services.

23.3. Except as expressly permitted by this Agreement or applicable law, the User may not copy, reproduce, modify, distribute, publish, transmit, sell, license, reverse engineer or otherwise exploit any part of the Platform, Services or related materials, or use the Company’s trademarks, logos or other intellectual property without the Company’s prior written consent.

23.4. The rights granted under this Section shall automatically terminate upon termination of this Agreement or closure of the User’s Account.

24. ASSIGNMENT

24.1. The User may not assign, transfer or otherwise dispose of any of the User’s rights or obligations under this Agreement without the Company’s prior written consent.

24.2. The Company may assign or transfer any or all of its rights and obligations under this Agreement to an affiliate or to any person in connection with a merger, reorganisation, sale or transfer of all or a substantial part of its business or assets, or similar corporate transaction, subject to applicable law.

24.3. Any assignment or transfer under this Section shall not affect any rights or obligations accrued before the effective date of such assignment or transfer.

25. SEVERABILITY

If any provision of this Agreement is held to be invalid, illegal or unenforceable by a court or other competent authority, such provision shall apply to the maximum extent permitted by applicable law, and the validity and enforceability of the remaining provisions of this Agreement shall not be affected.

26. Support

If the User has any questions, concerns or requests regarding this Agreement, the User’s Account, the Platform or the Services, the User may contact the Company at [email protected].