1. Overview

1.1 The website located and accessible at https://g-invest.me/, and any other related and associated websites are copyright works belonging to G-INVEST Limited a private limited company with company number: 3156653 with the registered office located at OFFICE ROOM NUMBER 77, 7/F, WOON LEE COMMERCIAL BUILDING, 7-9 AUSIN AVE, TSIM SHA TSUI, KOWLOON, HONG KONG (the ‘Company’, ‘us’, ‘our’, ‘we’ ‘G-INVEST Limited’)

1.2 Websites directly branded or indirectly branded but owned by the Company. This includes subdomains, international versions, widgets, and versions available on different devices. (B) Our Platform (C) Other media, social media accounts, brands, products, services, and software that currently exist or are later developed by G-INVEST Limited.

1.3 These general terms and conditions, together with the documents referred to in them, govern your access to and use of the G-INVEST Limited services whenever you use them.

1.4 We advise you to read these Terms and Conditions carefully before accepting them. These Terms and Conditions (alongside the documents referred to within this document)

1.5 By accessing or using the G-INVEST Limited services, you acknowledge and agree to be bound by these Terms, and you represent and warrant that you have the right, authority, and capacity to enter into these Terms. If you do not agree with any of these Terms’ provisions, you must not access or use the G-INVEST Limited services/website.

1.6 A separate and user-specific set of Terms and conditions is also required to unlock additional features of our services.

1.7 All communication in respect of the Terms and Conditions and Services provided by us will be in English.

2. These Terms and Conditions govern the legal relationship between You as an individual or legal entity (“G-INVEST Limited customer”, “User”, “You” or “you”) and the company G-INVEST LIMITED, registered in the Hong Kong under registration number 3156653, with its legal address: OFFICE ROOM NUMBER 77, 7/F, WOON LEE COMMERCIAL BUILDING, 7-9 AUSIN AVE, TSIM SHA TSUI, KOWLOON, HONG KONG, who is the provider of services under the business name G-INVEST Limited (“G-INVEST Limited”, “We”, “Us” or “Our”).

G-INVEST Limited has been granted authorisation to carry on payment services activities as an Authorised Payment Institution from 13 March 2019, under the Payment Services Regulations 2017. We are authorised to provide payment services on the basis of a license issued by the Financial Conduct Authority.

2.1 Definitions:

Services or G-INVEST Limited Services means all products, payment services, other services, content, features, technologies, or functions offered by us and all websites associated with us and our activity as a service provider, applications (including the App, as defined below), and services (including the Website, as defined below).

App or G-INVEST Limited App means the Web & mobile application software, the data supplied with the software, and the associated media (mentioned in Clause 4 of these terms and conditions). We provide you with the use of our App on the basis of these Terms and Conditions and subject to any rules and policies applied by any Appstore provider or operator whose sites are located at App Store and Google Play. While we provide you with non-transferable, non-exclusive access to use the App on your device, we do not transfer the App to you, and we always remain the owners of the App.

Website means any webpage, including but not limited to https://g-invest.me/ where we provide the Services to you.

Policies mean the terms specified at https://g-invest.me/ which explains how we process your personal information, the data we collect about you, and/or information you provide (or share) with us. By using our Services, you consent to such processing, and you confirm that all data provided by you is true and accurate. Please also consult our Terms of Use which are available on our official website.

Price List means the price list and the fees payable to Us for the provision of the Services. It is noted within these terms and conditions that G-INVEST Limited has two separate price lists,- a General Price List and a Special Price List, hereinafter jointly referred to as the Price List. The Price List forms an integral part of these Terms and Conditions and also governs the legal relationship between You and Us.

General Price List means the general price list setting down the fees which apply to G-INVEST Limited Users if they do not have the Special Price List. You can find the most up-to-date version of our General Price List on our official website by clicking either of the links below for individuals at: http://go.ge.mba/price-individuals;

for corporates at: http://go.ge.mba/price-corporates.

Special Price List means the price list setting down the fees applied only to you and available online in Your G-INVEST Limited Account.

G-INVEST Limited Account means the payment account You have opened with Us in accordance with these Terms and Conditions for the use of our services by you in exchange for the funds you pay us.

Terms and Conditions means an agreement on the provision of services which defines the terms and conditions of (a) the opening of Your G-INVEST Limited Account and (b) the use of Services provided by Us. The Terms and Conditions mean these Terms and Conditions collectively with the Price List and the Privacy Policy and our terms of use.

Balance means funds held in your G-INVEST Limited Account.

Business Day means a day other than a Saturday, Sunday, or a public holiday in England and Wales. Our working hours are from 8.30 am to 4.30 pm Greenwich Mean Time (GMT).

2.2 By entering into the Terms and Conditions, You confirm:

A. That You have carefully read and fully understood these Terms and Conditions together with all the relevant policies which you are advised to consult.

B. You are to provide Us with the documents, photo ID, and any data that We might require from You to comply with Our legal obligations.

3. G-INVEST Limited Services

3.1 G-INVEST Limited shall provide You with the Services pursuant to the Terms and Conditions only through Your active G-INVEST Limited Account in connection with the G-INVEST Limited App (see Sections 4 and 5 below).

3.2 Under the Terms and Conditions, We undertake to transfer funds as per your needs to and from Your G-INVEST Limited Account.

3.3 You are authorised to dispose of the funds from Your G-INVEST Limited Account by way of an electronic transfer order through the G-INVEST Limited App.

3.4 The payment transactions will be processed by Us in accordance with these terms and conditions and within the time as set out in Clause 6 hereto (Payment Orders).

4. G-INVEST Limited Account

4.1 During your account opening with G-INVEST Limited you give us your authority to check your identity which might include a check of your credit score. You will also be asked to provide information in respect of your funds in accordance with regulations which our firm is obliged to follow as an FCA-authorised entity.

4.2 You agree to comply with any of Our requests for further information and provide such information in a form acceptable to Us.

4.3 If you are an individual, you must be at the age of 18 years or older to use Our Services and by opening a G-INVEST Limited Account you declare that you have reached the age of 18. We may ask you to provide a copy of your ID.

4.4 You confirm that You are informed and agree that: G-INVEST Limited will review Your application for opening and maintenance of Your G-INVEST Limited Account and, you acknowledge that we have to reach a conclusion upon your request to open the account. In order for us to reach this decision, we might have to request additional information and documents from You. We reserve the right not to accept Your application for account opening and servicing and/or to refuse your account opening. We might not be able to provide you with the reasons for the refusal.

4.5 You are free to use the G-INVEST Limited Account to make payment transactions in accordance with these Terms and Conditions. Your G-INVEST Limited Account allows you to hold, send or receive payments.

4.6 G-INVEST Limited Account may be held in EUR or in any other currencies, which G-INVEST Limited supports from time to time.

4.7 You are the only person who is authorised to use Your G-INVEST Limited Account and to perform operations in Your G-INVEST Limited Account. You may not use Your G-INVEST Limited Account for the benefit of any third parties or for the performance of transactions on behalf of any third parties.

4.8 We may consider opening Your G-INVEST Limited Account if you hold an official authority to manage the company which you are not the owner. The authority document must clearly state that you are able to make decisions on behalf of that company. The authority document must be received from the Board director for the said Company and must be certified by a solicitor or a chartered legal executive.

4.9 You commit to Us that by opening and/or using a G-INVEST Limited Account you do not breach any of the laws that are applicable to You.

4.10 By entering into these Terms and Conditions You agree that the G-INVEST Limited App is developed and supported in English In case of any questions, You can contact Us at any time via email our support line by sending your email to support@ge.mba.

4.11 You confirm that funds which are used by/within your G-INVEST Limited Account are obtained and amount to a legitimate source of funds. You agree to provide us with the necessary information upon our immediate request, in respect of your account transactions should we require this.

4.12 You acknowledge that We will not be supporting, performing, engaging in, aiding, or abetting any unlawful and fraudulent activity through the use of Your G-INVEST Limited Account. You confirm that you will not use Your G-INVEST Limited Account for any illegal purposes and/or fraudulent activities, including money laundering transfers, or receipts of payment for planning, preparation, or commitment of crime, for financing terrorism and illegal trade. You must not use Your G-INVEST Limited Account for any purpose prohibited by these Terms and Conditions or by law or in any manner that could damage, disable, overburden, or impair Us.

4.13 You confirm that the Information provided by You is true, complete, and accurate and agree to immediately notify Us in writing of any changes in the information provided by You. You must immediately notify Us in writing of your intention to perform any transactions on behalf of the third parties and/or if you hold third parties’ funds in Your G-INVEST Limited Account.

4.14 You confirm that You are the owner of the funds held in Your G-INVEST Limited Account and that You are not holding any third parties’ funds in Your G-INVEST Limited Account.

4.15 You confirm that prior to opening an account at G-INVEST Limited, you have read through the G-INVEST Limited customer eligibility criteria, which are stated at http://go.ge.mba/eligibility, and that You do not fall under any of the onboarding restriction criteria.

4.16 In the event that G-INVEST Limited has been determined that You have violated the provisions within this document. We reserve the right to immediately discontinue our cooperation with you and the provision of our services to you.

5. G-INVEST Limited App

5.1 The G-INVEST Limited App is a payment tool that you can use as a personalised software to initiate payment orders with Us. By using the G-INVEST Limited App, you agree to comply with the terms outlined in this document.

5.2 We reserve the right to restrict your G-INVEST Limited Account access if we suspect any unauthorised or fraudulent activity associated with your G-INVEST Limited Account. Any such actions will be communicated to you as per Clause 8.1 of these Terms.

5.3 If your payment is terminated by Court Order, you will be notified in a reasonable manner.

5.4 When using the G-INVEST Limited App, you are advised to:

• A. Maintain and protect the electronic device where the G-INVEST Limited App is installed, and install the latest versions and system updates of the G-INVEST Limited App;
• B. Keep your PIN codes, personal data used to log in and operate your G-INVEST Limited Account, and other access data confidential. Change them immediately if they are compromised;
• C. Comply with Clauses 13 (Due Diligence) and 14 (Security) of these Terms and Conditions;
• D. Notify Us immediately if you become aware of the loss, theft, misappropriation, or unauthorised use of the G-INVEST Limited App.

5.5 You may notify us of the loss, theft, misappropriation, or unauthorised use of the G-INVEST Limited App, or request to unblock the app via email at support@ge.mba.

5.6 As the issuer of the G-INVEST Limited App, G-INVEST Limited shall:

• A. Provide you with personalised security credentials for the G-INVEST Limited App, which you must keep safe and ensure they are not accessible to others (this is without prejudice to your obligations under Clause 4);
• B. Prevent all use of the G-INVEST Limited App once you have notified us of its loss, theft, misappropriation, or unauthorised use.

5.7 You will be notified of any authorised payments made through the G-INVEST Limited App.

5.8 G-INVEST Limited agrees that all information received from you or your bank regarding the provision of services shall be confidential and stored in accordance with legal requirements. Please refer to our Terms of Use for more information.

6. Payment Orders timescales

6.1 To execute a payment transaction from your G-INVEST Limited Account, you must set up a payment order and give consent for the transaction (payment authorisation) before its execution. To set up a payment order, you need to provide the following information:

• A. The recipient's full name;
• B. The recipient’s address;
• C. The recipient's bank account or G-INVEST Limited Account details;
• D. The amount to be transferred.

6.2 The information in the payment order must be complete, accurate, and clear.

6.3 The payment transaction will only be authorised once you give consent through the G-INVEST Limited App using the identification codes issued by us or the G-INVEST Limited Key application, which generates confirmation codes for each payment order.

6.4 You may revoke your consent for the payment transaction up until the time the payment order has been received, as defined in Clause 6.5.

6.5 A payment order is considered received when you enter and confirm (authorise) it in the G-INVEST Limited App by providing your consent (Clause 6.1). Once we have received the payment order, you cannot revoke it.

6.6 After we receive your payment order, we will execute it by transferring the amount specified to the payee’s payment service provider. We will deduct the corresponding amount and applicable fees from your G-INVEST Limited Account, as per Clause 7 (Fees). You are responsible for ensuring sufficient funds are available in your account to cover the payment and related fees.

6.7 You must provide us with sufficient funds before we can process your payment order. We will not execute the payment order if your G-INVEST Limited Account does not have enough funds. In such cases, we can decline the payment order and will notify you via the G-INVEST Limited App.

6.8 If your payment order is received after the cut-off time (3:00 pm) or on a non-Business Day, it will be processed on the next Business Day.

6.9 We may perform verification checks, which could delay the processing of your payment order. We are not responsible for delays caused by these checks.

6.10 If we are unable to complete your payment order, we will notify you and, if possible, explain how to correct any errors.

6.11 If you are the payee of a payment transaction, we will ensure the amount is credited to your G-INVEST Limited Account as soon as it is credited to our account. If currency exchange is involved, we will credit the funds to your account on the next Business Day after the transaction is credited to us.

6.12 You acknowledge that cross-border transactions may be subject to additional terms, such as account number requirements, minimum payment amounts, or bank fees. You should confirm that the recipient’s bank or building society will accept the payment. G-INVEST Limited may use intermediary financial institutions to process such transactions.

6.13 You must maintain a zero or positive balance in your G-INVEST Limited Account. If your account balance becomes negative due to a chargeback, reversal, fees, or other reasons, you must repay the negative balance immediately. We may take action to recover negative balances, including using debt collection services or legal action, and charge you for any associated costs.

6.14 If funds are credited to your G-INVEST Limited Account by mistake or without legal basis, you must notify us within one Business Day. You cannot use these funds, and we reserve the right to debit the incorrectly credited amount from your account without further consent. If there are insufficient funds in your account to correct the error, you agree to top up your balance within three Business Days.

6.15 We reserve the right not to credit received payment amounts to your G-INVEST Limited Account if the account number is correct but other information is inconsistent. In such cases, we may return the funds to the payer’s payment service provider or request clarification. We may suspend the crediting of funds while we verify the information.

7. Fees

7.1 Users of G-INVEST Limited shall pay fees for the Services provided, as specified in the Price List, which may be subject to change as outlined in Clause 7.7.

7.2 If we have agreed on a Special Price List, we will provide it for your acceptance before committing to these Terms and Conditions.

7.3 You acknowledge that if you decide not to proceed with our services for any reason, you will incur a transaction fee or commission for your transactions or failed transactions with us. The fees charged are in accordance with the Price List available on our official website.

7.4 Following Clause 7.3 and subject to these Terms and Conditions, you are obligated to pay all fees due to us, even if the services provided by G-INVEST Limited are limited or fully suspended.

7.5 Subject to applicable tax laws, G-INVEST Limited may deduct amounts from your G-INVEST Limited Account in accordance with tax requirements.

7.6 If any fee for the Services provided by G-INVEST Limited is fixed for a specific period, we are entitled to receive the full fee for that period.

7.7 You acknowledge that G-INVEST Limited may change its Price List based on global or external factors affecting the pricing of the Services provided to you. If your risk factor changes, our services will be suspended until you accept the new Price List tailored to your risk category.

7.8 The new Price List must be accepted within two months for consumers and within 10 working days for corporate clients from the initial introduction. You understand that the Terms and Conditions you entered into with G-INVEST Limited prior to the change in your risk category are automatically terminated until you accept the new Price List.

7.9 If any change in your risk category poses a risk to G-INVEST Limited or third parties, point 19.6 (J) of the termination clause applies.

8. Communication with G-INVEST Limited

8.1 These Terms and Conditions are provided in English. We communicate with you and provide contractual conditions and other information in English unless agreed otherwise, through the following means:

• A. Using the G-INVEST Limited App;
• B. Via email at support@ge.mba;
• C. In person at our registered office.

8.2 By accepting these Terms, you agree to receive all notifications regarding G-INVEST Limited Services in electronic form. Notifications will be posted in the G-INVEST Limited App or sent to the email address you provided when entering into these Terms and Conditions.

8.3 You are responsible for regularly accessing your G-INVEST Limited App and Our Website. You should review all messages related to your G-INVEST Limited transaction history and promptly ask any questions or report any mistakes or unauthorised transactions.

8.4 You agree to keep your valid email address updated in your G-INVEST Limited Account profile. If your email address changes, you must request us to update it. You should frequently check for incoming messages, as they may contain important information about your transactions and our Services. We cannot be held liable for any consequences or losses resulting from your failure to fulfil these responsibilities.

8.5 We may contact you from time to time to notify you of any changes or provide information related to your G-INVEST Limited Account. You are responsible for regularly checking your account and keeping your contact details updated in your G-INVEST profile.

9. Consumer Protection

9.1 If you are entering into these Terms and Conditions as a consumer, i.e., as an individual acting outside of your trade, business, or profession, please pay special attention to the information in this clause 9.

9.2 As a consumer, you have the right to unilaterally withdraw from these Terms and Conditions within 14 days after entering into them. You are not required to provide a reason for this withdrawal, and we may not impose any penalties related to your withdrawal. The withdrawal period begins from the date your application is accepted by us.

9.3 If you wish to withdraw under Clause 9.2, you must send us a written notice of withdrawal via email to support@ge.mba within the specified period. Your withdrawal is considered timely if you send the notice within the designated time limit.

9.4 If you withdraw under Clause 9.3, we may require immediate payment for any fees and charges incurred for the services provided up to the point of your withdrawal.

9.5 If you do not withdraw from these Terms and Conditions, your right to do so will expire after the 14-day period specified in Clause 9.3. After this period, you may unilaterally terminate these Terms and Conditions only under Clause 18 (Amendments to These Terms and Conditions) or Clause 19 (Termination).

10. Complaint Procedure

10.1 We always do Our best, but We realize that things sometimes go wrong. If You have a complaint, please contact Us.

10.2 If Your complaint is about Our service relating to payments into and out of Your G-INVEST Limited Account, You can also make a complaint to the Financial Conduct Authority.

10.3 If You’d just like to speak to someone about any issue that is concerning you, please contact Us. We can usually settle matters quickly. You’ll probably need to give Us the information specified in Clause 10.5 herein.

10.4 You’ll need to tell Us: Your name, phone number, and email address associated with Your G-INVEST Limited Account, when the problem arose, and how you’d like Us to put the matter right. We’ll look into Your complaint and respond to you by email. We will communicate with you in English unless We tell You otherwise. We will handle Your complaint in accordance with Our rules for handling complaints published on Our website.

10.5 If You prefer You can email Us at: support@ge.mba.

10.6 The information provided in these Terms and Conditions is valid until an updated version of these Terms and Conditions has been adopted by Us and published on Our Website.

11. Rectification of Unauthorised or Incorrectly Executed Payment Transactions

Rectification of Unauthorised Payment Transactions

11.1 In case of an unauthorised payment transaction (see Clause 5.2 above for a definition of authorization of payment transaction), We will refund You the amount of the unauthorised payment transaction at your request immediately, and in any event no later than by the end of the Business Day following the day when We have noted or been notified of the unauthorised payment transaction. This shall not apply if You have acted fraudulently, or We have reasonable grounds for suspecting fraud in which cases we will not refund you in any circumstances.

11.2 Clause 11.1 shall not apply and We will not rectify the unauthorised payment transaction for You and You are obliged to bear the losses from the unauthorised payment transactions if your case is qualified by Clauses 11.3, 11.4, and 11.5 below.

11.3 You are obliged to bear the losses relating to unauthorised payment transactions:

A. up to a maximum of £35 of any unauthorised payments if You are a consumer or in full if You are not a consumer if the losses resulting from the use of a lost, stolen, or misappropriated G-INVEST Limited App or its personalised security features;

B. in full, regardless of whether You are a consumer if the losses were incurred by You acting fraudulently or failing to fulfill one or more of the obligations set out in Clause 5 (G-INVEST Limited App) and Clause 14 (Security) with intent or gross negligence.

11.4 If You are a consumer, Clause 11.3 (A) shall not apply (and You shall not be obliged to bear the losses relating to unauthorised payment transactions thereunder) if You have not acted fraudulently and:

A. the loss, theft, or misappropriation of the G-INVEST Limited App was not detectable to You prior to the payment; or

B. the loss, theft, or misappropriation of the G-INVEST Limited App has been caused by Us.

11.5 If You are a consumer, Clause 11.3 (and You shall not be obliged to bear the losses relating to unauthorised payment transactions thereunder) shall not apply if You have not acted fraudulently and:

A. the losses incurred after You have notified Us in accordance with Clause 11.1. above; or

B. We have not provided You with appropriate means for the notification at a time of a lost, stolen or misappropriated G-INVEST Limited App, theft or misappropriation of the G-INVEST Limited App; or

C. We have not required strong customer authentication where it is required by the applicable laws.

Rectification of Incorrectly Executed Payment Transactions

11.6 We shall be liable to You as a payer for correct execution of the payment transaction, unless We can prove to You and, where relevant, to the payee’s payment service provider that the payee’s payment service provider received the amount of the payment transaction. In that case the payee’s payment service provider shall be liable to the payee for the correct execution of the payment transaction.

11.7 If We are liable to You as a payer under Clause 11.6 and You inform Us that You do not insist on execution of the payment transaction, We shall without delay restore Your debited G-INVEST Limited Account to the state in which it would have been had the defective payment transaction not taken place.

11.8 If We are liable to You as a payer under Clause 11.6, We shall without any delay make sure that the amount of the payment transaction is credited to the payee’s payment service provider account.

11.9 If We are liable to You as a payee for correct execution of the payment transaction, We shall without delay restore Your G-INVEST Limited Account to the state it would have been in had the defective payment transaction not taken place.

11.10 If the payment transaction initiated on the basis of Your payment order has been executed incorrectly, We will, on Your request, exert reasonable effort to search for the payment transaction, and We will inform You about the result.

11.11 The above rules for rectification of incorrectly executed payment transactions under Clauses 11.6 to 11.10 apply to You only if You are a consumer. If You are not a consumer, We are not liable to You for the correct execution of payment transactions.

Common Provisions Relating to Unauthorised and Incorrectly Executed Payment Transactions

11.12 If You are a consumer and You claim that You have not authorised an already executed payment transaction or that the payment transaction has been executed incorrectly, We will provide you with the evidence that this payment transaction has been authenticated, correctly recorded, accounted for and that is has not been affected by technical defect or other malfunction; otherwise it is presumed that the payment transaction is unauthorised or incorrectly executed.

11.13 Your right arising from unauthorised or incorrectly executed payment transaction does not exclude Your right to claim damages or unjust enrichment. However, what can be obtained from Us by asserting a right arising from an unauthorised or incorrectly executed payment transaction cannot be claimed on any other legal grounds.

11.14 As a payer You may assert Your right to rectification of an unauthorised or incorrectly executed payment transaction before a court or another competent authority if You notify Us of the unauthorised or incorrectly executed payment transaction without undue delay after becoming aware of it, but no later than 13 months (if You are a consumer) or no later than 1 month (if You are not a consumer) after the date on which the payment transaction amount was debited from Your G-INVEST Limited Account.

11.15 As a payee You may assert Your right to rectification of an incorrectly executed payment transaction before a court or another competent authority if You notify Us of the incorrectly executed payment transaction without undue delay after becoming aware of it, but no later than 13 months (if You are a consumer) or no later than 1 month (if You are not a consumer) after the date on which the payment transaction amount was credited to Your G-INVEST Limited Account.

11.16 If You fail to notify Us of an unauthorised or incorrectly executed payment transaction in time and if We invoke late notification, a court or another competent authority shall not grant You the right to rectification of an unauthorised or incorrectly executed payment transaction.

11.17 If a circumstance which is unusual, unforeseeable, independent of Our will and whose consequences could not have been avoided by Us, has prevented the fulfillment of Our duty relating to execution times for payment transactions or to rectification of unauthorised and incorrectly executed payment transactions, We are not liable for the failure to fulfil this duty.

11.17.1 You (the customer of G-INVEST Limited) confirm Your understanding to Us that when We deal with the process of Your payment, We cooperate with the relevant Banking institutions (Third Parties). We use our best endeavours to process Your payment the same day (if it is requested during the working hours). However, in case of issues arising from the Third Parties (e.g. if they refuse the payment, or if there is any other issue that can’t be resolved by Us), We cannot be liable for any delays or other payment issues.

11.18 If you use G-INVEST Limited Services for any commercial or business purpose (even for any commercial or business purpose not related to your main activity) we will have no liability to you for any loss of profit, loss of business, any kind of business interruption, or loss of any opportunity related to any business.

12. Effective Date and Term of Our Agreement

12.1 The business relations between You and G-INVEST Limited under these Terms and Conditions shall become effective when We have verified the required information and documents from You and We confirm to You that We agree with entering into these Terms and Conditions with You.

12.2 The term of this agreement made between You and Us under these Terms and Conditions is entered into for an indefinite period of time or until such time when either party formally terminates the relationship with one another.

12.3 If You do not fulfill obligations provided for in Clauses 12 and/or the result of Your identity verification and due diligence is not satisfactory to Us and/or does not comply with applicable law, We may refuse to establish a business relationship with You and refuse to enter into these Terms and Conditions with You.

13. Due Diligence

13.1 G-INVEST Limited shall perform Your identity verification as required by applicable law and/or internal procedures established by G-INVEST Limited. G-INVEST Limited is entitled to request all and any information and documents from You in order to perform due diligence checks under the applicable law and/or internal procedures adopted by Us and You agree to provide the requested information or documents in the form and within the time period indicated by G-INVEST Limited.

13.2 You hereby consent to collaborate with Us in all events when We are performing our duties under the due diligence investigations which We are expected to perform before entering into an agreement for the provisions of Services to You. To enable You to use all available functions and in order to comply with Our obligations, We may request to provide You any additional information to Us which We may consider to be helpful in a particular transaction.

13.3 Should You fail to comply with Our request for information and/or documents or fail to comply with the aforesaid within the time limit or to the extent required by Us, or if We fail to obtain or verify such additional information or the result of the due diligence is not satisfactory or does not comply with law, We are entitled to refuse establishing a business relationship with You, or to block, suspend or limit Your access to Your G-INVEST Limited Account and/or other G-INVEST Limited Services, or terminate business relations with You.

13.4 We accept information and documents in English and Russian languages. In case any information and documents are issued/prepared in other languages, we will have the right to set requirements in respect of the form, language or certification of this document or its translation for its acceptance.

13.5 All information and documents You provide to Us (and this is Your direct responsibility) must be complete, accurate, truthful, and provided on time. You must update this information whenever it changes.

13.6 Provided compliance with confidentiality obligations, We may verify both information disclosed by You and information related to You and G-INVEST Limited App users obtained from Our search or provided by third parties from any databases. By consenting to these Terms and Conditions, You agree that We or any authorised third party may carry out such verification.

13.7 We shall ensure that all data in Your G-INVEST Limited Account is always exact and valid. If We suspect that your data is outdated or incomplete, We are entitled to contact You and request that You pass verification one more time. In this event, We may suspend or restrict Your access to Your G-INVEST Limited Account and Your G-INVEST Limited transaction limit shall be restricted for the period of Your identity check. We shall not be liable for any losses caused by Your failure to promptly update Your data.

13.8 We have a right to refrain from the provision or performance of financial services if We have information or reasonable grounds to believe that Our Customer or related person is involved in fraudulent activity of any kind.

13.9 We shall not be liable for any loss caused to You or any third parties as a result of providing financial services or refusing the execution of such services, suspending, or terminating such services if this was a reasonable step to take in accordance with the due diligence process of investigations.

14. Security

14.1 As a G-INVEST Limited User, You shall make Your best efforts to:

• A. maintain the security of Your login/username and password to the G-INVEST Limited App; and
• B. prevent unauthorised access to Your G-INVEST Limited App.

14.2 Every G-INVEST Limited User shall:

• A. Logout from G-INVEST Limited App every time they leave the device they use for G-INVEST Limited App;
• B. keep safe and password protected any device with the installed G-INVEST Limited App used to access G-INVEST Limited App;
• C. not record or disclose their login/username or password;
• D. change their password regularly;
• E. if You receive any SMS text or e-mail or questionnaire from any poll or any other link that requires You to disclose Your password, You shall keep it secret and immediately contact Our support office through G-INVEST Limited App;
• F. ensure that a device used for Our communication is protected and kept safe so as to allow access only to the G-INVEST Limited User because email and mobile phone may be used for password reset;
• G. not to disclose any data related to the security of the G-INVEST Limited App; if there are any suspicions that a password is lost or stolen or became known to an unauthorised person, You shall advise the G-INVEST Limited support service immediately;
• H. not to use any such function that can enable the recording of the username/password on such devices that the User uses to access G-INVEST Limited App.

14.3 If You become aware of any abuse, theft or unauthorised use of a username, password, PIN or any other actions which seem suspicious to You, You must contact the support services through G-INVEST Limited App. If You suspect any offence, We recommend that You simultaneously report it to criminal authorities.

15. Limitations on G-INVEST Limited Services

15.1 It is prohibited to:

• A. use G-INVEST Limited services for any illegal purpose, including but not limited to the following: fraud and money laundering, illegal transactions in sexual materials or services, forged goods, illegal gambling, sale, and purchase or facilitating sale and purchase of any illegal goods and services, the financing of terrorist organizations, illegal sale or purchase of tobacco, weapons, prescription medicines, and any other controlled or prohibited substances. G-INVEST Limited shall report any suspicious activities and cooperate with all relevant law enforcement and regulatory bodies;
• B. use G-INVEST Limited services for abuse, operation, and bypass any restrictions imposed by business in relation to their services or to obtain any goods or services without payment of due amounts in full or in part;
• C. violate these Terms and Conditions and any other regulations or rules agreed upon with G-INVEST Limited;
• D. use G-INVEST Limited services to violate laws, regulations, orders, and judgments;
• E. infringe copyright, patents, trademarks, trade secrets or any other intellectual property rights, publicity right or privacy rights of G-INVEST Limited or any third persons;
• F. act in any discrediting, libellous, intimidating, or molesting manner by using G-INVEST Limited services;
• G. disclose misleading, incorrect or false information;
• H. instruct Us to transfer or accept on Your behalf money that We reasonably believe to be obtained in an allegedly illegal way;
• I. refuse to cooperate with any due diligence investigations or refuse to provide the required information in order to pass the due diligence process;
• J. manage a G-INVEST Limited Account that is allegedly involved in the above-mentioned activities;
• K. perform any actions that can unreasonably or excessively overburden Our infrastructure; facilitate any viruses, trojan horses, worms, or other software that can damage, have unfavourable effects on, secretly listen to or steal any information system, data or information; run anonymized proxy servers; use any robots, spiders or other automated or manual devices to track or copy Our websites without Our prior written consent; interfere or attempt to interfere with G-INVEST Limited services;
• L. perform any actions which can cause any loss of service of Our online service providers, payment processors or any other vendors;
• M. insult Our employees, trade representatives or any other G-INVEST Limited users;
• N. refuse to cooperate with any investigation or refuse to provide identification documents or information that You failed to disclose;
• O. use G-INVEST Limited services in any way that We believe violate some of the relevant electronic payment rules, payment system or network rules or the relevant regulations;
• P. refuse or fail to disclose any detailed information related to You or Your business, which We may reasonably request;
• Q. disclose Your personal password to any person or use a personal password of any other person.

15.2 If G-INVEST Limited at its own discretion believes that You could breach these Terms and Conditions, We may make efforts to protect ourselves, other G-INVEST Limited users and any third parties. Such efforts may include, but not be limited to the following:

• A. contact other G-INVEST Limited users who made transactions with You or Your bank and/or warn other G-INVEST Limited users, law enforcement or third parties that can be affected by Your activities;
• B. update incorrect information provided by You;
• C. take the relevant legal steps;
• D. terminate Our business relations or Your access to the website;
• E. cancel the G-INVEST Limited transaction in full or in part.

15.3 If possible, G-INVEST Limited shall disclose information related to the relevant efforts unless We are prohibited from doing this under the relevant legal regulations, which prohibit the disclosure of confidential information of the third party or interference with the investigation.

16. General Liability

16.1 As a G-INVEST Limited User hereunder You shall be liable for Your actions and omissions. You shall be also liable for all obligations, liabilities or any other responsibilities related to G-INVEST Limited, G-INVEST Limited users or the third party due to the breach of these Terms and Conditions by using Your G-INVEST Limited services and Your G-INVEST Limited Account. You shall indemnify G-INVEST Limited, G-INVEST Limited users or the third party for all liabilities as provided by law.

16.2 You shall be responsible for Your understanding and compliance with all laws, rules, and regulations within Your specific jurisdictions, which are related to Your use of G-INVEST Limited services.

16.3 To the extent that applicable law permits, G-INVEST Limited shall not be liable, and You agree that You will not hold it liable for any damages or losses (including but not limited to the loss of money, goodwill or reputation, profits, and any other intangible losses and any exceptional, indirect or consequential damages) directly or indirectly resulting from:

• A. activities of G-INVEST Limited App users based on Your orders according to these Terms and Conditions and any limitations imposed by G-INVEST Limited App,
• B. actions or omissions of the third parties,
• C. suspensions or any other steps made in relation to Your G-INVEST Limited Account,
• D. illegal steps and operations of the third parties made by the use of false and/or illegal documents or data obtained illegally,
• E. any loss or damage caused by malware, spyware, phishing, virus, or any other technological attacks or harmful material that may infect Your computer equipment, software, data, or other proprietary material related to Your use of G-INVEST Limited App.

16.4 You are liable for breaking these Terms and Conditions or applicable laws. In the unlikely event of loss or claims or costs and expenses arising out of Your breach of these Terms and Conditions, any applicable law or regulation, and/or Your use of Our Services, You agree to compensate Us and Our affiliates and hold Us harmless. This provision will continue after Our business relationship ends.

17. Cancellation of Your G-INVEST Limited Account

17.1 Your G-INVEST Limited Account shall be cancelled after the termination of these Terms and Conditions according to Clauses 18 (Amendments to These Terms) and Clauses 19 (Termination).

18. Amendments to These Terms

18.1 We may propose to You at any time amendments to these General Terms and Conditions and the Price List, no later than:

• A. 2 months before the effective date of the amendment to the Terms and Conditions specified in the proposal, if You are a consumer, or
• B. no later than 15 days before the effective date of the amendment to the Terms and Conditions specified in the proposal if You are not a consumer.

18.2 It is agreed between You and Us that it shall be deemed that You have accepted Our proposal for an amendment to these Terms and Conditions:

• A. if We have proposed the amendment to these Terms and Conditions no later than 2 months before the proposed effective date of the amendment, if You are a consumer, or no later than 15 days before the proposed effective date of the amendment, if You are not a consumer;
• B. if You have not rejected the proposal for an amendment to these Terms and Conditions before the effective date of the amendment;
• C. in case You are a consumer, if We have informed You of this consequence in the proposal for an amendment to these Terms;
• D. in case You are a consumer, if We have informed You in the proposal for an amendment to these Terms and Conditions of Your right to terminate these Terms and Conditions in accordance with Clause 18.3;
• E. if You have accepted Our proposal for an amendment to these Terms and Conditions via G-INVEST Limited App before the proposed effective date of the amendment.

18.3 If You are a consumer and if You reject Our proposal for an amendment to these Terms and Conditions in the case referred to in Clause 18.2, You may terminate these Terms and Conditions free of charge and with immediate effect prior to the proposed effective date of the amendment.

18.4 If any amendments to these Terms and Conditions are required by law or related to a new service or option added to the existing services or a reduction in the service price or any other change that does not limit Your rights or increase Your liability, such amendments may be made without prior notification with an immediate effect.

19. Termination

19.1 It is agreed that We may terminate these Terms and Conditions at Our own discretion at any time; in such case these Terms and Conditions shall terminate upon expiry of a two-month notice period if You are a consumer or of a ten days period if You are not a consumer.

19.2 You may terminate these Terms and Conditions at Your own discretion at any time; in such case these Terms and Conditions shall terminate upon expiry of a one-month notice period if You are a consumer or of a two-month period if You are not a consumer. If You terminate these Terms and Conditions earlier than after 6 months entering into these Terms and Conditions, We may charge You a fee corresponding to Our costs incurred in connection with Your termination.

19.3 No termination of these Terms and Conditions shall affect any of Your rights or obligations that arose before the date of termination and shall survive such termination due to their features.

19.4 We or You may withdraw from these Terms and Conditions in cases stipulated by the law, i.e., in particular if the other party fundamentally breaches these Terms and Conditions or if the other party fundamentally breaches its contractual duty by its default. Upon withdrawal, these Terms and Conditions are terminated from the moment the notice of withdrawal has been delivered to the other party.

19.5 If you are in breach of these Terms and Conditions (including the breach of Your obligation to repay all outstanding debts), We may terminate these Terms and Conditions in accordance with the above provisions and/or:

• A. suspend Your use of the G-INVEST Limited Services (in full or in part),
• B. report any G-INVEST Limited transaction or any other relevant information about You and Your use of G-INVEST Limited services to the relevant regulatory or law enforcement authority and/or ministry; and/or
• C. claim damages from You.

19.6 We are entitled to unilaterally without prior notice to immediately close the G-INVEST Limited Account and terminate these Terms, notifying You in writing if:

• A. You have provided Us with false information or documents;
• B. You have not provided to Us within the set timeframe with the requested information (documents) or have provided false or incomplete information (documents);
• C. We believe or have established that the documents provided by You are counterfeit and/or information (documents) do not correspond to the actual circumstances;
• D. We believe or have established that there is an unidentified and unauthorised individual acting on behalf of You;
• E. We believe or have established that the true beneficiary indicated by You is a different person;
• F. We believe or have determined that You have tried or are using Our services for illegal purposes – for fraud or other illegal activity;
• G. There is reasonable suspicion that the Customer, a person related thereto (including its member or ultimate beneficial owner), business partner of the Customer and beneficial owner of a transaction (such as the final recipient of actual assets, goods or services) corresponds to at least one of the following criteria:
• i. is a person subject to sanctions;
• ii. is located or established in the country or territory subject to sanctions;
• iii. is directly or indirectly related to the person (including any institution, organisation or other legal establishment), country or territory subject to sanctions;
• H. There is a reasonable suspicion that the relevant Service or transaction initiated by the Customer (including the one that provides a benefit to the Customer) is directly or indirectly related to:
• i. the person (including any institution, organisation or other legal establishment) subject to sanctions;
• ii. the goods or services subject to sanctions;
• iii. the country or territory subject to sanctions;
• I. You have a negative G-INVEST Limited Account Balance; In case of negative Balance, We may forward your debt to debt collecting agency;
• J. Your risk rating increases to unacceptable level;
• K. We have reasonable grounds to suspect that You or your funds in the G-INVEST Limited Account are involved in fraudulent activity and proliferation financing or other illicit activities;
• L. We have information about extraordinary circumstances beyond Our control that may affect the safety or confidentiality of Your and / or other Our customers’ funds or inflict losses;
• M. Transactions, reputation, economic activity, personal activity or any other activity or inactivity of the Customer or a person related to it (including its true beneficiary) have or may have adverse consequences for G-INVEST Limited, been abusive to anyone at G-INVEST Limited or it’s related companies or persons, or put Us in a position where We might break the law or attempted to break the law;
• N. We have information that You are involved in an illegal activity and / or other negative information about You or related to You that could damage Our reputation;
• O. Our right to terminate the Terms and Conditions immediately results from the regulatory enactments binding to Us;
• P. if You have not performed transactions on the G-INVEST Limited Account for more than 6 (six) consecutive months.;
• Q. in accordance with 4.14

19.7 Prior to closing the G-INVEST Limited Account for any reason:

• A. We will debit the G-INVEST Limited Account for the funds due to Us pursuant to the Terms and Conditions or other agreements concluded with Us, and.
• B. You must transfer from Your G-INVEST Limited Account to Your own account opened with a credit institution with all funds remaining after deducting the fees payable to Us for this transaction.

19.8 If there are funds left on the G-INVEST Limited Account and they are not transferred from the G-INVEST Limited Account at the time it is already closed, We are entitled to charge the relevant fees and charges provided in Your Price List.

19.9 Notwithstanding the Clause 19.7, We are entitled to hold Your funds and not execute a payment order for as long as permitted by law in order to protect Our interests or a third party’s interest.

20. Miscellaneous and Final Provisions

20.1 G-INVEST Limited may record and store all communications between You and G-INVEST Limited to verify the instructions and actions performed, protect its own legal rights, and improve the services and training of its employees. Personal data shall be processed according to the Privacy Rules published on Our website.

20.2 Payment services provided by Us may include currency exchange operations in which case You may be exposed to foreign exchange risk which is out of Our control. In particular, You may suffer losses due to an adverse movement in the exchange rate of the denomination currency in relation to the base currency before the date when the payment transaction is completed.

20.3 Only You and we have any rights under these Terms and Conditions. The Terms and Conditions are personal to You and You cannot transfer any rights or obligations under these Terms and Conditions to anyone else.

20.4 We will only transfer any of Your and our rights or obligations under these Terms and Conditions if we reasonably think that this would not have a significant negative effect on Your rights under these Terms and Conditions or if we need to do so to meet any legal or regulatory requirement.

20.5 The Laws of England and Wales apply to these Terms. If these Terms and Conditions are translated into another language, the translation is for reference only and the English version will apply.

20.6 If We fail to exercise any right following these Terms and Conditions or the relevant regulations, this shall not mean Our waiver thereof.

20.7 If any terms specified in these Terms and Conditions are held invalid or ineffective, the invalidity or ineffectiveness thereof shall not impair the validity of other provisions of these Terms and Conditions and all remaining provisions, which such invalidity or ineffectiveness does not relate to, shall remain valid and effective to the full extent.

20.8 Unless the context requires otherwise, all words in the singular shall include the plural and vice versa.

20.9 Unless the context requires otherwise, one gender shall include all other genders.

20.10 Any reference to a provision of law or regulation shall refer to their latest version, advanced version, or newly adopted version.

20.11 Any reference to a written form shall also include e-mail and online banking of the G-INVEST Limited App.

20.12 Any obligation of either party hereto to avoid doing something shall include its obligation to prevent doing something.

20.13 Any reference to these Terms and Conditions or any other agreement or document referred by these Terms and Conditions shall be a reference to these Terms and Conditions or any other agreement or document as may be amended and restated from time to time (in any case, there is no breach of these Terms and Conditions).

20.14 Any words used after the expressions “including”, “in particular” or any similar words shall be interpreted to be illustrative without limiting the meaning of words, descriptions, definitions, phrases or terms preceding such Terms and Conditions.

20.15 Any attachments hereto shall be an integral part of these Terms and Conditions where You and G-INVEST Limited express Your consent with the use of specific services as they are defined in such attachments.

Collection and Use of G-INVEST Limited customer Information (Opt-in)

20.16 By providing your personal data (i.e., email address and telephone number) to Us and by accepting these general terms and conditions you are actively giving your consent (opting-in) to the processing of Your personal data for the purpose of receiving services and specific additional information provided by G-INVEST Limited.

20.17 If You wish to opt-out from receiving the commercial communication from G-INVEST Limited (i.e., information about G-INVEST Limited’s new products, special offers, etc.), you can unsubscribe from it at any time by providing a statement through G-INVEST Limited’s website or mobile application and instructing G-INVEST Limited not to use your personal information such as email address and telephone number for this purpose.

20.18 Your personal information shall only be used and collected for the purposes outlined within these terms and in compliance with G-INVEST Limited’s privacy policy, as well as in compliance with any further consent that G-INVEST Limited receives from You and/or otherwise permitted or required by law.

20.19 In case of you withdrawing your consent (except for the withdrawal of consent to receive commercial communication), we may not be able to comply with some of the provisions outlined in the privacy policy, such as the use of services made available on our Web & mobile application software, as well as protecting of our legal interests, including prevention of unlawful activities and thus, may be forced to block and delete your G-INVEST Limited Account.

20.20 G-INVEST Limited will store Your personal data for no longer than 7(seven) years from the date of termination. Your data will be stored beyond this retention period if such retention is justified for statutory, regulatory, legal or security reasons or for their historic value.

20.21 The Client is informed about the use of OTP (One Time Password) text messages use and gives his consent to receive such messages from G-INVEST Limited.

20.22 OTP text messages will be sent to the Client either upon the Client’s phone number provision while opening an account with G-INVEST Limited or upon updating contact information in the Client’s online profile.

G-INVEST Limited — GENERAL TERMS AND CONDITIONS | Effective from 24/05/2024 | https://g-invest.me/