1.1. These terms and conditions apply to the Interest FD service provided by the Platform. They are part of the Platform’s User Agreement. In case of conflict, the Platform’s decision is final.

1.2. By using the Services, you agree to these terms, the Conditions, and all Platform rules.

1.3. If the Platform uses third-party service providers, you agree to:

(i) enter into any such contracts with any third-party service provider that the Platform deems necessary to provide the Services; (ii) provide necessary information; and (iii) be bound by their terms and conditions.

1.4. The Platform is not responsible for third-party services and makes no claims about their accuracy or reliability.

1.5. Terms not defined here have the same meaning as in the Conditions.

2.1. You must be a registered User to access the Interface and meet certain qualifications for approval.

2.2. You acknowledge the Platform is not a bank, and your account is not a bank account.

2.3. The Platform makes no guarantees that the Services are available in all jurisdictions.

2.4. You opt-in to specific products on the Platform, each with different terms and conditions. You agree to follow instructions and comply with service rules.

2.5. The Platform reserves the right to make final decisions regarding the distribution of Interest FD products, including the suspension or termination of Services based on market conditions.

2.6. The Platform may change these terms and conditions, and program terms, without notice.

2.7. The Platform may change these terms and conditions, and service terms, without notice.

2.8. The Platform does not guarantee that you will receive the interest or earnings mentioned, as these are estimates.

3.1. You acknowledge the risks associated with the Interest FD product service, including: (i) no bank regulation or insurance; (ii) no securities registration; (iii) interest rates and earnings are not guaranteed.

4.1. You represent and warrant that (i) you have the right to deposit assets; (ii) you acknowledge the risks; and (iii) you had the opportunity to ask questions about the program.

4.2. You further undertake to (i) use the Services in good faith; (ii) not use the Services for fraud or criminal activities; (iii) not provide false information to the Platform; (iv) not interfere with the Platform’s network; and (v) immediately the Platform of any changes in your information.

5.1. The Platform is not liable for failure to provide benefits due to acts of God, government actions, equipment failure, terrorism, natural disasters, or other uncontrollable causes.

6.1. You agree to indemnify the Platform against losses arising from your use of the Services, except for those caused by the Platform’s willful misconduct or gross negligence.

7.1. Neither party is liable for incidental, special, exemplary, punitive, indirect or consequential damages.

8.1. The Platform may terminate or cancel the Services at any time with written notice.

8.2. Upon termination or cancellation, you are entitled to recover your assets.

8.3. Termination or cancellation does not prevent parties from seeking remedies for breaches prior to termination.

9.1. You may not transfer your rights and obligations without the Platform’s written consent.

10.1. If you have any questions regarding Interest FD product services, please contact Customer Service at “Helpdesk” for assistance.