Terms and Conditions

1. Acceptance of Terms

Welcome to Terms And Conditions - Union Wealths. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Terms And Conditions - Union Wealths, Inc. ("Company," "we," "us," or "our") regarding your use of our website, mobile application, and services (collectively, the "Services").

By accessing, browsing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Services.

2. Definitions

• "Account" means your registered account with Terms And Conditions - Union Wealths
• "AI Trading" means automated trading using artificial intelligence algorithms
• "Digital Assets" means cryptocurrencies and other digital tokens
• "Financial Instruments" means stocks, bonds, ETFs, forex, commodities, and other tradeable assets
• "Platform" means our trading platform and related services
• "Trading Bot" means automated trading software that executes trades on your behalf
• "User Content" means any content you submit or upload to our Services

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into binding agreements
• Not be prohibited from using our Services under applicable laws
• Reside in a jurisdiction where our Services are legally available
• Complete our identity verification process (KYC/AML)

3.1 Restricted Jurisdictions

Our Services are not available to residents of certain jurisdictions, including but not limited to:

• United States and its territories
• Countries subject to international sanctions
• Jurisdictions where our Services would violate local laws

4. Account Registration

4.1 Account Creation

To access our Services, you must create an account by providing accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use
• Keeping your account information up to date

4.2 Identity Verification

We require identity verification (KYC) before you can use our Services. You must provide:

• Government-issued identification documents
• Proof of address
• Additional documentation as requested
• Accurate personal and financial information

4.3 Account Limits

You may only maintain one account. Multiple accounts may result in suspension or termination of all accounts.

5. Our Services

5.1 Trading Services

We provide AI-powered trading services across multiple asset classes, including:

• Cryptocurrency trading
• Stock market trading
• Foreign exchange (Forex) trading
• Bond trading
• ETF trading
• Commodity trading

5.2 AI Trading Algorithms

Our AI trading algorithms:

• Analyze market data and execute trades automatically
• Operate based on your risk preferences and settings
• May be updated or modified without prior notice
• Do not guarantee profits or prevent losses

5.3 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. Services may be temporarily unavailable due to:

• Scheduled maintenance
• Technical issues
• Market closures
• Regulatory requirements

6. Trading Risks

6.1 General Risks

• Market Risk: Asset prices can fluctuate rapidly and unpredictably
• Liquidity Risk: You may not be able to exit positions when desired
• Technology Risk: System failures may affect trading execution
• Regulatory Risk: Changes in laws may impact trading activities

6.2 AI Trading Risks

• AI algorithms may not perform as expected
• Past performance does not guarantee future results
• Algorithms may experience technical failures
• Market conditions may change rapidly, affecting AI performance

6.3 Cryptocurrency Risks

• Extreme price volatility
• Regulatory uncertainty
• Technology and security risks
• Limited acceptance and liquidity

7. Fees and Charges

7.1 Trading Fees

We charge the following fees:

• Performance Fee: 20% of net profits
• Trading Fee: 0.1% per transaction
• Withdrawal Fees: As disclosed at the time of withdrawal

7.2 Fee Changes

We reserve the right to modify our fee structure with 30 days' notice. Continued use of our Services after fee changes constitutes acceptance of the new fees.

7.3 Third-Party Fees

You are responsible for any fees charged by third parties, including:

• Bank transfer fees
• Payment processor fees
• Network fees for cryptocurrency transactions

8. Deposits and Withdrawals

8.1 Deposits

• Minimum deposit: $100
• Deposits must be from accounts in your name
• We reserve the right to reject deposits
• Processing times vary by payment method

8.2 Withdrawals

• Withdrawals processed within 24-48 hours
• Additional verification may be required
• Withdrawals only to verified accounts
• We may limit withdrawal amounts for security reasons

8.3 Anti-Money Laundering

We comply with AML regulations and may:

• Monitor transactions for suspicious activity
• Request additional documentation
• Report suspicious activities to authorities
• Freeze accounts pending investigation

9. Prohibited Activities

You agree not to:

• Use our Services for illegal activities
• Manipulate markets or engage in fraudulent trading
• Attempt to hack or compromise our systems
• Create multiple accounts
• Share your account with others
• Use automated systems without authorization
• Violate any applicable laws or regulations
• Engage in money laundering or terrorist financing

10. Intellectual Property

10.1 Our Rights

All content, software, and technology used in our Services are owned by us or our licensors and are protected by intellectual property laws. This includes:

• Trading algorithms and AI technology
• Website design and user interface
• Trademarks, logos, and branding
• Documentation and educational materials

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our Services for their intended purpose. You may not:

• Copy, modify, or distribute our software
• Reverse engineer our algorithms
• Use our intellectual property for commercial purposes
• Remove copyright or proprietary notices

11. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Disclaimers

12.1 No Investment Advice

Our Services do not constitute investment advice. We do not recommend specific investments or trading strategies. All trading decisions are your responsibility.

12.2 No Guarantees

We make no guarantees regarding:

• Trading profits or performance
• Continuous service availability
• Accuracy of market data
• Execution of trades at specific prices

12.3 Service "As Is"

Our Services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

13. Limitation of Liability

To the maximum extent permitted by law, Terms And Conditions - Union Wealths shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or trading opportunities
• Loss of data or information
• Business interruption
• System failures or downtime

Our total liability to you shall not exceed the amount of fees paid by you to us in the 12 months preceding the claim.

14. Indemnification

You agree to indemnify, defend, and hold harmless Terms And Conditions - Union Wealths and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of applicable laws
• Your trading activities

15. Termination

15.1 Termination by You

You may terminate your account at any time by contacting customer support. Upon termination:

• All open positions will be closed
• Remaining funds will be returned (minus applicable fees)
• Your access to Services will be revoked

15.2 Termination by Us

We may terminate or suspend your account immediately if:

• You violate these Terms
• We suspect fraudulent activity
• Required by law or regulation
• You become ineligible to use our Services

15.3 Effect of Termination

Upon termination, all rights and obligations under these Terms shall cease, except for provisions that by their nature should survive termination.

16. Dispute Resolution

16.1 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve disputes through direct negotiation with our customer support team.

16.2 Binding Arbitration

Any disputes that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in New York, NY.

16.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in New York, NY.

18. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications
• Displaying notices on our platform

Your continued use of our Services after changes become effective constitutes acceptance of the modified Terms.

19. Contact Information

If you have questions about these Terms, please contact us: