1. Our service, our commitment

Please read these terms and conditions (the ‘Terms and Conditions’) carefully before using the Invest Platform or using any of our services. These Terms and Conditions together with your Application set out the agreement relating to your use of the Invest Wallet Profile and all related services (the ‘Agreement’). In this Agreement: ‘Invest Wallet’ means New Generation Market SIA, a business with its head office at Churerstrasse 25, 8808 Pfäffikon,Switzerland; ‘E-Money Provider’ can mean one of several providers that permit the platform to hold, send and/or trade customer funds through their authorised service; and ‘Collaborating Providers’, one of which is the ‘Marketplace Provider’ refers to several providers whose roles and terms and conditions can be found below in this same document. Their role is to contribute to the overall experience and Service provided to the consumer. In this Agreement and in the corresponding Privacy Policy ‘Invest’, ‘we’, ‘us’ or ‘our’ mean the ultimate service provided to the consumer by Invest Wallet, E Money Provider and Collaborating Providers together. All services provided to you under this Agreement which are regulated as e-money and/or payments services are exclusively provided by the E-Money Provider (and never by Invest Wallet) and any other services provided to you under this Agreement are provided by Invest Wallet or Collaborating Providers. By confirming that you agree to the terms of this Agreement when submitting an application for an Invest Wallet Profile, or by using a product such as the Invest Account and/or using our services after you have been notified of any changes to this Agreement, you accept this Agreement. If there is anything you do not understand, please don’t hesitate to contact Customer Services using the contact details in this Agreement.

2. Conditions of use and Service

2.1 The use of the App and its content is voluntary and falls under the responsibility of the user. 2.2 You must not access without authority, penetrate, interfere with, damage or disrupt (or attempt to do any of the same) any part of the Service or its security measures, any servers, other equipment or networks connected to the Service or on which it is stored or any software used in the provision of the Service, including in each case by transmitting any worms, computer viruses, malware, logic bombs, Trojan horses, spyware, harmful components or any other software, code or data of a corrupt, destructive, malicious or disruptive nature (together ‘Viruses’). You also agree to take steps to ensure that the hardware and software that you employ to access the Service does not introduce any form of computer Virus or similar item into the Service, and agree to indemnify us for any loss that it may suffer as a result of such introduction. 2.3 You must not inject content or code or otherwise alter or interfere with the way any page of the Service is rendered or displayed in a user’s browser or device. 2.4 You must not access the Service via a means not authorised by Invest, including, but not limited to, automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies which are used by a search engine with Invest’s express written consent). 2.5 You must not change, modify, adapt or alter the Service or change, modify, adapt or alter another website so as to inaccurately imply an association with the Service or with Invest, except in those reference by websites owned by the Collaborating Providers. 2.6 Invest does not accept unsolicited content, information, ideas, suggestions or other materials except where Invest has set out specific criteria and conditions for submitting them and you agree not to submit them except in accordance with those criteria and conditions. 2.7 Where you do submit unsolicited content, information, ideas, suggestions or other materials submitted in breach of the previous paragraph, you agree that we may use such content, information, ideas, suggestions or other materials for any purpose whatsoever, including, without limitation, developing and marketing products and services without any liability or payment or recognition of any kind to you.

Avoid computers with public access

For security purposes, avoid using ‘public access’ computers (like those in internet cafes, hostels or copy shops) to perform secure transactions. These computers are particularly susceptible to malware. Be sure that the WiFi you use for any bank connection is secured with ‘WPA 2’ security. The former WEP (Wired Equivalent Privacy) standard is outdated and is no longer considered secure. Without using the newest standard, cyber criminals could intercept your internet connection and compromise your personal data. If you use public WiFi networks, there’s a higher risk that your online banking data could be compromised. Alternatively, you can use mobile banking without WiFi using your phone’s cell service Regularly check your account’s activity. Respond immediately if you notice any unusual account movements. If you still use a traditional bank, or outside of business hours, you can call customer service to block your account. Note that traditional banks often charge a fee to block your account. With the Invest-Wallet, you can track your account’s movements in real time and receive notifications for each transaction. Our support team is available to help on any issue you find, and we’re constantly working to give you more access and control over your account while keeping it safe.

3. Service Object

3.1 The Service means that Invest will permit the User, through appropriate electronic means, to: 3.1.1 Create an Invest Wallet Profile, subject to the appropriate means of encryption, including mechanisms or computing applications for digital identification; 3.1.2 Have an email address and the associated profile from which a user can realise timely investments; 3.1.3 Have access to a digital platform or ‘Dashboard’ from which the user can: Access an up to date view of their respective accounts View personal data relating to their Invest Wallet Profile Supervise and control their portfolio or investments and their situations Submit investment, divestment or orders of another nature deemed appropriate to the Peer-to-Peer or Loan Originator platforms. 3.2 In order to deliver the service, Collaborating Providers are used and, through the present Terms and Conditions the User accepts the Terms of Use and Privacy Policies from each of these companies, without prejudice that any of these may require additional consent or validation necessary for the part of the Service they are in charge of. A link to the terms and conditions of the aforementioned companies, can be found here. 3.3 The authorisation described in the previous points, allows Invest to implement and approve not only the Terms of Use and Privacy Policies of each Collaborating Providers but also open additional P2P or Loan Originator accounts in the name of and on behalf of the User as well as submit, where appropriate, and in the terms and conditions previously selected by the User on the dashboard, investment, divestment or orders of another nature to the Peer-to-Peer Platforms or Loan Originators added to Invest. 3.4. The aforementioned authorisations remains during the Service term and expires on the termination of the service.

4. Service Access and User Registration

4.1 The User accepts the present Terms and Conditions of use when the User submits their email to register as a User. 4.2 The User must provide us with all the documentation we request from them to prove the User is who they say they are, such as a proof of identification, proof of address, or proof of source of funds. In the case the User is a legal person, legal documents must be provided which justify and prove their registered address, that they exist in accordance with their national laws, as well as the identity of the persons that are authorised to represent the legal person during the registration process of the User and in the delivery of the Service which Invest Wallet and the Collaborating Providers are responsible for. 4.3 The User will receive registration confirmation from Invest in the form of an email sent by the Invest team. From this moment, these Terms and Conditions and those from the Collaborating Providers as well as their respective Policies will be in force. As such, Invest, along with the Collaborating Providers, will be able to offer the Service. 4.4 In this case, the User will receive a confirmation request to accept the terms of use and policies from the Collaborating Providers if it is required from ordinary users in their registration process.

Update your mobile operating system

We recommend that you regularly update the operating system of your smartphone. Manufacturers frequently issue software updates to protect against new safety defects.

Access to personal accounts and Invest Authorisation

5.1 So that Invest can provide the User the Service described in Clause 3, the User authorises, through the present Terms and Conditions, Invest to share the required User’s personal information with the Collaborating Providers. Through the present Terms and Conditions, the User accepts that in their case and always where necessary to provide the Service, all or some of the Collaborating Providers will automatically download transactional data related to the personal account(s) of the User and will continue doing so at certain points in time until the User revokes their consent for the Collaborating Providers to do so. 5.2 Invest Wallet and the Collaborating Providers can use the information in the User’s personal account only to provide the Service or for the purposes described in these Terms and Conditions and the Privacy Policy of Invest Wallet and/or of the Collaborating Providers. 5.3 Users are permitted to use the content obtained through the Service only on our website. As such, you must not copy, reproduce, distribute or create derivative work from this content. 5.4 You agree that when we retrieve your information relating to your Personal Account(s) or your information required as part of the provision of the Service, we are doing so as your representative and on your behalf and not on behalf of or in the name of any third party. 5.5 We will only give your personal information to other third parties where the law either requires us to do so or where it is necessary for us to provide the Service. 5.6 We do not check the accuracy of the Personal Account(s) information and personal information you provide to us and we rely on you and your Personal Account providers to ensure that the Personal Account(s) information and personal information you provide to us is up to date and accurate. 5.7 By using the Service, you represent that you are the legal owner of the data in your Personal Accounts and that you have the authority to appoint, and do expressly appoint, our Collaborating Providers and/or its third party providers as your agent and grant a limited power of attorney to access and retrieve such data on your behalf. 5.8 For our compliance purposes and in order to provide the Service to you, you hereby authorise us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Personal Account information. When you register for the Service and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you. 5.9 You agree that our third-party services providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

6. Packages and services from Invest Collaborating Providers

6.1 Your browsing and interaction on any other website or your use of other services, including websites and services which have a link to the Service that we offer through the collaboration provided by the Collaborating Providers, is subject to the rules, general terms and conditions and privacy policies and cookies policies of the relevant website or service. Please read the applicable rules, general terms and conditions and privacy policies and cookies policies of that website or service before proceeding. 6.2 The Service, or communications from it or comments within it, may include links to third-party websites, applications, rules, general terms and conditions and privacy policies and cookies policies of third parties (hereinafter ‘Collaborating Providers’). These links exist in order to complete the Service. 6.3 Some parts of the Service are supported by links from advertisers that may be custom matched to the User based on information stored in the Service, queries made through the Service or other information. We do not warrant or guarantee the products or services available through the links. We do not guarantee that any loan, investment, account or other service terms, rates or rewards offered by any particular advertiser are actually the terms that may be offered to you if you pursue the offer, or that they are the best terms or lowest rates available in the market. Invest assumes no responsibility for the content or operation of Third Party Services and we will not be liable for any loss or damage that may arise from your use of them (or such content).

7. Website data and information: charges and security

7.1 The User agrees that they are responsible for any and all data charges they incur from mobile service providers, internet service providers or other data providers in using the Service. 7.2 We cannot guarantee that the Service will always be free from Viruses. The User is responsible for configuring their information technology (including your mobile telephone) in order to access the Service and for the security of their internet connection. The User should use their own virus protection software.

8. Our right to change these Terms

8.1 We expect to need to update or amend these Terms from time to time to comply with the law or to meet our changing business requirements. 8.2 We reserve the right, in our sole discretion, to change these Terms and Conditions from time to time (hereinafter ‘Amended Terms’). Your use of the Service after the effective date of the Amended Terms (or engaging in such other conduct as we may reasonably specify) constitutes your agreement to the Amended Terms and the Amended Terms will apply to your use of the Service from that point forward. These Terms and Conditions will continue to govern any disputes arising before the effective date of the Amended Terms.

9. Warranties

9.1 The User expressly understands and agrees that: The User of the Service and all information, products and other content (including that of third parties) included in or accessible from the Service is at the sole risk of the User, The Service is provided on an ‘as is’ and ‘as available’ basis. We and our Collaborating Providers, expressly disclaim all warranties of any kind as to the Service and all information, products and other content (including that of third parties) included in or accessible from the Service, whether expressed or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. 9.2 We and our Collaborating Providers make no warranty that: the Service will meet your requirements; the Service will be uninterrupted, timely, secure, or error-free; the results that may be obtained from the use of the Service will be accurate or reliable; the quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations; or any errors in the technology will be corrected. 9.3 Any material downloaded or otherwise obtained through the use of the Service is done at the discretion and risk of the User and they are solely responsible for any damage to computer systems or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by the User from our Collaborating Providers or us through or from the Service will create any warranty not expressly stated in these Terms.