Welcome to Investa Exchange Markets. This Privacy Policy outlines the types of personal information we collect and how we use, store, and protect it.

Types of Information Collected

• Personal Identification: Full name, address, email, etc.
• Financial Information: Credit card details, bank account, etc.
• Activity Data: Trading history, strategy choices, etc.

Purpose of Collection

• To enable account creation and login
• For transactional purposes
• To improve user experience

Data Storage and Security

• Encryption: All data is encrypted and stored securely.
• Access Control: Strict access controls are in place to prevent unauthorized access.

Third-Party Sharing

We do not sell, trade, or transfer your data to third parties unless required by law

Terms and Conditions

Welcome to www.investaexchangemarkets.com (referred to as “the Website” or “the Platform”). Please carefully read and understand the following Terms and Conditions (“Terms”) as they constitute a legally binding agreement between you (“User” or “Client”) and Investa Exchange Marketsl Ltd (“the Brokerage” or “we”).

1. Acceptance of Terms

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using the Website.

2. Eligibility

You represent and warrant that you are at least 18 years of age and possess the legal capacity to enter into this agreement. If you are accessing the Website on behalf of an entity or organization, you affirm that you have the authority to bind such entity to these Terms.

3. Services

3.1 The Brokerage provides an online platform for foreign exchange trading and related services. The Website allows Users to access real-time market data, execute trades, monitor account activity, and access educational resources.

3.2 The Brokerage does not provide financial advice or guarantee the profitability of any trades. Users are solely responsible for their investment decisions and acknowledge that trading in the foreign exchange market involves risks.

4. Account Registration and Security

4.1 To access certain features and services on the Website, Users are required to register an account. Users agree to provide accurate and up-to-date information during the registration process.

4.2 Users are responsible for maintaining the confidentiality of their account credentials and ensuring the security of their account. Any activities conducted through a User’s account will be deemed the responsibility of the account holder.

5. User Conduct

5.1 Users agree to use the Website in compliance with all applicable laws and regulations. Users shall not engage in any activities that may disrupt or interfere with the operation of the Website or compromise the security and integrity of the Platform.

5.2 Users shall not engage in any fraudulent, deceptive, or illegal activities on the Website. Prohibited activities include but are not limited to unauthorized access, market manipulation, money laundering, or any activity that violates the rights of others.

6. Intellectual Property

6.1 All content, materials, and intellectual property displayed on the Website, including but not limited to logos, trademarks, graphics, text, and software, are the property of the Brokerage or its licensors. Users shall not use, reproduce, modify, or distribute any of these materials without obtaining prior written permission from the Brokerage.

7. Risk Disclosure

7.1 Users acknowledge that foreign exchange trading involves substantial risks and can result in financial losses. The Brokerage provides educational resources and risk disclosures, but Users are solely responsible for assessing and understanding the risks associated with trading.

8. Limitation of Liability

8.1 The Brokerage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use the Website, including but not limited to financial losses, trading losses, or damages resulting from unauthorized access to User accounts.

9. Indemnification

9.1 Users agree to indemnify and hold the Brokerage, its affiliates, directors, employees, and agents harmless from any claims, damages, losses, liabilities, and expenses arising out of or related to their use of the Website, violation of these Terms, or any breach of applicable laws.

10. Modification and Termination

10.1 The Brokerage reserves the right to modify or terminate the Website or any part thereof at any time without prior notice.

10.2 The Brokerage may also modify these Terms from time to time. Users will be notified of any material changes to these Terms, and continued

use of the Website after such modifications constitutes acceptance of the updated Terms.

11. Governing Law and Dispute Resolution

11.1 These Terms shall be governed by and construed in accordance with the laws of Saint Lucia. Any disputes arising out of or in connection with these Terms shall be resolved through arbitration in accordance with the rules of International Arbitration in the Caribbean.

12. Severability

12.1 If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

13. Entire Agreement

13.1 These Terms constitute the entire agreement between the User and the Brokerage concerning the use of the Website and supersede any prior agreements or understandings, whether written or oral.

14. Anti-Money Laundering (AML) and Know Your Customer (KYC) Obligations

14.1 Users acknowledge and agree to comply with all applicable anti-money laundering laws and regulations. The Brokerage may require Users to provide identification documents, proof of address, and other information for KYC purposes. Failure to provide requested information may result in the restriction or termination of the User’s account.

15. Deposits and Withdrawals

15.1 Users may deposit funds into their trading accounts through approved payment methods as specified on the Website. The Brokerage reserves the right to impose minimum deposit requirements and may charge fees for certain transactions.

15.2 Withdrawals of funds from User accounts shall be subject to the Brokerage’s withdrawal policies, including verification procedures and processing times. Users are responsible for any fees or charges associated with withdrawals.

16. Third-Party Websites and Links

16.1 The Website may contain links to third-party websites or resources that are not owned or controlled by the Brokerage. The Brokerage does not endorse or assume any responsibility for the content, privacy practices, or actions of any third-party websites. Users access such websites at their own risk.

17. Modifications to the Website

17.1 The Brokerage reserves the right to modify, update, or discontinue any part of the Website, including its features, functionalities, and user interface, at any time without prior notice.

18. Communications

18.1 By using the Website, Users consent to receive electronic communications, including promotional materials, updates, and notifications, from the Brokerage. Users can opt out of receiving marketing communications at any time by following the instructions provided in the communication.

19. Force Majeure

19.1 The Brokerage shall not be liable for any delay, failure, or interruption in the performance of its obligations under these Terms due to events or circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, or governmental actions.

20. Waiver

20.1 The failure of the Brokerage to enforce any provision of these Terms shall not be deemed a waiver of its right to enforce such provision in the future.

21. Survival

21.1 Sections such as Intellectual Property, Limitation of Liability, Indemnification, Governing Law and Dispute Resolution, and Severability shall survive any termination or expiration of these Terms.

Please note that this is a revised version of the document and should be reviewed by legal professionals to ensure compliance with local laws and regulations.

Trading involves risk. This Risk Disclosure aims to inform you of the risks associated with trading activities on Investa Exchange Markets.

Market Risk

• Volatility: Forex markets can be volatile, leading to the potential for significant losses.
• Leverage Risks: While leverage can amplify gains, it can also increase losses.

Operational Risk

• System Failures: Though rare, system failures can happen.
• Human Error: Mistakes can be made in the trading process, either by the user or by human oversight within the automated system.

Financial Risks

• Loss of Capital: The risk of losing your investment exists.

Acknowledgment

By using Investa Exchange Markets, you acknowledge that you understand the risks involved and accept responsibility for your trading activities.

Anti-Money Laundering (AML) Policy 1. Introduction

1.1 Investa Exchange Markets Ltd (referred to as “the Brokerage,” “we,” or “us”) is committed to preventing money laundering and complying with applicable laws and regulations related to anti-money laundering efforts. This Anti-Money Laundering (AML) Policy outlines our measures to detect, prevent, and report suspicious activities, as well as the client identification and verification procedures we implement.

Legal and Regulatory Framework

2.1 The Brokerage operates in accordance with the anti-money laundering laws, regulations, and guidelines of the jurisdictions in which we operate. We are committed to upholding the highest standards of integrity and complying with all relevant AML and counter-terrorism financing requirements.

Customer Due Diligence (CDD)

3.1 The Brokerage implements a risk-based approach to customer due diligence, which includes identifying and verifying the identity of our clients before establishing a business relationship or conducting transactions. The level of due diligence may vary based on the risk assessment of the client, transaction, and jurisdiction involved.

3.2 Client identification information may include, but is not limited to, full legal name, residential address, date of birth, nationality, government-issued identification documents, and contact details. We may also collect additional information and supporting documents as necessary to meet our AML obligations.

3.3 The Brokerage conducts ongoing monitoring of client accounts and transactions to detect and report any suspicious activities or unusual patterns that may indicate potential money laundering or terrorist financing.

Enhanced Due Diligence (EDD)

4.1 Enhanced due diligence measures are implemented for high-risk clients, countries, or transactions, as determined by our risk assessment processes. These measures may include obtaining additional information, conducting additional verification steps, and performing enhanced monitoring of the client relationship.

4.2 Politically Exposed Persons (PEPs) and individuals or entities associated with high-risk jurisdictions are subject to enhanced due diligence procedures to mitigate the increased risk of money laundering or corruption.

Suspicious Activity Monitoring and Reporting

5.1 The Brokerage maintains robust systems and controls to monitor client transactions, account activities, and other relevant data for the purpose of identifying and investigating suspicious activities.

5.2 If we identify any transactions or activities that raise suspicions of money laundering, terrorist financing, or other illegal activities, we will promptly report such activities to the appropriate regulatory authorities as required by law.

Record-Keeping

6.1 The Brokerage maintains comprehensive records of client identification information, transaction details, and relevant supporting documents in accordance with applicable AML laws and regulations. These records are securely stored and maintained for the required retention period as determined by the applicable jurisdiction.

Staff Training and Awareness

7.1 The Brokerage provides regular training and awareness programs to our employees to ensure they understand their AML obligations and are equipped to detect, prevent, and report suspicious activities. Staff members are trained on customer due diligence procedures, recognizing red flags, and the importance of maintaining confidentiality and reporting obligations.

Compliance Officer

8.1 The Brokerage appoints a designated compliance officer responsible for overseeing the implementation of the AML program, ensuring compliance with relevant laws and regulations, and addressing any AML-related concerns or issues.

Cooperation with Regulatory Authorities

9.1 The Brokerage cooperates fully with regulatory authorities, law enforcement agencies, and other competent authorities in their efforts to combat money laundering and terrorist financing. We provide necessary information and assistance in response to lawful requests and inquiries from these authorities.

AML Policy Updates

10.1 The Brokerage regularly reviews and updates its AML Policy to reflect changes in laws, regulations, and best practices. Any updates will be communicated to our employees, clients, and relevant stakeholders.

Risk Assessment

11.1 The Brokerage conducts regular risk assessments to identify, assess, and mitigate the money laundering and terrorist financing risks associated with our business activities. These assessments consider factors such as client types, geographical locations, transaction volumes, and emerging money laundering trends.

Know Your Customer (KYC) Procedures

12.1 The Brokerage has implemented robust Know Your Customer (KYC) procedures to ensure the identification and verification of clients’ identities and assess their suitability for the services offered.

12.2 The KYC procedures include verifying the accuracy and validity of client-provided information and conducting risk-based assessments of client backgrounds and activities.

Transaction Monitoring Systems

13.1 The Brokerage utilizes advanced transaction monitoring systems to detect and analyze patterns of suspicious activities and unusual transactions. These systems employ algorithms and filters to identify potentially high-risk transactions for further investigation.

13.2 The transaction monitoring systems are regularly updated and tested to ensure their effectiveness in identifying and reporting suspicious activities promptly.

Politically Exposed Persons (PEPs)

14.1 The Brokerage has implemented specific procedures to identify and conduct enhanced due diligence on Politically Exposed Persons (PEPs), as defined by relevant AML regulations. This includes senior foreign political figures, their immediate family members, and close associates.

14.2 Additional scrutiny is applied to PEP relationships to ensure that the risks associated with these individuals are appropriately managed.

Training and Awareness Programs

15.1 The Brokerage provides comprehensive and ongoing training programs to employees to ensure a high level of awareness and understanding of AML regulations, policies, procedures, and their individual responsibilities.

15.2 Training programs cover topics such as recognizing and reporting suspicious activities, understanding red flags, and ensuring compliance with AML obligations.

Compliance Monitoring and Independent Audit

16.1 The Brokerage maintains an internal compliance monitoring program to assess the effectiveness of our AML policies, procedures, and controls. Regular internal reviews and audits are conducted to ensure compliance with applicable AML regulations and identify areas for improvement.

16.2 In addition to internal monitoring, the Brokerage may engage independent auditors or external consultants to conduct periodic AML audits to provide an objective assessment of our AML program’s effectiveness.

Reporting Channels and Whistleblower Protection

17.1 The Brokerage provides secure and confidential channels for employees and other stakeholders to report any concerns, suspicions, or potential breaches of the AML Policy. 17.2 The Brokerage prohibits retaliation against individuals who report in good faith and provides appropriate whistleblower protections in accordance with applicable laws and regulations.

Sanctions Compliance

18.1 The Brokerage is committed to complying with applicable economic and trade sanctions laws and regulations. We maintain procedures to screen clients, transactions, and counterparties against relevant sanctions lists to ensure compliance with these requirements.

Cooperation with Financial Intelligence Units (FIUs)

19.1 The Brokerage cooperates with Financial Intelligence Units (FIUs) and other regulatory authorities by promptly and effectively reporting any suspicious transactions or activities as required by law.

19.2 We provide complete and accurate information to FIUs and support their investigations into suspected money laundering or terrorist financing activities.

Third-Party Relationships

20.1 The Brokerage maintains a risk-based approach to managing relationships with third-party service providers, such as payment processors, financial institutions, and technology providers. We conduct due diligence on these entities to ensure they have appropriate AML controls and comply with applicable AML laws and regulations.

20.2 The Brokerage reserves the right to terminate or limit relationships with third parties that do not meet our AML standards or pose an unacceptable risk of facilitating money laundering or terrorist financing.

Compliance with Customer Sanctions

21.1 The Brokerage maintains procedures to ensure compliance with customer sanctions, which involve identifying and screening clients against applicable sanctions lists and government-provided watchlists.

21.2 If a client is found to be on a sanctions list or associated with sanctioned entities, appropriate actions will be taken in accordance with applicable laws and regulations.

Suspicious Activity Reporting (SAR)

22.1 The Brokerage has procedures in place to identify and report suspicious activities to the appropriate authorities in a timely manner.

22.2 Our employees are trained to recognize red flags and indicators of suspicious activities and are required to report such activities internally to our designated compliance officer.

AML Governance and Oversight

23.1 The Brokerage maintains a governance framework that includes senior management oversight of AML policies, procedures, and controls.

23.2 A designated AML compliance officer is responsible for the implementation, monitoring, and enforcement of the AML Policy and ensuring compliance with applicable laws and regulations.

Periodic Review and Updating of the AML Policy

24.1 The Brokerage conducts periodic reviews of the AML Policy to ensure its continued effectiveness and relevance in light of changing AML regulations, industry practices, and emerging money laundering and terrorist financing risks.

24.2 Any updates or amendments to the AML Policy will be communicated to employees and relevant stakeholders, and appropriate training and awareness programs will be conducted to ensure understanding and compliance.

AML Policy Acknowledgment

25.1 Clients are required to acknowledge and accept the terms and requirements of the AML Policy as part of the onboarding process.

25.2 The Brokerage reserves the right to take appropriate actions, including the termination of client relationships, for non-compliance with the AML Policy.

Contact Information

26.1 If you have any questions, concerns, or require further information regarding our AML Policy or related matters, please contact our designated compliance officer at [email protected]