stockity

Client Agreement

Pursuant to the terms and conditions set forth herein, Verte Securities Limited, a company registered in accordance with the laws of the Republic of Vanuatu, company number 700726, whose registered office is located at Level 1, iCount House, Kumul Highway, Port Vila, Vanuatu (the "Company") grants an individual person (the "Client") access to the stockity.id website (the "Website") and Stockity mobile application (the "Mobile Application") for the purpose of executing trading transactions involving financial instruments provided on the Website. Except where expressly stated otherwise, all services rendered by the Company via the Website are equally accessible through the Mobile Application.

The place of services provision shall be the Republic of Vanuatu.

Through registration on the Website, the Client acknowledges acceptance of the Agreement and

1.3. the Privacy Policy that is available on the Website and is an integral part of the Agreement. Such acceptance constitutes full and unconditional consent to all provisions hereof.

1. DEFINITIONS

1.1. ’Account Balance’ means the aggregate amount of funds in the Client’s Account, excluding any Open Trades, and represents the Company’s financial liability to the Client at a given time, unless otherwise provided.

1.2. ’Asset’ means currency pairs, commodities, stocks and stock indices available for trading via financial instruments on the Website.

1.3. A ’Benefit’ means an item available for purchase or exchange for Stockens by the Client within the Market.

1.4. ’Bonus’ means funds credited to the Client’s Account to enhance trading capacity. Bonus does not represent a financial liability of the Company to the Client.

1.5. The ’Client’s Personal Account’ means a restricted-access Website area enabling the Client to utilize Company services upon successful login authorization.

1.6. The ’Client’s Real Account’ (’Account’, ’Client Account’) means a designated Client account on the Trading Platform showing real-time updates of their Non-trading Transactions, Open and Closed Trades, and other changes of the Company’s financial obligations to the Client. Account currencies include the US dollar and euro.

1.7. ’Closed Trade’ means a Trade that has either reached Expiration or has been closed pursuant to the Client’s directive.

1.8. ’Company Server’ (’Server’) means the technological system responsible for delivering live Quote feeds and processing Client Trading Orders.

1.9. ’Demo Account’ means a simulated account on the Trading Platform. Its currency matches that of the Client’s Real Account. Funds on a Demo Account do not form a financial liability of the Company to the Client.

1.10. ’Deposit’ means monetary funds transferred by the Client into their Account.

1.11. ’Expiration’ means the moment when a Trade is executed upon reaching its predetermined closing time.

1.12. ’Log File’ means a record containing system data regarding the Company Server operation and the Client’s interactions with the Website.

1.13. The ’Market’ means a Client’s Personal Account area where Benefits can be purchased or exchanged for Stockens.

1.14. ’Multiplier’ means the coefficient representing the ratio between Trade Value and the Client’s investment, assigned upon Trade opening under CFD trading. A Multiplier cannot exceed 10.

1.15. ’Non-trading Transactions’ mean actions such as Deposits, Withdrawals, and other activities outside the scope of Trading Transactions.

1.16. ’Open Trade’ means a Trade that has not yet reached Expiration or has not been closed by the Client.

1.17. ’Payment System Provider’ means an entity offering electronic payment services.

1.18. ’Risk-free Trade’ means a Trade executed at the Company’s cost. The Client may freely dispose of any profits derived therefrom without limitation. Risk-free Trades do not create a financial liability of the Company to the Client.

1.19. ’Stocken Balance’ means the total number of Stockens owned by the Client.

1.20. ’Stockens’ (’STN’) mean non-transferable, non-convertible to cash, and non-inheritable units credited to the Client’s Stocken Balance that may be exchanged for Benefits within the Market. Stockens do not constitute securities, payment instruments, or currency.

1.21. ’Trade’ means opposed Trading Transactions sharing an identical identification number.

1.22. ’Trading Activity’ means Client actions such as Deposits, Withdrawals, Trading Transactions, paid Tournament registration, crediting Tournament account balance (re-buys), and activation of Bonuses or gifts.

1.23. ’Trading Mechanics’ mean derivative financial instruments based on Assets provided by the Company within the Trading Platform, which do not entail actual ownership of the Asset. Two types of mechanics are available on the Website: FTT Trading and CFD Trading.

1.24. ’Trading Order’ means the Client’s instruction to execute a Trading Transaction under specified terms.

1.25. ’Trading Platform’ means the software system accessible through the Client’s Personal Account, used to display real-time Quotes, submit Trading Orders, track execution results, and perform related functions.

1.26. ’Trading Transaction’ means an over-the-counter transaction involving an Asset, executed between the Company and the Client in a cash settled mode.

1.27. ’Trading Turnover’ means the cumulative total of the Client’s investments in Trades conducted since their most recent Deposit.

1.28. ’Trade Value’ is calculated as the Client’s investment multiplied by the assigned Multiplier.

1.29. ’Tournament’ means a limited-duration competition offering a monetary prize pool.

1.30. ’Quote’ means the digital value of an Asset at a specific moment.

1.31. ’Withdrawal’ means the deduction of funds from the Client’s Account and their transfer to the Client’s external account.

2. REGISTRATION AND VERIFICATION

2.1. Registration on the Website is compulsory for the Client. To complete registration, the Client must: (i) provide a valid email address and create a password; and (ii) select the currency for their Account; and (iii) accept the terms and conditions of the Agreement.

2.2. By registering on the Website, the Client represents and warrants that they are a legally capable adult and they have read, understood, and consent to all terms of the Agreement.

2.3. To ensure lawful and secure service provision, the Company shall conduct identity verification of the Client and the information submitted. The Company may request the Client to provide a photograph of one of the following: (i) the Client’s passport page displaying photo and personal data; or (ii) front and back of the Client’s ID card; or (iii) the Client’s driving license.

Additionally, the Company may require recent utility bills, bank statements, scanned bank cards, or other documents if earlier submissions do not suffice to verify identity, payment details, or information accuracy.

2.4. Verification is normally completed within 20 minutes after receipt of all requested documents; however, the Company may extend this period up to 7 calendar days when necessary.

2.5. Should the Client unjustifiably refuse to provide required documents or information, the Company reserves the right to suspend and subsequently block the servicing of the Client’s Account. Funds deposited may be returned solely via the payment details provided upon registration or held until verification is completed.

2.6. The Company may require participation in a video conference, notifying the Client at least 24 hours in advance, to confirm identity and document authenticity.

2.7. By registering, the Client consents to receive emails—including promotional content—phone calls, and SMS messages from the Company. The Client may unsubscribe from email communications at any time by clicking “Unsubscribe” in emails, disabling the option in their Personal Account, or contacting the Company Support. Unsubscription from calls and SMS is available through the Company Support. The Company undertakes to promptly process such opt-out requests. In any case, the Client will continue to receive transactional notifications.

2.8. Each Client is entitled to maintain only one Account on the Website. Discovery of multiple Accounts linked by common IP addresses, devices, payment methods, or other indicators may result in cancellation of Trades and financial results on all such Accounts and their blocking. Funds in these Accounts shall not constitute financial obligations of the Company to the Client. The Company may request the Client to designate one primary Account to retain. Deposits in other Accounts will be refunded via the payment methods provided upon registration without paying of profit and/or compensation for losses.

2.9. If no Trading Activity occurs on the Client’s Account for 90 consecutive days, a monthly service fee of $30/€30 (or equivalent of $30) will be charged, capped at the Account Balance or funds debited per clause 2.10. The fee is canceled upon resumption of Trading Activity.

2.10. The Company reserves the right to debit the full Account Balance if no Trading Activity occurs on the Client’s Account for 6 consecutive months.

2.11. To restore funds to the Account, the Client should contact the Company Support as detailed in section XIII.

3. FTT TRADING (FIXED TIME TRADES)

3.1. To open a Trade, the Client selects the Asset, specifies the investment amount and price movement direction, and sets the Trade closing time.

3.2. The Trade automatically closes upon reaching the predetermined closing time.

3.3. A Trade is deemed profitable if, at closing, the Asset’s current Quote exceeds its opening Quote when the selected direction is “up,” or if the current Quote is lower than the opening Quote when the direction is “down.” The profitability of a Trade is fixed and determined by the Client’s investment amount, the selected Asset, and the execution time.

3.4. The profit is calculated as the percentage profitability multiplied by the Client’s investment.

4. CFD TRADING

4.1. To open a Trade, the Client selects the Asset, specifies the investment amount, Multiplier, and price movement direction.

4.2. Trades close either by Client instruction or automatically.

A Trade is closed automatically: (i) in case of technical Stop Loss, i.e. if losses reach 95% of the invested amount; or (ii) after 15 days from the Trade opening.

If automatic closure occurs during periods when CFD Trading Transactions for the Asset are unavailable, the Trade will close immediately upon receipt of the next available Asset Quote by the Trading Platform during the subsequent trading period.

4.3. A Trade is profitable if, at closing, the Quote is higher than at opening for Trades with an “up” direction, or lower than at opening for Trades with a “down” direction.

4.4. Profit or loss from a Trade is calculated as: Investment Amount × Multiplier × (Closing Quote / Opening Quote − 1).

4.5. When a Trade is opened, a commission equal to 0.02% of the Trade Value is deducted from the Client’s Demo Account. This commission is rounded up to the nearest tenth in the Demo Account currency.

4.6. The Client may hold a maximum of 15 simultaneous open Trades within the CFD Trading.

4.7. The maximum loss on a Trade conducted under CFD mechanics cannot exceed 100% of the Client’s invested amount.

4.8. CFD Trading is permitted from Monday 07:00 UTC to Friday 21:00 UTC. Outside this timeframe, opening or closing Trades are not available. On Asset exchange non-working days or holidays within this period, Trading Transactions for the relevant Asset are suspended.

4.9. CFD Trading are exclusively available on Demo Accounts.

5. Trading transactions

5.1. QUOTES

5.1.1. The Client acknowledges that the sole authoritative source for Quote streams is the Company Server. Quotes displayed on the Trading Platform serve solely as an indicative reference and may be incomplete due to connectivity issues between the Trading Platform and the Server. Some Quotes may not reach the Trading Platform. The Company does not guarantee that a Trading Transaction will be executed at the Quote shown on the Trading Platform charts at the time the Client places a Trading Order.

5.1.2. Asset Quotation on the Trading Platform is calculated as the arithmetic mean of the purchase and sale prices: (purchase + sale) / 2.

5.1.3. If a Trading Order is executed based on a non-market Quote, the Company shall adjust the Trade’s financial result in accordance with prevailing market Quotes at execution or annul the Trade’s result.

5.2. Processing of Client’s Trading Orders follows the sequence below:

5.2.1. The Client formulates a Trading Order, which is initially validated on the Trading Platform.

5.2.2. The validated Trading Order is transmitted to the Company Server, where it undergoes further verification.

5.2.3. Upon successful verification, the Server processes the Trading Order and communicates the outcome back to the Trading Platform.

5.3. Processing time depends on communication quality between the Trading Platform and Server and market conditions. Under normal circumstances, processing typically requires 0–4 seconds; adverse market conditions may prolong this duration.

5.4. OPENING TRADE

5.4.1. Minimum investment per Trade is $1/€1 or equivalent of $1; maximum is $1,000/€1,000 or equivalent of $1,000.

5.4.2. Trading Orders to open Trades may be declined if: (i) submitted before the first Quote of the Asset is received by the Trading Platform at market open; and/or (ii) insufficient available funds exist in the Client’s Account.

5.4.3. The Server may reject Trading Orders under abnormal market conditions.

5.4.4. A Trade is deemed open once a corresponding entry appears in the Log File. Each Trade is assigned a unique identifier.

5.5. Closing Trade

5.5.1. Trades close at the current Asset Quote registered on the Server at closing time.

5.5.2. A Trade is considered closed upon recording of the closure in the Log File.

5.6. The Company may restrict the maximum number of Trades per Client within defined intervals (minute, hour, day).

5.7. The Company reserves the right to amend profitability percentages, minimum and maximum investment amounts, and Expiration terms for one or multiple Assets.

5.8. The Company system malfunctions, unstable internet connection, power outages, exchange disruptions, malfunctions in the operation of exchanges, unauthorized access attempts, as well as any illegal actions in regard to equipment and/or the Company Server, force majeure events, or suspension of financial market trading affecting Assets may invalidate Trades executed during such events.

6. NON-TRADING TRANSACTIONS

6.1. Official methods for Deposits and Withdrawals are set forth on the Company’s Website. The Client bears all risks related to payment system usage, including commissions and currency conversion fees. Depending on jurisdiction, payment method, and transaction type, the Company may apply deposit and/or withdrawal fees, as detailed below:

India: 10% commission for all withdrawal requests above the limit of 1 within 24 hours;

Indonesia: 5% commission for all withdrawal requests above the limit of 1 within 24 hours;

Ukraine: 2% commission for all withdrawal requests above the limit of 1 within 24 hours;

Vietnam: 10% commission for all withdrawal requests above the limit of 1 within 24 hours.

The Company is not liable for delays or failures caused by payment systems or Providers. Claims related to such systems should be directed to their support services, with the Company notified accordingly.

6.2. Deposits are made via the Website’s internal interface. The minimum Deposit is $10/€10 or equivalent of $10, subject to reduction at the Company’s discretion in certain countries or promotional events. The exact minimum is displayed in the Cashier section of the Client’s Personal Account.

6.3. Deposits using third-party payment details are strictly prohibited. Detection of fraudulent activity in financial transactions authorizes the Company to cancel such transactions and block the Client’s Account.

6.4. Withdrawal requests are submitted via the Website interface. The minimum Withdrawal amount is $10/€10 or equivalent of $10, subject to reduction at the Company’s discretion.

6.5. Funds are debited from the Account only upon actual payment execution. Withdrawals are final and non-refundable.

6.6. The Client is solely responsible for the accuracy of information provided in Withdrawal requests.

6.7. Withdrawal requests are processed within 3 business days from submission. Actual receipt depends on payment system and Payment System Provider processing times.

6.8. Withdrawal limits are:

  • $3,000/€3,000 (or equivalent of $3,000) daily;
  • $10,000/€10,000 (or equivalent of $10,000) before the end of the current week;
  • $40,000/€40,000 (or equivalent of $40,000) before the end of the current month.

The limits are subject to reduction depending on the withdrawal method. Precise limits may be obtained from the Company Support.

6.9. Withdrawals may be delayed by up to 10 business days by the Company’s security service following prior notice.

6.10. Withdrawals are executed via the same method and account used for Deposits. If impracticable, the Client may use alternative methods/accounts matching verified data. The Company may request evidence substantiating the impossibility of using original methods.

6.11. For AML compliance, the Company may require proof that the withdrawal account belongs to the Client, including notarized and, if applicable, apostilled/legalized copies of identity and residence documents, to be provided within 14 calendar days of request. The Company reviews such documents within 30 calendar days. Failure to comply may result in withdrawal denial.

6.12. The Company may refuse a withdrawal request if the Account is used evidently for exchange operations between payment systems.

6.13. If the Client withdraws funds before achieving Trading Turnover exceeding twice the Deposit amount, a withdrawal fee of 10% of the Account Balance or last Deposit (whichever is greater) applies.

6.14. The Company disclaims liability for third-party intermediaries involved in Client Deposit or Withdrawal transactions.

6.15. The Company’s financial responsibility for Deposits commences upon receipt of funds in the Company’s bank account or payment system accounts specified on the Website.

6.16. The Company’s financial responsibility for Withdrawals ends upon transfer of funds from the Company’s bank accounts or payment system accounts specified on the Website.

6.17. Should technical errors occur on the Company’s part during financial transactions, the Company retains the right to invalidate those transactions along with any related service results. Following an internal investigation that confirms the technical error and provided the Company has access to the debited funds, the amounts withdrawn from the Client’s Account will be refunded accordingly.

6.18. The Company reserves the right to limit the amount available for Withdrawal to the total sum of the Client’s Deposits made within the preceding 30 calendar days.

6.19. Should the Company suspect fraudulent or deceptive conduct by the Client, the Company may block the Client’s Account immediately, without prior notice, and suspend all Account transactions including Deposits and Withdrawals for a period not exceeding 10 business days. Following the investigation, the Company may impose a permanent block on the Account and debit from the Client’s Account any damages incurred and any profits derived by the Client through such fraudulent or deceptive actions.

6.20. REFUND POLICY

6.20.1. All refunds shall be processed exclusively via Non-trading Transactions as set forth in Section VI thereof.

6.20.2. In cases where funds were deposited via bank card, the Client may request a refund by email support@stockity.ai, provided that: (i) sufficient funds are available in the Client’s Account to cover the refund; and (ii) no active Bonuses remain on the Client’s Account.

6.20.3. The Company retains the right to execute refunds without prior notification if the transaction exhibits indicators of fraud.

7. BONUSES, TOURNAMENTS AND PROMOTIONS

7.1. Bonuses are credited to the Client’s Account pursuant to promotional or bonus programs organized by the Company. Bonuses credited to the Account do not constitute a financial obligation of the Company to the Client.

7.2. The Bonus amount depends on the specific terms of the promotion or program and/or the size of the Client’s Deposit.

7.3. After a Bonus has been activated, the funds in the Client’s Account become withdrawable only after the Client completes the Mandatory Trading Turnover, calculated as the Bonus amount multiplied by a leverage factor. If unspecified, leverage is 40 for non-deposit Bonuses and deposit Bonuses equal to or exceeding 50% of the Deposit made when using the Bonus; and 35 for deposit Bonuses below 50% of the Deposit made when using the Bonus. The Client’s investment per Trade is weighted proportionally to the Asset’s profitability in the Mandatory Trading Turnover calculation. Zero-result FTT Trades are excluded from the Mandatory Trading Turnover.

7.4. Unless otherwise specified, each promotion entitles the Client to receive a Bonus only once.

7.5. Profits derived from Trades using Bonuses may be subject to Withdrawal limitations.

7.6. Non-deposit Bonuses must be activated within 3 days of crediting in the Client’s Personal Account.

7.7. After activation, the Client may cancel a Bonus by contacting the Company Support, provided no Trading Transactions have occurred on the Client’s Account since crediting.

7.8. Bonuses may be debited from the Client’s Account upon expiration of the relevant promotion.

7.9. Only one active Bonus may exist per Client Account; additional Bonuses cannot be activated until completion of the Mandatory Trading Turnover for the active Bonus.

7.10. If the Client’s Account Balance falls below the minimum required a Trade investment amount, the Bonus shall be forfeited.

7.11. Tournament participation occurs via a dedicated virtual tournament account in virtual currency (₮) with a starting balance equal for all participants. The objective is to achieve the highest balance by Tournament end; the prize fund is distributed among the winners who have won prize places. Detailed Tournament terms are published on the Website.

7.12. Clients may enter all available Tournaments and promotions but are responsible for reviewing applicable conditions posted on the Website.

7.13. Monetary prizes awarded for Tournaments are credited to the Client’s Real Account upon activation, unless otherwise stated.

7.14. Suspected the Client fraudulent activity in Tournaments or promotions may lead to review or rescission of their results and prohibition from future participation. Confirmed fraud results in rescinded outcomes.

7.15. Additional gifts may be granted under special promotions or programs, subject to their specific terms.

8. MARKET

8.1. In the Market, each Benefit is assigned a value in the Client’s Real Account currency and in Stockens, determined solely by the Company and displayed accordingly.

8.2. Detailed descriptions and usage conditions of Benefits are available within the Market.

8.3. The Company may unilaterally revise Benefit values, modify or remove Benefits, or discontinue Market access at any time.

8.4. Benefits may be purchased using funds from the Client’s Real Account or exchanged for Stockens.

8.5. The selected Benefit is provided to the Client upon deduction of the requisite amount from the Client’s Real Account or Stocken Balance.

8.6. Fees for Benefits are non-refundable.

8.7. Benefits are intended solely for the Client’s personal use and may not be transferred to third parties.

8.8. The Client acknowledges that materials in the Market do not constitute investment or trading advice; all trading decisions are at the Client’s sole discretion, and the Company disclaims liability for direct, indirect, or any other losses arising from Market information.

8.9. Violation of the Agreement terms by the Client may result in the Company restricting the Client’s Market access at its sole discretion.

support@stockity.id.

9. STOCKENS

9.1. The Client may maintain only 1 Stocken Balance. Discovery of multiple accounts linked by common IP addresses, devices, payment methods, or other indicators may result in rescission of Stocken Balances. The Company may ask the Client to designate one primary Stocken Balance to retain.

9.2. Suspected the Client fraud or deception may lead to rescission of the Client’s Stocken Balance.

9.3. Upon the Client’s death or legal incapacity, their Stocken Balance is rescinded.

9.4. Stockens are credited to the Client’s Stocken Balance for each Trade on their Real Account, excluding zero-result Trades, proportional to the investment amount. The value of 1 Stocken is indicated in the Client’s Personal Account.

9.5. Stockens are credited following Trade closure.

9.6. Trades annulled per clause 5.1.3 hereof result in rescission of associated Stockens.

9.7. Stockens may be exchanged for Benefits in the Market. If an exchange is canceled, Stockens revert to the Client’s Stocken Balance.

9.8. Stockens are rescinded 90 days after: (i) the first crediting of Stockens following a zero Stocken Balance if no exchanges occurred during that period; or (ii) the most recent exchange for Benefits if the Stocken Balance is non-zero. If a canceled exchange results in Stockens refunded to the Stocken Balance, the 90-day period restarts from that exchange date if the Stocken Balance is non-zero.

10. CLIENT RISKS

10.1. The Client fully acknowledges that: (i) trading financial instruments involves significant risks; prior financial capacity assessment is advised; (ii) Trading Transactions conducted via the Trading Platform are over-the-counter, not exchange-traded, and carry higher risks; (iii) information or recommendations from the Company or partners do not constitute direct offers to trade; (iv) technical failures, unstable internet connection, power outages, or other factors may cause the Client financial losses; (v) market volatility and abnormal conditions may delay the Client Trading Order processing and/or cause execution at differing Quotes, resulting in potential Client losses.

10.2. The Client assumes all risks regarding legal restrictions in their jurisdiction and bears responsibility for compliance.

10.3. The Company does not guarantee Client profits or absence of losses from use of its services.

11. GUARANTEES, LIABILITY, AND FORCE MAJEURE

11.1. The Company is not a credit institution, does not accept funds for investment with interest, nor conduct banking activities.

11.2. The Company does not provide its services on the territories or to citizens and/or residents of the following countries (territories): North Korea, Canada, USA, Australia, Austria, Belgium, Brazil, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Germany, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Norway, Iceland, Liechtenstein, Sweden, United Kingdom, Andorra, Vatican, Monaco, Marshall Islands, San Marino, Cyprus, Switzerland, Israel, Syria, Singapore, Hong Kong, New Zealand, Iran, Saint Vincent and the Grenadines, Moldova, Japan, Russia, Belarus, Afghanistan, Iraq, Libya, Palestine, South Sudan, Albania, Haiti, Jamaica, Mali, Myanmar, Nicaragua, Senegal, Zimbabwe, Cuba, United Arab Emirates, where prohibited by law or the Company internal policy.

11.3. The Client warrants that Trades on their Account are conducted in their own name and interest and that they are not citizens and/or residents of jurisdictions where services are restricted.

11.4. Provision of false or invalid documents by the Client during verification may lead to refusal of service, withholding of Client funds in the amount of actual damage caused to the Company by the Client, denial of Client profit withdrawal and/or refusal of their re-registration.

11.5. The Client guarantees that deposited funds are lawful and not derived from illegal activities, and agrees not to use the Website for money laundering or other offenses. The Company may block or close the Client’s Account, withhold Client funds, and disclose information to authorities if illegal activity is suspected. Legitimate funds will be returned unless legally prohibited.

11.6. The Client agrees to provide documentation and cooperate to ensure AML compliance.

11.7. Any acts of the Client or third parties with the Client participation, destabilizing the Company’s systems or services may result in the Client Account suspension, refusal of service, withholding of Client funds in the amount of actual damage caused to the Company with such acts, denial of Client profit withdrawal and/or refusal of their re-registration.

11.8. The Client is responsible for safeguarding their login credentials and must promptly notify the Company of any unauthorized access to their login credentials or the Client’s Account. The Company is not liable for Client losses due to unauthorized access beyond providing Account recovery upon identity verification.

11.9. The Company disclaims liability for Client actions or inactions on the Trading Platform, including Client losses from Trading Transactions.

11.10. The Company is not liable for failures (including Client losses) caused by hacker attacks, technical malfunctions to both the Client and the Company, or communication disruptions beyond its control.

11.11. The Company shall bear no liability for Client losses resulting from force majeure events, including but not limited to natural disasters, technological catastrophes, terrorist acts, military conflicts, riots, strikes, civil unrest, governmental restrictions affecting the Agreement, changes in market or currency regulations, and suspension of exchange trading.

11.12. Client profits derived from the use of not directly approved by the Company trading bots, artificial intelligence, specialized software, or exploitation of vulnerabilities in exchange software or the Company Server shall not constitute a financial obligation of the Company and will not be paid to the Client.

11.13. Upon violation of the Agreement by the Client, the Company reserves the right to unilaterally terminate the Agreement without prior notice. In such a case, the Company may transfer the Account Balance using Client payment details provided upon registration, deducting actual damages sustained by the Company and any profits gained through such violations. The Company may also refuse to re-register the Client.

12. DISPUTE RESOLUTIONS

12.1. The Client shall first address disputes to the Company Support using contact details in section XVIII hereof. If unsatisfied or if the Company Support lacks authority, the Client may request escalation to the Dispute Resolution Department through the Company Support or submit the complaint via email complaints@stockity.ai.

12.2. Complaints must include Client’s full name, email, date and details of disputed operations, a detailed description, and supporting documents if available. Complete information facilitates prompt resolution. If the complaint does not meet the requirements set out in clauses 12.1 and 12.2, it may be rejected.

12.3. A complaint containing provocative statements, unfounded accusations, threats, insults, or obscene language toward the Company or its staff may be rejected. The Company reserves the right to report such conduct to appropriate authorities.

12.4. The Company shall acknowledge receipt of the Client complaint by the Dispute Resolution Department within 2 business days, providing the Client with preliminary findings and a decision timeline.

12.5. The Company responds to the Client with dispute resolution measures and recommendations within 10 business days of receipt of the Client complaint. This period may be extended by up to 10 business days with the Client notification if additional information is required.

12.6. Claims for lost profits or moral damages are not considered.

12.7. If the Client does not appeal the Company’s response within 5 business days of the response being sent to the Client, a dispute is deemed resolved.

13. CONTACTS

13.1. The Client may contact the Company via: (i) the Company Support email: support@stockity.ai; (ii) online chat on the Website.

13.2. The Client’s contact details include their registered email and optionally a phone number provided in their Personal Account.

13.3. The Company is not liable for incorrect Client contact information submitted during registration.

14. TAXES

The Company is not a tax agent and does not disclose Client transactions data except upon official request by competent authorities.

15. VALIDITY AND TERMINATION. AMENDMENT

15.1. This Agreement becomes effective upon Client registration on the Website. Rights and obligations hereunder remain in force until termination of the Agreement.

15.2. Termination may occur: (i) at either Party’s initiative; or (ii) upon Client’s death or legal incapacity; or (iii) upon Company liquidation.

15.3. The Company shall fulfill its obligations to the Client upon termination as per the Agreement.

15.4. The Client may terminate the Agreement at any time for any reason. To terminate unilaterally, the Client must block their Account via the Personal Account interface or the Company Support after withdrawing funds. If funds remain, the Company may return them via payment details provided upon registration.

15.5. Unblocking the Account at the request of the Client reinstates the Agreement as per the current version.

15.6. The Company may terminate the Agreement unilaterally without providing reasons at any moment.

15.7. The Company shall notify Clients at least 1 calendar month prior to termination of its activities. In such a case, the Company shall fully pay Client Account funds.

15.8. The Company may amend the Agreement at any time; amendments take effect upon publication on the Website unless stated otherwise. The Client is responsible for reviewing updates.

15.9. Disagreement of the Client with amendments requires cessation of service use by the Client and the Client’s Account blocking via the Personal Account or the Company Support, following Withdrawal of funds.

16. FINAL PROVISIONS

16.1. The Client may not assign rights or obligations under the Agreement to third parties.

16.2. In case of discrepancies, the English version prevails over translations.

16.3. This Agreement is governed by the laws of the Republic of Vanuatu. Any disputes arising out of or in connection with the Agreement shall be finally resolved by the competent court of the Republic of Vanuatu.

Effective July 29, 2025