Legal Information

This is a legally binding contract (the "Terms", "Agreement" or "Terms of Use") between you ("you", "your" or the "Client") and WOWTRADE LLC, a limited liability company incorporated and acting under the laws of Saint Vincent and the Grenadines, registered at Suite 305, Griffith Corporate Centre, Beachmont, Kingstown, St. Vincent and the Grenadines ("WOWTRADE", the "Company", "we", "us" or "our"). It sets out the terms of use of our website https://wowtrade.com and any other of our websites (collectively, the "Website"), our mobile and desktop applications and trading terminal (the "Application"), and the services and resources made available through them (each a "Service" and collectively the "Services"), all of which are controlled by us. By registering for an Account, or by accessing or using the Website, Application, Website or Services, you agree to be bound by this Agreement and the documents incorporated into it (Article 3).

Article 1: Definitions

In this Agreement: "Company", "we", "us" means WOWTRADE LLC; "Client", "you" means the natural or legal person who accepts this Agreement; "Platform" means the WOWTRADE website, mobile and desktop applications, and trading terminal; "Account" means your registered account with the Company; "Services" means the services in Article 4; "Transaction" means any operation, order or trade executed through the Platform; "Applicable Law" means the laws of Saint Vincent and the Grenadines and any other law applicable to the Company or the Services; "Restricted Person" and "Restricted Jurisdiction" have the meanings in Article 6; "Policies" means the documents incorporated under Article 3. Words in the singular include the plural and vice versa.

Article 2: Conclusion and acceptance

This Agreement is concluded between the Company and the Client. By clicking or tapping "Sign Up", "I Agree", "Submit" or any similar control, by funding the Account, or by using the Services, you agree to be legally bound by this Agreement and the Policies; this has the same legal effect as a handwritten signature. If you do not agree, do not register and do not use the Services.

Article 3: Incorporated documents

The following, as published on the Platform and amended from time to time, form an integral part of this Agreement: the Risk Disclosure; the AML/CFT & KYC Policy; the Non-Trading Transactions Regulation; the Privacy Policy; the Cookie Policy; the Law Enforcement / Data Disclosure Guidelines; the Payment, Deposit & Withdrawal Policy; the Refund & Chargeback Policy; the 1-Click Service Terms; the Card Credentials Storage Agreement; the Promotions, Bonus & Referral Terms; and the Complaints-Handling Procedure. In case of conflict, the document more specific to the matter prevails; otherwise this Agreement prevails.

Article 4: Services and nature of the relationship

The Company provides an execution-only Platform for trading the financial products it makes available, which may include digital/binary options, foreign exchange, contracts for difference (CFDs) and other derivatives and, where the Company is licensed to do so, securities products. The Company does not provide investment, legal, tax, accounting or other advice, makes no recommendation about any product or Transaction, and gives no assurance of profit. Any market data, analytics, signals, or educational materials are general information only and must not be relied on as advice. All trading decisions are yours alone. The Company may add, vary, suspend or discontinue any product, market or feature at its discretion.

Article 5: Eligibility

To open an Account and use the Services you must: (a) be at least 18 years old (or the age of majority in your jurisdiction, if higher) and have full legal capacity; (b) not be a Restricted Person (Article 6); (c) act on your own behalf and as the sole beneficial owner of the Account and the funds in it; and (d) be permitted by the laws of your country of residence to enter into this Agreement and to trade over-the-counter derivatives.

Article 6: Restricted Persons and Restricted Jurisdictions

(1) The Services are not offered to, and may not be accessed or used by, any Restricted Person, meaning: (i) US persons (including US citizens, US residents, and entities organized in the US); (ii) residents of the European Union, the United Kingdom, or Australia; (iii) any person located, organized or resident in a country or territory that is, or whose government is, the subject of comprehensive sanctions or relevant restrictive measures administered by the U.S. Office of Foreign Assets Control (OFAC), the United Nations Security Council, the European Union, or His Majesty's Treasury — namely, without limitation, the Crimea, Donetsk and Luhansk regions, Cuba, Iran, Iraq, North Korea (DPRK), Syria, Libya, Belarus, Burundi, Central African Republic (CAR), China, Democratic Republic of the Congo (DRC), Lebanon, Ukraine, Russia, Venezuela, Yemen, Zimbabwe, Afghanistan, Haiti, Israel, Myanmar, Cambodia, Sudan, South Sudan and others to the extent restricted; (v) any person on a sanctions list (e.g. the OFAC SDN List) or owned or controlled by such a person; (vi) any other jurisdiction the Company lists on the Platform from time to time; and (vii) the Company's directors, officers, employees, affiliates and agents and their close relatives.

(2) The Company may use geolocation, identity verification and proof-of-residence checks to enforce this Article, and may refuse to open, suspend, restrict or close any Account and decline, cancel or reverse any Transaction where it reasonably believes a Restricted Person is involved or that documents or funds are linked to a Restricted Jurisdiction.

(3) Accessing the Platform from, or while resident in, a Restricted Jurisdiction does not entitle you to the Services and is at your sole risk and responsibility. You remain responsible for compliance with the laws of your jurisdiction.

Article 7: Client representations and warranties

You represent and warrant, on the date of this Agreement and on a continuing basis, that: (a) all information you provide is true, complete, accurate and current, and you will keep it updated; (b) you are not a Restricted Person and are not located in or a resident of a Restricted Jurisdiction; (c) you are not on any sanctions list and are not owned or controlled by a sanctioned person; (d) the funds you use are your own, derive from legitimate sources and are not the proceeds of any crime; (e) you access the Platform on your own initiative and have not been solicited by the Company; (f) you understand the products are complex and high-risk and you have read and understood the Risk Disclosure; (g) you will use the Services only for your own personal, lawful purposes and not on behalf of any third party; and (h) you comply with all tax and other legal obligations in your jurisdiction. Knowingly providing false information may constitute a criminal offence under Applicable Law.

Article 8: Account opening and verification (KYC)

The Company will open and maintain the Account subject to identity verification, proof of address, source-of-funds checks and screening under the AML/CFT & KYC Policy and the Non-Trading Transactions Regulation. The Company may request documents or information at any time, before or after opening, and may suspend the Account, trading or withdrawals pending satisfactory verification. You may hold only one Account unless the Company agrees otherwise. The Company may refuse to open an Account at its discretion and is not obliged to give reasons.

Article 9: Fees, deposits and withdrawals

Fees, spreads, commissions, swaps and the rules for deposits and withdrawals are set out in the Payment, Deposit & Withdrawal Policy and on the Platform, and may change. The Company does not accept or pay out cash under any circumstances. The Company may set minimum and maximum amounts, processing times and verification requirements, and may apply set-off against any amount you owe the Company.

Article 10: Use of the Platform; intellectual property

All content, software, trademarks and data on the Platform belong to the Company or its licensors. You receive a limited, personal, non-exclusive, non-transferable and revocable licence to use the Platform for permitted purposes. You must not copy, modify, reverse-engineer, scrape, resell, or interfere with the Platform; use bots, automated systems or any device to manipulate the Platform or prices; share or transfer your Account; or engage in market abuse or any unlawful activity. You are responsible for the security of your login credentials and for all activity under your Account.

Article 11: Amendments

The Company may amend this Agreement and any Policy by posting the updated version on the Platform, effective on posting or on the date stated in the document. Your continued use of the Services after the effective date constitutes acceptance of the changes. The Company will give notice of material changes by reasonable means (for example, by email or in-Platform notice). If you do not accept a change, you must stop using the Services and may close your Account.

Article 12: Governing law, jurisdiction and language

This Agreement and the Policies are governed by the laws of Saint Vincent and the Grenadines. The courts of Saint Vincent and the Grenadines have exclusive jurisdiction over any dispute (or, where the Company so elects and the Client agrees, the dispute may be referred to arbitration), without prejudice to (a) any agreed external dispute-resolution body and (b) the Complaints-Handling Procedure. In the event of any discrepancy in translated agreement, the English version prevails.

Article 13: Term and termination

This Agreement takes effect on acceptance and continues until terminated. You may terminate by closing your Account in accordance with the Platform's procedures, provided you have no open positions or outstanding obligations. The Company may suspend or terminate the Agreement, the Account or any Service: (a) on reasonable notice for any reason; or (b) immediately for breach, suspected fraud or abuse, legal or regulatory reasons, or where you are or become a Restricted Person. On termination the Company will return your verified, free (unencumbered) balance, subject to Applicable Law, the AML/CFT & KYC Policy and any set-off. Provisions that by their nature should survive termination (including Articles 16–21 of Part 2) will survive.

Part 2 continues the Agreement and applies together with Part 1. Defined terms have the meanings given in Part 1.

Article 14: Trading rules and execution

Orders are accepted and executed under the rules and at the prices, payout rates, expiry times, contract sizes, trading hours and quotation sources published on the Platform. The Company acts as your counterparty or transmits orders as described on the Platform. Quotes are indicative until an order is executed. The Company may, acting reasonably: set or vary minimum and maximum trade sizes and exposure limits; refuse, delay or partially fill orders; and close or adjust positions where required by Applicable Law, margin rules, risk management or this Agreement. You are responsible for monitoring your open positions and Account.

Article 15: Pricing, slippage and requotes

Prices are derived from market and liquidity sources and can change rapidly. In fast or illiquid markets your order may be executed at a price different from the price shown when you placed it ("slippage"), which may be better or worse for you, and the Company may requote. The Company is not liable for losses caused by market movement, slippage, gapping or latency, except as stated in Article 19.

Article 16: Margin requirements and negative balance (leveraged products)

Where leveraged products (such as CFDs) are offered, you must maintain the required margin at all times. If your margin level falls below the required level, the Company may issue a margin call and/or close some or all of your positions, without prior notice, to protect against further losses. Leverage magnifies both gains and losses.

Negative balance: As a matter of policy, the Company applies negative-balance protection on a per-Account basis, so that your losses on leveraged products will not exceed the total funds in your Account. This protection is a contractual policy of the Company and is not required by, or guaranteed by, any financial regulator; the Company may amend it on notice.

Article 17: Prohibited trading practices and market abuse

You must not engage in, and the Company may void Transactions and take action against, any of the following: exploiting errors, delays or malfunctions in pricing or the Platform; latency or arbitrage abuse; coordinated trading across accounts; use of bots or unauthorized automation; manipulation of bonuses or promotions; insider dealing, market manipulation or any market abuse; and any trading that the Company reasonably regards as abusive, fraudulent or contrary to the proper functioning of the Platform. The Company may cancel affected Transactions, recover any resulting profit, and suspend or close the Account.

Article 18: Manifest errors, malfunctions and corrections

A "manifest error" is an error in a price, quote, payout, rate or Transaction that is obviously wrong having regard to current market conditions. The Company may, acting in good faith, cancel, amend or re-settle any Transaction affected by a manifest error, by a system or communication malfunction, or by incorrect data from a third party, and adjust the Account accordingly. The Company is not liable for such errors or for the consequences of correcting them, except as stated in Article 19.

Article 19: Limitation of liability

To the maximum extent permitted by Applicable Law, the Company and its directors, officers, employees and affiliates (the "Indemnified Parties") shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive loss, or for any loss of profit, revenue, opportunity, goodwill or data, whether or not foreseeable. The Indemnified Parties shall be liable only for your actual, direct loss that is finally determined by a court of competent jurisdiction or an arbitral tribunal to have resulted solely from the Company's own wilful misconduct or gross negligence, and in no event for any amount exceeding the fees you paid to the Company for the relevant Service. Nothing in this Agreement excludes any liability that cannot lawfully be excluded.

Article 20: Force majeure

The Company is not liable for any failure, interruption or delay in performance caused by events beyond its reasonable control, including: acts of government, regulators or courts; changes in law; suspension, closure or restriction of any market or exchange; action or failure of an exchange, clearing house, liquidity or price provider, bank or payment processor; war, terrorism, civil unrest, strikes; fire, flood, earthquake, pandemic or other natural event; and failure or interruption of power, internet, telecommunications or third-party systems, or cyber-attacks or unauthorized access. The Company may suspend, cancel, close or amend Transactions and Services affected by such events.

Article 21: Indemnification

You will indemnify and hold the Indemnified Parties harmless from and against any loss, cost, expense, claim, demand, liability or proceeding (including reasonable legal fees) arising out of or in connection with: your breach of this Agreement or any Policy; the breach or inaccuracy of any representation or warranty; your misuse of the Platform or the Services; any Transaction in your Account; or your violation of Applicable Law or the rights of any third party.

Article 22: Suspension, dormant accounts and set-off

The Company may suspend the Account or specific functions where reasonably necessary (for example, for security, verification, legal, regulatory or risk reasons). An Account with no log-in or trading activity for [12] consecutive months may be treated as dormant, and the Company may apply a reasonable dormancy fee disclosed on the Platform, to the extent permitted by Applicable Law and not below zero. The Company may set off any amount you owe it against any amount it owes you.

Article 23: Communications and recording

Communications will be in English and the Platform's applicable language options and may be sent electronically (email, in-Platform messages, or posting on the Platform). You consent to electronic communications. The Company may record and monitor telephone calls, chats and other communications for security, training, compliance and evidential purposes, and such records may be used as evidence.

Article 24: Conflicts of interest

The Company maintains arrangements to identify and manage conflicts of interest. Because the Company may act as your counterparty, its interests may differ from yours; the Company will act fairly and in accordance with Applicable Law and its conflicts-of-interest arrangements. Further information is available on request.

Article 25: Complaints

If you are dissatisfied, you may submit a complaint under the Complaints-Handling Procedure. If your complaint is not resolved, you may refer it to the agreed external dispute-resolution body, if any. There is no financial regulator in Saint Vincent and the Grenadines that supervises the Services.

Article 26: Notices

Notices to you may be given by email to your registered address, by in-Platform message, or by posting on the Platform, and are deemed received when sent or posted. Notices to the Company must be sent to [email protected] or the address stated on the Platform and are effective on actual receipt.

Article 27: General

If any provision is held invalid or unenforceable, the remaining provisions remain in full force. No failure or delay by the Company in exercising a right is a waiver of it. You may not assign or transfer this Agreement; the Company may assign or transfer it to an affiliate or successor on notice. This Agreement and the Policies constitute the entire agreement between you and the Company and supersede all prior arrangements. Headings are for convenience only. The English version prevails over the applicable language versions.

PLEASE READ THIS RISK DISCLOSURE CAREFULLY. Trading the products offered on WOWTRADE is speculative, carries a high level of risk, and may result in the loss of all the funds you invest. It is not suitable for everyone. By opening an Account and using the Services you confirm that you have read, understood and accepted this Risk Disclosure. This document does not disclose all risks; you should seek independent advice if you are in any doubt.

Article 1: Suitability

These products are suitable only for persons who understand and are willing to accept the economic, legal and other risks involved, and who can afford to lose the entire amount they invest. They are not appropriate as a primary source of income, for retirement savings, or for money you cannot afford to lose.

Article 2: No advice

The Company provides no investment, legal, tax or financial advice and makes no recommendations. Any market information, analysis, tools, signals or educational materials are general in nature and must not be relied upon as advice or as a basis for any Transaction.

Article 3: Risk of total or substantial loss

With digital/binary options you may lose all of the amount staked on a Transaction. With leveraged products (CFDs) losses can accumulate rapidly; the Company applies negative-balance protection as a matter of policy so that your losses will not exceed your Account balance, but this is a policy and not guaranteed by any financial regulator.

Article 4: Leverage

Where leverage is available, it magnifies both gains and losses. A small adverse movement in the market can result in a large loss relative to the funds you have committed, and you may be required to deposit additional margin at short notice or have positions closed.

Article 5: Market, volatility, liquidity and gapping risk

Prices can move sharply and unpredictably, "gap" between trades, or become illiquid. Your orders may be executed at prices different from those expected (slippage), you may be unable to open or close a position when you want, and stop or limit orders are not guaranteed to execute at the requested level.

Article 6: Technology and communication risk

Trading on an electronic platform exposes you to risks of failure, interruption, delay or error in internet connections, hardware, software, the Platform or telecommunications, and to cyber events. Such events may prevent or affect the placing, execution, modification or closing of Transactions. The Company is not liable for these events except as stated in the Service Agreement.

Article 7: Counterparty and regulatory risk

The Company is incorporated in Saint Vincent and the Grenadines. Trading in foreign exchange, derivatives and digital options is not a regulated activity in that jurisdiction, and the Company does not hold a financial-services licence there or with another financial regulator. As a result, the Services are not covered by an investor-compensation scheme or by a regulatory client-money regime; any negative-balance protection is provided as the Company's own contractual policy rather than as a regulatory requirement; and complaints are handled by the Company under its Complaints-Handling Procedure rather than by a financial regulator. Any external dispute-resolution membership is a private arrangement and does not compensate trading losses.

Article 8: Legality in your country

Trading these products may be restricted or unlawful in your country of residence. It is your sole responsibility to ensure that your use of the Services is lawful where you are located. The Services are not available to Restricted Persons (Service Agreement, Article 6).

Article 9: Currency risk

Where you trade or hold funds in a currency other than your home currency, changes in exchange rates may affect the value of your Account and your returns.

Article 10: Tax

You are responsible for determining, reporting and paying any taxes, duties or other charges that apply to your trading and gains. The Company does not provide tax advice.

Article 11: Third-party payment providers

Deposits and withdrawals are processed by third parties. The Company is not responsible for the acts, omissions, fees, delays, or failures of any third-party payment provider, bank or intermediary.

Article 12: Past performance

Past performance, back-tested results, and demo or simulated trading results are not reliable indicators of future performance.

Article 13: Acknowledgement

By using the Services you acknowledge that you understand and accept the risks described above and that you trade entirely at your own risk.

The Company maintains this Policy in accordance with the anti-money-laundering and counter-terrorist-financing laws of Saint Vincent and the Grenadines, including the Proceeds of Crime Act and the Anti-Money Laundering and Terrorist Financing Regulations / Code, and having regard to the standards of the Financial Action Task Force (FATF). Although forex and related activity is not licensed in Saint Vincent and the Grenadines, the Company applies AML/CFT controls as a matter of policy and law.

Article 1: Purpose

To prevent the Platform from being used for money laundering, terrorist financing, or the evasion of sanctions, and to ensure the Company meets its legal and regulatory obligations.

Article 2: Risk-based approach

The Company assesses and manages money-laundering and terrorist-financing risk using a documented risk-based approach covering customers, jurisdictions, products and delivery channels, and reviews it regularly.

Article 3: Compliance Officer (MLRO)

The Company appoints a Money Laundering Reporting Officer (MLRO) / Compliance Officer responsible for the AML/CFT programme, staff training, monitoring, record-keeping and reporting. Contact: [email protected]

Article 4: Customer Due Diligence (CDD)

Before and during the business relationship, the Company verifies the Client's identity (full name, date of birth, nationality, residential address) using reliable documents and data, identifies and verifies any beneficial owner holding or controlling 25% or more, understands the purpose and intended nature of the relationship, and verifies source of funds and, where appropriate, source of wealth.

Article 5: Enhanced Due Diligence (EDD) and PEPs

Enhanced measures apply to higher-risk situations, including politically exposed persons (PEPs), their family members and close associates, complex or unusual transactions, and Clients connected to higher-risk jurisdictions. Senior-management approval is required to establish or continue such relationships.

Article 6: Sanctions screening

The Company screens Clients, beneficial owners and, where relevant, transactions against the sanctions lists of OFAC, the UN, the EU and HM Treasury. The Company will not establish or continue a relationship with, or process transactions for, any sanctioned person or any person in a Restricted Jurisdiction (Service Agreement, Article 6).

Article 7: No-cash policy

The Company does not accept or disburse physical cash (banknotes or coins) under any circumstances. All funds must move by traceable methods, and deposits and withdrawals must use the same instrument held in the Client's, for fiat, the same bank account, card or e-wallet; for virtual assets (cryptocurrency), a wallet the Client owns and controls. Virtual assets are accepted only as set out in §7a.

§7a: Virtual assets The Company accepts and pays out virtual assets only in the assets and on the networks published on the Platform, through wallet addresses designated by the Company. The Client may deposit only from, and withdraw only to, a wallet that the Client owns and controls and that has passed the Company's verification and screening. Deposits are credited after the required network confirmations and converted into the Account's base currency at the rate quoted by the Company at the time of crediting; the Client bears any change in value before crediting. On-chain transfers are irreversible: the Company cannot recover assets sent to an incorrect address or network, or in an unsupported asset, and is not responsible for network availability, fees or timing. The Company screens wallet addresses for sanctions and financial-crime exposure and does not accept assets from mixers, tumblers, privacy coins or addresses linked to illicit activity. The Company does not provide a wallet, custody or exchange service except as necessary to fund or settle the Account.

Article 8: Ongoing monitoring

The Company monitors the business relationship and transactions on an ongoing basis to detect activity that is unusual, inconsistent with the Client's profile, or potentially linked to financial crime, and keeps CDD information up to date.

Article 9: Reporting and tipping-off

Where the Company knows or suspects money laundering or terrorist financing, it files a suspicious-transaction report with the Financial Intelligence Unit (FIU) of Saint Vincent and the Grenadines within the period required by law (within 2 working days of forming the suspicion). The Company and its staff must not disclose ("tip off") to any person that a report has been or may be made or that an investigation is being or may be carried out.

Article 10: Record-keeping

The Company retain personal data only as long as necessary for the purposes above and to meet legal obligations. Identification, transaction, payment and complaint records are kept for at least [7] years after the end of the relationship, consistent with the AML/CFT & KYC Policy. Non-essential data — marketing and analytics data, and cookie, usage and log data — is kept only as long as needed for the purpose for which it was collected and no longer than [6] months (cookies per the Cookie Policy), or until you withdraw consent, if earlier. Where data serves both purposes, the longer period applies.

Article 11: Freezing, refusal and withholding

The Company may decline to open an Account, freeze or close an Account, suspend trading or withdrawals, and refuse, delay or reverse any Transaction where necessary to comply with AML/CFT or sanctions obligations or where it suspects financial crime, and may withhold funds pending lawful resolution.

Article 12: Staff training

The Company provides regular AML/CFT training to relevant staff and maintains internal procedures, independent review and audit appropriate to its size and risk.

Article 13: Cooperation with authorities

The Company cooperates with the FIU, courts and other competent authorities in accordance with Applicable Law and the Law Enforcement / Data Disclosure Guidelines.

This Regulation governs registration, verification (KYC), deposits, withdrawals, transfers and other non-trading operations on the Account. It supplements the Service Agreement, the AML/CFT & KYC Policy and the Payment, Deposit & Withdrawal Policy.

Article 1: Registration

To register you must provide accurate personal information and a valid email address and/or phone number, accept the Agreement and Policies, and confirm you meet the eligibility requirements and are not a Restricted Person. One person may hold only one Account unless the Company agrees otherwise.

Article 2: Verification documents (KYC)

The Company may require, among other things: (a) a valid government-issued photo ID (passport, national ID or driver's licence); (b) proof of residential address issued within the last 3 months (utility bill or bank statement); (c) proof of ownership of the payment method used; and (d) for legal persons, incorporation and beneficial-ownership documents. The Company may use electronic verification and may request additional documents or a selfie/liveness check.

Article 3: Verification timing and effect

The Company may require verification before or after deposits or trading, and must complete verification before processing withdrawals. Pending satisfactory verification, the Company may suspend the Account, trading, deposits or withdrawals.

Article 4: Deposits

Deposits are credited after receipt of cleared funds, using the methods, currencies and minimum amounts shown on the Platform. The Company does not accept cash or third-party payments; funds must come from an account or instrument in the Client's.

Article 5: Withdrawals

Withdrawal requests require Two-Factor-Authentication (2FA) and approval from the Client's login method and are paid, where reasonably possible, to the same instrument and name used for deposits (the "return-to-source" rule), subject to minimum amounts, fees and processing times on the Platform. The Company may request further documents and may decline, delay or partially process a withdrawal for verification, AML/CFT, sanctions, risk or legal reasons, or where there are open positions, bonus conditions, or amounts owed.

Article 6: Currency conversion

Where a deposit or withdrawal involves currency conversion, the Company applies the rate disclosed on the Platform, which may include a margin. Conversion costs are borne by the Client.

Article 7: Failed or declined transactions

The Company is not responsible for transactions declined, delayed or failed by third-party processors, banks or card issuers. Returned funds will be re-credited net of any third-party charges.

Article 8: Dormant and inactive accounts

Accounts inactive for [12] consecutive months may be treated as dormant; the Company may apply a reasonable dormancy fee disclosed on the Platform, to the extent permitted by Applicable Law and not below zero, and may close the Account after reasonable notice, returning any verified free balance.

Article 9: Anti-fraud measures

The Company may use fraud-detection systems and may freeze or reverse deposits, suspend withdrawals, and close Accounts where it detects or reasonably suspects fraud, abuse, stolen instruments, or chargebacks. See also the Refund & Chargeback Policy.

Article 10: Account closure and balance return

On closure, the Company returns the Client's verified free balance to a verified instrument in the Client's name, subject to Applicable Law, the AML/CFT & KYC Policy and any set-off.

This Privacy Policy explains how the Company collects, uses, shares and protects personal data, and your rights. It is drafted to a high standard and is intended to be consistent with applicable data-protection expectations, including Saint Vincent and the Grenadines Privacy Act where relevant.

Article 1: Who we are

The data controller is WOWTRADE LLC. For privacy matters contact: [email protected].

Article 2: Personal data we collect

(a) Identity and contact data (name, date of birth, nationality, address, email, phone); (b) verification/KYC data (ID documents, proof of address, photos/selfies, source-of-funds information, beneficial-ownership data); (c) financial and transaction data (payment details, deposits, withdrawals, trades, balances); (d) technical and usage data (IP address, device, browser, location, log and cookie data); and (e) communications (messages, call recordings, support tickets).

Article 3: How we collect it

Directly from you (registration, verification, support), automatically (cookies and similar technologies when you use the Platform), and from third parties (identity-verification, sanctions/PEP-screening and fraud-prevention providers, payment processors, and public sources).

Article 4: Purposes and legal bases

We process personal data to: provide and operate the Account and Services (performance of a contract); verify identity and meet AML/CFT, sanctions, tax and other legal obligations (legal obligation); prevent fraud and ensure security, and improve and analyse the Platform (legitimate interests); and send marketing where permitted (consent, which you may withdraw at any time).

Article 5: Marketing

Where we send marketing, we do so in accordance with Applicable Law and on the basis of consent where required. You can opt out at any time via the unsubscribe link or by contacting [email protected].

Article 6: Disclosure and sharing

We share personal data with: payment processors and banks; identity-verification, screening, fraud-prevention, hosting, analytics and IT service providers (as processors under contract); group companies and professional advisers; and regulators (where applicable), the FIU, courts and law-enforcement authorities where required (see the Law Enforcement / Data Disclosure Guidelines). We do not sell personal data.

Article 7: International transfers

Personal data may be transferred to and processed in countries other than your own, including where the Company and its providers operate. Where required, we apply appropriate safeguards for such transfers and provide notice as the law requires.

Article 8: Cookies

We use cookies and similar technologies as described in the Cookie Policy.

Article 9: Retention

We retain personal data only as long as necessary for the purposes above and to meet legal obligations; identification and transaction records are kept for at least [7] years after the end of the relationship, consistent with the AML/CFT & KYC Policy.

Article 10: Security

We apply technical and organizational measures (such as encryption, access controls and monitoring) appropriate to the risk. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Article 11: Your rights

Subject to Applicable Law, you may request access to, correction or deletion of, or restriction of, your personal data; object to certain processing; request portability; and withdraw consent. You may also lodge a complaint with a competent data-protection authority. To exercise your rights, contact [email protected]. We may need to verify your identity and may retain data we are legally required to keep.

Article 12: Children

The Services are not directed to, and may not be used by, anyone under 18. We do not knowingly collect data from minors.

Article 13: Changes

We may update this Policy by posting the revised version on the Platform; the effective date will be updated accordingly.

Article 1: What cookies are

Cookies are small text files placed on your device when you visit the Platform. We also use similar technologies such as pixels, tags and local storage. Together these help the Platform work, remember your preferences, keep you secure, and let us understand and improve usage.

Article 2: Categories we use

Strictly necessary — required for core functions such as login, security and processing requests; cannot be switched off.

Functional — remember preferences such as language and settings.

Analytics/performance — help us understand how the Platform is used so we can improve it.

Marketing — used to deliver and measure relevant communications (only with your consent where required).

Article 3: Third-party cookies

Some cookies are set by third-party providers (for example, analytics or marketing partners), whose use of data is governed by their own policies.

Article 4: Legal basis and consent

Strictly necessary cookies are used on the basis of our legitimate interest in operating the Platform. Other cookies are used only where you consent (for example, via our cookie banner). You can change or withdraw consent at any time.

Article 5: Managing cookies

You can manage cookies through our cookie settings and through your browser, which lets you block or delete cookies. Blocking some cookies may affect how the Platform works.

Article 6: Changes and contact

We may update this Cookie Policy by posting a revised version. Questions: [email protected].

These Guidelines explain how the Company responds to requests for customer data from law-enforcement agencies, regulators and other authorities. They are informational and do not waive any right or create any obligation beyond Applicable Law.

Article 1: Legal process required

The Company requires valid legal process — a subpoena, warrant, court order, production order or equivalent issued under Applicable Law, before disclosing customer personal data. The Company may make voluntary disclosures only where permitted or required by law.

Article 2: How to submit

Requests should be sent to [email protected] and must identify the requesting authority and official, the legal basis, the specific Account(s) (for example, account ID, registered email), and the precise data sought, with particularity. Overly broad requests may be declined or narrowed.

Article 3: Emergency requests

In an emergency involving a risk of death or serious physical harm, the Company may consider a request submitted with an explanation of the emergency, to the extent permitted by Applicable Law.

Article 4: Foreign authorities

Authorities outside Saint Vincent and the Grenadines should generally proceed through mutual legal-assistance (MLAT) channels and applicable Saint Vincent and the Grenadines legal process, including, where relevant, the FIU and the courts of Saint Vincent and the Grenadines.

Article 5: Notice to customers

The Company may notify the affected customer of a request before disclosure, unless prohibited by law or court order or where notice would create a risk to safety or an investigation.

Article 6: Fees and response times

The Company may charge a reasonable fee for processing requests where permitted and will respond within a reasonable period (typically no fewer than [30] days), depending on the scope and legal requirements.

Article 7: Preservation and retention

The Company may honour lawful data-preservation requests pending receipt of valid legal process.

Article 8: No waiver

Responding to or objecting to a request does not waive any legal right or objection available to the Company or its customers.

Article 1: Scope

This Policy governs how you fund your Account and withdraw funds, and applies together with the Non-Trading Transactions Regulation and the AML/CFT & KYC Policy.

Article 2: Accepted methods and currencies

Accepted payment methods, currencies, and any minimum and maximum amounts are shown on the Platform and may change. Availability may depend on your country and verification status.

Article 3: No cash; own-name funds only

The Company does not accept or pay out cash. All funds must be sent from, and withdrawals paid to, a payment instrument or account held in the Client's. Third-party payments are not accepted.

Article 4: Deposits

Deposits are credited after cleared funds are received. The Company is not responsible for delays caused by payment providers, banks or card issuers. The Company may decline a deposit and return it (net of third-party charges) for verification, AML/CFT, sanctions, risk or legal reasons.

Article 5: Withdrawals

Withdrawals require completed KYC and are subject to minimum amounts, fees and processing times shown on the Platform. Withdrawals are paid, where reasonably possible, to the same instrument and name used for deposits (return-to-source). The Company may request further documents and may decline, delay or partially process a withdrawal for verification, AML/CFT, sanctions, risk or legal reasons, where there are open positions or unmet bonus conditions, or where amounts are owed to the Company.

Article 6: Fees and charges

Applicable deposit/withdrawal fees and any payment-provider charges are disclosed on the Platform. The Company may pass on third-party charges. Inactivity/dormancy fees, if any, are disclosed and applied as set out in the Service Agreement.

Article 7: Currency conversion

Where conversion is required, the Company applies the rate disclosed on the Platform, which may include a margin; conversion costs are borne by the Client.

Article 8: Reversals and corrections

The Company may reverse or correct erroneous credits or debits and adjust the Account accordingly.

Article 9: Suspension of payments

The Company may suspend deposits or withdrawals where necessary for verification, security, AML/CFT, sanctions, legal or risk reasons.

Article 1: Scope

This Policy explains when and how funds may be refunded and how the Company handles chargebacks. Trading losses are not refundable.

Article 2: When refunds may be issued

Refunds may be issued for verified erroneous or duplicate deposits, amounts paid in error, or where required by Applicable Law. Refund requests should be sent to [email protected] with relevant details.

Article 3: Method and timeframe

Approved refunds are returned to the original payment instrument (return-to-source), in the original currency where possible, net of any third-party charges, within a reasonable period after verification.

Article 4: Effect of bonuses

Bonus or promotional credits are not refundable and may be deducted from a refund. Refunds may be subject to the Promotions, Bonus & Referral Terms.

Article 5: Chargebacks

A "chargeback" is a reversal of a card payment initiated through your card issuer. If you have a problem with a payment, contact us first. Initiating a chargeback without contacting us may be treated as a breach; the Company may suspend or close the Account, freeze funds, investigate, recover its costs and any resulting losses, and report fraud to the relevant authorities.

Article 6: Disputes

Payment-related disputes are handled under the Complaints-Handling Procedure.

Article 1: What the 1-Click Service is

The ONE Service lets you make repeat deposits quickly using a payment method you have previously used and authorized, without re-entering full payment details each time.

Article 2: Consent and authorization

By enabling the ONE Service, you authorize the Company and its payment providers to charge your selected payment method for deposits you initiate through the Service. Each charge is initiated by you.

Article 3: Stored details

To provide the Service, payment credentials may be stored in tokenized form as described in the Card Credentials Storage Agreement and processed in compliance with PCI-DSS.

Article 4: Disabling and revocation

You can disable the ONE Service or remove a stored payment method at any time in your Account settings or by contacting [email protected]. Disabling it does not affect deposits already processed.

Article 5: Security and liability

You are responsible for keeping your Account credentials and device secure. The Company is not liable for unauthorized use resulting from your failure to do so, except as stated in the Service Agreement.

Article 6: Refunds

Refunds for deposits made through the ONE Service are handled under the Refund & Chargeback Policy.

Article 1: Consent

By choosing to save your card for future use, you consent to the Company and its PCI-DSS-compliant payment providers storing your card credentials in tokenized form for the purposes set out below.

Article 2: What is stored

Card data is stored in tokenized/encrypted form by the payment provider. The Company does not store your full card number or CVV on its own systems.

Article 3: Purpose

Stored credentials are used only to process deposits you initiate (including via the ONE Service) and to detect and prevent fraud.

Article 4: Sharing

Card data is shared only with payment providers and as required by Applicable Law; it is handled in accordance with the Privacy Policy.

Article 5: Deletion

You may delete stored card credentials at any time in your Account settings or by contacting [email protected]. Deletion does not affect transactions already processed, and the Company may retain limited records as required by law.

Article 6: Liability and changes

The Company applies reasonable security measures but cannot guarantee absolute security. The Company may update this Agreement by posting a revised version.

Article 1: General

These Terms apply to all promotions, bonuses, rewards and referral programmes offered by the Company, in addition to any specific terms published for a particular promotion. If specific terms conflict with these Terms, the specific terms prevail for that promotion.

Article 2: Eligibility

Promotions are available only to eligible Clients who are not Restricted Persons, who have a verified Account, and who meet the stated conditions. Promotions are limited to one per person, Account, household, device and IP address unless stated otherwise. Employees, affiliates and their relatives are excluded.

Article 3: How bonuses work

Where a bonus is offered, the amount, how it is credited, any trading/turnover requirement, validity period and how it affects withdrawals are set out in the relevant promotion terms. A bonus may be credited as non-withdrawable credit until the stated conditions are met.

Article 4: Trading/turnover conditions

Withdrawal of a bonus or of profits derived from it may require completing a minimum trading volume within a stated period. If conditions are not met, the bonus and related profits may be removed.

Article 5: Effect on withdrawals

Requesting a withdrawal before bonus conditions are met may forfeit the bonus and related profits. The Company will process withdrawals of your own deposited funds in accordance with the Payment, Deposit & Withdrawal Policy.

Article 6: Anti-abuse and clawback

The Company may withhold, cancel or claw back any bonus, reward or profit, and may suspend or close the Account, where it reasonably determines that a Client has abused a promotion (for example, through multiple accounts, collusion, bonus-only trading, hedging across accounts, or other conduct contrary to the spirit of the promotion).

Article 7: Amendment and cancellation

The Company may amend, suspend or cancel any promotion at any time, including for individual Clients where abuse is suspected, without affecting validly accrued entitlements except as permitted by Applicable Law.

Article 8: Referral programme

Where a referral programme is offered: rewards are paid only for genuine referrals of new, eligible, verified Clients who are not Restricted Persons; self-referrals and fake or duplicate accounts are prohibited; reward amounts, conditions and limits are as published; and the Company may withhold or recover rewards obtained through abuse.

Article 9: Tax

You are responsible for any taxes arising from bonuses, rewards or referral payments.

The Company maintains this procedure as a matter of good business practice. We aim to handle complaints fairly, promptly and transparently.

Article 1: How to submit a complaint

Submit your complaint to [email protected], including your Account ID, a clear description of the issue, relevant dates and amounts, and any supporting documents.

Article 2: Acknowledgement

We will acknowledge your complaint within 14 business days of receipt and may ask for further information.

Article 3: Investigation and final response

We will investigate and provide a final written response within 60 days of receipt, explaining our findings and any resolution. If we need more time due to complexity, we will tell you and give an expected timeframe.

Article 4: Escalation

If you are not satisfied with our final response, you may refer the matter to the agreed external dispute-resolution body, if any.

Article 5: Records

We keep records of complaints and their outcomes for at least the period required by Applicable Law.