Terms of Service

1. Acceptance of Terms

By accessing or using the Mintlix platform, website, mobile application, and any associated services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

Mintlix reserves the right to modify or update these Terms at any time without prior notice. Your continued use of the Service after any changes constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Definitions

"Account" means the investment account opened by a User on the Mintlix platform.

"User" means any individual or entity that registers for an account or uses the Service.

"Investment" means any asset, digital currency, security, or financial instrument purchased or held through the platform.

"Portfolio" means the collection of Investments held in a User's Account.

"Platform" means the Mintlix website, mobile application, and associated infrastructure.

"KYC" means Know Your Customer verification procedures required to comply with anti-money laundering regulations.

3. Account Registration & Eligibility

3.1 Eligibility

To open an Account, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into a binding agreement;
• Not be a resident of any jurisdiction where use of the Service is prohibited by law;
• Provide accurate, complete, and current information during registration.

3.2 Account Verification

To comply with regulatory requirements, all Users must complete KYC verification by providing:

• Government-issued identification (passport, driver's license, or national ID);
• Proof of address (utility bill or bank statement dated within the last 3 months);
• A selfie or live photo for identity confirmation.

Mintlix reserves the right to request additional documentation and to reject any application at its sole discretion.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any multi-factor authentication codes. You agree to notify us immediately of any unauthorized access or use of your account. Mintlix is not liable for any loss or damage arising from your failure to protect your account.

4. Investment Services

4.1 Investment Offerings

Mintlix provides access to a wide range of investment products, including but not limited to:

• Cryptocurrencies and digital assets;
• Stocks, ETFs, and exchange-traded products;
• Fixed income securities and treasury instruments;
• Real estate investment trusts (REITs);
• Commodities and forex products.

Availability of specific products may vary by jurisdiction and is subject to regulatory approval.

4.2 Investment Execution

All investment orders placed through the platform are executed at the prevailing market price at the time of execution. Mintlix does not guarantee any specific price or execution time. Orders may be subject to delays due to market conditions or technical factors.

4.3 No Investment Advice

5. Fees & Payment Terms

5.1 Fee Structure

Mintlix charges transparent fees for its services, which include:

• Management Fee: 0.5% - 1.5% annually based on portfolio size, charged monthly;
• Trading Fees: 0.1% per trade for standard accounts;
• Deposit Fees: Free for bank transfers; card deposits may incur processing fees;
• Withdrawal Fees: First 5 withdrawals per month free, then ₦5,000 per withdrawal (or equivalent in other currencies).

All fees are disclosed in your account dashboard and may be updated with 30 days' notice.

5.2 Deposits

Funds deposited into your account are held in segregated accounts with licensed financial institutions. Minimum deposit amounts vary by payment method. Mintlix does not charge interest on deposited funds.

5.3 Withdrawals

Withdrawal requests are processed within 1-5 business days depending on the method. You may only withdraw funds to verified accounts in your name. Mintlix reserves the right to delay withdrawals pending security review or regulatory compliance.

6. Risk Disclosure

Investing involves substantial risk of loss. By using the Service, you acknowledge and accept the following risks:

• Market Risk: Investment values may fluctuate significantly and you may lose part or all of your invested capital;
• Cryptocurrency Risk: Digital assets are highly volatile and may be subject to rapid price changes, hacking, and regulatory uncertainty;
• Liquidity Risk: Some investments may be illiquid, making it difficult to exit positions at desired prices;
• Regulatory Risk: Changes in laws or regulations may adversely affect the value or legality of investments;
• Technical Risk: Platform outages, cyber attacks, or technical failures may impact your ability to access or manage your portfolio.

7. Privacy & Data Protection

Mintlix is committed to protecting your personal information. Our data practices include:

• Collection of necessary personal and financial information for account verification and regulatory compliance;
• Bank-grade encryption (256-bit SSL) for all data transmission;
• Strict confidentiality agreements with third-party service providers;
• No sale or rental of personal data to third parties for marketing purposes.

For complete details, please review our Privacy Policy, which forms an integral part of these Terms.

8. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the platform for any illegal purpose or in violation of any applicable law;
• Attempting to gain unauthorized access to any part of the Service;
• Engaging in market manipulation, wash trading, or fraudulent activities;
• Using the Service in any jurisdiction where such use is prohibited;
• Interfering with or disrupting the integrity or performance of the platform;
• Providing false, inaccurate, or misleading information during registration or transactions.

Violation of these restrictions may result in immediate account termination and legal action.

9. Termination & Suspension

Mintlix reserves the right to suspend or terminate your account at any time, with or without cause, including but not limited to:

• Violation of these Terms or any applicable laws;
• Suspicious or fraudulent activity detected in your account;
• Failure to complete KYC verification within the required timeframe;
• Bankruptcy, insolvency, or similar proceedings involving you.

Upon termination, you may withdraw any remaining funds in your account, subject to applicable fees and regulatory requirements. Mintlix may withhold funds pending investigation of suspected violations.

10. Limitation of Liability

To the maximum extent permitted by law, Mintlix and its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment value, arising from:

• Your use or inability to use the Service;
• Any unauthorized access to or alteration of your account;
• Any investment losses incurred through the platform;
• Any technical failures, delays, or interruptions of service;
• Any third-party actions or omissions.

11. Governing Law & Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.

11.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiations. If the dispute cannot be resolved within 30 days, it shall be submitted to binding arbitration in London, United Kingdom, in accordance with the rules of the London Court of International Arbitration (LCIA).

11.3 Class Action Waiver

You agree to resolve any disputes on an individual basis and waive any right to participate in a class action or representative proceeding against Mintlix.