1. Introduction

These General Terms and Conditions (“Terms”) govern access to and use of the online trading, copy trading, MAM, technology solutions, and financial card services offered under the Binvank™ commercial brand (“the Platform”, “we”, “our”, or “Binvank™”). By accessing, registering with, or using any service provided by Binvank™, you fully accept these Terms.

2. Definitions

• User: Any natural or legal person who accesses or uses Binvank™ services.
• Platform: The set of applications, websites, interfaces, and systems operated under the Binvank™ brand.
• Services: Include but are not limited to electronic trading, copy trading, MAM, prepaid cards, account management, and access to financial markets.
• Account: A digital registration created by the User to interact with the Services.

3. Nature of the Services

Binvank™ operates under an ECN/STP no dealing desk (NDD) execution model, providing direct access to international financial markets. The Platform does not provide personalized financial advice or guarantee investment results.

4. Eligibility and Registration

Services are available exclusively to Users who:

• Are of legal age under the laws of their country of residence.
• Are not located in restricted jurisdictions (see clause 19).
• Have successfully completed identity verification processes (KYC/AML).
  We reserve the right to accept or reject any account application without the obligation to justify our decision.

5. User Responsibilities

The User agrees to:

• Use the Platform in accordance with applicable law and these Terms.
• Maintain the confidentiality of their access credentials.
• Assume full responsibility for all activity conducted through their Account.
• Immediately notify us of any unauthorized use or suspected breach.

6. Order Execution and Trading Platform

Orders are executed electronically through direct routing (STP) technology without human intervention. The User acknowledges that:

• Market conditions may cause slippage, latency, or partial order execution.
• Binvank™ does not guarantee execution at the requested price.
• Variable spreads, commissions, and possible third-party fees may apply.

7. Copy Trading and MAM

Users may choose to participate in social trading and asset management programs:

• Copy Trading: The Platform automatically replicates the trades of other traders selected by the User.
• MAM (Multi-Account Manager): Allows authorized managers to operate multiple accounts under proportional allocation.
  Binvank™ assumes no responsibility for the performance of copied traders or decisions made by managers. The User accepts the inherent risks.

8. Prepaid Card and Linked Financial Services

Prepaid cards offered by Binvank™ allow global payments and are linked to the User’s Account. Card usage is subject to:

• Acceptable use policies.
• Operational limits and security checks.
• Possible issuance, conversion, and withdrawal fees.
  Binvank™ does not guarantee global acceptance of the card and is not liable for restrictions imposed by third parties (merchants, banks, ATMs).

9. Fees and Commissions

Applicable fees are published on the official Binvank™ website and may include:

• Spreads and trade commissions.
• Inactivity charges.
• Withdrawal and currency conversion fees.
  These fees are subject to change without prior notice unless otherwise specified.

10. Refund Policy and Account Closure

The User may request to close their account at any time. Available funds will be returned in accordance with our Refund Policy, subject to deduction of any outstanding balances. Binvank™ reserves the right to close accounts in the event of:

• Violations of these Terms.
• Suspicious or fraudulent activity.
• Regulatory requirements.

11. Data Protection and Privacy

The User’s personal data is processed in accordance with Binvank™’s Privacy Policy, following principles of transparency, security, and confidentiality. Data may be stored and processed on external servers as detailed in said policy.

12. Security and Risk Prevention

Binvank™ implements cybersecurity protocols and regulatory compliance measures to protect User funds and information. However, the User acknowledges the inherent risks of the digital environment and releases Binvank™ from liability for losses caused by cyberattacks, technological failures, or unauthorized third parties.

13. Disclaimer

The Platform is provided “as is,” without express or implied warranties. Binvank™ does not guarantee:

• Specific investment outcomes.
• Uninterrupted system availability.
• The complete absence of software or execution errors.

14. Limitation of Liability

Binvank™ shall not be liable under any circumstances for:

• Financial losses, direct or indirect.
• Consequential damages or loss of profit.
• Technical or connectivity failures.
  If applicable, total liability shall be limited to the total amount deposited by the User during the 30 days preceding the event that gave rise to the claim.

15. Intellectual Property

All content on the Platform, including software, trademarks, logos, designs, and texts, is the exclusive property of Binvank™ or its licensors and is protected under applicable law.

16. Modification of Terms

We reserve the right to modify these Terms at any time. Updated versions will be available at binvank.com and will take effect upon publication. It is the User’s responsibility to review them periodically.

17. Communications

All official communications will be made electronically via email or within the Platform. The User agrees that digital means are a valid form of communication.

18. Governing Law and Dispute Resolution

Without prejudice to the restricted jurisdictions clause, any dispute will be managed in accordance with Binvank™’s Dispute Resolution Policy and the mechanisms established for mediation or neutral arbitration.

19. Restricted Jurisdictions

Binvank™ does not offer services to residents, citizens, or entities incorporated in countries or territories subject to sanctions or where financial services are prohibited or restricted. This includes, but is not limited to, the United States, Iran, North Korea, among others.

20. Final Acceptance

By using Binvank™ services, the User declares that they have read, understood, and fully accepted these Terms, as well as the complementary policies published on the official website.