The official language of the Company is English. In the event of any inconsistency or discrepancy between the English version and any translated version of this document or the Company’s website, the English version shall prevail. Any translations are provided for convenience and informational purposes only and shall not have legal effect. While the Company makes reasonable efforts to ensure the accuracy of translated content, it does not guarantee that such translations are complete, accurate, or free from errors.

Risk disclosure statement

This Risk Disclosure Statement forms an integral part of the Client Agreement and should be read carefully before opening an account or engaging in any trading activity with the Company. It does not disclose all of the risks associated with trading foreign exchange, CFDs, and other derivative products. Clients should ensure they fully understand the nature of these financial instruments, the legal obligations arising from such transactions, and the extent of the risks involved before trading. Trading leveraged financial products involves a high level of risk and may not be suitable for all investors. Before deciding to trade, you should carefully consider your investment objectives, level of experience, financial situation, and risk tolerance.

1. Operations with foreign currency and derivatives

1.1 Leveraged Trading

Trading leveraged financial instruments involves a high level of risk. While leverage can significantly increase potential profits, it can also substantially increase potential losses.

Margin requirements vary depending on the financial instrument traded and prevailing market conditions. When trading on margin, you may lose all of your initial investment and, where permitted by applicable law, your losses may exceed the amount originally deposited into your trading account.

Because leverage amplifies market movements, even small fluctuations in market prices may have a significant impact on your trading position. If the equity in your trading account falls below the required margin level, the Company may require you to deposit additional margin to maintain your open positions.

Failure to meet a margin call within the required timeframe may result in the Company closing one or more of your open positions without prior notice. You will remain responsible for any resulting losses or outstanding obligations

1.2 Risk Management Orders and Trading Strategies

The use of risk management tools, including stop-loss and take-profit orders, may help reduce trading risks but cannot eliminate them.

Under certain market conditions, including periods of high volatility, low liquidity, market gaps, or trading interruptions, orders may not be executed at the requested price or may not be executed at all. As a result, losses may exceed your intended risk limits.

No trading strategy or risk management technique can guarantee profits or prevent losses. You should carefully consider the risks associated with your trading strategy before entering into any transaction

2. Additional risks specific to transactions with foreign currency and derivatives

2.1 Conditions for Entering into Transactions

Before entering into any transaction, you should carefully review all relevant information provided by the Company regarding the products and services offered, including applicable trading conditions, margin requirements, fees, settlement procedures, and any contractual obligations associated with the transaction.

Certain financial instruments, including foreign exchange, Contracts for Difference (CFDs), precious metals, commodities, indices, and other derivative products, may involve specific rights and obligations, including settlement, expiration, rollover, or delivery requirements where applicable. You should ensure that you fully understand these obligations before trading.

Under certain market conditions, exchanges, liquidity providers, clearing houses, or other relevant market participants may modify trading rules, contract specifications, margin requirements, or settlement procedures. Such changes may affect your open positions and increase your risk exposure

2.2 Market Conditions and Price Volatility

Certain market conditions, including periods of low liquidity, extreme price volatility, market disruptions, or trading suspensions, may significantly affect the execution of your orders and increase the risk of financial loss.

Under such circumstances, orders may not be executed at the requested price, may experience slippage, or may not be executed at all. In addition, the market price of a financial instrument may not always accurately reflect its fair value due to rapid market movements or temporary pricing inefficiencies.

Clients should understand that adverse market conditions may result in substantial losses regardless of any trading strategy employed

2.3 Client Funds and Assets

You should understand how your funds are handled and protected by the Company in accordance with applicable laws and internal policies.

Although the Company implements appropriate measures to safeguard client funds where required, circumstances such as insolvency, operational failure, or other unforeseen events may affect the timely return of your funds or assets. The extent of any available protection depends on the applicable legal and regulatory framework governing the Company and the relevant jurisdiction.

You should familiarize yourself with the Company’s policies regarding the protection, segregation, and handling of client funds before opening an account.

2.4 Fees, Charges and Costs

Before opening an account or entering into any transaction, you should carefully review all applicable fees, commissions, spreads, swap charges, financing costs, conversion fees, and any other charges that may apply to your trading activities.

These costs may significantly affect the overall profitability of your trading and should be taken into consideration when making investment decisions.

The Company reserves the right to amend its fee schedule in accordance with the Client Agreement and applicable regulations

2.5 Cross-Border Transactions

Trading financial instruments in foreign markets or across multiple jurisdictions may expose you to additional legal, regulatory, operational, and financial risks.

Different jurisdictions may have different laws governing investor protection, dispute resolution, taxation, market practices, and regulatory oversight. As a result, your rights and available legal remedies may differ from those applicable in your country of residence.

You acknowledge and accept that transactions executed through the Company may be subject to the laws and regulations of jurisdictions other than your own

2.6 Currency Risk

Trading financial instruments denominated in a currency different from the base currency of your trading account may expose you to exchange rate risk.

Fluctuations in foreign exchange rates may affect the value of your profits, losses, deposits, withdrawals, and account balances when converted into your account’s base currency. These fluctuations may increase or decrease your overall returns, regardless of the underlying financial instrument’s performance.

Clients should carefully consider the potential impact of exchange rate movements before trading products denominated in foreign currencies

2.7 Liquidity Risk

Liquidity risk may affect your ability to open, modify, or close trading positions at your preferred price or within your preferred timeframe.

During periods of reduced market liquidity, increased volatility, or significant market events, the Company may experience delays in order execution, wider spreads, increased slippage, or temporary limitations on trading certain financial instruments.

Where the equity in your trading account falls below the required margin level, the Company may issue a margin call or, where permitted under the Client Agreement, automatically close one or more open positions to limit further losses.

Clients acknowledge that liquidity conditions are outside the Company’s control and may materially affect trading outcomes.

2.8 Stop-Loss and Other Risk Management Orders

Stop-loss orders, take-profit orders, trailing stops, and other risk management tools are designed to assist in managing trading risk; however, they cannot guarantee that losses will be limited to a predetermined amount.

During periods of high market volatility, low liquidity, market gaps, or trading interruptions, such orders may be executed at prices different from those requested or may not be executed immediately.

Clients acknowledge that no order type or trading strategy can eliminate the risks associated with leveraged trading

2.9 Order Execution Risk

Order execution may be affected by factors beyond the Company’s reasonable control, including market volatility, reduced liquidity, technical disruptions, communication delays, or system failures.

As a result, your order may be executed at a different price than expected, partially executed, delayed, or, in certain circumstances, rejected.

The Company makes reasonable efforts to execute client orders promptly and fairly; however, execution prices cannot be guaranteed under all market conditions.

Clients should understand that execution risk is an inherent characteristic of trading leveraged financial instruments

2.10 Counterparty Risk

Counterparty risk refers to the possibility that the Company, a liquidity provider, payment service provider, custodian, banking partner, or any other third-party service provider involved in the execution or settlement of transactions may fail to fulfil their financial or contractual obligations.

Although the Company carefully selects its business partners and implements appropriate risk management procedures, unforeseen events such as insolvency, operational failures, cyber incidents, or regulatory actions may affect the Company’s ability to provide uninterrupted services or process client transactions.

Clients acknowledge that counterparty risk is an inherent part of trading financial instruments and cannot be eliminated.

2.11 Trading Systems and Technology Risk

Trading services are provided through electronic trading systems that rely on software, hardware, communication networks, and third-party technology providers.

Despite the Company’s efforts to maintain reliable and secure trading systems, interruptions, delays, hardware failures, software errors, cyber-attacks, internet connectivity issues, or other technical problems may occur and affect your ability to access the trading platform, place orders, modify positions, or receive market information.

The Company shall not be liable for losses resulting from circumstances beyond its reasonable control, including failures of communication systems, internet services, third-party infrastructure, or force majeure events. 

2.12 Electronic Trading Risks

Trading through electronic trading platforms involves inherent technological and operational risks.

Electronic systems may experience delays, interruptions, data transmission errors, connectivity failures, software malfunctions, or other technical issues that could affect order execution, account access, market data, or other trading functions.

Although the Company implements appropriate security and monitoring measures, uninterrupted availability of electronic trading services cannot be guaranteed.

Clients acknowledge and accept the risks associated with the use of electronic trading platforms

2.13 Over-the-Counter (OTC) Transactions

Certain financial instruments offered by the Company may be traded over-the-counter (OTC) rather than on a regulated exchange.

OTC transactions may involve additional risks, including reduced market transparency, lower liquidity, pricing differences, increased counterparty risk, and limited availability of independent market information.

The Company may act as the counterparty to certain OTC transactions where permitted by applicable laws and regulations. Clients acknowledge that OTC markets may operate under different regulatory frameworks than exchange-traded markets and may therefore involve additional risks.

Clients should carefully consider these risks before entering into OTC transactions

3. Limitation of liability

The Company does not guarantee the profitability of any investment or trading activity and makes no representation that trading financial instruments will result in profits or prevent losses.

All trading decisions are made solely by the Client, who assumes full responsibility for evaluating the suitability of any investment or trading strategy based on their individual financial circumstances, investment objectives, and risk tolerance.

To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, consequential, or special losses arising from trading activities, market movements, system interruptions, communication failures, or circumstances beyond the Company’s reasonable control.

Nothing contained in this Risk Disclosure Statement shall exclude or limit any liability that cannot legally be excluded under applicable law.

By opening an account and using the Company’s services, the Client acknowledges that they have read, understood, and accepted the risks associated with trading leveraged financial instruments.

Money laundering is converting money or other monetary instruments gained from illegal activity (fraud, corruption, terrorism, etc.) into money or investments that appear to be legitimate so that their illegal source cannot be traced.
In the event of circumstances in which Company’s client, agent, or employee has attempted money laundering, Company will take all necessary measures to prevent the above circumstances and their possible consequences in compliance with domestic and international law.

Company anti-money laundering procedures

Company strictly follows the provisions of the anti-money laundering and counter-terrorism financing policy (AML/KYC). To help governments combat the threat of money laundering and financing terrorist activities around the world, all financial organizations commit to collecting, verifying, and storing an account holder’s ID data. For that purpose, Company has set up a highly sophisticated electronic system for countering money laundering. This system documents and verifies client identification data and tracks detailed records of all transactions.
As part of its anti-money laundering program, Company follows the procedures described below:

Client Identification
For the purpose of complying with Anti-Money laundering laws, Company requires two different documents to verify the identity of the customer. The first document we require is a legal government-issued, identifying document with the picture of the customer on it. It may be a government-issued passport, driver’s license (for countries where the driver’s license is a primary identification document) or local ID card (no company access cards). The second document we require is a bill with the customer’s own name and actual address on it issued 3 months ago at the earliest. It may be a utility bill, a bank statement, an affidavit, or any other document with the customer’s name and address from an internationally recognized organization.
To make deposits using a bank card, clients are required to submit full-size color copies of the front and back sides of their bank cards within two days. Should a client refuse to provide such copies in time, his/her trading account will be blocked, and money will go back on the card. The front side of the bank card must feature the first six and last four digits of the card number, as well as the holder’s name and the expiry date. The back of the card must be signed. The CVC/CVV code must be covered. According to VISA and Mastercard rules, the holder’s signature must be located in the signature field on the back of the card. If a card doesn’t have the holder’s name or a virtual card is used, clients are required to provide a screenshot of their profile with a bank or a bank statement that shows the card number and the holder’s name.
To change the phone number related to the Client Profile, Clients are required to provide a document confirming ownership of a new phone number (agreement with a mobile phone service provider) and a photo of the ID held beside the Client’s face. The Client’s personal data shall be the same in both documents.
Clients must submit up-to-date identification information and immediately inform Company of any changes in their identification information.
All documents must be in English or translated into English by an official translator; the translation must be stamped and signed by the translator and sent together with the original document clearly showing the client’s photo.

Tracking and Documentation
Company thoroughly monitors suspicious activities/transactions and reports such activities to the appropriate authorities on time. The international legal framework protects the Master Traders of such information.

No cash settlements
Company does not accept cash deposits, withdrawals, and any other cash payments under any circumstances to minimize the risk of money laundering and terrorist financing.

PEP monitoringThe client undertakes to declare their PEP (politically exposed person) status by ticking the appropriate field in the Verification section of their Client Profile and providing copies of documents confirming such status and indicating the origin of funds used to make a deposit. A politically exposed person means a natural person who is or who has been entrusted with prominent public functions and includes the following:
a) heads of State, heads of government, ministers, and deputy or assistant ministers;
b) members of parliament or similar legislative bodies;
c) members of the governing bodies of political parties;
d) members of supreme courts, of constitutional courts or of other high-level judicial bodies, the decisions of which are not subject to further appeal, except in exceptional circumstances;
e) members of courts of auditors or the boards of central banks;
f) ambassadors, chargés d’affaires and high-ranking officers in the armed forces;
g) members of the administrative, management or supervisory bodies of State-owned enterprises;
h) directors, deputy directors and members of the board or equivalent functions.
i) mayors.
No public function referred to in points (a) to (i) shall be understood as covering middle-ranking or more junior officials.
Family members include the following:
a) the spouse, or a person considered to be equivalent to a spouse, of a politically exposed person;
b) the children and their spouses, or persons considered to be equivalent to a spouse, of a politically exposed person;
c) a politically exposed person’s parents.
Persons known to be close associates means:
a) natural persons who are known to have joint beneficial ownership of legal entities or legal arrangements, or any other close business relations, with a politically exposed person;
b) natural persons who have sole beneficial ownership of a legal entity or legal arrangement which is known to have been set up for the de facto benefit of a politically exposed person.
The Company is legally obliged to refuse service and return money if a politically exposed person (PEP) fails to provide documents explaining the origin of deposit funds. The Company undertakes to repeat identification of PEP statuses that have been confirmed every year to update the data.

Refusal to process suspicious transactions
Company reserves the right to refuse a transaction at any stage if, in Company’s opinion, the transaction may be related to money laundering or criminal activity. Company is not obligated under international law to inform the client that their activities have been reported as suspicious to the appropriate authorities.

System updates
Company regularly updates its electronic system to verify transactions and client identification data in compliance with current legislation.

Data storage
Upon closing access to the client’s profile, the client’s trading accounts on the website or in the mobile application, and the trading platforms, the following data will be stored for 5 years:
For individual Clients
Personal information:

• сompany name,
• full company corporate details,
• user ID,
• phone number,
• email address.

Financial information:

• payment details,
• trading history,
• correspondence with the company.

Photo and video:

• copies and/or photos of the company’s supporting corporate documents,
• copies and/or photos of supporting documents of the individual representing the company.

Payment Policy: Deposits and Withdrawals
Please be aware that chargebacks to Skrill payment system and bank cards are prohibited. To make a withdrawal from a trading account to one of these systems, it is necessary to submit an application through the Client’s Profile. Money will be loaded into the wallet within 3 business days. If money has been lost when trading, it cannot be reimbursed by means of a chargeback. Please read the risks disclosure before you start trading: https://www.wegolden.com/riskdisclosure/.
WeGolden (Pty) Ltd requires all deposits to come from the sender, whose name is matching the name of the customer in Company’s records. Third party payments are not accepted.
As for withdrawals, money may be withdrawn from the same account and by the same way it was received. For withdrawals where the name of the recipient is present, the name must exactly match the name of the customer in our records. If the deposit was made by wire transfer, funds may be withdrawn only by wire transfer to the same bank and to the same account from which it originated. If the deposit was made by means of electronic currency transfer, funds may be withdrawn only by the means of electronic currency transfer through the same system and to the same account from which it originated.
To comply with the AML procedures, funds withdrawals have to be made solely in the same currency that was used to make a deposit.
When a bank card is used to withdraw funds, we require that the client’s profile (ID, phone number, email, and address) be fully verified so that payment processing centers’ requirements are observed.
When cryptocurrency is used to withdraw funds, we require that the client’s profile (ID, phone number, email, and address) be fully verified for secure payments and the protection of the client’s funds.
We act with due diligence and check users through a large database using Refinitiv World-Check. The database contains the main lists of sanctions and terrorist attacks. Thus, we can guarantee that dishonest persons do not have access to our platform.
Company has the right to revise this anti-money laundering program at any time and at its own discretion without notifying clients. Clients, employees, agents, and other related parties are responsible for complying with the AML program’s provisions.
If you have any inquiries, please contact us via e-mail: support@wegolden.com.

Website: www.wegolden.com |  Email: support@wegolden.com

TABLE OF CONTENTS

Appendix I Risk Disclosure Statement

Appendix II Schedule of Trading Conditions

Appendix III Order Execution Policy

1. INTRODUCTION

This Client Agreement (“Agreement”) is entered into between WE GOLDEN (PTY) LTD, a company incorporated in the Union of Comoros under Company Registration No. HT00524061, with its registered office at Bonovo Road, Fomboni, Island of Mohéli, Union of Comoros, and holding International Brokerage and Clearing House Licence No. BFX2024121 issued by MISA (the “Company”), and any individual or legal entity that opens a trading account with the Company (the “Client”).

2. DEFINITIONS AND INTERPRETATION

Unless otherwise stated:

• “Abusive Trading”means any form of trading activity that is considered abusive, unfair, or manipulative, including but not limited to scalping, latency arbitrage, front-running, price manipulation, use of automated trading systems exploiting delays or errors in price feeds, or any other technique intended to obtain unfair advantage or distort normal market operation.
• “Negative Balance Abuse”means any trading pattern or conduct designed to intentionally benefit from temporary negative balances, margin gaps, or platform delays to the disadvantage of the Company.
• “Affiliate”means any individual or entity directly or indirectly controlling, controlled by, or under common control with the Company.
• “Authorized Representative”means a person who has been expressly authorized in writing by the Client to act on their behalf in connection with this Agreement.
• “Base Currency”means the currency in which the Client’s account is denominated and all profits, losses, and balances are calculated.
• “Business Day”means any day on which commercial banks are generally open for business, excluding weekends and public holidays.
• “Client Portal”means the secured online area on the Company’s website through which Clients can access account details, submit documentation, make deposits or withdrawals, and receive notifications.
• “Company”refers to WE GOLDEN (PTY) LTD, its directors, officers, employees, successors, and permitted assigns.
• “Contract for Difference (CFD)”means a financial derivative that allows trading on the difference between the opening and closing price of an underlying asset, including but not limited to currencies, commodities, indices, and cryptocurrencies.
• “Execution-Only”means that the Company provides order execution services without offering investment advice, personal recommendations, or portfolio management.
• “Force Majeure Event”includes but is not limited to acts of God, war, terrorism, civil unrest, system or communication failure, market closure, natural disaster, or any event beyond the reasonable control of the Company that prevents performance of obligations.
• “Instrument”or“Financial Instrument”means any contract or derivative product made available for trading by the Company on its Trading Platform.
• “Margin”means the amount of funds required to open or maintain a trading position.
• “Margin Call”means the Company’s request to the Client to deposit additional funds to maintain open positions.
• “Market Price”means the current price offered by the Company, derived from its liquidity Master Traders and market data feeds.
• “Order”means an instruction by the Client to open or close a position in a Financial Instrument on the Trading Platform.
• “Professional Client”means a client who meets the regulatory criteria and is classified as such by the Company, acknowledging reduced regulatory protection.
• “Retail Client”means a client who does not meet the criteria for Professional or Eligible Counterparty classification and therefore enjoys the highest level of regulatory protection.
• “Trading Account”means the electronic account opened by the Client with the Company for trading in Financial Instruments.
• “Trading Platform”refers to the electronic trading system operated by the Company, including any related software, interface, or mobile application, used for the execution and management of trades in FX, CFDs, and other instruments.
• “Underlying Asset”means the financial instrument, index, commodity, currency pair, or other asset upon which a CFD is based.
• “Website”means the Company’s official website at www.wegolden.com, including any subdomains and secure client areas.

3. SCOPE OF AGREEMENT

3.1 General Application

This Agreement governs all trading activity and account types offered by WE GOLDEN (PTY) LTD, including but not limited to Standard, ECN, and Cent Accounts, as well as any other account category that may be introduced in the future. It applies to all products and services made available through the Company’s Trading Platform and Client Portal, including transactions in Foreign Exchange (“FX”), Contracts for Difference (“CFDs”) on commodities, indices, cryptocurrencies, and other financial instruments as determined by the Company.

3.2 Execution-Only Services

The Company operates strictly on an execution-only basis. This means that the Company provides order execution services without offering investment advice, financial consultation, asset management, or portfolio advisory services. All decisions to trade are made solely at the Client’s discretion and on the Client’s own judgment. Any market information, analysis, commentary, or research material provided by the Company is of a general and educational nature and shall not constitute personalized investment advice or a solicitation to trade.

3.3 Independent Decision-Making

The Client acknowledges and accepts that:

• The Company does not guarantee the performance of any trade or the profitability of any investment.
• The Client is solely responsible for determining whether any transaction is suitable in light of their financial situation, experience, and investment objectives.
• The Client understands that past performance of financial instruments does not guarantee future results.

3.4 Account Eligibility and Access

The services under this Agreement are available only to Clients who meet the Company’s internal compliance and risk assessment requirements, including KYC/AML verification. The Company reserves the absolute right to accept or reject applications at its discretion and may restrict access to certain products, features, or leverage levels based on jurisdictional, regulatory, or risk considerations.

3.5 Leverage and Margin Conditions

The maximum leverage available under this Agreement is 1:200, subject to the Company’s risk management policies and applicable regulatory requirements. The Company may reduce leverage or modify trading conditions at any time based on market volatility, account equity, instrument type, or compliance considerations.

3.6 Minimum Deposit and Funding

Each account type has a specified minimum deposit requirement, as published on the Company’s website or in the Schedule of Trading Conditions (Appendix II). Currently, the minimum deposit to open a trading account is USD 10 or the equivalent in another base currency. The Company reserves the right to revise deposit thresholds, margin requirements, or available leverage at its discretion.

3.7 No Custody or Advisory Relationship

The Client understands that the Company does not act as a fiduciary, advisor, or custodian of client funds beyond its regulatory segregation obligations. The Company’s responsibility is limited to executing client orders on a best-effort basis, maintaining client funds in segregated accounts, and providing transparent pricing and transaction reporting.

3.8 Scope of Instruments

The instruments available for trading under this Agreement may include:

• Spot FX pairs (major, minor, and exotic currencies)
• CFDs on indices, metals, commodities, and energy
• CFDs on cryptocurrencies and tokenized assets (where permitted)
• Any other derivatives introduced by the Company from time to time.

The Company reserves the right to add, modify, or remove instruments without prior notice, based on liquidity conditions, regulatory requirements, or business decisions.

3.9 Regulatory Boundaries

The Company is duly incorporated and operates in accordance with applicable laws and regulatory requirements. The Company holds an International Brokerage and Clearing House license and is committed to complying with applicable anti-money laundering, counter-terrorist financing, and investor protection requirements. This Agreement does not grant authorization to operate or solicit business in any jurisdiction where the offering of such services is restricted or prohibited by applicable law.

4. CLIENT ACCEPTANCE POLICY

4.1 Right of Acceptance or Rejection

The Company reserves the absolute right to accept, reject, suspend, or terminate any application for the opening of a trading account at its sole discretion, without obligation to provide a reason. Applications may be declined if, in the Company’s opinion, the Client’s background, financial standing, or source of funds raises compliance, reputational, or regulatory concerns. The Company may also limit the availability of certain products, leverage levels, or trading instruments based on the Client’s jurisdiction, risk profile, or regulatory restrictions.

4.2 Client Identification and Verification

In accordance with Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) regulations, all prospective Clients must undergo a complete Know Your Customer (KYC) verification process prior to activating their trading accounts. The purpose of this process is to ensure that Clients are genuine individuals or legal entities and that their funds originate from legitimate sources. The Company shall collect and verify the following documents and information:

For individual Clients:

• A valid government-issued photo identification (passport, national ID, or driver’s license) clearly showing the Client’s full name, date of birth, and photograph;
• A recent proof of residential address, such as a utility bill, bank statement, or government-issued document not older than three (3) months;
• Additional verification documents (e.g., income statement, tax return, source of funds declaration) may be required at the Company’s discretion.

For corporate Clients:

• Certificate of Incorporation and Memorandum & Articles of Association;
• Proof of registered office address;
• Copy of the corporate resolution authorizing account opening and trading;
• List of directors, shareholders, and Ultimate Beneficial Owners (UBOs);
• Identification and proof of address for each director and UBO holding 10% or more of shareholding.

4.3 Enhanced Due Diligence (EDD)

Where the Company deems necessary, it may perform Enhanced Due Diligence on certain Clients, particularly in the following cases:

• Clients originating from or residing in high-risk jurisdictions;
• Politically Exposed Persons (PEPs) and their associates;
• Clients engaging in large-value transactions or complex payment structures;
• Clients utilizing third-party payment methods or cryptocurrency wallets.

Enhanced Due Diligence may involve requesting additional documents, video verification, verification of wallet ownership, proof of income, or declarations of fund sources. Failure to comply with such requests may result in account suspension or rejection of application.

4.4 Ongoing Monitoring and Review

The Company conducts continuous monitoring of Client accounts and transactions to ensure ongoing compliance with AML/CFT standards. This includes but is not limited to:

• Periodic re-verification of identity documents;
• Monitoring for unusual or suspicious activity;
• Reviewing withdrawal and deposit patterns inconsistent with the Client’s profile.

The Company reserves the right to temporarily restrict, freeze, or terminate trading accounts pending completion of verification or review. Any suspicious activity may be reported to the relevant Financial Intelligence Unit (FIU) or other competent authority, in accordance with applicable anti-money laundering and counter-terrorist financing laws and regulations.

4.5 Accuracy and Truthfulness of Information

The Client confirms that all information and documents provided are true, accurate, and complete. The Client undertakes to promptly notify the Company of any change in identification details, address, contact information, or beneficial ownership. The Company shall not be liable for any loss arising from the Client’s failure to maintain accurate and updated information.

4.6 Retention of Records

All KYC documents and transaction records shall be retained by the Company for a minimum period of five (5) years from the date of the account’s closure or as required under applicable AML/CFT legislation. Such records may be disclosed to competent authorities upon lawful request.

4.7 Third-Party Verification Master Traders

The Company may utilize independent electronic verification systems, database checks, and KYC service Master Traders to validate Client information. By entering into this Agreement, the Client authorizes the Company to use such services for identity verification and fraud prevention purposes.

4.8 Prohibition of Third-Party Payments

For security and compliance reasons, the Company strictly prohibits deposits or withdrawals made by or to third-party accounts. Funds must originate from and be remitted to the same account in the Client’s name used for account registration.

4.9 Consequences of Non-Compliance

If the Client fails to provide requested documents or information within the timeframe specified by the Company, the account may remain inactive, restricted, or permanently closed. The Company is under no obligation to return funds or profits derived from unverified accounts, subject to applicable AML regulations.

5. COMMENCEMENT OF AGREEMENT

5.1 Effective Date of Agreement

This Agreement becomes legally effective and binding upon the Client once the Client’s trading account has been fully approved, verified, and funded in accordance with the Company’s internal account-opening and AML/CFT requirements. By proceeding with account activation, the Client acknowledges having read, understood, and accepted all terms and conditions contained herein.

5.2 Electronic Consent and Acceptance

The Client’s acceptance of this Agreement may be executed electronically through any of the following methods, all of which shall constitute valid and binding consent under applicable law:

• Completing the online account-application form and clicking the “Accept,” “I Agree,” or equivalent confirmation button on the Company’s website or trading platform;
• Confirming acceptance via email, digital signature, or secure client portal; or
• Funding the trading account or placing an order after being notified of these terms.

Electronic consent shall have the same legal effect as if the Client had signed a physical copy of this Agreement.

5.3 Activation of Trading Rights

Upon successful verification and initial deposit, the Company will issue the Client with:

• A unique trading-account number and login credentials;
• Access to the Trading Platform and Client Portal; and
• Confirmation that trading services have commenced.

The Client shall be solely responsible for maintaining the confidentiality and security of such credentials and for all activities conducted under their account.

5.4 Binding Nature of Transactions

All transactions executed through the Trading Platform after account activation are deemed to have been entered into pursuant to this Agreement and are irrevocably binding upon the Client. Each trade, deposit, withdrawal, or corporate-action request constitutes a legal and enforceable contract between the Client and the Company, governed by the provisions herein and any supplementary terms, policies, or schedules published on the Company’s website.

5.5 Supplementary Policies and Agreements

The Client acknowledges and agrees that the following documents, as amended from time to time and published on the Company’s website, form an integral part of this Agreement and are binding upon the Client:

• Risk Disclosure Statement (Appendix I)
• Order Execution Policy (Appendix III)
• Complaint Handling and Refund Policy (Appendix IV)
• KYC and Verification Requirements (Appendix V)
• Any product-specific terms, fee schedules, or promotional conditions communicated by the Company.

By continuing to use the Company’s services, the Client accepts any updates or amendments to these documents.

5.6 Conditions Precedent to Trading Access

The Company may, at its discretion, withhold account activation until:

• All required KYC/AML documents have been received and approved;
• The Client’s first deposit has cleared and been confirmed by the Company’s payment team;
• Any additional due-diligence or verification checks (including proof of source of funds) have been completed.

The Company shall not be liable for any delay in account activation caused by incomplete or inaccurate information supplied by the Client.

5.7 Duration and Continuity of Agreement

This Agreement shall remain in force from its effective date until terminated by either party in accordance with the Termination Clause. Any obligations or liabilities incurred prior to termination, including unsettled trades, fees, or disputes, shall continue to bind the Client and the Company until fully discharged.

5.8 Updates and Modifications After Commencement

The Company may issue amendments, notices, or supplementary agreements reflecting changes to operational, technical, or regulatory requirements. Continued use of the Company’s services after publication of such amendments constitutes the Client’s acceptance of the revised terms.

5.9 Suspension Prior to Full Activation

If the Company identifies inconsistencies in Client information, suspicious transactions, or incomplete documentation prior to or shortly after activation, it reserves the right to suspend, freeze, or delay account access until all issues are resolved to the Company’s satisfaction.

6. CLIENT CATEGORISATION

6.1 General Classification

In accordance with international regulatory standards and the Company’s internal compliance framework, WE GOLDEN (PTY) LTD classifies each Client as one of the following categories:

• Retail Client
• Professional Client
• Eligible Counterparty

The classification determines the level of regulatory protection, margin requirements, leverage limits, and disclosure obligations applicable to each Client.

7. CAPACITY AND REPRESENTATIONS

7.1 Legal Capacity and Authority

The Client represents and warrants that they possess full legal capacity, power, and authority to enter into this Agreement, to perform all obligations hereunder, and to place orders or conduct transactions with the Company. If the Client is a natural person, they affirm that they are of legal age and sound mind, and not subject to any legal disability or restriction preventing participation in online trading. If the Client is a corporate entity, partnership, or trust, it further represents that:

• It is duly incorporated, registered, and in good standing under the laws of its jurisdiction;
• The person executing this Agreement on its behalf has been duly authorized by appropriate corporate resolution or legal mandate;
• The execution and performance of this Agreement do not violate any law, charter, or contractual restriction binding upon it.

7.2 Accuracy and Completeness of Information

The Client confirms that all information provided to the Company—whether during account opening, ongoing verification, or subsequent updates—is true, complete, accurate, and not misleading in any material respect. The Client agrees to promptly inform the Company of any change in personal details, contact information, residency, or beneficial ownership. The Company shall rely on the accuracy of such information for the purpose of:

• Client categorisation and suitability assessment;
• Compliance with AML/CFT and regulatory reporting obligations;
• Risk profiling and account management.

The Company shall not be liable for losses, delays, or compliance issues arising from the Client’s failure to maintain current and truthful information.

7.3 Beneficial Ownership Declaration

The Client declares that they are the ultimate beneficial owner of the funds deposited into the trading account and that such funds are free from any lien, encumbrance, or third-party claim. The Client further undertakes that no other person has any direct or indirect interest or control over the trading account unless expressly disclosed in writing and accepted by the Company. Where the Client acts as an agent or on behalf of another person, the Client must disclose such relationship in advance and provide supporting documentation as required by the Company.

7.4 Authority to Trade

The Client authorizes the Company to act upon any instructions received through its authenticated trading systems or communication channels, including orders submitted electronically through the Trading Platform or Client Portal. The Company shall be entitled to rely fully upon such instructions as valid and binding, without obligation to verify the authority or identity of the person issuing them, provided that appropriate login credentials or authentication have been used.

7.5 Reliance on Representations

The Client acknowledges that the Company enters into this Agreement and provides access to its trading services in reliance upon the representations, warranties, and undertakings made by the Client herein. Any false, incomplete, or misleading representation shall constitute a material breach of this Agreement and may result in immediate suspension, termination, or referral to competent authorities.

7.6 Continuing Nature of Representations

All representations, warranties, and acknowledgements made by the Client shall be deemed continuing throughout the duration of this Agreement and shall be automatically reaffirmed each time the Client executes a transaction or communicates with the Company.

7.7 Indemnity for False Representation

The Client agrees to indemnify and hold harmless the Company, its officers, employees, and affiliates from any loss, damage, or liability arising directly or indirectly from any false, inaccurate, or misleading representation or omission made by the Client.

7.8 Language and Understanding

The Client confirms that they have sufficient knowledge of the English language (or the language in which the Agreement has been provided) to understand the terms, risks, and obligations under this Agreement. The Client further acknowledges that they have had the opportunity to seek independent legal, financial, or tax advice before entering into this Agreement.

8. ASSURANCES AND GUARANTEES

8.1 General Undertakings

The Client undertakes to conduct all trading activity in good faith and in accordance with this Agreement, the Company’s internal policies, and applicable laws and regulations. The Client further agrees to use the Trading Platform and any related services solely for lawful and legitimate trading purposes.

8.2 Prohibition of Market Abuse and Manipulation

The Client expressly agrees not to engage in, directly or indirectly, any activity that constitutes or may be deemed market abuse or manipulation, including but not limited to:

• Engaging in price manipulation of any financial instrument offered by the Company;
• Disseminating false or misleading information that could influence market prices;
• Executing transactions or entering orders that distort, or are intended to distort, the fair and orderly functioning of the market;
• Colluding with others to influence bid/ask spreads, price movement, or liquidity in any manner;
• Using insider information or confidential data to gain trading advantage;
• Performing arbitrage or reverse trading practices using multiple accounts or related parties to exploit temporary market or pricing inefficiencies.

8.3 Abusive Trading Practices

For the purpose of this Agreement, Abusive Trading shall include but is not limited to:

• Scalping or placing multiple trades within extremely short time frames for the purpose of exploiting pricing delays or errors;
• Latency arbitrage, “sniping,” or exploiting delayed data feeds;
• Churning or excessive trading with no economic purpose other than to generate commission or bonuses;
• Coordinated trading across multiple accounts, IP addresses, or entities to exploit bonuses, leverage, or margin rules;
• Using expert advisors (EAs), bots, or algorithms designed to exploit platform inefficiencies or system vulnerabilities;
• Executing trades during illiquid or news periods in a manner inconsistent with fair market behavior;
• Engaging in “hedging” or “mirroring” strategies between multiple accounts in order to evade exposure or risk controls.

8.4 Use of Trading Platform

The Client agrees not to use any software, device, algorithm, or manual trading method that interferes with the normal operation of the Company’s systems, causes overload or manipulation of order flow, or otherwise disadvantages other market participants. The Client must not transmit any virus, code, or data designed to damage, disrupt, or gain unauthorized access to the the Trading Platform.

8.5 Company Monitoring and Risk Controls

WE GOLDEN (PTY) LTD continuously monitors trading activity using automated systems and manual oversight to detect irregular, unfair, or prohibited trading behavior. The Company reserves the right to:

• Review and investigate any trading activity suspected of being abusive or manipulative;
• Request clarification, documents, or proof of strategy from the Client to verify legitimacy of transactions;
• Cancel, reverse, or amend any trade determined to have been executed in violation of this Agreement or in error;
• Suspend, restrict, or permanently close accounts engaged in such behavior.

8.6 Consequences of Violation

If the Company reasonably believes that a Client has engaged in Abusive Trading, Market Manipulation, or any activity contrary to the integrity of financial markets or the Company’s interests, it may, without prior notice:

• Suspend or permanently close the trading account;
• Void, cancel, or reverse trades, including profits generated through abusive or unlawful means;
• Adjust account balances or withdraw bonuses obtained through prohibited conduct;
• Freeze or withhold funds pending investigation;
• Apply legal remedies to recover damages or losses caused to the Company or third parties.

8.7 Reporting to Authorities

WE GOLDEN (PTY) LTD reserves the right to report any suspicious, fraudulent, or illegal activity to competent regulatory, law enforcement, or governmental authorities. Such reports may include the Client’s personal information, transaction history, and any supporting documentation as required under applicable AML/CFT, market abuse, or financial crime prevention laws.

8.8 Indemnification

The Client agrees to indemnify and hold harmless WE GOLDEN (PTY) LTD, its officers, employees, and affiliates from any claim, loss, liability, or expense arising out of or in connection with any breach of this Section, including but not limited to costs associated with investigations, legal actions, or regulatory sanctions.

8.9 Company’s Final Determination

The Company’s determination regarding whether a Client has engaged in Abusive Trading, Market Manipulation, or other prohibited behavior shall be final and binding, based on its internal logs, pricing data, and trade records. The Company is under no obligation to disclose the details of its detection systems or algorithms used to identify such activities.

9. SERVICES AND PRODUCTS OFFERED

9.1 Nature of Services

WE GOLDEN (PTY) LTD operates strictly as an execution-only broker, providing Clients with electronic access to the global financial markets for the purpose of executing transactions in Spot Foreign Exchange (FX) and Contracts for Difference (CFDs) on various underlying instruments, including currencies, metals, indices, commodities, and cryptocurrencies (where permitted). The Company’s role is limited to receiving, transmitting, and executing Client orders in accordance with its internal policies and order-execution procedures. The Company does not act as an investment advisor, portfolio manager, or fiduciary for the Client under any circumstance.

9.2 Execution-Only Relationship

The Client acknowledges that all services provided are on an execution-only basis. The Company does not provide any of the following:

• Personal investment recommendations or trading advice;
• Tax, legal, or accounting guidance;
• Management or monitoring of the Client’s positions;
• Assessment of the suitability or appropriateness of any trade beyond regulatory minimum requirements.

All trading decisions and strategies are made solely by the Client, based on their own analysis, experience, and independent judgment. Any market commentary, news, or research provided by the Company is offered for informational or educational purposes only and does not constitute investment advice.

9.3 Range of Financial Instruments

The Company may offer one or more of the following instruments, depending on account type and jurisdictional restrictions:

• Spot Foreign Exchange (FX):Major, minor, and exotic currency pairs traded on margin.
• CFDs on Precious Metals:Including gold, silver, platinum, and palladium.
• CFDs on Equity Indices:Covering major global indices such as S&P 500, NASDAQ, Dow Jones, FTSE, DAX, Nikkei, and others.
• CFDs on Commodities:Including energy (crude oil, natural gas), agricultural, and other globally traded commodities.
• CFDs on Cryptocurrencies:Digital assets such as Bitcoin, Ethereum, and other approved tokens, quoted against major fiat or stablecoin pairs, subject to local regulation and risk disclosure.

The availability of each instrument may vary depending on market conditions, liquidity provider arrangements, or regulatory approval.

9.4 Leverage and Margin Trading

The Client acknowledges that all trading in FX and CFDs is conducted on a leveraged basis, which allows a comparatively small deposit to control a larger notional position. Leverage can amplify both profits and losses. The Company reserves the right to adjust leverage ratios at its discretion based on market volatility, account equity, trading volume, or risk management considerations.

9.5 Execution Model and Counterparty Role

WE GOLDEN LTD acts as principal and contractual counterparty to the Client in respect of transactions entered into through the Trading Platform. For risk-management purposes, the Company may hedge, offset or otherwise manage all or part of its market exposure through liquidity providers, financial institutions or other eligible counterparties. Such hedging arrangements do not create a contractual relationship between the Client and any liquidity provider.

9.6 Right to Modify or Withdraw Products

The Company reserves the unrestricted right to add, suspend, modify, or remove any product, instrument, or service at any time without prior notice, particularly in response to:

• Changes in liquidity, technology, or market access;
• Regulatory restrictions or jurisdictional prohibitions;
• Force majeure events or extreme market conditions;
• Commercial or risk-management considerations.

The Company shall not be liable for any loss or inconvenience resulting from such actions.

9.7 Pricing, Spreads, and Execution Conditions

All prices and spreads displayed on the Trading Platform are determined by the Company based on market data received from its liquidity Master Traders. Prices may fluctuate rapidly, and the Client acknowledges that:

• Quoted prices may differ from actual execution prices due to market volatility or latency;
• Slippage may occur during periods of illiquidity or high volatility;
• The Company executes orders on a best-effort basis, considering price, speed, likelihood of execution, and market depth as outlined in the Order Execution Policy (Appendix III).

9.8 Platform Access and Trading Hours

Trading services are provided through the Company’s electronic platforms and may include desktop, web, and mobile versions. The Company strives to maintain 24-hour trading availability, five (5) days per week, except during weekends, market holidays, scheduled maintenance, or force majeure events. Temporary interruptions may occur due to server upgrades or network issues; the Company will take reasonable steps to restore services promptly but assumes no liability for interruptions beyond its control.

9.9 Bonuses and Promotional Services

From time to time, the Company may offer trading bonuses, rebates, or promotional incentives. Such programs are governed by separate Promotional Terms and Conditions published on the Company’s website and may be modified or withdrawn at the Company’s discretion.

9.10 Regulatory Limitations

The Client understands that the services offered under this Agreement are governed by applicable laws and regulatory requirements. The Company does not represent or warrant that its products or services comply with the laws or regulations applicable in the Client’s country of residence or any other jurisdiction. It is the Client’s responsibility to ensure that the use of the Company’s services, including trading CFDs, foreign exchange (FX), or cryptocurrencies, is lawful in the Client’s jurisdiction before opening or using an account.

9.11 No Guarantee of Profit or Performance

Trading in leveraged instruments involves a substantial risk of loss. The Company provides no guarantee—express or implied—of trading success, market performance, or income generation. Past performance of financial instruments or strategies shall not be considered a reliable indicator of future results.

10. INSTRUCTIONS AND ORDER HANDLING

10.1 Method of Order Submission

All trading orders shall be submitted electronically through the Company’s proprietary or third-party Trading Platform, accessible via desktop, web, or mobile application. The Company does not accept orders via telephone, email, or any unofficial communication channel, except in specific cases where the Company provides written authorization (e.g., during system maintenance or technical failure). All orders placed through the Trading Platform are considered binding and shall be executed strictly in accordance with this Agreement and the Company’s Order Execution Policy (Appendix III).

10.2 Best Execution Policy

The Company executes all Client orders on a best-effort basis, taking into account a combination of factors including price, cost, speed, likelihood of execution and settlement, market conditions, and overall order size. While the Company aims to achieve the best possible result for each Client, it does not guarantee that execution prices will match quoted or displayed prices, particularly during periods of market volatility, illiquidity, or high trading volume.

10.3 Execution Models

The Company may execute Client orders under one or more of the following models:

• Straight Through Processing (STP) – Orders are transmitted directly to liquidity Master Traders.
• Electronic Communication Network (ECN) – Orders are matched electronically within an aggregated liquidity pool.
• Market Maker Model – The Company may act as principal counterparty to certain transactions.

The Company reserves the right to determine the execution method based on liquidity, technology, and risk management considerations.

10.4 Order Types and Execution Conditions

The Trading Platform supports multiple order types, including but not limited to:

• Market Orders – Executed at the best available price at the time of receipt;
• Pending Orders – Executed once the specified price is reached (Limit, Stop, Buy Stop, Sell Stop, Buy Limit, Sell Limit);
• Stop Loss and Take Profit Orders – Automatically close open positions once predefined price levels are reached;
• Trailing Stop Orders – Dynamically adjust stop-loss levels to protect gains as the market moves favorably.

Execution of pending or stop orders is not guaranteed at the requested price and may be subject to slippage in fast-moving markets.

10.5 Slippage and Requotes

Due to rapid price fluctuations, orders may be executed at a different price from the one displayed at the time of submission. This difference, known as slippage, may occur during news releases, low liquidity, or high volatility periods.

Positive Slippage:When execution occurs at a better price than requested.

Negative Slippage:When execution occurs at a worse price than requested. In rare cases, requotes may occur if the requested price is no longer available; the Client will receive a new quote for acceptance or rejection. The Company shall not be liable for losses arising from slippage or requotes.

10.6 Order Execution Priority

Orders are executed in the chronological sequence in which they are received. However, in exceptional market conditions (e.g., during high volatility or limited liquidity), execution priority may depend on price availability and platform performance. Partial fills may occur when only part of an order volume can be executed at the requested price.

10.7 Order Rejection and Cancellation

The Company reserves the right to refuse or cancel any order under the following circumstances:

• Insufficient margin or account balance;
• Account restrictions or system errors;
• Suspicion of abusive trading, arbitrage, or technical manipulation;
• During abnormal market conditions, including force majeure or connectivity failure;
• When the order violates the Company’s internal policies, trading limits, or risk parameters.

Rejected orders will not be executed, and the Client will be notified through the Trading Platform or Client Portal.

10.8 Delayed or Failed Execution

The Client acknowledges that order execution may be delayed or fail due to:

• Poor internet connection or latency;
• Platform overload during news events;
• Disconnection from the server or third-party network failures;
• Hardware or software malfunction on the Client’s device.

The Company shall not be responsible for losses resulting from such issues, provided it acted with reasonable care and diligence.

10.9 Market Hours and Trading Sessions

The Company provides trading access 24 hours per day, five (5) days per week, typically from 00:00 Monday to 23:59 Friday (platform time), excluding maintenance periods or public holidays affecting liquidity Master Traders. Certain instruments, such as commodities, indices, or cryptocurrencies, may have specific trading hours as published on the Company’s website.

10.10 Execution Acknowledgement and Trade Confirmation

Each executed order shall generate an on-screen confirmation through the Trading Platform, displaying transaction details including instrument, trade size, price, and time of execution. The Client must review all trade confirmations immediately and report any discrepancies to the Company within two (2) business days. Failure to do so shall render the trade final and binding.

10.11 Order Amendments and Cancellations

The Client may modify or cancel pending orders through the Trading Platform prior to execution. Once executed, orders cannot be amended or reversed. During periods of high volatility or market gaps, modification or cancellation requests may be delayed or rejected due to rapid price movement.

10.12 Company’s Right to Aggregate or Split Orders

The Company may, at its discretion, aggregate multiple Client orders for execution where such aggregation is unlikely to disadvantage Clients. Similarly, large Client orders may be split into smaller tranches to achieve better execution results or manage liquidity risk.

10.13 Temporary Suspension of Trading

The Company reserves the right to suspend or restrict trading activity under the following conditions:

• Scheduled maintenance or system upgrade;
• Unexpected market closure or circuit breaker activation;
• Force majeure events, including political or economic disruptions;
• Regulatory intervention requiring suspension of certain products.

The Company shall endeavor to notify Clients in advance when possible.

10.14 No Guarantee of Execution

While the Company strives to maintain efficient and fair execution standards, it cannot guarantee:

• Continuous availability of liquidity at all times;
• Execution at the exact quoted price; or
• Immediate processing during exceptional market conditions.

The Client accepts that execution speed, price, and slippage may vary based on market depth, volatility, and order size.

10.15 Disputes on Execution

If the Client believes an order has been improperly executed, they must notify the Company’s Trading Operations or Compliance Department within two (2) business days from the date of the trade. All disputes shall be reviewed in accordance with the Company’s Complaints and Dispute Resolution Policy (Section 28), using trading logs, price data, and execution records maintained by the Company.

11. RECORDING OF COMMUNICATIONS

All telephone, electronic, and written communications between the Client and the Company may be recorded or monitored. Such records remain the exclusive property of WE GOLDEN (PTY) LTD and may be used as evidence in case of dispute or regulatory request.

12. CLIENT FUNDS

Client funds are maintained in segregated bank accounts, separate from the Company’s own funds, in accordance with client-money segregation rules. The Company is not liable for the solvency of third-party banks holding client funds.

13. SPREADS, LEVERAGE AND CONDITIONS

Spreads and leverage ratios are set by the Company and may change without notice. The maximum leverage offered is 1: 200 and the stop-out level is 50 percent. Commissions and swaps are published on the Company’s website.

14. ARCHIVED ACCOUNT POLICY

Accounts with a zero balance and no trading activity for 30 consecutive days will be designated Archived Accounts and may be disabled until the Client requests reactivation.

15. DORMANT ACCOUNT POLICY

An account with no activity for 30 calendar days is treated as Dormant. A fee of USD 10 (or equivalent) is charged every 30 days until the account is re-activated or closed.

16. MARGIN DEPOSITS, COLLATERAL AND PAYMENT

The Client must maintain sufficient margin to support open positions. If margin falls below required levels, the Company may automatically close positions at or below the stop-out level. All deposits must be made by approved methods and may be subject to AML verification.

17. ACCOUNT REPORTING AND CONFIRMATION

The Company provides daily and monthly statements through the Client Portal. Clients must review and notify the Company of any errors within two business days of receipt.

18. COMMUNICATION AND NOTICES

All official communications are sent via email or the Client Portal. Notices sent to the Client’s registered email address are deemed delivered upon transmission.

19. CONFLICTS OF INTEREST

WE GOLDEN (PTY) LTD maintains a formal Conflicts of Interest Policy to ensure fair treatment of all Clients. The Company or its affiliates may act as principal or counterparty to a transaction without impairing its duty to act honestly and professionally.

20. INDUCEMENTS AND REFERRALS

The Company may pay or receive commissions or non-monetary benefits from third parties where permitted by law and where such arrangements enhance service quality without conflict with the Client’s best interest.

21. BUSINESS INTRODUCERS AND AFFILIATES

The Company may cooperate with introducing brokers or affiliates who refer clients. These parties act solely as introducers and are not authorized to provide investment advice or hold client funds. WE GOLDEN (PTY) LTD remains fully responsible for execution and maintenance of all client accounts.

22. CLIENT ACKNOWLEDGEMENTS

The Client acknowledges that trading in foreign exchange and CFDs is speculative and may result in loss of the entire investment. No profit is guaranteed, and past performance does not ensure future success.

23. RISK DISCLOSURE

The Client confirms receipt of the Risk Disclosure Appendix (I) and understands the risks associated with leverage, liquidity, and market volatility. The Client bears full responsibility for monitoring open positions and margin requirements.

24. REPRESENTATIONS AND WARRANTIES

Each party represents that it has full authority to enter into this Agreement. The Client warrants that all information supplied is true and complete and agrees to update the Company of any changes promptly.

25. INDEMNITY AND LIMITATION OF LIABILITY

The Client shall indemnify and hold harmless the Company from any loss or liability arising from unauthorized use of the account or breach of this Agreement. The Company shall not be liable for losses caused by market events, system failures, or Force Majeure.

26. PROHIBITED TRADING PRACTICES

Clients must not engage in front-running, churning, price manipulation, or use of software that exploits latency. WE GOLDEN (PTY) LTD may cancel or reverse trades found to breach these rules.

27. ABUSIVE TRADING AND NEGATIVE BALANCE ABUSE

If the Company determines that a Client has engaged in abusive trading or negative balance abuse, it may adjust balances, reverse transactions, recover losses, and close all positions without notice.

28. EVENT OF DEFAULT

An Event of Default occurs if the Client fails to meet margin requirements, becomes insolvent, or is subject to fraud investigation. Upon default, the Company may close positions and apply client funds toward outstanding obligations.

29. AMENDMENTS AND MODIFICATIONS

The Company may amend this Agreement by posting updated terms on its website or Client Portal. Continued use of the services constitutes acceptance of those amendments.

30. DATA PROTECTION AND INFORMATION DISCLOSURE

Client information is handled in accordance with data-protection legislation and the Company’s Privacy Policy. The Company may disclose information to regulators or law-enforcement agencies when required by law.

31. ADVICE AND INFORMATION DISCLAIMER

Any commentary, analysis, or educational content from the Company is of a general nature and does not constitute investment advice.The Client alone is responsible for all trading decisions.

32. CHARGEBACK POLICY

In case of a payment dispute, the Client must first contact the Company to resolve the issue. Initiating a chargeback without prior notice constitutes breach of this Agreement and may result in suspension or legal recovery of associated costs.

33. FORCE MAJEURE EVENTS

The Company shall not be liable for any delay or failure in performance caused by Force Majeure Events including natural disasters, war, terrorism, power failure, regulatory intervention, or market closure. During such events, the Company may suspend trading or cancel orders.

34. DEMO ACCOUNTS AND TEST ACCOUNTS

Demo accounts are provided solely for training purposes. Conditions and pricing may differ from live accounts, and the Company is not responsible for reliance on demo performance.

35. TERM AND RENEWAL

This Agreement remains effective until terminated by either party. The Client may request closure after all open positions are settled and obligations satisfied.

36. TERMINATION AND ACCOUNT CLOSURE

The Company may terminate this Agreement immediately for breach, fraud, or false information. Upon termination, remaining balances will be returned after deducting outstanding charges.

37. MISCELLANEOUS PROVISIONS

If any provision is found invalid, the remainder shall remain in effect. Failure to enforce any right does not constitute waiver. Headings are for convenience only.

38. TAX INFORMATION AND COMPLIANCE

The Client is solely responsible for all taxes arising from trading activities. WE GOLDEN (PTY) LTD may disclose information to tax authorities as required under applicable law or international agreements.

39. GOVERNING LANGUAGE

This Agreement is executed in English, which shall prevail over any translation.

40. GOVERNING LAW AND JURISDICTION

This Agreement shall be governed by and construed in accordance with applicable laws and regulations. Any dispute arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the competent courts having authority over the matter.

APPENDIX I – RISK DISCLOSURE STATEMENT

Trading in foreign exchange (“Forex”) and Contracts for Difference (“CFDs”) carries a high level of risk and may not be suitable for all investors. The products offered are complex instruments that use leverage, which can work both to your advantage and disadvantage. Before deciding to trade, the Client should carefully consider their investment objectives, level of experience, and risk appetite.

Leverage Risk

Leverage can significantly magnify both gains and losses. A small market movement may result in substantial profit or loss relative to the funds deposited. The Client may be required to deposit additional margin funds on short notice to maintain open positions. Failure to meet margin requirements may result in the automatic liquidation of positions at a loss, and the Client will be responsible for any resulting deficit.

Market and Volatility Risk

Currency prices and CFD values are subject to rapid and unpredictable fluctuations caused by economic events, interest rate changes, political instability, or natural disasters. These market movements can result in significant losses, including losses greater than the initial deposit.

Liquidity Risk

Certain market conditions may make it difficult or impossible to execute orders at desired prices. This includes times of high volatility, reduced market depth, or illiquid trading hours. Under such circumstances, stop-loss orders may not be effective.

Technical and Operational Risk

The Client acknowledges the risks associated with online trading, including but not limited to system errors, internet connectivity failures, delayed price feeds, and platform downtime. The Company shall not be liable for any loss arising from such technical issues beyond its control.

Counterparty and Credit Risk

Trading CFDs and Forex involves reliance on the Company or its liquidity Master Traders to fulfill contractual obligations. If the counterparty becomes insolvent or fails to meet its obligations, the Client may suffer partial or total loss of funds.

Regulatory and Legal Risk

Changes in regulations, tax laws, or trading restrictions imposed by governmental or regulatory authorities may affect the trading conditions or profitability of transactions.

Client Responsibility

The Client should only trade with funds they can afford to lose. It is the Client’s responsibility to understand all associated risks and ensure that they have adequate knowledge and experience to engage in leveraged trading. The Client is strongly advised to seek independent financial, legal, and tax advice before engaging in any trading activity.

Past Performance

Past performance of financial instruments or strategies does not guarantee future results. No representation is made that any account will achieve profits or losses similar to those discussed in any promotional materials or trading examples. By signing this Agreement, the Client acknowledges that they have read, understood, and accepted all risks associated with trading Forex and CFDs. The Client further confirms that they have the financial ability and willingness to assume such risks.

APPENDIX II – SCHEDULE OF TRADING CONDITIONS

*Maximum leverage varies depending on account equity, asset class, and market conditions.

**Stop-Out Mechanism: Positions are automatically closed when the margin level falls below 20%.

Verification Documents Required:Passport or ID, Utility Bill or Bank Statement

Inactive Account Policy:Dormant after 30 days without trading

1. Risk Warning

Prospective clients should study the following risk warnings very carefully.Please note that we do not explore or explain all the risks involved when dealing in Financial Instruments (including Contracts for Difference “the CFDs” and Equities). We outline the general nature of the risks of dealing in Financial Instruments on a fair and non-misleading basis.

In particular,Contracts for Difference (‘CFDs’) are complex financial products and not suitable for all investors.CFDs are leveraged products that mature when you choose to close an existing open position. By investing in CFDs, you assume a high level of risk and can result in the loss of all of your invested capital.

Unless a client knows and fully understands the risks involved in each Financial Instrument, they should not engage in any trading activity. You should not risk more than you are prepared to lose.We Golden (PTY) LTD will not provide clients with any investment advicein relation to investments, possible transactions in investments, or Financial Instruments, neither will we make any investment recommendations.

Clients should consider which Financial Instrument is suitable for them according to their financial status and goals before opening an account with We Golden (PTY) LTD. If a client is unclear about the risks involved in trading in Financial Instruments, then they should consult an independent financial advisor.

If the client still doesn’t understand these risks after consulting an independent financial advisor, then they should refrain from trading at all.

Purchasing and selling Financial Instruments comes with a significant risk of losses and damages and each client must understand that the investment value can both increase and decrease, and clients are liable for all these losses and damages, which could result in more than the initial invested capital.

2. Acknowledgement

Technical Risk

1. The Client shall be responsible for the risks of financial losses caused by the failure of information, communication, electronic and other systems. The result of any system failure may be that his order is either not executed according to his instructions or it is not executed at all. The Company does not accept any liability in the case of such a failure.
2. While trading through the Client Terminal the Client shall be responsible for the risks of financial losses caused by:
   • a.Client’s or Company’s hardware or software failure, malfunction or misuse;
   • b.Poor Internet connection either on the side of the Client or the Company or both, or interruptions or transmission blackouts or public electricity network failures or hacker attacks, overload of connection;
   • c.The wrong settings in the Client Terminal;
   • d.Delayed Client Terminal updates;
   • e.The Client disregarding the applicable rules described in the Client Terminal user guide and in the Company’s Website.

Abnormal Market Conditions

1. The Client acknowledges that under Abnormal Market Conditions the execution period of Instructions and Requests may be extended.

Trading Platform

1. The Client acknowledges that only one Request or Instruction is allowed to be in the queue at one time. Once the Client has sent a Request or an Instruction, any further. Requests or Instructions sent by the Client are ignored and the “Order is locked” message appears until the first Request or Instruction is executed.
2. The Client acknowledges that the only reliable source of Quotes Flow information is that of the real/live Server’s Quotes Base. Quotes Base in the Client Terminal is not a reliable source of Quotes Flow information because the connection between the Client Terminal and the Server may be disrupted at some point and some of the Quotes simply may not reach the Client Terminal.
3. The Client acknowledges that when the Client closes the order placing/modifying/deleting window or the position opening/closing window, the Instruction or Request, which has been sent to the Server, shall not be cancelled.
4. In case the Client has not received the result of the execution of the previously sent Instruction but decides to repeat the Instruction, the Client shall accept the risk of making two Transactions instead of one, however the client may receive an “Order is locked” message as described in point 2.5 above.
5. The Client acknowledges that if the Pending Order has already been executed but the Client sends the Instruction to modify its level and the levels of If-Done Orders at the same time, the only Instruction, which will be executed, is the Instruction to modify Stop Loss and/or Take Profit levels on the position opened when the Pending Order triggered.

Communication

1. The Client shall accept the risk of any financial losses caused by the fact that the Client has received with delay or has not received at all any notice from the Company.
2. The Client acknowledges that the unencrypted information transmitted by email is not protected from any unauthorised access.
3. The Client is fully responsible for the risks in respect of undelivered trading platform internal mail messages sent to the Client by the Company as they are automatically deleted within 3 (three) calendar days.
4. The Client is wholly responsible for the privacy of the information received from the Company and accepts the risk of any financial losses caused by the unauthorised access of a third party to the Client’s Trading Account.
5. The Company has no responsibility if authorized/unauthorised third persons have access to information, including electronic addresses, electronic communication and personal data, access data when the above are transmitted between the Company or any other party, using the internet or other network communication facilities, telephone, or any other electronic means.

Force Majeure Event

1. In case of a Force Majeure Event the Client shall accept the risk of financial losses.

3. Risk Warning Notice for Foreign Exchange and Derivative Products

1. This notice cannot disclose all the risks and other significant aspects of foreign exchange and derivative products such as futures, options, and Contracts for Differences. You should not deal in these products unless you understand their nature and the extent of your exposure to risk. You should also be satisfied that the product is suitable for you in light of your circumstances and financial position. Certain strategies, such as a “spread” position or a “straddle”, may be as risky as a simple Long or Short position. Although forex and derivative instruments can be used for the management of investment risk, some of these products are unsuitable for many investors. You should not engage in any dealings directly or indirectly in derivative products unless you know and understand the risks involved in them and that you may lose entirely all of your money. Different instruments involve different levels of exposure to risk and in deciding whether to trade in such instruments you should be aware of the following points:

Effect of Leverage

1. Under Margin Trading conditions even small market movements may have great impact on the Client’s Trading Account. It is important to note that all accounts trade under the effect of Leverage. The Client must consider that if the market moves against the Client, the Client may sustain a total loss greater than the funds deposited. The Client is responsible for all the risks, financial resources the Client uses and for the chosen trading strategy.

It is highly recommended that the Client maintains a Margin Level (percentage Equity to Necessary Margin ratio which is calculated as Equity / Necessary Margin * 100%) of not lower than 1,000%. It is also recommended to place Stop Loss to limit potential losses, and Take Profit to collect profits, when it is not possible for the Client to manage the Client’s Open Positions.

The Client shall be responsible for all financial losses caused by the opening of the position using temporary excess Free Margin on the Trading Account gained as a result of a profitable position (cancelled by the Company afterwards) opened at an Error Quote (Spike) or at a Quote received as a result of a Manifest Error.

High Volatile Instruments

1. Some Instruments trade within wide intraday ranges with volatile price movements. Therefore, the Client must carefully consider that there is a high risk of losses as well as profits. The price of Derivative financial instruments is derived from the price of the underlying asset in which the instruments refer to (for example currency, stock, metals, indices, etc). Derivative financial instruments and related markets can be highly volatile. The prices of instruments and the underlying asset may fluctuate rapidly and over wide ranges and may reflect unforeseeable events or changes in conditions, none of which can be controlled by the Client or the Company. Under certain market conditions it may be impossible for a Client’s order to be executed at declared price leading to losses. The prices of instruments and the underlying asset will be influenced by, amongst other things, changing supply and demand relationships, governmental, agricultural, commercial and trade programs and policies, national and international political and economic events and the prevailing psychological characteristics of the relevant market place. Therefore, Stop Loss order cannot guarantee the limit of loss.

The Client acknowledges and accepts that, regardless of any information which may be offered by the Company, the value of Instruments may fluctuate downwards or upwards and it is even probable that the investment may become of no value. This is owed to the margining system applicable to such trades, which generally involves a comparatively modest deposit or margin in terms of the overall contract value, so that a relatively small movement in the underlying market can have a disproportionately dramatic effect on the Client’s trade. If the underlying market movement is in the Client’s favor, the Client may achieve a good profit, but an equally small adverse market movement can not only quickly result in the loss of the Client’s entire deposit, but may also expose the Client to a large additional loss.

Liquidity

1. Some of the underlying assets may not become immediately liquid as a result of reduced demand for the underlying asset and the Client may not be able to obtain the information on the value of these or the extent of the associated risks.

Futures

1. Transactions in futures involve the obligation to make, or to take, delivery of the underlying asset of the contract at a future date, or in some cases to settle the position with cash. They carry a high degree of risk. The gearing or leverage often obtainable in futures trading means that a small deposit or down payment can lead to large losses as well as gains. It also means that a relatively small movement can lead to a proportionately much larger movement in the value of your investment, and this can work against you as well as for you. Futures transactions have a contingent liability, and you should be aware of the implications of this, in particular the margining requirements, which are set out below.

Options

1. There are many different types of options with different characteristics subject to the following conditions.

Buying Options:

Buying options involves less risk than selling options because, if the price of the underlying asset moves against you, you can simply allow the option to lapse. The maximum loss is limited to the premium, plus any commission or other transaction charges. However, if you buy a call option on a futures contract and you later exercise the option, you will acquire the future. This will expose you to the risks described under futures’ and contingent liability investment transactions.

Writing Options:

If you write an option, the risk involved is considerably greater than buying options. You may be liable for margin to maintain your position and a loss may be sustained well in excess of the premium received. By writing an option, you accept a legal obligation to purchase or sell the underlying asset if the option is exercised against you, however far the market price has moved away from the exercise price. If you already own the underlying asset which you have contracted to sell (when the options will be known as covered call options) the risk is reduced. If you do not own the underlying asset (uncovered call options) the risk can be unlimited. Only experienced persons should contemplate writing uncovered options, and then only after securing full details of the applicable conditions and potential risk exposure.

Contracts for Differences

1. The CFDs available for trading with the Company are non-deliverable spot transactions giving an opportunity to make profit on changes in currency rates, commodity, stock market indices or share prices called the underlying instrument. If the underlying instrument movement is in the Client’s favour, the Client may achieve a good profit, but an equally small adverse market movement can not only quickly result in the loss of the Client’s entire deposit but also any additional table-accordion commissions and other expenses incurred. So, the Client must not enter into CFDs unless he is willing to undertake the risks of losing entirely all the money which he has invested and also any additional table-accordion commissions and other expenses incurred.

Investing in a Contract for Differences carries the same risks as investing in a future or an option and you should be aware of these as set out above. Transactions in Contracts for Differences may also have a contingent liability and you should be aware of the implications of this as set out below.

Equities

1. Equities, represent a portion of a company’s share capital. The extent of the Client’s ownership in a company depends on the number of shares the Client owns in relation to the total number of shares in issue.

Shares are bought and sold on stock exchanges and their values can go down. In respect of shares in smaller companies, there is an extra risk of losing money when such shares are bought or sold. There can be a big difference between the buying and selling price of these shares.

If they have to be sold immediately, the Clients may get back much less than they paid for them. Shares in companies incorporated in emerging markets may be harder to buy and sell than those shares in companies in more developed markets and such companies may also not be regulated as strictly.

All Equities offered are listed on an exchange, which means that the prices are not set by the Company. The Company will act on any instruction that the Client provides to buy or sell an instrument on his/her behalf in accordance with the Company’s obligation to provide best execution as set out in the order execution policy, to act reasonably and in accordance with the applicable Client Agreement and other Operative Agreements.

The Company may place the Clients instructions to deal outside of an exchange if this is in line with the order execution policy.

The Company will arrange for the custody of the Clients instruments.

All equities purchased for the Client or transferred to the Company by the Client, will be purchased in the name of the nominee company or We Golden (PTY) LTD, and/or held by a nominee company selected by We Golden (PTY) LTD, for the benefit of the Client.

As investments will be held in the name of a nominee company, the Client may not have voting rights which he/she would have had if he/she held the investment in his/her own name.

All financial investments involve an element of risk. The value of any investment the Client makes through may fall as well as rise and the Client may get back less than his/her initial investment. Past performance is not an indication of future performance.

The risks that the Clients are exposed to will vary according to the instruments they instruct the Company to buy and sell on their behalf.

The Clients should be aware that physical shares admitted to trading on a regulated market are not high risk financial products.

The Company’s services are provided on an execution only basis. The Company does not provide investment advice in relation to Equities. The Company might provide factual information or research recommendations about a market, information about transaction procedures and information about the potential risks involved and how those risks may be minimized. However, any decision to use the products or services is made by the Client.

Collateral risks (professional/elective professionals only)

When Clients enter into the Collateral Agreement with the Company, it is agreed to take security over the assets in the Share Account in place of cash for payment of margin on their linked CFD Account. The value of shares and CFDs will rise and fall. If the collateral value of the assets in Clients Share Account, together with any cash on Client’s linked CFD Account, falls below the amount required to maintain the open positions, Client may be closed out of the CFD positions on that linked account, and the Company will have the right to sell the assets in the Client’s Share Account in order to pay for any resulting deficit.

As the value of the assets in the Clients Share Account fluctuates the value of the collateral that the Client can utilise as margin will also fluctuate. The Client will need to monitor his/her Share Account and the linked CFD Account to ensure that the collateral value and any cash he/she has deposited on his/her linked CFD Account is sufficient to fund his/her open positions on that account.

The Client will only be able to use his/her collateral services to cover margin requirements on open positions on his/her linked CFD Account and he/she will need to cover any running losses using the available cash in his/her linked CFD Account.

Off-exchange Transactions in Derivatives

1. CFDs, forex and precious metals are off-exchange transactions. While some off-exchange markets are highly liquid, transactions in off-exchange or non-transferable derivatives may involve greater risk than investing in on-exchange derivatives because there is no exchange market on which to close out an Open Position. It may be impossible to liquidate an existing position, to assess the value of the position arising from an off exchange transaction or to assess the exposure to risk. Bid prices and Ask prices need not be quoted, and, even where they are, they will be established by dealers in these instruments and consequently it may be difficult to establish what is a fair price.

In regards to transactions in CFDs, forex and precious metals with the Company, the Company is using a trading platform for transactions in CFDs which does not fall into the definition of a recognized exchange as this is not a Multilateral Trading Facility and so do not have the same protection.

Foreign Markets

1. Foreign markets involve various risks. On request, the Company must provide an explanation of the relevant risks and protections (if any) which will operate in any foreign markets, including the extent to which it will accept liability for any default of a foreign firm through whom it deals. The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates.

Contingent Liability Investment Transactions

1. Contingent liability investment transactions, which are margined, require you to make a series of payments against the purchase price, instead of paying the whole purchase price immediately. The Margin requirement will depend on the underlying asset of the instrument. Margin requirements can be fixed or calculated from current price of the underlying instrument, it can be found on the website of the Company.

If you trade in futures, Contracts for Differences or sell options, you may sustain a total loss of the funds you have deposited to open and maintain a position. If the market moves against you, you may be called upon to pay substantial additional funds at short notice to maintain the position. If you fail to do so within the time required, your position may be liquidated at a loss and you will be responsible for the resulting deficit. It is noted that the Company will not have a duty to notify the Client for any Margin Call to sustain a loss-making position.

Even if a transaction is not margined, it may still carry an obligation to make further payments in certain circumstances over and above any amount paid when you entered the contract.

Contingent liability investment transactions which are not traded on or under the rules of a recognised or designated investment exchange may expose you to substantially greater risks.

Collateral

1. If you deposit collateral as security with the Company, the way in which it will be treated will vary according to the type of transaction and where it is traded. There could be significant differences in the treatment of your collateral depending on whether you are trading on a recognised or designated investment exchange, with the rules of that exchange (and the associated clearing house) applying, or trading off-exchange. Deposited collateral may lose its identity as your property once dealings on your behalf are undertaken. Even if your dealings should ultimately prove profitable, you may not get back the same assets which you deposited, and may have to accept payment in cash. You should ascertain from your firm how your collateral will be dealt with.

Commissions and Taxes

1. Before you begin to trade, you should make yourself aware of all table-accordion commissions and other charges for which you will be liable. If any charges are not expressed in monetary terms (but, for example, as a percentage of contract value), you should ensure that you understand the true monetary value of the charges.
2. There is a risk that the Client’s trades in any Financial Instruments including derivative instruments may be or become subject to tax and/or any other duty for example because of changes in legislation or his personal circumstances. The Company does not warrant that no tax and/or any other stamp duty will be payable. The Client is responsible for any taxes and/or any other duty which may accrue in respect of his trades.
3. The Clients are responsible for managing their tax and legal affairs including making any regulatory filings and payments and complying with applicable laws and regulations. The Company does not provide any regulatory, tax or legal advice. If the Clients are in any doubt as to the tax treatment or liabilities of investment products available through the Company, they should seek independent advice.
4. Residents of some jurisdictions may be subject to restrictions or limitations related to the remittance of money outside of their jurisdiction by the relevant local tax or financial authorities of the jurisdiction or may be required to seek authorization to do so. We shall not be liable for, and it is your responsibility to ensure, your compliance with such requirements. Consider taking advice from an appropriate advisor.

Suspensions of Trading

1. Under certain trading conditions it may be difficult or impossible to liquidate a position. This may occur, for example, at times of rapid price movement if the price rises or falls in one trading session to such an extent that under the rules of the relevant exchange trading is suspended or restricted. Placing a Stop Loss will not necessarily limit your losses to the intended amounts, because market conditions may make it impossible to execute such an Order at the stipulated price. In addition, under certain market conditions the execution of a Stop Loss Order may be worse than its stipulated price and the realized losses can be larger than expected.

Clearing House Protections

1. On many exchanges, the performance of a transaction by your firm (or third party with whom it is dealing on your behalf) is guaranteed by the exchange or clearing house. However, this guarantee is unlikely in most circumstances to cover you, the Client, and may not protect you if your firm or another party defaults on its obligations to you. On request, the Company must explain any protection provided to you under the clearing guarantee applicable to any on-exchange derivatives in which you are dealing. There is no clearing house for traditional options, nor normally for off-exchange instruments which are not traded under the rules of a recognised or designated investment exchange.

Insolvency

1. The Company’s insolvency or default, may lead to positions being liquidated or closed out without your consent. In certain circumstances, you may not get back the actual assets which you lodged as collateral and you may have to accept any available payments in cash or by any other method deemed to be appropriate.
2. Segregated Funds will be subject to the protections conferred by Applicable Regulations.
3. Non-segregated Funds will not be subject to the protections conferred by Applicable Regulations. Non-segregated Funds will not be segregated from the Company’s money and will be used in the course of the Company’s business, and in the event of the Company’s insolvency you will rank as a general creditor.

4. Third Party Risk

This notice is provided to you in accordance with applicable legislation.

1. The Company may pass money received from the Client to a third party (e.g. a bank, a market, intermediate broker, OTC counterparty or clearing house) to hold or control in order to effect a Transaction through or with that person or to satisfy the Client ‘s obligation to provide collateral (e.g. initial margin requirement) in respect of a Transaction. The Company has no responsibility for any acts or omissions of any third party to whom it will pass money received from the Client.
2. The third party to whom the Company will pass money may hold it in an omnibus account and it may not be possible to separate it from the Client ‘s money, or the third party’s money. In the event of the insolvency or any other analogous proceedings in relation to that third party, the Company may only have an unsecured claim against the third party on behalf of the Client, and the Client will be exposed to the risk that the money received by the Company from the third party is insufficient to satisfy the claims of the Client with claims in respect of the relevant account. The Company does not accept any liability or responsibility for any resulting losses.
3. The Company may deposit Client money with a depository who may have a security interest, lien or right of set-off in relation to that money.
4. A Bank or Broker through whom the Company deals with could have interests contrary to the Client’s interests.

1. Introduction

1.1. Your contracting party is WE GOLDEN (PTY) LTD., a company incorporated in the Union of Comoros under Company Registration No. HT00524061 and licensed by MISA under Licence No. BFX2024121. The terms “WeGolden”, “we”, “us” and “our” refer to WE GOLDEN (PTY) LTD.

1.2. These General Terms of Use, together with the Trading Terms, the Funds and Transfers Terms, the Risk Disclosure, and the Additional Terms that apply to the entity with which your account is registered, each of which is available on our Term & Policies page, form the agreement between you and WE GOLDEN (PTY) LTD. (each as amended from time to time, collectively, the “Agreement”). You expressly agree to the terms of the Agreement, and we agree to your access to and use of our Services (as further described in Clause 2 below). In the event of any conflict between these General Terms of Use and the Trading Terms, the Funds and Transfers Terms, the Risk Disclosure, and the applicable Additional Terms, the following order of precedence will apply: (i) the Additional Terms; (ii) these General Terms of Use; (iii) the Trading Terms; (iv) the Funds and Transfers Terms; and (v) the Risk Disclosure.

1.3. You are responsible for checking our website periodically to review the current version of the Agreement. We reserve the right to amend the Agreement, as permitted by law, without notice, and it is your responsibility to check our website for the latest version of the Agreement. The amended Agreement shall become valid once it is published on https://www.wegolden.com/ (the “Website”). If we make material changes to the Agreement, we will notify you. If you reject any variation in the Agreement, you must discontinue your use of our Website and Services, and we will terminate this Agreement in accordance with Clause 13. Your continued use of the Website and Services will constitute acceptance of the variation.

1.4. Terms used in this Agreement, such as “including” or “for example”, are not words of limitation and shall be interpreted as followed by the words “without limitation”. The headings in this Agreement are for convenience only and shall not affect in any way the meaning or interpretation of this Agreement.

1.5. This Agreement may be available in several languages, and in each case, we have sought to provide a faithful translation from the English version. In the event of any difference in meaning between the English version and any other language version, the English version shall prevail.

2. Product offering

2.1. We provide our Services via WeGolden-branded trading platforms available on the Website (the “Trading Platforms”), where you may be able to trade:

2.1.1. Contracts for Difference (“CFDs”) on financial instruments and Indices

2.1.2. Forex, pair currencies and financial instruments

2.1.3. Crypto currencies

2.1.3.4. Stock and indices

2.1.3.5. Swap-free CFDs on financial instruments and Indices

2.1.6. The particular financial instruments available on each Trading Platform may vary and are subject to change from time to time.

2.3. Our Services are offered on a non-face-to-face basis, and our communication is done through our Website, emails, and other electronic correspondence.

2.4. Our Services are offered on an execution-only basis. This means that you will be responsible for making your own investment decisions and actions when transmitting your transaction orders through the Website. We will execute any specific instructions from you, and we will not be required to ensure that the transactions are suitable or appropriate for you.

2.5. CFD trading does not give you any right to the underlying instrument of your trade, which means that you will not have any interest in, or the right to purchase, any underlying shares in relation to these underlying instruments since CFDs represent a notional value only.

2.6. We reserve the exclusive right to determine the scope, availability, and nature of the services and products we offer you.

2.7. We only provide our Services to residents of certain countries due to legal and regulatory restrictions and our internal policies. We may change the list of countries from time to time.

2.8. We may choose to introduce, modify, or discontinue services and products for any reason, including reasons related to regulatory compliance, operational efficiency, or strategic considerations. In any such circumstances, we will make reasonable efforts to notify you and provide you with guidance on account management.

2.9. The entity with which you can have an account depends on your country of residence and the products you wish to trade.

3. Access to our services

3.1. To open a trading account and use our Services, you need to meet all of the following conditions, and you make the following representations to us:

3.1.1. You have read the Agreement in full and have understood that you will be buying and selling trades subject to this Agreement (including, for the avoidance of doubt, the risks described in the Risk disclosure);

3.1.2. You have read our Privacy Policy and are aware of how we process personal data;

3.1.3. You are acting only for your own benefit and not for any other person or on behalf of anyone else;

3.1.4. You are 18 years of age or older; and

3.1.5. You are not a resident of a country in which we do not offer our services (see Clause 2.7).

3.2. Subject to the terms of this Agreement and provided that we accept you as a client, we hereby grant you a license to use the Trading Platforms solely for your personal use and benefit. To the extent that third-party software is included within the Trading Platforms, you shall comply with the terms of any third-party software licenses provided to you from time to time.

3.3. If you decide to use or download third-party software on which our Services are accessible (in particular, MT5), you agree to adhere to the terms and conditions set out in this Agreement. You acknowledge that you will not be able to place orders until we accept you as a client.

3.4. You are responsible for ensuring that your account credentials remain confidential and that they are not used by any person other than you. You shall notify us immediately if you become aware that your account credentials have been compromised or your account has been used by anyone other than yourself. If we believe there has been a security breach, we may require you to change your account credentials.

3.5. You must not give or offer to give access to capital or funds for third parties to trade with us. You must not use the services of any third party that offers to provide funded accounts for you to trade on our Trading Platforms.

4. Know Your Customer

4.1. General

4.1.1. You agree to provide us with true, complete and accurate information and documentation during registration, including your name, permanent residential address, date of birth, place of birth, country of residence, contact number, and email address.

4.1.2. We have the right to conduct due diligence on you, which includes collecting certain information and verifying your identity and permanent residential address through documents. To verify your identity, you will usually need to provide us with the following documents or uploads:

4.1.2.1. A clear, colored copy of a valid, non-expired government-issued ID, such as a passport, driver’s license, or an ID card;

4.1.2.2. Proof of address, which is a formal document that includes your residential address. Acceptable documents may include a copy of your bank statement, electricity bill, water or gas bill, council tax bill, tax letter, landline phone bill (mobile phone bills are not accepted), television services bill, home internet bill, or local authority waste disposal bill. The bill must display your full name and address. It is important to note that the utility bill should not be older than twelve (12) months, and the details on the bill must match the personal information you provided when opening an account with us; and

4.1.3. We reserve the right to exercise absolute discretion in deciding whether or not to accept your application to open a trading account with us. We are not obligated to provide any reasons for our decision to reject your application.

4.1.4. After you are onboarded as a client, you agree to provide any information or documentation we request within the timeframe we set. If any of your KYC documentation expires, we have the right to request additional non-expired KYC documentation and you agree to provide this to us. We reserve the right to restrict payments and/or decline our Services to you if the requested information and/or documentation is not provided in a timely manner.

4.1.5. Only you, as the account holder, can deposit or withdraw funds to or from the account. You agree to provide us with evidence that an account or payment method belongs to you if we request this. All funds that you deposit into your account must be your own. You cannot hold the funds of a third party or pool together funds with a third party.

4.1.6. You agree to allow your information to be disclosed to third parties for the purposes of KYC and any other checks.

4.2. Fraud

4.2.1. We reserve the right to block or withhold the funds in your account, rescind any profits, suspend your account, terminate this Agreement without notice, and/or cancel any request for a deposit, withdrawal, or refund of your funds if we know or have reason to believe that any fraud has taken or will take place, including if one or more of the following cases is true:

4.2.1.1. Your account was opened under a false or fictitious name;

4.2.1.2. You have submitted fraudulent or tampered document(s); or

4.2.2. We may use the personal information that you provide to conduct anti-fraud checks.

4.2.3. The personal information that you provide may be disclosed to identity verification, credit reference, or fraud prevention agencies, which may keep a record of that information.

4.2.4. You must provide us with up-to-date, accurate, and complete information and documentation. If these appear to be outdated, inaccurate, or incomplete, we reserve the right to reject them or ask you to correct or verify any details you have provided.

4.2.5. Your telephone conversations and/or electronic communications related to your use of the Services may be recorded. These recordings may be used for anti-fraud purposes in accordance with our Privacy Policy.

5. Compliance with laws

5.1. It is your responsibility as you access our Website and Services to make sure that you understand the relevant laws and regulations of your country and you must comply with all applicable laws and regulations. In some countries, we may not be permitted to offer our Services to you unless you have taken proactive steps to solicit information about them and requested to be provided with our products and services. Access to the Services and the offering of certain trades via our Services may also be restricted in some jurisdictions. It is your responsibility to know about the restrictions that apply in your country of residence and observe them. In continuing to access our Website and Services, you represent to us that you are doing so legally and that, where relevant, you have solicited information about our products and services and requested to be provided with them.

6. Our rights

6.1. We reserve the right, acting reasonably, to suspend, refuse, or cancel any of our Services, refuse or reverse any of your trades, ask you for a refund, and/or make an adjustment against your account in our favor in connection with deposits to or withdrawals from your account for any reason, including the following:

6.1.1. If we believe that your activity on our website or Services may be illegal in your country or state or that it may breach any laws, regulations, instruments, ordinances, or rules, including those that govern any exchange, financial market, or financial regulatory environment;

6.1.2. If we reasonably believe you have made or are making any false or misleading representation to us; or

6.1.3. Any instance where legal authorities, law enforcement agencies or regulators contact us to request that we cease offering our Services to you.

6.2. In the event of any error on our website or Trading Platforms (including any payment-related errors from our payment services Master Traders), we reserve the right to take any action necessary to rectify the error, including correcting any inaccuracies, temporary or permanent suspension of access to the relevant products, modification, replacement or refund of funds, or refusing or reversing a trade.

6.3. If you become aware of any error within a report or statement we provide to you, such as any amounts erroneously credited to your account, you shall immediately inform us, and you are responsible for returning these amounts to us. If we become aware of such an occurrence, you hereby authorize us to correct the error by amending the report or statement and, if applicable, treating this as a deficit balance. If you have used any funds that were credited to you erroneously, we may, without notice, close all or any of your open positions at such closing prices as we reasonably believe to be appropriate to recover such funds.

6.4. If your account for a Trading Platform is disabled for any reason (for example, your MT5 account), we reserve the right to close any pending positions at the then-current market price.

6.5. We shall be entitled to take any action that we consider necessary, at our sole discretion, to ensure compliance with applicable laws, rules, or regulations. These actions shall be binding on you and shall not render us liable.

6.6. If we determine that you have engaged in inappropriate behavior, including the usage of offensive language, we reserve the right to restrict or suspend your account or terminate this Agreement without notice.

6.7. We have the right to ask you for information to verify that you are complying with this Agreement at any time. If you do not comply with our reasonable request for information, we may restrict or suspend your account, or terminate this Agreement without notice.

6.8. We may keep records, which include your personal data, trading information, and communications, due to our legal and regulatory obligations. Our records will serve as documentation of your use of the Services unless they are demonstrated to be incorrect. Upon your request, your records may be provided to you, although we are not responsible for any record-keeping obligations you may have. You acknowledge and agree that we may use our records as evidence in any legal or regulatory proceedings.

7. Market abuse and prohibited behavior

7.1. You agree that you will not enter into any transactions which fall within the definition of market abuse under applicable laws.

7.2. You shall not:

7.2.1. Trade if you are in possession of insider information or have insider knowledge relating to any financial market, issuer, or instrument;

7.2.2. Trade if you are attempting or have attempted to manipulate the market for any financial instrument;

7.2.3. Trade in a way that violates any laws, regulations, instruments, or ordinances, including those that govern the operation of any exchange, financial market, or financial regulatory environment;

7.2.4. Act in an abusive or dishonest manner in respect of our Website, Trading Platforms, or other products;

7.2.5. Enter into trades which manipulate our products; or

7.2.6. Enter into trades aimed at exploiting errors in prices.

If we determine or suspect that you have breached this Clause 7.2, we may prohibit you from trading, reverse any affected trades, close any open positions, block withdrawals, refund the money you have deposited, retain any funds you may have accumulated, or take any other measures we deem reasonably necessary.

8. Negative balance protection

8.1. Negative balance protection may be offered at our sole discretion to protect you from adverse movements in your trades. We are not obliged to provide negative balance protection at any time or in any circumstances, and you should not expect that it will always be available. If we choose to offer it, negative balance protection considers your total liability from all open trades within a CFD account, compared to the funds available in that account, rather than assessing each trade individually.

8.2. Even when we do offer negative balance protection, it does not apply in the following situations:

8.2.1. When you open a trade that is considered prohibited; or

8.2.2. When a negative balance results from your breach of this Agreement.

9. Dormant accounts

9.1. If your account has not recorded any transactions for a period greater than twelve (12) months, it will be considered a dormant account, and we reserve the right to make an adjustment against your account in our favor both at this time and for every period of six (6) months that your account remains dormant.

9.2. If your account has been locked or suspended and has not recorded any transactions for a period of twelve (12) months or more, we reserve the right to rescind your account funds.

9.3. If your account has been inactive for thirty (30) days with an account balance of one (1) USD/EUR/GBP or less, we reserve the right to rescind your account funds.

9.4. If your account is closed or blocked, you must contact our Help Centre to recover funds from your account. If your account is dormant, you can still make withdrawals.

9.5. Using automated or algorithmic trading tools does not stop your CFD account from being classified as dormant if no activity is recorded in the account within the specified time period.

9.6. We have the right to delete your MT5 demo account after thirty (30) days of inactivity.

9.7. We have the right to place partial or full scope trading restrictions on your MT5 real account after sixty (60) days of inactivity.

9.8. We have the right to archive your MT5 real account after two (2) years of inactivity.

10. Third-party relationships

10.1. You may be introduced to us by one of our affiliates. You acknowledge that we do not authorize our affiliates to make any contract, agreement, or warranty on our behalf. In particular, affiliates do not have the authority to collect any money from you, to offer any guarantees against losses, to offer investment services, or to offer any advice in our name.

11. Warranties and indemnities

11.1. You warrant and represent to be fully and personally responsible for settling every transaction into which you enter through your account with us.

11.2. You warrant and represent to us that you alone control access to your account and that no minors or any other third parties are granted access to your account.

11.3. You remain fully liable for any and all positions traded on your account, as well as any credit card transactions or other payments made through the Website or Trading Platforms for your account. You agree to indemnify us against any and all costs and losses of any kind whatsoever that we may incur as a direct or indirect result of your failure to perform or settle any such transaction entered into through the Website or Trading Platforms.

11.4. You are responsible for compensating us for any costs and losses that we might incur or bear as a result of your failure to comply with any of your obligations set out in this Agreement. This includes indemnifying us against any costs that arise through the enforcement of any of our rights under this Agreement.

11.5. We specifically and expressly disclaim any and all warranties or representations, express or implied, statutory or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, relating to the Services, Website, and Trading Platforms.

11.6. We provide our Services, Website, and Trading Platforms on an “as is” and “as available” basis and give no warranty that they will be free of errors, that any errors will be corrected, or that they are free of any third-party interferences such as hackers or any other harmful components that arise outside of our control.

11.7. We make no claims that our Services, Website, and Trading Platforms will be available on an uninterrupted basis or that an error-free service will be provided. Subject to Clause 12.1., we will not be liable for the consequences of any such errors or interruptions.

12. Liability

12.1. Nothing in this Agreement shall limit or exclude our liability for anything which cannot be limited or excluded by applicable law.

12.2. Subject to Clause 12.1, we shall not be liable to you in contract, tort, or otherwise (including liability for negligence) for (a) any loss of business, revenue, profits, or anticipated savings; (b) any wasted expenditure, corruption, or destruction of data; (c) any loss of goodwill or reputation; (d) for any indirect or consequential loss; or (e) the acts or omissions of any third party, in each case arising directly or indirectly in connection with this Agreement.

12.3. Subject to Clauses 12.1 and 12.2, we may be liable for your losses only to the extent that these losses are due to our gross negligence, willful default, and/or fraud, and our aggregate liability to you in respect of all claims arising out of or in connection with this Agreement (including as a result of breach of contract, tort, negligence, under statute, or otherwise) will be limited to the aggregate amount of the deposits less withdrawals on your account on the date that the cause of action accrued.

12.4. Subject to Clause 12.1, in the event that we provide information, news, market commentary or research on our Website or in any communications, including newsletters, whilst we take reasonable measures to ensure the accuracy of this information, we shall not be liable for any losses (whether direct or indirect, or whether arising as a result of breach of contract, tort, negligence, under statute, or otherwise) suffered by you arising from any inaccuracy or mistake in the information given or as a result of you taking or not taking any action based on this information. If you want to use this information to help you with your own investment decisions, you do this at your own risk.

13. Termination

13.1. You may terminate this Agreement at any time by giving us notice (in accordance with Clause 16). After you give us notice, you should close out any open trades as soon as reasonably practicable and, in any event, within twenty-one (21) days, after which we reserve the right to close your trades on your behalf (at the then-current market price) before permanently closing your account.

13.2. We may terminate this Agreement and close your account at any time by giving you twenty-one (21) days’ notice (in accordance with Clause 16). After we give you notice, we will not accept any new instructions from you. You should close any open positions within twenty-one (21) days of the date of the notice, after which we reserve the right to close your trades on your behalf (at the then-current market price) before permanently closing your account.

13.3. We may terminate this Agreement and close your account at any time without prior notice:

13.3.1. If you become incapable of paying your debts when they fall due or become bankrupt or insolvent, as defined under any applicable bankruptcy or insolvency law;

13.3.2. If a receiver, examiner, or administrator is appointed for the whole or any part of your business or assets or you are struck off the registrar of companies in the jurisdiction where you are incorporated or an order is made or a resolution passed for winding up;

13.3.3. If you materially breach any term of this Agreement;

13.3.4. If you have made a material misrepresentation to us or any representation that you make to us is false or misleading in any material respect at the time it is given;

13.3.5. If you fail to provide any information requested by us pursuant to this Agreement;

13.3.6. If we reasonably believe that there is a security or regulatory risk in continuing this Agreement with you;

13.3.7. For reasons relating to our internal policies;

13.3.8. If we are required to do so by applicable law or by a regulator;

13.3.9. As set out in Clauses 4.3, 6.6, and 6.7 in these General Terms of Use; or If we terminate this Agreement in accordance with this Clause 13.3, we reserve the right to close your trades on your behalf (at the then-current market price) before permanently closing your trading account.

13.4. Upon termination of this Agreement:

13.4.1. We reserve the right to deduct from your account all outstanding amounts due to us;

13.4.2. We will return to you without undue delay the net balance of any monies remaining on your trading account by forwarding the funds directly to your bank account or other verified payment method, unless we have a right to hold the funds under this Agreement or applicable laws (for example, if we suspect that the funds are the proceeds of crime; and

13.4.3. You must immediately cease to use or have access to the Website, Services, and Trading Platforms, including any third-party software contained therein.

13.5. Termination of this Agreement is without prejudice to any obligation or right of any party which has accrued prior to the termination.

13.6. The following clauses shall survive termination of this Agreement: 1 (Introduction), 4 (Know your customer), 9 (Dormant accounts), 11 (Warranties and indemnities), 12 (Liability), 13 (Termination), 14 (Intellectual property rights), 15 (Force majeure events), 16 (Communication with us), 17 (Complaints), 18 (Governing law and jurisdiction) and 19 (Miscellaneous).

14. Intellectual property rights

14.1. You acknowledge that all intellectual property rights in the Website and Trading Platforms are owned by us, our affiliates or our licensors, including all related information, technology, and other materials, including all software, concepts, methodologies, techniques, models, templates, algorithms, trade secrets, processes, information, materials, source codes, structure, sequence, organization, images, text, graphics, illustrations, data, and know-how contained therein, all modifications, alterations, updates, upgrades, enhancements, and derivative works thereof, and all related documentation and manuals.

14.2. You acknowledge that the intellectual property in and to our Website and Trading Platforms are licensed (not sold) to you solely pursuant to this Agreement, and that you have no other right, title, or interest in, or to, the intellectual property rights in the Website and Trading Platforms.

14.3. You shall not, in respect of the Website, Trading Platforms, any part thereof, and any third-party software contained therein:

14.3.1. Reverse engineer, disassemble, or otherwise attempt to derive source code, except to the extent expressly permitted by law and with the exception of any code that is made publicly available on an open-source basis;

14.3.2. Copy, modify, or translate any of the material;

14.3.3. Remove any proprietary notices;

14.3.4. Circumvent any technical limitations or activate any features that are disabled; or

14.3.5. Use these products for the purpose of developing features or functions that compete with them.

14.4. You acknowledge that the word “WeGolden” and the “WeGolden” logo are registered trademarks.

14.5. You must seek our prior written consent in order to copy and distribute our materials for non-commercial purposes, and we will only give our consent on the condition that each copy of the material remains intact.

14.6. To copy or redistribute our materials for commercial purposes or for compensation of any kind, you must (a) obtain our prior written permission and (b) make sure that all copies include the following notice in a clearly visible position: “Copyright We Golden (PTY) LTD 2025. All rights reserved”.

14.7. Please note that if you contact us with any suggestions for modifications and improvements to our website or Trading Platforms, we may make modifications based on your suggestions, but we are not required to do so. Any modifications or improvements made to the Website or Trading Platforms based on your feedback shall be our and our licensors’ sole property.

15. Force majeure events

15.1. Force majeure events are events beyond the control of either of the parties and are not reasonably foreseen. They may include:

15.1.1. Any war, state or governmental action, terrorism act, fire, strike, riot, civil unrest or industrial action;

15.1.2. Natural disasters such as floods, tornadoes, earthquakes, and hurricanes;

15.1.3. Public health emergencies of national or international concern, epidemics, or pandemics;

15.1.4. The suspension, closure, or nationalization of an exchange;

15.1.5. Any act or regulation made by a government or supra-national body or authority which we (acting reasonably) believe prevents us from maintaining an orderly market or the imposition of limits or unusual terms by a government on any instrument and/or its derivative on our Trading Platforms;

15.1.6. Technical failures in transmission, communication, or computer facilities, power failures, or electronic or equipment failures;

15.1.7. The failure of any third party (including a supplier, liquidity provider, intermediate broker, agent, custodian, exchange, clearing house, or regulatory organization) to perform its obligations or to provide its services to us;

15.1.8. An event which significantly disrupts the market, including the premature closing of trading in a particular market;

15.1.9. Excessive changes (whether existing or reasonably anticipated) to the price, supply, or demand of any product; or

15.1.10. Other unforeseeable, unanticipated, and unpredicted events that are not dependent upon the will of the parties.

15.2. We shall not be liable for any delay or failure in the performance of any of our obligations pursuant to this Agreement to the extent that the same results from a force majeure event.

15.3. If we determine that a force majeure event exists, we may, without notice and at any time, acting reasonably, take one or more of the following steps:

15.3.1. Alter the trading hours for any particular transaction;

15.3.2. Decrease leverage;

15.3.3. Alter your margin requirements, which may mean you are required to provide additional margin;

15.3.4. Limit the availability of instructions that you can give in respect of a trade;

15.3.5. Void all open positions of affected instruments; or

15.3.6. Close any or all of your open positions at a price which we (acting reasonably) appropriate.

15.4. If we take any of these measures, subject to Clause 12.1, we shall not be liable to you for any losses.

16. Communication with us

16.1. You can contact us via email or online chat. Contact details can be found on the Contact us page of our website.

16.2. We are committed to resolving your query in the quickest time possible and appreciate your patience in allowing us time to resolve the matter.

16.3. If we are unable to resolve your query or you feel our response is unsatisfactory, you may submit an official complaint to us by following the process described in Clause 17 (Complaints) below.

16.4. It is your responsibility to make sure that you are able to receive the emails we send you.

16.5. Any notice or communication required or permitted to be given under this Agreement shall be in writing and shall be deemed to have been properly served, given, delivered, and received when delivered to the email address of the recipient. For the purposes of this clause, “Business Days” refers to business days in the jurisdiction in which we are incorporated (see Clause 1.1). Any notice sent by email shall be deemed to have been received on the next Business Day following the day on which it is sent. If the day on which notice is deemed to be received is not a Business Day, then the notice is deemed to have been received on the next Business Day.

17. Complaints

17.1. We are committed to ensuring that complaints are dealt with promptly and fairly.

17.2. If you would like to file a complaint about our Services, you can do so by sending the details and evidence related to your complaint to our contact email. We shall acknowledge the receipt of your complaint via email, investigate your complaint, and send you a final response within fifteen (15) Business Days from the date on which the complaint is received.

18. Governing law and jurisdiction

18.1. This Agreement and any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity, interpretation, performance, termination, or any non-contractual obligations arising out of or in connection with it.

19. Miscellaneous

19.1. This Agreement constitutes the entire agreement between you and us and supersedes all previous agreements, promises, assurances, and representations (whether written or oral) relating to their subject matter.

19.2. If any provision of this Agreement is found to be invalid or unenforceable by any court or administrative body of competent jurisdiction, such invalidity or unenforceability shall not affect the other provisions of this Agreement, which shall remain in full force and effect.

19.3. If we fail to insist that you perform any of your obligations under this Agreement, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

19.4. We may assign any or all of our rights under this Agreement to a third party.

19.5. You may not assign any or all of your rights under this Agreement to a third party without our prior written consent.

Effective Date:This Agreement is effective on the date the Partner accepts it electronically via the WeGolden Partner Portal (“Effective Date”).

This Introducing Broker (IB) / Affiliate Partner Agreement (the “Agreement”) is entered into by and between:

(1)WE GOLDEN (PTY) LTD, a company incorporated in the Union of Comoros under Company Registration No. HT00524061, with its registered office at Bonovo Road, Fomboni, Island of Mohéli, Union of Comoros, and licensed by MISA under Licence No. BFX2024121 (“WeGolden”, the “Company”, “we”, “us” or “our”);

(2)The individual or legal entityapplying and accepting this Agreement electronically through the WeGolden Partner Portal (“Partner”, “IB”, “you”, “your”).

The Company and the Partner are collectively the “Parties”.

1. Scope and Relationship

1.1 Scope:The Partner introduces prospective clients to WeGolden and markets WeGolden products and services in accordance with this Agreement, applicable laws, and Company policies.

1.2 Independent contractor:The Partner is an independent contractor and has no authority to bind WeGolden. Nothing in this Agreement creates a partnership, joint venture, employment, franchise, agency, fiduciary relationship, or representation.

1.3 No advice / no representation:The Partner must not (a) provide investment advice on behalf of WeGolden, (b) act as WeGolden’s representative, (c) make guarantees of profit, or (d) misrepresent trading conditions, execution quality, fees, licensing or regulatory status, or risk.

2. Definitions

2.1 “Client”means a person or entity who opens an account with WeGolden.

2.2 “Referred Client”means a Client who is tracked and attributed to the Partner through the Company’s tracking link, referral code, sub-ID, or manual assignment by WeGolden.

2.3 “Partner Portal”means the Company’s online portal used by Partners for tracking, reporting, and commission information.

2.4 “IB Reward”means the Partner commission payable under this Agreement.

2.5 “RevShare”means a share of Eligible Revenue attributable to Referred Clients, calculated under this Agreement and Schedule A.

2.6 “Eligible Revenue”means the trading-related revenue components included for RevShare purposes as described in Schedule A, net of adjustments and exclusions.

2.7 “Qualified Trade”means a trade meeting all eligibility requirements under Section 8 and Schedule B.

2.8 “Prohibited Conduct”means any conduct described in Section 10, including abuse, cheating, manipulation, gaming, fraud, or attempts to improperly generate IB Rewards.

2.9 “Restricted Jurisdictions”has the meaning set out in Section 6.

2.10 “Associated Parties”means the Partner’s owners, directors, employees, contractors, agents, relatives, affiliates, controlled entities, and any person reasonably believed by WeGolden to be acting in concert with the Partner, including where identifiers overlap (e.g., device, IP patterns, funding methods, payment instruments, or other linkage indicators).

3. Enrollment and Approval

3.1 Application and acceptance:The Partner applies through the Partner Portal. Acceptance is electronic.

3.2 Approval discretion:The Company may approve or reject any application at its sole discretion.

3.3 KYC/KYB:The Company may request identification, corporate documents, beneficial ownership information, and other compliance documentation at any time. Failure to provide requested information may result in suspension or termination.

4. Partner Obligations and Compliance

4.1 Compliance with laws:The Partner must comply with all applicable laws, regulations, and codes applicable to advertising and marketing, consumer protection, privacy, and anti-spam requirements in each jurisdiction where the Partner operates.

4.2 Fair and not misleading:Marketing must be fair, clear, and not misleading, and must include any risk warnings reasonably required by applicable law or requested by the Company.

4.3 No mis-selling:The Partner must not make statements or claims that are false, exaggerated, or deceptive, including guaranteed returns, “risk-free” claims, or misrepresentation of fees, spreads, execution, or licensing/regulatory status.

4.4 Record keeping and cooperation:The Partner must retain records of marketing content, traffic sources, and campaign settings and provide them promptly upon request by the Company.

5. Marketing and Brand Rules

5.1 Approved materials:The Partner may use Company-provided or Company-approved marketing materials only. The Company may require immediate removal of any non-compliant materials.

5.2 Trademark and impersonation restrictions:The Partner must not register or use domain names, social media handles, apps, pages, or creatives that imitate or are confusingly similar to WeGolden branding.

5.3 No brand bidding (PPC/SEM):Unless the Company provides prior written consent, the Partner must not bid on “WeGolden” or any misspellings or variations in paid search or paid social campaigns, and must not use Company trademarks in ad copy, display URLs, or as targeting keywords.

5.4 Prohibited traffic sources:No spam, unsolicited bulk messaging, forced clicks, cookie stuffing, malware or adware, fake reviews, misleading landing pages, misleading redirects, or any deceptive or unlawful acquisition method.

5.5 Campaign disclosure:The Company may request campaign details (keywords, placements, creatives, landing pages, tracking parameters) and the Partner must provide them within a reasonable timeframe specified by the Company.

6. Restricted Jurisdictions and Ineligible Clients

6.1 No service to certain residents:WeGolden does not provide services to residents of Vietnam, the EEA countries, the United States of America, Israel, Russia, Japan, Canada, the United Arab Emirates, and certain other jurisdictions determined by WeGolden from time to time (the “Restricted Jurisdictions”).

6.2 Partner obligation:The Partner must not target, solicit, or knowingly refer residents of Restricted Jurisdictions.

6.3 Ineligible referrals and consequences:If a Client is determined to be ineligible (including due to residency in Restricted Jurisdictions, sanctions, fraud, or failed compliance checks), the Company may refuse onboarding, restrict or close the account, and any related IB Rewards may be deemed ineligible and subject to reversal and/or clawback under Section 9.

7. Tracking and Attribution

7.1 Tracking methods:Attribution occurs only through the Company’s official tracking link, referral code, sub-ID and the Company’s systems.

7.2 No tracking manipulation:The Partner must not alter, mask, or manipulate tracking.

7.3 Company records prevail:The Company’s tracking records and internal logs are the sole basis for attribution and commission calculations.

8. Qualified Trade Rules (Core Eligibility)

8.1 Qualified Trades only:IB Rewards are earned only on Qualified Trades and Eligible Revenue as defined in this Agreement and Schedule A and Schedule B.

8.2 120-second rule:Trades opened and closed in less than one hundred twenty (120) seconds are not Qualified Trades and generate no IB Reward.

8.3 Other exclusions:The Company may exclude trades that are not genuine market-risk trades or that are otherwise non-eligible under Schedule B, including but not limited to hedging or offsetting patterns used to game rewards, abnormal execution, pricing errors, toxic flow, and trades linked to Prohibited Conduct.

8.4 No entitlement:The Partner acknowledges there is no entitlement to IB Rewards unless eligibility is met and confirmed by the Company’s systems.

9. IB Rewards (RevShare), Daily Credit, Adjustments, Withholding, and Clawback

9.1 RevShare model:The Partner’s IB Reward is based on RevShare: a percentage of Eligible Revenue attributable to Referred Clients’ Qualified Trades.

9.2 RevShare rate (up to 70%):The RevShare rate may be up to seventy percent (70%) depending on the Partner’s tier, performance, region, business quality, traffic sources, and other criteria determined by the Company. The applicable rate(s) and tier criteria (if any) are published in the Partner Portal and/or Schedule A and may be updated by the Company from time to time in accordance with Section 16.

9.3 Daily crediting:Subject to Sections 9.4–9.10, IB Rewards are calculated and credited daily based on Eligible Revenue from the prior day’s Qualified Trades. Daily credits may be shown as “pending” prior to becoming “payable”.

9.4 Pending review / maturation:The Company may apply a reasonable review period before daily credits become payable to allow for risk checks, error corrections, or compliance review.

9.5 Adjustments:The Company may adjust IB Rewards upward or downward (including after crediting) to account for: (a) trade cancellations, amendments, corrections, off-market pricing, system or LP errors; (b) chargebacks, payment reversals, negative balances, rebates, discounts, or disputes; (c) Clients determined ineligible (including Restricted Jurisdictions); (d) trades later determined to be non-Qualified (including the 120-second rule); and (e) any breach of this Agreement, Company policies, or Prohibited Conduct.

9.6 Withholding and suspension (suspected abuse):If the Company has reasonable grounds to suspect Prohibited Conduct, cheating, fraud, manipulation, reward gaming, or breach of this Agreement, the Company may withhold, delay, suspend, or refuse any IB Rewards (including daily credits), and may suspend the Partner’s access to the Partner Portal during investigation.

9.7 Cancellation and clawback:The Company may cancel unpaid IB Rewards and/or claw back (recover) IB Rewards already paid if the Company determines (acting reasonably) that such IB Rewards arose directly or indirectly from: (a) Prohibited Conduct; (b) non-Qualified Trades or ineligible Clients; (c) deceptive or prohibited marketing; (d) tracking manipulation; or (e) any other breach of this Agreement or Company policies.

9.8 Recovery methods:Clawback may be executed by: (a) deduction from future IB Rewards; (b) setting off against any balance in the Partner wallet; and/or (c) requiring repayment within a reasonable timeframe specified by the Company.

9.9 Minimum payout threshold:The Company may require a minimum payable threshold of USD 10 before processing a payout.

9.10 Final determination:The Company’s determination of (i) Eligible Revenue, (ii) Qualified Trades, (iii) attribution, and (iv) commission eligibility shall be based on the Company’s internal logs and records and shall be final, subject to the dispute procedure in Section 14.

10. Prohibited Conduct (Anti-Abuse / Anti-Cheating)

10.1 General prohibition:The Partner must not engage in Prohibited Conduct or assist any person to do so.

10.2 Examples of Prohibited Conduct include, without limitation:
(a) self-referrals or referrals of Associated Parties;
(b) multi-accounting, coordinated accounts, or identity manipulation to generate IB Rewards;
(c) churning or “reward gaming” strategies designed primarily to generate IB Rewards rather than genuine market exposure;
(d) hedging or mirroring across accounts or related parties to neutralize exposure while generating rewards;
(e) exploiting latency, technical errors, pricing errors, or execution vulnerabilities;
(f) falsifying residency, identity, or documentation to bypass restrictions;
(g) prohibited marketing methods in Section 5;
(h) any activity the Company reasonably believes is abusive, cheating, or intended to improperly obtain IB Rewards.

10.3 Consequences:The Company may take any action under Sections 9, 16, and other applicable provisions, including suspension, termination, cancellation of rewards, and clawback.

11. Taxes

11.1The Partner is solely responsible for all taxes, duties, and governmental charges arising from IB Rewards.

12. Confidentiality and Data Protection

12.1 Confidentiality:The Partner must keep confidential all non-public information, including Partner Portal reports, tiers, rates, and Company business information.

12.2 Data protection:The Partner must comply with applicable privacy laws and use Client data lawfully and only for legitimate marketing and support activities.

13. Intellectual Property

13.1All Company trademarks, logos, and materials remain the Company’s property.

13.2The Partner’s limited right to use approved materials terminates immediately upon termination.

14. Disputes and Claims (IB Rewards)

14.1 Claim window:The Partner must submit any dispute regarding IB Rewards within 7 days of the relevant report or credit appearing in the Partner Portal.

14.2 Information required:The Partner must provide sufficient details (client IDs, dates, sub-IDs, and other relevant information) for review.

14.3 Review and decision:The Company will review and respond within a reasonable time. The Company may deny claims lacking adequate information.

14.4 No abuse of process:Excessive, repetitive, or bad-faith claims may result in suspension.

15. Limitation of Liability

15.1The Company is not liable for indirect or consequential losses, loss of profit, loss of goodwill, or marketing costs incurred by the Partner.

15.2To the maximum extent permitted by law, the Company’s aggregate liability, if any, is limited to the IB Rewards paid to the Partner in the preceding three (3) months.

16. Term, Suspension, Termination, and Updates

16.1 Term:This Agreement starts on the Effective Date and continues until terminated.

16.2 Suspension:The Company may suspend tracking, Partner Portal access, and/or payments immediately where it reasonably suspects breach, compliance concerns, or Prohibited Conduct.

16.3 Termination for cause:The Company may terminate immediately for breach, fraud, cheating, prohibited marketing, brand bidding violations, or other material non-compliance.

16.4 Termination without cause:Either Party may terminate this Agreement at any time, with immediate effect, by written notice (including by email) to the other Party.

16.5 Effects of termination:Upon termination:
(a) the Partner must stop using Company branding and approved materials;
(b) the Company may stop attributing new Clients to the Partner;
(c) unpaid IB Rewards may be forfeited and/or paid amounts clawed back where Section 9.7 applies;
(d) Sections 9 (adjustments, withholding, clawback), 12 (confidentiality), 13 (IP), 15 (liability), 18 (governing law) and any provisions intended to survive termination shall survive.

16.6 Updates to rates and rules:The Company may update RevShare tiers and rates (including up to 70%), Qualified Trade rules, Restricted Jurisdictions, and marketing rules by updating the Partner Portal and/or Schedules. Continued participation after the effective date of changes constitutes acceptance.

17. Notices

17.1 To the Company: support@wegolden.com(or such other email address as the Company may notify from time to time).

17.2 To the Partner:the email address registered in the Partner Portal.

17.3 Notices are deemed received:upon successful delivery to the recipient’s email system, provided that no delivery failure notification is received.

18. Governing Law and Jurisdiction

18.1This Agreement and any dispute or claim arising out of or in connection with it shall be governed by the laws applicable in the Union of Comoros. The Parties submit to the exclusive jurisdiction of the competent courts of the Union of Comoros.

18.2The Parties irrevocably submit to the exclusive jurisdiction of the competent courts having authority over any dispute or claim arising out of or in connection with this Agreement.

19. Miscellaneous

19.1 Entire agreement:This Agreement and its Schedules constitute the entire agreement between the Parties concerning the subject matter.

19.2 Severability:If any provision is invalid, the remaining provisions remain effective.

19.3 Assignment:The Partner may not assign this Agreement without prior written consent. The Company may assign to an affiliate or successor.

19.4 Language:The English version prevails in case of inconsistency with translations.

SCHEDULE A — REVSHARE COMMISSION TERMS

A1. RevShare Rate:The Partner’s RevShare rate is determined by the Company and may be up to 70%. The applicable rate (and any tier criteria) is displayed in the Partner Portal or otherwise notified by the Company.

A2. Eligible Revenue:Eligible Revenue may include spread markup and/or trading commission and/or other trading-related revenue components attributable to Referred Clients’ Qualified Trades, net of: (i) rebates/discounts, (ii) chargebacks/payment reversals, (iii) error corrections, (iv) negative balance/credits related adjustments, and (v) any other adjustments reasonably applied by the Company.

A3. Exclusions:No IB Rewards are earned on: (a) non-Qualified Trades (including trades < 120 seconds); (b) ineligible Clients (including Restricted Jurisdictions); (c) trades linked to Prohibited Conduct, abuse, cheating, or manipulation; and (d) any activity excluded under Schedule B or Company policies.

A4. Daily Crediting:Rewards are calculated and credited daily (subject to pending review).

A5. Minimum payout threshold:USD 10.

SCHEDULE B — QUALIFIED TRADE RULES

B1. 120-Second Rule:Trades opened and closed in less than 120 seconds do not qualify.

B2. Hedging / Mirroring Exclusion:Trades may be deemed non-Qualified where they form part of hedging, mirroring, offsetting, or coordinated strategies across one or more accounts intended to minimize market risk while generating rewards.

B3. Abnormal/Erroneous Conditions:Trades executed during pricing errors, off-market ticks, technical malfunctions, or LP/system disruptions may be excluded.

B4. Reward Gaming / Churning:Trades that the Company reasonably determines were executed primarily to generate IB Rewards (including repetitive short-horizon patterns, round-trip patterns, or other gaming behaviors) may be excluded.

B5. Company Discretion (Reasonable):The Company may classify trades as non-Qualified where it has reasonable grounds to suspect abuse, cheating, or non-genuine trading activity.

SCHEDULE C — MARKETING & BRAND POLICY

C1.No brand bidding without written consent; no trademark domains/handles; no impersonation.

C2.No misleading claims (no guaranteed profits, no “risk-free”, no false fees/spreads/licensing claims).

C3.No spam / deceptive traffic (no forced clicks, malware, cookie stuffing, misleading redirects).

C4. Takedown and disclosure:The Company may require immediate takedown of non-compliant content and may request campaign disclosures.

1. Purpose and Scope

This Complaints Handling Policy (the “Policy”) sets out the principles, intake channels, handling process and resolution timeframes applicable to all complaints, feedback and disputes arising between a Client and We Golden (PTY) LTD (“WeGolden”, the “Company”) in connection with the use of trading services, financial products, the Copy Trading platform, the Introducing Broker (IB) programme and any other related services.

This Policy has been developed in line with international best practice in the financial brokerage/forex industry and applies uniformly across all offices and legal entities of WeGolden, including the entity licensed by the Financial Sector Conduct Authority (FSCA – South Africa, FSP License No. 53890) and the entity licensed by the Mwali International Services Authority (MISA – Comoros, License No. BFX2024121).

The Policy applies to all forms of complaint, regardless of the value of the transaction concerned, the account type, or the channel through which the complaint was received.

2. Definition of a “Complaint”

A complaint is any expression of dissatisfaction, whether in writing or verbal, made by a Client in relation to the provision (or non-provision) of a financial service by WeGolden, including but not limited to:

• Order execution quality, slippage, or abnormal quotes;
• Timing, fees or conditions relating to deposits/withdrawals;
• Accuracy of account balances, trading history, swap/overnight charges or commissions;
• Operation of Copy Trading or Master Trader accounts, or the IB/partner commission system;
• Quality of service or response times of the Customer Support team;
• Application of the Terms & Conditions or promotional/bonus policies;
• Any conduct alleged to breach applicable law or WeGolden’s internal policies.

Routine questions, simple technical support requests, or requests for information that have not yet received a first response do NOT constitute a formal complaint unless the Client confirms continued dissatisfaction after receiving an initial response.

3. Principles of Complaints Handling

WeGolden is committed to handling every complaint in accordance with the following principles:

Fair and objective:Every complaint is reviewed independently and impartially, based on trading data and factual evidence.

Free of charge:Clients are not charged any fee to submit or have a complaint handled.

Timely:Complaints are acknowledged, investigated and resolved within the timeframes set out in Section 7.

Confidential:Complaint-related information is used solely for verification, resolution and internal record-keeping purposes.

Transparent:Clients are kept informed of progress, outcomes, and their further right of escalation if they disagree with the outcome.

Record-keeping:All complaints and related documentation are retained for a minimum of 5 years to support audit, compliance and regulatory review.

4. Complaint Intake Channels

Clients may submit a complaint through any of the following official channels:

Email:sent to the Customer Support / Compliance Department email address published in the Contact section of wegolden.com;

Live Chat (HubSpot):via the live chat widget natively integrated into the HubSpot platform, available 24/7 on the website and trading portal; every live-chat conversation identified as a complaint is automatically logged as a ticket in HubSpot and assigned a Case ID for tracking and audit purposes;

Online complaint form:via the “Contact Us” / “Support” section on wegolden.com, which likewise creates a ticket in HubSpot;

Written correspondence:sent directly to the Company’s registered office at Unit 8, 29 First Avenue East, Parktown North, Johannesburg, Gauteng 2193, South Africa;

Telephone:via the officially published hotline number (complaints received by phone will be logged in HubSpot and Clients will be asked to confirm the matter in writing for record purposes).

Because Live Chat, the online form and email all feed directly into HubSpot, every complaint — irrespective of the channel of origin — is consolidated into a single ticketing system, ensuring a unique Case ID, a full audit trail and consistent handling under this Policy. WeGolden nonetheless recommends that Clients submit complaints in writing (via email, Live Chat, or the online form) to ensure the completeness and accuracy of information and to facilitate progress tracking.

5. Information Required When Submitting a Complaint

To ensure a complaint is handled promptly, Clients are asked to provide the following information in full:

• Full name and trading account number (Trading ID/Login);
• Email address registered with WeGolden;
• A detailed description of the issue, including the date/time and any relevant Order ID/Ticket or transaction reference;
• Supporting documentation or evidence: screenshots, trading history, prior email/chat correspondence;
• The outcome or resolution sought by the Client.

If a complaint is submitted with incomplete information, it may take longer to resolve. WeGolden will contact the Client to request any additional information required.

6. Complaints Handling Process

Step 1 — Receipt and Acknowledgement.Within 24 business hours of receiving a complaint through any channel (including HubSpot Live Chat), the Customer Support team will send an acknowledgement of receipt together with a Case ID for the Client to track progress.

Step 2 — Classification and Investigation.The complaint is classified by severity and routed, via HubSpot, to the relevant specialist team (Dealing, Finance/Accounting, Technical, or Compliance) for verification against system data, trading history and server logs.

Step 3 — Preliminary Response.For straightforward cases, WeGolden will respond with the outcome within 5 business days. For complex cases requiring in-depth verification or coordination across departments, WeGolden will provide the Client with progress updates and issue a final response within a maximum of 8 weeks from the date the complaint was logged.

Step 4 — Formal Conclusion.WeGolden issues a written Final Response setting out: the outcome of the investigation, the basis for the decision, the proposed resolution (compensation, adjustment, or rejection with reasons), and the Client’s rights should they disagree with the conclusion.

Step 5 — Internal Escalation.If the Client is not satisfied with the conclusion reached by Customer Support/Dealing, the Client may request that the Compliance Department independently review the entire case before the Company’s final decision is issued

7. Resolution Timeframes

8. Client Rights Where the Client Disagrees with the Outcome

Where a Client disagrees with WeGolden’s conclusion, the Client has the right to:

• Request that the Company provide all supporting evidence and trading data (order logs, execution timestamps) relied upon in concluding;
• Refer the complaint to the competent regulator of the WeGolden entity under which the Client’s account operates, namely the Financial Sector Conduct Authority (FSCA) – South Africa for the entity licensed under FSP No. 53890, or the Mwali International Services Authority (MISA) – Comoros for the entity licensed under License No. BFX2024121;
• Make use of any available independent or alternative dispute resolution (ADR) mechanism consistent with the law applicable in the jurisdiction of the relevant licensed entity;
• Seek independent legal advice or pursue legal action in accordance with the law governing the contract between the Client and WeGolden.

WeGolden will not take any discriminatory action, restrict services, or retaliate against a Client for submitting a valid complaint or for escalating a complaint to a regulator.

9. Confidentiality and Data Protection

All information and documentation provided by a Client during the complaints process is treated confidentially and is accessible only to individuals/departments directly involved in handling the case (Customer Support, Dealing, Accounting, Compliance, and Senior Management where required).

Complaint data recorded in HubSpot and elsewhere is not shared with third parties except: (i) with the Client’s consent; (ii) pursuant to a lawful request from a competent regulator or government authority; or (iii) for purposes of legal proceedings or dispute resolution as required by law.

10. Matters Outside the Scope of the Complaints Process

To ensure fair treatment of all Clients, WeGolden will not consider compensation in the following circumstances unless there is clear evidence of a system error or fault attributable to the Company:

• Trading losses arising from normal market movements, including periods of high volatility (news events, price gaps);
• The Client’s own trading decisions, including the outcome of copy-trading a Master Trader freely selected by the Client;
• Internet connectivity, hardware or third-party software issues outside WeGolden’s systems;
• Breach of the Terms & Conditions, the Fair Usage Policy, or the publicly disclosed anti-abuse promotion policy;
• Complaints submitted more than 90 days after the event giving rise to the complaint, unless WeGolden accepts a valid justification for the delay.

11. Contact Information

For any complaint or query relating to this Policy, please contact:

We Golden (PTY) LTD— Registered Office: Bonovo Road – Fomboni- Island of Mohéli – Comoros Union

Telephone:+27 10 288 2026

Website:https://wegolden.com — Contact:support@wegolden.com

Live Chat:available 24/7 via the HubSpot-integrated chat widget on wegolden.com

Receiving Department:Customer Support

This Policy may be reviewed and updated by WeGolden from time to time to remain consistent with applicable law and current industry practice. The most recent version is always published on WeGolden’s official website.