Terms and Conditions

IMPORTANT NOTICE

PLEASE READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING OUR SERVICES. BY REGISTERING AN ACCOUNT, DEPOSITING FUNDS, OR USING THE TRADING PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY.

Vertex Capital & Tech Limited is registered in Saint Lucia as an International Business Company under the IBC Act (Cap. 12.14), registration number IBC No. 2026-00522, trading as Vorum Capital, with registered address at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia ("the Company", "we", "us", or "our").

REGULATORY STATUS: The Company is NOT licensed or regulated by any financial regulatory authority, including but not limited to the Comissão de Valores Mobiliários (CVM) of Brazil, the Financial Conduct Authority (FCA) of the United Kingdom, or the Securities and Exchange Commission (SEC) of the United States. The Company is regulated under Saint Lucia regulators.

1. DEFINITIONS

"Account" — your trading account with Vorum Capital.

"Client" / "You" — any individual or entity that has accepted these Terms and opened an Account.

"Financial Instruments" — CFDs on FX pairs, metals, commodities, indices, equities, and cryptocurrencies.

"Platform" — the trading platform provided by the Company, including Leverate and TradingView integrations.

"Business Day" — Monday to Friday, excluding public holidays in Saint Lucia and major international market holidays.

2. ELIGIBILITY

To use our services, you must:

• Be at least 18 years of age;
• Have full legal capacity to enter binding contracts in your jurisdiction;
• Not be a resident of a Restricted Jurisdiction (see Section 4);
• Not be subject to applicable international sanctions;
• Have successfully completed our KYC verification process.

By accepting these Terms, you confirm that all information provided to us is accurate, complete, and up to date.

3. ACCOUNT OPENING

3.1 Account registration requires completion of our online application and full KYC verification, including government-issued photo ID, proof of address, and source of funds declaration (required for deposits above USD 10,000).

3.2 The Company reserves the right to refuse, suspend, or close any Account at its sole discretion.

3.3 You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at support@vorumcapital.com if you suspect unauthorized access to your Account.

3.4 One Account per person. Multiple accounts registered to the same individual are prohibited and may result in immediate suspension.

4. RESTRICTED JURISDICTIONS

We do not offer services to residents of:

• United States of America and its territories
• United Kingdom
• European Economic Area (without applicable EU authorization)
• Canada
• Japan
• North Korea, Iran, Cuba, Syria, Sudan and any OFAC / Sanctions jurisdictions.

Notice for residents of Brazil: Vertex Capital & Tech Limited is NOT authorized or regulated by the CVM or Banco Central do Brasil. Clients from Brazil access our services on their own initiative and are solely responsible for compliance with applicable Brazilian laws. No Brazilian investor protection mechanisms apply. See our full Brazil Regulatory Notice for details.

5. SERVICES

5.1 The Company offers execution of orders in CFDs on foreign exchange pairs (FX), precious metals, commodity indices, equity indices, individual equity CFDs, and cryptocurrency pairs.

5.2 The Company operates as a market maker and acts as principal and direct counterparty to all client trades. The Company does not route orders to external exchanges.

5.3 Nothing on our platform constitutes investment advice, a recommendation, or a solicitation to trade. You are solely responsible for your trading decisions.

5.4 The Company provides access to educational content and market information for informational purposes only.

6. LEVERAGE AND RISK

6.1 CFDs are leveraged products. Leverage amplifies both potential profits and losses. A small adverse price movement can result in losses exceeding your initial deposit.

6.2 You must ensure you understand the risks before trading. For a full explanation of the risks involved, please read our Risk Disclosure Statement in our website.

6.3 The Company may change leverage limits at any time without prior notice.

7. DEPOSITS

7.1 Available deposit methods include bank transfer, PIX (Brazil), credit/debit cards, and digital wallets, as displayed on our website.

7.2 Deposits must be made from payment instruments registered in your own name. Third-party deposits are strictly prohibited and will be returned without processing.

7.3 The Company does not accept cash deposits.

7.4 Minimum deposit amounts vary by account type as published on our website.

7.5 Deposits in USDT and other accepted cryptocurrencies are converted to your account base currency at the prevailing rate at the time of receipt.

8. WITHDRAWALS

8.1 General Withdrawal Terms

8.1.1 Withdrawal requests must be submitted through the Client Portal at vorumcapital.com.

8.1.2 All withdrawal requests are subject to verification. The Company may request additional documentation before processing any withdrawal.

8.1.3 Withdrawals will be processed to the same payment method used for the original deposit ("same-source policy") where technically possible.

8.1.4 Withdrawals to third parties are not permitted.

8.1.5 The Company may delay or refuse a withdrawal where: (i) there are open margin positions; (ii) there are outstanding obligations owed by you; (iii) there are compliance, AML, or fraud investigation grounds; or (iv) KYC documentation is incomplete or expired.

8.2 Withdrawal Processing Times

Processing times depend on the withdrawal amount:

Important: Processing times are calculated from the date the withdrawal request is approved (i.e., after KYC and compliance checks are complete), not from the date of submission. Additional time may be required by the receiving bank or payment processor, which is outside the Company's control.

For Brazilian clients (PIX): PIX withdrawals up to USD 5,000 are typically processed within 1–3 Business Days after approval. PIX withdrawals above USD 5,000 are subject to the standard 21 Business Day processing period.

8.3 Withdrawal Fees

Withdrawal fees, if applicable, are disclosed in the Fee Schedule on our website. The Company reserves the right to deduct applicable fees from the withdrawal amount.

8.4 Minimum Withdrawal Amount

The minimum withdrawal amount is USD 50 (or equivalent). Requests below this threshold may be declined.

9. CLIENT FUNDS

9.1 Client funds are held in segregated bank accounts, separate from the Company's operational funds.

9.2 Segregation of funds does not constitute a government guarantee or deposit insurance. Client funds are not protected by any statutory compensation scheme.

9.3 The Company may hold client funds in accounts denominated in major currencies. Exchange rate movements may affect the value of your funds between deposit and withdrawal.

10. FEES AND CHARGES

10.1 Spread: The primary cost of trading is the bid/ask spread. Spreads are displayed on the Platform.

10.2 Overnight / Swap fees: Positions held open overnight are subject to swap charges or credits, reflecting financing costs and interest rate differentials.

10.3 Inactivity fee: An inactivity fee may be applied to accounts with no trading activity for 90 or more consecutive days. Details are published in the Fee Schedule.

10.4 Currency conversion: Where a transaction is in a currency other than your account base currency, a conversion fee applies.

10.5 The Company reserves the right to update its fee structure. Material changes will be published on our website with reasonable notice.

11. NEGATIVE BALANCE PROTECTION

11.1 Under normal market conditions, the Company will not hold you liable for negative balances caused by adverse market movements beyond your deposited funds.

11.2 Negative balance protection does not apply in cases of fraud, market manipulation, system abuse, or extreme market events such as price gapping or sudden liquidity gaps.

11.3 The Company reviews all negative balance situations on a case-by-case basis.

12. TRADING PLATFORM

12.1 The Company provides access to the Trading Platform on an "as is" basis. We do not guarantee uninterrupted or error-free access.

12.2 You are responsible for maintaining a stable internet connection and appropriate device to access the Platform.

12.3 In the event of a platform outage, you may contact customer support at support@vorumcapital.com or by phone, as listed on our website.

12.4 The Company is not liable for losses caused by system failures beyond its reasonable control.

13. PROHIBITED CONDUCT

You must not:

• Provide false or misleading information to the Company;
• Engage in market manipulation, abusive trading, or exploiting system errors;
• Open multiple accounts or allow a third party to operate your Account;
• Use automated trading systems or bots without the Company's prior written consent;
• Engage in any activity that constitutes fraud, money laundering, or terrorist financing;
• Use the Platform in any jurisdiction where it is prohibited.

Violation of this section may result in immediate account suspension, cancellation of profits, and legal action.

14. COMPLAINTS

14.1 If you have a complaint, please submit it in writing to support@vorumcapital.com with your account number and a description of the issue.

14.2 We will acknowledge your complaint within 5 Business Days and provide a final response within 30 Business Days.

14.3 For full details of our complaint handling process, see our Complaints Handling Procedure.

15. LIMITATION OF LIABILITY

15.1 To the maximum extent permitted by applicable law, the Company's total liability to you for any losses arising from these Terms or our services is limited to the total amount deposited by you with the Company in the 12 months preceding the event giving rise to the claim.

15.2 The Company is not liable for: indirect, consequential, or special damages; loss of profits; trading losses resulting from market movements; losses caused by third-party service providers (banks, PSPs, liquidity providers); or losses caused by events of force majeure.

15.3 Nothing in these Terms limits liability for fraud or willful misconduct by the Company.

16. ACCOUNT TERMINATION

16.1 By you: You may close your Account at any time by contacting support@vorumcapital.com. All open positions must be closed and all funds withdrawn before termination is complete.

16.2 By us: The Company may suspend or terminate your Account without prior notice for breach of these Terms, failure of KYC, compliance reasons, or at our sole discretion.

16.3 Upon termination, your available balance (less any applicable deductions) will be returned to your registered payment method within the timeframes specified in Section 8.2.

17. AMENDMENTS

17.1 The Company may amend these Terms at any time by posting the updated version on our website.

17.2 For material changes, we will notify you by email to your registered address at least 14 days before the changes take effect.

17.3 Continued use of our services after the effective date constitutes acceptance of the updated Terms.

18. GOVERNING LAW AND DISPUTES

18.1 These Terms are governed by the laws of Saint Lucia.

18.2 Any dispute arising out of or in connection with these Terms shall be resolved by arbitration under the UNCITRAL Arbitration Rules, with the seat of arbitration in Saint Lucia and the language of arbitration being English.

18.3 The arbitral award shall be final and binding.

19. MISCELLANEOUS

19.1 Entire Agreement: These Terms, together with the Client Agreement, Risk Disclosure, Privacy Policy, AML/KYC Policy and Order Execution Policy, constitute the entire agreement between you and the Company.

19.2 Severability: If any provision is found invalid or unenforceable, the remaining provisions continue in full force.

19.3 Language: These Terms are published in English. Any translation provided is for convenience only. The English version prevails in the event of any inconsistency.

19.4 No waiver: Failure to enforce any provision does not constitute a waiver of that provision.

19.5 Assignment: You may not assign your rights under these Terms. The Company may assign its rights to any affiliate or successor.

20. CONTACT

General Support: support@vorumcapital.com

Website: vorumcapital.com

Address: Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia