Terms and Conditions

TERMS AND CONDITIONS

Effective Date: April 22, 2025 Last Updated: April 22, 2025

1. ACCEPTANCE OF TERMS

By accessing or using the Halcyon Reserve Capital platform, website, or any associated services, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms, you must immediately discontinue use of the Platform. These Terms constitute a legally binding agreement between you and Halcyon Reserve Capital.

1. ELIGIBILITY

To use our services, you must be at least 18 years of age, have the legal capacity to enter into a binding agreement, not be prohibited from using financial services under applicable law, and provide accurate, current, and complete information during registration. Halcyon Reserve Capital reserves the right to refuse service, terminate accounts, or cancel transactions at its sole discretion.

1. ACCOUNT REGISTRATION AND SECURITY

You are responsible for maintaining the confidentiality of your account credentials, including your password and two-factor authentication details. You agree to notify us immediately of any unauthorized access, ensure you log out after each session, and not share your credentials with any third party. Halcyon Reserve Capital will not be liable for any loss resulting from unauthorized use of your account due to your failure to safeguard your credentials.

1. SERVICES OFFERED

Halcyon Reserve Capital provides the following financial services subject to eligibility and regional availability: current and savings accounts, domestic and international fund transfers, investment portfolio management, credit and debit card services, cashback and rewards programs, and market insights and financial advisory tools. All services are subject to applicable fees, limits, and regulatory requirements. We reserve the right to modify, suspend, or discontinue any service at any time with reasonable notice.

1. FUND TRANSFERS AND TRANSACTIONS

All transactions initiated on the Platform are subject to verification and compliance checks. Halcyon Reserve Capital reserves the right to delay, hold, or reverse any transaction that appears fraudulent or suspicious, violates applicable AML or KYC regulations, or breaches these Terms. You are solely responsible for ensuring the accuracy of recipient details. Halcyon Reserve Capital is not liable for funds sent to incorrect accounts due to user error.

1. FEES AND CHARGES

Applicable fees for our services are disclosed in our Fee Schedule. Fees may include account maintenance fees, transfer fees, currency conversion charges, and card issuance fees. We reserve the right to update our Fee Schedule with 30 days prior notice. Continued use of the Platform after the notice period constitutes acceptance of the revised fees.

1. KYC AND AML COMPLIANCE

In compliance with applicable financial regulations, Halcyon Reserve Capital is required to verify the identity of all users. You agree to provide valid government-issued identification, submit proof of address and any other documentation we request, and cooperate fully with any enhanced due diligence procedures. Failure to comply may result in account suspension or termination and reporting to relevant regulatory authorities.

1. PROHIBITED ACTIVITIES

You agree not to use the Platform for money laundering, fraud, or financing of terrorism, purchasing illegal goods or services, circumventing applicable laws or regulations, unauthorized data collection or scraping, introducing malicious code or conducting cyberattacks, impersonating any person or entity, or engaging in any activity that disrupts or interferes with the Platform. Violation of this section may result in immediate account termination and referral to law enforcement.

1. INTELLECTUAL PROPERTY

All content on the Platform, including text, graphics, logos, software, and data, is the exclusive property of Halcyon Reserve Capital and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

1. PRIVACY AND DATA PROTECTION

Your use of the Platform is subject to our Privacy Policy. By using the Platform, you consent to the collection, processing, and storage of your personal data in accordance with our Privacy Policy and applicable data protection laws including GDPR where applicable.

1. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Halcyon Reserve Capital shall not be liable for indirect, incidental, special, or consequential damages, loss of profits or business opportunities, damages resulting from unauthorized access to your account, service interruptions beyond our reasonable control, or errors in market data or financial information. Our total liability to you for any claim shall not exceed the total fees paid by you in the three months preceding the claim.

1. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Halcyon Reserve Capital, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of the Platform, your violation of these Terms, your violation of any applicable law, or any dispute between you and a third party.

1. SERVICE AVAILABILITY

Halcyon Reserve Capital strives to maintain 99.9% Platform uptime. However, we do not guarantee uninterrupted access and shall not be liable for downtime caused by maintenance, system upgrades, third-party failures, or events beyond our reasonable control. Scheduled maintenance will be communicated in advance where possible.

1. TERMINATION

We reserve the right to suspend or terminate your account at any time for breach of these Terms, suspicious or fraudulent activity, failure to comply with KYC and AML requirements, or regulatory and legal requirements. Upon termination, your right to use the Platform ceases immediately. Any funds in your account will be handled in accordance with applicable law and our internal policies.

1. AMENDMENTS TO TERMS

Halcyon Reserve Capital reserves the right to amend these Terms at any time. We will notify you of material changes via email or a prominent notice on the Platform at least 30 days before the changes take effect. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

1. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Halcyon Reserve Capital is registered. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

1. DISPUTE RESOLUTION

In the event of a dispute, you agree to first contact Halcyon Reserve Capital at legal@halcyonreservecapital.com to seek an informal resolution. If the dispute cannot be resolved informally within 30 days, either party may pursue formal legal remedies as provided under applicable law.

1. SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

1. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and Fee Schedule, constitute the entire agreement between you and Halcyon Reserve Capital with respect to your use of the Platform and supersede all prior agreements and understandings.

1. CONTACT US

Halcyon Reserve Capital Email: legal@halcyonreservecapital.com Website: halcyonreservecapital.com