Legal - OptiVest
Terms and Conditions
Please read these terms and conditions carefully before using our platform and services.
1. DEFINITIONS
"Account" means the investment account opened by the Client with AurumChainTrust.
"Client," "You," or "Your" refers to any individual or entity that registers for and maintains an Account with AurumChainTrust.
"Company," "We," "Us," or "Our" refers to AurumChainTrust and its affiliates.
"Investment Package" refers to any active funded investment plan or trading account with deposited capital.
"Referral" refers to a new Client who registers using Your unique referral code and completes account verification.
"Welcome Bonus" refers to the $500 promotional credit awarded upon successful registration and verification.
"Active Referral" refers to a Referred Client who has deposited and maintains an active Investment Package.
"KYC" means Know Your Customer verification procedures.
"AML" means Anti-Money Laundering compliance procedures.
"Business Day" means Monday through Friday, excluding public holidays.
---
2. ELIGIBILITY AND ACCOUNT REGISTRATION
2.1 Eligibility Requirements
To open an Account with AurumChainTrust, You must:
- Be at least 18 years of age or the legal age of majority in Your jurisdiction;
- Have the legal capacity to enter into binding contracts;
- Not be a resident of any jurisdiction where our services are prohibited by law;
- Provide accurate, complete, and current information during registration;
- Pass all KYC and AML verification requirements.
2.2 Account Verification (KYC)
Before any withdrawals, transfers, or investment activities, You must complete verification by providing:
- Government-issued photo identification (passport, national ID, or driver's license);
- Proof of address (utility bill, bank statement, or official correspondence dated within 3 months);
- Proof of payment method ownership;
- Any additional documentation requested for regulatory compliance.
Failure to complete KYC will result in account restrictions, including suspension of withdrawals and trading privileges .
2.3 Account Security
You are responsible for maintaining the confidentiality of Your account credentials. Any activity occurring under Your account is Your responsibility. Immediately notify Us of any unauthorized access or security breach.
---
3. INVESTMENT SERVICES AND RISK DISCLOSURE
3.1 Nature of Services
AurumChainTrust provides investment management services in precious metals (gold, silver), commodities, and related derivative instruments. We offer portfolio management, trading execution, and advisory services.
3.2 Risk Acknowledgment
You acknowledge and agree that:
- All investments carry risk, including potential loss of capital;
- Precious metals and commodity markets are volatile and subject to price fluctuations;
- Past performance is not indicative of future results;
- Leveraged trading amplifies both gains and losses;
- You invest at Your own risk and should only invest funds You can afford to lose.
3.3 No Guarantee
We do not guarantee any specific return on investment. Any projections or historical performance data provided are illustrative only.
---
4. DEPOSITS AND WITHDRAWAL
4.1 Deposit Requirements
- Minimum deposit amounts are specified for each Investment Package;
- Deposits must originate from accounts or payment methods registered in Your name;
- Third-party deposits are strictly prohibited and will be returned minus processing fees;
- We reserve the right to reject deposits pending verification of source of funds under AML regulations .
4.2 Withdrawal Procedures
"Clients utilizing the Withdrawal Access Card for wire transfers or alternative channels must maintain active card membership in good standing. Standard withdrawal limitations apply to clients without active card privileges. See Section 15 for BlackCard Program terms."
- Withdrawal requests must be submitted through Your secure client portal;
- Withdrawals will be processed to the same payment method used for deposits where possible ;
- Processing time: 3-5 Business Days for standard withdrawals, subject to verification;
- We may require additional documentation for large withdrawals or AML compliance;
- Withdrawal fees may apply as disclosed in Our fee schedule.
4.3 Withdrawal Restrictions
Absence of required Withdrawal Access Card for requested withdrawal channel (see Section 15). Clients requesting wire withdrawals without an active Withdrawal Access Card will be required to either (a) purchase and activate the card, or (b) utilize standard ACH withdrawal methods subject to standard processing times and limits or depend on the provided channel by the platform.
We may suspend or delay withdrawals if:
- KYC/AML verification is incomplete or expired;
- There are open positions or pending orders using the funds;
- Bonus terms and conditions have not been met (see Section 6);
- There is suspicion of fraudulent activity or violation of these Terms;
- Regulatory authorities require withholding .
---
5. FEES AND CHARGES
5.1 Fee Structure
You agree to pay all applicable fees, including:
- Management fees (as per Your selected Investment Package);
- Performance fees on profitable trades;
- Withdrawal fees (where applicable);
- Currency conversion fees;
- Inactivity fees: Accounts inactive for 12 consecutive months incur a monthly maintenance fee of $50 .
5.2 Fee Changes
We reserve the right to modify fee structures with 30 days' advance notice. Continued use of services after fee changes constitutes acceptance.
---
6. WELCOME BONUS TERMS AND CONDITIONS
6.1 Bonus Eligibility
The $500 Welcome Bonus is available to:
- New Clients who complete registration and full KYC verification;
- Clients who have not previously held an Account with AurumChainTrust;
- Clients who register using a valid referral code (if applicable).
6.2 Bonus Crediting
The Welcome Bonus will be credited to Your Account within 24-48 hours of successful verification. The bonus appears as "Bonus Credit" separate from Your deposited funds.
6.3 Bonus Restrictions
Until the Release Conditions are met, the Welcome Bonus CANNOT be:
- Withdrawn to an external account;
- Transferred to another client or account;
- Used to purchase Investment Packages independently (it may supplement Your deposited funds only);
- Converted to cash or any other form of liquid asset.
6.4 Release Conditions
To unlock the Welcome Bonus for withdrawal, transfer, or investment package purchase, You must:
Complete at least 10 (ten) successful Referrals, of which:
- A minimum of 5 (five) Referrals must be "Active Referrals" (meaning each has deposited funds and maintains an active Investment Package);
- All Referrals must complete KYC verification;
- All Referrals must use Your unique referral code at registration;
- Active Referrals must maintain their Investment Package for a minimum of 30 days.
6.5 Verification of Referral
- We reserve the right to verify the authenticity of all Referrals;
- Self-referrals, duplicate accounts, or fraudulent referrals will disqualify the bonus and may result in account termination;
- Referrals must be genuine new clients with unique identity and contact information.
6.6 Bonus Expiration
- The Welcome Bonus expires 180 days from the date of crediting if Release Conditions are not met;
- Expired bonuses will be removed from the Account without notice;
- Any profits generated using the bonus may also be forfeited upon expiration.
6.7 Bonus Abuse
The following constitute bonus abuse and will result in immediate forfeiture of the bonus and potential account suspension:
- Creating multiple accounts to claim multiple bonuses;
- Using fake or stolen identities to create Referrals;
- Colluding with others to artificially meet Referral requirements;
- Any attempt to circumvent the Release Conditions through deceptive practices .
6.8 Changes to Bonus Terms
We reserve the right to modify, suspend, or terminate the Welcome Bonus program at any time with notice to affected Clients.
---
7. REFERRAL PROGRAM
7.1 Referral Rewards
Beyond the Welcome Bonus release, Active Referrals may qualify You for ongoing commission rewards as detailed in Our separate Referral Program Terms.
7.2 Prohibited Activities
You may not:
- Engage in spam or unsolicited marketing to promote Your referral code;
- Misrepresent AurumChainTrust or Our services to obtain Referrals;
- Use paid advertising that violates platform policies or misleads consumers;
- Guarantee returns or make promises We do not authorize .
---
8. PRIVACY AND DATA PROTECTION
8.1 Data Collection
We collect and process personal data in accordance with Our Privacy Policy and applicable data protection laws, including the SEC's amended Regulation S-P requirements for safeguarding customer information .
8.2 Security Measures
We implement technical and organizational measures to protect Your data, including incident response procedures for unauthorized access .
8.3 Information Sharing
We may disclose Your information to:
- Regulatory authorities as required by law;
- Service providers under strict confidentiality agreements;
- Law enforcement in cases of suspected fraud or illegal activity.
---
9. PROHIBITED ACTIVITIES
You agree NOT to:
- Use Our services for money laundering, terrorist financing, or other illegal activities;
- Manipulate markets or engage in fraudulent trading practices;
- Use automated systems (bots) without Our written authorization;
- Reverse engineer or attempt to access Our systems unlawfully;
- Publish false or misleading reviews or testimonials about Our services .
---
10. LIMITATION OF LIABILITY
10.1 No Liability for Losses
To the maximum extent permitted by law, AurumChainTrust shall not be liable for:
- Trading losses or investment performance;
- Technical failures, system outages, or data delays;
- Losses resulting from Your failure to comply with these Terms;
- Events beyond Our reasonable control (force majeure).
10.2 Indemnification
You agree to indemnify and hold harmless AurumChainTrust, its officers, directors, employees, and agents from any claims, damages, or expenses arising from Your use of Our services or violation of these Terms.
---
11. TERMINATION
11.1 Termination by You
You may close Your Account at any time by submitting a written request, subject to:
- Settlement of all pending transactions;
- Payment of all outstanding fees;
- Compliance with any lock-up periods in Your Investment Package;
- Forfeiture of any unreleased Welcome Bonus.
11.2 Termination by Us
Failure to maintain required BlackCard compliance, including repeated suspicious transaction patterns or violation of card usage policies.
We may suspend or terminate Your Account immediately if You:
- Violate these Terms or applicable laws;
- Engage in fraudulent or abusive behavior;
- Fail to respond to KYC/AML requests within 30 days;
- Provide false or misleading information.
11.3 Effect of Termination
Upon termination:
- All Welcome Bonus credits are forfeited;
- Referral program benefits cease;
- We will return Your deposited funds (minus fees and losses) within 30 Business Days, subject to regulatory holds.
---
12. GOVERNING LAW AND DISPUTE RESOLUTION
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.
12.2 Dispute Resolution
Any disputes shall first be addressed through Our internal complaint procedure. If unresolved, disputes shall be submitted to binding arbitration under the rules of [Arbitration Association], except where prohibited by law.
12.3 Class Action Waiver
You agree to resolve disputes on an individual basis and waive any right to participate in class actions or representative proceedings.
---
13. GENERAL PROVISIONS
13.1 Entire Agreement
These Terms constitute the entire agreement between You and AurumChainTrust regarding Your use of Our services.
13.2 Severability
If any provision is found unenforceable, the remainder of these Terms shall remain in full force.
13.3 Waiver
Our failure to enforce any right shall not constitute a waiver of that right.
13.4 Assignment
You may not assign these Terms without Our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
13.5 Notices
All notices shall be sent to the email address on file or through Your client portal.
13.6 Amendments
We may amend these Terms at any time. Material changes will be notified via email or platform announcement. Continued use constitutes acceptance of amended Terms.
14. CONTACT INFORMATION
AurumChainTrust
Email: compliance@aurumchaintrust.com
Support: support@aurumchaintrust.com
Website: www.aurumchaintrust.com
15. THE AURUMCHAINTRUST BLACKCARD PROGRAM
15.1 Program Overview
The AurumChainTrust BlackCard ("BlackCard") is an exclusive payment instrument issued to Elite Investors—clients who meet specific qualification criteria as determined by the Company. The BlackCard functions as a covered prepaid access device under applicable financial regulations, enabling direct account funding, purchases, and unlimited withdrawals subject to the terms herein .
15.2 BlackCard Types and Features
A. Elite Investor BlackCard (Direct Charge Card)
Issued to: Qualified Elite Investors meeting minimum portfolio thresholds (as defined in the Elite Investor Program);
Functionality: Allows direct charging/debiting of the cardholder's AurumChainTrust investment account for:
Account funding and deposits;
Purchase of additional Investment Packages;
Payment of fees, charges, or subscription costs;
Any other costs or purchases authorized by the Company;
Funding: Linked directly to the cardholder's available account balance or approved credit facility;
Usage: Unlimited transactions within available balance and regulatory limits.
B. Withdrawal Access Card (Wire & Alternative Channel Card)
Required for: Members who wish to execute withdrawals via:
Wire transfer (domestic and international);
Alternative withdrawal channels as identified or designated by the Company from time to time;
Any withdrawal method outside standard ACH/bank transfer processing;
Functionality: Enables unlimited withdrawal transactions once purchased and activated;
Activation: Requires one-time acquisition fee and compliance verification.
15.3 Card Acquisition and Eligibility
A. Elite Investor BlackCard Qualification:
Maintain a minimum account balance or investment portfolio value as specified in the Elite Investor Program (currently $50,000 USD equivalent);
Complete enhanced due diligence (EDD) verification;
Maintain account in good standing for minimum 90 days;
Satisfactory completion of AML/KYC screening without material concerns;
Acceptance of additional Elite Investor Terms and Conditions.
B. Withdrawal Access Card Acquisition:
Available for purchase by all verified account holders;
One-time acquisition fee: $299 USD (subject to change);
Annual maintenance fee: $149 USD;
Requires completion of supplemental identity verification;
Subject to BSA/AML compliance as a "covered" prepaid access arrangement .
15.4 Card Usage Terms
A. General Usage:
Cards remain the property of AurumChainTrust and must be returned upon request or account closure;
Cards are non-transferable and may only be used by the registered cardholder;
The Company reserves the right to decline any transaction at its sole discretion for security, compliance, or risk management purposes;
Cardholders must report lost, stolen, or compromised cards within 24 hours.
B. Transaction Limits:
Subject to daily, weekly, and monthly transaction limits as disclosed in the Cardholder Agreement;
Large transactions may require advance notification and additional verification;
International transactions subject to currency conversion fees and regulatory reporting.
C. Prohibited Uses:
Cards may not be used for:
Illegal activities, gambling, or sanctioned transactions;
Purchasing cryptocurrency from unauthorized sources;
Money laundering or structuring transactions to evade reporting;
Any activity violating applicable laws or Company policies.
15.5 Fees and Charges
Table
Fee Type Elite BlackCard Withdrawal Access Card
Acquisition Fee Waived $3500 USD
Annual Maintenance Waived $800 USD
Domestic Transaction No fee No fee
International Transaction 1.5% conversion 2.0% conversion
ATM Withdrawal (in-network) No fee $2.50 per transaction
ATM Withdrawal (out-of-network) $2.50 $5.00
Replacement Card $3500 $7500
Expedited Shipping $280 $410
Chargeback/Dispute Fee $25 $25
Fee Disclosure Compliance: All fees comply with Regulation E and prepaid account disclosure requirements under applicable consumer financial protection laws .
15.6 Withdrawal Privileges and Unlimited Access
A. Standard Withdrawal Limitations:
Clients without an active Withdrawal Access Card are subject to:
Standard withdrawal processing times (3-5 Business Days);
Monthly withdrawal limits as specified in their Investment Package terms;
Restricted withdrawal channels (bank transfer/ACH only).
B. Unlimited Withdrawal Privileges:
Withdrawal Access Cardholders enjoy:
Unlimited withdrawal frequency (subject to account balance availability);
Priority processing (same-day or next-business-day for requests submitted before cutoff times);
Access to wire transfer, SWIFT, and alternative channels;
Higher daily withdrawal thresholds;
Dedicated withdrawal support line.
C. Unlimited Withdrawal Conditions:
Unlimited status requires:
Active, paid-in-full Withdrawal Access Card membership;
Account in good standing with no compliance holds;
Completion of any required Source of Funds verification for large withdrawals;
Adherence to AML transaction monitoring protocols.
15.7 Compliance and Regulatory Obligations
A. BSA/AML Compliance:
The BlackCard program operates as a "covered" prepaid access arrangement under the Bank Secrecy Act . As such:
The Company maintains a comprehensive BSA/AML Compliance Program;
Suspicious Activity Reports (SARs) will be filed as required by law;
Customer Identification Program (CIP) applies to all cardholders;
Transaction records are maintained for minimum five (5) years;
Cardholders consent to transaction monitoring and regulatory reporting.
B. PCI DSS Compliance:
All card processing systems comply with Payment Card Industry Data Security Standards (PCI DSS) to protect cardholder data .
C. Regulatory Reporting:
Card transactions exceeding $10,000 in aggregate daily value are reported as required;
International transactions are subject to OFAC screening and compliance;
Currency transaction reports (CTRs) filed as mandated by FinCEN regulations.
15.8 Card Suspension and Revocation
The Company may immediately suspend or revoke BlackCard privileges if:
Suspected fraudulent, unauthorized, or illegal use;
Violation of these Terms or the Cardholder Agreement;
Account default, chargeback abuse, or payment disputes;
Regulatory order or law enforcement request;
Risk management determination by the Company;
Failure to pay annual maintenance fees (Withdrawal Access Card).
Upon revocation: All card privileges cease immediately; any pending transactions may be declined; the card must be destroyed or returned upon request.
15.9 Dispute Resolution for Card Transactions
Cardholders must report disputed transactions within 60 days of the transaction date;
Provisional credit may be provided pending investigation;
Chargeback rights are limited for investment account funding transactions;
Final determination rests with the Company subject to regulatory requirements.
15.10 Card Program Modifications
The Company reserves the right to:
Modify card features, fees, or terms with 30 days' advance notice;
Discontinue card types with 90 days' notice and option for fee refund;
Introduce new card tiers or programs;
Change participating merchant networks or withdrawal channels.
BY CREATING AN ACCOUNT WITH AURUMCHAINTRUST, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS INCLUDE A WAIVER OF YOUR RIGHT TO A JURY TRIAL AND CLASS ACTION PROCEEDINGS IN CERTAIN CIRCUMSTANCES.
© 2026 AurumChainTrust. All Rights Reserved.
"Account" means the investment account opened by the Client with AurumChainTrust.
"Client," "You," or "Your" refers to any individual or entity that registers for and maintains an Account with AurumChainTrust.
"Company," "We," "Us," or "Our" refers to AurumChainTrust and its affiliates.
"Investment Package" refers to any active funded investment plan or trading account with deposited capital.
"Referral" refers to a new Client who registers using Your unique referral code and completes account verification.
"Welcome Bonus" refers to the $500 promotional credit awarded upon successful registration and verification.
"Active Referral" refers to a Referred Client who has deposited and maintains an active Investment Package.
"KYC" means Know Your Customer verification procedures.
"AML" means Anti-Money Laundering compliance procedures.
"Business Day" means Monday through Friday, excluding public holidays.
---
2. ELIGIBILITY AND ACCOUNT REGISTRATION
2.1 Eligibility Requirements
To open an Account with AurumChainTrust, You must:
- Be at least 18 years of age or the legal age of majority in Your jurisdiction;
- Have the legal capacity to enter into binding contracts;
- Not be a resident of any jurisdiction where our services are prohibited by law;
- Provide accurate, complete, and current information during registration;
- Pass all KYC and AML verification requirements.
2.2 Account Verification (KYC)
Before any withdrawals, transfers, or investment activities, You must complete verification by providing:
- Government-issued photo identification (passport, national ID, or driver's license);
- Proof of address (utility bill, bank statement, or official correspondence dated within 3 months);
- Proof of payment method ownership;
- Any additional documentation requested for regulatory compliance.
Failure to complete KYC will result in account restrictions, including suspension of withdrawals and trading privileges .
2.3 Account Security
You are responsible for maintaining the confidentiality of Your account credentials. Any activity occurring under Your account is Your responsibility. Immediately notify Us of any unauthorized access or security breach.
---
3. INVESTMENT SERVICES AND RISK DISCLOSURE
3.1 Nature of Services
AurumChainTrust provides investment management services in precious metals (gold, silver), commodities, and related derivative instruments. We offer portfolio management, trading execution, and advisory services.
3.2 Risk Acknowledgment
You acknowledge and agree that:
- All investments carry risk, including potential loss of capital;
- Precious metals and commodity markets are volatile and subject to price fluctuations;
- Past performance is not indicative of future results;
- Leveraged trading amplifies both gains and losses;
- You invest at Your own risk and should only invest funds You can afford to lose.
3.3 No Guarantee
We do not guarantee any specific return on investment. Any projections or historical performance data provided are illustrative only.
---
4. DEPOSITS AND WITHDRAWAL
4.1 Deposit Requirements
- Minimum deposit amounts are specified for each Investment Package;
- Deposits must originate from accounts or payment methods registered in Your name;
- Third-party deposits are strictly prohibited and will be returned minus processing fees;
- We reserve the right to reject deposits pending verification of source of funds under AML regulations .
4.2 Withdrawal Procedures
"Clients utilizing the Withdrawal Access Card for wire transfers or alternative channels must maintain active card membership in good standing. Standard withdrawal limitations apply to clients without active card privileges. See Section 15 for BlackCard Program terms."
- Withdrawal requests must be submitted through Your secure client portal;
- Withdrawals will be processed to the same payment method used for deposits where possible ;
- Processing time: 3-5 Business Days for standard withdrawals, subject to verification;
- We may require additional documentation for large withdrawals or AML compliance;
- Withdrawal fees may apply as disclosed in Our fee schedule.
4.3 Withdrawal Restrictions
Absence of required Withdrawal Access Card for requested withdrawal channel (see Section 15). Clients requesting wire withdrawals without an active Withdrawal Access Card will be required to either (a) purchase and activate the card, or (b) utilize standard ACH withdrawal methods subject to standard processing times and limits or depend on the provided channel by the platform.
We may suspend or delay withdrawals if:
- KYC/AML verification is incomplete or expired;
- There are open positions or pending orders using the funds;
- Bonus terms and conditions have not been met (see Section 6);
- There is suspicion of fraudulent activity or violation of these Terms;
- Regulatory authorities require withholding .
---
5. FEES AND CHARGES
5.1 Fee Structure
You agree to pay all applicable fees, including:
- Management fees (as per Your selected Investment Package);
- Performance fees on profitable trades;
- Withdrawal fees (where applicable);
- Currency conversion fees;
- Inactivity fees: Accounts inactive for 12 consecutive months incur a monthly maintenance fee of $50 .
5.2 Fee Changes
We reserve the right to modify fee structures with 30 days' advance notice. Continued use of services after fee changes constitutes acceptance.
---
6. WELCOME BONUS TERMS AND CONDITIONS
6.1 Bonus Eligibility
The $500 Welcome Bonus is available to:
- New Clients who complete registration and full KYC verification;
- Clients who have not previously held an Account with AurumChainTrust;
- Clients who register using a valid referral code (if applicable).
6.2 Bonus Crediting
The Welcome Bonus will be credited to Your Account within 24-48 hours of successful verification. The bonus appears as "Bonus Credit" separate from Your deposited funds.
6.3 Bonus Restrictions
Until the Release Conditions are met, the Welcome Bonus CANNOT be:
- Withdrawn to an external account;
- Transferred to another client or account;
- Used to purchase Investment Packages independently (it may supplement Your deposited funds only);
- Converted to cash or any other form of liquid asset.
6.4 Release Conditions
To unlock the Welcome Bonus for withdrawal, transfer, or investment package purchase, You must:
Complete at least 10 (ten) successful Referrals, of which:
- A minimum of 5 (five) Referrals must be "Active Referrals" (meaning each has deposited funds and maintains an active Investment Package);
- All Referrals must complete KYC verification;
- All Referrals must use Your unique referral code at registration;
- Active Referrals must maintain their Investment Package for a minimum of 30 days.
6.5 Verification of Referral
- We reserve the right to verify the authenticity of all Referrals;
- Self-referrals, duplicate accounts, or fraudulent referrals will disqualify the bonus and may result in account termination;
- Referrals must be genuine new clients with unique identity and contact information.
6.6 Bonus Expiration
- The Welcome Bonus expires 180 days from the date of crediting if Release Conditions are not met;
- Expired bonuses will be removed from the Account without notice;
- Any profits generated using the bonus may also be forfeited upon expiration.
6.7 Bonus Abuse
The following constitute bonus abuse and will result in immediate forfeiture of the bonus and potential account suspension:
- Creating multiple accounts to claim multiple bonuses;
- Using fake or stolen identities to create Referrals;
- Colluding with others to artificially meet Referral requirements;
- Any attempt to circumvent the Release Conditions through deceptive practices .
6.8 Changes to Bonus Terms
We reserve the right to modify, suspend, or terminate the Welcome Bonus program at any time with notice to affected Clients.
---
7. REFERRAL PROGRAM
7.1 Referral Rewards
Beyond the Welcome Bonus release, Active Referrals may qualify You for ongoing commission rewards as detailed in Our separate Referral Program Terms.
7.2 Prohibited Activities
You may not:
- Engage in spam or unsolicited marketing to promote Your referral code;
- Misrepresent AurumChainTrust or Our services to obtain Referrals;
- Use paid advertising that violates platform policies or misleads consumers;
- Guarantee returns or make promises We do not authorize .
---
8. PRIVACY AND DATA PROTECTION
8.1 Data Collection
We collect and process personal data in accordance with Our Privacy Policy and applicable data protection laws, including the SEC's amended Regulation S-P requirements for safeguarding customer information .
8.2 Security Measures
We implement technical and organizational measures to protect Your data, including incident response procedures for unauthorized access .
8.3 Information Sharing
We may disclose Your information to:
- Regulatory authorities as required by law;
- Service providers under strict confidentiality agreements;
- Law enforcement in cases of suspected fraud or illegal activity.
---
9. PROHIBITED ACTIVITIES
You agree NOT to:
- Use Our services for money laundering, terrorist financing, or other illegal activities;
- Manipulate markets or engage in fraudulent trading practices;
- Use automated systems (bots) without Our written authorization;
- Reverse engineer or attempt to access Our systems unlawfully;
- Publish false or misleading reviews or testimonials about Our services .
---
10. LIMITATION OF LIABILITY
10.1 No Liability for Losses
To the maximum extent permitted by law, AurumChainTrust shall not be liable for:
- Trading losses or investment performance;
- Technical failures, system outages, or data delays;
- Losses resulting from Your failure to comply with these Terms;
- Events beyond Our reasonable control (force majeure).
10.2 Indemnification
You agree to indemnify and hold harmless AurumChainTrust, its officers, directors, employees, and agents from any claims, damages, or expenses arising from Your use of Our services or violation of these Terms.
---
11. TERMINATION
11.1 Termination by You
You may close Your Account at any time by submitting a written request, subject to:
- Settlement of all pending transactions;
- Payment of all outstanding fees;
- Compliance with any lock-up periods in Your Investment Package;
- Forfeiture of any unreleased Welcome Bonus.
11.2 Termination by Us
Failure to maintain required BlackCard compliance, including repeated suspicious transaction patterns or violation of card usage policies.
We may suspend or terminate Your Account immediately if You:
- Violate these Terms or applicable laws;
- Engage in fraudulent or abusive behavior;
- Fail to respond to KYC/AML requests within 30 days;
- Provide false or misleading information.
11.3 Effect of Termination
Upon termination:
- All Welcome Bonus credits are forfeited;
- Referral program benefits cease;
- We will return Your deposited funds (minus fees and losses) within 30 Business Days, subject to regulatory holds.
---
12. GOVERNING LAW AND DISPUTE RESOLUTION
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.
12.2 Dispute Resolution
Any disputes shall first be addressed through Our internal complaint procedure. If unresolved, disputes shall be submitted to binding arbitration under the rules of [Arbitration Association], except where prohibited by law.
12.3 Class Action Waiver
You agree to resolve disputes on an individual basis and waive any right to participate in class actions or representative proceedings.
---
13. GENERAL PROVISIONS
13.1 Entire Agreement
These Terms constitute the entire agreement between You and AurumChainTrust regarding Your use of Our services.
13.2 Severability
If any provision is found unenforceable, the remainder of these Terms shall remain in full force.
13.3 Waiver
Our failure to enforce any right shall not constitute a waiver of that right.
13.4 Assignment
You may not assign these Terms without Our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
13.5 Notices
All notices shall be sent to the email address on file or through Your client portal.
13.6 Amendments
We may amend these Terms at any time. Material changes will be notified via email or platform announcement. Continued use constitutes acceptance of amended Terms.
14. CONTACT INFORMATION
AurumChainTrust
Email: compliance@aurumchaintrust.com
Support: support@aurumchaintrust.com
Website: www.aurumchaintrust.com
15. THE AURUMCHAINTRUST BLACKCARD PROGRAM
15.1 Program Overview
The AurumChainTrust BlackCard ("BlackCard") is an exclusive payment instrument issued to Elite Investors—clients who meet specific qualification criteria as determined by the Company. The BlackCard functions as a covered prepaid access device under applicable financial regulations, enabling direct account funding, purchases, and unlimited withdrawals subject to the terms herein .
15.2 BlackCard Types and Features
A. Elite Investor BlackCard (Direct Charge Card)
Issued to: Qualified Elite Investors meeting minimum portfolio thresholds (as defined in the Elite Investor Program);
Functionality: Allows direct charging/debiting of the cardholder's AurumChainTrust investment account for:
Account funding and deposits;
Purchase of additional Investment Packages;
Payment of fees, charges, or subscription costs;
Any other costs or purchases authorized by the Company;
Funding: Linked directly to the cardholder's available account balance or approved credit facility;
Usage: Unlimited transactions within available balance and regulatory limits.
B. Withdrawal Access Card (Wire & Alternative Channel Card)
Required for: Members who wish to execute withdrawals via:
Wire transfer (domestic and international);
Alternative withdrawal channels as identified or designated by the Company from time to time;
Any withdrawal method outside standard ACH/bank transfer processing;
Functionality: Enables unlimited withdrawal transactions once purchased and activated;
Activation: Requires one-time acquisition fee and compliance verification.
15.3 Card Acquisition and Eligibility
A. Elite Investor BlackCard Qualification:
Maintain a minimum account balance or investment portfolio value as specified in the Elite Investor Program (currently $50,000 USD equivalent);
Complete enhanced due diligence (EDD) verification;
Maintain account in good standing for minimum 90 days;
Satisfactory completion of AML/KYC screening without material concerns;
Acceptance of additional Elite Investor Terms and Conditions.
B. Withdrawal Access Card Acquisition:
Available for purchase by all verified account holders;
One-time acquisition fee: $299 USD (subject to change);
Annual maintenance fee: $149 USD;
Requires completion of supplemental identity verification;
Subject to BSA/AML compliance as a "covered" prepaid access arrangement .
15.4 Card Usage Terms
A. General Usage:
Cards remain the property of AurumChainTrust and must be returned upon request or account closure;
Cards are non-transferable and may only be used by the registered cardholder;
The Company reserves the right to decline any transaction at its sole discretion for security, compliance, or risk management purposes;
Cardholders must report lost, stolen, or compromised cards within 24 hours.
B. Transaction Limits:
Subject to daily, weekly, and monthly transaction limits as disclosed in the Cardholder Agreement;
Large transactions may require advance notification and additional verification;
International transactions subject to currency conversion fees and regulatory reporting.
C. Prohibited Uses:
Cards may not be used for:
Illegal activities, gambling, or sanctioned transactions;
Purchasing cryptocurrency from unauthorized sources;
Money laundering or structuring transactions to evade reporting;
Any activity violating applicable laws or Company policies.
15.5 Fees and Charges
Table
Fee Type Elite BlackCard Withdrawal Access Card
Acquisition Fee Waived $3500 USD
Annual Maintenance Waived $800 USD
Domestic Transaction No fee No fee
International Transaction 1.5% conversion 2.0% conversion
ATM Withdrawal (in-network) No fee $2.50 per transaction
ATM Withdrawal (out-of-network) $2.50 $5.00
Replacement Card $3500 $7500
Expedited Shipping $280 $410
Chargeback/Dispute Fee $25 $25
Fee Disclosure Compliance: All fees comply with Regulation E and prepaid account disclosure requirements under applicable consumer financial protection laws .
15.6 Withdrawal Privileges and Unlimited Access
A. Standard Withdrawal Limitations:
Clients without an active Withdrawal Access Card are subject to:
Standard withdrawal processing times (3-5 Business Days);
Monthly withdrawal limits as specified in their Investment Package terms;
Restricted withdrawal channels (bank transfer/ACH only).
B. Unlimited Withdrawal Privileges:
Withdrawal Access Cardholders enjoy:
Unlimited withdrawal frequency (subject to account balance availability);
Priority processing (same-day or next-business-day for requests submitted before cutoff times);
Access to wire transfer, SWIFT, and alternative channels;
Higher daily withdrawal thresholds;
Dedicated withdrawal support line.
C. Unlimited Withdrawal Conditions:
Unlimited status requires:
Active, paid-in-full Withdrawal Access Card membership;
Account in good standing with no compliance holds;
Completion of any required Source of Funds verification for large withdrawals;
Adherence to AML transaction monitoring protocols.
15.7 Compliance and Regulatory Obligations
A. BSA/AML Compliance:
The BlackCard program operates as a "covered" prepaid access arrangement under the Bank Secrecy Act . As such:
The Company maintains a comprehensive BSA/AML Compliance Program;
Suspicious Activity Reports (SARs) will be filed as required by law;
Customer Identification Program (CIP) applies to all cardholders;
Transaction records are maintained for minimum five (5) years;
Cardholders consent to transaction monitoring and regulatory reporting.
B. PCI DSS Compliance:
All card processing systems comply with Payment Card Industry Data Security Standards (PCI DSS) to protect cardholder data .
C. Regulatory Reporting:
Card transactions exceeding $10,000 in aggregate daily value are reported as required;
International transactions are subject to OFAC screening and compliance;
Currency transaction reports (CTRs) filed as mandated by FinCEN regulations.
15.8 Card Suspension and Revocation
The Company may immediately suspend or revoke BlackCard privileges if:
Suspected fraudulent, unauthorized, or illegal use;
Violation of these Terms or the Cardholder Agreement;
Account default, chargeback abuse, or payment disputes;
Regulatory order or law enforcement request;
Risk management determination by the Company;
Failure to pay annual maintenance fees (Withdrawal Access Card).
Upon revocation: All card privileges cease immediately; any pending transactions may be declined; the card must be destroyed or returned upon request.
15.9 Dispute Resolution for Card Transactions
Cardholders must report disputed transactions within 60 days of the transaction date;
Provisional credit may be provided pending investigation;
Chargeback rights are limited for investment account funding transactions;
Final determination rests with the Company subject to regulatory requirements.
15.10 Card Program Modifications
The Company reserves the right to:
Modify card features, fees, or terms with 30 days' advance notice;
Discontinue card types with 90 days' notice and option for fee refund;
Introduce new card tiers or programs;
Change participating merchant networks or withdrawal channels.
BY CREATING AN ACCOUNT WITH AURUMCHAINTRUST, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS INCLUDE A WAIVER OF YOUR RIGHT TO A JURY TRIAL AND CLASS ACTION PROCEEDINGS IN CERTAIN CIRCUMSTANCES.
© 2026 AurumChainTrust. All Rights Reserved.
Questions About Our Terms?
If you have any questions about these terms and conditions, please don't hesitate to contact us.