STOCKITY CLIENT AGREEMENT

This Client Agreement (“Agreement”) governs the relationship between Verte Securities Limited, a legal entity incorporated under the laws of the Republic of Vanuatu (registration number 700726), with its registered address at Level 1, iCount House, Kumul Highway, Port Vila, Vanuatu (the “Company”), and an individual user (the “Client”). The Company provides the Client with access to the stockity.com website (“Website”) and the Stockity mobile software (“Mobile Application”) for the purpose of carrying out trading operations involving financial instruments made available on the Website. Unless expressly stated otherwise, all services offered through the Website are equally accessible via the Mobile Application.

The official place where services are rendered is the Republic of Vanuatu.

By completing registration on the Website, the Client confirms their agreement with the terms of this Agreement and with the Privacy Policy located on the Website, which forms an integral part of this document. Acceptance indicates full and unconditional consent.

I. DEFINITIONS

1.1. “Account Balance” refers to the total funds in the Client’s Account, excluding the value of any Open Trades. It represents the Company’s financial obligation to the Client at a given moment unless otherwise specified.

1.2. “Asset” includes currency pairs, commodities, shares, and stock indices that can be traded through the financial instruments available on the Website.

1.3. “Benefit” means any item the Client may acquire or exchange for Stockens within the Market.

1.4. “Bonus” refers to additional funds added to the Client’s Account to expand their trading capabilities. Bonuses do not represent financial obligations of the Company.

1.5. “Client’s Personal Account” means a restricted area of the Website where the Client can access Company services after authentication.

1.6. “Client’s Real Account” (also “Account” or “Client Account”) refers to an account on the Trading Platform where Non-trading Transactions, Open and Closed Trades, and other Company obligations are reflected in real time. Account currencies include USD and EUR.

1.7. “Closed Trade” refers to a Trade that has expired or has been manually closed by the Client.

1.8. “Company Server” (“Server”) refers to the technological infrastructure used to process trading orders and provide live quotes.

1.9. “Copy Trading” is a feature within the Personal Account that allows Clients to replicate other traders’ activity. Usage of this feature requires acceptance of the Copy Trading Agreement, which becomes part of this Agreement.

1.10. “Demo Account” refers to a simulated trading account. Its funds do not represent financial obligations of the Company.

1.11. “Deposit” means funds credited by the Client to their Account.

1.12. “Expiration” is the exact moment a Trade closes at its predetermined end time.

1.13. “Log File” refers to data logs containing information about Server performance and Client interactions.

1.14. “Market” is a section of the Personal Account where Clients may spend their Stockens.

1.15. “Multiplier” is the coefficient applied to a CFD Trade that determines the ratio between Trade Value and invested amount. It cannot exceed 10.

1.16. “Non-trading Transactions” include operations such as Deposits and Withdrawals that do not relate to Trading Transactions.

1.17. “Open Trade” means a Trade that is still active and has not closed.

1.18. “Payment System Provider” refers to an entity offering digital payment solutions.

1.19. “Risk-free Trade” refers to a Trade fully funded by the Company. Any profits belong to the Client, while losses do not generate liability for the Company.

1.20. “Stocken Balance” indicates the number of Stockens available to the Client.

1.21. “Stockens (STN)” are non-transferable units that may be exchanged for Benefits. They cannot be sold, inherited, or converted into cash and are not securities or currency.

1.22. “Trade” refers to a pair of opposing Trading Transactions with the same identifier.

1.23. “Trading Activity” includes Deposits, Withdrawals, Trading Transactions, Tournament purchases, and activation of Bonuses.

1.24. “Trading Mechanics” refers to derivative tools based on Assets that do not involve ownership of the Asset. Two mechanics exist: FTT and CFD.

1.25. “Trading Order” refers to the Client’s instruction to execute a Trading Transaction.

1.26. “Trading Platform” refers to the software through which Clients view Quotes, place Orders, and manage their trading.

1.27. “Trading Transaction” refers to a cash-settled over-the-counter transaction between the Client and Company.

1.28. “Trading Turnover” refers to the sum of all Client investments in Trades since the most recent Deposit.

1.29. “Trade Value” equals the investment amount multiplied by the Multiplier.

1.30. “Tournament” refers to a time-limited contest offering a prize pool.

1.31. “Quote” refers to the numerical value of an Asset at a specific moment.

1.32. “Withdrawal” refers to transferring funds from the Client’s Account to an external account.

II. REGISTRATION AND VERIFICATION

2.1. Registration is required before accessing services. The Client must provide an email address, choose a password, select an account currency, and agree to this Agreement.

2.2. Registration confirms that the Client is an adult capable under law and has read and accepted all terms.

2.3. To comply with regulations and ensure security, the Company verifies Client identity. The Client may be asked to provide a photo of a passport, ID card, or driver’s license. Additional documents such as utility bills or bank statements may be requested.

2.4. Verification is typically completed within 20 minutes but may require up to 7 days.

2.5. If the Client refuses requested documentation without justification, the Company may suspend or block the Account. Deposited funds may be returned only to the payment details used during registration or held until verification.

2.6. The Company may require a video verification session with 24-hour prior notice.

2.7. By registering, the Client agrees to receive communications, including marketing materials. The Client may unsubscribe through the Personal Account or Customer Support but will still receive transactional notices.

2.8. Each Client may hold only one Account. Detection of multiple Accounts may lead to annulment of Trades and blocking of Accounts. Deposits may be refunded (excluding profits).

2.9. If no Trading Activity occurs for 90 days, a service fee of $30/€30 per month is charged.

2.10. If inactivity continues for 6 months, the Company may debit the full Account Balance.

2.11. To restore access, the Client must contact Support.

III. FTT TRADING

3.1. To initiate a Trade, the Client selects an Asset, investment size, direction, and expiration time.

3.2. The Trade closes automatically when its expiration time arrives.

3.3. A Trade is profitable if the final Quote moves in the Client’s chosen direction. Profitability depends on investment, Asset, and timing.

3.4. Profit = investment amount × percentage profitability.

IV. CFD TRADING

4.1. The Client selects Asset, investment amount, Multiplier, and direction.

4.2. CFD Trades may close automatically if losses reach 95% of invested funds or after 15 days. If closed during unavailable trading hours, closure occurs once trading resumes.

4.3. Profit is determined by whether the Quote moves in the chosen direction.

4.4. Profit/Loss = Investment × Multiplier × (Closing Quote / Opening Quote − 1).

4.5. Upon opening a Trade, a Demo Account commission of 0.02% of Trade Value applies.

4.6. Clients may maintain up to 15 open CFD Trades.

4.7. Maximum loss cannot exceed 100% of the investment.

4.8. CFD Trading is available Monday 07:00 UTC to Friday 21:00 UTC, excluding holidays.

4.9. CFD Trading is available only on Demo Accounts.

V. TRADING TRANSACTIONS

5.1. Quotes

5.1.1. The Company Server is the only authoritative source for Quotes. Displayed Quotes may differ due to connection quality. The Company does not guarantee execution at the displayed price.

5.1.2. Quotes are calculated as (bid + ask) / 2.

5.1.3. If a Trade executes on a non-market Quote, the Company may correct or annul the result.

5.2. Order Processing

5.2.1. The Client submits a Trading Order.

5.2.2. The Order is transmitted to the Server for verification.

5.2.3. Once processed, the Server sends the outcome to the Platform.

5.3. Processing typically takes 0–4 seconds but may increase during volatile market conditions.

5.4. Opening Trades

5.4.1. Minimum investment is $1/€1; maximum is $5,000/€5,000.

5.4.2. Orders may be rejected if placed before the first Quote or if insufficient funds exist.

5.4.3. Abnormal market conditions may cause rejection.

5.4.4. A Trade is considered open once logged in the system.

5.5. Closing Trades

5.5.1. A Trade closes based on the Asset Quote available on the Server at the exact moment of closure.

5.5.2. A Trade is deemed officially closed once the closure entry appears in the Log File.

5.6. If the Client uses Copy Trading and any inconsistency arises between the Copy Trading Agreement and this Section 5, the terms of the Copy Trading Agreement take priority.

5.7. The Company may impose limitations on how many Trades a Client can execute within specific timeframes (per minute, per hour, or per day).

5.8. The Company retains the authority to modify profitability rates, adjust minimum or maximum investment thresholds, and alter Expiration conditions for any selected Asset(s).

5.9. System malfunctions, unstable internet connections, power failures, interruptions on exchanges, operational faults, unauthorized access attempts, unlawful interference with the Company’s equipment and/or Server, force majeure circumstances, or suspension of trading on financial markets affecting relevant Assets may render Trades placed during such events invalid.

VI. NON-TRADING TRANSACTIONS

6.1. Valid methods for Deposits and Withdrawals are listed on the Company’s Website. The Client accepts all risks associated with using payment systems, including fees or currency conversion costs. Depending on jurisdiction, payment type, or method, the Company may apply certain deposit or withdrawal charges:

India: 10% fee for all withdrawal requests exceeding 1 request within a 24-hour period.
Indonesia: 5% fee for all withdrawal requests exceeding 1 request within a 24-hour period.
Ukraine: 2% fee for all withdrawal requests exceeding 1 request within a 24-hour period.
Vietnam: 10% fee for all withdrawal requests exceeding 1 request within a 24-hour period.

The Company is not responsible for delays or failures caused by payment providers. Any claims related to payment systems should be submitted to their support services, with the Company informed as needed.

6.2. Deposits must be initiated through the internal interface on the Website. The minimum Deposit is $10/€10 or an equivalent amount, with potential reductions at the Company’s discretion for certain regions or promotional events. The current minimum appears in the Cashier section of the Client’s Account.

6.3. Deposits made using third-party payment details are strictly forbidden. Any fraudulent financial activity allows the Company to reverse such transactions and block the Client’s Account.

6.4. Withdrawal requests must be submitted via the Website interface. The minimum Withdrawal is $10/€10 or the equivalent, subject to reductions at the Company’s discretion.

6.5. Funds are deducted from the Client’s balance only when the payment has actually been executed. Withdrawals cannot be reversed.

6.6. The Client is fully responsible for ensuring accuracy of all details provided in Withdrawal requests.

6.7. Withdrawal processing occurs within 3 business days from submission. Delivery time depends on the payment system and its provider.

6.8. Withdrawal limits are:

$3,000/€3,000 daily
$10,000/€10,000 weekly
$40,000/€40,000 monthly

These limits may vary based on withdrawal method. Exact limits can be requested from Support.

6.9. For security reasons, the Company may extend the withdrawal processing time by up to 10 business days, with prior notice.

6.10. Withdrawals must be sent through the same payment method and account used for the Deposit. If impossible, alternative verified methods may be permitted. Supporting evidence may be required.

6.11. In accordance with AML procedures, the Company may request proof of account ownership (including notarized and, if necessary, apostilled/legalized documents). These must be submitted within 14 calendar days. The Company will review them within 30 days. Non-compliance may result in withdrawal denial.

6.12. The Company may reject a withdrawal request if the Client’s Account is evidently used for exchanging funds between payment systems.

6.13. If the Client withdraws funds before generating Trading Turnover exceeding twice the Deposit amount, a fee of 10% of the Account Balance or the last Deposit (whichever is higher) applies.

6.14. The Company assumes no responsibility for third-party intermediaries involved in Deposits or Withdrawals.

6.15. The Company’s financial responsibility for Deposits begins once funds have been received in the Company’s bank or payment system accounts.

6.16. The Company’s financial responsibility for Withdrawals ends once funds have been transferred out of the Company’s bank or payment system accounts.

6.17. In case of technical errors during financial operations, the Company may invalidate affected transactions and related service outcomes. Upon confirming the error and having access to the respective funds, the Company will return incorrectly debited amounts to the Client’s Account.

6.18. The Company may limit Withdrawals to the total Deposits made by the Client within the preceding 30 days.

6.19. If the Company suspects fraudulent or manipulative actions by the Client, it may immediately block the Account for up to 10 business days without notice. After investigation, the Company may permanently block the Account and deduct any losses or illicit profits.

6.20. Refund Policy

6.20.1. All refunds are carried out via Non-trading Transactions outlined in Section VI.

6.20.2. For Deposits made via bank card, the Client may request a refund via email. Refunds are granted only if the Account balance covers the amount. If a Bonus is active, it is automatically canceled.

6.20.3. The Company may process refunds without prior notification if the transaction shows signs of fraud.

VII. BONUSES, TOURNAMENTS, AND PROMOTIONS

7.1. Bonuses are added to the Client’s Account in accordance with Company-authorized promotional or bonus programs. Bonuses do not represent a financial obligation of the Company.

7.2. Bonus size depends on the specific promotion and/or Deposit amount.

7.3. Once a Bonus is activated, funds in the Account become withdrawable without cancelling the Bonus only after the Mandatory Trading Turnover is completed. Turnover = Bonus amount × leverage factor (40 unless otherwise specified; 35 for smaller deposit Bonuses). Zero-result FTT Trades are excluded from the calculation.

7.4. Unless otherwise stated, each promotion provides the Client with a Bonus only once.

7.5. Profits earned through trading with Bonuses may be subject to Withdrawal restrictions.

7.6. Non-deposit Bonuses must be activated within 3 days of being credited.

7.7. Clients may cancel a Bonus at any time via their Account, provided no Open Trades or pending Withdrawals exist. The available Withdrawal amount is calculated proportionally between own funds and total balance (own funds + Bonus).

7.8. Bonuses may be removed when the promotion expires.

7.9. Only one active Bonus is allowed per Account.

7.10. If the Account Balance falls below the minimum Trade amount, the Bonus is forfeited.

7.11. Tournament participation operates through a special virtual tournament account with equal starting balance for all. Winners are those with the highest resulting balance.

7.12. Clients may join all available promotions but must check all conditions beforehand.

7.13. Tournament prize money is credited to the Real Account unless stated otherwise.

7.14. Suspicious activity during promotions or tournaments may result in disqualification. Confirmed fraud leads to cancellation of results.

7.15. Additional rewards may be issued under specific programs.

VIII. MARKET

8.1. Each Benefit in the Market has a value in Account currency and in Stockens, determined solely by the Company.

8.2. Full descriptions and terms of Benefits are available in the Market section.

8.3. The Company may revise values, modify or remove Benefits, or discontinue Market access at any moment.

8.4. Benefits may be purchased using Real Account funds or exchanged for Stockens.

8.5. Benefits are provided once payment or exchange is completed.

8.6. All Benefit fees are non-refundable.

8.7. Benefits are for personal use only and cannot be transferred.

8.8. Market materials do not represent investment or trading advice; all decisions remain the Client’s responsibility.

8.9. Any Agreement violations may lead to restricted Market access.

IX. STOCKENS

9.1. Each Client may have only one Stocken Balance. Detection of multiple linked accounts may result in cancellation of all but one designated balance.

9.2. Suspected fraudulent behavior may result in Stocken Balance annulment.

9.3. In case of the Client’s death or legal incapacity, the Stocken Balance is canceled.

9.4. Stockens are granted for each Trade (excluding zero-result Trades), proportional to its amount. The value of 1 Stocken is shown in the Client’s Account.

9.5. Stockens are credited after Trade closure.

9.6. Trades invalidated under clause 5.1.3 cancel associated Stockens.

9.7. Stockens may be exchanged for Benefits. If the exchange is reversed, Stockens return to the balance.

9.8. Stockens expire 90 days after first crediting (if no exchanges occur) or after the last exchange (if balance is non-zero).

X. CLIENT RISKS

10.1. The Client understands that:

trading financial instruments involves significant risk;
OTC Trading Transactions are riskier than exchange-based ones;
Company recommendations are not trade offers;
technical issues, poor internet, or power outages may lead to losses;
market volatility can cause execution delays or different Quotes, resulting in losses.

10.2. The Client is responsible for complying with legal restrictions in their jurisdiction.

10.3. The Company does not guarantee profit or protection from losses.

XI. GUARANTEES, LIABILITY & FORCE MAJEURE

11.1. The Company is not a financial or credit institution, does not accept funds for interest-bearing investments, and does not perform banking operations of any kind.

11.2. The Company does not render its services within, or to citizens and/or residents of, the following jurisdictions (territories): North Korea, Canada, USA, Australia, Austria, Belgium, Brazil, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Germany, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Norway, Iceland, Liechtenstein, Sweden, United Kingdom, Andorra, Vatican, Monaco, Marshall Islands, San Marino, Cyprus, Switzerland, Israel, Syria, Singapore, Hong Kong, New Zealand, Iran, Saint Vincent and the Grenadines, Moldova, Japan, Russia, Belarus, Afghanistan, Iraq, Libya, Palestine, South Sudan, Albania, Haiti, Jamaica, Mali, Myanmar, Nicaragua, Senegal, Zimbabwe, Cuba, United Arab Emirates, or any territories where such services are prohibited by law or restricted under the Company’s internal policy.

11.3. The Client confirms that all trading activity within their Account is carried out on their own behalf, for their own benefit, and that they are not a citizen or resident of any restricted jurisdiction.

11.4. Submission of inaccurate, falsified, or invalid documents during verification may result in service refusal, withholding of funds equal to the Company’s actual damages, denial of profit withdrawal, and/or refusal to allow re-registration.

11.5. The Client assures that all deposited funds originate from legal sources and were not obtained through unlawful activity. The Client also undertakes not to use the Website for money laundering or any illegal purposes. Should there be suspicion of illicit activity, the Company may freeze or terminate the Client’s Account, withhold funds, and provide information to competent authorities. Legitimately sourced funds will be returned unless prohibited by applicable laws.

11.6. The Client agrees to supply documents and cooperate fully to ensure compliance with AML regulations.

11.7. Any actions by the Client, or by third parties with the Client’s involvement, that may disrupt, destabilize, or otherwise negatively impact the Company’s systems or operations may lead to Account suspension, refusal of service, withholding of funds equal to actual Company losses, denial of profit withdrawals, and/or refusal of re-registration.

11.8. The Client is solely responsible for keeping login credentials secure and must immediately inform the Company if unauthorized access to the Account or credentials is suspected. The Company is not responsible for losses resulting from such unauthorized access, except for restoring Account access after successful identity verification.

11.9. The Company bears no responsibility for actions or failures of the Client while using the Trading Platform, including losses resulting from Trading Transactions.

11.10. The Company is not responsible for losses or failures caused by hacker attacks, technical issues affecting either Party, or communication outages that fall outside the Company’s control.

11.11. The Company shall not be liable for any Client losses arising from force majeure circumstances, including but not limited to natural disasters, technological failures, terrorist actions, armed conflicts, uprisings, strikes, civil unrest, regulatory restrictions impacting the Agreement, changes in currency or market rules, or suspension of exchange operations.

11.12. Any Client profits obtained through use of trading bots, artificial intelligence tools, specialized software, or the exploitation of vulnerabilities in exchange systems or Company Server—unless expressly authorized by the Company—shall not be considered a financial obligation of the Company and will not be paid.

11.13. If the Client breaches the Agreement, the Company may terminate the Agreement unilaterally and without prior notice. In such cases, the Company may transfer remaining Account funds using the Client’s registered payment details, deducting actual damages and any profits gained through violations. The Company may also refuse to permit re-registration.

XII. DISPUTE RESOLUTION

12.1. The Client must first submit any dispute to the Company Support using the contact details described in section XVIII herein. If the response is unsatisfactory or if the Support Team lacks authority to resolve the issue, the Client may escalate the complaint to the Dispute Resolution Department through Support or by emailing [email protected]

12.2. Complaints must include the Client’s full name, email, date and details of the disputed operations, a clear description of the issue, and supporting materials if available. Complete information ensures faster processing. Complaints that fail to meet the requirements of clauses 12.1 and 12.2 may be declined.

12.3. Any complaint containing offensive language, unfounded accusations, threats, or inappropriate statements directed at the Company or its employees may be rejected. The Company may also report such behavior to relevant authorities.

12.4. The Dispute Resolution Department will acknowledge receipt of a complaint within 2 business days and provide preliminary findings along with an estimated timeline for final review.

12.5. A formal response outlining the resolution and recommendations will be provided within 10 business days from the date the complaint is received. If additional information is required, the Company may extend this period by up to 10 extra business days and will notify the Client accordingly.

12.6. Claims seeking compensation for lost profits or moral damages will not be considered.

12.7. If the Client does not contest the Company’s response within 5 business days from the date the response was sent, the dispute is deemed resolved.

XIII. CONTACTS

13.1. The Client may contact the Company via:

(i) the Company Support email: [email protected];

(ii) the online chat available on the Website.

13.2. Client contact details consist of the registered email and, optionally, a phone number provided in the Personal Account.

13.3. The Company is not responsible for incorrect contact details provided during registration

XIV. TAXES

The Company is not a tax intermediary and does not report Client transaction data unless required by an official request from competent authorities.

XV. VALIDITY AND TERMINATION. AMENDMENT

15.1. This Agreement becomes effective when the Client registers on the Website. All rights and obligations remain in force until the Agreement is terminated.

15.2. Termination may occur:

(i) at the initiative of either Party;

(ii) upon the Client’s death or incapacity;

(iii) upon the Company’s liquidation.

15.3. Upon termination, the Company shall fulfill all obligations to the Client in accordance with this Agreement.

15.4. The Client may terminate the Agreement at any moment without providing reasons. To terminate, the Client must block their Account through the Personal Account or Company Support after withdrawing funds. Remaining funds may be returned via the registration payment details.

15.5. If the Client requests Account unblocking, the Agreement resumes under the current version.

15.6. The Company may terminate the Agreement unilaterally and without explanation at any time.

15.7. If the Company ceases operations, Clients must be notified at least 1 calendar month in advance, and all funds on Client Accounts will be paid out in full.

15.8. The Company may amend the Agreement at any time. Unless stated otherwise, amendments take effect once published on the Website. The Client must stay informed about updates.

15.9. If the Client disagrees with amendments, they must stop using the services and block their Account via the Personal Account or Support after withdrawing funds.

XVI. FINAL PROVISIONS

16.1. The Client may not transfer rights or obligations under the Agreement to third parties.

16.2. In case of inconsistencies, the English version shall prevail over translations.

16.3. The Agreement is governed by the laws of the Republic of Vanuatu, and any disputes shall be resolved by the competent court of the Republic of Vanuatu.