Welcome to AFD Reserve. These Terms and Conditions ("Terms") govern your use of our website, services, and accounts. By accessing or using AFD Reserve ("we," "our," "us") services, you agree to comply with these Terms. Please read them carefully. If you do not agree, please refrain from using our services.

1. Acceptance of Terms

By creating an account, you acknowledge and agree to be bound by these Terms. If you are registering on behalf of an organization, you represent that you have the authority to bind that entity to these Terms.

2. Eligibility

To open an account with AFD Reserve, you must:

• Be at least 18 years old.
• Provide accurate, complete information during registration and maintain the accuracy of your profile.
• Use your account in accordance with applicable laws and these Terms.

We reserve the right to terminate accounts if eligibility requirements are not met.

3. Account Registration and Security

• Account Creation: Users are required to provide valid personal information for identification and verification.
• Security: You agree to keep your account secure by maintaining confidentiality of your login details, enabling two-factor authentication (2FA), and promptly notifying us of any suspected unauthorized activity.
• Account Responsibility: You are responsible for all activities that occur under your account and are liable for any damages resulting from misuse.

4. Services Provided

AFD Reserve offers the following services, subject to the Terms outlined here:

• Savings Accounts: Our savings accounts allow you to deposit, save, and earn interest on your funds, per the rate and policies at the time of deposit.
• Investment Options: We provide a range of investment products to help grow your wealth. Investment returns are not guaranteed and may vary.
• Account Top-Up: Users can top up accounts via bank transfer, debit/credit card (automatic), or cryptocurrency (manual), subject to processing times and transaction fees.

5. Deposits and Withdrawals

• Deposits: AFD Reserve accepts deposits via multiple methods, with standard processing times applying to each.
• Withdrawals: Users can withdraw funds, subject to account type, balance requirements, and any fees specified at the time of the transaction.
• Fees: All deposits, withdrawals, and account management activities may include fees, which are outlined in our Fee Schedule and may be updated periodically.

6. Investment Risk and Disclaimer

Investments inherently involve risk, including the potential loss of capital. By using AFD Reserve’s investment services, you acknowledge:

• Risk of Loss: Investment returns are not guaranteed, and past performance does not indicate future results.
• User Responsibility: You bear sole responsibility for any investment decisions made using our services. AFD Reserve is not liable for any financial losses resulting from your investments.

We advise you to consult a financial advisor if you are uncertain about any investment.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy outlines how we collect, use, and protect your data. By using our services, you consent to data practices as detailed in our Privacy Policy.

8. Compliance with Anti-Money Laundering (AML) Laws

AFD Reserve complies with all relevant AML laws. By using our services, you agree to provide any information or documentation we require to comply with these laws. Suspicious activities will be reported to the relevant authorities, and we may place holds on accounts if suspicious activity is detected.

9. Prohibited Activities

You agree not to engage in or attempt any activity that:

• Violates applicable laws and regulations.
• Compromises the security or integrity of AFD Reserve’s systems.
• Constitutes fraud, money laundering, or terrorism financing.
• Involves submitting false or misleading information.

Violations may result in account suspension, legal action, and forfeiture of funds.

10. Intellectual Property Rights

AFD Reserve owns all rights to the content, trademarks, logos, and any other intellectual property displayed on our website and services. You may not use, copy, distribute, or reproduce any of AFD Reserve’s intellectual property without written permission.

11. Limitation of Liability

AFD Reserve and its affiliates, officers, directors, employees, or agents are not liable for any:

• Indirect, incidental, punitive, or consequential damages arising from the use of our services.
• Losses or damages resulting from system errors, unauthorized access, or technical issues.

Our liability is limited to the maximum extent permitted by law.

12. Modification of Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated effective date. It is your responsibility to review these Terms regularly. Continued use of AFD Reserve services after updates constitutes acceptance of the new Terms.

13. Account Suspension and Termination

AFD Reserve may suspend or terminate your account without notice if:

• You violate these Terms.
• Suspicious activity is detected.
• Required documentation is not provided for compliance purposes.

Suspension or termination of accounts may include forfeiture of funds as required by law.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United Kingdom. In case of any dispute:

• Arbitration: Disputes will first be attempted to be resolved through binding arbitration.
• Jurisdiction: If arbitration fails, disputes will be resolved in the courts of the United Kingdom.

15. Contact Us

For questions or concerns regarding these Terms, please contact us at:

AFD Reserve
Email: support@afdreserve.com
Phone: +44 746 060 9423