Terms of Business

1. INTRODUCTION

1.1 These Client Terms and Conditions (“Terms”) govern the contractual relationship between My Maa Markets Ltd (“My Maa Markets”, “Company”, “we”, “us” or “our”) and the person or legal entity applying for, opening or maintaining an Account with the Company (“Client”, “you” or “your”).

1.2 The Company is incorporated in Saint Lucia as an International Business Company under the International Business Companies Act, Cap 12.14, registered under number 2026-00114.

1.3 These Terms apply to all Services provided by the Company to the Client unless expressly agreed otherwise in writing.

1.4 By completing the Account opening process, electronically accepting these Terms, accessing the Client Portal, placing an Order, maintaining an Account or otherwise using the Company's Services, the Client confirms that the Client has read, understood and accepted these Terms.

1.5 The Client's electronic acceptance shall constitute valid acceptance of these Terms to the extent permitted by Applicable Law.

1.6 These Terms should be read together with the Company's Risk Disclosure Statement, Order Execution Policy, Privacy Policy, Client Money Policy, Complaints Handling Procedure, Product Specifications, Trading Conditions, Fee Schedule and any other documents expressly incorporated into the Client's relationship with the Company.

2. DEFINITIONS AND INTERPRETATION

2.1 Definitions

For the purposes of these Terms:

“Account” means any trading, client, payment or other account maintained by the Company for the Client.

“Applicable Law” means all applicable laws, regulations, rules, directives, regulatory requirements, licence conditions, orders and requirements applicable to the Company, the Client, the Services or the relevant transaction.

“Balance” means the amount recorded in the Account after taking into account deposits, withdrawals, realised profits and losses, commissions, fees, financing charges and other applicable adjustments.

“Business Day” means a day on which the Company is open for business.

“CFD” means a contract for difference or other leveraged derivative contract offered by the Company.

“Client Money” means money received from or held for the Client in connection with the Services to the extent required to be treated as client money under Applicable Law.

“Company” means My Maa Markets Ltd.

“Equity” means the Account Balance plus or minus unrealised profit or loss and any other applicable adjustments.

“Financial Instrument” means any financial instrument or derivative product offered by the Company, including foreign exchange, CFDs, metals, commodities, indices, shares, cryptocurrencies or other products made available by the Company.

“Free Margin” means the portion of Equity available to support new Positions or absorb losses.

“Leverage” means the ratio between the notional value of a Position and the Margin required to maintain that Position.

“Margin” means the amount required to open or maintain a Position.

“Margin Call” means a notification or other action by the Company indicating that additional Margin may be required.

“Open Position” means a Transaction that has not been closed.

“Order” means an instruction to open, modify or close a Transaction or Position.

“Platform” means the electronic trading platform, Client Portal, API or other trading technology made available by the Company.

“Position” means an Open Position in a Financial Instrument.

“Quote” means a bid or ask price displayed or otherwise made available through the Company's trading infrastructure.

“Services” means the execution, dealing, account, payment and related services provided by the Company.

“Transaction” means any transaction entered into between the Company and the Client relating to a Financial Instrument.

2.2 Headings are for convenience only and shall not affect interpretation.

2.3 References to the singular include the plural and vice versa.

2.4 References to any law or regulation include amendments, replacements and successor legislation.

3. REGULATORY STATUS

3.1 My Maa Markets Ltd is incorporated in Saint Lucia as an International Business Company under the International Business Companies Act, Cap 12.14, registered under number 2026-00114. The Client is onboarded by, and enters into a contractual relationship with, this entity.

3.2 Certain operational functions supporting the Services, including payment processing and liquidity provision, are provided to the group by My Maa Markets Ltd (Mauritius), Company No. 210279 GBC, which holds Global Business Licence No. GB24203320 issued by the Financial Services Commission of Mauritius. This affiliate provides payment and liquidity services to the group and is not the entity with which the Client contracts for the provision of trading Services.

3.3 The Company shall provide Services within the scope of its applicable authorisations, licence conditions and Applicable Law.

3.4 The Company may use affiliated entities, liquidity providers, banks, payment service providers, technology providers, introducing partners, execution counterparties and other service providers in connection with the provision of the Services.

3.5 The Client acknowledges that different services or operational functions may involve different entities or service providers where permitted by Applicable Law.

3.6 The Company may refuse to provide Services to persons located in jurisdictions where the provision of such Services is prohibited or restricted.

4. CONTRACTUAL DOCUMENTS

4.1 The Client's relationship with the Company may be governed by:

• these Terms;
• the Account application;
• the Risk Disclosure Statement;
• the Order Execution Policy;
• the Client Money Policy;
• the Conflicts of Interest Policy;
• the Privacy Policy;
• the Complaints Handling Procedure;
• Product Specifications;
• Trading Conditions;
• applicable Fee and Commission Schedules;
• promotional or bonus terms; and
• other terms expressly notified to or accepted by the Client.

4.2 All such documents form part of the contractual relationship between the Company and the Client.

4.3 Where a product-specific term conflicts with these Terms, the product-specific term shall apply to the extent of the conflict.

4.4 Where a provision conflicts with a mandatory requirement of Applicable Law, the mandatory requirement shall prevail.

5. ACCOUNT OPENING AND ONBOARDING

5.1 The Company may conduct all checks it considers reasonably necessary before approving an Account.

5.2 The Client shall provide accurate, complete and current information and documentation.

5.3 The Company may require information relating to:

• identity;
• residential or registered address;
• nationality or jurisdiction of incorporation;
• beneficial ownership;
• source of funds;
• source of wealth;
• financial circumstances;
• trading experience;
• investment objectives;
• tax status;
• sanctions status; and
• any other information required for regulatory, compliance, risk or operational purposes.

5.4 The Client shall immediately notify the Company of any material change to information previously provided.

5.5 The Company may refuse an Account application without providing reasons where permitted by Applicable Law.

5.6 The Company may suspend or restrict an Account where required information is not provided or cannot be satisfactorily verified.

6. CLIENT REPRESENTATIONS

The Client represents and warrants that:

• the Client has full legal capacity to enter into these Terms;
• all information provided to the Company is true, accurate and complete;
• all funds deposited originate from lawful sources;
• the Client is not using the Account for unlawful purposes;
• the Client understands the risks of leveraged Financial Instruments;
• the Client is responsible for its own trading decisions;
• the Client shall comply with Applicable Law;
• the Client shall maintain the confidentiality of Account credentials; and
• the Client shall not engage in fraudulent, manipulative, abusive or prohibited activity.

7. CLIENT CLASSIFICATION

7.1 The Company may classify Clients according to Applicable Law and its internal policies.

7.2 Different Client classifications may be subject to different levels of regulatory protection, leverage, Margin requirements, products and trading conditions.

7.3 The Company may request additional information to determine or confirm Client classification.

7.4 The Company may change Client classification where permitted or required by Applicable Law.

8. EXECUTION-ONLY SERVICES

8.1 Unless expressly agreed otherwise, the Company provides execution and dealing Services on an execution-only basis.

8.2 The Company does not provide personal investment advice, discretionary portfolio management or personalised trading recommendations unless separately agreed and legally permitted.

8.3 Market commentary, research, educational content, trading signals and general information do not constitute personal investment advice.

8.4 The Client is solely responsible for deciding whether a Financial Instrument or Transaction is appropriate.

9. FINANCIAL INSTRUMENTS AND TRADING CONDITIONS

9.1 The Company may make Financial Instruments available at its discretion.

9.2 The Company may establish or modify:

• minimum and maximum trade volumes;
• volume steps;
• leverage;
• Margin requirements;
• maximum exposure;
• maximum number of Positions;
• trading hours;
• spreads;
• commissions;
• financing charges;
• order limits; and
• other product specifications.

9.3 Trading conditions may vary according to market conditions, liquidity, Account type, Client classification, risk considerations and Applicable Law.

9.4 The Company may suspend or restrict trading in any Financial Instrument where reasonably necessary.

10. ORDERS

10.1 Orders may be submitted through approved trading channels.

10.2 The Company may rely on Orders submitted using the Client's authorised credentials.

10.3 The Client is responsible for checking all Order details before submission.

10.4 The Company may reject an Order where:

• sufficient Margin is unavailable;
• applicable trading limits are exceeded;
• the Financial Instrument is unavailable;
• liquidity is insufficient;
• market conditions prevent execution;
• the Order is inconsistent with Applicable Law;
• the Order is affected by a technical or pricing issue;
• the Order appears connected to prohibited activity;
• the Platform is unavailable; or
• rejection is reasonably necessary for risk, compliance, operational or security purposes.

10.5 The Company does not guarantee that every Order will be accepted or executed.

11. ORDER EXECUTION

11.1 Orders shall be executed in accordance with the Company's Order Execution Policy and Applicable Law.

11.2 The execution price may differ from the Quote displayed when an Order is submitted.

11.3 Slippage may occur as a result of:

• market volatility;
• liquidity conditions;
• market gaps;
• economic announcements;
• execution latency;
• changes in underlying market prices;
• liquidity-provider conditions;
• technology or communication delays; or
• other market conditions.

11.4 Slippage may be positive or negative.

11.5 The Company does not guarantee execution at the displayed price unless expressly stated otherwise.

11.6 Stop Loss, Take Profit and other conditional Orders may be executed at prices different from the specified trigger price where permitted by the relevant trading conditions.

12. PRICING, QUOTES AND MANIFEST ERRORS

12.1 Quotes may be sourced from liquidity providers, market counterparties, exchanges, data providers or other pricing sources.

12.2 The Company may correct, cancel or adjust Transactions affected by an obvious, manifest or technical pricing error to the extent permitted by Applicable Law.

12.3 A pricing error may include:

• incorrect Quotes;
• stale or delayed prices;
• incorrect decimal placement;
• incorrect digits;
• frozen prices;
• incorrect market feeds;
• incorrectly applied spreads;
• incorrect contract specifications;
• incorrect financing or swap calculations; or
• other objectively identifiable technical errors.

12.4 The Company may consider market data, liquidity-provider records, execution records, timestamps and other relevant evidence when determining whether a pricing error occurred.

13. LEVERAGE AND MARGIN

13.1 Trading Financial Instruments on leverage requires sufficient Margin.

13.2 Margin requirements may change based on market conditions, volatility, liquidity, concentration, Client exposure, news events or other risk factors.

13.3 The Client is responsible for monitoring Margin and Equity.

13.4 Where Margin becomes insufficient, the Company may:

• restrict new Orders;
• issue a Margin Call;
• reduce Positions;
• close Positions;
• increase Margin requirements; or
• take other lawful risk-management measures.

13.5 The Company may close Positions without prior notice where immediate action is reasonably necessary.

14. FORCED LIQUIDATION

14.1 The Company may close Positions where applicable liquidation or Margin thresholds are reached.

14.2 Positions may be liquidated in accordance with the Company's systems and risk-management procedures.

14.3 The Company does not guarantee that Positions can be closed at any particular price.

14.4 The Client acknowledges that liquidation during volatile markets may result in significant losses.

15. NEGATIVE BALANCE

15.1 Where negative balance protection applies to the Client, it shall operate in accordance with the relevant Account terms and Applicable Law.

15.2 Negative balance protection shall not prevent the Company from taking action in cases involving fraud, abuse, manipulation, unlawful conduct or other circumstances where an exclusion is permitted by Applicable Law.

16. CLIENT MONEY

16.1 Client funds shall be handled in accordance with Applicable Law and the Company's Client Money procedures.

16.2 Where required, Client Money shall be segregated from the Company's own funds.

16.3 Client funds may be held with banks, payment institutions, custodians or other third-party institutions.

16.4 The Company shall exercise reasonable care in selecting relevant third parties but shall not be responsible for the insolvency or failure of a third party except to the extent such liability cannot lawfully be excluded.

17. DEPOSITS

17.1 Deposits must be made using payment methods approved by the Company.

17.2 The Company may refuse third-party deposits.

17.3 The Company may require evidence of the source of funds.

17.4 Deposits may be delayed or rejected pending KYC, AML/CFT, sanctions, fraud or payment verification.

18. WITHDRAWALS

18.1 Withdrawal requests shall be processed in accordance with the Company's procedures and Applicable Law.

18.2 The Company may require withdrawals to be made to an account or payment method belonging to the Client.

18.3 The Company may request additional documentation before processing a withdrawal.

18.4 The Company may temporarily delay a withdrawal where reasonably necessary to:

• complete KYC;
• conduct AML/CFT checks;
• investigate suspected fraud;
• investigate suspected abusive trading;
• verify payment ownership;
• investigate chargebacks or payment reversals;
• comply with sanctions requirements;
• comply with regulatory requirements; or
• comply with a lawful request from a competent authority.

18.5 The Company shall not use this provision as an unrestricted right to withhold legitimate Client funds indefinitely.

18.6 Banking, payment-provider, intermediary and currency-conversion charges may apply.

19. FEES, COMMISSIONS AND FINANCING

19.1 The Client shall pay all applicable spreads, commissions, swaps, financing charges, administrative fees and other charges.

19.2 Applicable charges may be published through the Platform, website, Account documentation or other communications.

19.3 The Company may deduct amounts properly owed by the Client from the Account where permitted by Applicable Law.

19.4 Overnight Positions may be subject to financing or swap charges.

19.5 Financing rates may change based on market conditions, interest rates, liquidity and other factors.

20. CLIENT OBLIGATIONS

The Client shall:

• comply with these Terms;
• comply with Applicable Law;
• maintain accurate account information;
• protect Account credentials;
• maintain sufficient Margin;
• immediately report suspected unauthorised Account access;
• use the Platform only for lawful purposes;
• provide requested compliance documentation;
• not interfere with Company systems;
• not manipulate market or execution processes; and
• not engage in prohibited or abusive activity.

21. PROHIBITED, ABUSIVE AND EXPLOITATIVE TRADING

21.1 The Client shall not use the Company's Services in a manner that is fraudulent, manipulative, abusive, deceptive, unlawful, disruptive or intended to exploit weaknesses in the Company's pricing, execution, technology, liquidity or risk-management systems.

21.2 Prohibited or abusive activity may include, without limitation:

Pricing and Latency Exploitation

• latency arbitrage;
• exploiting stale, delayed or frozen Quotes;
• exploiting price-feed delays;
• exploiting differences between liquidity providers;
• exploiting execution delays;
• exploiting bridge latency;
• exploiting delayed market data;
• exploiting technical discrepancies between the Platform and underlying markets;
• systematically trading against known pricing errors;
• exploiting incorrect spreads or contract specifications.

Technical Exploitation

• exploiting server errors;
• exploiting API errors;
• exploiting duplicate executions;
• exploiting incorrect Margin calculations;
• exploiting incorrect swap calculations;
• exploiting system outages;
• attempting to bypass risk controls;
• reverse engineering Company systems;
• unauthorised access to systems;
• manipulating API connections;
• excessive API requests intended to disrupt or exploit systems.

Execution Abuse

• order flooding;
• quote stuffing;
• excessive Order submission;
• excessive Order cancellation;
• excessive Order modification;
• intentionally creating execution congestion;
• systematic exploitation of execution delays;
• submitting Orders primarily to exploit system behaviour rather than genuine trading purposes.

Account and Strategy Abuse

• using multiple Accounts to circumvent trading limits;
• coordinated trading between related Accounts;
• transferring risk or profits between Accounts to circumvent restrictions;
• collusive trading;
• artificial or non-genuine trading activity;
• using third-party Accounts to circumvent restrictions;
• account sharing;
• unauthorised third-party trading;
• using related Accounts to exploit promotions;
• manipulating Account performance through coordinated transactions.

Market and Regulatory Abuse

• market manipulation;
• fraudulent activity;
• unlawful trading;
• insider dealing or other prohibited conduct;
• attempting to circumvent sanctions or financial crime controls;
• using the Services for money laundering or other unlawful purposes.

21.3 The use of an automated trading system, Expert Advisor, algorithm, hedging strategy, scalping strategy or arbitrage strategy shall not automatically constitute prohibited activity.

21.4 The Company shall consider the nature, frequency, timing, purpose and effect of the Client's activity when determining whether conduct is abusive.

21.5 A strategy may be considered abusive where its primary or material purpose is to exploit a technical, pricing, execution, promotional or operational weakness of the Company rather than to obtain genuine market exposure.

22. AUTOMATED TRADING AND ALGORITHMIC SYSTEMS

22.1 Automated trading may be permitted subject to Platform and Account conditions.

22.2 The Company may restrict or suspend automated trading where an algorithm:

• generates excessive system load;
• produces abnormal Order traffic;
• exploits latency;
• exploits pricing errors;
• circumvents risk controls;
• interferes with Platform operation;
• creates material operational risk; or
• otherwise breaches these Terms.

22.3 The Client is responsible for ensuring that all automated systems comply with the Company's technical requirements.

23. MULTIPLE ACCOUNTS AND RELATED ACCOUNTS

23.1 The Client shall not establish or operate multiple Accounts for the purpose of circumventing:

• leverage limits;
• volume restrictions;
• exposure limits;
• promotional conditions;
• risk controls;
• trading restrictions; or
• other Account conditions.

23.2 Accounts may be considered related where there are reasonable indicators of common ownership, control, funding, payment methods, trading behaviour, device information, IP addresses or other relevant connections.

23.3 The Company may investigate related Accounts where reasonably necessary to identify fraud, abuse or circumvention.

24. HEDGING AND COORDINATED TRADING

24.1 Legitimate hedging shall not automatically constitute prohibited activity.

24.2 The Company may investigate coordinated trading where multiple Accounts appear to be operated together for the purpose of:

• transferring profits;
• avoiding losses;
• circumventing restrictions;
• exploiting promotions;
• exploiting execution conditions;
• manipulating Account performance; or
• obtaining an unfair advantage.

24.3 Where the Company reasonably determines that coordinated activity constitutes fraud, abuse, manipulation or breach of these Terms, the Company may take appropriate action.

25. BONUS, PROMOTIONAL AND REBATE ABUSE

25.1 Where bonuses, credits, rebates or promotional benefits are offered, they shall be subject to separate terms.

25.2 The Client shall not:

• create multiple Accounts to obtain benefits;
• use related Accounts to circumvent promotional limits;
• manipulate deposits or withdrawals;
• use coordinated trades to generate artificial eligibility;
• transfer promotional benefits improperly; or
• otherwise abuse promotional conditions.

25.3 The Company may cancel promotional benefits obtained through prohibited activity.

26. PAYMENT FRAUD AND CHARGEBACKS

26.1 The Client shall not use payment methods without proper authorisation.

26.2 The Client shall not initiate a fraudulent or unjustified chargeback, payment reversal or payment dispute.

26.3 Where a payment is reversed or charged back, the Company may:

• suspend the Account;
• restrict withdrawals;
• investigate the transaction;
• recover amounts owed;
• deduct amounts from the Account where legally permitted; and
• investigate related Accounts.

26.4 Nothing in this clause prevents the Client from exercising legitimate rights in respect of an unauthorised or fraudulent payment.

27. MANIFEST ERROR AND TECHNICAL ERROR ADJUSTMENTS

27.1 Where a Transaction is affected by a manifest, obvious or technical error, the Company may, where permitted by Applicable Law:

• cancel the Transaction;
• amend the execution price;
• close the affected Position;
• restore the Account to the position that would reasonably have existed without the error; or
• take another reasonable corrective measure.

27.2 The Company may consider relevant market prices, execution records, liquidity-provider data, timestamps and other evidence.

27.3 The Company shall not use this clause as a general right to cancel legitimate profitable Transactions merely because they were profitable.

28. INVESTIGATION OF SUSPECTED ABUSE

28.1 Where the Company reasonably suspects prohibited, abusive, fraudulent or exploitative activity, it may conduct an investigation.

28.2 The Company may review:

• Orders;
• execution times;
• price feeds;
• server logs;
• IP addresses;
• device information;
• API activity;
• trading patterns;
• payment records;
• related Accounts;
• liquidity-provider records;
• market conditions; and
• other information lawfully available to the Company.

28.3 The Client shall reasonably cooperate with such investigations.

28.4 The Company may temporarily restrict trading or withdrawals where reasonably necessary to protect the Company, other Clients, counterparties, preserve evidence, prevent further losses or comply with Applicable Law.

28.5 The Company may be legally prohibited from disclosing certain information concerning an investigation.

29. REMEDIES FOR ABUSIVE OR PROHIBITED ACTIVITY

29.1 Where the Company reasonably determines that a Transaction or activity resulted from prohibited, fraudulent, abusive or exploitative conduct, the Company may, to the extent permitted by Applicable Law:

• reject or cancel affected Orders;
• close affected Positions;
• adjust affected Transactions;
• reverse gains directly attributable to the relevant prohibited activity;
• restore the Account to the position that would reasonably have existed absent the relevant error or prohibited activity;
• recover reasonable losses, costs and liabilities caused by the relevant activity;
• restrict trading;
• suspend the Account;
• restrict specific Financial Instruments or trading strategies;
• investigate related Accounts;
• terminate the Client relationship; and/or
• take other lawful action reasonably necessary to protect the Company and its Clients.

29.2 Any adjustment shall be reasonably connected to the relevant error, prohibited activity, loss, cost or breach.

29.3 The Company shall not cancel legitimate profits solely because the Client has generated a high return or used a profitable trading strategy.

30. SUSPENSION OF ACCOUNT

30.1 The Company may suspend or restrict an Account where reasonably necessary because of:

• suspected fraud;
• suspected financial crime;
• suspected prohibited trading;
• incomplete KYC;
• payment disputes;
• security concerns;
• material breach of these Terms;
• sanctions concerns;
• regulatory requirements;
• operational risk; or
• other lawful risk-management reasons.

30.2 The Company may restrict specific Services rather than the entire Account where appropriate.

31. TERMINATION

31.1 The Client may request closure of an Account in accordance with the Company's procedures.

31.2 The Company may terminate or suspend the Client relationship where permitted by Applicable Law, including where:

• the Client materially breaches these Terms;
• the Client provides false or misleading information;
• the Company reasonably suspects fraud or abuse;
• AML/CFT requirements cannot be satisfied;
• continued provision of Services becomes unlawful;
• the Client becomes insolvent;
• the Client repeatedly breaches trading conditions;
• continued provision creates unacceptable legal, regulatory, financial or operational risk; or
• another lawful termination ground exists.

31.3 Termination does not affect accrued rights or obligations.

31.4 Outstanding Positions shall be dealt with in accordance with Applicable Law and the Company's procedures.

32. WITHDRAWALS FOLLOWING SUSPENSION OR TERMINATION

32.1 Following termination, eligible Client funds shall be dealt with in accordance with Applicable Law.

32.2 The Company may retain or temporarily restrict amounts reasonably required to:

• satisfy outstanding obligations;
• investigate suspected fraud or abuse;
• address payment reversals;
• comply with legal or regulatory requirements;
• satisfy lawful authority orders; or
• resolve legitimate claims against the Account.

32.3 Any restriction shall remain only for the period reasonably required for the relevant purpose, subject to Applicable Law.

33. CONFLICTS OF INTEREST

33.1 The Company shall maintain procedures for identifying, preventing, managing and, where appropriate, disclosing conflicts of interest.

33.2 The Company, its affiliates, liquidity providers or other counterparties may have interests that potentially conflict with those of the Client.

33.3 The Company shall manage such conflicts in accordance with Applicable Law and its Conflicts of Interest Policy.

34. RISK DISCLOSURE

34.1 Trading leveraged Financial Instruments involves substantial risk.

34.2 Leverage magnifies both potential gains and losses.

34.3 The Client may lose a substantial portion or all of the funds deposited.

34.4 Market prices may move rapidly and may gap without warning.

34.5 Liquidity may materially decrease during periods of market stress.

34.6 Spreads may widen and execution may be affected during volatile or illiquid markets.

34.7 Past performance is not indicative of future results.

34.8 The Client is responsible for determining whether trading is appropriate for the Client.

35. PLATFORM AND TECHNOLOGY

35.1 The Company shall take reasonable measures to maintain the availability and security of its trading systems.

35.2 Electronic trading involves risks including:

• internet failure;
• telecommunications failure;
• device failure;
• software errors;
• server outages;
• cyber incidents;
• third-party service failures;
• market-data interruptions; and
• other technological risks.

35.3 The Client shall not interfere with, overload, damage or attempt to gain unauthorised access to Company systems.

35.4 The Company may suspend Platform access for maintenance, security, operational or regulatory purposes.

36. ELECTRONIC COMMUNICATIONS

36.1 The Company may communicate with the Client through email, Client Portal, Platform notifications, SMS, telephone or other approved electronic methods.

36.2 The Company may record telephone calls, electronic communications, Orders and other interactions where required or permitted by Applicable Law.

36.3 The Client agrees that electronic communications may constitute written communications where permitted by Applicable Law.

36.4 The Client shall maintain accurate contact information and monitor communications relating to the Account.

37. DATA PROTECTION AND PRIVACY

37.1 The Company shall process personal information in accordance with Applicable Law and its Privacy Policy.

37.2 Personal information may be processed for:

• account opening;
• identity verification;
• AML/CFT;
• sanctions screening;
• fraud prevention;
• execution;
• risk management;
• regulatory reporting;
• customer support;
• security; and
• legal and regulatory compliance.

37.3 Information may be disclosed to regulators, authorities, banks, payment providers, liquidity providers, technology providers and other service providers where legally permitted or required.

38. ANTI-MONEY LAUNDERING AND SANCTIONS

38.1 The Company maintains procedures designed to identify and mitigate money laundering, terrorist financing, sanctions and financial crime risks.

38.2 The Company may conduct ongoing monitoring of Client activity.

38.3 The Company may request information concerning source of funds, source of wealth, beneficial ownership or transaction purpose.

38.4 The Company may suspend, restrict or terminate an Account where required or permitted by Applicable Law.

38.5 The Company may be prohibited from disclosing information concerning certain investigations or reports.

39. COMPLAINTS

39.1 The Company maintains a formal complaints handling procedure.

39.2 Clients may submit complaints through the Company's designated complaints channel.

39.3 The Company shall handle complaints in accordance with its Complaints Handling Procedure and Applicable Law.

39.4 Where applicable, unresolved complaints may be referred to the relevant competent authority in accordance with Applicable Law.

39.5 Nothing in these Terms removes any mandatory statutory or regulatory right available to the Client.

40. EVENTS BEYOND THE COMPANY'S REASONABLE CONTROL

40.1 The Company shall not be responsible for delay or failure caused by circumstances beyond its reasonable control.

40.2 Such circumstances may include:

• natural disasters;
• war;
• terrorism;
• civil unrest;
• government action;
• regulatory intervention;
• market closure;
• exchange suspension;
• liquidity failure;
• bank or payment-provider failure;
• telecommunications failure;
• cyber incidents;
• technology failure;
• infrastructure failure; or
• other extraordinary circumstances.

40.3 Where such an event materially affects the Services, the Company may take reasonable measures to protect the Company, Clients and counterparties.

41. LIABILITY

41.1 Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by Applicable Law.

41.2 Subject to Applicable Law, the Company shall not be liable for indirect, incidental, special or consequential losses.

41.3 The Company shall not be liable for losses caused solely by:

• market movements;
• slippage;
• liquidity conditions;
• market gaps;
• third-party failures;
• Client decisions;
• misuse of the Platform; or
• events beyond the Company's reasonable control,

except where liability arises from circumstances that cannot lawfully be excluded.

41.4 Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation, wilful misconduct or other liability that cannot legally be excluded.

42. CLIENT INDEMNITY

42.1 To the extent permitted by Applicable Law, the Client shall indemnify the Company against reasonable losses, liabilities, costs and expenses arising from:

• material breach of these Terms;
• fraud or unlawful conduct;
• misuse of the Services;
• false or misleading information;
• unauthorised Account use caused by the Client's failure to protect credentials; or
• violation of Applicable Law.

42.2 This indemnity shall not apply to losses caused by the Company's fraud, wilful misconduct or liability that cannot lawfully be excluded.

43. ASSIGNMENT

43.1 The Client may not assign, transfer, charge or otherwise dispose of any rights or obligations under these Terms without the Company's prior written consent.

43.2 The Company may assign or transfer its rights and obligations to an affiliate, successor or other entity where permitted by Applicable Law.

44. AMENDMENTS

44.1 The Company may amend these Terms where reasonably necessary to:

• comply with Applicable Law;
• comply with regulatory requirements;
• reflect changes to Services;
• introduce new products;
• improve operational procedures;
• address emerging risks; or
• make reasonable commercial or administrative changes.

44.2 Where required, the Company shall provide reasonable notice of material amendments.

44.3 Where an amendment is required immediately by law, regulation, security or risk considerations, the Company may implement the amendment immediately where legally permitted.

44.4 Continued use of the Account after the applicable effective date shall constitute acceptance of the amended Terms to the extent permitted by Applicable Law.

45. SEVERABILITY

45.1 If any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision shall be modified or severed to the minimum extent necessary.

45.2 The remaining provisions shall remain in full force and effect.

46. NO WAIVER

46.1 A failure or delay by the Company to exercise any right shall not constitute a waiver of that right.

46.2 Any waiver must be expressly communicated by the Company.

47. ENTIRE AGREEMENT

47.1 These Terms, together with the documents incorporated by reference and applicable product-specific terms, constitute the agreement between the Company and the Client concerning the Services.

47.2 They supersede previous agreements and understandings concerning the same subject matter, except where expressly preserved.

48. GOVERNING LAW AND JURISDICTION

48.1 These Terms shall be governed by and construed in accordance with the laws of Saint Lucia, subject to any mandatory provisions of Applicable Law.

48.2 Subject to mandatory statutory rights available to the Client, the courts of Saint Lucia shall have jurisdiction over disputes arising from or relating to these Terms.

48.3 Nothing in these Terms prevents the Client from exercising any mandatory right to submit a complaint or claim to a competent regulatory authority or court.

49. ELECTRONIC ACCEPTANCE

49.1 The Client's electronic acceptance of these Terms during the Account opening process constitutes acceptance of these Terms.

49.2 The Company may retain an electronic record of:

• the version of the Terms accepted;
• the date and time of acceptance;
• the Client's Account identifier; and
• other relevant acceptance records.

49.3 Such electronic records may be used as evidence of the Client's acceptance, subject to Applicable Law.

50. IMPORTANT CLIENT NOTICE

By opening or maintaining an Account with My Maa Markets Ltd, the Client acknowledges that:

• leveraged trading involves substantial risk;
• losses may occur rapidly;
• execution prices may differ from displayed prices;
• spreads and financing charges may change;
• Orders may be rejected or restricted;
• Margin requirements may change;
• Positions may be liquidated when applicable thresholds are reached;
• market, liquidity and technology events may affect execution;
• the Company monitors trading activity for fraud, market abuse, technical exploitation and other prohibited conduct;
• abusive or exploitative activity may result in investigation, restrictions, adjustment or cancellation of affected Transactions, suspension or termination, subject to Applicable Law; and
• the Client is responsible for reading and complying with these Terms and all applicable trading conditions.

My Maa Markets Ltd

Premier Business Centre, 10th Floor, Sterling Tower, 14 Poudrière Street, Port Louis, Mauritius 11302

mymaamarkets.com

[email protected]

+971 04 570 0914