Pre-market and after-market risk disclosure

Topcredit Digital Currency Bank,lnc. The company and its affiliated companies (hereinafter collectively referred to as the "Company" or "Topcredit ") jointly operate the website: www.topcreditbank.com and related mobile applications (hereinafter referred to as the "Platform") or "this platform"), and provide users with transactions between digital currencies and related services based on this platform. For the purpose of this agreement, an affiliated company refers to another entity that directly or indirectly controls, is controlled by, or is under common control with, Topcredit GLOBAL LIMITED through one or more intermediaries. If you register as a user of this platform, you agree to accept this agreement and be bound by all agreements published on the platform and all policies published on the website (hereinafter referred to as the "agreement"). If you do not accept the following agreement, please immediately stop registering, stop visiting the website, and/or stop using the services, products or content of this platform.

Chapter 1 Agreement Signing and Amendment

1.1 You declare and ensure that you are over 18 years old, have full capacity for civil conduct as required by law, and have not been deprived of the right to use our services. If you do not meet the above conditions, please do not register on our website or platform, otherwise the company reserves the right to suspend or terminate your account at any time.

1.2 Your conclusion and performance of this agreement shall not be prohibited by the laws and regulations of the country or region to which you belong, reside, conduct business activities or other businesses, or have tax jurisdiction over you. If you do not meet the aforementioned conditions, you should immediately terminate the registration or stop using the services of this platform.

1.3 You follow the prompts on the platform page to complete the entire registration process or use the related services of the platform each time, which means that you fully understand and accept all the contents of this agreement (including subsequent revisions made from time to time and published on the platform) Agreement). The content of this agreement includes all agreements under this agreement and various rules that have been issued or may be issued by this platform in the future. All various rules that have been released or may be released in the future are expressly incorporated and constitute an integral part of this agreement, and have the same legal effect as the text of the agreement.

1.4 The platform has the right to modify this agreement from time to time as needed or to formulate and modify various specific rules in accordance with this agreement and publish them on the relevant system sections of the platform without separately notifying you. You should pay attention to changes in this agreement and specific rules from time to time. If you continue to use this service after the announcement of changes in this agreement and specific rules, it is deemed that you have fully read, understood and accepted the revised agreement and specific rules. The services of this platform will also be used in accordance with the revised agreement and specific rules.

1.5 Accepting this agreement or operating your account (whether personally or through others) to access the relevant services of this platform in accordance with this agreement and the relevant rules and instructions of the platform is deemed to be a legal agreement between you and Topcredit potency. This agreement does not involve legal relationships or legal disputes (if any) arising from network services or transactions between you and other users of this platform.

1.6 You agree that Topcredit may immediately terminate your access to this platform and account by issuing a notice, including but not limited to the following rights: restricting, suspending or terminating services and user accounts, prohibiting access to the platform and its content, services and tools, Delay or delete content, take technical and legal measures to remove users who infringe or violate this agreement and platform policies from the platform, and any further measures to make up for any loss or damage caused, once we determine in our sole discretion that you may violate any laws, regulations, The rights of third parties, or any content of this agreement or platform policy. Topcredit shall not be liable for any loss or damage caused to you or any third party as a result of exercising your rights under this clause.

Chapter 2 Service Content and Your Rights and Obligations

2.1 Topcredit provides you with digital asset trading services. This platform does not act as a buyer or seller for direct transactions with users, and does not provide services related to the deposit and withdrawal of any national legal currency.

2.1.1 You have the right to browse the real-time digital currency market and transaction information on the platform, and have the right to submit digital currency transaction instructions and complete digital currency transactions through the platform.

2.1.2 You have the right to view the information under your account on the platform, and have the right to operate using the functions provided by the platform.

2.1.3 You have the right to participate in the website activities organized by the platform in accordance with the activity rules issued by the platform, as well as other services promised by the platform.

2.2 You understand and agree that the platform can adjust the service content, service types and service forms on the platform at any time according to the actual situation. The platform is not responsible for any negative impact or loss caused to you or any third party due to platform adjustments.

2.3 Depending on your country/region, you may not be able to use all the functions of this website or platform. We have the right to suspend the provision of certain services to users in specific countries, but ensure that laws and regulations are observed when accessing this website, platform and using our services (including where you live and/or when you access this website) country laws and regulations) are your responsibility.

2.4 In order to access and use our services, you must create an account with Topcredit. You agree to:

(1) provide accurate, current and complete information when creating an account;

(2) maintain and promptly update your account information to keep it accurate, complete and current;

(3) maintain the security and confidentiality of your login credentials and restrict access to your account and computer;

(4) If you discover or suspect any security breaches related to the platform, you should immediately notify Topcredit;

(5) Be responsible for all activities that occur under your account and bear all risks of unauthorized access;

2.5 In order to provide services to you, the platform may reasonably use your user personal information, non-personal information and information provided by third parties (hereinafter collectively referred to as "user information"). Once you register, log in, and use the services of this platform, it will be deemed that you fully understand, agree and accept that the company reasonably uses user information through methods including but not limited to collection, statistics, analysis, and so on.

2.6 You confirm that the transaction status confirmed by you on this platform according to the service process of this platform will become a clear instruction for this platform to carry out relevant transactions or operations for you. You agree that this platform has the right to deal with relevant matters in accordance with this agreement and/or relevant documents and rules in accordance with relevant instructions.

2.7 Any disputes or losses caused by your failure to modify or confirm the transaction status in a timely manner or fail to submit relevant applications shall be borne by you, and this platform shall not bear any responsibility.

Chapter 3 Business Risk Reminder and Confirmation

3.1 Risk reminder and confirmation of loan and super leveraged transaction

3.1.1 Topcredit launches currency lending service to provide you with long/short super leveraged trading services.

3.1.2 Your maximum loan amount is determined by the maximum loan multiple.

3.1.3 Topcredit provides risk management services for borrowing your super leveraged transactions, and monitors and manages your super leveraged accounts in Topcredit.

3.1.4 When you use super leveraged transactions, it means that you unconditionally authorize Topcredit to take risk control operations such as reducing positions or even completely closing positions when your loan expires or when risks occur in your super leveraged account, without requiring any You assume no liability.

3.1.5 When you use super leveraged trading, you should abide by relevant national laws and ensure that the source of trading assets is legal and compliant. You shall not use super leveraged transactions to engage in any behavior that violates the laws and regulations of the country or region where you belong, reside, conduct business activities or other business, or have tax jurisdiction over you. Relevant violations include, but are not limited to, money laundering.

3.1.6 When you use super leveraged transactions, you should be fully aware of the risks of digital asset investment and super leveraged transactions, operate with caution and do what you can.

3.1.7 You agree that all investment operations performed in Topcredit represent your true investment wishes, and you unconditionally accept the potential risks and benefits brought about by investment decisions.

3.1.8 You understand that related fees such as handling fees may be incurred during borrowing and super leveraged transactions, and agree to pay the corresponding fees in accordance with the requirements announced by the platform from time to time.

3.1.9 You agree that Topcredit reserves the right and authority to implement risk control operations such as reducing positions, closing positions, and automatic repayments on the account when risks occur in the super leveraged account, and does not need to bear any responsibility for you or any third party, and there is no condition Accept the final transaction result.

3.1.10 Topcredit reserves the right to suspend and terminate the lending and super leveraged trading business. When necessary, the platform can suspend and terminate the borrowing and super leveraged trading business at any time.

3.2 Perpetual Contract Risk Reminder and Confirmation

3.2.1 Digital assets have their own risks. The price of digital assets is prone to fluctuations, there is no price limit, and it is traded 24 hours a day, 7 days a week around the world. Its price is easily affected by various factors such as banker control, global news events, national policies, market demand, etc. , the price may increase several times in one day, or the price may fall by half in one day. Due to the high leverage of perpetual contracts, you may suffer relatively large losses. Participate in transactions within the risk range.

3.2.2 Under the influence of unexpected factors, such as system failures, network reasons, denial of service attacks (DDoS) and other hacker attacks, abnormal transactions, market interruptions, or other possible abnormal situations, we have the right to cancel the exception according to the actual situation transaction results, and roll back all transactions for a certain period of time without any liability to you or any third party.

3.2.3 We strictly prohibit any improper transactions. We have the right to warn against all unethical behaviors such as maliciously manipulating prices and maliciously affecting the trading system, and when necessary, adopt restrictions on transactions, suspension of transactions, cancellation of transactions, reverse cancellation of completed transactions, freezing accounts, and rollback periods Transactions and other means to eliminate adverse effects without any liability to you or any third party.

3.2.4 When your position margin cannot meet the requirements of the platform, you will be forced to close the position. If the price fluctuates violently and the system still suffers losses after using all risk control methods, we have the right to recover the losses from you.

3.2.5 When your number of positions or orders is too large, and we believe that there may be serious risks to the system and other users, you understand and agree that we have the right to require you to take risk control measures such as canceling orders and closing positions. In addition, when we think it is necessary, we have the right to control the risk of individual accounts by taking measures such as limiting the total number of positions, limiting the total number of orders, limiting the opening of positions, canceling orders or forced liquidation, without requiring you or any third party The third party assumes no responsibility.

Chapter 4 Transaction Management and Fees

4.1 The platform will provide services for your transactions, and will charge necessary service or management fees in accordance with the relevant documents, agreements and/or relevant rules and instructions on the platform page during the service process. For details, please refer to this agreement, relevant information on this platform Documentation, rules and instructions on the page. The foregoing is hereby expressly incorporated into these Terms, as may be amended from time to time. You agree that this platform has the right to adjust specific matters such as the type or amount of the aforementioned services or management fees from time to time, and to make announcements and modifications in accordance with this agreement and relevant rules. If you continue to accept the services of this platform, you are deemed to agree to the updated terms.

Chapter 5 Service Change, Interruption or Termination

5.1 Unless this platform unilaterally terminates this agreement or you apply for termination of this agreement and this agreement is agreed by this platform, this agreement will always be valid. If you violate this agreement, relevant rules, any laws or regulations, or we reasonably suspect that you are involved in illegal or improper behavior during the use of our services, or at the request of government departments, this platform has the right to terminate this service agreement, closing your account or restricting your use of the Platform without any liability to you. However, the termination of this platform does not exempt you from your unfulfilled obligations under this agreement or other agreements generated on this platform.

5.2 If you find that a third party has fraudulently used or stolen your user account and password, or any other unauthorized situation, you should immediately notify this platform in an effective manner and request this platform to suspend relevant services. All liabilities, losses, damages, claims, costs or expenses arising out of or in connection with the use of your account (whether authorized or not) are borne by you.

5.3 In view of the particularity of network services, you agree that this platform has the right to change, interrupt or terminate some or all of the network services at any time without further notice to you, and without any liability to you or any third party.

5.4 You understand that this platform needs to regularly or irregularly overhaul or maintain the platform that provides network services (such as Internet websites, mobile networks, etc.) or related equipment, if such circumstances cause network services to be interrupted within a reasonable time , the platform will issue notices in a timely manner as much as possible, but it does not need to bear any loss, damage, compensation or responsibility arising therefrom.

5.5 The platform has the right to decide at its sole discretion to suspend, interrupt or terminate all or part of the services provided to you under this agreement, to remove or delete the registration information, or to take any remedial or temporary measures (including but not limited to canceling, revoking the transaction and account freezing) without notice and without any liability to you or any third party. Without prejudice to the breadth of the aforementioned rights, we may exercise this right in the following circumstances:

(1) The platform believes that the personal information you provide is not authentic, valid or complete;

(2) When this platform discovers or suspects that you have abnormal transactions, illegal transactions or unusual activities;

(3) The platform believes that your account is suspected of money laundering, cash-out, pyramid schemes, fraudulent use or other situations that the platform considers risky;

(4) The platform believes that you have violated this agreement;

(5) When you use paid network services, you fail to pay the corresponding service fees to the platform as required;

(6) The platform finds that your account has been accessed without authorization, or your account is subject to government procedures, criminal/regulatory investigations or any pending litigation;

(7) Other circumstances that require the suspension, interruption or termination of all or part of the services provided to you under this agreement and the removal or deletion of registration information as determined by the platform at its own discretion.

5.6 You agree that the suspension, interruption, termination of your account or any other measures we take based on the foregoing clauses will not relieve you of your responsibilities, and you should still be responsible for possible breach of contract and damages for your actions during the use of the platform services or any other responsibility, while the platform can still retain your relevant information.

5.7 If your registered free network service account has not been actually used within 90 consecutive days, this platform has the right to delete the account and stop providing you with relevant network services.

Chapter 6 Rules of Use

6.1 [Account Data Content Specifications]

(1) When you apply to use platform services, you should provide accurate personal information in accordance with the relevant rules of this platform. If there is any change in your personal information, you should update it in time.

(2) You should not transfer or lend your account and password to others. If you find that your account has been illegally used by others, you should notify the platform immediately. This platform does not assume any responsibility for the illegal use of account numbers and passwords by others due to viruses, hacking or your negligence in storage.

6.2 [Service Operation Specifications]

6.2.1 You shall abide by laws, regulations, normative documents and policy requirements, and ensure the legitimacy of all digital currency sources in your account. Unless permitted by law or with the written permission of this platform, you shall not engage in the following acts when using the platform and related services:

(1) Use the services of this platform to conduct any behavior that may adversely affect the normal operation of the Internet or mobile network;

(2) Use the network services provided by the platform to upload, display or disseminate any false, harassing, slanderous, abusive, threatening, vulgar, obscene, violent or any other information that violates laws and regulations, remarks;

(3) Use the platform service system to conduct any behavior that is not conducive to the platform;

(4) Infringe on the third party's legal rights such as reputation rights, portrait rights, intellectual property rights, and trade secrets, or infringe on anyone's commercial interests;

(5) Inducing other users to click on linked pages or share information. Using the platform account and any functions without the written permission of the platform, as well as third-party operating platforms for promotion, or publishing commercial advertisements not authorized by the platform;

(6) Produce and publish methods and tools related to the above acts, or operate or disseminate such methods and tools, regardless of whether these acts are for commercial purposes or not;

(7) Other acts that violate or may violate laws and regulations, infringe the rights of any third party, or interfere with the normal operation of the platform.

6.2.2 You promise to abide by all the digital currency transaction rules of this platform, including but not limited to:

(1) Browse transaction information

When you browse the digital currency transaction information on this platform, you should carefully read all the content contained in the transaction information, including but not limited to digital currency price, entrusted amount, handling fee, buying or selling direction, and you fully accept that the transaction information contains Click the button to trade after all the content.

(2) Submit entrustment

You can submit a transaction order after browsing the transaction information and confirming that it is correct. After you submit the transaction entrustment, you authorize the platform to act on your behalf to carry out the corresponding transaction matching. When there is a transaction that meets your entrusted price, the platform will automatically complete the matching transaction without prior notice to you.

(3) View transaction details

You can check the corresponding transaction records through the account transaction details to confirm your detailed transaction records.

(4) Revocation/modification of entrustment

Before the matching transaction is reached, you have the right to revoke or modify the order at any time.

6.3 This platform has the right to review and supervise your use of platform services (including but not limited to reviewing the content you store on the platform). If you violate any of the above regulations when using platform services, this platform has the right to require you to Correction or remedy (if possible), also has the right to directly take all necessary measures (including but not limited to changing or deleting the content you posted, suspending or terminating your right to use network services) to mitigate the impact of your actions.

6.4 If the market price is within the range of your order, usually during normal operation, the order you place with Topcredit will be executed. However, we do not guarantee that your order will be executed even if the market price at the time you place or otherwise open it is within your range. If you place an order with Topcredit during planned or unplanned outages of Topcredit, it will be processed on a commercially reasonable basis once we resume operations. Topcredit reserves the right to refuse or cancel orders placed and/or not placed during the downtime.

6.5 Orders may be subject to delays, difficulties and/or conditions beyond the control of Topcredit that affect the transmission or execution of orders, including but not limited to mechanical or electronic failures or market congestion, for which Topcredit is not responsible.

Chapter 7 Intellectual Property Rights

7.1 Unless otherwise specified, all content on this platform is the property of Topcredit and is protected by copyright, patent, trademark and other applicable laws.

7.2 The trademarks, product names, service marks and company logos of WIFI used on this platform are the property of Topcredit and their respective owners. The software, applications, text, images, graphics, data, prices, transactions, charts, graphics, and audio-visual materials used on this website and platform are all owned by Topcredit. Trademarks and other content on this platform may not be copied, reproduced, modified, reprinted, uploaded, posted, transmitted, crawled, collected or distributed in any form or by any means, whether by automatic or manual means.

7.3 Use of any content on our platform for any other purpose on any other website or in a networked computer environment is strictly prohibited; any such unauthorized use may violate copyright, patent, trademark and any other applicable laws and may result in criminal or civil penalties.

7.4 Topcredit is a trademark of this platform, and no user or third party may use it without the written authorization of the platform.

7.5 Topcredit supports the protection of intellectual property rights. If you wish to make a trademark claim for infringement of a valid registered trade mark or service mark that you hold, or if you wish to make a copyright claim for material in which you hold the bona fide copyright, please email [e-mail].

Chapter 8 Privacy Protection

Once you register, log in, and use the services of this platform, it will be deemed that you fully understand, agree and accept the privacy agreement of this platform.

Chapter 9 Disclaimer

You understand that this platform allows you to use our services, provides you with related services, enables you to buy, sell or store digital assets, neither constitutes nor should be understood by you as providing you with investment advice. This platform does not provide investment advice, tax advice, legal advice, or other professional advice. We do not recommend and/or endorse the purchase or sale of digital assets and/or any investments by you. Before engaging in any trading or investment activity, you should consult a qualified professional.

The services we provide to you through Topcredit are provided strictly on an "as is", "as available" and "as available" basis. The company makes no representations or warranties as to the accuracy, completeness, timeliness, non-infringement, merchantability, fitness for a particular purpose, or the information or services contained herein. In no event shall the Company be liable to you or any other person for any loss or damage caused by any decision or action taken by you or any other person in connection with the use of the Company, its services or the information contained therein. Whether the event is due to: inaccurate or incomplete information, delays, interruptions, errors or omissions; or due to negligence or unforeseen circumstances outside the company's control The extraction, compilation, interpretation, calculation, reporting, or any loss or damage caused by delivery; or any loss or damage caused by omission of data contained in this platform or products or services provided to users, regardless of whether the circumstances of the cause are in the company or not.

In no event shall the Company be liable to the user or any other person for direct, special, indirect, consequential or incidental damages or any other damages of any kind (including direct or indirect loss of profits), whether in tort or contract, even if The Company or any other relevant person has been advised of its possibility. This limitation of liability includes, but is not limited to, transmission of any viruses that may infect user equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnection problems, unauthorized entry, theft, operator error, strikes or other labor problems or any force majeure. The Company cannot and will not guarantee your continued, uninterrupted or secure access to Topcredit.

Chapter 10 Risk Warning

10.1 The digital currency market is new, unconfirmed, and may not grow;

10.2 Digital currency is mainly used by speculators in large quantities, and is relatively less used in retail and commercial markets. Digital currency transactions are extremely risky. Its 24-hour uninterrupted transactions, no price limit, and prices are easily affected by government policies and other factors. Large fluctuations ;

10.3 Due to the enactment or modification of laws, regulations and normative documents of various countries, digital currency transactions may be suspended or prohibited at any time;

10.4 Digital currency transactions are extremely risky. You understand and understand that this investment may result in partial or total loss, so you should decide the amount of investment based on the degree of loss you can bear. You understand and understand that digital currency will generate derivative risks, so if you have any questions, it is recommended to seek the assistance of a financial advisor first. In addition, in addition to the risks mentioned above, there will be risks that cannot be predicted. You should carefully consider and use clear judgment to assess your own financial situation and the above-mentioned risks before making any decision to buy or sell digital currency, and bear all losses arising therefrom. This platform does not assume any responsibility for this.

Chapter 11 Compensation for breach of contract

Any claims, demands, actions, damages, losses, costs or All expenses (including but not limited to reasonable attorney's fees) shall be borne by you, and you agree to indemnify, defend and defend this platform from damages to this platform.

Chapter 12 Service of Notice

12.1 If the notice under this agreement is made by publicity, once it is publicized on this platform, it will be deemed to have been delivered. In addition, other exclusive notices issued to you personally will be provided by the platform to the email address you provided when you registered, or the message system column in the station that the platform sets for you in your personal account, or you in After registration, the mobile phone bound to this platform is sent, once sent, it is deemed to have been delivered. Please pay close attention to your email, emails and messages in the message system column of the site, and text messages in your mobile phone.

12.2 You agree that for the purpose of providing services to you, this platform may send relevant notices or reminders to your email, message system bar and mobile phone; if you do not want to receive, please set up in the corresponding system section of this platform. However, you also agree and confirm that if you have set not to receive relevant notices or reminders, you may not receive such notices, and you may not claim that relevant notices have not been delivered because you have not received or read such notices to you.

Chapter 13 Disclosures to Statutory Bodies and Authorized Financial Institutions

13.1 We may share your personal data with law enforcement agencies, data protection agencies, government officials or others in the following circumstances:

13.1.1 as required by law;

13.1.2 compelled by subpoena, court order or other legal process;

13.1.3 We believe disclosure is necessary to prevent damage or financial loss;

13.1.4 Disclosure is required for reporting suspected illegal activities;

13.1.5 Disclosure is necessary to investigate violations of this Agreement.

Chapter 14 Applicable Law and Jurisdiction

These Terms are governed by and construed in accordance with applicable laws. The court shall have exclusive jurisdiction to resolve any dispute, dispute, disagreement or claim arising out of or in connection with this agreement, including the existence, validity, interpretation, performance, breach or termination of the agreement, or any non-contractual disputes related thereto. .

Chapter 15 Other Agreements

This platform has the final right to interpret this agreement within the scope permitted by law. The relevant terms in this agreement and the relevant pages of this platform can be referred to each other. If there is any difference in understanding, this agreement shall prevail. In addition, if part of this agreement is deemed invalid or unenforceable, other agreements in this agreement will still be valid.

In the event of any conflict between these Terms and any other agreement you may have with Topcredit, the terms of that other agreement will only be effective if these Terms are expressly identified and stated to be superseded by the other agreement.

Any failure or delay by Topcredit to enforce this clause or exercise its rights under this Agreement shall not be deemed a waiver of our rights.

In case of any conflict between the content of this Agreement and the English version, the English version shall prevail.

Topcredit Int official website: https://tope.com

Topcredit Int APP download: https://download.tope.com

Topcredit Int Telegram English channel: https://t.me/topcredit_Ann

Topcredit Int English Community: https://t.me/Topcredit_Int_GroupEN

Topcredit International H5 site: http://H5.tope.com

Twitter: https://twitter.com/TopcreditEx

Medium: https://medium.com/@Topcredit_International

Topcredit Int has always valued compliance obligations, adhering strictly to relevant requirements of regulators worldwide, and we ask that you comply with laws and regulations of your country or region.

Topcredit Int reserves the right to modify, change or cancel this announcement at any time and for any reason at its sole discretion without prior notice.