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1. Introduction

Welcome to Global Mutual Funds Limited. These Terms of Service ("Terms") govern your use of our website and services. By accessing and using our platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use our services.

2. User Registration and Account

When you register for an account with us, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

• You must be at least 18 years of age to use our services
• You must provide truthful and accurate information during registration
• You are responsible for all account activity under your credentials
• You agree to maintain password confidentiality

3. Investment Services

Global Mutual Funds Limited provides investment and banking services. All investments carry risk, including potential loss of principal. Past performance is not indicative of future results. Before making any investment decisions, you should carefully review all available information and consider your financial situation, goals, and risk tolerance.

4. Limitations of Liability

To the fullest extent permitted by law, Global Mutual Funds Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, even if we have been advised of the possibility of such damages.

5. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of Global Mutual Funds Limited or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit any content without our prior written consent.

6. User Conduct

You agree not to engage in any conduct that:

• Violates any applicable laws or regulations
• Harasses, threatens, or intimidates other users
• Attempts to gain unauthorized access to our systems
• Transmits viruses or malicious code
• Engages in fraudulent or deceptive practices

7. Transactions and Payments

All transactions conducted through our platform are governed by these Terms and our Payment Terms. You authorize us to charge your account for any services or purchases you make. You are responsible for all currency conversions and international transaction fees.

8. Termination of Service

We reserve the right to terminate or suspend your account at any time, with or without cause, with or without notice. Upon termination, your right to use our services will immediately cease. Any funds in your account will be processed according to our withdrawal policies.

9. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules established by our Dispute Resolution Policy.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services following the posting of revised Terms means that you accept and agree to the changes.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any legal action or proceeding shall be conducted exclusively in the courts of jurisdiction where our company is located.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Last updated: December 22, 2025

1. Privacy Commitment

Global Mutual Funds Limited ("we" or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

We may collect information about you in a variety of ways:

• Personal Information: Name, email address, phone number, address, date of birth, and identification documents
• Financial Information: Banking details, account numbers, and transaction history
• Technical Information: IP address, browser type, operating system, and access times
• Usage Information: Pages visited, features used, and interactions with our platform

3. Use of Information

We use the information we collect to:

• Process and manage your account and transactions
• Verify your identity and prevent fraud
• Comply with regulatory requirements and legal obligations
• Improve our website and services
• Send you important account notifications and updates
• Provide customer support and respond to inquiries
• Conduct analytics and market research

4. Data Protection and Security

We implement comprehensive security measures to protect your personal information, including:

• 256-bit SSL encryption for all data transmission
• Secure data storage with restricted access
• Regular security audits and updates
• Multi-factor authentication for sensitive operations
• Compliance with international data protection standards

5. Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share information only:

• With financial partners necessary for transaction processing
• With law enforcement when legally required
• With service providers under confidentiality agreements
• To comply with legal obligations and court orders

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These help us remember your preferences and understand how you use our services. You can control cookie settings through your browser preferences.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. We encourage you to review the privacy policies of any sites you visit.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a minor, we will take steps to delete such information promptly.

9. Your Privacy Rights

Depending on your location, you may have rights including:

• The right to access your personal information
• The right to correct inaccurate data
• The right to request deletion of your information
• The right to opt-out of marketing communications
• The right to data portability

10. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Depending on the information type, we may retain data for varying periods. You may request data deletion, subject to legal and regulatory requirements.

11. International Data Transfers

Your information may be transferred, stored, and processed in countries other than your country of residence. These countries may have data protection laws that differ from your home country. By using our services, you consent to such transfers.

12. Policy Updates

We reserve the right to update this Privacy Policy at any time. Changes will be effective immediately upon posting. Your continued use of our services following the posting of revised Policy means you accept the changes.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Last updated: December 22, 2025