NAFH - Terms and Conditions

1. Definitions

For the purposes of these Terms:

• "NAFH", "we", "us", "our" - refers to NAFH, operating the NAFH Platform available at nafhcircles.com.
• "User", "you", "your" - any person or entity accessing or using the Platform.
• "Exchange" - a third-party crypto exchange where you hold your trading funds.
• "API Keys" - trading access keys you generate on your Exchange that allow NAFH to execute trades on your behalf.
• "Trading Account" - your Exchange account connected to NAFH via API.
• "Commission Wallet" - an internal wallet in NAFH used to collect performance fees.
• "Affiliate Wallet / Bonus Wallet / NAFH Trade Wallet" - internal wallets where affiliate and trading-related bonuses are credited as per the compensation plan.
• "Subscription" - a paid plan (monthly, yearly, or other duration) that unlocks trading services, matrix positions, and additional compensation plan benefits.
• "Compensation Plan" - the NAFH affiliate and bonus structure, including but not limited to Quick Start Bonus, NAFH Residual Bonus, NAFH Trading Bonus, Network Bonus Pool, Royalty Pools, Top Producer Bonus, and NAFH Fortune Draw.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years old (or the legal age of majority in your jurisdiction).
• Have full legal capacity to enter into binding contracts.
• Not be a resident of any country or region where participation in the services offered by NAFH is prohibited by law.
• Not be listed on any applicable sanctions or restricted person lists.

By using NAFH, you represent and warrant that you meet all of the above conditions. We may suspend or terminate your access if we believe you do not.

KYC note:

NAFH does not currently require users to complete KYC (Know Your Customer) verification in order to use the Platform.

However, we reserve the right to introduce identity / verification procedures in the future if required by law, regulation, or risk management policies.

3. Nature of the Services

3.1 Non-Custodial Trading Management

NAFH provides expert-managed, rules-based trading services that operate on your own Exchange account via API:

• We do not hold or custody your trading capital.
• Your funds remain on your Exchange at all times.
• We connect via API with trading permissions only (no withdrawals).
• Orders are placed and closed on your Exchange according to our strategies and risk rules once you have:
  • An active Subscription, and
  • A valid API connection configured as recommended.

3.2 Affiliate & Compensation Plan Services

NAFH provides an affiliate system and compensation plan that allows eligible users to earn bonuses from:

• Referring new members
• Team growth and ranks
• Subscription activity
• Network trading performance and company profit pools

All such rewards are governed by these Terms and the current official version of the NAFH Compensation Plan, which may be updated from time to time.

3.3 No Financial, Investment, or Tax Advice

NAFH, its materials, tools, and representatives:

• Do not provide personalized financial, investment, legal, or tax advice.
• Do not recommend that you buy, sell, or hold any particular asset or amount.

All information is provided for educational and informational purposes only.

You are solely responsible for your own decisions and should consult licensed professionals when needed.

4. Account Registration & Security

4.1 Registration

• You must provide accurate and complete information when creating your account.
• You must keep your contact details updated at all times.

4.2 Credentials & 2FA

You are responsible for maintaining the confidentiality of your:

• NAFH login credentials
• Email credentials
• Exchange credentials

We strongly recommend enabling 2FA wherever possible.

If you suspect unauthorized access, you must:

• Change your passwords immediately, and
• Notify Support as soon as possible.

5. API Keys, Exchanges & Third-Party Platforms

5.1 API Configuration

To use the trading services, you must connect your Exchange account to NAFH via API:

• Create API Keys on your Exchange.
• Grant trading permissions only (no withdrawals).
• Configure any IP restrictions as recommended by NAFH, where applicable.

You are solely responsible for:

• Correctly configuring your API keys
• Keeping your keys secure
• Revoking keys on your Exchange if you suspect any compromise

5.2 Third-Party Exchange Responsibility

NAFH is not an Exchange and has no control over:

• Exchange operations, fees, or outages
• Exchange security or breaches
• Exchange order execution, slippage, liquidity, or price feeds

You agree that:

• Your relationship with any Exchange is independent from NAFH.
• You are subject to the Exchange's own terms, policies, and fees.
• NAFH is not liable for any loss or damage resulting from Exchange actions, failures, downtime, or changes.

6. Subscriptions, Fees & Billing

6.1 Subscription Plans

To access full trading and compensation plan benefits, you must maintain an active Subscription (such as monthly, yearly, or other plan types described on the Platform).

• Subscription pricing, features, and durations are displayed in your account.
• We reserve the right to modify Subscription plans and pricing at any time, with reasonable notice where required.

6.2 Subscription Payments

By starting a Subscription, you agree to:

• Pay the applicable fees in the accepted payment method and token (e.g. USDT on supported networks such as BEP20).
• Bear any network fees, Exchange fees, or third-party processing fees.

All Subscription fees are generally non-refundable, except where explicitly required by law or clearly stated otherwise.

6.3 One-Time Affiliate Fee

Certain Compensation Plan benefits are unlocked by paying a one-time affiliate fee (for example, $33).

• This fee is used to fund front-end bonuses such as Quick Start Bonus.
• Details are described in the Compensation Plan and may be updated from time to time.

7. Commission Wallet & Performance Fees

7.1 Performance Fee

NAFH charges a performance-based trading fee (currently 20% of net trading profits), applied only when trades close in profit.

• This fee is not taken from your Exchange directly.
• Instead, it is deducted in crypto from your Commission Wallet on the Platform.

7.2 Funding the Commission Wallet

You are responsible for:

• Ensuring your Commission Wallet has sufficient balance to cover performance fees.
• Funding your Commission Wallet via supported methods (e.g. USDT BEP20 deposits, internal transfers from other wallets such as Affiliate Wallet and NAFH Trade Wallet).

Network fees and sending mistakes (wrong address/network) are at your own risk.

7.3 Low Balance & Negative Balance

• If your Commission Wallet balance falls below a certain threshold (e.g. $20), you will see a warning notification requesting a top-up.
• If a performance fee is due and your Commission Wallet has insufficient funds:
  • Your Commission Wallet may show a negative balance (e.g. you owe $40, but only had $20, so balance becomes -$20).
  • New trades may be paused until you clear the outstanding negative amount by topping up.

You agree that it is your responsibility to:

• Monitor your Commission Wallet
• Respond to warnings
• Clear outstanding fees to allow trading to resume

8. Trading Risk & No Guarantee of Returns

You acknowledge and agree that:

• Crypto trading is inherently risky and volatile.
• Losses can and will occur; you may lose some or all of your trading capital.
• Past performance does not guarantee future results.

NAFH makes no promise of:

• Any fixed return (ROI).
• Recovery of losses.
• Any minimum or maximum trading outcome.

You are solely responsible for determining:

• Whether trading is suitable for you, and
• How much capital to allocate.

You should only use funds that you can afford to lose.

9. Affiliate Program & Compensation Plan

9.1 Participation

Participation in the affiliate program may be optional or required for certain bonuses, depending on your Subscription and the Compensation Plan rules.

You agree that:

• You will not misrepresent earnings potential.
• You will not promise guaranteed returns or income.
• You will comply with marketing policies and local laws.

9.2 Earnings and Plan Changes

Affiliate earnings depend on:

• Subscription activity
• Network growth and retention
• Trading performance and profit pools
• Plan rules, eligibility, and rank requirements

We reserve the right to modify, update, or discontinue the Compensation Plan at any time to ensure sustainability, fairness, or compliance.

9.3 No Franchise or Employment Relationship

Participation as an affiliate or rank holder does not:

• Create a partnership, joint venture, franchise, or employment relationship with NAFH.
• Authorize you to act on behalf of NAFH in any legal or financial capacity.

10. User Conduct & Prohibited Activities

You agree not to:

• Use the Platform for illegal or fraudulent activities.
• Attempt to exploit, hack, reverse-engineer, or disrupt the Platform.
• Manipulate trades, bonuses, ranks, or the Compensation Plan.
• Engage in unauthorized marketing, such as:
  • Misleading income or ROI claims
  • Unsolicited spam

11. Withdrawals, Internal Wallets & External Addresses

11.1 Internal Wallets

NAFH maintains internal wallets (Commission Wallet, Affiliate Wallet, Bonus Wallet, NAFH Trade Wallet) as ledger records.

These balances represent amounts credited and debited within the system.

They are:

• Non-custodial (NAFH does not hold your Exchange capital).
• Not bank accounts and do not earn interest.

11.2 Withdrawals

When you submit a withdrawal request:

• You must meet the minimum withdrawal amount and any other conditions listed in your Wallet / Withdrawal section (e.g. currently $10, network BEP20, etc.).
• You must provide a valid external wallet address on the correct network.
• You are responsible for verifying the address and network-sending to the wrong address or network may result in irreversible loss.

NAFH is not liable for losses or delays resulting from:

• Incorrect or unsupported wallet addresses provided by you
• Network congestion, blockchain issues, or third-party wallet/exchange problems
• Applicable fees charged by blockchain networks, exchanges, or other service providers

We may impose withdrawal limits, scheduling windows, review periods, or temporary holds - including during off-hours based on Singapore time (SGT) - as part of our security, fraud- prevention, and compliance procedures.

12. Intellectual Property

All content on the Platform, including but not limited to:

• Logos, trademarks, branding
• Website and app design
• Text, images, graphics, videos
• Software, algorithms, and tools

is owned by or licensed to NAFH and protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Platform without our prior written consent.

13. Changes to Services and Terms

We may:

• Modify, pause, or discontinue any part of the Services.
• Update Subscription plans, Compensation Plan rules, fees, or features.
• Update these Terms and related policies.

When changes are material, we will provide notice by:

• Updating the "Last updated" date, and/or
• Displaying a notification in your Dashboard, and/or
• Sending an email to your registered address.

Your continued use of the Platform after such changes means you accept the updated Terms.

14. Limitation of Liability

To the fullest extent permitted by law, NAFH and its owners, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages.
• Any loss of profits, revenue, business, or data.
• Any loss arising from:
  • Market movements or trading decisions
  • Exchange downtime, hacks, or failures
  • Incorrect API configuration or security breaches on your side
  • Misuse of the Platform or violation of these Terms

15. Indemnification

You agree to indemnify, defend, and hold harmless NAFH and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Platform;
• Your breach of these Terms;
• Your violation of any law or third-party rights;
• Your misuse of the Compensation Plan or marketing materials.

16. Contact Information

If you have any questions about these Terms or the Platform, you can contact us at:

• Email: support@nafhcircles.com
• Website: https://nafhcircles.com