Terms of Service

1. Introduction

These Terms of Service (the “Terms”) constitute a legally binding agreement between you (“you”, “the Client”) and KingAIVest (“KingAIVest”, “the Firm”, “we”, “us” or “our”), a private investment management firm with its registered office at 72, Ho Chi Minh, Ho Chi Minh City, Vietnam 70000. They govern your access to and use of our website, applications and investment management services (together, the “Services”).

Please read these Terms carefully. By accessing the website, completing onboarding, or entering into an investment management agreement (“IMA”) with the Firm, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not use the Services.

2. Definitions

In these Terms, unless the context requires otherwise: “Account” means the client account established for you; “Assets” means the cash and investments managed under your Mandate; “Custodian” means a regulated third party appointed to hold Assets; “Mandate” means the investment objectives, restrictions and risk profile agreed in your IMA; “Business Day” means a day on which banks are open for general business in Ho Chi Minh City; and “Applicable Law” means all laws, regulations and rules that apply to the Services.

3. Eligibility and investor classification

The Services are offered to private investors who are at least 18 years of age and have full legal capacity to enter into a binding contract in their jurisdiction. We may classify you as a retail or professional client based on the information you provide, and that classification affects the regulatory protections available to you.

We may, at our sole discretion, refuse to open an Account, restrict the Services, or decline any instruction where we consider it necessary to comply with Applicable Law or our internal policies.

4. Onboarding, identity verification and AML

Before we provide the Services you must complete our onboarding process, including Know-Your-Customer (“KYC”) and anti-money-laundering (“AML”) checks. You agree to provide accurate, current and complete information and supporting documentation, and to notify us promptly of any change.

We are required to verify your identity and the source of your funds, and may suspend or terminate the Services, and report to the relevant authorities, where we have reasonable grounds to suspect financial crime. We may be unable to inform you where we are legally prohibited from doing so.

5. Description of the Services

KingAIVest provides discretionary investment management augmented by artificial intelligence. Our proprietary models analyse global markets, news and financial data, and our portfolio managers make and execute investment decisions on your behalf within the parameters of your Mandate.

The Services do not include the provision of personal investment advice, tax advice or legal advice unless expressly agreed in writing. Any general information we provide is not a personal recommendation.

6. Discretionary authority

By entering into an IMA you grant the Firm discretionary authority to make investment decisions and to buy, sell, hold and otherwise deal with the Assets without obtaining your prior approval for each transaction, in each case in accordance with your Mandate and Applicable Law.

You may amend or revoke your Mandate by written notice, which will take effect within a reasonable period after we have acknowledged it and made the necessary operational arrangements.

7. Client obligations, representations and warranties

You represent and warrant that the information you provide is true, accurate and complete; that the funds you invest are lawfully owned by you and free of any undisclosed encumbrance; and that your participation does not breach any law applicable to you.

You are responsible for maintaining the security and confidentiality of your access credentials and for all activity conducted through your Account. You must notify us immediately of any unauthorised access or suspected security breach.

8. Deposits, withdrawals and custody

Assets are held by one or more regulated Custodians in accounts segregated from the Firm’s own assets. The Firm does not take title to your Assets and does not use client Assets for its own account.

Withdrawals are processed in accordance with your IMA and may be subject to settlement periods, minimum-balance requirements, and any restrictions necessary to comply with Applicable Law. We may withhold amounts required to settle outstanding fees, taxes or charges.

9. Fees, charges and expenses

Our fees are set out in the fee schedule provided to you during onboarding and form part of your IMA. We operate a performance-aligned fee model and do not apply undisclosed platform charges.

You are responsible for third-party costs such as custody fees, transaction costs, taxes and levies, which may be deducted from the Assets. We will give you prior written notice of any material change to our fees.

10. Conflicts of interest

The Firm maintains a conflicts-of-interest policy designed to identify and manage situations in which our interests may conflict with yours. Where a conflict cannot be managed with reasonable confidence, we will disclose it to you before proceeding.

11. Reporting and valuations

We provide periodic reporting on the performance and composition of your portfolio. Valuations are based on prices obtained from third-party sources we consider reliable, but we do not guarantee their accuracy, and valuations may be estimated where market prices are unavailable.

12. Investment risk; no guarantee

All investment involves risk, including the risk of loss of some or all of your capital. Past performance and any targeted or illustrative returns are not reliable indicators of future results, and we make no representation or warranty that any objective will be achieved. You should read our Risk Disclosure carefully before investing.

13. Anti-money laundering, sanctions and tax

You must not use the Services for money laundering, terrorist financing, sanctions evasion or any other unlawful purpose. We screen clients and transactions against applicable sanctions lists and may freeze or reject transactions accordingly.

You are responsible for determining and meeting your own tax obligations. We may be required to report information about you and your Account to tax authorities under Applicable Law.

14. Intellectual property

All intellectual property in the website, the Services, our models, software, content and trademarks is owned by or licensed to the Firm. You are granted a limited, non-exclusive, non-transferable licence to use the website and Services for their intended purpose. You must not copy, modify, distribute, reverse-engineer or create derivative works without our prior written consent.

15. Confidentiality

Each party shall keep confidential the non-public information of the other obtained in connection with the Services and use it only for the purposes of the IMA, except where disclosure is required by Applicable Law or made to professional advisers and service providers bound by confidentiality obligations.

16. Data protection

We process personal data in accordance with our Privacy Policy, which forms part of these Terms. By using the Services you acknowledge that your personal data will be processed as described in that policy.

17. Limitation of liability

Nothing in these Terms excludes or limits any liability that cannot be excluded under Applicable Law, including liability for fraud or for death or personal injury caused by negligence. Subject to that, the Firm shall not be liable for any indirect, incidental, special or consequential loss, loss of profit, loss of opportunity, or loss arising from market movements or the acts or insolvency of Custodians or counterparties.

To the maximum extent permitted by law, our aggregate liability arising out of or in connection with the Services shall be limited as set out in your IMA.

18. Indemnity

You agree to indemnify and hold harmless the Firm and its directors, officers and employees against any loss, liability, cost or expense arising from your breach of these Terms or your IMA, from inaccurate information you provide, or from your violation of Applicable Law, save to the extent caused by the Firm’s gross negligence, wilful default or fraud.

19. Term, suspension and termination

These Terms apply for as long as you use the Services or hold an Account. Either party may terminate the IMA in accordance with its terms by written notice. We may suspend or terminate the Services with immediate effect where required by Applicable Law, where you breach these Terms, or where we reasonably suspect financial crime.

On termination, we will arrange an orderly realisation or transfer of the Assets in accordance with your instructions and Applicable Law, after deduction of any outstanding fees, costs and taxes. Provisions that by their nature should survive termination will continue in effect.

20. Force majeure

The Firm shall not be liable for any failure or delay in performing its obligations where such failure or delay results from events beyond its reasonable control, including market closures, failures of communication or settlement systems, acts of government, natural disasters, pandemics, or armed conflict.

21. Amendments

We may amend these Terms from time to time. We will give you reasonable notice of any material change by posting the updated Terms on the website or by other appropriate means. Your continued use of the Services after the effective date constitutes acceptance of the amended Terms.

22. General

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force. Our failure to enforce any right is not a waiver of that right. You may not assign your rights or obligations without our prior written consent; we may assign or transfer ours to a successor or affiliate. These Terms, together with your IMA and the policies referenced in them, constitute the entire agreement between us.

23. Notices

Notices to the Firm should be sent to the registered-office address below or to the contact details provided during onboarding. Notices to you will be sent to the contact details held on your Account and are deemed received when sent.

24. Complaints and dispute resolution

If you have a complaint, please contact us using the details below; we will acknowledge and investigate it in accordance with our complaints procedure. If a dispute cannot be resolved amicably, it shall be referred to the courts identified in the governing-law section.

25. Governing law and jurisdiction

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the laws of the Socialist Republic of Vietnam. The competent courts of Ho Chi Minh City shall have exclusive jurisdiction, subject to any mandatory rights you may have to bring proceedings in your country of residence.

26. Contact

KingAIVest, 72, Ho Chi Minh, Ho Chi Minh City, Vietnam 70000. Please use the contact channels provided during onboarding for account-specific matters.