Terms and Conditions of Service

Welcome to FibWealth ("Company," "we," "us," or "our"), accessible via fibwealth.com. These Terms and Conditions ("Terms") constitute a legally binding contract between you ("User," "Investor," or "Affiliate") and FibWealth. By registering an account, accessing the platform, completing identity verification, or deploying capital, you unconditionally accept and agree to be bound by these Terms, alongside our Privacy Policy, AML/KYC Policy, and Risk Disclosure.

If you do not agree with any provision of these Terms, you are strictly prohibited from using our services and must cease access immediately.

FibWealth operates exclusively as an algorithmic yield allocation and investment tracking platform. You explicitly acknowledge, understand, and agree to the following operational boundaries:

• No Brokerage or Live Execution: FibWealth does not operate as a retail broker, exchange, or trading terminal. The platform provides no live trading functionality; there are no Buy/Sell execution buttons, market/limit/stop orders, copy trading mechanics, or direct broker execution capabilities.
• Read-Only Market Data: All integrated charting tools, including third-party TradingView components, are strictly read-only and provided exclusively for informational, analytical, and performance-tracking purposes.
• Algorithmic Yield Distribution: Daily profit distribution is automatically calculated by our proprietary system, allocating funds based on an investor's eligible Effective Investment relative to the total platform pool.
• No Financial Advice: Nothing contained on FibWealth constitutes investment, financial, legal, or tax advice.

To protect our financial infrastructure and comply with global regulatory frameworks, including Financial Action Task Force (FATF) guidelines, strict identity and security protocols are enforced.

• Mandatory Verification: All users must successfully pass strict Know Your Customer (KYC) and Anti-Money Laundering (AML) verifications before making deposits, activating investments, or requesting withdrawals.
• Credential Liability: Users are solely responsible for securing their accounts. FibWealth enforces mandatory Multi-Factor Authentication (2FA) for administrative and sensitive user actions. We accept no liability for losses resulting from compromised user credentials, phishing, or local device security breaches.
• Immutable Ledger Logging: All financial transactions, security events, and account modifications are recorded on a mathematically audited, immutable double-entry ledger. Financial records are permanent, append-only, and never hard-deleted.

Capital deployed on FibWealth is subject to strict algorithmic accounting rules.

• Effective Investment Calculation: Daily allocated profit is calculated against the user's full "Effective Investment." Effective Investment is defined strictly as the sum of the User's Cash Investment plus any active Promotional Deposit Bonus.
• Reinvestment Limitations: Users may choose to internally reinvest finalized profits to compound returns; however, internal reinvestments strictly do not qualify for new promotional deposit bonuses or direct affiliate commissions.

FibWealth offers a dynamic Deposit Bonus Program subject to unalterable, automated backend controls to ensure platform liquidity and prevent arbitrage.

• Dynamic Qualifying Tiers: Qualifying external cash deposits receive a matching bonus based on active promotional tiers (which may be fixed amounts or percentage matches). The applicable tiers, thresholds, and match rates are dynamically calculated and displayed on the platform at the time of your deposit.
• Immediate Yield Participation: Awarded deposit bonuses immediately participate in the daily profit calculation from Day 1 of investment activation.
• Cash Capital Lock: Investor-funded cash capital is subject to a strict maturity lock and becomes eligible for withdrawal only after 30 complete days from the timestamp of investment activation.
• Bonus Principal Lock: The promotional bonus principal remains locked for 60 complete eligible holding days before maturing into unrestricted withdrawable capital.
• Early Withdrawal Clawback (Anti-Arbitrage): If a user initiates a withdrawal of their qualifying cash investment before completing the 60-day bonus holding requirement, the associated locked bonus is atomically and instantly forfeited. Previously finalized profit generated by the bonus remains the property of the user and is untouched.

To protect platform liquidity and prevent double-spending, all withdrawal workflows are governed by automated backend enforcement.

• Profit & Affiliate Withdrawal Window: The withdrawal window for realized daily profit and affiliate commission earnings is strictly restricted to Saturday and Sunday (UTC). This schedule is mandatorily enforced by database procedures and cannot be manually bypassed.
• Source Specification: Users must explicitly define the source of their withdrawal request (PROFIT, CAPITAL, BONUS, or AFFILIATE).
• Fund Reservation & Deficit Evaluation: Withdrawal requests instantly reserve eligible funds on the ledger to permanently prevent double-spending exploits. Affiliate withdrawal requests are evaluated net of any outstanding affiliate deficit.

The FibWealth Affiliate Program is governed by precise, non-negotiable rules to prevent mercenary exploitation and incentivize genuine network growth.

• Active Relationship Status: Commissions are credited exclusively while an active referral relationship exists in referral_relationships (status = 'ACTIVE'). Pending, suspended, or rejected relationships bypass commission generation entirely.
• Direct Commission: Affiliates earn a flat 5% one-time direct commission exclusively on the initial qualifying external cash investment made by their active referrals upon compliance clearance. Subsequent deposits, internal reinvestments, and platform-funded deposit bonuses strictly do not generate direct commissions.
• Lifetime Yield Commission: Affiliates earn a 2% lifetime commission exclusively on the referred investor's finalized daily profit. This 2% is never calculated against the referral's principal, total balance, bonus pool, or Effective Investment.
• Deficit Accounting: In the event of distribution adjustments or reversals, commission clawbacks are tracked via database deficit accounting and recovered from subsequent earnings or refunded withdrawals prior to releasing liability.

FibWealth maintains a zero-tolerance policy against network abuse, platform gaming, financial arbitrage, or circumvention of capital locks.

• Automated Enforcement: Any attempt to circumvent capital holding periods will result in atomic database clawbacks of promotional funds, recorded immutably on the ledger as a forfeiture.
• Prohibited Conduct: Users may not reverse-engineer the platform, deploy automated scraping bots, exploit API endpoints, manipulate decimal precision, or engage in multi-accounting to farm bonus allocations or affiliate commissions.
• Account Suspension and Ledger Corrections: FibWealth reserves the unilateral right to freeze, suspend, or terminate accounts suspected of fraud, AML violations, or Terms breaches. FibWealth does not silently edit or delete financial history. Any necessary administrative financial adjustments are executed as explicit, audited reversal or correction entries.

Please read this section carefully, as it affects your legal rights.

• Mandatory Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms, the platform, or the breach thereof, shall be finally resolved by binding arbitration rather than in court.
• Class Action Waiver: You and FibWealth agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You expressly waive any right to participate in a class-action lawsuit or class-wide arbitration.

To the maximum extent permitted by applicable law, FibWealth, its executives, developers, and administrative officers shall not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages, including lost profits or reputational harm.

• Platform Operations: We are not liable for damages resulting from platform downtime, third-party API provider failures, blockchain network latency, or the user's misunderstanding of the platform's locked financial mechanics.
• Force Majeure: FibWealth shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, governmental restrictions, market-wide liquidity crises, cyber-attacks, or banking infrastructure failures.

All content, design systems, algorithms, quantitative models, UI/UX layouts, and trademarks displayed on fibwealth.com are the exclusive intellectual property of FibWealth. Unauthorized reproduction, distribution, mirroring, or reverse-engineering of our platform architecture is strictly prohibited and will be prosecuted to the fullest extent of the law.

FibWealth reserves the right to update, modify, or amend these Terms at our sole discretion. Any systemic changes affecting capital eligibility, bonus structures, profit distributions, affiliate commissions, or withdrawal rules will be formally documented and applied to the platform. Continued use of the platform following the posting of any modifications constitutes your binding acceptance of the revised Terms.