1. Overview

1.1 The CoinEx Dual Investment Products (the “Dual Investment Products”) and the services related thereto (the “Services”) are provided by CoinEx Platform (“CoinEx”, the “Company”, “we” or the “Platform”) as non-principal-protected digital asset investment products. CoinEx does not guarantee any return, and users may incur partial or total loss of their invested principal.

1.2 These Terms and Conditions (the “Terms”) constitute the entire agreement between you (the “User” or “you”) and CoinEx with respect to the Dual Investment Products and the Services and are legally binding. By accessing or using the Services, you hereby acknowledge that you have read, understood, and agreed to be bound by these Terms, including any modifications or updates published from time to time, which incorporate risk disclosures, limitations of liability, and restrictions on user rights.

1.3 These Terms shall be read in conjunction with CoinEx Platform’s User Agreement, Privacy Policy, and other applicable agreements (collectively, the “Relevant Agreements”). In the event of any inconsistency between these Terms and the Relevant Agreements, these Terms shall prevail.

1.4 You hereby acknowledge that you fully understand the nature, risks, and potential losses of the Dual Investment Products and confirm that any investment decisions shall be made independently based on your own circumstances. You shall seek professional advice regarding investment, legal, tax, or financial matters if you have any doubts.

1.5 CoinEx reserves the right, at its sole discretion, to modify, amend, or update these Terms and the Relevant Agreements at any time. Any such amendments shall take effect upon publication on the Platform. Your continued use of the Services shall constitute your acceptance of the amended Terms.

2. Eligibility to Use the Services

2.1 User Eligibility Declaration

You hereby represent and warrant that:

a. If you are an individual, you have attained the minimum legal age under applicable law and possess full legal capacity to enter into and perform your obligations under these Terms;

b. If you are a legal entity or organization, you have obtained all necessary corporate or organizational approvals, and you are duly authorized to bind such entity to these Terms;

c. You possess the necessary investment experience and risk assessment capabilities to use the Services and fully understand that investments in the Dual Investment Products may result in loss of principal;

d. All funds used for investments are lawful, genuine, and verifiable.

2.2 User Representations and Undertakings

You hereby agree and undertake that:

a. You shall not use the Services for any unlawful or prohibited purpose, including, without limitation, money laundering, fraud, terrorist financing, or market manipulation;

b. You shall not engage in any conduct that may harm the Platform, other users, or market order;

c. You fully understand and accept all risks arising from your use of the Services and shall bear all investment losses;

d. You shall indemnify, defend, and hold harmless CoinEx and its affiliates from any losses, liabilities, damages, or costs (including reasonable attorneys’ fees) incurred as a result of your breach of these Terms or applicable law.

3. User Acknowledgements

You hereby acknowledge and agree that:

a. You are aware of and accept the target price, investment currencies, and quantities of the investment product;

b. Settlement and crediting of funds at maturity may be subject to reasonable delays. Any indicated annualized returns are for reference only and are not guaranteed. Actual returns shall be determined solely based on final settlement;

c. Subscription funds will be temporarily held in the Platform account, and the final credited amount shall be determined based on actual settlement records. CoinEx makes no representation or warranty regarding the value of temporarily held funds;

d. All Dual Investment Products are non-revocable and cannot be redeemed early once subscribed.

4. Dual Investment Services

4.1 Users may subscribe for designated Dual Investment Products on the Platform and pay the corresponding investment currencies. All funds shall be locked until the product matures, is redeemed, or is terminated early by the Platform.

4.2 The Platform may adjust order processing and confirmation procedures at its discretion and shall not be liable for any unavailability of funds or subscription failures caused by system delays, operational issues, or third-party services.

4.3 Upon product maturity, the Platform shall determine the settlement currency and payable amount based on the target and maturity prices. Funds shall be returned to the user account according to the Platform’s schedule. CoinEx does not guarantee the timing of settlement and shall not be liable for losses arising from market fluctuations or third-party data. Users acknowledge that annualized returns are indicative only; actual returns are subject to final settlement.

5. Early Termination

5.1 The Platform may, at its sole discretion, terminate the Dual Investment Products prior to maturity under the following circumstances:

a. Compliance with regulatory requirements or applicable law;

b. Force majeure or other unforeseen events preventing the provision of Services;

c. Market anomalies, operational risks, or other reasonable causes, including, without limitation, third-party service interruptions, system failures, or extreme market price volatility.

5.2 Users acknowledge and agree that the Platform shall not be liable for any settlement differences, operational delays, third-party service interruptions, or other related risks arising from early termination.

5.3 Users shall bear all investment risks, including, without limitation, any loss or fluctuation of principal or returns resulting from early termination.

6. Risk Disclosure and Limitation of Liability

6.1 Key Risks

Users acknowledge and agree that the use of the Services involves, without limitation, the following risks:

a. High volatility of digital asset prices, potentially resulting in partial or total loss of investment principal;

b. Market and liquidity risks;

c. Technical or system failures, cyberattacks, or operational errors, which may result in transaction failure, delayed or lost funds;

d. Early termination of Services by the Platform, force majeure events, or third-party service disruptions (including, without limitation, erroneous or delayed pricing data) which may impact returns or fund settlement;

e. Other unforeseeable circumstances that may affect investment returns or fund settlement.

6.2 Limitation of Liability

Users agree that:

a. CoinEx shall not be liable for any direct, indirect, incidental, special, consequential, or punitive loss or damages, including, without limitation, losses of funds, profits, or business interruption, arising from the use or non-use of the Services;

b. CoinEx shall not be responsible for any acts, omissions, errors, or delays of third-party service providers, including, without limitation, erroneous data, delayed settlement, or other disruptions;

c. All investment decisions are made independently by the User. CoinEx does not provide investment advice and shall not be responsible for investment outcomes.

6.3 Enforcement Measures

If a User violates these Terms or Platform rules, CoinEx may, at its sole discretion, take measures including, without limitation, restricting account functions, freezing or deducting funds, canceling orders, or suspending or terminating accounts.

Users acknowledge that CoinEx shall not be liable for any losses arising from such measures. Taking such measures does not constitute a waiver of rights nor limit CoinEx’s right to enforce any other remedies.

7. User Indemnification

Users agree to indemnify, defend, and hold harmless CoinEx and its affiliates from and against any loss, liability, claim, or expense (including reasonable legal or arbitration fees) arising from:

a. Violation of these Terms or Platform rules;

b. Unauthorized or illegal use of the Services;

c. Breach of applicable laws or infringement of third-party rights;

d. Allowing third parties to access or operate the account.

Users shall take all reasonable measures to protect CoinEx and its affiliates and cooperate with any legal or administrative proceedings upon request. Indemnification obligations shall not be reduced by the exercise or waiver of any other rights of CoinEx.

8. No Investment, Legal, or Tax Advice

8.1 Users acknowledge that any information, data, or communications provided by CoinEx do not constitute investment, legal, financial, or tax advice.

8.2 Users shall make independent investment decisions and conduct transactions at their own risk. CoinEx shall not be responsible for any outcomes of such decisions.

8.3 Users shall bear all risks and losses arising from their decisions.

9. Third-Party Services and Website Disclaimer

9.1 Users acknowledge that the Platform may contain links to third-party websites, services, or content (the “Third-Party Services”). CoinEx makes no express or implied representations or warranties regarding the content, availability, accuracy, or legality of any Third-Party Services.

9.2 Users shall use Third-Party Services at their own risk. CoinEx shall not be liable for any direct or indirect losses arising therefrom.

9.3 Users shall comply with all applicable terms, rules, and policies of any Third-Party Services. Nothing in these Terms shall create an agency, employment, partnership, or joint venture relationship between CoinEx and any third party.

10. Governing Law and Dispute Resolution

10.1 These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the British Virgin Islands (BVI), without regard to its conflict of law principles.

10.2 Any dispute arising out of or in connection with these Terms shall be submitted to the Singapore International Arbitration Centre (SIAC) for final and binding arbitration. The arbitral award may be enforced in any court of competent jurisdiction. The seat of arbitration shall be Singapore, and the proceedings shall be conducted in English.

11. Miscellaneous

11.1 CoinEx may unilaterally amend these Terms. Amendments shall take effect upon publication on the Platform. Continued use of the Services constitutes acceptance of such amendments.

11.2 If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11.3 In the event of multiple language versions of these Terms, the English version shall prevail.