INVEST4BARAKAH (I4B) – TERMS AND CONDITIONS OF USE

• Account: the user account you create on the Platform.
• AED: United Arab Emirates Dirham.
• USD: United States Dollar.
• Gold/XAU: the gold asset tracked on the Platform.
• Trade: a buy or sell transaction recorded on the Platform relating to Gold.
• Profit Share: the agreed split of realized profit between you and I4B, if applicable.
• Premium: any per-ounce platform premium and/or I4B premium applied to a Trade as displayed on the Platform.

You must be at least 18 years old and have legal capacity to enter into these Terms. You agree that information you provide during registration is accurate and kept up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. Notify us immediately if you suspect unauthorized access.

The Platform provides reporting, recordkeeping, and statements for your Account, including balances, cashflows, open positions, and trade history. Certain features may be available only to specific roles. The Platform may display trade inputs, FX conversion rates (USD/AED), premiums, and profit/loss calculations. Unless you and I4B have a separate written agreement stating otherwise, the Platform itself does not provide personalized investment advice.

Trades are typically entered using USD/oz pricing and converted for reporting into AED using displayed FX rates. FX rates may differ for buy and sell and can affect realized results. The Platform may reserve part of your available balance while a Trade is open. Reserved amounts are not available for withdrawal. You may not open Trades that would result in a negative available balance.

Fees and premiums may apply to Trades and may be reflected as per-ounce amounts, fixed fees, or other charges displayed on the Platform. If a Profit Share applies, it is calculated as shown on the Platform at the time the Trade is closed. In the event of losses, loss allocation follows the same percentage split unless otherwise agreed in writing. Amounts may be rounded for display; minor differences can occur due to rounding and FX conversion.

Client deposits and withdrawals are processed in AED unless otherwise stated. Withdrawals are permitted only up to your available balance after accounting for open Trade reservations and other holds. We may delay or refuse a withdrawal request where required for compliance, security, dispute resolution, or to prevent an account from becoming negative.

The Platform may provide statements and downloadable documents. Statements are generated based on the data recorded in the Platform at the time of generation. You are responsible for reviewing your statements and notifying us promptly of suspected errors.

Trading or investing in gold involves significant risk, including loss of principal. Prices may be volatile. FX conversion rates and spreads can materially impact profit/loss when converting between USD and AED. Past performance is not indicative of future results. Consider your circumstances and consult independent professional advisers.

We may request identification and other information to comply with applicable laws and internal policies. You agree to provide accurate information and authorize verification checks where permitted.

We process personal data to provide the Platform, communicate with you, and maintain security and compliance. We may send operational notices to your registered email or phone.

Do not use the Platform for unlawful activities or fraud. Do not attempt unauthorized access. Do not introduce malware or interfere with operation.

The Platform is owned by I4B or its licensors and is protected by intellectual property laws. You may use the Platform only for its intended purpose.

We may suspend or terminate access if you violate these Terms, pose a security risk, or if required for compliance. You may request closure of your Account subject to settlement of obligations.

The Platform is provided “as is” and “as available”. We do not guarantee uninterrupted or error-free operation. To the maximum extent permitted by law, I4B is not liable for indirect or consequential damages. I4B’s total liability will not exceed fees paid by you to I4B in the three (3) months preceding the event giving rise to the claim.

You agree to indemnify and hold harmless I4B from claims and expenses arising from your breach of these Terms, misuse of the Platform, or violation of law.

We may update these Terms from time to time. Continued use after changes become effective constitutes acceptance.

These Terms are governed by the laws of the Emirate of Dubai and applicable federal laws of the UAE. The courts of Dubai have exclusive jurisdiction.

Support and notices: talha.syed@i4b.capital

By checking the acceptance box during registration, you confirm that you have read, understood, and agree to these Terms.