1. BACKGROUND
Welcome to Minotaur Trading Systems, an information and educational website and service. This is a legally binding agreement regarding your use of this website, any related websites, blogs, newsletters, online and in-person courses, services and products, offered now or in the future (“Services”, “Platform”) by Kosvas Pty Ltd (“minotaur trading systems”, “us”, “we” “our”) by you (“user”, “you”, “your”). Our services are offered to you based on your acknowledgement, acceptance and agreement to these terms of service, disclaimers and notices (“terms”) and our privacy policy. Your continued use of our website and services constitutes your informed consent and agreement with these terms. If you have any questions about these terms, please contact us at admin@minotaurtradingsystems.comtradingsystems.com. If for any reason or at any time you do not fully agree to be bound by these terms, you agree to immediately cease using our services and this website.

We reserve the right, in our sole discretion, to change these terms of service or implement new conditions for use of this website and our services from time to time. The most current version of the terms as posted on this page will supersede all previous versions. We encourage you to periodically review these terms to understand any changes or new conditions. You acknowledge that by continuing to use our websites or services after we post any such changes, you knowingly agree to the terms of service, as modified. We reserve the right, in our sole discretion, to terminate your access to our websites and services or any portion thereof, at any time, without notice.

2. YOUR PROMISES TO US
By using our website and services you represent and warrant that:

a) All registration information you submit is truthful and accurate;
b) You will maintain the accuracy of such information;
c) You will keep your password confidential and will be responsible for all use of your password and account, and will not allow others to use your password or account to access the services;
d) You are not a minor in the jurisdiction in which you reside or if a minor, you have received parental permission to use this website; and
e) Your use of our website and services does not violate any applicable law or regulation.

You also agree to:

A. Provide true, accurate, current, and complete information about yourself as prompted by our website’s registration form; and
B. Maintain and promptly update your registration data to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or we have a reasonable ground to suspect that such information is untrue, inaccurate, not current or incomplete, you acknowledge that Kosvas Pty Ltd has the right to suspend or terminate your account and refuse any and all current or future use of the website (or any portion thereof).
3. INTELLECTUAL PROPERTY RIGHTS
All material contained on our website or provided through our services, including but not limited to the text, graphics, logos, icons, images, audio and video clips, articles, posts and data, is owned by Kosvas Pty Ltd, our affiliates or licensors and protected by copyright, trademark, trade secret, trade dress and other intellectual property laws. You may not use the information or material contained on this website or our services in a manner that constitutes an infringement of our rights or without our authorization. You agree to use this website and our services solely for your personal non-commercial use. You specifically acknowledge and agree that you may not modify, copy, reproduce, republish, create derivative works, upload, post, transmit, sell, exploit, translate, or otherwise distribute in any manner through any medium any material from this website or provided through our services. No portion of the materials or content on our webpages or provided through our services may be reprinted or republished in any form without our express written permission. Without limiting the generality of the foregoing, we provide a limited license to you to download or print one copy of individual webpages or documents on our website or provided through our services for your personal, non-commercial use, provided any documents retain all original copyright and other notices or attributions.

You acknowledge, agree and promise that you will not:

1. Use a robot, spider, ai, or data mining or extraction tool, program or process to monitor, extract or copy any our website content;
2. Use any meta tags, search terms, key terms, links, code or related SEO or marketing tool that contain any names or trademarks used in our website, services, or business;
3. Engage in any activity that interferes with our websites or services, or any other user’s ability to use our websites or services;
4. Modify, create derivative works from, reverse engineer, decompile or disassemble any technology used to provide our services;
5. Assist or encourage any third party to engage in any activity prohibited by these terms of service.
4. YOUR LICENSE TO US
By posting or submitting any material including, without limitation, comments, blog entries, postings, photos and videos to us via our websites, blogs, internet groups, social media or other public platforms, or to any of our staff via email, text or otherwise, you represent that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and you are thirteen years of age or older. In addition, when you submit, email, text , deliver or post any material, you are granting us, and anyone we authorize, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, distribute, modify, exploit, transmit, sell, create derivative works, or publicly perform or display such material, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose. The foregoing grant includes all rights to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, our assigns, and anyone authorized by us the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate.

You acknowledge and agree that Kosvas Pty Ltd retains all rights, title, and interest in and to all copyrights, trademarks, trade secrets, patents, and any other proprietary rights in the Platform, the software and application programming interfaces (APIs) comprising the Platform, and all content therein. You acknowledge and agree that “Minotaur Pty Ltd”, their trademarks, service marks, logos and graphics are the registered trademarks or trademarks of Kosvas Pty Ltd.

You are not permitted to create, for commercial use, fan art (tokenised or physical), merchandise, or similar content stemming from the Platform and its affiliated links and projects. If you create any fan-art for personal, non-commercial use, the artwork must clearly state “Minotaur Trading Systems Fan Art”, and include a link to the Platform at . Kosvas Pty Ltd reserves the right to determine if something is fan art/merchandise or not.

5. MEDIA CREATED BY YOU
You acknowledge and agree that any contributions originally created by you for us shall be subject to the applicable provisions under Australian copyright law. To the extent permitted by Australian law, you agree that we shall have the exclusive rights to exploit any or all of the results and proceeds in any and all media, now known or developed in the future, for an indefinite period, and in all languages, as we determine in our sole discretion. The copyrights in those works shall be owned by Kosvas Pty Ltd from the time of their creation. We shall be deemed the author and exclusive owner thereof.

In the event that any of your contributions do not fall under the relevant provisions of Australian copyright law, you separately agree, without additional compensation, to irrevocably assign, convey, and transfer to us all right, title, and interest in and to all proprietary rights, including without limitation, all copyrights and trademarks, for an indefinite period in every medium, whether now known or developed in the future.

If any posted material is a reproduction of your prior work, you agree that upon posting, it shall be co-owned by us with the same rights described in this paragraph to the extent permitted by Australian law.

You acknowledge that we have the right, but not the obligation, to use and display any postings or contributions of any kind and that we may elect to cease the use and display of any portion or all of the materials, at any time for any reason.

6. DMCA NOTICES
We respect intellectual property rights. For claims of copyright infringement, or you believe your rights are otherwise infringed or violated by anything our website, please notify us by sending an email at the following address: admin@minotaurtradingsystems.comtradingsystems.com with “DMCA” in the subject line, or by mail or courier to us at Kosvas Pty Ltd, 2C/11 Banksia Drive, Byron Bay, Australia 2481.

Your written notification should include all of the following:

a) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
b) Identification of the copyrighted work claimed to have been infringed or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
c) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material.
d) Reasonably sufficient information to permit us to contact the complaining party, such as name, address, phone number and e-mail address.
e) A statement that the complaining party has a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
f) A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
We will terminate the accounts of users who infringe our copyrights or those of others seriously or repeatedly.

7. ERRORS AND INACCURACIES
We strive to provide complete, accurate, up-to-date information on the website; however, human or technological errors may occur. The website may contain typographical mistakes, inaccuracies, or omissions, some of which may relate to pricing and availability of products or events we promote, and some information may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions, including after you submit an order and to change or update information at any time without prior notice.

You acknowledge that the particular technical specifications and settings of your computer and its display could affect the accuracy of its display of the colours and look of products offered on the website.

8. THIRD-PARTY CONTENT AND ACCEPTABLE USE
Our current and future websites, blogs, third-party platforms or other methods of delivering our services, may now or in the future contain interactive portions, such as forums, message board, blogs, or other types of interactive features that allow you as a user to post content on, including but not limited to, our website, blog, and third-party platforms. You understand and acknowledge that we have no obligation to actively monitor any interactive portions, including but not limited to posts and messages, but we reserve the right to do so. We are not responsible for, nor do we vouch for the accuracy of, the content of any user comments or other content posted or uploaded by a user or written and uploaded by others. You acknowledge that user comments and other content posted or uploaded by a user or others express the views and opinions of the author and do not necessarily reflect our views or opinions. We reserve the right, in our sole discretion, to edit, delete, or refuse to post any third-party content for any reason.

If you believe that any third-party content is inaccurate, objectionable, or violates these terms or the law, please contact us at admin@minotaurtradingsystems.comtradingsystems.com. Please provide us with detailed information about the nature and location (such as URL) of the alleged objectionable material so that we may easily locate and investigate.

You shall not use the website for any illegal purposes, and you agree to use it in compliance with all applicable laws and regulations. You shall not use the website in a way that may cause the website to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website is in any way impaired. You agree not to attempt any unauthorized access to any part or component of the website.

Without limiting the generality of the foregoing, you agree that you will not:

1. Upload, post, email or otherwise transmit any material or other content that:
a. Is defamatory, libelous, disruptive, threatening, invasive of a person’s privacy, harmful, abusive, harassing, obscene, hateful, or racially, ethnically or otherwise objectionable; or that otherwise violates any law;
b. Contains software viruses or any other computer codes, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
c. Infringes any person or entity’s intellectual property rights (including but not limited to, patent, trademark, trade secret, trade dress, copyright or other intellectual property right).
2. Impersonate any person or entity or otherwise misrepresent your identity or affiliation with a person or entity.
3. Repeatedly post the same or similar message (“flooding”) or post excessively large or inappropriate images or content.
4. Distribute or publish unsolicited promotions, advertising or solicitations for funds, goods or services, including but not limited to, junk mail, spam and chain letters.
You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password, regardless of whether such use is authorized by you or not.

In the event you choose to communicate or meet with other users of the website or services, you acknowledge and agree that you do so at your own risk. We do not, and have no obligation to, verify the identity of or otherwise screen users for any reason. You acknowledge that there are risks, including the risk of physical harm, when dealing with strangers or people acting under false pretences. You assume all risks associated with dealing with other users with whom you may come in contact through the website or services.

Our website and services are intended for users 18 years old and over. We will not knowingly allow any user less than 18 years of age to submit any third-party content to our websites or services.

Kosvas Pty Ltd reserves the absolute right to remove any content you post on, or restrict or deny your access to, our website, our social media accounts, forums or third party platforms, or if we determine, in our sole discretion, if your posts, use or other actions violate any of our policies or this agreement.

9. THIRD PARTY SITES AND SERVICES
As part of our services, we may provide you with convenient links to third party website(s) (“third party sites”) as well as content or items belonging to or originating from third parties (the “third party applications, software or content”). These links are provided as a courtesy to you. You understand and acknowledge that we have no control over third party sites or third-party applications, software or content or the promotions, materials, information, goods, or services available on these third party sites or third party applications, software or content. Such third party sites and third party applications, software or content are not investigated, monitored or checked for accuracy, appropriateness, or completeness, and we are not responsible for any third party sites accessed through our website or services or any third party applications, software or content posted on, available through or installed from our website or services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the third party sites or the third party applications, software or content. Inclusion of, linking to or permitting the use or installation of any third party site or any third party applications, software or content does not imply our approval or endorsement. If you decide to leave our website and access the third party sites or to use or install any third party applications, software or content, you do so at your own risk and you should be aware that our terms and policies, including these terms of use, no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any third-party site to which you navigate from our website or relating to any applications you use or install from the third party site.

10. THIRD-PARTY LINKS
Certain sections of the website may allow you to purchase different products and services that are provided by third-parties (“affiliate links”). We are not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from an affiliate on our site or on an affiliate’s site through a link from our website, blog, or through our services, the information

obtained during your visit to the affiliate’s online store or website, and the information that you give as part of the transaction, such as your debit or credit card number and contact information, may be collected by both the affiliate and us. Affiliates, payment processors, merchant banks, gateways, fulfillment services and third-party websites may have terms and conditions, privacy and data collection practices that are different from ours. We have no responsibility or liability for affiliate or third-party websites or services. You should review each site’s information links or contact the third-party directly with any questions. You can view our privacy policy at [URL] to see why we collect and how we use and store your data. You agree that we shall not be responsible or liable for any loss, damage, or other matters of any sort resulting from your use of any third-party websites or services.

11. ORDERS, SALES, AND RETURNS
Nothing on our website constitutes a binding offer to sell products as described or make products available in your area. We reserve the right at any time after receipt of your order to accept or decline your order, or any portion thereof, in our sole discretion, even after your receipt of an order confirmation or after your credit card has been charged. All prices shown on the website or through our services are in US dollars, and we only accept payment in US dollars. In the event an incorrect price is listed for a product, we reserve the right to refuse or cancel your order for the product regardless of whether the order has been confirmed or your debit or credit card charged. If your debit or credit card is charged for a purchase and your corresponding order is cancelled, we will credit to the account charged in compliance with the payment processor and debit or credit card issuer’s policies.

12. RESPONSIBLE USE OF SERVICES
You agree that you are financially responsible and promise to pay for all purchases made by you or anyone acting on your behalf through our website or services. We accept payment for our services and products through our third-party payment processors. If you enter incorrect payment, billing or contact information it will delay processing of your order. Your credit card will be billed upon acceptance of your order. You further authorize us, and our payment processors, to charge the debit or credit card provided for any purchases, subscriptions, memberships, renewals, or other charges ordered through our websites or services.

You agree to use any products or services purchased through our website or services only for legitimate, non-commercial purposes. You agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or someone who has authorized you to do so. When making a purchase for a third party that requires you to submit the third party’s personal information, you represent that you obtained the knowing and express consent and authorization of the third party to provide their personal information.

13. TAX
You agree to pay any applicable sales tax and authorize us to charge the debit or credit card provided automatically for all applicable sales taxes. You acknowledged that you remain responsible as the customer to report any purchases of tangible personal property that have not been taxed by us and pay the applicable sales or use tax on those purchases, unless exempt, under local state law. If your order is shipped outside of the us or Australia, once your order arrives at its destination, you will be required to pay all import duties, customs and local sales taxes levied by the country where you requested shipment in order to release your order from customs. International duties and taxes will be marked “bill to recipient.” We are not responsible for orders not accepted due to failure to pay duties and taxes. International shipping, duty, and taxes are non-refundable in the event of a return or exchange.

14. REFUND & CANCELLATION POLICY
Terms of purchase and refund policy: Kosvas Pty Ltd and all subsidiaries or affiliated brands stand behind all of our products, and your satisfaction is very important to us. All purchases made from us (including all related website properties, sales over the phone, and live events) are covered by the following policies. Please be advised that there are no refunds or cancellations under any circumstances.

As part of our commitment to transparency and fair business practices, we want to emphasize that we provide our service upon your acceptance of our contract before payment. Consequently, we do not entertain any requests for refunds or cancellations for our services within the ‘Digital Agent System.’ This implies that once you make a purchase, it is considered final, and no refunds or cancellations will be granted.

Kosvas Pty Ltd, and all subsidiaries or affiliated brands, stand behind all of our products, and your satisfaction is very important to us. All purchases made from us (including all related website properties, sales over the phone, and live events) are covered by the following policies. Please note that there are no refunds under any circumstances. You may read more about our refund policy at https://minotaurtradingsystems.comtradingsystems.com/policy/

15. NO REFUND ON DIGITAL PRODUCTS
There is no refund at all on any digital products. You will receive access to the digital agent members portal for the amount of time that was stated on the product terms you purchased. If you have any problems accessing the digital content you have purchased, please contact our customer service department at admin@minotaurtradingsystems.comtradingsystems.com.

16. SERVICE REFUND POLICY
There are absolutely no refunds or cancellations for any of the services we offer. All digital and downloadable products sales are final. We do not offer digital product refunds, and once a download/digital access has been assigned to you there is nothing we can retrieve back. You may read more about our refund policy at https://minotaurtradingsystems.comtradingsystems.com/policy/.

17. NO GUARANTEE OF RESULTS
We do not guarantee specific outcomes from trading, and we do not offer financial advice. Successful trading demands diligence, dedication, and skill. It is essential to seek guidance from your financial advisors. The success stories of our clients are individual results and should not be regarded as typical or expected. Achieving one’s trading objectives requires proper education and persistent effort. Please be aware that refunds will not be issued for services not rendered, whether due to a lack of necessary documentation from the client or the client’s decision to withdraw. Our guarantee applies solely to the services we have provided.

Furthermore, it is expressly understood that the market conditions, economic factors, and individual circumstances can vary, influencing trading outcomes. Therefore, while we strive to provide valuable services, we cannot assure or predict specific results. Clients are encouraged to make informed decisions based on their own assessments and in consultation with their financial advisors.

18. INFORMATION FOR EDUCATIONAL PURPOSES ONLY
Information contained in our website or through our services is general in nature and not intended to address your individual situation and given solely for informational and educational purposes. We do not intend, nor should you rely on it, as specific advice, or recommendations for any investment decisions. The only purpose of information provided in this website or through our services is for general education.

19. DISCLAIMERS
We make no warranties, express or implied, in relation to the accuracy of any information on the website or provided through our services or the success users will have as a result of the products sold on our website or services provided. Our website, services, and products are sold on an “as is” and “as available” basis without any representations. We make no warranties of any kind, whether express or implied, in relation to the website, information provided through our services or the products sold, including but not limited to, implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, accuracy, condition or completeness, or any implied warranty arising from any course of dealing or usage or trade.

We make no warranty that our websites, blogs or other platforms will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the website or the server that makes it available are free of viruses or bugs or are fully functional, accurate, or reliable.

20. LIMITATIONS ON LIABILITY
Under no circumstances, including but not limited to negligence, shall Kosvas Pty Ltd, its owners, officers, managers, employees, agents or affiliates be liable for any direct, indirect, incidental, special, punitive or consequential damages that result from the use of, or the inability to use, the site, including any messaging, blogs, comments of others, books, emails, products, services, or third-party materials, products, or services made available through our website, services or by us in any way, even if we are advised beforehand of the possibility of such damages. You agree that in any event, the total maximum liability of Kosvas Pty Ltd arising out of or related to this agreement will not exceed the purchase price paid.

Some jurisdictions do not allow the exclusion or limitation of certain categories of damages. In such jurisdictions, our liability and the liability of any subsidiary or parent companies, or affiliates is limited to the fullest extent permitted by such state law. You specifically acknowledge and agree that we are not liable for any defamatory, offensive, or illegal conduct of any user. If you are dissatisfied with the site, any materials, products, or services on the site, or with any of the site’s terms, your sole and exclusive remedy is to discontinue using the site, products, services, or materials. We continually update and develop this website and we make no warranty of any kind, implied or express, as to its accuracy, completeness, or appropriateness for any purpose.

Additionally, we will not be liable for any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings) or any loss of goodwill or reputation, or any loss or corruption of data, or any special or indirect or consequential losses arising out of your use of our websites or services whether or not such losses were within the contemplation of us at the date on which the event giving rise to the loss occurred. This includes but is not limited to any injury caused by any viruses, bugs, human action or inaction or any computer system, phone line, hardware, software, or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections, whether based on warranty, contract, tort, negligence, or any other legal theory.

21. INDEMNIFICATION
You agree to be fully responsible for, and fully indemnify us against, all claims, liability, damages, losses, costs and expenses, including legal fees, suffered by us and arising out of any third-party content you post to our websites or services, any breach of your representations and warranties or these terms of service by you or any person accessing our websites or services using your computer or internet access account, and any other liabilities arising out of your use of our websites or services.

22. CHOICE OF LAW, JURISDICTION AND BINDING ARBITRATION
By visiting our website or using our services, you acknowledge and agree that these terms and all claims arising out of or related to it or our services, shall be governed solely by the internal laws of the state of New South Wales, Australia, including without limitation applicable Commonwealth law.

We and you agree that in the event of any dispute, the party wishing to address the dispute must first contact the other party in writing, including by e-mail, and advise the other party of the dispute in reasonable detail as well as informing the other party of the remedy being sought. The parties shall then make a good faith effort to resolve the dispute through negotiation and mediation, before resorting to more formal means of resolution. In the event that the dispute is not resolved through a good faith effort through this informal procedure, the party raising the dispute may proceed to mandatory arbitration as set forth below.

The parties agree that should the informal process set forth in the preceding paragraph fail to resolve any dispute between us, then any and all disputes remaining will be resolved by binding arbitration. Each party knowingly and specifically waives any right to go to court to assert or defend our or your respective rights. Except that matters that meet the jurisdictional requirements may be taken to a small claims court. Except as set forth in these terms, any dispute arising out of or relating to these terms, or our services, including with respect to the interpretation of any provision of these terms or other agreements between you and us, or concerning either party’s performance or obligations, shall be resolved by mandatory and binding arbitration submitted to the Australian Centre for International Commercial Arbitration (ACICA) pursuant to its rules, or similar rules in effect at the time, for binding decision by a single arbitrator. The parties agree that the arbitrator shall, after reaching judgment and award, prepare and distribute to the parties a written statement stating the disposition of each claim, as well as a concise statement of the essential findings and conclusions on which the award is based. The award of the arbitrator(s) shall be final and binding on the parties and judgment may be entered in a court of competent jurisdiction. Unless you elect to conduct the arbitration by telephone or written submission, an in-person arbitration hearing will be conducted in Sydney, Australia, and the parties’ consent to the personal and exclusive jurisdiction of the arbitrator and venue for arbitration in Sydney, Australia.

Each party shall bear its own costs and expenses and an equal share of the arbitrators’ and the administrative fees of arbitration.

The Australian arbitration law applies to these terms. Either party also may, without waiving any remedy under these terms, seek from any court having jurisdiction any interim or provisional relief that is necessary to protect the rights or property of that party, pending the establishment of the arbitral tribunal (or pending the arbitral tribunal’s determination of the merits of the controversy).

Without limiting the foregoing, the parties also agree that a party may bring suit in a federal or state court having jurisdiction, located in Sydney, Australia, to enjoin infringement or other misuse of intellectual property rights.

23. CLASS ACTION WAIVER
You agree that you may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. You acknowledge and agree that class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless all relevant parties specifically agree to do so following initiation of the arbitration.

24. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS
Visiting the Platform or sending emails to Kosvas Pty Ltd constitutes electronic communications. By using our website, services or contacting us by email, you consent to receive electronic communications from us and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on our website, satisfy any legal requirement that such communications be in writing.

25. MISCELLANEOUS
To the extent permitted by applicable law, the parties waive any provision of law that would render any clause of these terms invalid or otherwise unenforceable in any respect. If a provision of these terms is held invalid or otherwise unenforceable, such provision will be interpreted to fulfill its intended purpose to the maximum extent permitted by applicable law, and the remaining provisions of these terms will continue in full force and effect.

These terms set forth the entire agreement of the parties and supersedes all prior or contemporaneous writings, negotiations, and discussions with respect to its subject matter. Neither party has relied upon any such prior or contemporaneous communications.

The parties are independent contractors and shall so represent themselves in all regards. Neither party is the agent of the other, and neither may make commitments on the other’s behalf.

We may send notices pursuant to these terms to you via the email address or physical address you provide us, and such notices will be deemed received 24 hours after they are sent. You may send notices pursuant to these terms to or by mail or courier to Kosvas Pty Ltd, 2c/11 Banksia Drive, Byron Bay Australia 2481 and such notices will be deemed received 72 hours after they are sent.

No delay, failure, or default, other than a failure to pay monies when due, will constitute a breach of the terms to the extent caused by acts of war, terrorism, hurricanes, earthquakes, other acts of God or nature, strikes or other labour disputes, riots or acts of civil disorder, embargoes, or other causes beyond the performing party’s reasonable control.

We will not be deemed to have waived any of our rights under these terms by lapse of time or by any statement or representation other than by an authorized representative in an explicit written waiver. No waiver of a breach of these terms will constitute a waiver of any other breach of these terms.

Privacy Policy Consent

By using our Platform, you consent to the policy and our information administration practices. We may provide additional disclosures in relation to this policy, which will apply supplementary to this policy. These disclosures may expand on information administration practices or provide further clarification for specific practices. If you disagree with or are not comfortable with any aspect of our policy, you should immediately cease accessing and the use of our Platform and our Services.

Changes to the Privacy

Policy

We reserve the right to alter and/or modify this policy at any time. Please review this policy periodically in case of any changes. If any significant or substantive amendments are made, we will notify you by email.

Who Does this Privacy

Policy Apply To?

This policy applies to users (e.g., individuals, merchants, and legal entities) who use and access our Platform and Services, including.

What Personal

Information Do We

Collect?

We only collect information that is vital to the provision of our Services. The information that we may collect includes, but is not limited to:

1. Identification Information Full name, date of birth, age, nationality, gender, signature, phone number, home address, email, utility bills, income statements, passport number, driver’s license details, national identity card details, photograph identification cards, a photographic image of you, social media profile.

2. Financial Information Transaction history, trading data, payment card numbers, bank account information, credit history information from credit bureaus.

3. Personal Information Internet protocol (IP) address used to connect your computer to the Internet, login, e-mail address, password and location of your device or computer, criminal record, ethnic origin.

4. Automatically collected information Device information (including but not limited to, IP address, device ID, device model, network type, OS version, time zone settings, battery status, screen resolution, etc; device event information, (such as crash reports and system activity details); your browsing behaviour while using our Platform and/or Services.

5. User Data User account details, username, passwords, phone number, purchase history, records of any interactions with our Platform’s specialists, customer service, or support teams (including emails, chat logs, or phone call transcripts), digital wallet and digital asset trading data, frequency and times of Platform usage, and other details necessary for account management.

6. Other Information Information about your activity and your behaviour, occupation, hobbies, educational background, trading experience, interests, preferences, for marketing and advertising purposes

Why Do We Collect This

Information?

To Create a Better Experience for Our Users The collection of data will allow us update and create new services that will better meet our user’s needs. We endeavour to create a more personalised experience for our users.

To Protect Our Users The collection of transaction information will allow us to identify any suspicious activity that may lead to fraud or loss of funds. This may include enhancing security, combating spam and malware devices, and identifying and combating botting programs. As the crypto space is ever changing, we need to combat new risks affiliated with that. Devoid of your personal information, it will be difficult for us to ensure the security of our service.

To Comply with Regulatory Requirements Our Services may be subject to regulations that require us to collect your personal information, which will be used to maintain compliance with Know Your Customer, Anti Money Laundering and Counter Terrorist Financing Regulations, as well as any other regulations that are legislated in the future, whether national or international. Some of the information that is required to be collected pursuant to these regulations include personal identification information, personal usage information, financial information, and employment information.

To Enforce our Terms in Our User Agreement It is important for us to regulate our Services and users relating to the prevention and mitigation any potentially prohibited activities, enforcing our agreements with third parties, and violations of our user agreement or terms and conditions. For these purposes, it is essential for us to collect user data. If we are unable to process user information for these reasons, the consequence is the termination of your access or use of our Platform and Services, as we cannot perform our Services in accordance with our terms.

Maintain your Registration as a User This will allow you to access your account safely and securely whenever and wherever you are.

Ensure Quality Control We store user information for quality control and staff training, to ensure we provide users with accurate information.

Marketing Activities We may send you marketing or promotional offers to inform you of Minotaur or our affiliate’s events, to deliver targeted marketing, and to provide you with promotional offers based on your communication preferences. We use information relating to your usage of Minotaur and contact information to provide a better marketing experience.

Information that we collect may or may not be used or disclosed to:

· individuals, entities, organisations, as part of Minotaur providing trading services to users and includes, but is not limited to, experts, tribunals, law firms, enforcement agencies, and other associated professionals;

· persons the user has expressly authorised or consented;

· our associated commercial and business partners, which include, but are not limited to, professional advisors, commercial organisations, and business agents;

· comply with legal obligations or requirements;

· develop business and commercial relationships;

· respond to any enquiries where necessary; and

· all other matters, services, engagements, business developments, and commercial enterprises to the maximum extent permitted by law;

· Third-party program restriction providers, fraud prevention vendors and anti-cheating detection providers to block cheating tools and unauthorized programs, and provide a safe and fair trading environment;

· real-time voice transmission platform providers to provide voice chat services;

· Identity verification service providers in order to provide identity verification services;

· online survey service providers in order to improve the Minotaur’s Services;

· marketing platforms and providers of analytics services relating to trading behaviour, in order to tailor the Services and conduct marketing activities.

We may share your information in situations where it is necessary to comply with a legal obligation or a legitimate request for data access. It may also be shared during a merger or acquisition, with our affiliated entities for the purposes outlined in this Policy, or when you have explicitly given your consent or provided instructions.

We consider our user privacy to be of great importance. That is why we have implemented multiple security measures to ensure that user data is secure, free from unauthorised access, alteration, disclosure, and destruction.

For example, we implement the following security measures:

· Security procedures within our offices;

· IT security procedures including password protection, site monitoring, firewalls; and

· Mandatory confidentiality guidelines for all staff within the business.

However, despite the measures we have in place, data protection is never completely secure. We cannot guarantee the security of your personal information.

Do we use cookies?

Cookies are small files which a platform uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies, but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our Platform. Minotaur and our authorised third parties, may use cookies, and/or other tools to store and sometimes track information, such as analysing website traffic to help us provide a better website visitor experience. We may also collect certain information such as browser type,

operating system, IP address, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service. In addition, cookies may be used to serve relevant ads to website visitors through third party services. These ads may appear on this website or other websites you visit. Our goal is to ensure a trading environment that is both secure and equitable for every player. By accessing our Platform and Services, you acknowledge that we or third parties may employ cookies and similar technologies, or gather information about your device or machine, to prevent fraud, enhance security, and authenticate your identity. Additionally, we may utilize alternative anti-cheat measures in conjunction with our services.

Obtaining Information

Through Third Party

Sources

We will occasionally obtain information about you through third party. Information will only be obtained as required permitted by applicable law. Examples of this include public databases, credit bureaus, resellers and channel partners, and social media platforms.

Automatically Collected

Data

We receive and store certain types of data whenever you interact with Our services. Data collected automatically includes any category listed under personal usage information.

Why We Share Personal

Information with Other

Parties

Why We Share Personal

Information with Other

Parties

We will never sell or rent your personal information. We will only share your information in the following circumstances:

· We share your information with third party identity verification services to prevent fraud. We share this information to confirm your identity with relevant public records to prevent fraud. These third-party services will store your information; however, they will only use this information for purposes of identity verification.

· We may share your information with affiliated service providers. These affiliated services providers may include debt collection service agents, marketing firms, and technology services. All affiliated service providers are contracted to solely use this information for purposes that affiliate with us.

· We will share your information with financial institutions which we have partnered with to process payments. · We may share your information with companies or entities that we purchase or merge with. The new company or entity will uphold this policy.

· We may share your information with law enforcement officials or other entities when required to do so under applicable law.

· We may share your information with law enforcement, officials, or other third parties when we are compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our terms or any other applicable policies.

How We Protect and Store

Personal Information

We may hold sensitive information in our facilities or service providers located worldwide. We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.

We cannot guarantee that loss, misuse, unauthorised acquisition, or alteration of your data will not occur. Please note that the user plays a critical role in ensuring their own personal information.

Furthermore, we cannot ensure or warrant the security or confidentiality of information you transmit to us or receive from us by Internet or wireless connection, including email, phone, or SMS, since we have no way of protecting that information once it leaves and until it reaches us.

If you have reason to believe that your data is no longer secure, please contact us at the email address, mailing address or telephone number listed at the end of this Privacy Policy.

Personal Information

Rights

You have a right to access, correct, object, and delete personal information that we hold about you. You can also require any inaccurate personal information to be corrected or deleted.

You can object to our use of your personal information at any time, and you may have the right to object to our processing of some or all your personal information (and require them to be deleted) in some other circumstances.

If you wish to exercise any of these rights, please contact us as set out below.

How You Can Access or

Change Personal

Information

You are entitled to review, correct, or amend your personal information, or to delete that information where it is inaccurate. You may do this by contacting us.

If your account is closed or terminated, we will keep your account information in our database for at least seven years for regulatory purposes.

This ensures that those who are attempting to avoid fraud cannot achieve this by simply closing or terminating their account. When your account is closed or terminated, your information will not be used by us for any further purposes, including being shared to third parties.

International Data

Transfers

Our operations span across the globe, and in order to deliver our Services, we may transfer your data to countries and regions beyond your current location. Should your personal information be transferred, stored, or processed by us, we will make reasonable efforts to protect the privacy of your personal information. Specific regions within certain countries where data processing takes place are outlined in further detail below.

Our Policy Concerning Children

Without obtaining verifiable parental consent or as permitted by law, we do not intentionally gather, utilize, or disclose any information about children (the age threshold may vary depending on the country of residence). If you are a parent or guardian and you believe that your child has shared information with us, you can reach out to us and request the deletion of your child’s information from our system.

Links and Third-Party Services

By clicking on a link to a third-party website, which includes advertisements, you will be directed away from our Site to the chosen website. As we lack control over the actions of third parties, we are not accountable for how they utilize your personal information, and we cannot guarantee that they will maintain the same privacy and security measures as we do. We recommend that you thoroughly review the privacy policies of any other service provider you engage with. Prior to sharing any personal information, it is advisable to consult the privacy policy of any linked third-party website associated with our Services.

General Data Protection

Regulations (GDPR)

The General Data Protection Regulations (GDPR) apply to organisations who process data in the EU as well as organisations that offer goods or services to or monitors the behaviour of the people inside the EU. The GDPR applies to all information that can directly or indirectly influence an individual.

We have prepared ourselves for the GDPR by providing information as to when our data is deleted, a transparent overview of our use of the personal information it has collected, and detailed how you can exercise your privacy rights.

European Union Residents have the following rights:

1. Right to Withdraw You will have the right to withdraw your consent to process your personal information.

2. Right to Request You have a right to request that we provide you with a copy of your personal information held by us. This information will be provided without undue delay subject to some fee associated with gathering of the information (as permitted by law), unless such provision adversely affects the rights and freedoms of others.

3. Right to Update You have the right to request that we update any of your personal information that you believe incorrect or inaccurate.

4. Right to Erasure You have the right to request erasure of your personal information that:

(a) is no longer necessary in relation to the purposes for which it was collected or otherwise processed;

(b) was collected in relation to processing that you previously consented, but later withdraw such consent; or

(c) was collected in relation to processing activities to which you object, and there are no overriding legitimate grounds for our processing.

5. Right to Data Portability If we process your personal information based on a contract with you or based on your consent, or the processing is carried out by automated means, you may request to receive your personal information in a structured, commonly used and machine-readable format, and to have us transfer your personal information directly to another “controller”, where technically feasible, unless exercise of this right adversely affects the rights and freedoms of others. A “controller” Is a natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of your personal information.

6. Right to Restriction of or Processing You have the right to restrict or object to us processing your personal information where one of the following applies:

7. Restricted Personal Information Restricted Personal Information shall only be processed with your consent or for the establishment, exercise, or defence of

legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest. We will inform you if the restriction is lifted.

8. Notification of Erasure, Rectification and Restriction We will communicate any rectification or erasure of your personal information or restriction of processing to each recipient to whom your personal information has been disclosed, unless this proves impossible or involves disproportionate effort. We will inform you about those recipients if you request this information.

9. Right to Object to Processing Where the processing of your personal information is based on consent, contract or legitimate interests you may restrict or object, at any time, to the processing of your personal information as permitted by applicable law. We can continue to process your personal information if it is necessary for the defence of legal claims, or for any other exceptions permitted by applicable law.

10. Automated individual decision-making and profiling You have the right not to be subject to a decision based solely on automated processing of your personal information, including profiling, which produces legal or similarly significant effects on you, save for the exceptions applicable under relevant data protection laws.

11. Right to Complaint If you believe we have infringed your rights, we kindly request that you contact prior to lodging a complaint with the relevant authorities so that we may attempt to resolve the dispute. However, if you have unresolved concerns, you have the right to complain to the data protection authority in the location in which you live, work, or believe a data protection breach has occurred.

Jurisdiction-Specific

Supplemental Terms

1. EEA, Switzerland, and the UK If you are an EEA (European Economic Area), Switzerland, or a UK residents, you may have additional rights: International Data Transfer: If we move your data outside the European Economic Area (EEA) to a country that does

not have a recognized level of data protection as determined by the European Commission, we make every effort to implement appropriate measures to protect your personal data in accordance with relevant data protection and privacy laws. These measures may include using data transfer agreements that incorporate the latest standard contractual clauses, which are pre-approved by the European Commission and offer sufficient safeguards for personal data. If you wish to obtain a copy of these measures, please contact us as specified in this Policy. In other cases, we transfer personal data with your consent, to fulfill a contractual obligation, or based on a legitimate interest that does not override your rights and freedoms. Your Privacy Rights: You have a right to lodge a complaint with the appropriate data protection authority if you have concerns about how we process your personal information. The data protection authority you can lodge a complaint with notably may be that of your habitual residence, where you work or where we are established.

2. California If you reside in California you may have additional rights, as listed here: Privacy Notice for California Residents: This Privacy Notice (“Notice”) for California residents provided pursuant to the California Consumer Privacy Act (“CCPA”) supplements the Privacy Policy of Minotaur Trading Systems and its affiliates (“we”, or “us”) and provides additional information on how your personal information is collected, used, disclosed and processed online or offline. Unless otherwise specified, all terms used within this Notice shall carry the same meaning as they are defined in our Privacy Policy(“Policy”). This Notice and the Policy together constitutes our “California Privacy Policy”. We will collect the following categories of information that may directly or indirectly identify or describe you or your device, or information that may be reasonably capable of being associated with or reasonably linked to you or your device (“personal information”). We have collected these same categories of personal information from consumers over the past 12 months. Please refer to our Policy concerning the categories of sources from which this personal information is collected. Also, we may provide service providers or third parties with certain personal information to provide or improve our services. Within the past 12 months, we disclosed or shared each of the following categories of personal information with the following categories of third parties. We do not sell personal information to third parties as that term is defined by the CCPA.

You may exercise the following rights at any point in time in connection with your personal information. To exercise such rights, please email us at <admin@minotaurtradingsystems.comtradingsystems.com>. Please note that at least your email address will be required to submit a request. If you exercise your rights via email, you must specify the right(s) you wish to exercise. We will verify your identity and respond to your request within 45 calendar days. If necessary, we can take up to an additional 45 days to respond, for a maximum total of 90 days from the day the request is received, provided that we notifies you to explain the reason for the delay.

1) Right to Access: You have the right to request the following information up to two times within a 12-month period. Categories of the personal information that was disclosed for a business purpose or sold during the past 12 months, and categories of third parties to whom the information was disclosed or sold.

2) Right to Request Deletion: You have the right to request that the personal information collected from you be deleted.

3) Right to Opt-Out of Personal Information Sales: You have the right to “opt out” by requesting that your personal information not be sold in any form. However, we do not sell personal information.

4) Right to Non-Discrimination: You have the right to not be discriminated against for exercising your privacy rights under the CCPA.

5) Rights for California Minors: Minors under the age of 18 have the right to request the deletion of and/or obtain information posted on websites such as forums or bulletin boards.

6) Shine the Light: You have the right to request the categories of the personal information that we disclosed to third parties in the last year for direct marketing purposes and information on the relevant third parties. Furthermore, you may also request that your personal information not be disclosed to third parties for direct marketing purposes.

Authorized Agent: You have the option to appoint another individual or entity (referred to as an “authorized agent”) to act on your behalf regarding your rights as guaranteed by the CCPA. An authorized agent can be either a natural person or a business entity registered with the Secretary of State to conduct business in California, and you must provide explicit authorization for them to make requests for information access or deletion on your behalf.

To utilize an authorized agent for your request, we require a signed permission document from you granting them the authority. Your authorized agent can initiate a request for information access or deletion by sending an email to <admin@minotaurtradingsystems.comtradingsystems.com>. If you reach out to us for the request, we will provide you with the necessary authorized forms for support.

Please note that the aforementioned requirement does not apply if your agent possesses power of attorney according to Probate Code sections 4000 to 4465. However, it’s important to understand that we may reject a request from an agent who fails to provide proof of their authorization to act on your behalf. According to the CCPA, your agent assumes responsibility for implementing and maintaining reasonable security measures to safeguard your information and utilizing your personal information solely for the purpose of fulfilling your request.

Contact Us

If you have an enquiry regarding our Privacy Policy surrounding personal information, you can contact us at <admin@minotaurtradingsystems.comtradingsystems.com>.