1 Acceptance of Terms

By accessing, browsing, or using the Bond Vault platform, website at bondvault.io, or any associated mobile application or API (collectively, the "Services"), you confirm that you have read, understood, and agree to be bound by these Terms & Conditions ("Terms") and our Privacy Policy.

If you do not agree to these Terms, you must immediately cease using the Services. These Terms constitute a legally binding agreement between you ("User") and Bond Vault ("Company", "we", "us", or "our").

Important: These Terms apply to all users of the platform including clients, partners, white-label licensees, and visitors.

2 Description of Services

Bond Vault provides a treasury management and dealing room platform offering the following capabilities:

We reserve the right to modify, suspend, or discontinue any part of the Services at any time with or without notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

3 Eligibility

The Services are intended solely for use by corporate entities, financial institutions, and professional users. By using the Services, you represent and warrant that:

The Services are not intended for use by private individuals acting in a personal capacity. Retail use is not permitted without prior written authorisation from Bond Vault.

4 User Accounts

Access to the Bond Vault platform requires the creation of an authorised account. You agree to:

We reserve the right to suspend or terminate accounts that we reasonably believe are being used in violation of these Terms or applicable law.

5 Acceptable Use

You agree not to use the Services to:

Any breach of this section may result in immediate suspension of access and may be reported to the relevant regulatory authorities.

6 Intellectual Property

All content, software, technology, data, branding, and materials comprising the Bond Vault platform — including but not limited to the AI Co-Pilot, dealing room interface, analytics engine, and connectivity infrastructure — are the exclusive intellectual property of Bond Vault or its licensors.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Services for your internal business purposes only. This licence does not include the right to:

White-label partners are granted separate licensing rights under their individual partnership agreements, which take precedence over this section.

7 Data & Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection, processing, and use of your data as described in the Privacy Policy.

You retain ownership of all data you submit to the platform ("Client Data"). By submitting Client Data, you grant Bond Vault a limited licence to process that data solely for the purpose of providing the Services.

We implement industry-standard security measures to protect Client Data, including encryption in transit and at rest, role-based access controls, and regular security audits. However, no system is completely secure and we cannot guarantee absolute data security.

8 Financial Services Disclaimer

Important regulatory notice: Bond Vault is a technology platform provider. The Services facilitate access to financial products and markets but do not constitute financial advice, investment advice, or a recommendation to buy, sell, or hold any financial instrument.

All transactions executed through the platform are made at the sole discretion and risk of the user. You should seek independent professional financial and legal advice before making any trading or investment decisions.

Bond Vault does not guarantee the accuracy, completeness, or timeliness of any market data, pricing, or analytics provided through the platform. Past performance is not indicative of future results.

Users are solely responsible for ensuring their activities on the platform comply with all applicable financial regulations, including but not limited to FCA, MiFID II, EMIR, and local regulatory requirements in their jurisdiction.

9 Limitation of Liability

To the maximum extent permitted by applicable law, Bond Vault shall not be liable for any:

Our aggregate liability for any claim arising under or in connection with these Terms shall not exceed the total fees paid by you to Bond Vault in the twelve (12) months preceding the event giving rise to the claim.

10 Termination

Either party may terminate this agreement upon written notice. We may suspend or terminate your access immediately and without notice if we determine, in our sole discretion, that you have breached these Terms, are engaging in illegal activity, or pose a risk to the platform or other users.

Upon termination, your right to access the Services ceases immediately. Provisions that by their nature should survive termination — including intellectual property rights, disclaimers, and limitations of liability — shall continue to apply.

11 Governing Law

This agreement is governed by English law regardless of the European and/or other non-English rules applicable to conflict of laws or governed by international private law. Disputes will be resolved under the jurisdiction of the courts of England and Wales.

If you are accessing the Services from outside the United Kingdom, you are responsible for compliance with local laws applicable to your use of the Services.

12 Changes to Terms

We reserve the right to update or modify these Terms at any time. When we make material changes, we will notify registered users by email and display a notice on the platform. The updated Terms will indicate the date of the last revision.

Your continued use of the Services following notification of changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must cease using the Services.

13 Contact Us

If you have any questions, concerns, or requests regarding these Terms, please contact us:

Bond Vault — Legal & Compliance

We aim to respond to all legal enquiries within 5 business days.

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