Terms Of Use

The voyagemarkets.net website (this “Site”) and all services and interactions with Voyage Markets SPC (the “Company”, “we” or “us”) are comprised of various web pages operated by the Company or mobile application provided by the Company (the “Apps”). The Site or the Apps, as applicable, are made available to you conditioned on and subject to your acceptance without modification of the terms, conditions, and notices contained herein (collectively, the “Terms” or this “Agreement”). By accessing or using the Site, the Apps, or our services or otherwise agreeing to this Agreement, you understand and agree to be bound by this Agreement and recognize that you may be waiving certain rights. Please read these Terms carefully and keep a copy of them for your reference.

The Company provides access to trading platforms where simulated trading on select instruments can be achieved online (the “Services”). The terms in this Agreement apply to the Services provided through webpages on the Site, the Apps, or otherwise by the Company.

Electronic Communications

Visiting the Site, using the Apps, contacting the Company via social media and live chat support, or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email, live chat support, social media, on the Site or through the Apps, satisfy any legal requirement that such communications be in writing.

Your Account

If you use the Site or the Apps, you are responsible for maintaining the confidentiality of your account and password, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that the Company is not responsible for third party access to your account that results from theft or misappropriation of your account. The Company and its associates reserve the right to refuse or cancel any Services, terminate accounts, or remove or edit content in our sole discretion.

Minors

The Company does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under the age of eighteen, you are prohibited from the use of services and interactions with the Company. If a minor circumvents the controls the Company has implemented to restrict use of the Services, any resulting actions or consequences are solely the responsibility of the minor. By accessing our services, you agree to hold us harmless for any actions or consequences resulting from your failure to comply with our age restrictions.

Links to Third Party Sites/Third Party Services

The Site and the Apps may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of the Company and the Company is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by the Company of any site or any association with its operators.

No Unlawful or Prohibited Use

You are granted a non-exclusive, non-transferable, revocable license to access and use the Site or the Apps, as applicable, strictly in accordance with these Terms. As a condition of your use of the Site or the Apps, you warrant to the Company that you will not use the Site or the Apps for any purpose that is unlawful or prohibited by these Terms or any applicable law, regulation or requirement to which the Company or you are or may be subject. You may not use the Site or the Apps in any manner which could damage, disable, overburden, or impair the Site or the Apps, or interfere with any other party's use and enjoyment of the Site and the Apps. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site or the Apps.

Intellectual Property

All content included as part of the Services, including but not limited to text, graphics, logos, images, any compilation thereof, and any software used on the Site or the Apps, is the property of the Company or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site or the Apps. The Company materials and content are not for resale, and by accessing the Site or the Apps you acknowledge and agree that you will not resell, redistribute or otherwise use or attempt to use the Site, the Apps, or their contents in any manner or for any purpose except as permitted or authorized by the Company. Your use of the Site or the Apps does not entitle you to make any unauthorized use of any content, and without limiting the foregoing, in particular you will not delete, alter or otherwise modify or attempt to modify any proprietary rights or attribution notices in any content. You will use protected content solely for your personal non-commercial use and will make no other use of the content without the express written permission of the Company and the copyright owner. You agree that you do not acquire any ownership rights in or claims to any Site/App content. We do not grant you any licenses, express or implied, to the intellectual property of the Company or our licensors except as expressly authorized by these Terms.

Legal and Market Compliance

The Company takes compliance with relevant laws, regulations, and requirements seriously and asks our customers to do the same. Further, the Company also respects the functioning of actual markets. As such, any trading practices that interfere with the functioning of actual markets are prohibited on our platform. Such trading practices that do not comply with the functioning of real markets include, but are not limited to:

1. Knowingly or unknowingly
   1. Using platform or data freezing;
   2. Using delayed or slow data feed, whether internal or external;
   3. Trading on delayed charts;
   4. Using guarantee of compliance with limit orders;
   5. Using hedging trades between the your accounts, or in concert with any other persons;
   6. Using, such software, AI, high frequency automated trading, mass data entry, or other programs that manipulate or abuse your accounts or the simulated trading environment give you an unfair advantage when using the services;
   7. Otherwise exploiting the simulated environment provided by our services;
2. Engaging in gap trading by
   1. trading upon or around the same time as significant macroeconomic reports are released that may affect the relevant financial market; or
   2. trading 2 hours or less before a relevant financial market is closed for 2 hours or longer;
3. Engaging in collaboration with other persons by
   1. Allowing access by third parties to your accounts,
   2. Trading on another person's account(s) or on behalf of another person,
   3. Sharing trades and strategies with other users or making trades that were not your own creation, or
   4. Engaging in account management;
4. Engaging in trading practices that are in contradiction of standard risk management rules applicable to the relevant financial market, including but not limited to
   1. opening positions of substantially larger sizes than other trades on your account(s),
   2. opening positions in substantially larger quantity than other trades on your account(s), and
   3. opening positions that are grossly overleveraged;
5. Engaging in any other activities that are in contradiction with how trading is actually performed in the forex market or in any other financial market, or in a way that causes reasonable concerns that the Company might suffer financial or other harm as a result of your activities.

Violation of any of these Terms or applicable laws, regulations or requirements in any way may lead to immediate termination of all accounts associated with our services and no refund or payment of any kind will be given. In addition, you may be held civilly and/or criminally liable if you violate these Terms or applicable laws, regulations or requirements. Understanding the importance of having a secure, reliable trading platform, you explicitly instruct the Company to share your data with other proprietary trading firms or third parties for the purposes of detecting fraudulent, deceptive, or criminal behavior or any violations of our Terms or this Agreement.

Indemnification

You agree to indemnify, defend and hold harmless the Company, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site, the Apps, or services, any user postings made by you, your violation of these Terms or your violation of any rights of a third party or any applicable laws, regulations or requirements. The Company reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to fully cooperate with the Company in asserting any available defenses.

Disputes & Arbitration

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. YOU MAY CHOOSE TO BE REPRESENTED BY A LAWYER IN ARBITRATION OR PROCEED WITHOUT ONE. THIS ARBITRATION PROVISION SHALL SURVIVE TERMINATION OF THIS AGREEMENT. IF, HOWEVER, EITHER THE CLASS ACTION WAIVER OR COORDINATED CLAIMS PROVISION BELOW ARE FOUND INVALID, THEN THE SPECIFIC INVALID PROVISION WILL BE UNENFORCEABLE AND WILL BE SEVERED AND THE REMAINDER OF THE ARBITRATION PROVISIONS WILL REMAIN IN FULL FORCE.

In the event the parties are not able to resolve any dispute, claim or controversy, including those known or unknown that may be later discovered, between them arising out of or concerning these Terms or any provisions hereof, or other agreements contained on the Site or the Apps, other agreements between us, or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, whether in contract, tort, or otherwise, at law or in equity for damages or any other relief, legal or equitable, then such dispute shall be resolved only by either: (i) final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the JAMS Comprehensive Arbitration Rules and Procedures as those Rules exist on the effective date of this Agreement or (ii) submitted to small claims court in Monroe County, Pennsylvania. If the arbitrator finds this location of arbitration unreasonably burdensome to you, a new location may be selected in a location mutually agreed upon by the parties, or the arbitration may be conducted over the phone, using video conferencing, or similar. You may be entitled to an in-person hearing near your place of residence.

The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. Seeking Arbitration: If you elect to seek arbitration or file a small claim court action, you must first send to us, by certified mail, a written notice of your claim (“Notice”). The Notice to us must be addressed to:

Voyage Markets SPC

Cra. 25 #40-27

Calarcá, Quindío

Colombia

with an electronic copy to the following email address: [email protected]

If we initiate arbitration, we will send a written Notice to an email address you have previously provided to us, if available. We may also use any other means to contact you, including a message in your account or to an address we have on file. A Notice, whether sent by you or by us, must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and we do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or us may commence an arbitration proceeding or file a claim in small claims court. Arbitration forms can be downloaded from www.jamsadr.com.

Hearing: If your claim is for US$10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video hearing, or by an in-person hearing as established by the JAMS Rules. If your claim exceeds US$10,000, the right to a hearing will be determined by the JAMS Rules. In the event that the arbitration will be conducted solely on the basis of submitted documents, the arbitrator's decision and award will be made and delivered within six (6) months of the selection of the arbitrator, unless extended by the arbitrator. Except as expressly set forth herein, the payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules.

Award: In the event arbitration awards you damages of an amount at least $100 greater than our last documented settlement offer, we will pay your awarded damages or $2,500, whichever is greater.

Injunctive Relief: Notwithstanding the foregoing, you and we both agree that you or we may sue in court to enjoin infringement or other misuse of intellectual property rights or in other scenarios where injunctive relief is appropriate. In the event a court or arbitrator having jurisdiction finds any portion of this Agreement unenforceable, that portion shall not be effective and the remainder of the Agreement shall remain effective. No waiver, express or implied, by either party of any breach of or default under this Agreement will constitute a continuing waiver of such breach or default or be deemed to be a waiver of any preceding or subsequent breach or default.

Confidentiality: The parties shall maintain the confidential nature of the arbitration proceeding and the Award, including the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.

Coordinated Proceedings: If 25 or more individuals initiate Notices of dispute with us raising similar claims, and counsel for the individuals bringing the claims are the same or are coordinated for these individuals (“Coordinated Claims”), the claims shall proceed in arbitration in a coordinated proceeding. Counsel for the individuals and counsel for the Company shall each select five cases to proceed first in arbitration in a bellwether proceeding (“Test Cases”). The remaining cases shall not be filed in arbitration until the first ten have been resolved. If the parties are unable to resolve the remaining cases after the conclusion of the Test Cases, each side may select another five cases to proceed to arbitration for a second bellwether proceeding. This process may continue until the parties have determined an objective methodology to make an offer to resolve each and every outstanding claim. A court will have authority to enforce this clause and, if necessary, to enjoin the mass filing of arbitration demands against the Company. Individuals bringing Coordinated Claims shall be responsible for up to $250 of their filing fees or the maximum permissible under the applicable arbitration rules. All applicable statutes of limitations and defenses based upon the passage of time will be tolled while the Coordinated Proceedings specified in this Section are pending. We will take such action, if any, required to effectuate such tolling.

Governing Law and Rules: This Agreement and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of the Cayman Islands, exclusive of conflict or choice of law rules. The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the provision in the preceding paragraph with respect to applicable substantive law, any arbitration conducted pursuant to the terms of this Agreement shall be governed by the Federal Arbitration Act (9 U.S.C., Secs. 1-16). In any arbitration arising out of or related to this Agreement, the arbitrator is not empowered to award punitive or exemplary damages, except where permitted by statute, and the parties waive any right to recover any such damages. In any arbitration arising out of or related to this Agreement, the arbitrator may not award any incidental, indirect or consequential damages, including damages for lost profits. The parties adopt and agree to implement the JAMS Optional Arbitration Appeal Procedure (as it exists on the effective date of this Agreement) with respect to any final award in an arbitration arising out of or related to this Agreement.

Severance of Arbitration Agreement. If the clauses concerning and describing the procedures and obligations related to Coordinated Claims and Test Case procedures is or becomes invalid or unenforceable, then the remaining entire arbitration agreement and any clauses concerning, relating to, specifying or otherwise describing the arbitration agreement shall be severed from this Agreement. However, any duty of confidentiality whether or not such duty is connected with arbitration shall survive such severance.

Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

YOU AGREE THAT ANY ARBITRATION UNDER THESE TERMS AND CONDITIONS WILL TAKE PLACE ON AN INDIVIDUAL BASIS. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUALS CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING BUT NOT LIMITED TO A PRIVATE ATTORNEY GENERAL ACTION. CLASS ARBITRATIONS AND CLASS/REPRESENTATIVE/COLLECTIVE ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ARBITRATION OR CLASS ACTION

Further, unless both you and the Company agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

If this specific provision is found to be unenforceable, then the entirety of this Class Action Waiver and the Disputes & Arbitration provisions shall be null and void. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE OR THE APPS MAY INCLUDE INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. THE COMPANY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE OR THE APPS AT ANY TIME WITHOUT PRIOR NOTICE.

THE COMPANY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE OR THE APPS FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. VOYAGE MARKETS SPC AND/OR ITS SUPPLIERS DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL VOYAGE MARKETS SPC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE OR THE APPS, WITH THE DELAY OR INABILITY TO USE THE SITE, THE APPS, OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, THE APPS, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE OR THE APPS, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF VOYAGE MARKETS SPC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE OR THE APPS, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE OR THE APPS.

International Users

The Site and the Apps are controlled, operated and administered by the Company from our offices in Colombia. If you access the Site or the Apps from a location outside Colombia, you are responsible for compliance with all applicable laws. You agree that you will not use the Company content accessed through the Site or the Apps in any country or in any manner prohibited by any applicable laws, regulations or requirements.

The products referred to on the Site or the Apps may only be available in the territory to which the Site or the APPs is directed and may not be available in your country. WE MAKE NO REPRESENTATION THAT THE INFORMATION AND MATERIALS ON ANY SITE OR APP, INCLUDING WITHOUT LIMITATION THE INFORMATION AND OTHER MATERIALS PROMOTING THE PRODUCTS IDENTIFIED ON THAT SITE, ARE APPROPRIATE OR AVAILABLE FOR USE IN OTHER LOCATIONS OTHER THAN THE LOCATION FOR WHICH THE SITE OR THE APPS ARE DIRECTED. WE DO NOT REPRESENT OR WARRANT THAT A SITE OR ANY PART THEREOF IS APPROPRIATE OR AVAILABLE FOR USE IN ANY PARTICULAR JURISDICTION OTHER THAN COLOMBIA. Those who choose to access a Site do so on their own initiative and at their own risk, and are responsible for complying with all local statutes, orders, regulations, rules, and other laws. You are also subject to Colombia export controls and are responsible for any violations of such controls, including without limitation any Colombia embargoes or other federal rules and regulations restricting exports.

Despite the above, as a consumer you will benefit from any mandatory provisions of the law of the country in which you are a resident. Nothing in this Agreement affects your rights as a consumer to rely on such mandatory provisions of local law. The local law of your jurisdiction may entitle you to have a dispute relating to this Agreement heard by your local courts. This Agreement does not limit any such rights that you have that apply. HOWEVER, BY ENTERING INTO THIS AGREEMENT, WE DO NOT CONSENT TO THE JURISDICTION OF ANY COURTS OTHER THAN THOSE REFERENCED IN THIS AGREEMENT AND RESERVES THE RIGHT TO CONTEST THAT IT IS NOT SUBJECT TO THE JURISDICTION OF ANY OTHER COURT. We may limit a Site's availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion. This Agreement, as well as all other documents related to it, including notices and correspondence, will be in the English language only.

THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOU, AND SUPERSEDE CONFLICTING TERMS IN THE AGREEMENT, IF YOU ARE A RESIDENT OF THE NAMED JURISDICTION OR TO THE EXTENT REQUIRED BY APPLICABLE LAW:

USA- New Jersey Residents

If you are a consumer residing in New Jersey, the following provisions of this Agreement do not apply to you (and do not limit any rights that you may have) to the extent that they are unenforceable under New Jersey law: (a) Disclaimer of Warranty; (b) Limitation of Liability; (c) Indemnity; and (d) under Disputes & Arbitration and Class Action Waiver and the governing law provisions (solely to the extent that your rights as a consumer residing in New Jersey are required to be governed by New Jersey law). According to N.J.S.A. 56:12-16, you may have additional rights if you are a New Jersey resident and other provisions of this Agreement are found to violate an established legal right.

USA - California Residents

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

If you are a California resident, you agree to consciously waive all claims, both known and unknown that may be later discovered and expressly forgo and waive all protections as by California Civil Code Section 1542, which states, “[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” By using the Site or the Apps, as applicable, you agree to that these California Civil Code Section 1542 protections no longer apply to you.

Australia

Where any Act of Parliament implies any condition or warranty in relation to your use of a Site and that Act prohibits exclusion of that term, then that term is included. To the maximum extent permitted by law, our liability for any breach of such a non-excludable term is limited to the supplying of the products or services again.

Canada

L'acheteur confirme son intention expresse que cet accord, ainsi que tous les documents connexes, soient rédigés en langue anglaise uniquement, y compris tous les avis et la correspondance.

Quebec Customers: For Quebec customers (or customers from other Canadian provinces where applicable) we will, if required, send at least 30 days before the amendment comes into force, a written notice drawn up clearly and legibly, setting out the new clause only, or the amended clause and the clause as it read formerly, the date of the coming into force of the amendment and the customer's right to refuse the amendment and rescind or, in the case of a contract involving sequential performance, cancel the contract without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than 30 days after the amendment comes into force, if the amendment entails an increase in the customer's obligations or a reduction in our obligations.

Dispute Resolution: The arbitration requirements of this Agreement will not apply to you if any such provision is unenforceable under the laws of your Canadian province of residence.

Cancellation Rights: Residents of certain provinces may have the right to cancel the provisions of certain purchases as required by local law. We will honor such cancellation rights.

Privacy and Consumer Complaints: Under relevant consumer protection laws, you are entitled to the following consumer rights notice: If you have a question or complaint regarding the Site, the Apps or the Services, please send an e-mail to [email protected] or contact us in writing by writing to Voyage Markets SPC, Cra. 25 #40-27, Calarcá, Quindío, Colombia.

European Union

Children: You may not use any Site if you are under the age of 16.

Exceptions to Liability Limitations: Nothing in this Agreement excludes or limits our liability for death or personal injury arising from our negligence, or fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

ARBITRATION MAY NOT APPLY TO YOU IF YOU ARE A RESIDENT OF THE EUROPEAN UNION AND SUBJECT TO THE ALTERNATIVE DISPUTE RESOLUTION DIRECTIVE (2013/11/EU) AND THE ONLINE DISPUTE RESOLUTION REGULATION (EU 524/2013) (AND ANY IMPLEMENTING REGULATIONS IN EACH MEMBER STATE OF THE EU), THE AGREEMENT TO ARBITRATE IN THE AGREEMENT WILL NOT APPLY TO IF NOT PERMITTED BY LAW.

Japan

Any intellectual property rights vested in us under these terms will include the rights set forth in Article 27 (Right of Adaptation) and Article 28 (Original Author's Right in Derivative Works) of the Copyright Act of Japan, Act No. 48 of May 6, 1970. Further, you agree not to exercise against us any moral rights you may have, including, without limitation, the feedback or suggestions.

Each Party represents and warrants that it (a) is not an anti-social force (meaning here and hereinafter, gangsters, anti-social forces, and others equivalent thereto) and (b) does not have any exchange or involvement with anti-social forces, such as cooperation or involvement in the maintenance, operation, or management of anti-social forces, through funding or other means.

United Kingdom

Children: You may not use any Site if you are under the age of 16.

Exceptions to Liability Limitations: Nothing in this Agreement excludes or limits our liability for death or personal injury arising from our negligence, or fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

ARBITRATION MAY NOT APPLY TO YOU IF YOU ARE A RESIDENT OF THE UNITED KINGDOM AND SUBJECT TO THE ALTERNATIVE DISPUTE RESOLUTION DIRECTIVE (2013/11/EU) AND THE ONLINE DISPUTE RESOLUTION REGULATION (EU 524/2013) (OR ANY SUCCESSOR TO THESE ENACTED BY THE UK POST BREXIT). THE AGREEMENT TO ARBITRATE IN THIS AGREEMENT WILL NOT APPLY TO IF NOT PERMITTED BY LAW.

Termination/Access Restriction

The Company reserves the right, in its sole discretion, to terminate your access to the Site, the Apps, and the related services or any portion thereof at any time, without notice. These Terms are governed by the laws of the Cayman Islands. Use of the Site and the Apps is not permitted in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Company as a result of these Terms or your use of the Site or the Apps. The Company's performance of these Terms is subject to applicable laws, regulations and requirements, and nothing contained in these Terms is in derogation of the Company's right to comply with governmental, judicial and law enforcement requests or requirements relating to you or your use of the Site, the Apps, or information provided to or gathered by the Company with respect to you or such use.

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision or statement that most closely matches the intent of the original provision and the remainder of these Terms will continue in effect.

Unless otherwise specified herein, these Terms constitute the entire agreement between the user and the Company with respect to the Site or the Apps and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the Site or the Apps. A printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Other Policies

These Terms do not alter in any way the terms or conditions of any other agreement you may have with us for products, services, programs or otherwise. Additional policies and terms, including the Private Policy and the Disclaimer, may apply to use of specific portions of the Site, the Apps, and to the purchase of certain services.

Changes to Terms

The Company reserves the right, in its sole discretion, to change the Terms under which the Site, the Apps, or the Services are offered. The most current version of the Terms supersede all previous versions. We encourage you to periodically review the Terms to keep informed regarding any updates. By continuing to use the Site, the Apps, or the Services of the Company, you agree that you have reviewed and consent to the most current version of the Terms. If you have any questions regarding the Terms, please contact us at [email protected].

Last updated: March 2024.

Privacy Policy

Voyage Markets SPC (“VM” or “we” or “us”) respect your privacy and are committed to ensuring that consumers who access our website and/or use or access products or services offered by us (“you” or “your”) are informed regarding the way their personal data is used. This Privacy Policy (this “Policy”) applies to VM,https://voyagemarkets.net(the “Site”), and all products and services offered by VM, and governs personal data collection and usage by us. For the purposes of this Policy, unless otherwise noted, all references to VM include the Site and VM. The Site is an ecommerce website. By using the Site, you consent to the data practices described in this Policy and all revisions or amendments made to this Policy from time to time. VM provides assistance to individuals with disabilities to communicate effectively with them. Please contact us through our e-mail address:[email protected].

• Collection of your Personal Information
• Use of your Personal Information
• Sharing of your Personal Information
• Tracking User Behavior
• Automatically Collected Information
• Use of Cookies
• Third-Party Links
• Security and Retention of Your Personal Information
• Your Choices
• Changes to this Notice
• Contact Information
• Additional Information for California Residents

Collection of your Personal Information

We collect information about you in a variety of ways depending on how you interact with us, the Site and our services, including:

1. Directly from you when you provide it to us, such as when you register for an account, sign up to receive communications from us, start a challenge or contact us by phone, email, or otherwise;
2. Automatically through the use of cookies, server logs, and other similar technologies when you interact with the Site, promotional material, advertisements and emails; and
3. From other sources, including, for example, our affiliates, business partners, service providers, online social media networks, and other third parties, or from publicly available sources. For example, if you submit a job application, or become an employee, we may conduct a background check.

In order to better provide you with products and services offered, we may collect personally identifiable information, such as the following, which sets forth the types of personal information we collect and how we use the information:

We collect this data and provide it to third parties, as discussed below, if it is a necessary step in the user’s account creation process, contributes to the ease of use, reliability, security, or functionality of our products. If you purchase our products or services, we collect billing and credit card information. This information is used to complete the purchase transaction or issue payments to you.

You may be required to provide certain personal information to us when you elect to use certain products or services. We also may gather additional personal or non-personal information in the future for the same purpose.

Use of your Personal Information

We collect and use your personal information to:

1. Operate and deliver the products or services you have requested.
2. We may also use your personally identifiable information to inform you of other products or services available from VM and its affiliates.
3. To identify you when you visit our Sites or use our products or services.
4. To improve our services and product offerings.
5. To conduct analytics.
6. To communicate with you, such as to respond to and/or follow-up on your requests, inquiries, issues, or feedback.
7. To detect and protect against malicious, deceptive, fraudulent, or illegal activity, other policies, security incidents, and harm to the rights, property, or safety of our company and our users, employees, or others.
8. To debug, identify and repair errors that impair existing intended functionality of our website and services.
9. To comply with our legal or regulatory obligations, to establish or exercise our rights, and to defend against a legal claim.
10. For internal administrative purposes, as well as to manage our relationships.
11. For such other purposes as you may consent (from time to time).

Although the sections above describe our primary purpose in collecting your information, in many situations we have more than one purpose. As a result, our collection and processing of your information may be based in different contexts depending on your consent, our need to fulfil a contract, our obligations under law, and/or our legitimate interest in conducting our business. You explicitly consent to sharing your data by us and/or our affiliates with other proprietary trading firms or third parties for the purposes of detecting fraudulent, deceptive, malicious, or criminal behavior or any violations of our Terms or this Agreement.

Sharing Information with Third Parties

In addition to the specific situations discussed elsewhere in this Statement, we may disclose personal information in the following situations:

1. Affiliates and Acquisitions: We may share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or our assets, we will also share information with that company, including at the negotiation stage.
2. Other Disclosures without Your Consent: We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or Page 5 of 12 property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.
3. Public: Our website may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on these pages, that information may be publicly available.
4. Service Providers: We may share your information with service providers. Among other things service providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of orders.
5. Other trading platforms: We may share information with other trading platforms and/or related affiliates in order to detect and protect against malicious, deceptive, fraudulent, or illegal activity.
6. Other Disclosures with Your Consent: We may disclose your information to other third parties when we have your consent or direction to do so.

Tracking User Behavior

We may track and record the websites and pages our users visit, in order to determine what our services are the most popular. This data is used to deliver customized content and advertising to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by us. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain the quality of the service, and to provide general statistics regarding use of our website.

Use of Cookies

Our website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize the webpages, or register with our site or services, a cookie helps us to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same website, the information you previously provided can be retrieved, so you can easily use the features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our services or websites you visit. Additionally, depending on where you live, you may have the right to restrict certain cookies using the cookie banner on our website.

Third-Party Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security and Retention of Your Personal Information

We take reasonable security measures to protect against unauthorized access to or alteration of your personal information. Notwithstanding the foregoing, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed. In the event that we are required by law to inform you of a breach to your personal information we may, at our discretion, notify you electronically, in writing, or by telephone, if permitted to do so by law.

Some of our websites permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account.

We retain your personal information for only as long as necessary to fulfil the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal requirements.

Your Choices

Subject to certain exceptions, and only for those individuals who meet specific jurisdictional and legal requirements, you have the right to make the following requests:

1. Access to Your Personal Information: You may request access to your personal information or confirmation that we have information about you. In certain limited circumstances, you may also request to receive access to your data in a portable, machine-readable format.
2. Changes to Your Personal Information: We rely on you to update and correct your personal information. Most of our websites allow you to modify or delete your account profile. If our website does not permit you to update or correct certain information, you can contact us at the address described below to request that your information be modified. You may ask us to correct information that is inaccurate or incomplete. Note that we may keep historical information in our backup files as permitted by law.
3. Deletion of Your Personal Information: You may request that we delete your personal information. If required by law, we will grant a request to delete information, but you should note that in many situations we must keep your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for other business purposes.
4. Opt-out of Selling or Sharing for Targeted Advertising: You may opt-out of online tracking based targeted advertising (e.g., cookies) by clicking the “Reject” button in the “We value your privacy” window. Please note that if you change browsers or computers, or if you clear your browser’s cache, you may need to click the link again to apply your preference. You can also reject cookies on our cookie banner. Please note that not all sharing or disclosure of your personal information is a “sale” and not all sharing or disclosure is subject to the right to opt out.
5. Objection to Certain Processing: You may object to our use or disclosure of your personal information by contacting us at the address described below.
6. Online Tracking: We do not currently recognize the “Do Not Track” signal.
7. Promotional Emails: From time to time, we may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email from us, you may opt out of such communications by clicking on the “unsubscribe” button found at the bottom of each email.
8. Revocation of Consent. Where we process your personal information based upon consent, you may revoke consent. Please note, if you revoke your consent for the processing of personal information then we may no longer be able to provide you with the Services.

To exercise any of your rights, you may email us at [email protected], Attn: Data Privacy Officer. In some circumstances, you may authorize an agent to exercise your rights by emailing us on your behalf. If you use an agent to submit an opt out request, you must provide the agent with signed written permission demonstrating that they have been authorized by you to act on your behalf. We may require more information to ensure proper verification of you and your agent's identity and authorization. Depending on your request, we will ask for information such as your name, information about the last interaction you had with us, or the date of your last purchase from us. We may also ask you to provide a signed declaration confirming your identity. If you are utilizing an agent, we require a signed and notarized permission from you stating that the agent has authorization to act on your behalf. We will deny the request if we are unable to verify the requestor or the authorized agent.

Changes to this Statement

We reserve the right to amend this Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after any such modifications will constitute your: (a) acknowledgment of the revised Policy; and (b) agreement to abide and be bound by such Policy as revised.

Contact Information

We welcome your questions or comments regarding this Statement. If you have any questions or comments, please contact us at:

Voyage Markets SPC

Attn: Data Privacy Officer

Cra. 25 #40-27

Calarcá, Quindío

Colombia

Additional Information for California Residents

California law requires us to disclose the following additional information related to our privacy practices. If you are a California resident, the following privacy disclosures apply to you in addition to the rest of the Privacy Policy.

• California Shine the Light: If you would like more information concerning the categories of personal information (if any) we share with third parties or affiliates for those parties to use for direct marketing, please submit a written request to us using the information in the Contact Information section above.
• Notice of Collection: The table below describes the categories of personal information we collect, disclose for a business purpose, “sell” and/or “share” (as those terms are defined by California law). Please note, in addition to the recipients identified below, we may disclose any of the categories of personal information we collect with government entities, as may be needed to comply with law or prevent illegal activity. We may sell or lease customer information to third parties for the following reasons:
• We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party.
• We may, if we in our discretion consider it potentially beneficial to you, share personal data or information with our affiliates or trusted third-party partners in order to provide you with further educational, marketing and promotional offers we believe may be of interest to you. You are always entitled to opt-out from receiving such offers.
• Fraud Prevention: You explicitly consent to us sharing your personal information with other proprietary trading firms or third parties for the purposes of detecting fraudulent, deceptive, malicious, or criminal behavior or any violations of our Terms or this Agreement.

• California Sensitive Information Disclosure: We collect the following categories of sensitive personal information (as defined under California law): your biometric data. This information is collected to process transactions, comply with laws, manage our business, or provide you with services. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not “sell” or “share” sensitive personal information for purposes of cross-context behavioral advertising.

Additional Information For European Residents

This European Privacy Notice describes how Voyage Markets SPC (“VM” or “we”), organized in the Cayman Islands, comply with the General Data Protection Regulation effective as of 2018 and the United Kingdom’s Data Protection Act of 2018 (collectively, “GDPR”) with respect to personal data collected about citizens or residents of the European Union or United Kingdom, respectively (“European data subjects”).

How VM Processes Data

We collect with your express consent, or may collect in the future, your first and last name, email address, phone number, and your financial information. We may collect other information about you with your express consent. We collect your data through the online or physical registration process, completion of surveys or feedbacks, payment methods used to purchase our products or reimburse you, and use of cookies on our websites. We may also partner with cloud computing companies to store personal data through their software.

We may receive your data indirectly through your credit card processing companies and governmental agencies.

How VM Uses Your Data

We use your data to process your purchase or to issue payments to you, manage your account, email you with special offers on other products we think you might like, send billing reminders, and perform other activities necessary and proper to serve you as best we can.

GDPR Rights

The GDPR is a law of the European Union (and set of rules some countries outside of the EU mirror) that gives individuals in Europe additional rights relating to the personal information collected about them. The main rights under that law are:

• Right to Access. You have the right to request VM to make copies of your personal data. You may be charged a small fee for this service.
• Right to Rectification. You have the right to request us to correct any information you believe is inaccurate. You also have the right to request us to complete any information you believe is incomplete.
• Right to Erasure. You have the right to request us to erase your personal data, with certain exceptions.
• Right to Restrict Processing. You have the right to request us to restrict the processing of your personal data, with certain exceptions.
• Right to Object to Processing. You have the right to object to us processing of your personal data, with certain exceptions.
• Right to Data Portability. You have the right to request us to transfer the data that we have collected toanother organization, or directly to you, with certain exceptions.

These rights can be exercised by an individual in Europe or their designated agent such as an attorney or those in possession of a power of attorney.

Scope

The GDPR applies to personal data of citizens or residents of the European Union or the United Kingdom, such as those who interact with VM’s products and websites. “Personal data” is defined broadly in the GDPR, and essentially encompasses any information that can be used directly or indirectly to identify an individual in Europe (or other non-EU state that adopted the provisions within GDPR). GDPR Article 4 defies “personal data” as any information relating to an identified or identifiable natural person (“data subject”); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.

GDPR applies to personal data processed through purely automatic means or through non- automatic means

Right to Access

In accordance with the GDPR requirements, Europeandata subjects may contact VM to exercise their right to access the personal data that VM holds about them as well as how the data was used, the categories and the identity of third parties with whom the data was shared, and the purpose(s) for the sharing of the information. They can do so by exercising that right via one of the other options identified in the Contact Methods section of this Notice.

European data subjects or their authorized agents who seek to exercise this right are subject to comprehensive verification to minimize any risk to individuals of sharing their person information with an unauthorized individual. We will deny the request if it is unable to verify the requestor or the authorized agent.

We can also deny the request if either company does not hold any personal data about the individual which falls within the scope of GDPR. This European Privacy Notice applies only to European data subjects and the scope of data covered by applicable European laws.

Right to Rectification.

In accordance with the GDPR requirements, European data subjects may contact VM to change, correct, or add to the information VM has about them if they think that the data VM collected is incorrect or incomplete. Upon proper verification of the European data subject and proper request, VM will rectify the errors, if any. If the personal data was made public or shared with third parties, VM will make efforts to communicate to the third party the need to rectify the personal data.

Upon completion of rectification, VM will contact the European data subject promptly.

Right to Erasure

European data subjects have the right to request erasure of their personal data, and can make the request directly to us in his or her individual capacity or throughan authorized agent. They can do so by exercising that right through one of the other options identified in the Contact Methods section of this Notice.

VM is not obligated to erase personal information if we are required or permitted to retain such information in accordance with one of the exemptions in the GDPR. Individuals who exercise their right to request deletion directly or through an authorized agent will be subject to verification in accordance with the GDPR requirements. Valid reasons for the erasure are:

1. The personal data are no longer necessary in relation to the purposes for which they were collected;
2. The European data subject withdraws consent;
3. The European data subject objects to the processing;
4. The personal data was unlawfully processed;
5. There are existing legal obligations; or
6. The personal data have been collected in relation to the offer of information society services.

When VM process a request for erasure from a verifiedEuropean data subject, they will delete the data from their systems in a secure and irreversible manner, to prevent the data from being restored. To the extent that VM has entrusted any of the personal data of the European data subject to a third party, they will also contact that third party to process the erasure request and will confirm to the European data subject or the agent that they have done so. If the data was made public, VM will take reasonably steps to inform other controllers of the data that the data subject has requested the erasure.

Upon completion of erasure, VM will contactthe European data subject promptly.

Right to Restrict of Processing

European data subjects have the right to restrict the processing of their personal data in order to effectuate other rights or to effectuate the right to restrict processing in and of itself. When the restriction is effectuated, VM will not process the personal data objected to with the exception of storage, only to be processed with the data subject’s consentor for the establishment, exercise, or defense of legal claims, or for the protection on the rights of another natural or legal person. This right may be restricted further as the law demands.

A European data subject who has obtained restriction of processing will be informed by the Data Protection Officer before the restriction if processing is lifted.

Right to Object to Processing

European data subjects may object, on grounds relating to his or her particular situation, at any time. At which point, VM willcease processing of personal data concerning him or her unless they can demonstrate compelling, legitimate grounds for the processing.

Please do note that VM may not adhere to objections to processing of data if the processing is necessary for the performance of a task carried out for reasons of public or national interest.

Right to Data Portability

European data subjects can request VM to transferthe personal data they have on them to the desired institution or person where technically feasible.

Upon completion of transfer, VM will contact the European data subject promptly.

Response and Completion Times

VM will acknowledge, respond,and complete the requests to exercise the above Rights within one calendar month of receipt, and provide the information requested by the verified European data subject. If a reasonable delay is necessary, VM will contactthe European data subjectof the delay. The periodmay be extended up to two additional months if necessaryto respond to the requests.

Exceptions to the Rights

GDPR provides certain instances when VM does not have to comply with a request to exercise GDPR rights. Such instances include: national security, defense, public security, the prevention and investigation of crime, protection of judicial independence and judicial proceedings, prevention, investigation, detection, and prosecution of breaches of ethics for regulated professions, enforcement of civil law claims, or other important objectives of general public interest

Contact Methods

VM is an e-commerce entity with no physical storefront. They exclusively operate through their websites or other online methods, and they have direct relationships with their customers. You can email or mail them to exercise your rights. When you email your request, please write “My European Privacy Rights” in the subject field and identify as to who you are. VM is not responsible for notices that are not properly labeled or sent. When you mail your request, please write “My European Privacy Rights” on the header. If you believe VM is in breach of GDPR, you may contact your proper Commission.

In order to contact VM to exercise your rights as an individual in Europe, you can mail or message them through the following:

Voyage Markets SPC

Attn: Data Protection Officer

Cra. 25 #40-27

Calarcá, Quindío

Colombia

Email Address: [email protected]

Effective Date: March 8, 2024

Last Update: March, 2024