Welcome to the online platform of Tokyo Asset Management (hereinafter referred to as "TAM," "we," "us," or "our"). TAM, headquartered in Tokyo, Japan, provides investment services through its website, mobile applications, and associated platforms (collectively referred to as the "Services"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TAM governing your access to and use of our Services.

By using our Services, you agree to abide by these Terms, along with our Privacy Policy and any additional guidelines or agreements that may apply. If you do not agree to these Terms, you must not access or use our Services.

1. Acceptance of Terms

By accessing, registering for, or using our Services, you confirm that you have read, understood, and agree to these Terms. TAM reserves the right to amend these Terms at any time without prior notice. Amendments will take effect immediately upon their posting to the website or application. Your continued use of the Services following any changes constitutes your acceptance of the amended Terms.

2. Eligibility

2.1. Age and Legal Capacity: You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Services. By using our Services, you represent that you have the legal capacity to enter into binding agreements.

2.2. Prohibition on Use by U.S. Residents: TAM’s Services are not intended for or available to residents, citizens, or entities based in the United States or otherwise subject to U.S. jurisdiction ("Prohibited Users"). By accessing or using our Services, you affirm that you are not a U.S. resident, citizen, or entity and are not using the Services from within the United States. TAM reserves the right to terminate access for any Prohibited User.

3. Investment Risks

3.1. Acknowledgment of Risk: Investments involve significant risks, including the potential for substantial or complete loss of principal. By using our Services, you acknowledge and accept the following:

• TAM does not guarantee any specific investment outcomes, returns, or performance.
• All investments are subject to market risks, including but not limited to market volatility, liquidity risks, interest rate changes, geopolitical risks, and currency fluctuations.

3.2. Risk Disclosure for Cryptocurrencies: TAM may offer investment opportunities related to cryptocurrencies and digital assets. You acknowledge that:

• Cryptocurrencies are highly volatile and speculative investments.
• The value of digital assets can be affected by regulatory changes, technological failures, and market manipulation.
• TAM does not assume responsibility for any losses arising from the purchase, sale, or holding of cryptocurrencies.

3.3. No Fiduciary Relationship: Unless explicitly agreed upon in a separate, written agreement, TAM does not act as your fiduciary. All decisions regarding investments made through our Services are solely your responsibility.

4. Services Provided

TAM provides access to a range of financial tools, including but not limited to:

• Investment management and advisory services.
• Tools for tracking and analyzing market data.
• Cryptocurrency wallet integrations (where applicable).
• Educational resources for financial literacy.

4.1. Non-Advisory Features: Some features of the Services, such as market data and analytical tools, are provided for informational purposes only and should not be interpreted as personalized investment advice.

4.2. Availability of Services: TAM makes reasonable efforts to ensure that our Services are accessible; however, we do not guarantee uninterrupted access or error-free functionality. TAM reserves the right to modify, suspend, or discontinue any part of the Services at its sole discretion.

5. User Responsibilities

5.1. Account Registration and Security: To access certain Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the confidentiality of your account credentials.
• Notify TAM immediately if you suspect unauthorized access to your account.

5.2. Compliance with Laws: You are solely responsible for ensuring compliance with all applicable laws, regulations, and rules in your jurisdiction, including tax obligations related to your investments.

5.3. Prohibited Activities: You agree not to:

• Use the Services for illegal, fraudulent, or unauthorized purposes.
• Attempt to bypass security measures or interfere with the functionality of the platform.
• Misuse the Services to manipulate markets or engage in fraudulent trading practices.

6. Fees and Charges

By using our Services, you agree to pay all applicable fees, which may include:

• Subscription fees for access to premium features.
• Transaction fees for executing trades or managing portfolios.
• Cryptocurrency network fees for transfers.

TAM reserves the right to update its fee structure and will notify users of any changes in advance.

7. Intellectual Property Rights

All content, software, and intellectual property made available through the Services are owned by or licensed to TAM. You may not reproduce, distribute, modify, or create derivative works from any part of the Services without prior written consent.

8. Disclaimer of Warranties

The Services are provided "as is" and "as available" without any warranties of any kind, express or implied. TAM specifically disclaims all warranties related to:

• The accuracy, reliability, or completeness of the content or tools.
• The suitability of the Services for your intended use.
• The uninterrupted availability or security of the Services.

9. Limitation of Liability

To the fullest extent permitted by law, TAM and its affiliates, officers, directors, employees, and agents shall not be liable for any:

• Direct, indirect, incidental, or consequential damages arising from your use of the Services.
• Losses related to investment decisions, market conditions, or technical errors.
• Unauthorized access to or alteration of your account.

10. Indemnification

You agree to indemnify and hold harmless TAM, its affiliates, and employees from any claims, damages, or liabilities arising from your use of the Services, violation of these Terms, or infringement of third-party rights.

11. Governing Law and Dispute Resolution

11.1. Governing Law: These Terms are governed by and construed in accordance with the laws of Japan.

11.2. Arbitration: All disputes arising under these Terms shall be resolved through binding arbitration conducted in Tokyo, Japan, in accordance with the Japan Commercial Arbitration Association rules. Arbitration shall be conducted in English or Japanese.

11.3. Waiver of Class Actions: You waive any right to participate in class-action lawsuits or similar collective proceedings.

12. Termination

TAM reserves the right to suspend or terminate your access to the Services at any time, with or without cause or prior notice.

13. Force Majeure

TAM shall not be held liable for delays or failures resulting from events beyond its reasonable control, including natural disasters, cyberattacks, or government actions.

14. Miscellaneous Provisions

14.1. Severability: If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in effect.

14.2. Entire Agreement: These Terms constitute the entire agreement between you and TAM regarding your use of the Services.

14.3. Assignment: You may not assign these Terms without TAM’s prior written consent.

15. Contact Information

For questions or concerns regarding these Terms, please contact us at:

Tokyo Asset Management

policy@tokyoassets.com