Terms of Service

This Agreement constitutes the complete understanding between Pebble Capital Limited ("the Firm," "we," "us," "our") and the Client ("you," "your") regarding the provision of financial advisory and wealth management services.

1.1 Services Covered

• Financial Planning and Advisory Services
• Wealth Management and Portfolio Management
• Investment Advisory for Gold, Crypto, and Tech Markets
• Retirement and Estate Planning
• Tax Optimization Strategies
• Risk Management Advisory

1.2 Client Classification

You will be classified according to regulatory requirements as either a Retail Client, Professional Client, or Eligible Counterparty, which determines the level of regulatory protection afforded to you.

As a Client, you agree to the following responsibilities:

• Accurate Information: Provide complete, accurate, and timely information necessary for us to provide services
• Documentation: Submit all required identification and financial documentation for KYC/AML compliance
• Communication: Promptly review and respond to communications regarding your account
• Instructions: Provide clear and timely instructions for transactions and account management
• Updates: Notify us immediately of any material changes to your financial situation or objectives
• Compliance: Adhere to all applicable laws and regulations regarding your investments

Our fee structure is designed to be transparent and aligned with your interests:

3.1 Additional Costs

You are responsible for third-party costs including but not limited to:

• Custodial and brokerage fees
• Transaction and execution costs
• Fund management fees
• Regulatory and compliance costs
• Taxes and government levies

3.2 Fee Changes

We reserve the right to modify our fee structure with 30 days' written notice. Continued use of our services after such notice constitutes acceptance of the new fees.

Investment advisory services involve various risks that you should understand:

• Market Risk: The risk of losses due to factors affecting the overall performance of financial markets
• Credit Risk: The risk that a borrower defaults on their obligations
• Liquidity Risk: The risk of being unable to sell an investment at a reasonable price
• Inflation Risk: The risk that inflation will erode the purchasing power of your returns
• Concentration Risk: The risk of loss from having too much exposure to a single asset or sector
• Regulatory Risk: Changes in laws or regulations that may affect investments
• Currency Risk: For international investments, the risk of currency exchange rate fluctuations

4.1 Specialized Market Risks

Gold & Precious Metals: Subject to commodity price fluctuations, geopolitical factors, and storage risks.

Crypto Assets: Highly volatile, regulatory uncertainty, technological risks, and custody challenges.

Technology Markets: Rapid innovation cycles, high competition, and valuation volatility.

5.1 Investment Approach

Our investment philosophy is based on:

• Diversification across asset classes and geographies
• Risk-adjusted return optimization
• Long-term wealth preservation and growth
• Active management with disciplined rebalancing
• Integration of traditional and alternative assets

5.2 Discretionary Authority

With your written authorization, we may exercise discretionary authority to:

• Buy and sell securities within agreed parameters
• Rebalance portfolios according to strategic allocations
• Execute tax-loss harvesting strategies
• Make cash management decisions
• Adjust positions based on market conditions

6.1 Agreement Duration

This Agreement becomes effective upon your acceptance and continues until terminated by either party.

6.2 Termination Rights

Client Termination: You may terminate this Agreement at any time with 30 days' written notice.

Firm Termination: We may terminate this Agreement with 30 days' written notice if:

• You breach any material term of this Agreement
• We determine we can no longer provide suitable services
• Regulatory or compliance issues require termination
• You become insolvent or declare bankruptcy

6.3 Post-Termination

Upon termination:

• All accrued fees and expenses become immediately payable
• We will provide a final accounting statement
• We will assist in transferring assets to another advisor if requested
• Confidentiality obligations continue indefinitely

We are committed to protecting your confidential information as outlined in our Privacy Policy. Additional terms include:

• We will not disclose your information except as required by law or with your consent
• You consent to our collection and use of personal data for service provision
• We implement industry-standard security measures
• You have rights to access and correct your personal information

8.1 Standard of Care

We will exercise the care, skill, and diligence of a reasonably prudent financial advisor. However, we do not:

• Guarantee investment performance or specific results
• Assume responsibility for market movements or economic conditions
• Guarantee against loss of principal

8.2 Liability Cap

Our maximum aggregate liability for any claims arising from this Agreement shall not exceed the total fees paid by you in the 12 months preceding the claim.

8.3 Exclusions

We are not liable for:

• Losses due to market fluctuations or economic conditions
• Acts or omissions of third-party custodians or brokers
• Force majeure events beyond our reasonable control
• Your failure to follow our advice or provide accurate information

9.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to conflict of law principles.

9.2 Dispute Resolution

Any disputes arising from this Agreement shall be resolved as follows:

1. Negotiation: Parties will attempt to resolve disputes through good faith negotiation for 30 days
2. Mediation: If negotiation fails, disputes will be submitted to mediation with a mutually agreed mediator
3. Arbitration: If mediation fails, disputes shall be settled by binding arbitration under AAA rules
4. Litigation: As a last resort, parties may pursue claims in courts of competent jurisdiction in New York

9.3 Class Action Waiver

You waive any right to participate in class actions or class arbitrations. All claims must be brought in your individual capacity.

10.1 Amendments

We may amend these Terms with 30 days' written notice. Continued use of our services after notice constitutes acceptance of amendments.

10.2 Entire Agreement

This Agreement, together with any Investment Management Agreement and Privacy Policy, constitutes the entire agreement between parties.

10.3 Severability

If any provision is found invalid or unenforceable, the remaining provisions remain in full force.

10.4 Assignment

You may not assign this Agreement without our written consent. We may assign this Agreement to a successor entity.

10.5 Notices

All notices shall be in writing and sent to your last known address or email on file.