Terms & Conditions

1.1 These Terms & Conditions (the “Terms”) apply to anyone who contributes money (a “Contribution”) through this website to the private hedging and trading arrangement operated under the name Hedging Firm Institute for Financial Services / Royal Maple Wealth (“we”, “us”, or the “Manager”). A person who makes a Contribution is an “Investor” or “you”.

1.2 This is a personal, private hedging and trading arrangement. Contributions from Investors are pooled and used for trading in financial markets, which may include gold, cryptocurrencies and other instruments.

1.3 This arrangement is not a bank deposit, is not insured by any deposit-protection or compensation scheme, and is not a licensed or regulated investment product. No regulator supervises or oversees it, and you will not have the protections that apply to regulated funds or investment services.

1.4 Nothing on this website is investment, legal or tax advice. Please seek independent advice before contributing.

2.1 You must be at least 18 years old and legally able to enter into these Terms.

2.2 You must contribute only your own money. Do not contribute borrowed money, or any money you cannot afford to lose in full.

2.3 You are solely responsible for making sure that using cryptocurrency, and taking part in this arrangement, is legal where you live and is compliant with all laws, tax rules and foreign-exchange rules that apply to you.

2.4 Some countries restrict or prohibit cryptocurrency transactions. You must assess this legal risk yourself before contributing.

3.1 Contributions are paid only in USDT on BNB Smart Chain (BEP20), sent by you directly to the receiving wallet shown on the payment page for your order. Amounts are set in US dollars (USD) and 1 USDT is counted as 1 USD. Each order shows an exact amount to send (your Contribution plus a few unique cents, which form part of your Contribution). Each open campaign shows its own minimum and maximum Contribution.

3.1a Sending any other token, or using any other network (for example Ethereum ERC20 or Tron TRC20), or sending to any other address, will result in the loss of those funds. We cannot recover them and you have no claim against us for them.

3.1b Your payment is confirmed only when our server verifies, on BNB Smart Chain, a successful USDT transfer of at least the exact amount to the receiving wallet of your order, made after the order was created, with at least 15 block confirmations, using the transaction hash (TXID) you submit. Each transaction can be used for one order only. A lower amount is not confirmed; we will contact you. The Confirmation Date is the date this verification succeeds (or the date we confirm the payment manually after checking it).

3.1c An order that is not paid within 48 hours expires. If you sent USDT for an expired order, contact us with your TXID.

3.2 Blockchain network fees are borne by the Investor, both on your deposit and on your settlement payout. Exchange fees, and any change in a cryptocurrency's price before, during or after your payment, are also your responsibility.

3.3 Crypto payments cannot be reversed once sent. Please check the address, amount, token (USDT) and network (BNB Smart Chain, BEP20) before sending.

3.4 When you contribute you must give a USDT (BEP20) payout wallet address on the BNB Smart Chain. This is the wallet your settlement will be paid to (see section 6). You are responsible for giving a correct address that you control.

4.1 Each Contribution runs on its own investment period. There are no shared start or end dates for all Investors: the period starts on the date your payment is confirmed (the “Confirmation Date”).

4.2 The investment period is 90 working days. Working days are Monday to Friday; only Saturdays and Sundays are excluded, and public holidays are not excluded (they count as working days). Day 1 is the first working day after the Confirmation Date. The 90th working day is the “Maturity Date”. All dates, days and working days are determined in UTC (Coordinated Universal Time), including the Confirmation Date, the Maturity Date and the settlement deadline.

4.3 Your Confirmation Date, Maturity Date and settlement deadline are shown in your confirmation email and in the investor dashboard.

4.4 If you make more than one Contribution, each one has its own serial number and its own 90-working-day period.

5.1 No withdrawal, partial withdrawal, cancellation or refund of a Contribution is possible before the end of its 90-working-day investment period, for any reason.

5.2 Only contribute money that you will not need during the whole investment period.

6.1 How your result is calculated. We record the account equity of the pooled trading capital (the “NAV”) every day. Your pool change is the percentage change of the NAV from your Confirmation Date to your Maturity Date (using the latest NAV recorded on or before each date), after trading costs such as spreads, commissions, swaps, and exchange fees. That percentage is applied to your Contribution.

6.2 If your investment period ends with a net trading profit, you receive your Contribution plus 50% of that net trading profit. The other 50% is retained by the Manager.

6.3 If your investment period ends with no profit or with a net loss, nothing is distributed and you receive only the remaining capital of your Contribution after losses, which may be zero.

6.4 Each investment period is settled independently. Profits or losses are not carried forward to any other Contribution or period, and there is no high-water mark.

6.5 Settlement is paid within 14 calendar days (UTC) after the Maturity Date, in USDT on the BEP20 network (BNB Smart Chain), to the payout wallet address you gave (section 3.4). The BEP20 network fee for the payout is deducted from the settlement amount.

6.6 If you need to change your payout wallet, email us from the address you used to contribute, before the Maturity Date. We may ask you to confirm the change.

7.1 Trading losses are borne by Investors. A loss over your investment period reduces the capital returned to you, up to the whole of your Contribution.

7.2 Market conditions, leverage, sudden price gaps, technical failures, exchange or broker failures, and other events outside our control can cause losses, including the loss of the entire pooled capital.

8.1 There is no guaranteed profit, no fixed or minimum return, and no capital protection. Any example, illustration or past result is not a promise.

8.2 Past results do not indicate future results. A profitable investment period does not mean any later period will be profitable.

9.1 By making a Contribution you accept that, if your Contribution is partly or fully lost through trading, you will have no claim for compensation against the Manager or anyone else involved in the arrangement, to the extent permitted by applicable law.

9.2 Nothing in these Terms excludes liability that cannot be excluded under applicable law.

10.1 At the start: when your payment is confirmed, we email you a confirmation with your unique serial number, the amount, your Confirmation Date, Maturity Date, settlement deadline and payout wallet.

10.2 During the period: you can check your investment at any time in the investor dashboard using your serial number and the email address you used.

10.3 At the end: when your investment is settled, we email you a settlement statement as a PDF, showing the NAV at the start and end of your period, the pool change, your profit share or loss, the network fee deducted, the final amount paid, the wallet and the transaction reference. You can also download it from the investor dashboard.

10.4 Please keep your email address up to date and tell us promptly if you believe a statement is wrong.

11.1 We, or our payment provider, may ask you for identity documents, proof of address, or information about the source of your funds, before or after accepting a Contribution or making any payment to you.

11.2 We may refuse, delay or return any Contribution, at our discretion, including if checks are not completed, if we suspect fraud or unlawful activity, or if participation may be unlawful where you are. Payments may also be held where our payment provider requires it.

12.1 We handle the details you give us as described in our Privacy Policy.

13.1 We may update these Terms. The version date at the top of this page shows the current version. Changes apply from the date they are published on this page, and we will email Investors about material changes.

13.2 The version you accepted when contributing is recorded with your order.

14.1 If you have a question or complaint, please email support@royalmaplewealth.com with your serial number. Any dispute will first be resolved through good-faith discussion by email.

15.1 Only an Investor with a confirmed own Contribution receives a personal referral code and link, shown in the Investor Login. The program is single-level: only the direct referrer is credited; there are no multi-level or indirect commissions.

15.2 Commission is paid only on the referred person’s first confirmed Contribution: when that first Contribution, made with your referral code, is confirmed, you are credited 3% of it. Later Contributions by the same person (identified by email address or payout wallet, under any serial number) earn no commission and do not count as new referrals. Unconfirmed, partial or expired orders earn nothing. A referral code should be entered (or come from your link) when the order is created. We may attach a referral to an order afterwards only at our discretion, in clear cases.

15.3 The commission is paid by us from our own share, not from Investors’ funds or the trading pool, and it does not reduce the referred Investor’s Contribution.

15.4 Each commission is held for 7 days: it becomes available for withdrawal 7 days after it is credited (the referred Contribution is confirmed). You can request a withdrawal of your available referral balance from 50 USDT, at most once every 7 days, to your own USDT (BEP20) wallet. Approved requests are paid to your wallet within 1 working day after your request (UTC). The referral balance is separate from your Contribution and does not change its 90-working-day period.

15.5 Self-referral (including using your own code with another email or wallet) is not allowed. We may withhold, cancel or reverse commission in case of fraud, self-referral, misuse or a reversed or refunded Contribution, and we may change or end the program for future orders.

15.6 Referral commission is not an investment return. No income is guaranteed, and you must not promise others any profit or guaranteed return when sharing your link.