1.      Introduction

‍This Non-Trading Transactions Policy (“Policy”) governs all deposits, withdrawals, internal transfers, refunds, and other financial transactions conducted by Clients (“Client”, “you”, “your”) with Amari Markets Ltd. (the “Company”, “Amari Markets”, “we”, “us”, or “our”) other than trading transactions executed on the Company’s trading platform (the “Platform”)
.The purpose of this Policy is to safeguard the integrity of the Company’s operations, ensure compliance with anti-money laundering and counter-terrorist financing (“AML/CTF”) obligations, and set out the rules, responsibilities, and limitations applicable to Clients when making or receiving payments.
By opening an account or conducting any non-trading transaction with the Company, the Client agrees to be bound by this Policy as an integral part of the Client Agreement.

2.    Deposits

‍2.1   Source of Funds
All deposits must originate from an account, card, or payment method in the Client’s own name. Deposits from third parties, anonymous sources, or unverified accounts are strictly prohibited.

2.2   Verification
The Company may require supporting documentation to verify the source of funds before crediting a deposit. Failure to provide such documentation may result in rejection, delay, or reversal of the transaction.

2.3   Fees and Processing Times Deposits may be subject to fees charged by payment processors, banks, or intermediaries. Processing times vary depending on the method used. The Company shall not be liable for delays or deductions imposed by third parties.

3.    Withdrawals

‍3.1   Method of Withdrawal
Funds may only be withdrawn to accounts in the Client’s own name and, where possible, to the same payment method used for deposit. The Company reserves the right to restrict or refuse withdrawals to alternative destinations.

3.2   Verification Requirements
Withdrawals maybe delayed or withheld until the Client has provided all required identification, AML/CTF, and account verification documents. The Company shall not be liable for delays arising from incomplete or inaccurate documentation.

3.3   Withdrawal Limits
The Company may impose minimum or maximum withdrawal limits, frequency restrictions, or holding periods to ensure compliance with risk management and AML/CTF standards.

3.4   Fees and Charges
Withdrawal requests may be subject to bank charges, processing fees, or currency conversion costs. Such costs are borne exclusively by the Client.

3.5   Withdrawal Processing via Company or Affiliated Accounts 
i.    The Client expressly acknowledges and agrees that, for operational, liquidity, or compliance reasons, withdrawals maybe processed and remitted to the Client from the Company’s own corporate accounts, from segregated client accounts, or from third-party accounts affiliated with or designated by the Company.                                    
ii.   The Client undertakes not to raise any objection, dispute, or complaint regarding the source account from which funds are remitted, provided that the withdrawal has been initiated and approved by the Company in accordance with this Policy.                                  
iii.   The Client further acknowledges and accepts that:
a)  all such withdrawals constitute lawful settlement of their entitlement under the Client Agreement;
b)  they shall treat such withdrawals as their own lawful receipts for tax and regulatory reporting purposes in their jurisdiction;
c)   the Company bears no responsibility for the Client’s tax obligations arising from such withdrawals; and
d)  the Client shall indemnify and hold harmless the Company from any claim, liability, or enforcement action arising from the Client’s failure to properly declare such withdrawals in their personal tax filings.

4.    Internal Transfers

‍4.1   Conditions
Where permitted, internal transfers between Client accounts must be requested in writing and supported by relevant identification. Transfers to third parties or unrelated accounts are not permitted.

4.2  Company’s Discretion
The Company reserves the absolute right to approve, delay, reject, or reverse internal transfer requests without liability to the Client.

5.     Refunds and Chargebacks

‍5.1    Refund Policy
All deposits made by the Client are final. Once credited to a Client’s account, deposits shall not be refundable, reversible, or transferable, except where expressly required by law or where the Company determines, in its sole discretion, that extraordinary circumstances justify a refund. Refund requests will be reviewed strictly on a case-by-case basis, and the Company’s decision shall be final and binding. The Client acknowledges that refunds are not guaranteed and shall not be demanded as of right.

5.2   Conditions for Refund Consideration
The Company may, at its absolute discretion, consider a refund request only where:
the Client has not engaged in any trading activity with the deposited funds; there fund does not contravene AML/CTF rules or expose the Company to liability; the Client provides satisfactory documentation supporting the request. Even in such circumstances, the Company reserves the right to decline the refund without explanation.

5.3   Charge back Prohibition
The Client expressly undertakes not to initiate or request chargebacks with their bank, card issuer, or payment service provider in respect of deposits made to the Company. Chargebacks constitute a material breach of this Policy and the Client Agreement.

5.4   Consequences of Chargebacks
Where a chargeback is initiated, whether valid or fraudulent, the Company may, without limitation:
a)   immediately suspend, freeze, or terminate the Client’s account;
b)   reverse or cancel open transactions;
c)   seize funds from the Client’s account to offset the chargeback amount and associated costs;
d)   report the Client to relevant credit bureaus, financial institutions, regulators, or enforcement authorities;
e)   pursue civil or criminal action against the Client to recover damages.

5.5   Recovery of Costs
The Client shall be fully liable for all costs incurred by the Company in connection with charge backs, including:
a)   bank or payment processor fees;
b)   administrative expenses;
c)   collection costs;
d)  legal fees and disbursements. The Company may debit such costs directly from the Client’s account balance or recover them through legal action.

5.6   Indemnity for Chargebacks and Refund Claims
The Client agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, affiliates, and service providers against any loss, penalty, investigation, fine, or expense (including legal fees) arising from or connected with:
a)   any refund request or charge back initiated by the Client;
b)   any misrepresentation made by the Client to banks, card issuers, or payment providers;
c)   enforcement actions, penalties, or damages imposed on the Company as a result of such chargebacks or refund claims.

5.7   No Waiver of Rights
Nothing in this clause shall limit the Company’s right to pursue further remedies available under law, including recovery of damages in excess of the chargeback or refund amount.

5.8   Survival The Client’s obligations under this clause shall survive termination of their account and remain enforceable indefinitely.

6.     AML/CTF Compliance

‍6.1   Monitoring
All non-trading transactions are subject to monitoring and review in accordance with the Company’s AML/CTF Policy.

6.2  Right to Refuse
The Company reserves the right to block, reverse, or report any transaction where suspicious activity is detected, or where funds are believed to originate from unlawful or unverified sources.1.3       Reporting The Company may report suspicious transactions to competent authorities without notice to the Client and without liability for such reporting.

7.    Liability Disclaimer

‍7.1  General Disclaimer
The Client acknowledges and agrees that all non-trading transactions, including deposits, withdrawals, transfers, refunds, and related financial operations, are subject to risks outside the Company’s control. The Company shall not be liable for any losses, delays, costs, or damages arising from such risks, except in cases of the Company’s proven gross negligence or fraud.

7.2  Third-Party Service Providers
Deposits and withdrawals may involve third-party banks, payment processors, financial institutions, or intermediaries. The Company shall not be liable for:
a)  delays caused by such third parties;
b)  deductions, charges, or fees imposed by them;
c)  errors, system failures, or insolvency of third parties;
d)  rejection, reversal, or freezing of transactions by them.

7.3  Regulatory and Governmental Actions
The Company shall not be responsible for losses, delays, or inability to complete transactions caused by:
a)  governmental restrictions, sanctions, or enforcement actions;
b)  confiscation, freezing, or seizure of funds by authorities;
c)  compliance with court orders, subpoenas, or regulatory directives;
d)  reporting obligations under AML/CTF, tax, or financial regulations.

7.4  Currency Conversion and Exchange Risks
Where deposits or withdrawals involve conversion between currencies, the Client acknowledges that:
a)   exchange rates are outside the Company’s control;
b)   rates may vary significantly between institutions;
c)   losses may occur due to conversion spreads, fluctuations, or fees;
d)   the Company shall not be liable for such losses.

7.5   Tax Responsibility
The Client accepts sole responsibility for any tax obligations, reporting duties, or penalties arising from deposits, withdrawals, or transfers. The Company does not provide tax advice and shall not be liable for the Client’s failure to comply with tax laws.

7.6   Opportunity Costs and Indirect Losses
The Client expressly acknowledges that the Company shall not be liable for indirect, incidental, consequential, special, or punitive damages, including but not limited to:
a)   lost profits or unrealized gains;
b)   reputational harm;
c)   opportunity costs due to delayed or failed transactions;
d)   loss of business or investment opportunities.

7.7   Client’s Sole Risk
All non-trading transactions are undertaken entirely at the Client’s risk. The Client waives any right to claim damages, restitution, or indemnification from the Company in connection with delays, reversals, or failures of such transactions.

7.8  Survival
The disclaimers and limitations of liability contained in this clause shall survive termination of the Client’s account and remain binding indefinitely.

8.    Indemnity

‍8.1  General Obligation
The Client agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, affiliates, agents, and service providers from and against any and all claims, demands, investigations, proceedings, damages, penalties, fines, liabilities, losses, costs, and expenses (including but not limited to reasonable legal and professional fees) arising directly or indirectly from the Client’s acts, omissions, or use of the Company’s services.

8.2  Scope of Indemnity
Without limitation, the Client’s indemnity obligations include liabilities arising from:
a)  deposits, withdrawals, or transfers made in breach of this Policy or the Client Agreement;
b)  provision of false, misleading, incomplete, or fraudulent information or documentation;
c)  initiation of chargebacks, refund claims, or payment disputes;
d)  failure to comply with AML/CTF, tax, or regulatory obligations in their jurisdiction;
e)  regulatory or governmental investigations, enforcement actions, or sanctions directed at the Company as a result of the Client’s transactions;
f)   third-party claims (including banks, card issuers, or payment processors) arising from the Client’s actions;
g)  any attempt by the Client to deny, object to, or reverse payments received via the Company’s corporate or affiliated third-party accounts.

8.3  Right of Set-Off
The Company shall have the absolute right, without prior notice, to set off, deduct, or apply any funds held in the Client’s trading account or wallet toward satisfaction of indemnity obligations under this clause. The Client expressly authorizes the Company to take such action as necessary to recover amounts owed.

8.4  Survival
The Client’s indemnity obligations shall survive termination of their account, closure of services, or cessation of the contractual relationship, and shall remain binding indefinitely until fully discharged.

8.5  No Limitation of Remedies
The indemnity provided in this clause shall be in addition to, and not in limitation of, any other rights or remedies available to the Company under law, equity, or contract.

9.    Amendments to the Policy

‍9.1  Company’s Right to Amend
The Company reserves the absolute right, at its sole discretion and without prior notice, to amend, update, revise, supplement, or replace this Policy, in whole or in part, at any time it deems necessary or appropriate to reflect changes in law, regulation, market conditions, operational requirements, risk management standards, or business practices.

9.2  Effective Date of Amendments
Any amendment, update, or modification to this Policy shall become effective immediately upon publication on the Company’s official website or Platform, unless otherwise specified. The Company is under no obligation to notify Clients individually of such amendments.

9.3  Client’s Duty of Review
The Client acknowledges and agrees that it is their sole responsibility to review this Policy periodically and remain informed of the most current version. Continued use of the Platform or initiation of any deposit, withdrawal, or non-trading transaction after the publication of amendments shall constitute the Client’s conclusive acceptance of the revised Policy.

9.4  No Liability of the Company
The Company shall not be liable for any loss, cost, expense, penalty, or opportunity cost suffered by the Client as a result of amendments to this Policy. The Client waives any right to challenge, dispute, or claim compensation for transactions impacted by amendments.

9.5  Regulatory and Compliance Priority
Where amendments are required to comply with applicable laws, regulations, or regulatory directives, such amendments shall take effect immediately, regardless of whether or not the Client has reviewed them. The Client acknowledges that such amendments are binding upon them without limitation.

9.6  Survival
This clause shall survive termination of the Client’s account. The Client’s obligations under the amended Policy remain binding until fully discharged, regardless of the version in effect at the time of account termination.

10.    Governing Law and Dispute Resolution

‍10.1   Exclusive Governing Law
This Policy, together with all non-trading transactions conducted by the Client, shall be governed exclusively by and construed strictly in accordance with the laws of Saint Lucia, without reference to conflict of law provisions that might otherwise permit the application of another jurisdiction’s laws.

10.2  Binding Arbitration
Any dispute, controversy, or claim arising out of or relating to this Policy, the Client Agreement, or the Client’s non-trading transactions with the Company shall be finally and exclusively resolved by binding arbitration seated in Saint Lucia. The arbitration shall be administered in accordance with the International Arbitration Rules of the Singapore International Arbitration Centre (SIAC), as adopted by the Company. The arbitral award shall be final, binding, and enforceable against the Client in any jurisdiction where they hold assets.

10.3  Waiver of Foreign Proceedings
The Client irrevocably undertakes that they shall not:
a)   initiate or participate in any proceedings, lawsuits, complaints, or enforcement actions against the Company in any jurisdiction other than Saint Lucia;
b)   bring or join any class action, collective claim, or multi-party proceeding against the Company;
c)   seek to enforce or rely upon any foreign judgment, order, or regulatory action against the Company unless recognized by the courts of Saint Lucia.

10.4  Indemnity for Breach of Jurisdiction
Clause If the Client initiates, participates in, or attempts to enforce proceedings in violation of this clause, the Client shall indemnify and hold harmless the Company, its directors, officers, employees, affiliates, and service providers against all costs, damages, legal fees, penalties, or liabilities incurred in defending or resisting such proceedings.

10.5  Survival
The governing law, arbitration, waivers, and indemnity obligations set forth in this clauseshall survive termination of the Client’s account and remain bindingindefinitely.