Last Updated: August 12, 2025

Welcome to the services provided by hashhedge.com (“Company”, “we”, “our” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our services, including but not limited to our platform, website, tools, and resources (collectively referred to as the “Platform”).

By using our Platform, you agree to be bound by these Terms. If you do not agree to these Terms, you must cease using our Platform immediately. If you are using the Platform on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.

These Terms, including all provisions outlined herein, are valid and enforceable as of the date mentioned herein. By accessing or using the Platform, users confirm their agreement to the Terms. The Company reserves the right to update this document in accordance with Section 2 of these Terms, and users are encouraged to review the most current version available on the Platform.

The group of companies that form hashhedge.com provide specialized challenges in proprietary trading designed to enhance users’ skills and competencies through structured learning and practice. Through our training-focused platform as well as proptrading platform, we provide users with a controlled environment in which they can practice trading strategies, improve risk management skills, and receive performance-based assessments. Following successful completion of the educational challenges, and subject to meeting all of the conditions, the users are granted access to a live account for proprietary trading.

For the purposes of these Terms, the following definitions apply:

• “Challenge”: A structured, professional development program offered through the Platform, designed to assess and enhance a user’s skills and competencies. Each Challenge includes specific objectives, evaluation criteria, and timeframes for completion. Challenges may involve educational materials, practical tasks, and performance reviews.
• “Live Account”: After successfully completing the Challenge and Verification stages, users can access a Live Account, as outlined in Section 9 herein.
• “Platform”: The suite of online tools, resources, and services offered by us through our website at https://www.hashhedge.com/. The Platform enables users to participate in professional Challenges, manage their progress through User’s Accounts, access educational content, and utilize analytics and reporting tools to enhance their skills and professional growth. The Platform also includes any associated mobile applications, updates, and related software provided by us.
• “Services”: The comprehensive suite of professional training, development, and support services offered by us through the Platform, including but not limited to educational Challenges, Users’ Accounts for simulated trading experience, and access to training materials and analytics.
• “User”: Any individual or entity that registers to access or utilize the Platform, including participants in Challenges and holders of User’s Accounts. Users must meet the eligibility criteria outlined in these Terms and are responsible for complying with all provisions herein.
• “User’s Account”: The user's dashboard accessible upon registration for the purpose of participating in Challenges and tracking progress. The user’s Account provides analytical tools and resources for monitoring performance and achieving Challenge objectives.
• “User Content”: Any materials, information, or data submitted, uploaded, or shared by users through the Platform, including but not limited to feedback, performance data, and participation records in Challenges.
• “Verification”: The structured review and analysis of user performance during Challenges, based on predefined criteria such as risk management, adherence to rules, and achievement of objectives. Results of the Verification stage determine eligibility for progression or access to a Live Account.
• “Prohibited Practices”: Actions or behaviors expressly forbidden under these Terms, including fraudulent activities, unauthorized use of the Platform, or breaches of applicable laws.

By accessing or using the Platform, you confirm that you have read, understood, and agreed to these Terms. You also acknowledge that any personal data you provide will be processed in accordance with our Privacy Policy.

We reserve the right to update, amend, or modify these Terms at our sole discretion and at any time. Changes to these Terms may be made to reflect updates in our business practices, regulatory requirements, or for any other legitimate reason deemed necessary by the Company.

When changes are made, we will provide notice by updating the “Last Updated” date at the top of these Terms. For material changes that may significantly impact users’ rights or obligations, the Company will endeavor to notify users through additional channels, such as email or in-platform notifications.

By continuing to access or use the Platform and Services after the updated Terms become effective, users agree to be bound by the revised Terms. If a user does not agree with the changes, they must discontinue using the Platform and Services and close their account.

The most current version of these Terms will always be available at the Platform. It is the responsibility of users to review these Terms periodically to ensure they are aware of any modifications.

Unless otherwise specified, any changes to these Terms will not retroactively modify the parties’ rights and obligations concerning prior use of the Platform. However, if retroactive application is required by law or regulatory authorities, the updated Terms will be applicable accordingly.

Any modifications to these Terms will comply with the regulatory requirements applicable in the United Arab Emirates, as well as any international obligations relevant to the Company’s operations.

The services offered by the Company are educational and informational in nature and should not be construed as financial or investment advice. We do not provide guidance or recommendations regarding the purchase, sale, or holding of any financial instruments, nor do we manage investment portfolios on behalf of users. By using the platform and participating in any challenges or activities provided by us, you acknowledge and agree that:

• No Professional Advice. The information, resources, and services offered by us are solely for the purpose of personal skill development and education. The Company, its employees, agents, and representatives are not licensed financial advisors, and any communication from us should not be interpreted as financial, legal, tax, or investment advice.
• Independent Judgment Required. Users are solely responsible for making their own investment and financial decisions. We do not guarantee the accuracy, completeness, or timeliness of any information provided on its platform and disclaims all liability for any decisions made based on this information.
• No Fiduciary Relationship. We do not act as an investment advisor or fiduciary and does not have a duty to evaluate the suitability of any financial decision made by its users.
• Third-Party Tools or Services. Any third-party tools or services that may be accessible through our platform are provided solely for convenience and are subject to the respective terms and conditions of those third parties. We do not endorse, control, or guarantee the quality of these tools or services and assumes no liability for their use.
• Cryptocurrency fluctuations: Like any other asset, the values of virtual assets, such as cryptocurrencies, can fluctuate significantly. There is a substantial risk of economic losses when purchasing, selling, holding, or investing in virtual assets and their derivatives. You are aware of the risks associated with transactions involving virtual assets and their derivatives; you shall assume all risks related to the use of our services; and we shall not be liable for any such risks or adverse outcomes.

If you have specific questions regarding your investment or trading strategies, please consult with a qualified financial advisor.

To engage with the Services offered by us, you represent and warrant that you:

• Are at least eighteen (18) years of age or older and possess the legal capacity to enter into this Agreement.
• Reside in a jurisdiction where the use of the Services is permitted under applicable laws, regulations, and ordinances.
• Are not subject to any restrictions that would prohibit or limit your access to the Services under international sanctions or local regulations.

If you are accessing or using the Services on behalf of a legal entity, you represent and warrant that:

• You have the legal authority to bind that entity to these Terms.
• You will ensure that your use of the Services complies with all applicable laws, regulations, and the terms of this Agreement.

You affirm that your participation in the Services adheres to all relevant laws, regulations, and international treaties applicable to your jurisdiction. You further warrant that:

• Your activities on the platform are for lawful purposes and do not involve fraud, money laundering, or other illegal activities.
• You will comply with any licensing, registration, or reporting requirements imposed by the applicable regulatory authorities.

The Services are not available to:

• Individuals or entities (including those owned or controlled by individuals) that are subject to economic or trade sanctions enforced by any governmental authority, or that are designated on any list of prohibited or restricted parties. This includes, but is not limited to, lists from the United Nations Security Council, the European Union, His Majesty’s Treasury of the United Kingdom, and the U.S. Department of the Treasury;
• Individuals or entities listed on the “Denied Persons List” by the Bureau of Industry and Security of the U.S. Department of Commerce; or residents, citizens, or entities located in or incorporated under the laws of any country, territory, or jurisdiction that is subject to an embargo, has been designated as a terrorist-supporting country, or is otherwise under comprehensive economic sanctions by the United Nations, the European Union, the UK Treasury, or the U.S. Government. This includes, but is not limited to, countries and regions such as Cuba, Iran, North Korea, Syria, Yemen.

By accessing or using the Services, you represent and warrant that:

• You will provide accurate, current, and complete information during the registration process and promptly update this information as necessary.
• You are solely responsible for any activity conducted under your account and agree to notify the Company immediately if you suspect unauthorized use of your account.
• You will refrain from using the Services in a manner that violates any terms set forth in this Agreement or applicable laws.

Access to educational trading challenges is provided by Empower Academy Ltd, a company duly incorporated and registered in the United Arab Emirates under the registration number 01010596 (“proprietary trading firm”, “Firm”). The user acknowledges that their personal data may be shared within a related group of companies to enable this service.

The Company provides innovative and structured programs aimed at enhancing users’ skills and competencies through a variety of services. These services include, but are not limited to:

• Challenges: Structured training programs designed to help users achieve specific personal and professional goals within predefined timeframes and criteria.
• Verification: A part of the training program where users have to repeat their result and demonstrate skills and performance according to the criteria chosen during Challenge stage.
• User’s Accounts (Dashboard): Tools and resources to help users track and manage their participation in Challenges and other services provided on our Platform.
• Educational Resources: Access to training materials, tutorials, and analytics to support user growth and skill development.
• User Support: Comprehensive support services to guide users through the use of the Platform and ensure a seamless experience.

The Services are accessible through our proprietary Platform, which includes web-based tools, mobile applications, and other associated digital resources. Users are required to create an account to access and use the Services, as outlined in Clause 5.1.

Upon successful completion of the Challenge, the user may qualify for an opportunity to gain access to a Live Account as described in Section 9 herein.

By participating in the Challenge, the user consents to the Company sharing their personal data (e.g., Challenge performance, identity verification documents) with the proprietary trading firm solely for the purpose of evaluating the user’s eligibility for a Live Account.

To access the services provided by us, users are required to create an account on our Platform. During the registration process, users must provide accurate and complete personal information, including but not limited to:

• Full Name,
• Email Address,
• Contact Number,
• Date of Birth,
• Country of Residence,
• A unique Username and Password.

This information will be handled in accordance with our Privacy Policy. It is the user’s responsibility to ensure that the information provided is accurate, current, and complete.

The account created during registration is personal and non-transferable. Users are strictly prohibited from sharing their account credentials with third parties or creating accounts on behalf of another individual or entity without prior written authorization from us.

Multiple accounts associated with a single user without prior approval may result in the suspension or termination of all related accounts.

Users are solely responsible for maintaining the confidentiality of their account credentials and for all activities conducted through their account. If a user suspects unauthorized access or a security breach, they must notify us immediately at admin@hashhedge.com.

All information provided during account registration must be accurate, current, and complete. Users are required to promptly update their account information in the event of any changes. We are not responsible for verifying the accuracy of the information submitted by users and will not be held liable for any consequences arising from inaccurate or incomplete information.

The Company reserves the right to suspend or terminate accounts in cases of:

• Violation of these Terms and Conditions,
• Submission of false or misleading information,
• Unauthorized use of the Platform or Services, or
• Engagement in fraudulent, unlawful, or harmful activities.

Upon termination or suspension, the user will lose access to their account and the associated Services, without entitlement to refunds for any fees paid.

The Challenge Program we offer is a structured educational, training, and evaluation program designed to assess and develop users’ skills in cryptocurrency trading. The Challenges provide a unique opportunity for users to practice trading strategies, improve their skills, and receive performance-based assessments, allowing them to qualify for advanced resources to further their professional growth.

To join the Challenge Program, users must:

• Select a challenge plan that aligns with their skills and experience,
• Complete the registration process as outlined in Section 6,
• Pay the associated fee for the selected challenge plan, and
• Agree to adhere to the terms and objectives of the challenge.

Details regarding each challenge plan, including fees and objectives, are provided on the Platform and during the enrollment process. We reserve the right to update the features and objectives of each challenge to ensure compliance with industry standards and regulatory requirements.

Our Challenge Program offers multiple plans to accommodate users with varying skill sets and goals. Each plan is designed to test specific competencies and provide structured progression pathways. Key aspects of the challenge plans include:

• Customization: Users may select a challenge plan aligned with their expertise and career goals during the enrollment process.
• Criteria: Each plan contains predefined goals, performance metrics, and risk management benchmarks tailored to assess users’ skills effectively.
• Transparency: Full details of the objectives, rules, and success metrics for each challenge plan are available to users at the start of the program.

Each challenge plan includes specific objectives, such as:

• Profitability targets,
• Risk management thresholds,
• Minimum and maximum timeframes for completion, and
• Adherence to our platform guidelines.

Failure to meet these objectives may result in disqualification from the challenge, as determined solely by us.

Users who successfully complete the Challenge may qualify for additional opportunities, such as:

• Participation in more advanced challenge plans.
• Access to a proprietary trading Live Account.

The completion of one challenge plan does not automatically guarantee eligibility for higher-level challenges; users must meet all criteria specified for advancement.

We employ advanced tools and methodologies to monitor users’ activities during the challenge. These tools include, but are not limited to:

• Real-time tracking of user performance.
• Automated reporting systems for accuracy and consistency in evaluations.
• Periodic updates and progress summaries provided to users through their Accounts.

Users are encouraged to regularly review their performance reports and address any discrepancies with our support team.

Funds, profits, or any other assets generated by the User during Challenges within the demo trading environment are not real, do not hold monetary value and cannot be withdrawn, transferred, or redeemed for actual funds or assets.

We strictly prohibit:

• The use of unauthorized tools or methods to manipulate performance outcomes,
• Collusion with third parties to alter evaluation results, and
• Any activity deemed fraudulent or in violation of applicable laws or these Terms.
• Violations may result in immediate disqualification, suspension of services, and/or legal action.

While the Challenge is designed to provide users with valuable knowledge, training and evaluation opportunities, the Company makes no guarantees regarding specific outcomes or success rates.

Users may face disqualification from the challenge under the following circumstances:

• Use of unauthorized tools, software, or techniques to manipulate performance results.
• Failure to meet performance or risk management criteria.
• Breach of these Terms or engagement in fraudulent activities.
• Providing inaccurate or misleading information during registration or challenge participation.

Disqualification decisions are at the Company’s sole discretion and are final. Users will be notified of disqualification, including the reasons and evidence supporting the decision.

Users who wish to appeal a disqualification decision may do so by submitting a written request to us at admin@hashhedge.com
hedge.com within seven (7) days of receiving the notification. The appeal must include:

• A clear explanation of the grounds for the appeal,
• Any supporting evidence or documentation.

We will review the appeal and provide a final decision within fourteen (14) days.

The verification stage in the Challenge program is designed to objectively assess users’ skills, adherence to challenge guidelines, and overall performance. This process ensures fairness, transparency, and alignment with the established objectives. Successful navigation through this stage, marked by consistent and proficient results, qualifies users to be eligible for the Live Account stage.

During the Verification stage users will have to demonstrate skills and performance according to the criteria chosen during Challenge stage. The parameters and currency used in the Verification will correspond to those chosen during the Challenge.

Users will be evaluated and verified based on the following criteria:

• Adherence to Rules: Compliance with all guidelines and restrictions outlined in the challenge description.
• Risk Management: The ability to manage risk effectively while working within the set parameters of the challenge.
• Performance Metrics: Achievement of specific targets, including profitability, strategy execution, and consistency of results.
• Timeframes: Completion of objectives within the minimum and maximum duration specified for the challenge plan.

All criteria are communicated clearly at the start of the challenge and must be adhered to throughout its duration.

Upon completing the challenge and verification, users will receive a detailed evaluation report, which includes:

• Performance metrics,
• Areas of strength and improvement,
• Eligibility for a higher-level challenge or a proprietary trading Live Account.

The evaluation report is final and serves as the basis for determining users’ outcomes and opportunities for advancement within the Challenge Program.

Upon successfully completing the Challenge Program, users become eligible for a Live Account, which allows them to engage in live trading on behalf of the proprietary trading firm using the firm's own capital. Through this arrangement, participants will have the opportunity to earn rewards based on their successful trades.

The Company provides no guarantees regarding the user’s eligibility for such opportunities. All criteria for selection, contractual obligations, profit-sharing arrangements, and risk management rules are solely determined and enforced by the third-party firm. We are not affiliated with, liable for, or involved in any trading activities, disputes, or agreements between the user and the Firm.

Access to proprietary trading is provided by FinSmart Solution Ltd, a company duly incorporated and registered in Seychelles under the registration number 246832 (“proprietary trading firm”, “Firm”). The user acknowledges that their personal data may be shared within a related group of companies to enable this service.

All withdrawal and trading rules, including but not limited to profit split ratios, payout schedules, withdrawal methods, and minimum withdrawal thresholds, are outlined by the Proprietary trading firm and can be reviewed within each user's account dashboard. These rules are subject to modification at any time at the Firm’s sole discretion, and it is the responsibility of users to stay informed of any changes.

The Company serves only as an educational platform and does not engage in any trading activities. It assumes no responsibility or liability for any trading conducted by users. All users are encouraged to thoroughly review and understand the relevant rules and acknowledge that participating in trading involves inherent risks.

Users participating in the Challenge are required to pay applicable fees as outlined during the enrollment process. These fees are determined based on the selected challenge plan and are subject to the following terms:

• Fees are non-refundable except as explicitly stated in these Terms.
• Payment of fees confirms a user’s registration in the selected challenge plan.

We accept payments through the following methods:

• Credit or debit cards issued by internationally recognized financial institutions.
• Online payment solutions integrated into the Platform.
• Other payment methods authorized by us and communicated during enrollment.

All payments must be completed in the currency specified by us, and any conversion fees or additional charges imposed by financial institutions are the sole responsibility of the user.

Payment of fees must be completed in full at the time of enrollment unless otherwise stated. Users will not gain access to the Challenge or related resources until payment is successfully processed and confirmed by the Company.

All fees are exclusive of any applicable taxes, duties, or levies imposed by regulatory authorities. Should there be any taxes or additional charges applicable to the fees paid by a user, we shall notify you accordingly. Users are responsible for fulfilling their tax obligations, if any, in their home jurisdiction.

Failure to complete payment may result in:

• Suspension of access to the Challenge and related resources.
• Disqualification from ongoing challenges.
• Termination of the User’s Account, as determined at our discretion.

Refunds may be issued under the following circumstances:

• If we cancel a challenge before its commencement, users will be eligible for a full refund.
• In cases of technical errors resulting in duplicate payments, users may request a refund by contacting our support team at admin@hashhedge.com within seven (7) days of the transaction.

Refund requests must be submitted in writing and include all relevant details to facilitate processing. We reserve the right to decline refund requests that do not meet the specified criteria.

We reserve the right to update fees for future challenges or services at its sole discretion. Users will be notified of any changes to fees before enrolling in new challenges. Fee changes will not affect previously completed transactions or active challenges.

Each user is entitled to only one Account (“Dashboard”). All services available to the user must be consolidated and managed within this singular Dashboard. The number of active Challenges per Dashboard may be subject to limitations based on the number of subscribed Challenges and the fee paid by the user.

Access to the Dashboard is secured by unique login credentials, which must not be shared with any third party. If the user registers as a legal entity, they may authorize employees or representatives to access the Dashboard, but the user retains full responsibility for all activities conducted through their Dashboard. We are not liable for any misuse of the Dashboard or related services, including any adverse consequences arising from unauthorized access or negligent use by the user.

Access to the Dashboard and related services may be temporarily unavailable due to maintenance, updates, or other operational reasons. While we endeavor to minimize downtime, the Company is not responsible for any disruptions, unavailability of services, or loss of data resulting from such periods. Users acknowledge that service availability is not guaranteed at all times.

Users may request the deletion of their Dashboard by contacting our support team at admin@hashhedge.com. Such a request will be treated as a contract termination initiated by the user. Upon deletion:

• The user forfeits all rights to access the Dashboard and related services.
• No refunds will be issued for previously paid fees.

We will confirm receipt of the deletion request and notify the user upon completing the deletion process.

The following practices are strictly prohibited on our Platform. Users who engage in these activities may face suspension or termination of their accounts, disqualification from Challenges, or legal action, as deemed necessary by us.

Users are prohibited from engaging in any activity that:

• Violates local or international laws and regulations applicable to the user or the services provided by us.
• Involves fraud, money laundering, or financing of terrorism.

Users must not:

• Exploit vulnerabilities of the Platform for unauthorized access, performance manipulation, or other unfair advantages.
• Use automated tools, bots, scripts, or software to interact with the Platform without prior written authorization from us.
• Attempt to bypass security measures or interfere with the normal operation of the Platform.

The following actions are considered fraudulent and strictly prohibited:

• Providing false or misleading information during account registration or Challenge participation.
• Colluding with third parties to manipulate Challenge outcomes or evaluation results.

Users may not:

• Use the Platform for commercial purposes outside the scope explicitly permitted by us.
• Transfer or sell access to their accounts or Challenges to third parties.

During participation in Challenges, users are prohibited from:

• Manipulating trading data or Challenge results to meet performance metrics fraudulently.
• Failing to comply with risk management thresholds or other Challenge requirements.
• Engaging in actions that compromise the integrity of the Challenge process.

Hash Hedge strictly prohibits any form of market abuse, unfair or manipulative trading behaviour. Without limiting Sections 7 and 12 of these Terms, if we detect, or reasonably suspect, that a User is engaging in any of the activities listed below in connection with the Platform, a Challenge, or any other simulated environment provided by us, we may, at our sole discretion and without prior notice:

• intervene in, restrict, or close the User’s open positions;
• adjust, limit, or remove the User’s trading permissions;
• reset, suspend, or terminate a Challenge or the User’s Account; and/or
• take any other risk-management actions we consider appropriate to protect the integrity of the Platform, other users, the Firm, or any third party.

Such measures do not create any obligation on our part to monitor, supervise, or manage your trading activity on an ongoing basis and shall not be construed as portfolio management, investment advice, or any other regulated financial service.

The following activities are strictly prohibited and may trigger such interventions:

• engaging in price manipulation, coordinated trading, or any other malicious activity intended to distort real or simulated market conditions;
• using vulnerabilities of the Services, including but not limited to latency, pricing, execution logic, or other unfair means, in a way that may cause harm to the Platform, the Firm, or other users;
• engaging in any other conduct which, in our reasonable opinion, may damage the integrity or stability of the Platform, the orderly functioning of the simulated environment, or the reputation of Hash Hedge.

Users must not:

• Harass, threaten, or abuse our staff, other users, or third-party providers.
• Share offensive, defamatory, or inappropriate content on the Platform.

Users are prohibited from:

• Collecting, sharing, or distributing personal data of other users without their consent.
• Engaging in actions that breach our Privacy Policy or violate applicable data protection laws.

We reserve the right to take the following actions in response to prohibited practices:

• Immediate suspension or termination of the user’s account.
• Disqualification from active Challenges or forfeiture of generated rewards.
• Legal action, including reporting to regulatory or law enforcement authorities, if required.

The Company owns and retains all intellectual property rights in and to the Platform, its content, and the services provided, except for third-party materials explicitly licensed for use on the Platform. By using the Platform, you acknowledge and agree to the following terms regarding intellectual property:

All materials provided through the Platform, including but not limited to text, images, graphics, logos, software, videos, and other content (the “Materials”), are the exclusive property of the Company or its licensors. Unauthorized reproduction, modification, distribution, or display of these Materials without prior written consent from us is strictly prohibited.

Subject to compliance with these Terms, the Company grants users a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its Materials solely for the purposes outlined in these Terms. This license does not grant ownership or intellectual property rights in the Platform or Materials.

If you submit, upload, or otherwise provide content through the Platform (“User Content”), you grant us a worldwide, perpetual, royalty-free, non-exclusive license to use, reproduce, modify, adapt, distribute, and display the User Content for the purposes of operating, enhancing, and promoting the Platform.
You represent and warrant that:

• You own all rights, title, and interest in the User Content or have obtained all necessary permissions to grant the above license.
• The User Content does not infringe upon the rights of any third party or violate applicable laws.

We reserve the right to monitor and remove User Content at our sole discretion.

The trademarks, logos, and branding (“Trademarks”) displayed on the Platform are the property of the Company or third-party licensors. Users may not use the Trademarks without prior written authorization from us or the respective trademark owner.

We will take all necessary actions to protect our intellectual property rights, including pursuing legal remedies against unauthorized use, reproduction, or distribution of our Materials or Trademarks. Users are required to report any suspected violations of intellectual property rights.

The Platform may include materials or links to third-party content or services. Such materials are provided solely for convenience and do not constitute endorsement by us. Intellectual property rights in such third-party content remain with the respective owners.

Users are prohibited from:

• Reverse engineering, decompiling, or attempting to extract the source code of any software or technology available on the Platform.
• Using our Materials, Trademarks, or intellectual property for commercial purposes without prior written approval.
• Incorporating our content or branding into derivative works, websites, or services.

In the event of a violation of our intellectual property rights:

• We may suspend or terminate your account and access to the Platform.
• We reserve the right to seek legal remedies, including injunctive relief and damages, under UAE law and applicable international intellectual property treaties.

The Company is committed to providing professional development, educational and training services to enhance users’ skills and competencies. However, participation in our services involves potential risks that users must carefully consider. By using the Platform and participating in Challenges or other services, you acknowledge and agree to the following:

Participation in Challenges, training programs, and other services provided by us may involve but is not limited to the following risks:

• The possibility of errors or inaccuracies in information, tools, or resources provided through the Platform.
• External factors, such as market conditions or regulatory changes, that may impact Challenge outcomes.

Users are advised to evaluate their individual circumstances, including financial resources, experience, and objectives, before participating in any Challenge or training program offered by us.

To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages resulting from:

• Use or misuse of the Platform or its services.
• Inability to meet Challenge objectives or failure to complete training programs.
• Reliance on any information, tools, or resources provided through the Platform..

Users agree to take full responsibility for their participation in Challenges and training programs, including compliance with all applicable laws, regulations, and these Terms. Users acknowledge that their decisions, actions, and outcomes are their sole responsibility.

These Terms shall remain in full force and effect for the duration of the user’s access to or use of the Platform and Services provided by us.

Users may terminate their agreement with us at any time by:

• Submitting a written request for account deletion to our support team at admin@hashhedge.com.
• Discontinuing all use of the Platform and Services.

Upon termination, the user will no longer have access to their Account or any associated Services. Any outstanding obligations, such as fees or compliance with applicable regulations, shall remain enforceable.

We reserve the right to suspend or terminate a user’s access to the Platform and Services at our sole discretion, including but not limited to the following circumstances:

• Violation of these Terms.
• Engagement in fraudulent, unlawful, or harmful activities.
• Failure to comply with applicable laws.
• Non-payment of fees.
• Not activating an account for more than thirty (30) days

In the event of termination by us, users will receive written notice, including the effective date and reasons for termination.

Upon termination of these Terms:

• The user’s right to access and use the Platform and Services shall immediately cease.
• We reserve the right to retain account records for regulatory and audit purposes for a minimum of five (5) years in compliance with UAE law.

The provisions related to intellectual property, limitation of liability, confidentiality, risk acknowledgement, tax and regulatory compliance, and dispute resolution shall survive the termination or expiration of these Terms.

Users whose accounts have been terminated due to inactivity or voluntary closure may request reactivation, subject to:

• Compliance with the current Terms.
• Completion of any outstanding verification or fee requirements.

We shall not be liable for any failure or delay in performing our obligations under these Terms caused by circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, war, pandemics, labor disputes, or utility failures (“Force Majeure Event”). If a Force Majeure Event occurs:

• The affected party shall promptly notify the other party and provide relevant details.
• Obligations will be suspended for the duration of the event.
• Either party may terminate these Terms if the event continues for more than thirty (30) days, with users entitled to a pro-rata refund of unused fees for affected Services.

This provision does not apply to obligations arising from negligence or willful misconduct.

We provide our Platform, services, and content on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Platform or services will be uninterrupted, error-free, or secure.

Some jurisdictions may not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such cases, our liability will be limited to the maximum extent permitted by applicable law.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your Use of the Platform: Any misuse, unauthorized access, or violation of these Terms or applicable laws while using the Platform, including participation in Challenges.
• Violation of Third-Party Rights: Any claim made by a third party arising from your infringement of intellectual property, privacy, or other rights.
• Breach of Representations: Your breach of any representations, warranties, or obligations outlined in these Terms.
• Data or Content Provided: The inaccuracy or illegality of data, content, or materials you submit, post, or share through the Platform.
• Prohibited Conduct: Engaging in prohibited activities, as defined in Section 11, resulting in claims or damages.

We reserve the right to assume exclusive control over the defense and settlement of any matter subject to indemnification under this section. You agree to cooperate fully with us in asserting any available defenses and will not settle any claim without prior written consent from us.

In the event of a dispute arising out of or in connection with these Terms or the services provided by us, the parties agree to first attempt to resolve the dispute through good faith negotiation. Such negotiation shall take place within thirty (30) days from the date the dispute is raised by one party to the other. If the dispute cannot be resolved through negotiation, the parties agree to submit the matter to mediation administered by a mediator mutually agreed upon by the parties.

If the dispute is not resolved through mediation within sixty (60) days from its initiation, the dispute shall be referred to and finally resolved by arbitration under the Rules of Arbitration of the International Chamber of Commerce (ICC), which rules are deemed to be incorporated by reference into this clause. The arbitration tribunal shall consist of one arbitrator, appointed in accordance with the ICC rules. The seat of arbitration shall be Dubai, United Arab Emirates, and the language of arbitration shall be English.

These Terms shall be governed by and construed in accordance with the England and Wales laws.

To the fullest extent permitted by law, disputes shall be resolved on an individual basis, and neither party may bring a claim as a plaintiff or a class member in a class, collective, or representative action.

These Terms, along with the Privacy Policy and any additional agreements referenced herein, constitute the entire agreement between you and the Company with respect to your use of the Platform and Services. They supersede and replace any prior or contemporaneous agreements, communications, and understandings, whether oral or written, related to the subject matter.

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, such provision shall be deemed severed and the remaining provisions of these Terms shall remain valid and enforceable to the fullest extent permitted by law.

Failure or delay by us to exercise any right, remedy, or privilege under these Terms shall not constitute a waiver of that right or any other rights hereunder. Any waiver must be in writing and signed by an authorized representative of the Company.

You may not assign, transfer, or delegate your rights or obligations under these Terms without prior written consent from us. We may freely assign or transfer our rights and obligations under these Terms to any affiliate or successor entity as part of a merger, acquisition, reorganization, or sale of assets.

Except as expressly stated in these Terms, no provision shall be enforceable by any person or entity who is not a party to these Terms.

All notices, requests, or communications required or permitted to be given under these Terms must be sent via email to the official contact email listed on our website admin@hashhedge.com. Notices to users will be sent to the email address associated with their account.

These Terms are drafted in English and any translation is for convenience only. In the event of a conflict between the English version and any translation, the English version shall prevail.

Nothing in these Terms shall be construed as creating a joint venture, partnership, or agency relationship between you and us. Both parties agree that their relationship is strictly that of an independent contractor and customer.