Terms of Service

1.1 These Terms of Service ("Terms") are the agreement between you and NAMH Global Ltd ("NAMH", "we", "us", "our"), a company registered in Saint Lucia (No. 2024-00372). NAMH Global Ltd is the company that holds your Account, holds client funds and executes your trades. It is not licensed by a securities regulator.

1.2 NAMH Global Ltd does not provide services to residents of the Restricted Jurisdictions listed in Section 12. They include the United Arab Emirates.

1.3 You accept these Terms when you accept them at sign-up, open an Account, deposit money or place a trade, whichever happens first. If you do not agree with these Terms, do not use our services.

1.4 The client agreement. The agreement between you and us is made up of these Terms and the following documents, which form part of them:

• (a) our Risk Warning;
• (b) our AML and KYC Policy;
• (c) our Deposit and Withdrawal Policy; and
• (d) our Restricted Countries Policy.

If one of those documents conflicts with these Terms, these Terms apply. Our Privacy Policy and Cookie Policy explain how we handle personal data. They are notices, not part of this agreement.

1.5 Defined terms. These words have the same meaning in these Terms and in every document listed in clause 1.4, and in our Privacy Policy and Cookie Policy:

• "Account" means a trading account you hold with us, together with the Wallet linked to it.
• "Account Type" means the ECN, Pro, Standard or Cent account.
• "Business Day" means Monday to Friday, except public holidays in Saint Lucia.
• "CFD" means a contract for difference.
• "Client" or "you" means a person who applies for or holds an Account.
• "Client Portal" means the online area at member.namhglobal.com where you manage your profile, Wallet, deposits and withdrawals.
• "Funding page" means www.namhglobal.com/funding.
• "MT5" means the MetaTrader 5 trading platform on desktop, web and mobile.
• "Restricted Jurisdiction" means a country listed in clause 12.1.
• "Retail Client" means any Client we have not agreed, in writing, to treat as a professional client.
• "Verified Payment Method" means a card, bank account, e-wallet or crypto address that is in your name or under your control and that we have checked and accepted for your Account.
• "Wallet" means the balance in the Client Portal that deposits are credited to, and that you move money from and to your MT5 accounts.
• "Website" means www.namhglobal.com.

1.6 When this version applies. This version applies from 28 October 2026 to Accounts opened on or after that date. For Accounts opened before that date, a change in this version that is in your favour applies from 28 October 2026, and any other change applies 14 days after we email you about it, as Section 13 describes. Until then, the previous version continues to apply on that point.

2.1 You may hold an Account only if all of the following are true:

• (a) you are at least 18 years old, or the age of majority where you live if that is higher;
• (b) you have the legal capacity to enter into this agreement;
• (c) you are not resident in a Restricted Jurisdiction, and you are not named on a sanctions list we screen against;
• (d) you are opening the Account for yourself, not for someone else, unless we have agreed otherwise in writing;
• (e) you have read our Risk Warning and you are satisfied that leveraged trading suits your circumstances.

2.2 Identity verification. You can create a login before your identity is verified. We must verify your identity (KYC) before we credit your first deposit and before we pay any withdrawal. Our AML and KYC Policy explains the checks.

2.3 You must give us true, complete and current information, and tell us promptly if it changes, including if you move to another country.

2.4 We may refuse an application without giving a reason. We may ask you for more documents at any time to meet our anti-money-laundering and counter-terrorist-financing obligations.

2.5 If we find that an Account was opened with false information, we may close it, and we may hold the funds in it while we investigate, as Section 7 describes.

3.1 We provide online trading services to Retail Clients, including:

• (a) over-the-counter CFDs on forex, commodities, indices, cryptocurrencies and shares;
• (b) access to MT5 on desktop, web and mobile;
• (c) partner programmes (Introducing Broker and affiliate), each under its own agreement;
• (d) educational material, market commentary and trading tools, for information only.

3.2 Account Types. We offer ECN, Pro, Standard and Cent accounts. The minimum deposit, spreads, commission and maximum leverage of each Account Type are published on the Website.

3.3 Execution only. We do not give investment advice, recommendations or personal financial planning. Market commentary and educational material are general information. They do not take your circumstances into account. You make every trading decision yourself.

Nature of CFDs

3.4 A CFD is a contract between you and us. Its value follows the price of an underlying market. You do not own the underlying asset. CFDs use leverage, which makes losses larger as well as gains. Read our Risk Warning before you trade.

3.5 We are the other party to your trades. We are the counterparty to every CFD you open with us. We may keep the market risk of your trade or offset it with another firm. Our interests can therefore differ from yours.

3.6 Introducing Brokers and affiliates. If an Introducing Broker or affiliate referred you to us, they act for themselves, not for us, and they cannot make promises on our behalf. We may pay them a fee or rebate linked to your Account or your trading.

4.1 Each trade is executed on the conditions published on the Website and in MT5 at the time of execution, including:

• Spreads: variable. The figures we publish are the lowest spreads we quote. Spreads widen around major news, when markets are thin and at the daily rollover.
• Commission: on the ECN account only (Section 8).
• Leverage: on major forex pairs, up to 1:500 on ECN, Pro and Standard accounts, and up to 1:1000 on Cent accounts. Other instruments have a lower maximum. The maximum leverage and the margin needed for each instrument are in its MT5 symbol specification.
• Swap: positions held past the daily rollover pay or earn swap. The swap rate for each instrument, and the day on which three days' swap is charged to cover the weekend, are in its MT5 symbol specification.
• Trading hours: as shown in each instrument's MT5 symbol specification.

4.2 Changes to leverage. We may lower the maximum leverage on an Account or an instrument, for example before a weekend, a public holiday or a major economic event, or when market conditions require it. Where we reasonably can, we will tell you in advance. Lower leverage means more margin is needed, including for positions that are already open.

4.3 Margin call and stop-out. When you open a position, part of your balance is held as margin. We set a margin-call level and a stop-out level for each Account Type. Your margin level is your equity divided by your used margin, times 100. If it falls to the margin-call level, MT5 shows a margin-call warning. If it falls to the stop-out level, open positions are closed automatically, usually starting with the position with the largest loss, until the margin level is back above the stop-out level. In a fast market a position can close at a worse price than expected. Support will tell you the current levels for your Account Type at any time. We will email you before we change them, unless sudden market conditions make that impossible. You are responsible for watching your margin; we do not have to contact you before a stop-out.

4.4 Slippage. In fast or thin markets an order can be filled at a price different from the price you requested, or from the price of your stop-loss or take-profit. We cannot promise to fill any order at a specific price, especially around news, at the market open and when liquidity is low.

5.1 Client deposits are held by NAMH Global Ltd and handled through our banking and payment partners. NAMH Global Ltd is registered in Saint Lucia. It is not licensed by a securities regulator and is not subject to a regulator's client-money rules. This means:

• (a) your deposits, trades and withdrawals are recorded against your own Account;
• (b) if NAMH Global Ltd became insolvent, Saint Lucia insolvency law would decide how client funds are treated;
• (c) no investor compensation scheme applies.

5.2 Negative balance protection applies to every Account held by a Retail Client. If a price gap or a fast market takes the balance of that Account below zero, we reset it to zero and you do not owe us the difference. You can still lose all of the money in your Account.

6.1 You can deposit and withdraw by card, bank wire, crypto or e-wallet, using the methods shown on the Funding page and in the Client Portal for your country. We do not charge deposit or withdrawal fees. Your bank, card issuer, wallet provider or the crypto network may charge its own fees. A currency conversion fee may apply (Section 8). We do not accept cash. Our Deposit and Withdrawal Policy sets out the full rules.

Source of funds

6.2 Money you deposit must come from a payment method in your own name. We do not accept payments from third parties, and we return them to where they came from.

Withdrawals

6.3 You can ask for a withdrawal at any time through the Client Portal, including straight after a deposit. We review withdrawal requests on Business Days. How long the money then takes to arrive depends on the method; the usual times are on the Funding page.

6.4 Where withdrawals are paid. To meet anti-money-laundering rules, money goes back the way it came in. Card deposits are returned to the same card, up to the amount deposited. Profits, and any amount above what can be returned to the card, can be paid by bank wire to a bank account in your name or to a crypto address we have verified as yours. Clause 4.3 of our Deposit and Withdrawal Policy explains how bank wire, crypto and e-wallet deposits are returned. If the original method can no longer be used, we will ask you for another method in your name and may ask for documents to verify it.

6.5 We may delay or decline a withdrawal while identity or payment checks are outstanding, if the withdrawal would leave too little margin for your open positions, while we investigate suspected prohibited activity (Section 7), or if the law or a competent authority requires it. We will tell you why, unless the law prevents us.

6.6 Chargebacks. Please contact us before you dispute a payment with your bank or card issuer. If a deposit is reversed, we may close positions opened with that money and recover any resulting loss from your Account balance.

7.1 You must not:

• (a) give us false or misleading information;
• (b) abuse the market, including trading on prices you know to be stale or wrong, exploiting latency or system errors, or manipulating prices;
• (c) use your Account for money laundering, terrorist financing or any other illegal purpose;
• (d) act with others to create artificial volume or to extract bonus money;
• (e) open several Accounts to get around a limit or restriction on one Account;
• (f) share your login details, or let anyone else trade your Account without our written agreement;
• (g) try to access another Client's Account or our systems without permission;
• (h) use our services from a Restricted Jurisdiction, or for anyone resident in one.

7.3 We will act in proportion to what we find. We will tell you what we have done and why, unless the law prevents us. Funds that are not connected with the prohibited activity will be returned to you.

8.1 Our fees are published on the Website and in the MT5 symbol specifications. They are:

• Spreads: variable, from 0.0 pips on ECN, 0.7 pips on Pro and 1.2 pips on Standard and Cent, on EUR/USD. These are the lowest spreads we quote.
• Commission: on the ECN account only, $5 per standard lot, round turn ($2.50 when the position opens and $2.50 when it closes). Pro, Standard and Cent accounts pay no commission.
• Swap: as shown in each instrument's MT5 symbol specification.
• Dormancy fee: $10 a month on an Account with no trade for 12 months in a row (clause 8.3).
• Currency conversion: if you deposit in a currency other than your Account currency, we convert it at the mid-market rate plus a fee of about 0.5% of the amount converted.

8.2 We do not charge deposit or withdrawal fees.

8.3 Dormancy fee. If no trade is placed on your Account for 12 months in a row, the Account is marked dormant and the dormancy fee applies. We will email you before we charge the first dormancy fee. The fee is taken only from money in the Account. It never takes the balance below zero, and it stops when the balance reaches zero or as soon as you trade again. You do not need to apply again to use the Account.

8.4 We may change our fees by giving you at least 30 days' notice by email. You may close your Account free of charge before the change takes effect.

9.1 To the fullest extent the law allows, we are not liable for indirect or consequential loss arising from your use of our services, including loss of profit, loss of data or business interruption.

9.2 We are not liable for losses caused by market movements, by your own trading decisions, or by events outside our reasonable control (Section 16).

9.3 Our total liability to you for any claim is limited to the total fees and commissions you paid us in the 12 months before the event that led to the claim.

9.4 Nothing in these Terms limits:

• (a) our obligation to pay you the balance of your Account;
• (b) our liability for fraud, gross negligence or wilful misconduct;
• (c) any liability that cannot be limited by law.

10.1 You may close your Account at any time by asking through the Client Portal or by emailing support@namhglobal.com.

10.2 We may close your Account for any reason by giving you reasonable notice by email. During the notice period you can close your positions and withdraw your money yourself.

10.3 We may suspend or close your Account immediately, without notice, where:

• (a) the law or a competent authority requires it;
• (b) you have materially breached these Terms;
• (c) your Account shows signs of abuse, fraud or illegal activity;
• (d) you have become resident in a Restricted Jurisdiction and did not tell us (clause 12.5).

10.4 When an Account closes, any positions still open are closed at the market price at that time. We return the remaining balance, less any fees or commission you owe under these Terms, to a Verified Payment Method under clause 6.4. Funds held under Section 7 are dealt with as Section 7 describes.

10.5 We keep records of your Account for at least 5 years after it is closed, or longer where the law requires. Our Privacy Policy explains how we handle them.

11.1 These Terms are governed by the laws of Saint Lucia.

11.2 Complaints. If you are unhappy with our service, email support@namhglobal.com with "Complaint" in the subject line. Tell us your Account number, what happened and what you would like us to do. We will acknowledge your complaint within 2 Business Days and send you a written response within 10 Business Days. If we need more time, we will tell you why and when to expect our answer.

11.3 Disputes. If a dispute arising from these Terms or your use of our services is not resolved through our complaints procedure within 30 days, it shall be submitted to arbitration in Saint Lucia under the rules of the Eastern Caribbean Supreme Court, with English as the language of the arbitration. The arbitrator's decision is final and binding.

12.1 NAMH Global Ltd does not provide services to residents of:

• United States
• United Arab Emirates
• India
• Iran
• Cuba
• Iraq
• Myanmar
• North Korea
• Sudan

12.2 We also do not provide services to any person or entity named on a sanctions list we screen against, or owned or controlled by such a person.

12.3 We may add jurisdictions to this list because of sanctions or changes in law. We will update the list here and in our Restricted Countries Policy and, if the change affects you, tell you by email.

12.4 You are responsible for making sure that using our services is lawful where you live.

12.5 If you become resident in a Restricted Jurisdiction, you must tell us without delay. We will then stop accepting deposits and new positions, tell you in writing the date by which you should close your positions and withdraw your balance, and close your Account as clause 6 of our Restricted Countries Policy describes. If you do not tell us, we may suspend your Account at once under clause 10.3(d).

13.1 We may change these Terms by publishing a new version on the Website, with its version number and effective date.

13.2 For a change that is not in your favour, we will email you at least 14 days before it takes effect, unless the law requires the change sooner. You may close your Account free of charge before the change takes effect. If you keep using our services after that date, the new version applies to you.

13.3 A change that is in your favour, or that corrects wording without changing anyone's rights, may take effect when we publish it.

13.4 We keep every previous version. You can ask for a copy at support@namhglobal.com.

14.1 The content of the Website, the Client Portal and our other materials, including text, graphics, logos and software, belongs to us or our licensors. You may use it for your own trading and information. You may not copy, publish or distribute it, or create works based on it, without our written permission.

14.2 MT5 is provided under the licence terms of its developer, which you accept when you install or use it.

15.1 You agree to compensate us, and our directors, officers and employees, for losses, liabilities and reasonable costs caused by your breach of these Terms or of the law, or by a third-party claim arising from your use of our services in breach of these Terms.

15.2 Clause 15.1 does not apply to the extent the loss was caused by our own breach of these Terms, negligence or misconduct.

16.1 We are not responsible for a failure or delay caused by an event outside our reasonable control, such as the failure of an exchange, a price source, a bank, a payment provider or MT5, a power or internet failure, a cyber-attack, war, a natural disaster or an act of a government.

16.2 While such an event lasts, we may take reasonable steps to limit harm to you and to us, such as pausing trading in an instrument or raising margin requirements. We will tell you as soon as we reasonably can.

16.3 If you cannot reach MT5, contact Support (Section 17).

17.1 We communicate with you in English, by email to the address in your profile, through the Client Portal and in MT5. An email we send you is treated as received on the day we send it, unless we learn that it was not delivered.

17.2 Support is available 24 hours a day, 7 days a week, by email at support@namhglobal.com and by phone or WhatsApp on +1-758-461-4088.

17.3 Keep your email address up to date in the Client Portal and check it regularly.

18.1 Whole agreement. These Terms, together with the documents listed in clause 1.4, are the whole agreement between you and us about our services.

18.2 Official text and translations. This web page is the official text of these Terms. We also publish it as a PDF; if the PDF and this page differ, this page applies. If we provide a translation, the English text prevails.

18.3 Severability. If a court or an arbitrator decides that any part of these Terms cannot be enforced, the rest still applies.

18.4 No waiver. If we do not enforce a right straight away, we can still enforce it later.

18.5 Transfer. You may not transfer your rights or obligations under these Terms to anyone else without our written agreement.