Terms of Service

Last Updated: August 16, 2026

Welcome to Nippon Investment Ltd. (“Nippon,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, investment platform, and related services (collectively, the “Services”).

By registering for an account or using our Services, you acknowledge that you have read and agreed to these Terms. If you do not agree with these Terms, you should not use our Services.

1. Eligibility

You must be legally permitted to use investment services in your jurisdiction. By registering, you confirm that all information supplied to Nippon is accurate, complete, and up to date.

You are responsible for ensuring that your use of our Services complies with the laws and regulations applicable to you.

2. Account Registration

To use certain Services, you must create an account and provide accurate registration information.

You are responsible for:

• Maintaining accurate account information.

• Keeping your login credentials confidential.

• Protecting access to your account.

• Notifying us promptly of unauthorized account access.

• Ensuring that transactions conducted through your account are authorized by you.

We may suspend or restrict an account where information provided is inaccurate, fraudulent, or inconsistent with applicable requirements.

3. KYC and Identity Verification

Nippon may require customers to complete Know Your Customer (“KYC”) and other verification procedures before deposits, investments, withdrawals, or other Services can be completed.

Customers may be required to provide:

• Government-issued identification.

• Personal and residential information.

• Proof of address.

• Source-of-funds information.

• Additional documentation where reasonably required.

Verification requirements may vary according to the customer's jurisdiction, transaction activity, applicable laws, and compliance requirements.

Failure to complete required verification may result in restrictions on an account or transaction.

4. Investment Plans

The platform may make different investment plans available to eligible customers. The terms of a plan, including minimum and maximum investment amounts, applicable return calculations, duration, and other conditions, will be displayed through the platform or applicable agreement.

Current plan examples may include:

Important: Displayed returns are subject to the specific terms applicable to the relevant plan and should not be interpreted as a guarantee of profit or a guarantee that invested capital cannot be lost unless expressly stated in a legally binding agreement.

Investment involves risk, and customers should consider their financial circumstances and obtain independent professional advice where appropriate.

5. Deposits

Nippon does not charge a deposit fee for adding funds through the supported deposit methods, unless a separate fee is expressly disclosed before the transaction is completed.

Third-party payment providers, banks, card issuers, intermediary banks, or other financial institutions may impose their own fees. Such third-party charges are outside Nippon's control.

Customers are responsible for ensuring that the payment information supplied is accurate and that they are authorized to use the selected payment method.

6. Withdrawals

Customers may request withdrawals through the withdrawal functionality available in their account, subject to applicable account, verification, compliance, and transaction requirements.

A 2.5% withdrawal processing fee applies to withdrawals.

The applicable withdrawal fee will be calculated based on the withdrawal amount and should be reviewed before the withdrawal request is confirmed.

For example, a withdrawal request of RM10,000 would have a 2.5% withdrawal fee of RM250, resulting in RM9,750 before any additional third-party banking or payment-provider charges that may apply.

Withdrawal processing times may vary depending on verification procedures, banking institutions, payment providers, intermediary institutions, currency, destination, and other applicable processing requirements.

Nippon will not require customers to provide their external bank-account password, PIN, or one-time authentication codes.

7. Transaction Review and Compliance

Nippon may review deposits, investments, withdrawals, and other account activity for security, fraud prevention, KYC, anti-money-laundering, sanctions, and other compliance purposes.

Where legally permitted or required, a transaction may be delayed, rejected, or placed under review while additional information is obtained.

8. Prohibited Activities

Customers must not use the Services to:

• Conduct unlawful or fraudulent activities.

• Provide false or misleading information.

• Use another person's identity or financial information without authorization.

• Circumvent KYC or security procedures.

• Attempt unauthorized access to another account.

• Interfere with the operation or security of the platform.

• Upload malicious software or harmful content.

• Use the Services in violation of applicable laws or regulations.

9. Fees and Charges

The applicable fees are disclosed through the platform or relevant transaction interface.

Unless otherwise stated:

• Deposits: No Nippon deposit fee.

• Withdrawals: 2.5% withdrawal processing fee.

• Third-party charges: Banks, payment providers, or intermediary institutions may apply additional charges independently of Nippon.

We may amend applicable fees where permitted by law. Material changes will be communicated through appropriate channels where required.

10. Personal Information

Personal information is handled in accordance with our Privacy Policy.

We may collect and process information necessary to provide our Services, administer accounts, conduct KYC and compliance procedures, process transactions, prevent fraud, maintain security, and comply with legal obligations.

11. Security

We implement reasonable technical, organizational, and administrative measures intended to protect customer accounts and information.

Customers are responsible for maintaining the security of their login credentials and devices and should immediately notify us if they suspect unauthorized access.

No electronic system can be guaranteed to be completely secure.

12. Third-Party Services

Our platform may use third-party payment processors, banks, technology providers, identity-verification providers, hosting providers, or other service providers.

Third-party services may have their own terms, fees, privacy policies, and processing requirements. Nippon is not responsible for fees or policies imposed independently by third parties.

13. Intellectual Property

The Nippon website, platform, branding, logos, text, graphics, software, and other content are owned by or licensed to Nippon Investment Ltd., unless otherwise stated.

You may not reproduce, modify, distribute, or commercially exploit our intellectual property without appropriate authorization.

14. Service Availability

We aim to maintain reliable access to our Services but do not guarantee uninterrupted or error-free availability.

Access may occasionally be restricted because of maintenance, technical problems, security incidents, regulatory requirements, or circumstances beyond our reasonable control.

15. Account Suspension or Termination

We may suspend, restrict, or terminate an account where we reasonably believe that:

• These Terms have been violated.

• Applicable law or regulatory requirements have been breached.

• Fraudulent or unauthorized activity has occurred.

• Required KYC or compliance information has not been provided.

• Continued access presents a security or compliance risk.

Customers may request account closure subject to completion of applicable transactions, verification, compliance procedures, and legal obligations.

16. Risk Disclosure

Investment products carry risk. The value or performance of an investment may be affected by market conditions, investment strategy, liquidity, economic conditions, and other factors.

Nothing on the website should be interpreted as a promise that an investment will produce a particular profit or that losses are impossible.

Customers should invest only amounts they can reasonably afford to place at risk and should seek independent financial, legal, or tax advice where appropriate.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Nippon Investment Ltd., its affiliates, officers, employees, agents, and service providers shall not be liable for indirect, incidental, consequential, special, or punitive losses arising from use of the Services.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

18. Changes to These Terms

We may update these Terms from time to time to reflect changes to our Services, fees, investment products, business practices, or legal and regulatory requirements.

The updated version will be published with a revised “Last Updated” date. Continued use of the Services after an update may constitute acceptance of the revised Terms where permitted by applicable law.

19. Governing Law

These Terms shall be governed by the laws applicable to Nippon Investment Ltd. and its jurisdiction of establishment, subject to mandatory laws and consumer protections that apply to customers in their respective jurisdictions.

20. Contact Us

For questions regarding these Terms, investment plans, deposits, withdrawals, account verification, or applicable fees, customers may contact Nippon Investment Ltd. through the official contact channels provided on the website.