Terms of Service

1. Agreement to Terms

By accessing or using the services provided by Virex Wealth Management ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our services under applicable laws
• Complete our Know Your Customer (KYC) verification process
• Provide accurate and complete information

3. Account Registration

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

4. Investment Services

4.1 Nature of Services

Virex Wealth Management provides wealth management and investment advisory services. Our services include:

• Investment portfolio management
• Financial planning and advisory
• Asset allocation strategies
• Risk assessment and management

4.2 Investment Risks

You acknowledge and understand that:

• All investments carry risk, including potential loss of principal
• Past performance is not indicative of future results
• Investment values may fluctuate due to market conditions
• We do not guarantee any specific investment returns
• You should carefully consider your investment objectives and risk tolerance

5. Fees and Payments

By using our services, you agree to pay all applicable fees as disclosed in our fee schedule:

• Account Setup Fee: One-time fee for account establishment
• Management Fee: Annual fee based on assets under management
• Performance Fee: Fee based on investment performance (if applicable)
• Transaction Fees: Fees for specific transactions

All fees are subject to change with prior notice.

6. Deposits and Withdrawals

• Deposits must be made from accounts in your name
• Withdrawal requests are processed within 5-10 business days
• We reserve the right to verify your identity before processing withdrawals
• Minimum deposit and withdrawal amounts may apply

7. Prohibited Activities

You agree not to:

• Use our services for any illegal purpose
• Engage in money laundering or terrorist financing
• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our services
• Use automated systems to access our services without permission
• Violate any applicable laws or regulations

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Virex Wealth Management and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written consent.

9. Confidentiality

We maintain strict confidentiality regarding your personal and financial information. We will not disclose your information to third parties except as required by law or as necessary to provide our services.

10. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the fees paid by you in the preceding 12 months
• We are not responsible for losses due to market conditions or events beyond our control

11. Indemnification

You agree to indemnify and hold harmless Virex Wealth Management, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Termination

We may terminate or suspend your account at any time for:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Failure to complete KYC verification
• Non-payment of fees
• Any other reason at our discretion

You may close your account at any time by contacting us, subject to settlement of any outstanding obligations.

13. Dispute Resolution

Any disputes arising from these Terms shall be resolved through:

• Good faith negotiation between the parties
• Mediation, if negotiation fails
• Binding arbitration in accordance with applicable rules

These Terms shall be governed by the laws of Australia.

14. Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes via email or through our website. Continued use of our services after such modifications constitutes acceptance of the updated Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

For questions about these Terms, please contact us:

• Email: info@virexgroup.com
• Address: 100 Capital Circuit, Barton ACT 2600