Terms & Conditions

1. DEFINITIONS

"Havvest" means Havvest Finance Global Limited; "Client" means any person or persons, including an individual or a corporate body for whom an account is opened with Havvest individually or jointly with any other person.

2. JOINT ACCOUNTS

Where an account is held in the name of two or more persons and there is more than one signatory required, their obligations under this agreement shall be joint and several.

3. SIGNATURES

Signatures are compared against specimens provided to Havvest by the Client and further examination or investigation will not be carried out by Havvest. Havvest assumes no liability, in the absence of gross negligence, for failing to notice falsifications. The Client is required to furnish Havvest with a list of persons authorized to sign on its/his/her behalf, together with specimens of their signatures, and to inform Havvest in writing of any change in that list or in those signatures. Until it receives notice of any change, Havvest will treat previously authorized signatures as valid and subsisting.

4. STATEMENTS OF ACCOUNTS

A statement of account will be issued at the end of each month subject to the peculiar features of each product for which the Client has subscribed. A full report detailing the performance of the Client's investments will be issued yearly.

5. PAYMENT OF INDEBTEDNESS AND COSTS OF RECOVERY

The Client shall at all times be liable for the payment of any indebtedness or other obligations owing in the Client's account, including in the event of a total or partial liquidation. The costs of collection of any indebtedness owing from the account of a Client including any legal costs shall, to the extent permitted by the applicable laws and regulations, be borne by the Client.

6. SET OFF

The Client agrees that Havvest may combine or consolidate all or any of the existing account in the Client's name or the name (s) of the Client's spouse, children, relations or related companies and set off, appropriate or transfer the money value of the securities or assets in such account (s) towards the settlement of any liabilities in the Client's account.

7. PAYMENT

Cheques and payments should be made in favor of Havvest alone and not in favor of an agent/representative. Havvest's agents/representatives are not authorized to receive cash from the client.