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Last Updated: April 2026

1. General Provisions

1.1. These Terms of Service (hereinafter — "Terms") govern the relationship between Merivo Fund (hereinafter — "Fund", "we", "us", "our"), incorporated in the British Virgin Islands as a BVI Incubator Fund, and any individual or legal entity (hereinafter — "Investor", "User", "you", "your") accessing the Merivo Fund platform located at merivo.fund (hereinafter — "Platform").

1.2. By accessing the Platform, registering an account, or making an investment, you confirm that you have read these Terms, understand their provisions, and unconditionally accept them in their entirety.

1.3. If you do not agree with any provision of these Terms, you must immediately cease using the Platform.

1.4. The Fund reserves the right to unilaterally amend these Terms. Continued use of the Platform following the publication of any amendments constitutes your acceptance of the updated version.

2. Definitions

  • "Platform" means the Fund's website and digital infrastructure accessible at merivo.fund, together with all associated services and tools.
  • "Investment" means the transfer of stablecoins (USDT or USDC) by an Investor to the Fund pursuant to one of the approved Investment Strategies.
  • "Investment Strategy" means a specific Fund product defining the minimum investment amount, term, and target return.
  • "ERC20 Wallet" means a cryptographic wallet compatible with the ERC20 standard of the Ethereum network or any compatible network, used to make payments to the Fund.
  • "KYC/AML" means the know-your-customer and anti-money-laundering procedures prescribed by applicable law and the Fund's internal policies.
  • "Target Return" means the expected return level for an Investment Strategy, which does not constitute a guarantee of profit.

3. Access to the Platform

3.1. The Platform is available exclusively to persons who are at least 18 years of age (or the age of legal majority in their applicable jurisdiction) and is not intended for use in jurisdictions where the Fund's activities or participation therein are prohibited or restricted by applicable law.

3.2. To obtain access to the Platform, the User must complete the registration process and provide accurate personal information. The Fund reserves the right, in its sole discretion, to approve or reject any registration application without providing reasons.

3.3. The Fund may restrict or prohibit access to the Platform for residents or nationals of certain jurisdictions, including without limitation: the United States of America, North Korea, Iran, and any other countries subject to international or national sanctions.

3.4. The User bears full responsibility for compliance with the laws of their country of residence and/or citizenship when using the Platform.

4. KYC/AML Procedures and Application Approval

4.1. Prior to making any Investment, each User must complete the identity verification (KYC) procedure as required by BVI law and the Fund's internal policies. As part of KYC, the User must provide:

  • a valid government-issued identity document (passport or national ID);
  • proof of residential address;
  • any other information the Fund may request for due diligence purposes.

4.2. The Fund reserves the right to approve or reject any application to participate in the Fund at any stage, including after successful KYC completion, without providing reasons and without incurring any obligation to the User.

4.3. In the event an application is rejected prior to an Investment being made, the Fund will return any digital assets transferred by the User (net of network fees) within 10 business days.

4.4. The User must promptly notify the Fund of any changes to the information provided. Providing knowingly false information constitutes grounds for immediate termination of Platform access and the contractual relationship.

5. Investment Strategies and Investment Terms

5.1. The Fund offers the following Investment Strategies:

| Strategy | Minimum Investment | Term | Target Return | |----------|--------------------|------|---------------| | Start | from 10,000 USDT | 6 months | 10% | | Classic | from 25,000 USDT | 12 months | 12% | | Prime | from 50,000 USDT | 24 months | 16% | | Elite | from 100,000 USDT | 36 months | 18% |

5.2. Past performance does not guarantee future returns. The target return stated for each Strategy represents a directional indicator based on historical data and backtesting of the Fund's algorithmic strategies. The Fund makes no guarantee that stated target returns will be achieved. Investments involve the risk of partial or total loss of invested capital.

5.3. All Investments are made in stablecoins (USDT or USDC) by transferring funds to the Fund's ERC20 wallet. Transfer details are provided to the User following approval of their application.

5.4. An Investment is deemed accepted by the Fund upon receipt of the digital assets in the Fund's wallet and confirmation of the transaction on the network (no fewer than 12 blockchain confirmations).

5.5. An Investor may participate in multiple Strategies simultaneously, provided the minimum investment threshold for each is met.

5.6. Upon expiry of the Strategy term, the Fund will return the principal Investment amount together with any accrued return (if any) within 10 business days of the expiry date.

6. Payments and ERC20 Wallets

6.1. All payments to the Fund are made exclusively in digital assets compatible with the ERC20 standard. The Fund does not accept payments in fiat currencies.

6.2. The User bears sole responsibility for the accuracy of the ERC20 wallet address specified when making transfers. The Fund accepts no liability for funds lost as a result of the User providing incorrect transfer details.

6.3. Network fees (gas fees) associated with transactions are borne by the User.

6.4. The Fund may change the ERC20 wallet address for receiving funds upon no less than 48 hours' prior notice to Users.

6.5. The Fund may suspend acceptance of Investments at any time for technical or operational reasons.

7. Early Withdrawal

7.1. An Investor may request early withdrawal of invested funds (hereinafter — "Early Withdrawal") by submitting written notice to [email protected] no less than 30 (thirty) calendar days prior to the intended withdrawal date.

7.2. Early Withdrawal is subject to the Fund's sole discretion. The Fund may decline an Early Withdrawal request or postpone the payment date based on the current state of the portfolio and the Fund's operational capacity.

7.3. Upon approval of an Early Withdrawal, the Fund may deduct an early withdrawal fee (hereinafter — "Fee") as follows:

  • withdrawal within the first 25% of the Strategy term — fee of up to 10% of the invested amount;
  • withdrawal during 26–50% of the term — fee of up to 7% of the invested amount;
  • withdrawal during 51–75% of the term — fee of up to 4% of the invested amount;
  • withdrawal after 75% of the term — fee of up to 2% of the invested amount.

7.4. In the event of Early Withdrawal, accrued but unpaid returns may be reduced on a pro-rata basis in proportion to the actual period the funds were under the Fund's management.

7.5. Payment upon Early Withdrawal is made within 30 business days from the date of approval of the request.

8. User Obligations

8.1. The User undertakes to:

  • provide only accurate and up-to-date information during registration and in the course of using the Platform;
  • not use the Platform for money laundering, terrorist financing, tax evasion, or any other unlawful activity;
  • not attempt to gain unauthorized access to the Platform, the Fund's servers, or the accounts of other Users;
  • not distribute malware or take any other action capable of causing damage to the Platform or its Users;
  • comply with all applicable laws of their jurisdiction;
  • promptly notify the Fund of any actual or suspected unauthorized access to their account.

8.2. The User bears sole responsibility for the security of their account credentials. The Fund bears no liability for losses incurred as a result of unauthorized use of a User's account.

9. Suspension and Termination of Access

9.1. The Fund may unilaterally suspend or terminate a User's access to the Platform in the following circumstances:

  • the User's breach of any provision of these Terms;
  • the provision of false or misleading information during registration or KYC;
  • suspicion of fraudulent activity, money laundering, or other unlawful conduct;
  • receipt of a directive from a competent governmental authority or regulator;
  • any other circumstance in which continued User access may cause harm to the Fund, other Users, or third parties.

9.2. Where access is terminated on grounds related to the User's breach of applicable law or these Terms, the Fund may freeze the User's funds pending receipt of appropriate authorisation from a competent authority.

9.3. Where access is terminated on other grounds (not related to User breach), the Fund will return the User's funds, net of applicable fees, within 30 business days.

10. Limitation of Liability

10.1. The Fund shall not be liable for losses arising from:

  • volatility in digital asset or financial markets;
  • malfunctions in algorithmic trading systems;
  • force majeure events (including natural disasters, acts of war, cyberattacks, regulatory actions);
  • errors made by the User in conducting transactions;
  • unauthorized access to a User's account that did not result from the Fund's fault.

10.2. The Fund's total aggregate liability to any User under any circumstances shall not exceed the actual amount of Investment made by that User and held under management by the Fund at the date of the event giving rise to liability.

10.3. The Fund shall not be liable for any indirect, incidental, special, punitive damages, or loss of profit.

11. Privacy

11.1. The processing of Users' personal data is governed by the Fund's Privacy Policy, published on the Platform at merivo.fund/privacy-policy, which forms an integral part of these Terms.

12. Intellectual Property

12.1. All materials published on the Platform, including trademarks, logos, texts, software, algorithms, and other intellectual property, belong to the Fund or are lawfully licensed to it.

12.2. The User is granted a limited, revocable, non-exclusive right to use the Platform solely for the purposes provided for in these Terms.

12.3. Any other use of Platform materials without the Fund's written consent is prohibited.

13. Governing Law and Dispute Resolution

13.1. These Terms are governed by the laws of the British Virgin Islands.

13.2. All disputes, disagreements, and claims arising out of or in connection with these Terms shall first be subject to good-faith negotiations. If the dispute cannot be resolved within 30 days of its arising, it shall be referred to arbitration in accordance with the Arbitration Rules of the British Virgin Islands, with the seat of arbitration in the BVI.

13.3. The parties waive any right to participate in class action proceedings.

14. Contact Information

For all inquiries related to these Terms, please contact:

Merivo Fund Email: [email protected] Website: merivo.fund

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