Agreement

Please carefully read this Agreement ("Terms and Conditions"), which sets forth the rights and obligations of both excel-funds.com (the "Company") and the registered user (the "Customer"), jointly referred to as the "Parties" and individually as the "Party", which may arise in the process of interaction between the Parties as the Customer uses the excel-funds.com online service to conduct financial transactions and/or as the Company provides consulting services to the Customer through the Company's website (the "Site" or "Website") https://excel-funds.com.

Disclaimer

• If the Customer has registered on the Site, he accepts and agrees to these Terms and Conditions.
• The Customer also agrees and acknowledges that he accepts the fact that he uses the Site at his own discretion, voluntarily and on his own initiative.
• The Company is not responsible for compliance with the applicable and/or possibly applicable local and national laws of the Customer's country of residence, as well as with international laws.
• Legal information contained in these Terms and Conditions is dominant and cannot be changed on the basis of applying local and national laws of the Customer's country of residence, as well as international laws.

General provisions

Any information that is posted, or may be posted on the Site in the future, does not constitute a commercial solicitation and/or offer. The Company does not sell services, information, knowledge, patents and/or technology. The Company does not provide opinions, expert opinions and forecasts on a paid basis. All the Company's services and products can be used and/or applied only in those countries where such services and products do not inherently violate local laws. Any information that is posted or may be posted on the Site in the future, may be amended, supplemented, corrected, modified and/or completely removed from the Site. Customer's participation in investment programs that are posted on the Site for public view may be restricted on the basis of physical location, age (the Customer must be at least 18 years old). The Site is intended for informational purposes only. The Customer participates in the Company's investment programs independently, relying solely on his/her experience and voluntary decisions.

The Company does not provide advice on the following issues:

• Tax issues;
• Financial issues;
• Matters relating to any activities on trading markets and/or exchanges;
• Issues on provision of opinions and advice on the benefits of using a particular investment method.

Any information presented on the Site should be perceived as up-to-date only at the time it was posted.
The Company does not guarantee that the information provided on the Site will be accurate, complete and absolutely true.
All content on the Site may be modified without prior notice.
We take every reasonable effort to provide each Customer with access to the Site. However, the Company reserves the right to periodically suspend operation of the Site at its sole discretion for the purpose of carrying out maintenance, updates and other necessary adjustments and technical work.
The Customer understands and agrees that he/she has been informed that the Site may be translated into other languages to improve user experience. The Company does not guarantee absolute accuracy of such translation. The language versions other than the original English one are provided solely for the convenience of using the Site. In the event of any ambiguities and/or discrepancies in any version of the Site translated into a language other than English, the English version of the Site shall prevail.

• Hyperlinks to third-party sites that may be posted on the Site belong to the owners of such third-party sites, and the Company is not responsible for the accuracy, authenticity, and quality of the content that the Customer may use while following such hyperlinks. This includes links posted in the "Training" section.
• The Company is not responsible for the accuracy, completeness, legality, performance and quality of products and services provided by third-party sites. This includes sites visited by the Customer by clicking a hyperlink posted on the Site.

Personal account provided to the Customer requires electronic identification, which consists of a username and password to access the personal account. The use of this electronic identification (authorization) is the legal equivalent of a directory signed by you personally and confirmation of the Customer's identity as an authorized user of the Site.
The Customer acknowledges and agrees that he/she is fully responsible for the safety of his/her electronic identification data and that the Company may not and should not under any circumstances ask the Customer for his/her account password.
If there are reasonable suspicions that the integrity of electronic identification data has been breached, the Customer is obliged to immediately notify the Company about this and independently change his/her account password.
The Company reserves the right to restrict the use of the Site and/or the Customer's personal account for any reason and without prior warning in cases where the Customer violates these Terms and Conditions.
The Customer uses the Site at his/her own discretion. The Company will not be liable for any damage or loss resulting from Customer's use of the Site, including direct, indirect, intentional and/or not unintentional, damages caused by a third party or consequential damage.
The excel-funds.com website makes absolutely no warranties.

Services

The Company's services are not insured and are not warranted.
Gaining access to information related to any Customer of the Company is for the sole purpose of maintaining contact with that Customer.
The Customer acknowledges and agrees that he/she has been notified that any interaction with the Company, including, but not limited to email correspondence, is strictly confidential and that any breach of confidentiality may result in denial of service.

Personal information

Customer's information collected by the Company, as well as information personally provided to the Company by the Customer, can only be used directly by the Company and its staff and only to the extent that it may be required and under no circumstances will it get into third-party databases used for spam mailings. The Company reserves the right to use the information provided by the Customer for sending newsletters, notifications, update letters, and other relevant materials to the Customer.
Our Privacy Policy is consistent and aims at keeping Customer data as secure as possible. However, it should be considered that the Internet is not a completely secure communication medium. For this reason, we cannot guarantee the confidentiality of any information provided to us by the Customer. The Company will not be liable for any damage/loss that the Customer may suffer as a result of breach of confidentiality if the information in question was sent over an untrusted Internet connection or with the help of internet information providers untrusted and/or unauthorized by the Company.

Cookies

As with most interactive websites, the Company's Website uses cookies to enable us obtain user information each time a user visits the Website.
Cookies are used in certain areas of the Website to provide functionality and usability for those who visit the Website.
Some of our affiliated partners may also use cookies.

Copyright

The content of the Site is protected by copyright. Except for cases that will have to be agreed separately, the Customer may copy information for his/her own non-commercial personal use, but may not repost or reproduce any part of the Site content without the Company's prior permission.
Reposting and reproducing include any uploads or access to the information on the Site via the Internet.
The Customer is obliged to acknowledge the source (original source) whenever the materials on the Site are copied or posted.
If the Customer needs additional information about the uses to which the information on the Site may be put, or if you want to obtain a license to reproduce or repost any materials from the Site, please send the request by e-mail to admin@excel-funds.com

Any infringement of the Company's copyright will result in the Company taking appropriate actions to protect its rights. The Company will not be liable in any way for the consequences that may arise as a result of any unauthorized reproduction or use of information on the Site.

Dispute resolution

The Parties have agreed that any dispute or unilateral opinion that is contrary to the other Party's opinion with respect to the Terms and Conditions will be resolved only through internal negotiation processes until the dispute is fully resolved.

Miscellaneous

• The Company shall refuse to provide services if the Customer uses technologies that publicly defame the honour and dignity of the Company and its customers, takes deliberate actions aimed at causing damage to the Company's property and its official Website, and deliberately or unintentionally disseminates information that could damage the reputation of the Company and its Customers.
• The Company shall refuse to provide services if the Customer uses spam technologies in any form, malware, viruses and other unwanted software, as well as uses content and/or other materials that constitute the Company's exclusive intellectual property for commercial purposes.
• The Company shall refuse to provide services if the Customer fails to provide his/her personal data, or provides incomplete personal data, or provides personal data in a distorted form, or provides misleading information.
• The Customer may create several accounts using the same IP address and/or the same device.

1. Investing. Payouts. Features of use and the BillGain option.

1.1 An investment created by the Customer and whose maturity period has not elapsed is an active investment.
The nominal value (principal amount) of such active investment cannot be withdrawn by the Customer or affiliated persons until the maturity period elapses.
1.2 The Customer agrees that one or more investment plans may be temporarily closed for investment. This is because at that moment, the number of deposits under such investment plans has reached a sufficient level, and our finance department is processing the current volume of invested funds. The investment plan becomes available for investment again in two cases – as soon as our finance department processes the current amount of invested funds, or as soon as the next neural module is put into operation, increasing the investment plan's capacity.
1.3 The Customer acknowledges and agrees with the fact that when creating a deposit, all funds deposited to the Company's account using the site https://excel-funds.com or in any other way, should be considered as a voluntary gratuitous and irrevocable donation to the company. All funds paid into the Company's account instantly become the Company's property, and the Company shall have the right to dispose of them at its discretion, including the full right to refuse the Customer any further payouts at any time, at its own will, and without explanation.
1.4 The Customer agrees that all information on the site is presented solely for art purposes (as art decoration of the website, and can only be considered as part of art decoration of the excel-funds.com website) and should in no way be taken as a guide or call for any action in including investment action.
1.5 Payouts and earnings are stated in the currency of the electronic payment system that was used by the Customer to make a deposit.
1.6 Referral reward can be paid only in the currency of the electronic payment system that was used by the referral to make a deposit.
1.7 Each investor in the Company may create any number of accounts using the same IP address or the same device.
1.8 The Customer acknowledges and agrees that once an active deposit has been created, the investment plan cannot be changed.
1.9 The Customer acknowledges his awareness that for those investment offers that contain a 100% BillGain option, he/she can withdraw both his/her earnings and the principal amount only at the end of the investment maturity period.
1.10 The Customer acknowledges that he/she understands the meaning of the following:
Before creating any investment, the Customer is obliged to personally and independently familiarize himself/herself with the investment offers and understand all his/her obligations arising from them. By creating an investment, the Customer acknowledges that all the circumstances of the investment process are clear to him/her.
1.11 The BillGain option is an integral part of some of the Company's investment offers and is a function of reinvesting earnings by successively summing them up with the initial principal amount.

2. Affiliate Program, Representatives

2.1 Each Customer and investor of the Company may take advantage of all the benefits of both the Affiliate Program and the Representative Program.
2.2 The Terms of the Affiliate and/or Representative program can be changed by the Company without notice.
2.3 The investor can use the funds in his/her account balance for investment.
2.4 Referral rewards are generated automatically once the Customer’s referrals make deposit with the Company.
2.5 Any Customer can become a Representative by sending in a request for such status.

3. Changes to the Terms and Conditions

3.1 The Company reserves the right to change these Terms and Conditions at any time.
The Customer should periodically visit this section for updates and changes.
3.2 By continuing to use the Site after updates and/or changes to the Terms and Conditions, the Customer agrees to accept them, even if the Customer has not been made aware of these changes and/or updates. If at any time the Customer decides not to comply with the Terms and Conditions, he must immediately stop using the Site.
3.3 The Customer's continued use of his/her personal account and this Website expressly indicates that he/she understands, consents to and has accepted the Disclaimer and this Agreement in full.