User Agreement
This agreement applies to the deposit and interest-bearing products provided by Yubit, including but not limited to current and fixed-term financial products. Once you participate in the use of this product, it means that you have fully read, understood, and fully accepted all the terms of this agreement.
- Account eligibility and participation conditions
Participation permission: Users can participate in financial management with their Yubit account.
Account type: Only the main account and regular account are supported to purchase financial products, and other specific types of accounts are not currently supported.
Status restrictions:
Disabled accounts cannot apply for new products.
If the account is disabled during the holding period of wealth management, it will not affect the redemption of existing products (because the withdrawal/transfer function has been restricted, the funds will be returned to the original account).
Accounts that have been applied for cancellation or have been cancelled cannot undergo any financial operations.
Disable processing: After the account is disabled, the regular product will be automatically redeemed when it expires; the funds of the current product will be retained in the wealth management account until the user unlocks it and handles it independently.
Platform Permissions: Yubit has the right to set purchase limits for different accounts based on platform rules and reserves the right to restrict customer engagement in specific regions based on compliance or risk management policies.
Legal Regulation: This platform is subject to the laws of Saint Vincent and the Grenadines . Yubit reserves the right to adjust this agreement in accordance with regulatory requirements.
- Definition of terms
Current financial management: Funds can be deposited and withdrawn at any time, and returns are settled hourly, with high liquidity.
Regular financial management: Users need to lock their funds for a fixed period of time, and return the principal and income after maturity; support early full redemption, and will lose all income after redemption
Subscription/Redemption: Refers to the transfer of funds between "spot account/fund account" and "wealth management account".
Income distribution: The platform extracts 15% of the interest income as a risk reserve, and distributes the remaining 85% to users.
- Product features
Current financial management
Flexibility: Supports deposit or withdrawal at any time.
Profit calculation: Profit is calculated dynamically based on the market environment, settled daily and automatically distributed.
Dynamic adjustment: The yield fluctuates with the market situation; the platform has a minimum position requirement, and returns will not be counted if it is lower than the standard.
Regular financial management
Lock-up period: You need to choose a fixed period (such as 7 days, 14 days, 30 days, etc.) to lock up.
Maturity processing: After maturity, the principal and interest will be automatically returned to the spot account.
Automatic renewal: Once enabled, the system will automatically renew the contract at the current market rate when it expires.
Early redemption: Early redemption may result in zero income or additional handling fees.
- Current financial management operation process
Subscription: Spot account/fund account → Wealth management account. After the user confirms the amount, the fund transfer is completed immediately. The interest calculation time starts from 0 minutes of T + 1 hour.
Redemption: Wealth management account → Spot account/Fund account. The user initiates the redemption and the funds are returned to the spot account.
Income reinvestment: The hourly settlement income of current products is automatically transferred to the principal for compound interest calculation.
- Regular financial management operation process
Subscription: Spot account/fund account → wealth management account. The user selects the product and amount. The interest calculation time starts from 00:00 on T + 1.
Redemption: After maturity, the principal and interest will be automatically returned to the spot account on T + 1.
Early redemption policy: If users choose to redeem early, they will not receive any benefits, only the principal will be immediately refunded to the spot account.
- Risk Warning
Yield fluctuation: The yield of Yubit's deposit interest is affected by market fluctuations and is not fixed.
Non-investment advice: This product does not constitute any investment advice. Please make a cautious decision based on your risk tolerance.
Disclaimer: Yubit is not responsible for fluctuations in earnings due to market fluctuations, policy changes, or other force majeure.
Actual arrival: Please note that the 15% risk reserve deducted from the income distribution will directly affect your final net income.
- Disclaimer
Agreement Update: Yubit reserves the right to modify this Agreement at any time due to legal, regulatory, or operational needs, and notify users through platform announcements.
System risk: Yubit is not responsible for losses caused by system failures, hacker attacks, or policy changes due to force majeure.
Final interpretation right: Yubit operates in accordance with the laws of Saint Vincent and the Grenadines and reserves the right to make final decisions on product and service adjustments.
- Dispute resolution
Friendly Consultation: When disputes arise, both parties should first resolve them through friendly communication.
Jurisdiction: If no agreement is reached, the dispute shall be submitted to the judicial authority with jurisdiction at Yubit's place of registration (Saint Vincent and the Grenadines) .
If you have any questions, please contact us through Yubit's official channels or online customer service.
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