Legal name: GTC Global Trading Ltd (the "Company", "we", "us" or "our")

Company number: 16283

Legal form and jurisdiction: A private limited company incorporated under the laws of the Autonomous Island of Anjouan, Union of the Comoros

Licence: Licence no. L16283/GTC issued by the Anjouan Offshore Finance Authority ("AOFA")

Registered address: Boulevard de Coalancanthe, Mutsamudu, Anjouan, Union of the Comoros

Website: https://www.gtcfx.com/en-intl/

The Company owns and operates the /en-intl website and provides the services made available through that route. "GTCFX" is a brand reference and does not identify a separate contracting entity. This Policy applies only where the Client Agreement identifies GTC Global Trading Ltd as the contracting entity. It does not govern an account contracted with another group entity.

A bank, card acquirer, e-wallet provider, digital-asset payment provider or other payment service provider may process or settle a payment on the Company's behalf. The payment screen and receipt must identify the provider's role and must make clear that the relevant account and services are contracted with GTC Global Trading Ltd. Another GTC group entity must not be presented as the service provider or contracting party for an account governed by this Policy.

The licence applies only to GTC Global Trading Ltd and only within the scope stated by its issuer. It must not be understood as an authorisation, recognition or endorsement by the government or regulator of another jurisdiction, or as a guarantee of solvency, performance, client-money protection, investment return or recovery of funds.

Business Day: A day on which the Company's relevant payment operations and the applicable payment provider are open for ordinary business, excluding weekends and applicable public holidays. Unless a method-specific instruction states another time zone, MyGTC timestamps and payment deadlines are measured in UTC. A request received after a displayed cut-off is treated as received on the next Business Day.

Deposit: Money or other supported value actually received, cleared and credited to a client's trading account. A provisional account credit is not a cleared Deposit.

Original Funding Source: The card, bank account, supported wallet or other payment method from which a Deposit was received and whose ownership has been verified.

Payment Provider: A bank, card acquirer, payment gateway, e-wallet provider, digital-asset payment provider or other third party that processes, receives, converts, settles or returns a payment for the Company.

Refund: A reversal or return of an eligible, unused Deposit. A Refund is not a reimbursement of trading loss, a return of profit, or a withdrawal of account equity after trading or other account activity.

Withdrawal: A request to transfer available account equity in accordance with the Client Agreement and the withdrawal procedures then in force.

The Client Agreement governs the trading account, client-money treatment, available balance, margin, withdrawals, account closure and financial services. This Policy governs the payment and Refund process. Method-specific terms shown in MyGTC or on the payment confirmation govern the availability, limits, fee and processing estimate for that payment method. If there is an inconsistency, the Client Agreement prevails for the account and financial service, while mandatory rights that cannot lawfully be excluded remain unaffected.

A client may fund an account only through a payment method shown as available in the MyGTC portal and held in the same legal name as the verified trading account. The Company does not accept anonymous funding methods or funds sent for another person.

The client must fund only the account and contracting entity assigned through the Company's onboarding process. The client may not select, substitute or route payment through another GTC group entity in order to obtain different eligibility, leverage, restriction, payment or legal terms.

A joint bank account, corporate account or other non-individual funding source may be used only if the Company gives prior written approval and is satisfied as to ownership, authority, beneficial ownership and source of funds. Approval for one transaction does not create continuing approval.

Unless the Company approves an exception, no more than three payment cards may be registered or used by one client. Prepaid, gift, virtual or non-reloadable cards should not be used unless the portal expressly confirms that the method is supported and can receive a Refund.

If a third-party or unsupported payment is received, the Company may reject it, place the corresponding account credit on hold, reverse a provisional credit or return the funds to their source. The Company will not redirect such funds to the client or another person merely on request.

Funding methods are made available on an operational and jurisdiction-specific basis. A payment method displayed to one client may not be available to another and may be changed, suspended or withdrawn where reasonably necessary for security, legal, provider or risk-control reasons.

Clients must use only the bank details, wallet address, payment link and transaction instructions displayed in the authenticated MyGTC portal or confirmed through an official Company channel. The Company is not responsible for a payment sent to altered, outdated or unofficial instructions where that loss was not caused by the Company's breach of duty.

Before authorising a payment, the client should check the displayed legal recipient, Payment Provider and merchant or statement descriptor. Where a Payment Provider collects funds for the Company, that role must be disclosed before payment and the receipt must state that the payment was collected or processed for GTC Global Trading Ltd. An unexpected recipient or descriptor must be reported before further payment is made.

Bank transfers must include the requested account or payment reference. For supported wallet or digital-asset funding, the client must use the asset, network, address, memo or tag shown for that transaction. Sending an unsupported asset or using the wrong network, address, memo or tag may cause permanent loss or require a separate recovery review.

If a digital-asset payment channel is available, the transaction screen must disclose the supported asset and network, required confirmations, conversion basis, applicable network or provider charges, and whether a Refund is denominated in the same asset quantity or in the account-currency value credited. The Company does not guarantee the same token quantity or fiat value unless the transaction confirmation expressly states this. Availability of the payment channel does not by itself mean that the Company provides a separate digital-asset exchange, custody, transfer or investment service.

A Deposit is credited only after the Company or its Payment Provider has received cleared funds and completed the checks required for the transaction. The channel-specific estimate displayed in MyGTC begins only after those conditions are met. Words such as "instant" or "immediate" describe an expected processing time for an eligible transaction and are not a guarantee of clearance, compliance approval or provider settlement.

An account credit may be treated as provisional until settlement is final. The Company may correct or reverse a duplicate, erroneous, recalled, unpaid or fraudulently obtained credit. A client should not trade in reliance on a provisional credit and remains responsible for any resulting negative balance or open-position exposure to the extent provided by the Client Agreement, applicable law and any negative-balance protection expressly applicable to the account.

Money credited to a trading account is provided for trading and related account purposes. The account must not be used as a payment-transmission, pass-through, currency-conversion or money-remittance service. A Deposit is not a bank deposit and does not earn interest unless expressly stated in the Client Agreement.

The Company will charge a fee for a Deposit, Refund or Withdrawal only where the fee, or the method for calculating it, is stated in the applicable fee schedule, payment screen or transaction confirmation before the client submits the transaction. A statement that a method is "free", "zero fee" or "$0" means only that the Company does not charge its own processing fee for that method; it does not include a third-party, network, correspondent-bank or currency-conversion charge unless expressly stated.

Banks, card issuers, payment service providers, e-wallet providers, correspondents, blockchain networks or other intermediaries may impose charges outside the Company's control. Those charges may reduce the amount received or returned and are borne by the client unless mandatory law requires otherwise.

Where a transaction requires currency conversion, the applicable conversion rate, spread or fee will be the rate or method disclosed for that payment channel or in the Client Agreement. Exchange-rate movements may cause the amount received by the client to differ from the amount originally paid.

A client must promptly report a duplicate, misdirected, unauthorised or incorrectly credited transaction. Recovery is not guaranteed. Any recovery fee must be reasonable, permitted by law and disclosed before the recovery work is undertaken where practicable.

A client may request a Refund no later than 23:59 UTC on the first Business Day following the date on which the Deposit is shown as credited in MyGTC, unless the payment confirmation gives a longer period. The MyGTC credit timestamp controls unless the client demonstrates a manifest error.

The Deposit must remain unused. If the account has an open position when the Deposit is credited, or if any order, trade, investment, currency conversion, copy-trading allocation, internal transfer, fee-generating service or other account transaction is initiated after credit, the Deposit may support margin or account activity and will not qualify as an unused Deposit unless the Company's records clearly establish otherwise.

The maximum eligible Refund is the lesser of: (a) the unused amount credited to the account; and (b) the cleared amount that the Company or Payment Provider can lawfully return to the Original Funding Source, less any amount already refunded, reversed or charged back and only those fees or actual third-party charges disclosed under section 05. No undisclosed administrative deduction may be applied. A Refund excludes trading profits, bonuses, promotional credits, interest, trading losses and losses caused by market movement.

A request made after the one-Business-Day period, or after the account has been used, will normally be treated as a Withdrawal and assessed under the Client Agreement and the withdrawal procedures. Labelling a request as a Refund does not change its substance.

A Refund may be refused, reduced or deferred where the account has an open or pending transaction, insufficient free equity, an outstanding fee or debt, a disputed payment, a chargeback, a legal or regulatory restriction, incomplete verification, or reasonable grounds to suspect fraud, abuse or financial crime.

A Refund or Withdrawal may cancel or adjust a bonus, rebate, promotion or benefit in accordance with the terms of that offer. Nothing in this Policy removes a cancellation, refund or other remedy that the client has under mandatory law.

A Refund will normally be returned to the Original Funding Source and in the original funding currency where the payment channel supports it. A Refund will not be paid to an unrelated third party, transferred to another trading account or redirected solely for convenience.

For a digital-asset Deposit, the return asset, quantity or account-currency value will be determined by the denomination and conversion basis disclosed before the Deposit was submitted. Network confirmations, conversion rates and provider or network charges may cause the quantity or value received to differ. A Refund will not be sent to an unverified wallet merely because it is nominated by the client.

If the Original Funding Source has been closed, expired or cannot technically receive the Refund, the Company may require evidence from the relevant provider and may return funds to another verified payment method held in the client's name. The permissible alternative will be selected in accordance with applicable law, payment-scheme rules and AML controls.

Where an account was funded through more than one source, the Company may return amounts to those sources up to the net amount received from each source and in an order required by payment-scheme rules, AML controls or operational constraints. Amounts exceeding the original Deposit are handled as a Withdrawal, not a Refund.

Refund requests must be submitted through the MyGTC portal or from the client's registered email address to support@gtcfx.com and must identify the trading account, transaction date, amount and payment method without including prohibited card or security credentials.

The Company will normally review a complete Refund request within five Business Days after all required information has been received. Approval or initiation is not the same as receipt by the client. Banks, card schemes, payment providers and blockchain networks may require additional time, and the Company cannot guarantee their settlement time.

The Company's Refund processing is treated as complete when its Payment Provider has accepted an instruction to return the funds to the correct approved destination. On request, the Company will provide an available transaction reference or other reasonable evidence of initiation. This does not excuse an error caused by the Company or prevent a payment trace or correction where available. The client must notify the Company promptly if funds are not received within the expected provider timeframe.

Before crediting, refunding or withdrawing funds, the Company may request information reasonably required to verify identity, residential address, payment-method ownership, transaction purpose, source of funds, source of wealth, beneficial ownership or authority to act. Requests will be proportionate to the transaction and the compliance risk identified.

Documents may include a valid passport or government-issued identity card, recent proof of address, bank or card statement, payment-provider confirmation, transaction receipt, wallet-ownership evidence or other reliable supporting information. Documents must be current, legible and submitted through the secure MyGTC portal or another authenticated channel specified by the Company.

For card-ownership verification, the Company will normally use a masked statement, provider confirmation or other evidence that avoids unnecessary card-data collection. If a masked card image is specifically requested, the cardholder name and only the first six and last four digits may remain visible; all other digits must be covered. Company personnel will not request an unmasked full card number, an image that exposes the CVV/CVC, or sensitive authentication data as part of a verification document.

A verified secure payment page operated by a Payment Provider may require a full card number and CVV/CVC solely to authorise the payment. A card issuer's authenticated 3-D Secure page may require a one-time authentication code or challenge response. Those details must be entered only into the verified page and must never be sent by email, chat or document upload or disclosed to Company staff. The Company will never ask for a PIN, online-banking password, account password, recovery phrase or digital-wallet private key.

Screenshots or statements should show only the information necessary to verify the transaction, such as the account-holder name, provider, masked account identifier, date, amount and transaction reference. Unrelated balances, transactions and sensitive credentials should be redacted where the Company does not need them.

Personal data and verification documents will be handled in accordance with the Privacy Policy, applicable law and the Company's legal and record-keeping obligations. The Company may share necessary transaction and verification information with banks, payment providers, compliance service providers and competent authorities where lawful and necessary.

The Company applies risk-based anti-money laundering, counter-terrorist financing, sanctions, fraud-prevention and payment-security controls. A client must provide complete, accurate and timely information and must not conceal the true payer, source, purpose, beneficiary or beneficial owner of funds.

Where required by law, a payment-provider rule or the Company's reasonable risk controls, the Company may delay, reject, cancel, reverse or return a payment; place a corresponding credit or amount on hold; restrict funding, trading or withdrawals; require additional information; close an account in accordance with the Client Agreement; or make a report to a competent authority.

A hold or delay may continue while verification, investigation, provider review, sanctions screening, a court order or a lawful authority's direction remains outstanding. The basis and necessity for a discretionary hold will be reviewed at reasonable intervals, and the hold will be released or the funds returned when its lawful or contractual basis ends. The Company is not required to complete or explain a transaction where disclosure is prohibited by law, including restrictions relating to suspicious-activity reporting or tipping off.

Where a return is permitted, funds will normally be sent back to their verified source rather than to a destination nominated by the client. The Company may deduct only fees, losses or charges that are permitted by law and the Client Agreement and that are properly attributable to the transaction.

Nothing in this section gives the Company an unrestricted discretion to retain client funds. Any restriction, deduction, refusal or return must have a contractual, legal, payment-scheme, security or reasonable risk-control basis and remains subject to mandatory rights.

A client should contact the Company promptly about an unrecognised, duplicate or disputed payment so that it can be investigated. This request does not prevent the client from exercising any non-excludable right to contact a card issuer, bank, payment provider, regulator or other competent body.

A client must not make a knowingly false, duplicate or abusive Refund, recall or chargeback claim. The Company may provide relevant account, authentication, transaction and service records to the payment provider or competent authority when lawfully responding to a dispute.

If a payment is charged back, recalled, reversed, rejected or later found not to have settled, the Company may reverse the corresponding account credit and any duplicate Refund. It may restrict the account or close positions where permitted by the Client Agreement and reasonably necessary to prevent further loss or meet margin requirements.

If a reversal creates a negative balance or the client has already used or withdrawn the corresponding amount, the resulting liability will be handled under the Client Agreement, applicable law and any negative-balance protection expressly applicable to the account. The Company will not recover the same amount twice and will correct an adjustment shown to be erroneous.

A complaint concerning a Deposit, Refund, payment verification or related delay should be submitted in writing to support@gtcfx.com from the client's registered email address. The complaint should include the trading-account number, transaction reference, date, amount, payment method and a clear description of the issue, but no prohibited security credentials.

The Company will handle complaints in accordance with its Complaint Handling Policy, acknowledge receipt, provide a complaint reference where available and give reasonable status updates. A payment trace, fraud review, chargeback process or complaint may have a separate timetable because it can depend on an external provider or competent authority.

The governing law, jurisdiction and dispute-resolution procedure applicable to the account are set out in the Client Agreement. Nothing in this Policy restricts a right to complain to a competent authority, payment provider or dispute-resolution body where that right cannot lawfully be excluded.

The Company may update this Policy to reflect changes in law, payment methods, provider requirements, security controls or business operations. The revised Policy will show its last-updated date and will take effect when published or on a later stated date.

Where required by law, or where a change materially affects clients, the Company will provide reasonable notice through the website, MyGTC portal or available contact details. A change will not retrospectively remove an accrued mandatory right or alter an already approved Refund except where required by law, a competent authority or a payment-provider rule.

The English version of this Policy controls if a translated version is inconsistent, to the extent permitted by applicable law. Headings are for convenience and do not affect interpretation.

Questions about funding, Refund eligibility, verification or a delayed transaction may be sent to support@gtcfx.com. Clients should use the Contact Support page or authenticated MyGTC portal to confirm that a communication channel is genuine before sending documents.