Terms and conditions

Last Updated: March 1, 2026

1. INTRODUCTION AND ACCEPTANCE OF TERMS

Welcome to West Morgan (hereinafter referred to as “the Company,” “we,” “us,” or “our”). These Terms and Conditions of Use and Service (the “Agreement”) constitute a legally binding agreement between you (“User,” “Client,” “Visitor,” or “Counterparty”) and West Morgan regarding your access to and use of our digital platforms, including but not limited to our website located at westmorgan.group (the “Site”), any associated mobile applications, client portals, data feeds, and related services (collectively, the “Services”).

By accessing, browsing, or utilizing the Site or any of the Services, you expressly acknowledge that you have read, understood, and voluntarily agree to be bound by the terms and conditions set forth in this Agreement, as well as our Privacy Policy and any additional terms specifically applicable to certain Services. If you do not agree with any part of these terms, you must immediately cease all access to and use of the Site and Services.

This Agreement is designed to govern the relationship between the Company and its Users in a manner that ensures clarity, security, and mutual respect for intellectual property and legal obligations across international borders. It reflects our commitment to maintaining the highest standards of professional conduct, regulatory compliance, and operational integrity in the global financial and advisory sectors.

We reserve the right, at our sole discretion, to modify, replace, or update any portion of this Agreement at any time without prior notice. Such changes shall become effective immediately upon posting to the Site. Your continued use of the Site or Services following the posting of any changes constitutes your unconditional acceptance of those changes. It is your responsibility to review this Agreement periodically to ensure you are aware of the most current terms.

2. DEFINITIONS

For the purposes of this Agreement, the following definitions shall apply:

“Accredited Investor” refers to an individual or entity that meets the specific financial thresholds, income requirements, or professional certifications defined by applicable securities laws in their relevant jurisdiction (e.g., Rule 501 of Regulation D under the U.S. Securities Act of 1933, or equivalent standards in the European Union, United Kingdom, Singapore, or other jurisdictions).
“Confidential Information” means any non-public information, whether oral, written, electronic, or visual, disclosed by one party to the other, including but not limited to investment strategies, proprietary algorithms, client lists, financial data, trade secrets, business plans, and technical specifications.
“Content” refers to all text, graphics, images, logos, icons, audio clips, video files, software code, data compilations, and other materials made available on the Site or through the Services.
“Digital Assets” includes any virtual currency, cryptographic token, or digital representation of value that functions as a medium of exchange, unit of account, or store of value, where applicable under relevant laws.
“Force Majeure” refers to events beyond the reasonable control of the Company, including but not limited to acts of God, war, terrorism, civil unrest, pandemics, government embargoes, internet service provider failures, cyber-attacks, or natural disasters.
“Intellectual Property Rights” encompasses all patents, trademarks, service marks, trade names, copyrights, moral rights, database rights, design rights, domain names, and any other intellectual or industrial property rights, whether registered or unregistered, anywhere in the world.
“Personal Data” means any information relating to an identified or identifiable natural person, as defined under applicable data protection laws such as the General Data Protection Regulation (GDPR) or the California Consumer Privacy Act (CCPA).
“Prohibited Conduct” refers to any action or omission that violates applicable laws, regulations, or the specific restrictions outlined in Section 3 of this Agreement.
“Services” includes all advisory, consulting, investment management, market analysis, platform access, and informational services provided by West Morgan, whether free or fee-based.

3. ELIGIBILITY AND USER RESPONSIBILITIES

3.1 Eligibility Criteria

Access to the Site and certain Services is restricted to individuals and entities who possess the legal capacity to enter into binding contracts. By using the Site, you represent and warrant that:

You are at least eighteen (18) years of age or the age of majority in your jurisdiction of residence, whichever is higher.
You are an Accredited Investor, Qualified Purchaser, Professional Client, or Eligible Counterparty as defined by the financial regulations applicable in your jurisdiction.
You are not residing in, a citizen of, or located in any country or territory subject to comprehensive sanctions administered by the United States Office of Foreign Assets Control (OFAC), the United Nations Security Council, the European Union, or other relevant international bodies.
You are not prohibited from receiving financial services under any applicable law or regulation.

3.2 User Responsibilities

You agree to use the Site and Services solely for lawful purposes and in accordance with this Agreement. You are solely responsible for:

Maintaining the confidentiality of your login credentials, account numbers, and any security tokens issued by the Company.
All activities that occur under your account or through your use of the Site, whether authorized by you or not.
Ensuring that your use of the Services does not violate any local, state, national, or international laws, including but not limited to securities laws, export control regulations, and anti-money laundering statutes.
Providing accurate, current, and complete information during any registration process or inquiry submission. Failure to do so may result in the immediate suspension or termination of your access.

3.3 Prohibited Conduct

You strictly agree not to:

Attempt to gain unauthorized access to any portion of the Site, Services, accounts, computer systems, or networks connected to the Company through hacking, password mining, or any other means.
Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission.
Reverse engineer, decompile, disassemble, or attempt to derive the source code of any software or proprietary algorithms used in the Services.
Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful to the Site or Services.
Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or that, as determined by us, may harm the Company or Users of the Site or expose them to liability.
Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Use the Site to transmit unsolicited advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation.

4. SERVICES DESCRIPTION

4.1 Nature of Services

West Morgan provides a suite of institutional-grade financial, advisory, and investment services. These may include, but are not limited to:

Investment Advisory: Strategic guidance on asset allocation, portfolio construction, and risk management.
Capital Markets Access: Facilitation of access to private equity, venture capital, hedge funds, and public market opportunities.
Corporate Structuring: Advisory on cross-border legal structures, tax efficiency, and regulatory compliance.
Market Intelligence: Provision of research reports, economic analysis, and sector-specific insights.
Digital Platform Access: Secure portals for monitoring investments, executing transactions, and accessing documentation.

4.2 No Guarantee of Results

The Services are provided on an “as is” and “as available” basis. While the Company employs rigorous due diligence, advanced analytical models, and experienced professionals, we do not guarantee any specific financial outcome, return on investment, or success of any transaction. All investments involve inherent risks, including the potential loss of principal. Past performance of any strategy, fund, or asset class is not indicative of future results.

4.3 Modification of Services

The Company reserves the right to modify, suspend, discontinue, or terminate any Service or any portion thereof at any time, with or without notice, and without liability to you. We may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or penalty.

5. ACCOUNT REGISTRATION AND SECURITY

5.1 Registration Process

To access certain restricted areas of the Site or to utilize specific Services, you may be required to register for an account. During registration, you will be asked to provide certain Personal Data and undergo identity verification procedures consistent with global Know Your Customer (KYC) and Anti-Money Laundering (AML) standards.

5.2 Verification Requirements

You acknowledge that the Company is legally obligated to verify your identity before providing certain services. You agree to provide valid government-issued identification, proof of address, and evidence of source of funds or wealth as requested. Failure to provide satisfactory documentation within a reasonable timeframe may result in the rejection of your application or the freezing of your account.

5.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to:

Choose a strong, unique password and change it regularly.
Not share your password with any third party.
Immediately notify the Company of any unauthorized use of your account or any other breach of security.
Log out from your account at the end of each session.

The Company will not be liable for any loss or damage arising from your failure to comply with these security obligations.

6. PAYMENT TERMS

6.1 Fees and Charges

Certain Services may be subject to fees, commissions, management charges, or performance allocations. Specific fee structures will be detailed in separate engagement letters, subscription agreements, or fee schedules provided to you prior to the commencement of such Services. By engaging in a fee-based Service, you agree to pay all applicable fees as described in the relevant agreement.

6.2 Payment Methods

Payments must be made via wire transfer or other methods approved by the Company. All payments must be made in the currency specified in the relevant agreement. You are responsible for any bank charges, conversion fees, or intermediary costs associated with the transfer of funds.

6.3 Late Payments and Default

Failure to pay fees when due may result in:

The imposition of late payment penalties or interest charges at the maximum rate permitted by law.
The suspension or termination of your access to the Services.
The liquidation of assets held in your portfolio to cover outstanding fees, where contractually permitted.
Legal action to recover unpaid amounts, including reasonable legal fees and collection costs.

6.4 Refund Policy

Unless explicitly stated otherwise in a specific service agreement or required by applicable law, all fees paid to the Company are non-refundable. Given the advisory and intangible nature of many of our Services, refunds are generally not available once services have been rendered or access has been granted.

7. INTELLECTUAL PROPERTY RIGHTS

7.1 Ownership of Content

All Content included on the Site or provided through the Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the exclusive property of West Morgan or its content suppliers and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Limited License

Subject to your compliance with this Agreement, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and view the Content for your personal, non-commercial use. This license does not include any right to:

Reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit the Site or Content for commercial purposes.
Modify, adapt, translate, reverse engineer, decompile, or disassemble any software or technology underlying the Services.
Create derivative works based on the Content.
Remove any copyright, trademark, or other proprietary notices from the Content.

7.3 Trademarks

The name “West Morgan,” along with our logos, slogans, and service marks, are trademarks of the Company. You may not use these marks without our prior written consent. All other trademarks appearing on the Site that are not the property of the Company are the property of their respective owners.

7.4 User Submissions

If you submit any material, suggestions, ideas, or feedback to the Company (“User Submissions”), you grant West Morgan a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully paid-up right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Submissions throughout the world in any media. You represent that you own or otherwise control all rights to the User Submissions and that they do not infringe upon the rights of any third party.

8. CONFIDENTIALITY

8.1 Obligation of Confidentiality

Both parties acknowledge that in the course of their relationship, they may have access to Confidential Information belonging to the other party. You agree to hold all Confidential Information of the Company in strict confidence and not to disclose it to any third party without our prior written consent, except as required by law or regulatory authority.

8.2 Exceptions

The obligation of confidentiality shall not apply to information that:

Is or becomes publicly known through no wrongful act of the receiving party.
Was rightfully known to the receiving party prior to disclosure by the disclosing party.
Is independently developed by the receiving party without use of or reference to the Confidential Information.
Is rightfully received from a third party without restriction on disclosure.

8.3 Compelled Disclosure

If you are legally compelled (by deposition, interrogatory, request for documents, subpoena, or similar process) to disclose any Confidential Information, you must promptly notify the Company in writing to allow us to seek a protective order or other appropriate remedy. If a protective order is not obtained, you shall furnish only that portion of the Confidential Information which is legally required and exercise reasonable efforts to obtain assurance that confidential treatment will be accorded to such information.

9. DATA PROTECTION AND PRIVACY COMPLIANCE

9.1 Commitment to Privacy

The Company is committed to protecting the privacy and security of your Personal Data. Our collection, use, storage, and disclosure of your data are governed by our Privacy Policy, which is incorporated herein by reference.

9.2 Global Compliance

We adhere to applicable data protection laws and regulations in all jurisdictions where we operate, including but not limited to:

The General Data Protection Regulation (GDPR) (EU) 2016/679.
The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
The Personal Data Protection Act (PDPA) (Singapore).
The Federal Act on Data Protection (FADP) (Switzerland).
The UK General Data Protection Regulation (UK GDPR).

9.3 Cross-Border Data Transfers

As a global organization, your Personal Data may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from those of your country. We ensure that appropriate safeguards are in place for such transfers, including the use of Standard Contractual Clauses (SCCs) approved by relevant authorities, adherence to Binding Corporate Rules (BCRs), or reliance on adequacy decisions.

9.4 Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, restrict processing of, or port your Personal Data. You may also have the right to object to processing or withdraw consent where processing is based on consent. To exercise these rights, please contact our Data Protection Officer at investor@westmorgan.com.

10. RISK DISCLOSURE

10.1 General Investment Risks

Investing in financial instruments, including equities, bonds, derivatives, commodities, real estate, private equity, and digital assets, involves a significant degree of risk. You should be aware that:

Loss of Principal: The value of your investment can go down as well as up, and you may lose some or all of the money you invested.
Market Volatility: Financial markets are volatile and can be affected by economic, political, regulatory, and social factors beyond our control.
Liquidity Risk: Certain investments may be illiquid, meaning they cannot be easily sold or converted into cash without a substantial loss in value.
Currency Risk: Investments denominated in foreign currencies are subject to fluctuations in exchange rates, which can adversely affect the value of your investment.
Leverage Risk: The use of leverage can magnify both gains and losses, potentially resulting in losses exceeding your initial investment.

10.2 Specific Sector Risks

Private Equity & Venture Capital: Investments in private companies are highly speculative and involve a high degree of risk. There is often no public market for these securities, and valuations are subjective.
Real Estate: Real estate investments are subject to risks such as changes in property values, vacancy rates, zoning laws, and environmental liabilities.
Emerging Markets: Investments in emerging markets may involve greater risks than investments in developed markets, including political instability, economic volatility, and weaker legal protections.
Digital Assets: Cryptocurrencies and other digital assets are highly volatile, unregulated in many jurisdictions, and susceptible to hacking, fraud, and technological obsolescence.

10.3 No Advice Disclaimer

The information provided on the Site or through the Services is for informational purposes only and does not constitute financial, legal, tax, or investment advice. It is not intended as a recommendation to buy, sell, or hold any security or financial product. You should consult with qualified professional advisors before making any investment decisions.

11. LIMITATION OF LIABILITY

11.1 Exclusion of Consequential Damages

To the fullest extent permitted by applicable law, West Morgan, its affiliates, directors, officers, employees, agents, advisors, and licensors shall not be liable to you or any third party for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of profits, revenue, or business opportunities.
Loss of data or corruption of data.
Loss of goodwill or reputation.
Cost of procurement of substitute goods or services.
Any other pecuniary or non-pecuniary loss or damage.

This exclusion applies regardless of the cause of action, whether in contract, tort (including negligence), strict liability, or otherwise, even if the Company has been advised of the possibility of such damages.

11.2 Cap on Liability

In no event shall the total aggregate liability of West Morgan to you for all claims arising out of or relating to the use of the Site or Services exceed the amount of fees actually paid by you to the Company for the specific Service giving rise to the claim in the twelve (12) months preceding the event giving rise to the liability. If no fees were paid, our total liability shall not exceed one hundred US Dollars (USD $100.00).

11.3 Reliance on Information

You acknowledge that your use of the Site and Services is at your own risk. The Company makes no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information, content, or data provided on the Site. We shall not be liable for any errors, omissions, delays, or interruptions in the provision of the Services, or for any actions taken or omitted to be taken in reliance upon any information provided.

12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless West Morgan, its affiliates, and their respective directors, officers, employees, agents, advisors, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees and court costs) arising out of or relating to:

Your breach of this Agreement or any violation of applicable laws or regulations.
Your use of the Site or Services, including any User Submissions you make.
Your violation of any rights of another party, including intellectual property rights or privacy rights.
Any negligent or willful misconduct by you in connection with the Site or Services.

The Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with the Company in asserting any available defenses.

13. THIRD-PARTY LINKS AND SERVICES

13.1 No Endorsement

The Site may contain links to third-party websites, applications, or services that are not owned or controlled by West Morgan. These links are provided solely for your convenience and do not imply endorsement, sponsorship, or affiliation with the linked entities.

13.2 No Responsibility

We have no control over, and assume no responsibility for, the content, privacy policies, practices, security measures, or availability of any third-party sites or services. You acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party sites or services.

13.3 Your Responsibility

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit. Your interactions with third parties are solely between you and the third party, and the Company is not a party to such transactions.

14. COMPLIANCE WITH LAWS AND REGULATIONS

14.1 General Compliance

You agree to comply with all applicable local, state, national, and international laws, rules, and regulations in your use of the Site and Services. This includes, but is not limited to, laws governing online conduct, acceptable content, data transmission, and export controls.

14.2 Export Controls

You acknowledge that the Services and certain technologies provided by the Company may be subject to export control laws and regulations of the United States and other jurisdictions. You represent and warrant that you are not located in, under control of, or a national or resident of any embargoed country or listed on any denied persons list. You agree not to export, re-export, or transfer any controlled technology or information obtained from the Site in violation of any applicable export control laws.

14.3 Sanctions

The Company strictly adheres to all applicable economic and trade sanctions programs. You represent that you are not a sanctioned individual or entity, and that no funds involved in any transaction with the Company are derived from or related to sanctioned activities.

15. ANTI-MONEY LAUNDERING (AML) AND KNOW YOUR CUSTOMER (KYC)

15.1 Commitment to Integrity

West Morgan is committed to preventing money laundering, terrorist financing, and other financial crimes. We adhere to the highest international standards of AML and KYC compliance, including the recommendations of the Financial Action Task Force (FATF).

15.2 Due Diligence Obligations

As part of our compliance program, we may require you to:

Provide detailed information about your identity, beneficial ownership, source of funds, and source of wealth.
Submit supporting documentation, such as passports, utility bills, bank references, and corporate formation documents.
Answer questions regarding the nature and purpose of your intended transactions.
Consent to background checks and screening against sanctions lists and politically exposed persons (PEP) databases.

15.3 Right to Refuse and Report

The Company reserves the right to refuse to initiate or continue any business relationship, or to execute any transaction, if we suspect involvement in money laundering, terrorist financing, or other illicit activities. We are legally obligated to report suspicious activities to relevant financial intelligence units and regulatory authorities without notifying you (“tipping off”). In such events, we may freeze assets or terminate accounts as required by law.

16. TERMINATION AND SUSPENSION

16.1 Termination by Company

West Morgan reserves the right, in its sole discretion, to suspend or terminate your access to the Site or Services, with or without notice, for any reason, including but not limited to:

Breach of any provision of this Agreement.
Suspected fraud, illegal activity, or violation of applicable laws.
Failure to complete KYC/AML verification.
Prolonged inactivity.
Operational necessities or security concerns.

16.2 Termination by User

You may terminate your account at any time by contacting us at investor@westmorgan.com. Upon termination, your right to use the Site and Services will immediately cease.

16.3 Effect of Termination

Upon termination:

All licenses granted to you under this Agreement shall immediately terminate.
You must cease all use of the Site and Services.
Provisions of this Agreement that by their nature should survive termination (including Intellectual Property, Confidentiality, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution) shall survive.
The Company may retain your Personal Data as required by law or for legitimate business purposes, as outlined in our Privacy Policy.

17. FORCE MAJEURE

The Company shall not be liable for any failure or delay in performing its obligations under this Agreement if such failure or delay is due to causes beyond its reasonable control, including but not limited to acts of God, fire, flood, earthquake, storm, hurricane, or other natural disaster; war, invasion, hostilities, terrorist threats or acts, riots, or other civil unrest; government orders, laws, or actions; explosions, nuclear accidents, or chemical spills; epidemics, pandemics, or quarantines; strikes, labor stoppages, or slowdowns; power outages or utility failures; interruptions or failures of telecommunications, internet, or satellite services; or cyber-attacks, hacking, or denial-of-service attacks.

In the event of a Force Majeure event, the Company will use commercially reasonable efforts to mitigate the effects of such event and resume performance as soon as practicable.

18. GOVERNING LAW AND JURISDICTION

18.1 Governing Law

This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the District of Columbia, United States of America, without regard to its conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

18.2 Jurisdiction

Subject to the arbitration clause below, the courts of the District of Columbia shall have exclusive jurisdiction to settle any dispute arising out of or in connection with this Agreement. You hereby irrevocably submit to the exclusive jurisdiction of such courts and waive any objection to proceedings brought in such courts on the grounds of venue or forum non conveniens.

19. DISPUTE RESOLUTION

19.1 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to this Agreement, or the breach, termination, or validity thereof, shall be finally settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The seat of arbitration shall be Washington, D.C., USA. The language of the arbitration shall be English.

19.2 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU HEREBY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

19.3 Emergency Relief

Notwithstanding the foregoing, either party may seek emergency equitable relief (such as an injunction or restraining order) in any court of competent jurisdiction to prevent irreparable harm pending the outcome of the arbitration.

20. AMENDMENTS AND UPDATES

West Morgan reserves the right to amend, modify, or update this Agreement at any time at its sole discretion. Changes will be effective immediately upon posting to the Site. We encourage you to review this Agreement regularly for updates. Your continued use of the Site or Services after any changes indicates your acceptance of the revised terms. If you do not agree to the new terms, you must stop using the Site and Services immediately.

21. SEVERABILITY

If any provision of this Agreement is held by a court of competent jurisdiction or an arbitrator to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Agreement will continue in full force and effect. The parties agree to negotiate in good faith to substitute for any invalid or unenforceable provision a valid and enforceable provision that achieves the original intent of the parties as closely as possible.

22. ENTIRE AGREEMENT

This Agreement, together with our Privacy Policy, Cookie Policy, and any other specific terms incorporated herein by reference, constitutes the entire agreement between you and West Morgan regarding the use of the Site and Services and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.

23. NO WAIVER

No failure or delay by West Morgan in exercising any right or remedy under this Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy preclude any other or further exercise thereof or the exercise of any other right or remedy. Any waiver must be in writing and signed by an authorized representative of the Company.

24. ASSIGNMENT

You may not assign, transfer, or delegate any of your rights or obligations under this Agreement without the prior written consent of West Morgan. Any attempted assignment in violation of this provision shall be null and void. The Company may freely assign, transfer, or delegate any of its rights or obligations under this Agreement to any affiliate or successor in interest without your consent.

25. CONTACT INFORMATION

If you have any questions, concerns, or requests regarding this Agreement, our Services, or our compliance practices, please contact us at:

West Morgan Legal & Compliance Department Address: 1100 New York Avenue NW, Suite 500, Washington, D.C. 20005, USA Email: investor@westmorgan.com Compliance Hotline: investor@westmorgan.com Data Protection Officer: investor@westmorgan.com

This document is a comprehensive legal instrument designed for global enforceability. It is intended to serve as the foundational contractual framework for all digital and advisory interactions involving West Morgan.