Terms and Conditions
FinWell Global Holdings Ltd.
Terms and Conditions
Effective Date: March 6, 2017
Last Revised: March 6, 2017
Corporate Headquarters:
FinWell Global Holdings Ltd.
227 Lexington Avenue, 11th Floor
New York, NY 10016, USA
Phone: +1 (646) 912-5834
Email: legal@finwell.global
Website: www.finwell.global
1. Introduction
Welcome to FinWell Global Holdings Ltd. (“FinWell”, “we”, “us”, “our”). These Terms and Conditions (“Terms”) outline the binding legal relationship between you (“Client”, “User”, “Investor”, or “you”) and FinWell in relation to your access and use of our platform, infrastructure, technology, and associated services.
These Terms apply to all individuals or entities who access, register with, or engage with FinWell’s digital environment, including but not limited to clients, brokers, affiliates, representatives, and visitors.
By using or accessing any part of our services, you accept and agree to be bound by these Terms in full. If you do not accept these Terms, do not access or use the platform.
2. Our Vision and Responsibility
FinWell was established with the objective of reimagining the structure and flow of value in the digital space. Founded in 2015 and operational since 2017, we are a private financial entity that facilitates participation in the global digital estate market — enabling users to engage with non-physical storage assets through a structured and transparent investment model.
Our mission is to deliver structured engagement in virtual infrastructure assets through scalable digital portfolios and automated income flows. All operations are designed to align with global best practices, platform autonomy, and long-term value consistency.
We do not offer custodial or speculative products. FinWell remains focused on accessibility, transparency, and predictable framework-based outputs.
3. Eligibility and Representation
To use our platform, you must:
• Be at least 18 years old (or the legal age of majority in your jurisdiction),
• Have full legal capacity to enter into binding agreements,
• Not be restricted under international economic sanctions,
• Not be located in or a citizen of any jurisdiction prohibited under our operational or compliance guidelines.
In the case of corporate users, authorized representatives must submit proof of incorporation, business identification, and authorized signatory verification. All clients are subject to preliminary screening and continued eligibility assessments.
4. Definitions
For the purposes of these Terms, the following expressions shall have the following meanings:
• “Platform” refers to FinWell’s web application, mobile interface, backend architecture, investment portals, and communication systems.
• “Digital Estate” refers to virtual data storage allocations managed by FinWell and leased or monetized through structured offerings.
• “Structured Yield” refers to the quantified allocation of monthly or quarterly value to clients based on system participation and infrastructure commitments.
• “Commission” refers to performance-based participation earnings assigned to qualified users based on referrals or engagement.
Further definitions may be specified within subsections of this agreement or in related documentation.
5. Registration and Onboarding
To access investment products or affiliate systems on the FinWell platform, all users must complete the onboarding process which includes but is not limited to:
• Full name and identity verification,
• Valid address confirmation,
• Submission of any tax ID, business registration, or documentation required under local and global regulations,
• Agreement to these Terms, and any platform-specific disclosures.
The Company reserves the right to approve, reject, suspend, or deactivate any application or active account at its sole discretion, with or without cause or notice.
6. User Duties and Platform Usage
Users shall access the platform with full awareness of their responsibilities, including but not limited to:
• Maintaining security of login credentials,
• Ensuring account activity aligns with FinWell’s policy,
• Avoiding unauthorized access, automation tools, scraping, tampering, or duplication of platform content,
• Engaging only with approved product flows and channels.
Any behavior deemed abusive, misleading, or illegal shall result in permanent exclusion from the ecosystem and forfeiture of entitlements, if applicable.
7. Nature of Digital Estate Participation
FinWell offers users structured access to digital real estate allocations. These are non-physical, infrastructure-backed virtual resources which are packaged and made available for monetized participation through defined commitment periods.
Participation involves contributing capital into a system that allocates backend cloud architecture to scalable, income-generating endpoints. The infrastructure is dynamic and optimized over time to improve value consistency and user benefits.
Returns, distributions, and access benefits are based on participation tier, engagement consistency, and the configuration of storage environments and demand cycles.
8. Structured Return Systems
FinWell operates on a multi-tier structured return logic. The return flows are established through internal technical mechanisms and are made available as:
• Monthly reward allocations,
• Quarterly revaluation bonuses,
• Periodic loyalty credits.
Returns are subject to recalibration based on infrastructure developments, global bandwidth demand, backend system costs, and pool restructuring. The Company reserves the right to update any valuation frameworks with or without prior notice to ensure sustainable flow for all participants.
9. Multi-Tier Referral Structure
FinWell’s referral framework rewards users for introducing others into the system. Commission slabs exist across 10 vertical levels and are activated only through direct verified onboarding.
Referral earnings are automated, tracked, and recorded in real-time, subject to:
• Legitimate account status of the referrer,
• Compliance with all onboarding requirements,
• Adherence to platform promotional guidelines.
Attempts to misrepresent, duplicate, or exploit the referral system will result in withdrawal of affiliate rights.
10. Platform Fees and Deductions
Certain services may be subject to platform fees including:
• Entry configuration fees,
• Backend optimization levies,
• Early access adjustment fees,
• Technical overhead rebalancing.
These fees are automatically deducted from earnings, where applicable, and are non-refundable. A full breakdown is available within your account’s fee section.
11. Return Distribution Framework
All values distributed to participating users are facilitated through a closed-loop return system managed by FinWell’s backend infrastructure. These distributions occur in accordance with system health, availability cycles, and infrastructural allocation models.
FinWell makes no representations regarding frequency or fixed distribution values. Distributions may vary based on performance, participation load, or technical parameters across our architecture.
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12. Liquidity Access and Withdrawal Guidelines
Liquidity requests are available through platform-linked withdrawal modules. These may be processed monthly, quarterly, or as scheduled under your plan’s terms.
Liquidity access is not automatic. All withdrawals are subject to internal review, processing windows, and ongoing participation standing. Delays may occur due to backend settlements or infrastructural realignments.
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13. Early Exit Policy
If a participant seeks to disengage before the term completion or minimum engagement cycle, FinWell may apply an early-exit adjustment fee. The amount is calculated based on internal resource exposure, storage locking, and market impact.
Early exits are subject to platform discretion and are permitted only when infrastructure permits.
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14. Infrastructure Valuation Metrics
FinWell relies on a proprietary system to assess the value of cloud real estate blocks. Valuations are dynamic and take into account bandwidth usage, demand levels, hosting integrity, and client-side deployment performance.
These values form the basis of your participation tier, distribution qualification, and reinvestment potential.
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15. Account Tiers and Benefits
Users are placed in system-defined tiers based on allocation size, referral activations, and participation consistency. Higher tiers unlock benefits including:
• Faster withdrawal processing,
• Priority in infrastructure upgrades,
• Access to special reallocation pools,
• Premium advisory communications.
Tier structure is reviewed quarterly and may be upgraded or downgraded at FinWell’s discretion.
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16. System Enhancements and Upgrades
Platform improvements are made regularly to enhance performance and system sustainability. These upgrades may affect:
• Dashboard structure,
• Fee architecture,
• Access windows,
• Distribution frequency.
Clients will be notified via the official channel when enhancements significantly affect user experience.
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17. Data Integrity and Security
FinWell utilizes enterprise-grade encryption, firewalls, and access protocols to protect user information. All data flows are secured within restricted environments with 24/7 monitoring.
Clients are responsible for securing their login credentials and device access. FinWell will not be liable for breaches originating from user negligence.
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18. Compliance Monitoring
All participant activity is logged and monitored for compliance with platform rules and international regulatory benchmarks. FinWell reserves the right to pause, investigate, or deactivate accounts engaged in irregular behavior.
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19. Third-Party Dependencies
Some services may rely on third-party partners, including cloud service providers, analytics vendors, or infrastructure licensors. While we select only audited and compliant partners, FinWell shall not be held liable for disruption caused by external vendor actions or malfunctions.
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20. Communication and Notices
All communication with clients shall be through:
• Email (registered account),
• Platform dashboard notifications,
• Official FinWell newsletters,
• Approved support agents.
Clients must ensure their contact information is always up to date. Notices sent via these means will be considered valid and binding.
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21. Use Restrictions
Users are prohibited from:
• Reselling platform access,
• Copying FinWell’s intellectual framework,
• Interfering with internal operations,
• Attempting reverse engineering of any FinWell product.
Violation may result in immediate suspension and legal action.
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22. Suspension and Deactivation
FinWell may suspend or terminate a user account at any time, with or without notice, under the following conditions:
• Misuse of platform systems,
• Legal infractions or fraud,
• Breach of participation agreement,
• Failure to verify identity,
• Regulatory directives.
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23. Amendment of Terms
FinWell reserves the right to modify these Terms at any time. Updated Terms will be published on the platform and shall become effective upon posting. Continued use of services after such modification implies acceptance.
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24. Jurisdiction and Governing Law
These Terms are governed by the laws of the State of Delaware, United States of America. Any disputes shall be settled under the exclusive jurisdiction of courts located in New York, NY or as determined by binding arbitration under the American Arbitration Association.
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25. Contact and Support
For all legal matters, support queries, and communication related to these Terms, please reach us at:
FinWell Global Holdings Ltd.
227 Lexington Avenue, 11th Floor
New York, NY 10016, USA
Phone: +1 (646) 912-5834
Email: legal@finwell.global
