This JuCoin Wealth Management Service Agreement (hereinafter referred to as "this Agreement") is entered into by and between the JuCoin platform (hereinafter referred to as "the Platform" or "JuCoin") and the user (hereinafter referred to as "you") regarding your purchase of the wealth management products provided by the Platform (including flexible-term and fixed-term wealth management products, collectively referred to as "the Products"). By logging into the Platform (including the website, mobile application, API interface, etc.), selecting "I have read and agree," or actually purchasing the Products, you are deemed to have fully read, understood, and accepted all terms of this Agreement and the JuCoin User Agreement. If you do not agree to any part of this Agreement or the User Agreement, please immediately stop using this service. Continuing to use the service constitutes unconditional acceptance of this Agreement. The Chinese version of this Agreement shall prevail, and translations into other languages are for reference only. In case of any conflict, the Chinese version shall be the authoritative version.
1. Scope and Priority of the Agreement
1.1 This Agreement applies to all actions related to the subscription and redemption of JuCoin Wealth Management Products on the Platform.
1.2 This Agreement serves as a supplementary agreement to the JuCoin User Agreement. In the event of a conflict, this Agreement shall prevail. Matters not covered herein shall be governed by the User Agreement.
2. Right to Modify the Agreement
2.1 JuCoin reserves the right to unilaterally modify this Agreement, with changes notified to users via platform announcements, internal messages, or email.
2.2 If you continue to use the service, you are deemed to have accepted the modified Agreement. If you disagree, you should immediately stop purchasing products and redeem your assets.
3. Voluntary Participation Statement
3.1 You confirm that your purchase of the JuCoin Wealth Management Products is a voluntary act based on your independent judgment and risk tolerance, and is not influenced by JuCoin or any third party.
4. Risk Warning
You must fully understand and bear the following risks:
4.1 Digital Asset Market Risks
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Digital asset prices are highly volatile due to policies, speculative behavior, and other factors, which may result in principal loss. You assume full responsibility for this risk.
4.2 Regulatory and Policy Risks
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Governments may change digital asset regulations at any time, leading to the suspension or prohibition of transactions. Any losses resulting from such changes shall be borne by you.
4.3 Technical and Cybersecurity Risks
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This includes but is not limited to system failures, network delays, hacking attacks, and other incidents that may cause service interruptions or asset losses. JuCoin is not responsible for such risks.
4.4 Force Majeure Risks
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JuCoin is not liable for service disruptions due to natural disasters, wars, government actions, or other force majeure events.
4.5 Account Security Risks
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Any losses caused by account information leakage, operational errors, or entrusting others to trade on your behalf shall be borne by you.
Special Reminder: The returns of JuCoin Wealth Management Products are subject to market fluctuations, and past performance does not guarantee future results. Please invest cautiously based on your own risk tolerance.
5. Product Rules
5.1 Flexible-Term Wealth Management (Coming Soon)
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Subscription Rules: Available for purchase at any time. Interest accrues from T+1 (UTC), with daily interest distribution starting from T+2.
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Interest Model: Daily compound interest, automatically added to holdings.
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Redemption Rules: Available for withdrawal at any time, funds credited instantly. No interest is accrued on the redemption day.
5.2 Fixed-Term Wealth Management
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Subscription Rules: Supports 7-day, 15-day, 30-day, 60-day, and 90-day terms. Interest accrues from T+1 (UTC), with daily interest distribution starting from T+2.
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Interest Model: “Daily interest payout” (interest credited to spot account).
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Redemption Rules: Auto-redeemed upon maturity, with funds credited the next day. Early redemption is not supported. In extreme cases where a large number of users redeem early, liquidity protection measures may delay fund crediting.
5.3 Interest Calculation
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Flexible-Term: Interest = Holding Amount × Daily APR × Holding Days / 365
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Fixed-Term: Interest = Subscription Amount × Agreed APR × Lock-up Term / 365
6. User Rights and Obligations
6.1 You must complete KYC verification and ensure that your funds are legally sourced.
6.2 You agree not to use this service for money laundering, arbitrage, or any illegal activities.
7. Disclaimer
7.1 JuCoin is not liable for losses resulting from:
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Market fluctuations, policy changes, or other uncontrollable factors;
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User operational errors or account information leakage;
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Judicial or administrative actions requiring account freezing.
8. Notifications and Delivery
8.1 Notifications related to this Agreement will be sent via internal messages, email, or SMS, and will be deemed delivered upon sending.
9. Dispute Resolution
9.1 This Agreement is governed by Singapore law, and disputes shall be resolved through arbitration at the Singapore International Arbitration Centre (SIAC).
10. Other Provisions
10.1 This Agreement is in electronic format and has legal validity.
10.2 If any provision is deemed invalid, the remaining provisions shall remain in effect.
Final Risk Reminder: Digital asset investment involves high risk, and you may lose your entire principal. Please make investment decisions rationally.
JuCoin reserves the right of final interpretation of this Agreement.
Updated on: March 25, 2025