Terms & Conditions.

These HAIDA CAPITAL General Terms and Conditions (the "Terms") apply to the HAIDA CAPITAL platform located at haidacapital.com, its affiliates or partners (collectively, the "Platform" or "HAIDA CAPITAL", "we", "us" and/or "our(s)"), and the products and services specified herein (the "Services").

In these Terms, any user of this Platform — including employees, agents, affiliates, owners, partners or any other related entity — that is or is considering becoming registered, is referred to as "You" or "Your" and/or the "user(s)".

HAIDA CAPITAL reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms at any time. It is Your responsibility to check these Terms periodically. Your continued use of the Platform after changes constitutes acceptance.

As long as You comply with these Terms, HAIDA CAPITAL grants You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Platform.

1. General Definitions

Your Account — a user's account accessible at HAIDA CAPITAL via the Services where You may store Funds. Individual Account — owned by a single person; one account maximum per individual. Corporate Account — owned by a legal entity holding an Account in any non-individual capacity. Affiliate — any legal entity related to HAIDA CAPITAL by ownership or control. Partner — any entity/individual that has entered into a partnership agreement with HAIDA CAPITAL.

2. General Information

Platform Management & Registration

HAIDA CAPITAL is operated by HAIDA CAPITAL, a company duly registered and active in Canada (the "Platform Operator") as a subsidiary of HAIDA INVESTMENTS INC (BN: 106207459, Registry ID: 2019066733). The active legislation of Canada, the European Union, and the United States is applicable to the Platform and any agreements or transactions made through it.

By registering and accepting these Terms, You enter into the full Agreement with the Platform Operator. Only registered users are entitled to use HAIDA CAPITAL products and services. Your unique ID number is the primary identification for Your account.

You may not register or use the Platform if You are a resident of a jurisdiction in which the Platform Operator is not authorized to provide its Services or in which Your use is illegal. You represent and warrant that You are not in a Restricted Jurisdiction and have not been placed on any sanctions list.

Your Personal Data

We process Your personal data in accordance with our Privacy Policy. We may receive Your personal data from You and other sources in accordance with our Privacy and AML policies. By accepting these Terms You consent to processing of Your personal data.

We may grant access to Your KYC data to third parties only as required by applicable law or governmental rulings. We follow Canadian, EU, US and other international personal data protection regulations.

Identification & Security

We identify You according to our internal control system and AML policy. We may, in our sole discretion and at any time, request information about You as an individual or representative, sources of funds, and any documents confirming Your identity and wealth.

You represent and confirm that any and all information provided is true, accurate, up to date, and not misleading. You must update such information by contacting support@haidacapital.com within three (3) days of any change.

Your password is confidential. You agree not to disclose it and to take all necessary precautions to prevent third-party access. If You suspect Your password is compromised, immediately email support@haidacapital.com. We will block Your Account access as soon as possible.

Currencies and Transfer of Funds

Only listed Crypto Currencies and Fiat Currencies are allowed as operational funds. The available list is displayed in Your Account. Changes can be made at any time without prior notice.

You hereby represent and warrant that You own the funds You hold in Your Account or are validly authorized to handle them; all transactions are for Your own account or on behalf of a properly authorized person/entity.

If You have successfully passed KYC/AML, You may add funds by available payment means including bank transfer. Funds are kept in Your Account; no interest accrues unless transferred to a HAIDA CAPITAL product that offers interest.

If our system erroneously credits or debits Your Account, we may correct the error. Statements are available in Your Account at any time.

It is illegal to deposit funds gained by illegal means. Suspicious transactions will be reported to authorities and may lead to freezing of funds and account closure.

You may withdraw Your funds partially or completely at any time. Withdrawals to external wallets/accounts may take up to seven (7) business days depending on the Blockchain and external circumstances.

Your Rights and Obligations

If we detect that information You submitted is false or misleading, we may stop service rendering and/or freeze Your funds. You may be held personally and criminally liable for false information.

HAIDA CAPITAL Rights and Obligations

1. We will use commercially reasonable efforts to keep the Platform operational, accessible, and secure.

2. We bear no obligations for any taxes You may owe as a result of transactions on the Platform.

3. Any additional services we offer are subject to these same Terms unless otherwise agreed in writing.

Amendment & Termination

We may change these Terms at any time without prior notice. By continuing to use the Services You agree to be bound by the most current Terms.

We may restrict Your access or terminate this Agreement and delete Your Account immediately if You: breach these Terms; have provided false or counterfeit information; are suspected of money laundering or terrorism financing.

If You wish to terminate, notify us via support@haidacapital.com at least three business days in advance.

Disclaimer & Limitation of Liability

You agree to indemnify and hold HAIDA CAPITAL harmless from any loss, damage, costs, or expenses arising from Your unauthorized use, breach of these Terms, or external interruptions.

Legal Process Affecting Your Account

If any legal action (attachment, garnishment, levy, or similar) is brought against Your Account, we reserve the right to refuse or limit withdrawals or transfers until the legal process is satisfied or dismissed. We have first-claim right to all Your funds in Your Account at HAIDA CAPITAL.

Other

This Agreement comes into force when You accept it and we accept You as a user by creating Your Account. The Terms are binding until Your Account is deleted and all commitments arising from HAIDA CAPITAL products are fully met. The Terms are drawn up only in English; the English version prevails in case of translation discrepancies.

Section 2 — HAIDA CAPITAL Services

Loan Definitions

Loan — a principal amount of funds, backed by the Borrower with crypto/fiat Collateral, issued by HAIDA CAPITAL to the Borrower and subject to repayment under the applicable Loan Agreement. Instant Loan — a Loan made from funds we hold in deposit from users of the Interest Account.

• Business Funding/Loan — a Loan made to a Corporate Entity on the Platform.
• Borrower — a verified person/legal entity who has entered into a Loan Agreement.
• Lender — HAIDA CAPITAL INC.
• Loan Agreement — a separate agreement between Borrower and Lender on the Platform.
• Loan Amount — the principal value of the Loan made available under a Loan Agreement.
• Loan-To-Value (LTV) — the ratio of the Loan to the value of the Collateral.
• Loan Default — when a Borrower fails to pay back a Loan or breaches the Loan Agreement.

Loan Term

For this Agreement's purposes, a financial year is 360 days and a financial month is 30 days. Your minimum and maximum Loan term limits are available on the Platform after logging in.

Loan Procedures

Following Your verification, if sufficient funds are available, You can sign up for an Instant Loan. Business Loans require a formal application followed by a legally binding contract.

To place a Business Loan offer or request, You will reach out to one of our Directors or Agents. To place an Instant Loan request, You complete the application form on the Platform listing required information: Loan Amount; currency; term; desired Collateral and LTV ratio.

If You choose Instant Loan, the parameters are tailored automatically. We typically confirm Your Instant Loan request automatically; in special cases it may take up to 24 hours.

To be approved for withdrawal, You must provide the necessary collateral.

Loan Collateral

You will be required to confirm collateral, which can be deposited directly to your Platform wallet or verified via our smart contract.

Crypto-currencies may be used as Collateral for Loans issued in Fiat Currencies and Stablecoins/Bitcoin. Fiat Currencies and Stablecoins/Bitcoin may be backed by Crypto-Currencies; Crypto Assets may be backed by other Crypto Assets.

Deposits and Withdrawals

You may request deposits and withdrawals at any time, but operations will be performed at the agreed time. Pending transactions remain in pending status until processed.

Any Liquidation event will require a premium membership and attracts 1.5% of the total loan sum.

WE RESERVE THE RIGHT TO AMEND THE LIST OF PROPOSED SERVICES AND TO PROVIDE OTHER SERVICES. YOU WILL BE NOTIFIED VIA EMAIL AS SOON AS ANY NEW SERVICE APPEARS.