1. Application and acceptance

These product-specific terms apply only if Ohana Capital AG separately offers a Liquidity Advance to an eligible account and the client accepts that offer in writing or through a dedicated acceptance flow.

Publication of these terms does not mean that a Liquidity Advance is currently available, approved, or included with any account tier. The written offer identifies the amount, conditions, and any additional terms that apply.

2. Definitions

2.1 Liquidity Advance

A Liquidity Advance is an amount conditionally allocated to an account under a written offer. It is not a deposit by the client, a guaranteed profit, or an unconditional cash entitlement.

2.2 Outstanding Advance Balance

The Outstanding Advance Balance is the portion of the Liquidity Advance that has not been settled through a method expressly stated in the written offer or confirmed by the Company.

2.3 Available and restricted funds

Available funds are amounts the platform currently permits to be used or withdrawn. Restricted funds include an advance, reserved amounts, unsettled transactions, and other obligations that cannot currently be withdrawn.

3. Offer and account records

The applicable written offer should identify:

• The advance amount and acceptance date
• The initial Outstanding Advance Balance
• Any qualifying settlement method
• Any disclosed fee or charge
• Withdrawal and transfer restrictions
• Expiry, review, recall, or termination conditions

Platform and Company records are used to track the advance and settlement events, subject to correction of clear technical or clerical errors.

4. Withdrawal restrictions

While an Outstanding Advance Balance remains:

• The advance itself cannot be withdrawn
• A withdrawal or transfer may be limited or declined
• Available balance may differ from total displayed account equity
• Open positions, reserved funds, unsettled activity, and other obligations may further reduce availability
• Additional verification may be required before a withdrawal is processed

No restriction should be interpreted as transferring ownership of independently deposited client funds beyond the accepted advance conditions and other applicable account obligations.

5. Settlement

The Outstanding Advance Balance may be reduced only through a method stated in the written offer or subsequently confirmed by the Company. Depending on that offer, a method may include:

• Direct repayment
• Application of an agreed portion of realized account results
• Offset during account settlement or closure
• Another documented settlement arrangement

Unrealized gains do not settle an advance unless the written offer expressly states otherwise. The Company should confirm when the Outstanding Advance Balance reaches zero.

6. Account obligations

During an active advance, the client must:

• Keep account and verification information current
• Follow the Terms of Service and platform risk controls
• Avoid attempts to transfer, withdraw, conceal, or misuse restricted amounts
• Review advance balance and account notifications
• Promptly raise a suspected balance or settlement error

Trading remains subject to the Risk Disclosure. An advance increases available exposure and can increase the speed or amount of loss.

7. Fees and costs

A fee or service charge applies only if it is disclosed in the written offer or accepted product confirmation. The offer should explain the amount or calculation method and how the cost is deducted.

These terms do not create an undisclosed administrative, withdrawal, or settlement fee.

8. Restriction, recall, and termination

Subject to the written offer and applicable law, the Company may restrict further use of an advance or require review where:

• Account information is incomplete, inaccurate, or no longer current
• Security, fraud, sanctions, or financial-crime concerns arise
• The client materially breaches the offer or platform terms
• Continued availability is prevented by law or a provider restriction
• The account is being closed or settled

Any remaining balance and available settlement method should be communicated through the account or support process.

9. Changes

Changes to these public terms receive a new version and effective date. A material change to an already accepted advance does not apply solely because the public page changed; the applicable offer, consent, and mandatory law determine whether renewed acceptance is required.

10. Applicable terms and dispute rights

The written offer or account agreement may identify jurisdiction-specific governing law, venue, or dispute procedures. Mandatory rights under applicable law remain unaffected.

These public terms do not impose an arbitration forum or exclusive venue that has not been separately agreed.