These Terms and Conditions were last modified November 2017.

The LVM Ltd. is pleased to provide you with information, content, tools, products and services on the LVM Ltd. website . These Terms and Conditions also include important disclosures and information related to certain products and services. Your use of LVM Ltd. website is subject to these Terms and Conditions.

These Terms and Conditions are a binding agreement between you and LVM Ltd. Your access to and use of this website constitutes your acceptance of these Terms and Conditions and any other legal notices and statements contained on this website. Your use of LVM Ltd. website is governed by the version of the Terms and Conditions in effect on the date each LVM Ltd. website is accessed by you. LVM Ltd. may modify these Terms and Conditions at any time and without prior notice. You should review the most current version these Terms and Conditions by visiting an LVM Ltd. Site and clicking on the Terms and Conditions hyperlink located at the bottom of the page. Your continued access to and use of this website constitutes your acceptance of these Terms and Conditions as modified. The only notice of changes or modification to these Terms and Conditions will be by LVM Ltd. publishing revised Terms and Conditions on this website; LVM Ltd. will not separately notify you of any changes or modifications.

These Terms and Conditions are in addition to any other agreements between you and LVM Ltd., including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the LVM Ltd. website.

USE OF LVM Ltd. SITES


The LVM Ltd. Sites are intended only for your personal, non-commercial use, unless you and LVM Ltd. have agreed otherwise in writing.

DISTRIBUTION AND RESPONSIBILITY OF VISITORS


The information on this website is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. None of the services or investments referred to in LVM Ltd. Sites are available to persons residing in any country where the provision of such services or investments would be contrary to local law or regulation.

It is the responsibility of visitors to this website to ascertain the terms of and comply with any local law or regulation to which they are subject. Nothing on the LVM Ltd. Sites shall be considered a solicitation to buy or an offer to sell any product or service to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

LIMITATIONS ON INVESTMENT GUIDANCE AND PROFESSIONAL ADVICE


The LVM Ltd. Sites are not intended to provide legal, tax or investment advice. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

INTELLECTUAL PROPERTY


The LVM Ltd. Sites are protected by applicable intellectual property laws. Except as expressly stated herein, you may not without LVM Ltd.'s prior written permission alter, modify, reproduce, distribute or commercially exploit any materials, including text, graphics, video, audio, software code, user interface design or logos, from this or any LVM Ltd. Site.

If you link from another website to an LVM Ltd. Site, your website, as well as the link itself, may not, without LVM Ltd.'s prior written permission, suggest that LVM Ltd. endorses, sponsors or is affiliated with any non- LVM Ltd. website, entity, service or product, and may not make use of any LVM Ltd. trademarks or service marks other than those contained within the text of the link.

The LVM Ltd. Sites, excluding third party content, are original works of authorship published by LVM Ltd. LVM Ltd. has the exclusive rights to reproduce, display, prepare derivative works or distribute. The names, logos, trademarks, copyright and all other intellectual property rights in all of the material and software on this website are owned by LVM Ltd. or its licensors. All third-party owned materials contained on the website are reproduced with the permission of the respective owners.

VOID WHERE PROHIBITED


Although the LVM Ltd. Sites including the products and services are accessible worldwide, not all features, products or services discussed, referenced, provided or offered through or on the Site are available to all persons or in all jurisdictions, or appropriate or available for use in certain jurisdictions. LVM Ltd. reserves the right to limit, in its sole discretion, the products and services it makes available, the provision and the quantity to any person.

PAYMENTS AND REFUND POLICY


All sales of products are final. Fees paid for products and services are non-refundable. Prices for products offered via the Merchant Solutions may change at any time, and the Merchant Solutions does not provide price protection or refunds in the event of a price reduction or promotional offering.

If a product becomes unavailable following a transaction but prior to download, your sole remedy is a refund. If technical problems prevent or unreasonably delay delivery of your product, your exclusive and sole remedy is either replacement or refund of the price paid, as determined by LVM Ltd.

CONTENT AVAILIBILITY


LVM Ltd. reserves the right to change content, products and services, (including eligibility for particular features, products and/or services) without notice.

THIRD PARTY CONTENT AND RESEARCH


The LVM Ltd. Sites may include general news and information, commentary, interactive tools, quotes, research reports and data concerning the foreign exchange markets, other financial markets and other subjects.

Some of this content may be supplied by companies that are not affiliated with any LVM Ltd. Entity ("Third Party Content"). The source of all Third Party Content is clearly and prominently identified on LVM Ltd. Sites.

Third Party Content may be available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by applicable intellectual property laws and international treaties and is owned by or licensed from the Third Party Content provider(s) credited.

LVM Ltd. does not explicitly or implicitly endorse or approve such Third Party Content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor should their content be construed as legal, tax or investment advice.

While LVM Ltd. makes every attempt to provide accurate and timely information to serve the needs of users, neither LVM Ltd. nor Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and LVM Ltd. and Third Party Content providers specifically disclaim any liability for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ACCURACY OF INFORMATION


While LVM Ltd. has made every effort to ensure the accuracy of the information on this website, the information and content on the website is subject to change without notice and is provided for the sole purpose of assisting traders to make independent investment decisions. LVM Ltd. has taken reasonable measures to ensure the accuracy of the information on the Web site. However, LVM Ltd. does not guarantee its accuracy, and will not accept liability for any loss or damage that may arise directly or indirectly from the content or your inability to access the Web site, for any delay in or failure of the transmission or the receipt of any instruction or notifications sent through this Web site.

All content on the LVM Ltd. Sites is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

PROHIBITED USES


Because all servers have limited capacity and are used by many people, do not use LVM Ltd. Sites in any manner that could damage or overburden any LVM Ltd. server, or any network connected to any LVM Ltd. server. Do not use LVM Ltd. Sites in any manner that would interfere with any other party's use of the LVM Ltd. Sites.

USE OF LINKS


The LVM Ltd. website may contain links to websites operated by other parties. LVM Ltd. does not control the content or accuracy of information on such websites and does not otherwise endorse the material placed on such sites. The links are provided for your reference only and LVM Ltd. excludes all liability and responsibility for the content or operation of these third party websites.

EXCLUSION OF WARRANTIES


LVM Ltd. DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE LVM Ltd. SITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON- INFRINGEMENT. THE LVM Ltd. SITES ARE MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND LVM Ltd. DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.

LVM Ltd. DOES NOT WARRANT THAT THE LVM Ltd. SITES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. LVM Ltd. ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE LVM Ltd. SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE LVM Ltd. SITES WILL MEET YOUR EXPECTATIONS.

DISCLAIMER AND LIMITATION OF LIABILITY


TO THE MAXIMUM EXTENT PERMITTED BY LAW, LVM Ltd. WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE LVM Ltd. SITES AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF LVM Ltd. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

EXCEPT AS OTHERWISE REQUIRED BY LAW, LVM Ltd. WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH LVM Ltd. DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.

IF YOU LIVE IN A STATE, COUNTRY OR JURISDICTION THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

INDEMNIFICATION


As a condition of your use of the LVM Ltd. Sites, you agree to indemnify and hold LVM Ltd. and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the LVM Ltd. Sites, or from your violation of these Terms.

CONFIDENTIALITY


It is your obligation to keep LVM Ltd. accounts numbers and passwords confidential. You acknowledge and agree that any instruction or communication transmitted to you or on your behalf via any LVM Ltd. Site is made at your own risk. You authorize LVM Ltd. to rely and act on, and treat as fully authorized and binding upon you, any instruction given to LVM Ltd. that LVM Ltd. believes to have been given by you or on your behalf by any agent or intermediary whom LVM Ltd. believe in good faith to have been duly authorized by you. You acknowledge and agree that LVM Ltd. shall be entitled to rely upon your account number and/or password to identify you and agree you will not disclose this information to anyone not duly authorized by you.

TERMINATION


LVM Ltd. reserves the right to terminate your usage of the LVM Ltd. Sites at any time, for any reason, with or without cause and without prior notice.

SEVERABILITY


If for any reason any provision of these Terms and Conditions is deemed invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

GOVERNING LAW AND JURISDICTION


Unless otherwise agreed, these Terms and Conditions and their enforcement are governed by the laws of Republic of St. Vincent, without regard to principles of conflicts of law, and shall inure to the benefit of LVM Ltd.'s successors and assigns, whether by merger, consolidation, or otherwise. This is the case regardless of whether you reside or transact business with LVM Ltd. in Republic of St. Vincent or elsewhere. Unless a dispute would be governed by an applicable arbitration clause, you irrevocably agree to submit to the jurisdiction of the federal and state courts located within the Republic of St. Vincent and hereby waive any objection to the convenience or propriety of venue therein. Provided however, that nothing herein shall prevent LVM Ltd. from bringing any action in the courts of any other jurisdiction.

LVM Ltd. SOFTWARE END USER LICENSE AGREEMENT

LVM Ltd. AND EACH OF ITS AFFILIATES AND SUBSIDIARIES (COLLECTIVELY, "LVMarkets") IS WILLING TO LICENSE THE SOFTWARE (defined below) TO YOU ONLY UPON THE CONDITION THAT YOU ACCEPT ALL OF THE TERMS CONTAINED IN THIS END USER LICENSE AGREEMENT ("EULA"). THIS EULA IS A LEGAL AGREEMENT BETWEEN YOU AND LVM Ltd. READ IT CAREFULLY BEFORE COMPLETING THE INSTALLATION PROCESS AND/OR USING THE SOFTWARE. BY USING THE SOFTWARE YOU ACKNOWLEDGE THAT YOU HAVE READ THE TERMS OF THE EULA AND AGREE TO THEM. IF YOU ARE AGREEING TO THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL

ENTITY, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND THE LEGAL ENTITY TO THESE TERMS. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT WISH TO BE BOUND BY THE TERMS, THEN YOU CANNOT USE THE SOFTWARE IDENTIFIED BELOW OR ANY OTHER MEDIA ON WHICH THE SOFTWARE IS CONTAINED.