TERMS AND CONDITIONS

Perspectives Global Management specializes in buying and selling assets, including cryptocurrencies and gold. Perspectives Global Management trades assets via a dedicated platform and distributes them to a client base of consumers or legal entities (the “Clients”) through its website.

1/ Definitions
Asset Purchase: For a validated Client Account, this means the following steps:

1. The Client provides the following information:
a. The nature of the Asset to be purchased (provided that this Asset is sold by Perspectives Global Management)
b. The total amount in euros to be paid, including the Commission and Transaction Fees (hereinafter the “Purchase Amount”)
2. Perspectives Global Management provides the estimated amount of the Commission and Transaction Fees.

3. If the account is to be funded by bank transfer, Perspectives Global Management provides the bank details and the exact instructions enabling the Client to make the transfer.

4. Payment by the Client using a valid and named payment method: by bank transfer from a bank account in the Client’s exact name, opened at a bank located within the SEPA zone, and specifying in the transfer description the exact reference of the Transaction to be carried out as provided by Perspectives Global Management; or by cryptocurrency from an account in the Client’s exact name. A Purchase not validated, unpaid, or partially paid by a Client within a certain period will be considered expired and will not be validated by Perspectives Global Management.

5. Validation of the Purchase Amount payment by Perspectives Global Management and its banking partner in the case of a bank transfer, or by its partner operating the cryptocurrency payment service. In the case of cryptocurrency payment on the Website, the payment is considered valid once confirmation of the transaction is obtained. Perspectives Global Management cannot be held liable for the refusal of a Client’s payment by its banking partners or payment providers, or in the event of a Technical Failure. In the event of a payment refusal by Perspectives Global Management’s bank or payment provider after validation and payment by the latter, the amount will be returned by the bank or payment provider within the timeframe stipulated in their own terms and conditions, which may be up to 30 business days; Perspectives Global Management cannot be held liable for this.
Under no circumstances can Perspectives Global Management guarantee the price at which the purchase of the asset will be executed.
Perspectives Global Management reserves the right to cancel a purchase made by bank transfer if the Client’s transfer to the Perspectives Global Management account does not strictly adhere to the process detailed above, particularly if a valid transaction reference is not included or if the transfer is for an incorrect amount. The Client will then be reimbursed by bank transfer within a maximum of 20 business days, without any possibility of compensation. Perspectives Global Management reserves the right to modify, at any time and without prior notice, the list of Assets it offers for Purchase to its Clients. Perspectives Global Management also reserves the right to modify, at any time and without prior notice, the minimum or maximum value in euros of the Purchase Amount for a given Asset offered to its Clients. Perspectives Global Management cannot be held liable for the non-execution of an Asset Purchase and its consequences resulting from a Force Majeure event, a Purchase validated by the Client after the Expiration Date, a Technical Failure, its inability to determine a Price for the Asset in question for technical reasons beyond its control, a decision by its banking partners or payment providers, or an error attributable to the Client.

Contract: the contract for the sale, purchase, or conversion of a given quantity of Assets concluded between Perspectives Global Management and the Client with a validated Client Account for the Transaction in question.

Purchase Amount Settlement: The process by which, at a given time, Perspectives Global Management purchases, for its own account, a specific quantity of assets corresponding to a purchase at the current market price of that asset, for an amount in euros equal to the purchase amount less the commission and any management fees.
Sale Settlement: The process by which, at a given time, Perspectives Global Management sells, for its own account, a specific quantity of assets received corresponding to a sale at the current market price of that asset, for a fee in euros. The amount paid to the client for the sale then corresponds to the amount of the sale made for its own account by Perspectives Global Management, less the commission and any management fees.

Asset Price or Price: The equivalent value in euros or in a given asset of one unit of that asset, as determined by Perspectives Global Management, at least once every three hundred seconds (except in the event of Technical Failure or Force Majeure), by aggregating the various equivalent values ​​in euros observed on reputable trading platforms for the asset, selected by Perspectives Global Management.

Asset: The investment unit chosen by the Client for purchase, sale, or exchange.

Terms and Conditions: refers to these general terms and conditions of purchase and sale applicable to all Perspectives Global Management Clients.
Client: A consumer, as defined below, is a natural person aged 18 or over who is legally capable of exercising and enjoying their rights and who registers to access the service offered by Perspectives Global Management on its Website.
Commission: The amount in euros charged by Perspectives Global Management for a Transaction as compensation for the service provided.

Client Account: A unique, named account allowing access to Perspectives Global Management’s services on its Website. A Client Account identifier is an email address and an associated password. A Consumer Client or legal entity may only have one individual or legal entity Client Account, respectively. The Client is solely responsible for their login credentials and the security of their access to their Client Account. Perspectives Global Management cannot be held liable in the event of fraudulent access to a Client Account.

Validated Customer Account: A Customer Account is validated when the Customer receives an email from Perspectives Global Management informing them of its validation. Perspectives Global Management, through its Compliance and Risk Department, makes the sole decision regarding the validation of a Customer Account based on the Customer’s KYC (Know Your Customer) information and the information provided by the Customer. Only a Customer with a validated Customer Account may carry out a Transaction. The Compliance and Risk Department reserves the right to block a Customer Account at any time, preventing it from carrying out any further Transactions, for reasons related to the Customer’s KYC, non-compliance with these Terms and Conditions, due to behavior attributable to the Customer (insults, threats, etc.), or if the Customer fails to provide a valid response within 5 business days to requests for supporting documentation regarding a Transaction or their KYC. Perspectives Global Management cannot be held liable for any consequences whatsoever related to the blocking of a Customer Account.

Technical Failure: Any of the following resulting from an event beyond the control of Perspectives Global Management or Force Majeure: unavailability of telephone or internet access by Perspectives Global Management.
Hackers: Any person who fraudulently gains access to a computer system (computer hacker) and commits acts punishable by law.
IBAN: International Bank Account Number.
KYC: A term used in the context of anti-money laundering and counter-terrorist financing procedures, referring to the due diligence required to identify a client (Know Your Customer). This procedure includes querying a Dow Jones “Risk & Compliance” database.

AML/CFT or AML/CFT: refers to the fight against money laundering and terrorist financing as defined by the French Monetary and Financial Code, and involves the implementation and application of a procedure for evaluating client transactions based on a risk map that defines the level of risk associated with a specific transaction and the nature of the due diligence required to comply with applicable regulations.
Party: refers to the Client and Perspectives Global Management, jointly or separately depending on the context.
Personnel: any employee, contractor, service provider, intern, agent, or person designated as such, employed by Perspectives Global Management, its subsidiaries, or its parent company.
Wallet: a computer application enabling the storage, receipt, and sending of cryptocurrencies, the security of which is guaranteed by the use of cryptographic processes based on private and public key mechanisms.
Client Questionnaire: a questionnaire prepared by the Compliance and Risk Department for KYC (Know Your Customer) purposes and sent to the Client. Perspectives Global Management reserves the right to refuse a TRANSACTION to a Client, without compensation, in the event of no response, a partial response, or an unsatisfactory response to a Client Questionnaire within 72 hours of its submission to the Client.
Transaction: means the Purchase, Sale, or Conversion of an Asset by a Client.
Asset Sale or Sale: for a validated Client Account, means the steps in the following process:
1. Communication by the Client of the following information:
a. Nature of the Asset to be sold (it being understood that this Asset is to be purchased by Perspectives Global Management),
b. Quantity of the Asset to be sold (hereinafter the “Sale Amount”).

2. Perspectives Global Management will inform the Client of the estimated net value in euros of the Sale Amount, less any Commission and Management Fees.

3. The Client will verify the information below and transfer the exact quantity of the Asset communicated by Perspectives Global Management at their own risk.

Under no circumstances can Perspectives Global Management guarantee the Price at which the Sale of the Asset will be executed. Perspectives Global Management reserves the right to modify, at any time and without prior notice, the minimum and maximum value in euros or quantity of the Asset or the Sale Amount for any given Asset offered to its Clients. Perspectives Global Management also reserves the right to modify, at any time and without prior notice, the list of Assets it offers for Sale to its Clients. Perspectives Global Management cannot be held responsible for the non-completion of a Sale of an Asset and its consequences resulting from a case of Force Majeure, a Sale validated by the Client after the Expiration Period, a Technical Failure, its inability to determine a Price of the Asset concerned for technical reasons which are not attributable to it, a decision of its banking partners or an error attributable to the Client, in particular concerning its bank details and their conformity to the conditions set out above.

2/ General Provisions
These General Terms and Conditions of Sale govern the Purchase, Sale, and Conversion of Assets by Perspectives Global Management solely on the Website with any Client. They constitute the only contractual documents binding on the Parties, to the exclusion of all other documents, prospectuses, catalogs, or photographs of the Assets, which are for illustrative purposes only and are not contractually binding. These General Terms and Conditions of Sale are applicable worldwide. The Clients’ general terms and conditions of purchase or sale shall in no way replace or supersede these General Terms and Conditions of Sale and shall not be binding on Perspectives Global Management, notwithstanding any provision to the contrary. Assets are sold or purchased from Clients by Perspectives Global Management at a price set by Perspectives Global Management and expressed in euros (€).

3/ Application of the General Terms and Conditions of Sale – Enforceability
These General Terms and Conditions of Sale are available to the Client on the Website. They can also be communicated to Clients via email upon request. The General Terms and Conditions are binding on Clients who acknowledge, by validating them using the designated technical means, having read and accepted them prior to any Transaction. Confirmation of a Transaction by the Client automatically implies their acceptance of the General Terms and Conditions in effect on the date of the Transaction. Perspectives Global Management ensures the storage and reproduction of Transaction details and the availability of the General Terms and Conditions on the Website.

4/ Rules Applicable to Asset Transactions
4.1. Provisions Applicable to Transactions Carried Out via the Website
All Asset Transactions entered into with Perspectives Global Management by a Client remotely must be submitted in writing on a durable medium: the Website. Access to the Website is free. The Transaction is carried out directly on the Perspectives Global Management Website. However, to be valid and completed, a Transaction must be made from a validated and unblocked Client Account. Communication between a Website Client and Perspectives Global Management can be conducted by telephone, email, or via the support system used by Perspectives Global Management. However, Client Accounts can only be created on the Website. Perspectives Global Management reserves the right to refuse access to its Website and consequently any Transaction to a Client in the event of non-compliance with the Terms and Conditions, fraud attributable to the Client, the Client providing an IBAN not in their name, the Client providing a cryptocurrency account not in their name, aggressive or unlawful behavior, or threats made by a Client during their communications with Perspectives Global Management. Perspectives Global Management then reserves the right, without prior notice and without any possibility of compensation, to permanently block the Client’s Account in question. More generally, Perspectives Global Management reserves the right to close access to Transactions via its Website in the event of Force Majeure, Technical Failure, or any endangerment or threats to its Personnel or technical resources of any kind.

4.2. Opening a Client Account
A Client Account is strictly personal and is created for the Client’s sole use. Sharing login credentials will result in the permanent closure of the Customer Account. The minimum documents and information required when requesting the creation of a Customer Account must be perfectly legible and complete:

Type of Customer Account: Consumer or legal entity;

Name and surname for a Consumer; legal entity’s identity, SIREN number, business activity, and name and surname of the legal representative;
Gender of the Consumer or the legal representative of the legal entity;
Nationality of the Consumer or country of registration of the legal entity;
Date of birth (of the Consumer or the legal representative of the legal entity);
Valid email address;
Address, postal code, city, and country of primary residence or registered office if a legal entity;
Valid mobile phone number;
A valid identity document in the name of the Client (or the representative of the legal entity) in .jpg or .png format:
French national identity card (front and back),
French passport,
French residence permit,
international passport. For a Corporate Client Account, additional supporting documents are required: Kbis extract less than 3 months old, Articles of Association, list of beneficial owners, IBAN. A Client may open both a Consumer Client Account and a Corporate Client Account, provided they have two different login email addresses and use separate payment methods for each Client Account.

4.3. Modification of a Transaction
Once completed by Perspectives Global Management, a Transaction cannot be modified; it is irreversible.

4.4. No Right of Withdrawal
No right of withdrawal: a Transaction does not give rise to a right of withdrawal for the Client, as it concerns the “supply of goods or services whose price depends on fluctuations in the financial market beyond the control of the professional that may occur during the withdrawal period.”

5/ Language of the Terms and Conditions
These Terms and Conditions may be translated into English to facilitate their understanding by Clients. Notwithstanding this translation, it is expressly agreed between the parties that in the event of a dispute, only the French version of these Terms and Conditions shall be valid between the parties.

6/ Modification of the General Terms and Conditions
Perspectives Global Management reserves the right to modify its General Terms and Conditions at any time without prior notice. In the event of a modification to the General Terms and Conditions, the General Terms and Conditions applicable to the Client are those in effect on the date of the Transaction. The Client is advised to print the General Terms and Conditions in effect on the date of the Transaction, notwithstanding the archiving rules implemented by Perspectives Global Management.

7/ Invalidity of a clause of the General Terms and Conditions
The invalidity of a particular contractual clause does not render the General Terms and Conditions invalid. However, the invalidity of a clause renders the General Terms and Conditions invalid if the Client has indicated in writing, prior to accepting the General Terms and Conditions, that this particular clause is decisive in their commitment.

8/ Risk Factors
Under current French regulations, Perspectives Global Management draws Clients’ attention to the following risks related to the acquisition and sale of Assets:

Perspectives Global Management cannot guarantee either the legal classification or the price of Assets;

More generally, an Asset cannot be considered a financial instrument.

Risk Warning:
Asset prices are extremely volatile and their fluctuations unpredictable. Asset prices can rise and fall very rapidly. Executing a Transaction involves a high degree of risk, including the risk of losing the entire value associated with the Purchase or Conversion of Assets. Purchasing Assets may not be suitable for all types of Clients. Any Transaction must be carried out by a Client based on their own assessment of the risks involved in an Asset Transaction and their understanding of the underlying technologies. In this respect, Perspectives Global Management reserves the right to refuse a Transaction to a Client if the Client’s understanding of the principles of these Transactions and the associated technologies is deemed insufficient by Perspectives Global Management, or if the Client’s behavior is considered unreasonable due to the amounts involved in these Transactions or the Client’s KYC (Know Your Customer) requirements. The value of an Asset, expressed in legal tender, is listed on unregulated exchange platforms that provide no financial, liquidity, technical, or other guarantees. Consequently, the Client assumes the risk of failure, including technical failure, of the exchange platform, which may not deliver the acquired Assets. A technical risk may occur on the exchange platform and lead to the unavailability or even disappearance of the Assets, or the inability to clear a Purchase or Sale. Technical failures, asset liquidity risk, and technical risks associated with exchange platforms may result in transaction processing delays that could prevent clients from completing their transactions by a specific date for a predetermined amount. Assets may be subject to hacking attempts, the consequences of which are not guaranteed by Perspectives Global Management. Perspectives Global Management cannot be held liable for breaches of confidentiality or technical limitations caused by the IT systems used by clients to safeguard their assets.

9/ No Advice from Perspectives Global Management

Perspectives Global Management cannot be considered in any way as acting on behalf of or for the account of the Client in connection with its Asset Transactions and cannot be considered as endorsing in any way the merits of the Client’s Transactions.

10/ Prices and Commissions
10.1 Asset Price Information
The prices of the Assets that may be the subject of a Transaction by Perspectives Global Management are indicated on the Perspectives Global Management Website. Except for the Client’s subscription to a specific option that only Perspectives Global Management can offer, Perspectives Global Management cannot guarantee the Price of the Asset at which a corresponding Transaction is executed.

10.2 Commission Calculation
The detailed calculation of the Commission is available on the Website. Except for a specific option chosen by the Client that only Perspectives Global Management can offer, the Commission is determined on an indicative basis once the Client indicates the amount in euros or the quantity of Assets for the Transaction to be executed. It is set as follows:
In the case of a Purchase, the final Commission amount is determined at the time of Settlement of the Purchase Amount.
In the case of a Sale, the final Commission amount is determined at the time of Settlement of the Sale.
In the case of an Asset Conversion, the final amount is determined by converting into euros at the Asset’s Market Price.
The Commission on a Transaction for a given Client may take into account the history of Transactions carried out by that same client with Perspectives Global Management in the last 12 months, as well as offers proposed by Perspectives Global Management. The Commission may also include fixed fees, a minimum amount to be collected, and additional Management Fees indicated by Perspectives Global Management at the time of the Transaction.

10.3 No VAT on Commissions
The purchase or sale of Assets is not subject to VAT.

11/ Asset Offer
11.1 Recipient of Services Offered by Perspectives Global Management
Transaction offers from Perspectives Global Management are intended for Perspectives Global Management Clients as defined in the General Terms and Conditions.

11.2 Offer Duration
Transactions offered by Perspectives Global Management to its Clients are valid while supplies last.

12/ Contract
12.1 Conclusion
The Contract related to a Transaction on a given Asset is concluded between the Client with a validated Client Account and Perspectives Global Management (i) when the Client has made payment in euros to Perspectives Global Management for an Asset Purchase or (ii) when the Client delivers to the Portfolio held by Perspectives Global Management the planned quantity of Assets corresponding to the Sale Amount in the case of an Asset Sale or the Conversion in the case of an Asset Conversion.

12.2 Evidence
Communications and Transactions are archived on a reliable and durable medium. These communications and Transactions are retained as evidence of the Contract by Perspectives Global Management. Generally, any electronic document of Perspectives Global Management constitutes proof between the Parties.

13/ Termination of the Contract
13.1 By the Client:
The Contract may be terminated automatically by the Client if Perspectives Global Management fails to meet the Delivery deadline for a Transaction. 13.2 By Perspectives Global Management:
The Contract may be terminated automatically by Perspectives Global Management in the event of, in particular:

Legitimate suspicion by Perspectives Global Management regarding the Client’s true identity or payment method;

Use of a payment method by the Client that is not in their name, is defective, or is the subject of theft or fraud;

Expiry of the Time Limit associated with a Transaction;

Non-payment of the Purchase Amount by the Client;

14/ Payment Terms
Payment is made as stipulated in these General Terms and Conditions. Perspectives Global Management reserves the right, at any time and without prior notice, to modify the payment methods accepted on its Website, and in particular the type and issuing country of the bank cards authorized for a Transaction.

15/ Transaction Limits
Perspectives Global Management may, at its discretion and without prior notice, place daily, weekly, or monthly limits on Transactions. For more information on applicable limits and any increases or decreases, the Client can contact Perspectives Global Management customer service by email at the following address: support@perspectives-global-management.com

16/ Combating Credit Card and Other Payment Fraud
Perspectives Global Management reserves the right to verify the personal data provided by the Client and to take any measures deemed necessary to verify the identity of the Consumer or the legal entity whose bank account is debited. This verification may take the form, in addition to verifying the Client’s identity and/or address, of requesting all banking documents, such as an IBAN, prior to validating the Transaction.
All Transactions paid by credit card on the Perspectives Global Management website must be secured by the “3D Secure” system, which provides online security.

17/ Liability and Limitation of Liability
Perspectives Global Management shall not be liable to the Client for any failure to perform or improper performance of the Contract due to the Client, fraud or error attributable to the Client, the occurrence of a Force Majeure event, technical failure, inability of Perspectives Global Management to determine the Asset Price, or failure, interruption, hacking, or inaccessibility of the Asset trading platforms used by Perspectives Global Management for Transaction Clearing. The Client is duly advised of the risks surrounding the Purchase, Conversion, or Sale of Assets. In this context, Perspectives Global Management shall not be liable for:

a failure of the Client’s payment method and/or payment system attributable to the Client and/or the payment provider used by Perspectives Global Management;

the continuity and reliability of the decentralized IT systems governing the Assets;

The stability of the Asset Prices, due to their high volatility;

the Client’s negligence or imprudence in the event of disclosure of a private key, the SEED of their portfolio, or access rights to their Portfolio;
the failure of the Client’s information system;
the reimbursement of Assets or their value in any other legal tender, in the event of loss of Assets, for any reason whatsoever, including, but not limited to, the hacking of the Client’s personal data by any means whatsoever, technical malfunctions of an Asset’s network for any reason whatsoever, loss of the computer media containing the Assets, such as hard drives, tablets, smartphones, burglary, theft, extortion, violence, blackmail, fraud, handling errors, or any other criminal offenses that may have resulted in the loss of Assets. Furthermore, Perspectives Global Management cannot be held liable for:

the time it takes to return funds to Clients’ bank accounts in the event of a Transaction refusal,
the time it takes to receive bank transfers,

the loss of Assets in any way whatsoever after their Delivery to the Client’s specified public address. Perspectives Global Management does not hold its Clients’ Assets; they remain its sole responsibility for both their use and storage. Perspectives Global Management cannot be held liable for the loss, theft, or unlawful use of Assets purchased through its services.

Conversely, Perspectives Global Management is covered by the Luxembourg Deposit Guarantee Fund (FGDL).
Perspectives Global Management cannot guarantee the price of Assets within the framework of a Transaction unless the Client subscribes to a specific option. Perspectives Global Management cannot be held liable for the consequences if the Client sends a different amount of Assets than that requested by the exchange platform when executing a Transaction. In this case, Perspectives Global Management cannot guarantee the completion of the Transaction. Perspectives Global Management may offer a refund of the Assets (cancellation of the Transaction) or a correction of the Transaction to a price corresponding to a later date, and in doing so, charge the Client Management Fees. For Buy or Sell transactions with a “guaranteed price,” as offered by Perspectives Global Management to its Clients, Perspectives Global Management commits to guaranteeing the Price of the Asset being bought or sold at the time the Buy or Sell is confirmed, regardless of market fluctuations.

18/ Termination Clause
The termination of the Transaction by Perspectives Global Management in the event of a breach by the Client of any of its obligations under these General Terms and Conditions will be effected by the Client’s receipt of an email from Perspectives Global Management to the Client Account address and will be automatic without any further formality, including legal proceedings.

19/ Intellectual Property and Trademarks
The Perspectives Global Management website and the elements reproduced on the Perspectives Global Management website, including but not limited to photographs, visuals, texts, works, illustrations, drawings, logos, and images, are and remain the exclusive property of Perspectives Global Management and are protected by copyright, trademark, and/or patent law. Any use, reproduction, and/or distribution of these elements without the prior written authorization of Perspectives Global Management may result in legal action.

20/ Personal Data
The collection of personal data, its use for processing Transactions and creating customer files, and its disclosure to third parties responsible for executing and paying for Transactions, is subject to the Client’s consent. The Client has the right to access, modify, and correct their personal data at any time, which they can exercise by sending an email to our administrative department: contact@perspectives-global-management.com.

21/ Right to be forgotten
Any request for the right to be forgotten made by a Client (or by any person who initiated a Client Account opening procedure on the Perspectives Global Management website but did not complete said procedure for any reason whatsoever) seeking the deletion of all information concerning them will be analyzed on a case-by-case basis by Perspectives Global Management, which reserves the right not to grant the request unless the information collected by Perspectives Global Management relates to sexual orientation, political, religious, or philosophical opinions, or contains information relating to offenses, criminal convictions, or security measures concerning these individuals.

22/ Jurisdiction
In the absence of an amicable settlement, and for any dispute relating to these Terms and Conditions, the competent court will be that of the defendant’s domicile or that of the place of actual delivery of the Assets. These provisions do not apply to corporate Clients.

23/ Customer Service
For any information or questions, Perspectives Global Management’s customer service and support can be reached by email at: support@perspectives-global-management.com.

24/ Photographs
All photographs on the Website, particularly those illustrating products, are for illustrative purposes only and are not contractually binding.

25/ No Waiver
The failure of Perspectives Global Management to enforce any provision of these Terms and Conditions at any time shall not be construed as a waiver by Perspectives Global Management of its right to enforce such provision at a later date, nor shall it be considered a modification of these Terms and Conditions.

Société sous la forme juridique de société à responsabilité limitée, dûment enregistrée et réglementée selon les normes financières en vigueur au Luxembourg

Perspectives Management

• Siège social : 111, route d’Arlon, 8009, Strassen, Luxembourg

HORAIRES D’OUVERTURES

Du Lundi au Vendredi de 8h à 12h
Du Lundi au Jeudi de 14h à 19h