Refund Policy

This Refund and Withdrawal Policy ("Policy") applies to all clients ("Client" or "you") of GXM Trading, a trading name operated by KW Investments Limited, a company authorized and regulated by the Seychelles Financial Services Authority (FSA) under license number SD020.

This Policy governs the procedures, conditions, and timeframes applicable to all withdrawal requests and refund claims arising from the use of services provided through gxmtrading.com. By opening an account with GXM Trading, you acknowledge that you have read, understood, and agreed to be bound by the terms set out in this Policy.

In the event of any conflict between this Policy and the Client Service Agreement, the terms of the Client Service Agreement shall prevail unless otherwise stated herein.

To initiate a withdrawal, the Client must submit a formal withdrawal request through one of the following channels:

• The withdrawal section within the Client's secure account dashboard on gxmtrading.com.
• A written request submitted via email to support@gxmtrading.com, including full account details and the desired withdrawal amount.

Each withdrawal request must specify the amount to be withdrawn and the preferred payment method. The minimum withdrawal amount is $50. Requests below this threshold will not be processed and the Client will be notified accordingly.

GXM Trading reserves the right to set periodic limits on the maximum withdrawal amount per transaction or per day, as determined by applicable regulatory requirements and internal risk management procedures.

Withdrawal requests are processed in the order in which they are received. The Company will begin processing the request only after confirming that all applicable conditions, including identity verification and account compliance, have been satisfied.

GXM Trading operates a same-source withdrawal policy. This means that funds must be returned to the same payment method and account from which the original deposit was made. This requirement is enforced as part of the Company's anti-money laundering (AML) obligations.

Supported withdrawal methods include:

• Bank Wire Transfer — funds are returned to the originating bank account.
• Cryptocurrency — funds are returned to the wallet address on file.
• E-Wallets and Electronic Payment Systems — funds are returned to the same e-wallet used for the deposit.

If the original payment method is no longer available or accessible, the Client must contact support@gxmtrading.com and provide supporting documentation before an alternative withdrawal method can be approved. GXM Trading reserves the right to request additional verification before processing such requests.

In cases where a deposit was made using multiple payment methods, withdrawals will be allocated proportionally to each original source until the deposited amounts are fully returned, after which any remaining profit may be withdrawn via an approved method of the Client's choosing.

GXM Trading endeavors to process all withdrawal requests promptly. Typical processing timeframes, measured in business days from the date a complete and verified request is received, are as follows:

• Cryptocurrency withdrawals: 1 to 3 business days.
• E-Wallet withdrawals: 1 to 3 business days.
• Bank Wire Transfer withdrawals: 3 to 5 business days.

These timeframes represent the Company's internal processing period and do not include any additional time required by banks, payment processors, or blockchain networks to complete the transfer. Actual receipt of funds may take longer depending on the intermediary institutions involved.

GXM Trading shall not be held liable for delays caused by third-party payment providers, banking institutions, network congestion, or circumstances beyond the Company's reasonable control.

GXM Trading may apply fees to withdrawal and refund transactions under the following circumstances:

• Service Fee: A fee of 5% of the withdrawal amount is applied when the Client has executed fewer than 5 independent trades on their account. This fee is designed to cover administrative and processing costs associated with early withdrawals.
• Currency Conversion Fees: If the withdrawal currency differs from the account base currency, a conversion fee may be applied at the prevailing exchange rate plus any applicable spread.
• Third-Party Fees: Banks, payment processors, and blockchain networks may impose their own transaction fees, which are borne entirely by the Client. GXM Trading has no control over these external charges.

The Client acknowledges and accepts responsibility for all costs, commissions, and taxes that may arise in connection with withdrawal and refund transactions, as outlined in the Client Service Agreement.

GXM Trading will make reasonable efforts to disclose any applicable fees before the withdrawal is processed. However, third-party charges are determined by external providers and may not always be known in advance.

All Clients must complete the Company's Know Your Customer (KYC) verification process before any withdrawal or refund request can be processed. This is a regulatory requirement and is non-negotiable.

KYC verification typically requires the submission of:

• A valid government-issued photo identification document (passport, national ID card, or driver's license).
• Proof of residential address dated within the last three months (utility bill, bank statement, or government-issued correspondence).
• Proof of payment method ownership (e.g., a screenshot or photo of the card, e-wallet, or bank statement confirming the deposit source).

GXM Trading may request additional identification documents at any time, particularly for large withdrawal amounts or where there is reason to suspect fraudulent activity. The Company actively combats fraud and money laundering in compliance with applicable laws and regulations.

Withdrawal requests submitted by Clients who have not completed KYC verification will remain pending until all required documents have been received and approved.

Refund eligibility is determined on a case-by-case basis and is subject to the following general conditions:

• Unused Deposits: If a Client has deposited funds but has not used them for any trading activity, the deposit may be eligible for a full refund, subject to verification and applicable fees.
• Deposits Used in Trading: Funds that have been used to open or maintain trading positions, whether resulting in profit or loss, are not eligible for refund. By placing a trade, the Client acknowledges that the deposited funds have been utilized for the intended purpose of the service.
• Duplicate or Erroneous Deposits: If a deposit was made in error or was duplicated due to a technical issue, the Client may request a refund by providing supporting evidence. GXM Trading will investigate and, where appropriate, process the refund to the original payment source.

All refund requests must be submitted in writing to support@gxmtrading.com and will be reviewed within 10 business days of receipt. The Company's decision regarding refund eligibility is final and will be communicated to the Client in writing.

From time to time, GXM Trading may offer promotional bonus funds or credit to eligible Clients. The withdrawal of bonus funds is subject to the specific terms and conditions attached to each promotion, which may include but are not limited to:

• Trading Volume Requirements: Bonus funds typically cannot be withdrawn until the Client has completed a specified minimum trading volume. The required volume will be stated in the terms of the relevant promotion.
• Time Restrictions: Certain bonuses must be used or their conditions fulfilled within a defined period. Failure to meet the conditions within the allotted time may result in the forfeiture of the bonus and any associated profits.
• Withdrawal Impact: Submitting a withdrawal request before meeting bonus conditions may result in the removal of the bonus amount and any profits derived from the bonus from the Client's account.

Bonus funds are issued at the sole discretion of GXM Trading and are not considered deposited capital. The Company reserves the right to modify, suspend, or cancel any bonus program at any time without prior notice.

GXM Trading reserves the right to suspend, withhold, or decline a withdrawal request under any of the following circumstances:

• AML/CFT Suspicion: Where there is reasonable suspicion that the transaction may be linked to money laundering, terrorist financing, or other illicit financial activity.
• Incomplete KYC Verification: Where the Client has not provided the required identity and address verification documents, or where submitted documents are deemed insufficient or fraudulent.
• Legal or Regulatory Orders: Where the Company has received a court order, regulatory directive, or law enforcement request requiring it to freeze or withhold funds.
• Breach of Agreement: Where the Client has violated any terms of the Client Service Agreement, including but not limited to the misuse of trading platforms, exploitation of system errors, or engagement in abusive trading strategies.
• Inaccurate Payment Details: Where the Client has provided incorrect or incomplete payment details. GXM Trading is not liable for payments sent to incorrect accounts due to erroneous information provided by the Client.

In the event a withdrawal is withheld, the Company will notify the Client of the reason and, where possible, outline the steps required to resolve the matter. The Company shall not be liable for any losses or inconvenience arising from a lawful withholding of funds.

If a Client disagrees with a decision made under this Policy or believes that a withdrawal or refund request has been handled incorrectly, the Client may raise a formal dispute by contacting the Company at support@gxmtrading.com.

The dispute submission should include:

• The Client's full name and account number.
• A detailed description of the issue and the resolution sought.
• Any supporting documentation relevant to the dispute.

GXM Trading will acknowledge receipt of the dispute within 5 business days and will endeavor to provide a resolution within 30 business days of receipt. If additional time is required for investigation, the Client will be informed of the expected timeline.

If the Client is not satisfied with the outcome of the internal dispute process, they may escalate the matter to the Seychelles Financial Services Authority (FSA) or pursue resolution through any other legally available channel, as set out in the Client Service Agreement.

For any questions, concerns, or requests relating to this Refund and Withdrawal Policy, Clients may contact GXM Trading using the details below:

• Company: KW Investments Limited, trading as GXM Trading
• Regulatory Authority: Seychelles Financial Services Authority (FSA)
• License Number: SD020
• Website: gxmtrading.com
• Email: support@gxmtrading.com

GXM Trading is committed to responding to all inquiries in a timely and professional manner. All matters not expressly addressed in this Policy are governed by the terms and conditions of the Client Service Agreement.