Terms and Conditions .

The platform provides digital asset infrastructure, tokenized securities technology, tokenized sukuk services, blockchain applications, custody integration and related technology services. Access to any product or service may be subject to regulatory approval, licensing, exemptions, investor classification, jurisdictional restrictions and internal compliance review.

Users must be at least 18 years old and must have full legal capacity to enter into binding agreements. Certain products may be restricted to eligible, sophisticated, professional, accredited or institutional investors only.

• Retail Client
• Sophisticated Investor
• Professional Investor
• Accredited Investor
• Institutional Investor
• Corporate or Special Purpose Vehicle

All users must complete the required onboarding, identity verification, suitability assessment and compliance screening before accessing deposit, withdrawal, subscription, trading or transfer functions.

The platform maintains controls for Anti-Money Laundering, Counter Financing of Terrorism, Counter-Proliferation Financing and Targeted Financial Sanctions. The platform may conduct screening, transaction monitoring, enhanced due diligence and regulatory reporting where required.

• KYC and customer due diligence
• Enhanced due diligence for higher-risk users
• Sanctions and watchlist screening
• Source of funds and source of wealth checks
• Transaction monitoring and suspicious activity review
• Freezing, rejection or reporting of suspicious transactions

Users are responsible for assessing their own investment objectives, financial position, investment knowledge, risk tolerance and liquidity needs. The platform does not provide personal investment, legal, tax, accounting or Shariah advice.

Products may include digital assets, security tokens, utility tokens, asset-backed tokens, tokenized securities, tokenized sukuk, real-world asset tokens and blockchain-based financial instruments.

• Digital asset transactions may be irreversible
• Token prices may fluctuate significantly
• Secondary market liquidity may not be available
• Blockchain settlement may be delayed or disrupted
• Smart contracts may contain defects or vulnerabilities

BitSukuk may facilitate the structuring, issuance, subscription, administration, lifecycle management, reporting and transfer of tokenized sukuk or Shariah-compliant digital instruments, subject to applicable approvals and documentation.

Where a product is described as Shariah-compliant, such classification is based on review by appointed Shariah advisers, Shariah committee, Shariah Supervisory Board or qualified scholars.

• Shariah review and approval before offering
• Ongoing Shariah monitoring where applicable
• Fatwa, certificate or Shariah opinion verification
• Rectification process for Shariah non-compliance events
• Recognition that scholarly differences may exist

Digital assets may be held through wallet infrastructure, qualified custodians, trustee arrangements, multi-signature controls, cold storage or other custody models depending on the product and applicable rules.

• Users must protect passwords, private keys and seed phrases
• Loss of credentials may result in permanent loss of access
• Transfers to incorrect wallet addresses may be irreversible
• Custodian or third-party service failure may affect access
• Withdrawals may be subject to compliance review

Participation in digital assets, tokenized securities, tokenized sukuk and blockchain-based instruments involves substantial risk. Users may lose part or all of their invested capital.

• Market risk
• Liquidity risk
• Regulatory risk
• Technology risk
• Smart contract risk
• Cybersecurity risk
• Custody risk
• Counterparty risk
• Operational risk
• Project risk
• Asset valuation risk
• Default risk
• Shariah compliance risk
• Force majeure risk

Users must not engage in any activity that compromises market integrity, system security, regulatory compliance or the reputation of the platform.

• Market manipulation
• Wash trading
• Spoofing
• Insider trading
• Front running
• Money laundering
• Terrorist financing
• Sanctions evasion
• Unauthorised system access
• Use of false identity or nominee accounts

Users agree to pay all applicable fees, charges, commissions, spreads, network fees, custody fees, administration fees, trustee fees, issuer fees and other charges disclosed by the platform or offering documents.

The platform may collect, process, store, disclose and retain personal data for onboarding, compliance, transaction processing, regulatory reporting, audit, fraud prevention, cybersecurity and service delivery purposes.

• Identity verification data
• Transaction records
• Device and login information
• Compliance and sanctions screening results
• Tax and investor classification information
• Regulatory and audit records

Users may be required to provide tax residency declarations, Tax Identification Numbers, FATCA and CRS self-certifications and supporting documentation.

The platform may suspend, restrict, freeze, terminate or close an account where required by law, regulation, court order, regulator instruction, sanctions screening, security event or internal compliance policy.

• Incomplete verification
• Suspicious transaction activity
• Sanctions or restricted jurisdiction exposure
• Fraud, abuse or prohibited conduct
• Cybersecurity or account compromise risk
• Failure to provide requested information

Users may submit complaints to the compliance or legal department. The platform will assess complaints fairly and provide a response within a reasonable period, subject to the complexity of the matter.

To the fullest extent permitted by applicable law, the platform, its affiliates, officers, directors, partners, employees, advisers, contractors and service providers shall not be liable for indirect, incidental, special, punitive or consequential losses.

• Market volatility
• Platform downtime
• Network congestion
• Third-party provider failure
• Blockchain or smart contract failure
• User error or incorrect wallet address
• Loss of credentials or unauthorised access

These Terms shall be governed by the laws of Labuan, Malaysia and applicable federal laws of Malaysia. Parties shall first attempt to resolve disputes through good-faith negotiation.