RULES/PRIVACY POLICY

1. Introduction

1.1. We are committed to safeguarding the privacy of our website visitors; in this policy, we explain how we will treat your personal information and our terms and conditions.

Investment rules and strategies

When you need your money often determines how you'll invest it. Too often, investors realize they need money sooner than expected and are forced to sell when the market is against them.

• 1. Be patient. Investing for the long term (buying and holding) generally works out better than trying to make a quick score. the consumer's right to cancel a contract for the purchase of goods or services without needing to justify their investment account, your money is available immediately at any time. Transfers and payments are allowed, and cash withdrawals can be made, provided your account is linked to a card. investment account: You require an opening balance of $100 000.
• 2, Fixed Deposit investment account: You require an opening deposit of $10,000. But the higher your balance, the more interest you’ll earn. How do I know how my investment is doing?
• 3, Download our pdf As long as you maintain any required minimum (currently, there is no required minimum) in each of your chosen Funds, you can make the following changes to your investment Online. Simply login to our website Managed Funds account Online and follow the prompts based on the transaction you want to complete. Under normal conditions, a Bitcoin transaction takes about 10 minutes to an hour to complete. This timeframe is largely determined by the network's requirement for block confirmations. Each confirmation represents a new block added to the blockchain, validating your transaction.

The condition of withdrawal and it rules.

What is the 4 withdrawal rule example? In comparison, the 4% rule is simple. For example: If you have $1 million in total retirement savings, you will have a budget of $40,000 in your first year of retirement. The next year, you would multiply that $40,000 by the rate of inflation. You can either withdraw your full investment or make a partial your nominated bank account. We will prompt you to provide this proof withdrawal. Withdrawing 4% of your pension investment each year, and adjusting for inflation at 2%, could mean your savings last 30 years or more. Taking just 4% of your investment each year means most of the money should be interest and investment growth. The 4% withdrawal rule assumes that you don’t make changes to your investments or withdrawal strategy, even during periods of market volatility. This is a sustainable withdrawal method because your spending is increasing based on inflation, not by how your investments have performed. Use our Inflation Calculator to see the impact inflation can have on your pension savings over time There are two ways you can withdraw your money from a Fixed Deposit investment account: At maturity close-out, which means your investment has matured and you've reached the end of the investment period. All funds are available at this time and you won't be charged penalties for withdrawals. The right of withdrawal is an essential element in consumer and user protection within the European Union. These regulations establish the rules on the purchase of goods and services carried out by consumers within the European framework, including those made digitally. The right of withdrawal must have a minimum period of fourteen (14) calendar days from when the consumer receives the good. However, the business may choose to extend this period voluntarily. Once the right of withdrawal is exercised, the business is obliged to refund all payments received, including delivery costs (except for additional costs if the User chose a different delivery type than the least expensive one offered by the business). The refund must be made without undue delay and, in any case, within fourteen (14) calendar days from when the seller was informed of the withdrawal. Investment in the Funds is designed for easy, flexible saving, so you can request a withdrawal any time you like. A minimum required balance that must remain in each Fund after a withdrawal may be set by the Manager in accordance

Tax on your withdrawals

Generally, when you make a full withdrawal from the Scheme, Portfolio Investment Entity (PIE) tax will be deducted from the withdrawal amount. Please see the Tax section for more information. When you are considering the value of your investment, it is important to bear in mind that a portfolio valuation showing the value of your units may not make any allowance for tax that may be deducted at your prevailing Prescribed Investor Rate (PIR) on full withdrawal or at the end of the year. Withdrawals Investment in the Funds is designed for easy, flexible saving, so you can request a withdrawal any time you like. A minimum required balance that must remain in each Fund after a withdrawal may be set by the Manager in accordance with the Trust Deed. Where a withdrawal request is made which would mean that your account balance would fall below the minimum, the Manager may refuse to action the withdrawal or take such other action as is permitted under the Trust Deed. Currently, no such minimum is prescribed. Banks typically cap the amount of cash you can withdraw from ATMs in one day. These limits can range anywhere from $300 to $1,000. This is usually a cumulative daily limit. In other words, if your cash withdrawal limit is $500, you can't hop from ATM to ATM, taking out $500 each time. You make a withdrawal when you remove funds from a bank account, savings plan, pension, or trust. In some cases, conditions must be met to withdraw funds without a penalty. A penalty for an early withdrawal is usually charged when a clause in an investment contract is broken

REINVESTMENT RULE AND LIMIT.

Re-investment Can be done by the following rules..

• ✅when you invest in Plan 1, 2% (BRONZE PLAN), DURATION: 4 DAYS MIN-DEPOSIT: 100 USD MAX-DEPOSIT: 4999 USD REFERRAL: 10%. The reinvestment time duration is just twice 2. And top up your investment to continue accumulating.
• and when you invests in ✅ Plan 2, 3%(SILVER PLAN)DURATION: 4 DAYS MIN-DEPOSIT: 5000 USD MAX-DEPOSIT: 10000 USD REFERRAL: 10% .the reinvestment time duration is just Done three times 3. Top up your active deposit to earn more profits passively.
• and when you invest in ✅ Plan 3, 4%(GOLD PLAN): 4 DAYS MIN-DEPOSIT: 10000 USD MAX-DEPOSIT: 20000 USD REFERRAL: 10% the reinvestment time duration is Four times 4.
• and then when you invest in the Plan 4, 5%(DIAMOND PLAN)DURATION: 4 DAYS MIN-DEPOSIT: 20,000 USD MAX-DEPOSIT: UNLIMITED REFERRAL: 10% which is the last plan of the company, you can re-invest as many times as you want because maximum deposit in the plan 4 is unlimited and withdrawals are unlimited .
• NOTE.. An investor should, at least make a frequent deposit within weekly to 2 weeks to keep your account accumulating and updated.

2. Collecting personal information

2.1. We may collect, store and use the following kinds of personal information:

• a) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);
• b) information that you provide to us when registering with our website (including your email address);
• c) information that you provide when completing your profile on our website (including your name, address and payment details);
• d) information that you provide to us for the purpose of subscribing to our email notifications about your activities on the website (deposit making, withdrawal requests, withdrawal confirmations) and newsletters (including your name and email address);
• e) information relating to your investment activities or any other transactions that you enter into through our website (your name, email and payment details);
• f) information contained in or relating to any communication that you send to us;
• g) any other personal information that you choose to send to us.

3. Using personal information

3.1. Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

3.2. We may use your personal information to:

• a) administer our website and business;
• b) personalize our website for you;
• c) enable your use of the services available on our website;
• d) make possible the investment process;
• e) send information about your deposits and collect payments from you;
• f) send you non-marketing commercial communications;
• g) send you email notifications that you have specifically requested;
• h) send you our email newsletter;
• k) deal with enquiries and complaints made by or about you relating to our website;
• l) keep our website secure and prevent fraud;

3.3. Your privacy settings can be used to limit the publication of your information on our website, and can be adjusted using privacy controls on the website.

3.4. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

3.5. All our website financial transactions are handled through cryptocurrency payment API. You can review the provider's privacy policy at www.block.io and www.coinpayments.net. We will share information with our payment services provider only to the extent necessary for the purposes of processing payments you make via our website, refunding such payments and dealing with complaints and queries relating to such payments and refunds.

4. Disclosing personal information

4.1. We may disclose your personal information to our employees and technical staff insofar as reasonably necessary for the purposes set out in this policy.

4.2. We may disclose your personal information to any member of our trader’s group insofar as reasonably necessary for the purposes set out in this policy.

4.3. We may disclose your personal information:

• a) to the extent that we are required to do so by law;
• b) in connection with any ongoing or prospective legal proceedings;
• c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
• d) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

4.4. Except as provided in this policy, we will not provide your personal information to third parties.

5. International data transfers

5.1. Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

5.2. You expressly agree to the transfers of personal information when you use our website.

6. Security of personal information

6.1. We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

6.2. We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

6.3. All electronic financial transactions entered into through our website will be protected by encryption technology.

6.4. You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

6.5. You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

7. Amendments

7.1. We may update this policy from time to time by publishing a new version on our website.

7.2. You should check this page occasionally to ensure you are happy with any changes to this policy.

7.3. We may notify you of changes to this policy by email.

8. Your rights

8.1. You may instruct us to provide you with any personal information we hold about you by email request.

8.2. We may withhold personal information that you request to the extent permitted by law.

8.3. You may instruct us at any time not to process your personal information for email notifications and newsletters.

8.4. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

9. Third party websites

9.1. Our website includes hyperlinks to, and details of, third party websites.

9.2. We have no control over, and are not responsible for, the privacy policies and practices of third parties.

10. Updating information

10.1. Please, let us know if the personal information that we hold about you needs to be corrected or updated.

11. Cookies

11.1 A cookie is a small piece of information that is placed on your computer when you visit certain websites. When we refer to “cookies” we include other technologies with similar purposes, such as tags and identifiers. Find out more about the use of cookies on http://www.cookiecentral.com.

11.2 When you first visit our sites using a new browser, or if you visit in private browsing mode, we will provide you with a cookies permission banner seeking your consent to use of cookies as required by law. From this banner, you will be able to access our cookies management tool. By clicking OK or clicking through to any part of the site, we will start to manage your visit using cookies.

11.3 We use the following types of cookie, as will your browser:

• a) Analytics cookies that anonymously remember your computer or mobile device when you visit our website and recognize visits to our website across different devices. They keep track of browsing patterns and help us to build up a profile of how our readers use the website. We use that information for customer analytics and to serve advertisements that we think might be of particular interest to you on our and other websites. Your browser may use similar cookies for similar purposes and to serve advertisements for others.
• b) Service cookies that help us to make our website work as efficiently as possible; remember your registration and login details; remember your settings preferences; to detect what device you are using and adapt how we present our services according to the screen size of that device; and meter the number of pages you view for the purpose of administering subscriptions to Harmony Investment Fund Ltd.
• c) Third party advertising and analytics cookies, which are placed by or on behalf of independent advertisers who might advertising on our site. These cookies may be placed within the advertisement and elsewhere on our site by us or by your browser. They are anonymous – they cannot be used to identify individuals, but they can also allow the advertiser or your browser to tailor advertising to you when you visit other websites using the same browser. They are used for statistical analysis by allowing the advertiser to count how many people have seen their advertisement or have seen it more than once, to make sure you are not repeatedly served with the same advertising messages.
• d) We also place third party cookies to enable the serving of our own advertisements, for example, for our subscriptions offers, on other websites. These advertisements will be based on your browsing behavior on our website and will be tailored to your interests. The information we gather from your visit is limited to page URLs.

11.4 We have no access to third party cookies and third party organizations have no access to ours. The third party organizations that place cookies, including your browser (such as Google) and the third party companies who pay for advertising and analytics services using this information, will have their own privacy policies.

11.5. Deleting cookies will have a negative impact on the usability of many websites.

12. Data protection registration

12.1. We are using strong encryption service and have EV SSL certificate on the website.