Your investment with us is governed by the Terms and Conditions set forth below. These terms are obligatory and unconditional. Your opening and use of an account with TopFinancial is construed as a complete acceptance of these terms and conditions.

I. General.

• We reserve the right to modify the terms and conditions at any time without prior notice. You should review these terms and conditions periodically.
• Your acceptance of these terms and conditions is effective indefinitely from the moment you open an account with us.
• TopFinancial.com and its contents are not intended to provide tax, legal or investment advice of any kind. No information on TopFinancial.com should be construed as an offer or recommendation to sell or buy any securities issued by either us or by any third party.
• Unless otherwise specified, you alone bear the sole responsibility for any decisions made regarding whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you, based on your investment objectives and personal and financial situation.
• You should consult a tax advisor regarding your specific legal or tax situation before proceeding to investing with us.
• You must be of legal age in order to be eligible to open account and invest with us. The legal age may differ from jurisdiction to jurisdiction.
• It may be illegal to use our website and/or to invest with us in certain countries. You bear sole responsibility for using our website and investing with us should such use and investments be prohibited by law in your country of residence.

II. Investment Terms.

• The lock-in period for any account is 210 business days from the date of your initial deposit with us.
• The minimum deposit requirement for deposits via e-currencies is $10.00.
• The minimum deposit requirement for deposits from available balance is $0.25.
• All additional deposits made into the same account are added to the account principal amount and are treated as one amount.
• You cannot choose different compounding settings for separate deposits into the same account.
• Only one compounding choice per account is possible at the same time.
• The minimum withdrawal amount requirement is $0.25.
• The interest rate is calculated based on the amount of the account principal.
• A varying daily interest of 1.1% to 1.4% inclusive is paid on account principals from $10.00 to $999.99.
• A fixed daily interest of 1.8% is paid on account principals from $1,000.00 to $9,999.99.
• A fixed daily interest of 2.1% is paid on account principals from $10,000.00.
• A more profitable investment plan will be assigned to the account when the account principal reaches the level required for the new plan.
• An individually-assigned VIP interest rate is paid on higher account principal amounts. The exact interest rate is calculated on an individual basis depending on the account principal amount.
• The daily interest amount is calculated and credited to all accounts at 9 am EST (Eastern Standard Time, UTC-5) every business day.
• Business days include all calendar days from Monday through Friday, excluding official holidays.
• You can open as many accounts with us as you wish.
• The compounding option is available to all accounts.
• Simple compounding option can be enabled and disabled at any time.
• The available simple compounding values range from 0% to 100%.
• The advanced compounding option is available to all accounts.
• The advanced compounding option can be enabled for a specific number of days, during which it cannot under any circumstance be disabled.
• The extra daily interest rate is dependent on the time range you choose.
• The predefined ranges for advanced compounding are: from 30 to 59 business days (0.1% extra rate), 60 to 89 business days (0.2% extra rate), 90 to 119 business days (0.3% extra rate), 120 to 149 business days (0.4% extra rate), 150 to 179 business days (0.5% extra rate), and 180 to 210 business days (0.6% extra rate).
• There is a 3-level referral program.
• A referral commission of 6% is paid on every deposit made by your 1st-level referrals.
• A referral commission of 2% is paid on every deposit made by your 2nd-level referrals.
• A referral commission of 1% is paid on every deposit made by your 3rd-level referrals.
• Withdrawals are verified and processed manually.
• Any withdrawals via e-currency are processed within 24 hours from the moment we receive a withdrawal request.

III. Account Safety.

By opening an account with us you agree to observe the following security measures to the fullest extent and without any exceptions:

• Always have an up-to-date firewall and anti-virus program installed on your computer.
• Never open emails with attachments unless you know the sender in person or are expecting such an email.
• Never reply to emails that purportedly come from us requesting that you provide or update your TopFinancial.com account details for any reason. We NEVER send out such emails.
• Avoid visiting untrustworthy or suspicious-looking websites, especially in the adult entertainment and gambling industry, unless you are sure that the website you are visiting is a reliable one.
• Use random combinations of characters and numbers when creating the passwords to all of your accounts.
• Never use the same password for two or more accounts.
• We confirm almost every account activity with an automated email. Always read these automated emails attentively. Contact us immediately should you notice any discrepancies.

IV. Privacy Policy and Security of Personal Information.

Your privacy and the security of your personal information is our top priority. We have implemented a set of rules and practices targeted to protect your information. Here is a brief description of some of our security measures:

• We keep all of our users personal information on separate, firewall-protected servers.
• We keep all of your personal information strictly confidential.
• We have implemented a series of physical and electronic security checks to minimize the number of our employees with authorized access to personal information.
• Your personal information will never be leased or sold to any third party.
• We employ a team of skilled, top-level internet security professionals that monitor the security of our servers and all of the information they contain.

V. Collection and Use of Personal Information.

• Whenever you contact us via email or live chat, we keep a record of your contact information and correspondence and use it to respond to you.
• We may, at our sole discretion, use your personal information to contact you with our newsletters, advertising and promotional materials and other information that we believe may be of interest to you. If you decide that you no longer wish to receive such emails from us, you can simply follow the unsubscribe instructions supplied with every email we send you.

VI. Logs and Cookies.

• Logs are the information sent by your browser, including, but not limited to, your computer's IP address, pixel code, http location, search string, time of visit, browser time, operation system used, and other statistics.
• Whenever you visit our website, our servers automatically record and collect logs sent by your browser. We use this information to monitor and analyze the use of our website and its services, to enhance website functionality and user-friendliness, and to improve the overall security of our website and your account.
• Cookies. Unlike other websites, we do not use cookies on TopFinancial.com.

VII. Anti-spam Policy.

• We have a zero-tolerance policy towards spam in any form. We will cancel the account of any user caught spamming.
• We ask you to inform us immediately of any cases of spam in any form in any way related to us.

VIII. Copyright.

• TopFinancial.com is the owner of all of the intellectual property and rights of this website, including its entire published content.
• This website is protected by copyrights and all of the rights are reserved. The contents of our website are intended solely for the use of our website's visitors.
• The reproduction, modification, distribution, transmission, republication, display or performance of the contents of this website is strictly prohibited without prior written permission from TopFinancial.com.