Capital Trading Exchange (CTX)

1 Platform Disclaimer

This trading platform is operated by Farr Holdings & Finance as the Capital Trading Exchange (CTX) platform. By using this platform, you acknowledge that all trading activity is conducted at your own discretion and risk.

Clem Farr, Farr Holdings & Finance, and the CTX platform are not responsible for any money lost through trading activity on this platform. You are solely responsible for your trading decisions and their outcomes.

2 Fees & Charges

2.1 Bid-Ask Spread (0.5%)

All trades on this platform are subject to a 0.5% bid-ask spread. This means:

When buying, you pay the "ask" price (0.25% above market price)
When selling, you receive the "bid" price (0.25% below market price)
This spread applies to all stocks, cryptocurrencies, and options trades
The spread fee is collected by the platform on every transaction

Example: If AAPL is trading at $150.00, you would buy at $150.375 and sell at $149.625. A round-trip trade costs approximately 0.5% of your position.

2.2 Weekly Cash Maintenance Fee (2%)

A 2% maintenance fee is applied weekly to all cash balances held in user accounts. This fee:

Is deducted automatically from your available cash balance
Does not apply to funds invested in positions
Does not apply to funds pending withdrawal
Encourages active trading and investment

3 Trading Stocks & Cryptocurrency

3.1 Buying (Long Positions)

When you buy shares, you are purchasing ownership of that asset at the current ask price. You profit when the price rises and can sell at any time to close your position and realize gains or losses.

3.2 Short Selling

Short selling allows you to profit from falling prices. When you open a short position:

You borrow shares and immediately sell them at the current bid price
100% margin of the position's notional value is required and locked
You profit if the price falls (you buy back cheaper)
You lose if the price rises (you buy back at a higher price)
Warning: Short positions have theoretically unlimited loss potential if prices rise significantly

To close a short position, you "cover" by buying back shares at the current ask price. Your margin is released and adjusted for profit/loss.

4 Options Trading

⚠️ Options are complex instruments. Please ensure you understand them before trading.

4.1 What Are Options?

Options give you the right (but not obligation) to buy or sell an asset at a predetermined "strike" price before expiration. On this platform:

Call Options profit when the underlying asset's price rises above the strike price
Put Options profit when the underlying asset's price falls below the strike price
All options are cash-settled (no actual shares change hands at expiration)
Options can be closed early at any time before expiration

4.2 Option Pricing & Time Decay (Theta)

An option's price (premium) consists of two components:

Intrinsic Value: The immediate profit if exercised now
Time Value: The "hope premium" that decays as expiration approaches

Critical: Even if the stock price doesn't move, your option loses value every single day due to time decay. OTM options will decay completely to $0 at expiration.

4.3 Writing/Selling Options (SHORT) - HIGH RISK

When you write (sell) an option:

Margin is required and locked as collateral
Losses CAN EXCEED the locked margin
Additional losses are deducted from your balance
If margin becomes insufficient, positions may be force-liquidated
Other positions may be auto-sold to cover shortfalls
NAKED CALLS HAVE UNLIMITED LOSS POTENTIAL

5 Withdrawals

When you request a withdrawal:

The requested funds are immediately locked and unavailable for trading
Withdrawal requests require administrator approval
Approved funds are released; declined requests return funds to your available balance

6 Fixed-Term Bonds

6.1 Bond Overview

Fixed-term bonds allow you to lock your funds for a predetermined period in exchange for interest. Bonds come in four credit tiers with different risk/reward profiles.

6.2 Credit Tiers

Treasury (🏛️): 0% default risk, 0.1-1.5% interest, min $1,000
Investment Grade (📊): 5% default risk, 0.4-5% interest, min $5,000
High Yield (📈): 8-20% default risk, 1-15% interest, min $10,000
Junk Bond (🎲): 15-40% default risk, 2-30% interest, min $15,000

6.3 Available Terms

Bonds are available in 1-day, 7-day, 14-day, and 30-day terms. Longer terms offer higher interest rates. 1-day bonds have lower default risk than longer terms.

6.4 Bonus Interest

Larger deposits earn bonus interest (excludes Treasury bonds):

$50,000+ deposits: +1% bonus interest
$100,000+ deposits: +2% bonus interest

6.5 Creation Fee

A 0.5% creation fee is charged when you create a bond. This fee is deducted from your balance in addition to your principal deposit.

6.6 Default Risk

Non-Treasury bonds may default at maturity. If a bond defaults, you receive only a portion of your principal (recovery rate varies by tier). Treasury bonds cannot default.

6.7 Early Withdrawal Penalties

WARNING: Withdrawing funds before maturity results in severe penalties:

Complete forfeiture of all accrued interest
A penalty of 5-40% of principal (based on amount and tier)

6.8 Acknowledgment

By creating a bond, you acknowledge that you understand the lock period, default risk, and severe penalties for early withdrawal. Bonds are designed to be held to maturity.

7 User Exchange (Player-Listed Companies)

7.1 Overview

The User Exchange allows players to list their own companies, sell shares to other players, and trade player-created stocks. This is separate from real-world stocks and operates entirely within the platform economy.

7.2 Listing a Company (IPO)

When you list a company:

A 3% platform fee is charged on the total IPO valuation upfront
You may sell up to 49% of your company at IPO
You must retain at least 51% ownership at all times
When shares sell, you receive 50% of proceeds; 50% is held as collateral

7.3 Owner Revenue Streams

As a company owner, you can profit through:

IPO Proceeds: 50% of each share sale goes to your wallet
Dividend Income: You receive dividends on your own shares
Trading Fee Share: You receive 25% of all trading fees on your stock
Stake Appreciation: Your 51%+ stake grows as the company succeeds

7.4 Dividends

If you commit to paying dividends:

Dividends are paid weekly to all shareholders (including yourself)
You can adjust dividend rates by ±25% with 7 days notice
A 2% platform fee is deducted from all dividend distributions
Missing 3 dividend payments results in liquidation

7.5 Collateral Requirements

Collateral protects investors and is required at 50% of public float value:

Collateral is automatically funded from 50% of IPO sale proceeds
If share price increases, additional collateral may be required
Collateral is not a cost — it is returned when you delist or buy back shares
24 hours of undercollateralization triggers liquidation

7.6 Trading Fees

Trading on the User Exchange incurs a 1% total fee (0.5% per side):

75% of fees go to the platform
25% of fees go to the company owner

7.7 Buyout & Delisting

To fully exit your company, you have two options:

Negotiate directly: Contact shareholders individually and agree on a price to buy back their shares through normal market orders
Forced Buyout: Use Buyout Shareholders to instantly repurchase all public shares at a 20% premium (no negotiation required)

Once all public shares are bought back (by either method), you may Delist the company and all collateral is returned.

7.8 Liquidation

Your company will be liquidated if:

You miss 3 dividend payments
You remain undercollateralized for 24 hours

Upon liquidation, collateral is distributed to shareholders and a 5% liquidation fee is charged.

7.9 Investing in Player Companies

When you buy shares in another player's company:

You may receive weekly dividends if the company pays them
You can sell shares at any time on the open market
If the company is liquidated, you receive a portion of collateral
Prices are set by supply and demand — there is no guarantee of profit

7.10 Startup Listings (Crowdfunding)

Startups are a special type of listing for new ventures that must reach their funding goal before activating:

All-or-Nothing: If funding goal is reached, startup activates. If not, all investors are automatically refunded
Funding Goal: $10,000 - $5,000,000
Deadline: 7-60 days to reach the goal
3% platform fee is charged upfront and is non-refundable
Founders must provide a pitch explaining their business and use of funds

When funding succeeds:

50% of funds go to the founder
50% is locked as collateral (same as regular companies)
Shares begin trading normally on the exchange

Investor Warning: Startup investing is high-risk. The automatic refund only applies if funding fails — once a startup is active, normal exchange rules apply and you may lose your investment.

8 Fair Use Policy & Bug Reporting

8.1 Prohibited Conduct

You agree NOT to:

Exploit bugs, glitches, or errors for personal gain
Manipulate the system in ways clearly not intended by its design
Use automated tools, scripts, or bots to interact with the platform
Attempt to circumvent any platform restrictions or security measures
Collude with other users to manipulate prices or game the system

8.2 Consequences of Violations

Any trades made utilizing bugs, exploits, or system manipulation may be reversed, voided, or not honored at the administrator's sole discretion.

8.3 Obligation to Report

You have an obligation to immediately report any bugs or unexpected behavior you discover.

9 ⚠️ IslandCrypto - HIGH RISK DISCLAIMER

9.1 User-Created Tokens

IslandCrypto allows users to create their own tokens. These tokens are NOT backed by the platform, have no intrinsic value, and are created entirely by other users. The platform makes no guarantees about any token's value, legitimacy, or future existence.

9.2 Pump & Dump Risk

User-created tokens are highly susceptible to pump-and-dump schemes where creators or early buyers artificially inflate prices before selling, causing the price to crash. You may lose your entire investment. Only invest what you can afford to lose completely.

9.3 AMM Mechanics

IslandCrypto uses an Automated Market Maker (AMM) system. This means:

Prices adjust automatically based on supply and demand
Large trades cause significant price impact (slippage)
Token creators who provide liquidity will only recover approximately 50% of their initial liquidity if they immediately sell their tokens back - this is not a bug, it is how AMM mathematics work
There is no price floor or ceiling protection

9.4 IslandCrypto Fees

0.3% swap fee on all token buy/sell trades (retained in liquidity pool)
0.1% transfer fee on wallet-to-wallet cash transfers (paid to platform)
$5,000 per additional crypto address (first 2 addresses are free)
$1,000 token creation fee
$100,000 to unlock IslandCrypto access

9.5 No Recourse

The platform and its operators are NOT responsible for any losses due to token price crashes, rug pulls, scams, pump-and-dump schemes, or any other token-related losses. All IslandCrypto trading is entirely at your own risk.

10 🛢️ Island Commodities & Futures Trading

10.1 Commodity Trading

Island Commodities allows you to trade commodities from the Island economy. Prices are synchronized with the server economy and update every 30 seconds. You can buy commodities at the current market price and sell them at any time.

10.2 Access Fees

$50,000 to unlock historical price data and charts
$100,000 to unlock futures trading (requires data access first)

10.3 Futures Contracts

Futures contracts allow you to speculate on future commodity prices with leverage. Futures trading involves margin requirements:

Long positions profit when prices rise
Short positions profit when prices fall
Margin calculation: Price × Contract Size × Margin %
Typical margin requirement is 10% of notional value
Leverage amplifies both gains and losses

10.4 Margin Calls & Liquidation

Futures positions are monitored continuously. If your position equity falls below the maintenance margin (20% of initial margin), your position will be automatically liquidated:

Positions are closed at current market price
Remaining margin (if any) is returned to your account
If losses exceed your margin, other positions may be liquidated to cover the shortfall
You can lose more than your initial margin in extreme market conditions

10.5 Contract Expiry

Futures contracts have expiration dates. At expiry:

All open positions are automatically settled at the settlement price
Profits or losses are calculated and applied to your balance
Margin is returned after settlement

10.6 Admin Intervention

Platform administrators may force-close commodity holdings or futures positions at their discretion for:

Risk management and platform stability
Suspected market manipulation or abuse
Technical issues or pricing errors
Any other reason deemed necessary

Force-closed positions are settled at current market prices. The platform is not responsible for any losses resulting from admin intervention.

11 🏦 CTX Lending

11.1 Lending Services

CTX Lending provides financing to qualifying users. All loans are issued directly by CTX Lending.

11.2 Access Fees

$5,000 one-time fee to unlock lending features (browse, apply, make payments)
1% origination fee charged on all funded loans (deducted from loan amount)

11.3 Loan Terms

CTX Lending sets all loan terms including interest rates, flat fees, repayment schedules, and duration. Borrowers should carefully review all terms before applying:

Loan amounts: $1,000 to $1,000,000
Interest rates: 1% to 100%
Terms: 7 to 365 days
Repayment types: Lump sum or installments
Optional flat fees may apply in addition to interest

11.4 Collateral

Borrowers may offer collateral when applying for a loan. Acceptable collateral includes vehicles, real estate, equipment, inventory, securities, jewelry, and other valuable assets.

Collateral is optional but may improve approval chances and loan terms
Borrowers must provide accurate descriptions and valuations of offered collateral
By offering collateral, borrowers enter a legally binding agreement to surrender the specified asset(s) to the lender in the event of loan default
Misrepresentation of collateral (false ownership, inflated value, undisclosed liens) constitutes fraud and may result in immediate account termination and legal action

11.5 Late Payments

Late fees (typically 0-10%) apply to payments not received by the scheduled due date
A payment is considered late if not received within 24 hours of the due date
Borrowers are responsible for ensuring timely payment regardless of technical issues or other circumstances

11.6 Loan Default

A loan enters DEFAULT status when any of the following conditions are met:

Missed payments: Three (3) or more consecutive scheduled payments are missed
Non-payment at term end: The loan term expires with any outstanding balance remaining unpaid
Fraud or misrepresentation: Discovery of false information in the loan application
Account termination: Borrower's account is terminated for any reason while a loan balance remains

11.7 Default Consequences

Upon loan default, the following actions will be taken:

Collateral seizure: If collateral was offered, the borrower is legally obligated to immediately surrender the specified asset(s) to CTX Lending
Account freeze: The borrower's account will be frozen pending resolution
Balance seizure: Any remaining account balance may be applied toward the outstanding debt
Asset liquidation: Platform-held assets (stocks, bonds, crypto) may be liquidated to cover the debt
Permanent record: The default will be permanently recorded on the borrower's platform history
Legal action: CTX Lending reserves the right to pursue additional legal remedies for debt recovery

11.8 Creditworthiness & Approval

CTX Lending reserves the right to approve or deny any loan application at its sole discretion. Once a loan is approved and funded, the borrower is bound by all loan terms. Early repayment may be permitted based on the loan structure.

12 🎰 CTX Entertainment (Casino)

12.1 Casino Services

CTX Entertainment operates casino gaming services through the CTX platform. Available games include Blackjack, Roulette, Crash, Mines, Plinko, Coinflip, and Poker. Games may be added or removed at the platform's discretion.

12.2 House Edge & Odds

All casino games carry a built-in house edge that ensures the platform generates revenue over time. House edge varies by game:

House edge percentages differ per game and are built into payout calculations
Over time, the house is statistically expected to profit; individual sessions may vary
All casino games are games of chance — past results do not influence future outcomes

12.3 Bet Limits & Tiers

Bet limits are enforced per game and per user. Users are assigned a betting tier by administrators which determines their maximum wager:

Minimum bet: $10 across all games
Maximum bet varies by tier and game — administrators may adjust limits at any time
Individual games (e.g. Plinko, Mines) may have separate maximum bet caps

12.4 Poker

Poker is a player-vs-player game with platform-managed tables. The platform does not participate in hands. Tables have defined minimum and maximum buy-in amounts. Players who are idle or AFK for extended periods may be automatically removed from the table and cashed out.

12.5 Responsible Gaming

Casino games are intended for entertainment purposes. The platform is not responsible for any losses incurred through casino gaming. You should only wager amounts you can afford to lose. Casino access may be restricted or revoked by administrators at any time.

13 🎫 Lottery

13.1 How It Works

CTX operates lottery rounds created and managed by administrators. Each lottery has a fixed prize pool, ticket price, and maximum number of tickets. When a lottery draw occurs, one winning ticket is randomly selected.

13.2 Tickets & Limits

Ticket prices and prize pools are set per round by administrators
Per-user ticket limits may apply (set per round)
Ticket purchases are non-refundable once purchased
Ticket revenue funds the prize pool and/or platform operations

13.3 Drawing & Payouts

Winners are selected randomly by the system. The full prize pool is awarded to the holder of the winning ticket. If a lottery is cancelled before drawing, purchased tickets may be refunded at the administrator's discretion.

13.4 Odds

Your odds of winning are determined by the number of tickets you hold relative to total tickets sold. Purchasing more tickets improves your odds but does not guarantee a win.

14 🔮 Prediction Markets

14.1 Overview

Prediction Markets allow users to create and bet on binary outcome events (Yes or No). Users pool money into YES and NO sides, and when the market resolves, winning bettors split the total pool proportionally.

14.2 Creating a Market

A $100 creation fee is charged to create a new prediction market
Markets must reach a $500 minimum pool threshold within 48 hours or may be cancelled
Betting closes on a date set by the creator (maximum 30 days out)
Creators receive a 1% share of the total pool upon resolution

14.3 Fees

5% platform fee is deducted from winning payouts
1% creator fee is deducted from the total pool and paid to the market creator

14.4 Resolution

Markets are resolved by administrators based on the actual outcome of the event. Once resolved, payouts are distributed automatically. Resolution decisions by administrators are final.

14.5 Risk Disclaimer

Prediction market bets are non-refundable once placed. If you bet on the losing outcome, you lose your entire wager. The platform makes no representations about the likelihood of any outcome.

15 🏪 Marketplace

15.1 Overview

The CTX Marketplace is a peer-to-peer platform where users can list and sell goods and services to other users. Transactions are settled in CTX platform currency.

15.2 Fees

A 5% platform fee is deducted from every sale
The seller receives 95% of the listed sale price
Listing items is free

15.3 Buyer & Seller Responsibilities

Sellers are responsible for accurately representing their goods or services. Buyers should review listings carefully before purchasing. The platform does not mediate disputes between buyers and sellers and is not responsible for the quality, delivery, or condition of any items sold.

15.4 Prohibited Listings

Users may not list items or services that violate the Fair Use Policy (Section 8). The platform reserves the right to remove any listing and suspend marketplace access at its sole discretion.

16 🤝 Referral Program

16.1 How It Works

Each user receives a unique referral code. When a new user signs up using your referral code:

Referrer Bonus: You receive a one-time cash bonus (currently $1,000)
Referee Bonus: The new user also receives a one-time cash bonus (currently $1,000)
Ongoing Commission: You earn a 5% commission on trading fees generated by users you referred

16.2 Terms

Referral bonuses are paid once the referred user completes their first qualifying trade
Commission rates and bonus amounts are subject to change without notice
Commission tracking may expire after a set period
Self-referral, fake accounts, or abuse of the referral system will result in forfeiture of all referral bonuses and potential account suspension

17 💰 CTX Savings Accounts

17.1 Nature of Savings Accounts

CTX Savings Accounts are deposit accounts that earn interest through two components: a guaranteed base rate and a variable bonus rate tied to platform performance. These accounts are NOT bank accounts and are NOT insured by any government agency.

17.2 Interest Rates

Interest is paid monthly and consists of:

Guaranteed Interest: A base rate applied to your eligible balance
Bonus Interest: A variable share of platform revenue distributed proportionally among all savings account holders

⚠️ ALL RATES ARE VARIABLE AND SUBJECT TO CHANGE AT ANY TIME WITHOUT PRIOR NOTICE.

The platform reserves the right to adjust the guaranteed rate, bonus allocation percentage, and all other savings account parameters at its sole discretion. Historical returns are not indicative of future performance.

17.3 Eligibility & Holding Period

New deposits are subject to a minimum holding period before becoming eligible for interest. This period may be adjusted by the platform at any time. Interest is calculated based on your average daily eligible balance throughout the month.

17.4 Transaction Fees

The following fees apply to savings account transactions:

Deposit Fee: A percentage fee is deducted from each deposit. The net amount after the fee is credited to your savings balance.
Withdrawal Fee: A percentage fee is deducted from each withdrawal. The net amount after the fee is returned to your main balance.

⚠️ ALL FEES ARE VARIABLE AND SUBJECT TO CHANGE AT ANY TIME WITHOUT PRIOR NOTICE.

Current fee rates are displayed in the savings account interface. These fees help support platform operations and encourage long-term holding.

17.5 Deposit & Withdrawal Limits

Minimum deposit requirements may apply
Per-user balance caps may be enforced
Total pool size caps may limit new deposits
The platform may pause deposits at any time
Withdrawals are generally available on demand but may be delayed or restricted during exceptional circumstances

17.6 No Guarantee of Principal

While savings accounts are designed to preserve principal, NO GUARANTEE IS PROVIDED. In extreme circumstances (platform insolvency, security breach, regulatory action, or other force majeure events), you may lose some or all of your deposited funds.

17.7 Tax Implications

Interest earned on savings accounts may be subject to taxation in your jurisdiction. You are solely responsible for reporting and paying any applicable taxes. The platform does not provide tax advice and recommends consulting a qualified tax professional.

17.8 Modification & Termination

The platform reserves the right to modify, suspend, or terminate the savings account program at any time. In the event of termination, users will be notified and given the opportunity to withdraw their funds.

18 📈 Hedge Funds

18.1 Nature of Hedge Funds

The CTX Platform enables users to create and manage hedge funds or invest in funds managed by other users. Hedge funds are pooled investment vehicles where a fund manager makes trading decisions on behalf of investors. The platform acts as counterparty to all hedge fund trades — asset prices are derived from live market data but no real assets are held.

18.2 Fund Managers

Users who create and manage hedge funds acknowledge and agree that:

Fund creation requires administrator approval and may be revoked at any time
Managers have fiduciary-like responsibility to act in the reasonable interest of their investors
Managers set their own management and performance fee structures, which are disclosed to investors before investment
Managers may not deliberately trade against the interests of their investors (e.g. intentional loss-making trades, self-dealing, or market manipulation)
The platform may freeze or force-close any fund at its sole discretion if mismanagement, abuse, or suspicious activity is detected
In the event of a force-close, holdings will be liquidated at prevailing market prices and proceeds distributed to investors proportionally

18.3 Investors

Users who invest in hedge funds acknowledge and agree that:

Investing in a hedge fund delegates trading authority entirely to the fund manager — you have no control over individual trades
Fund managers are other users of the platform, not employees or agents of CTX or Farr Holdings & Finance
Past performance of a fund or manager is not indicative of future results
Your investment may lose some or all of its value due to the manager's trading decisions
Some funds may impose a lockup period during which redemptions are restricted
Redemption proceeds are calculated based on the fund's Net Asset Value (NAV) at the time of withdrawal, which may differ from your original investment

18.4 Limitation of Liability & Release

By investing in any hedge fund on the CTX Platform, you expressly release and hold harmless the following parties from any and all claims, losses, damages, or liability arising from trading losses incurred by the hedge fund:

Farr Holdings & Finance (platform operator)
Capital Trading Exchange (CTX) (platform)
The fund manager (for bona fide trading losses — this release does not extend to fraud, deliberate sabotage, or gross negligence)
Any directors, officers, employees, or affiliates of the above

You accept that investment losses — including total loss of principal — are an inherent risk of hedge fund participation, and that no party owes you compensation for losses resulting from legitimate trading activity.

18.5 Fund Transparency

Funds operate under one of two transparency models:

Transparent Funds: All holdings, trades, and NAV calculations are visible to investors in real-time
Opaque Funds: Only the fund's overall NAV and performance metrics are visible; individual holdings and trades are concealed. Investing in an opaque fund carries additional risk as you cannot independently verify the manager's strategy

18.6 Fees & Revenue

Hedge fund fees are structured as follows:

Management Fees: Charged periodically (weekly or monthly) as a percentage of AUM, set by the manager at fund creation
Performance Fees: Charged on profits above the high-water mark, set by the manager at fund creation
Trading Commissions: A 0.5% commission is charged on all fund trades by the platform
Platform Revenue Share: The platform collects 10% of all management and performance fees earned by managers
Fee structures are fixed at fund creation and cannot be altered after investors have contributed capital

18.7 Platform as Counterparty

The CTX Platform acts as the counterparty to all hedge fund trades. This means that when a fund profits from a trade, the platform bears the cost; when a fund loses on a trade, the platform benefits. Asset prices are derived from live external market data. No real-world securities, commodities, or financial instruments are purchased or held.

18.8 Administrative Controls

The platform reserves the right to, at any time and at its sole discretion:

Freeze trading activity on any fund
Force-close and liquidate any fund
Revoke a user's ability to create or manage funds
Adjust platform commission or revenue share rates with reasonable notice
Impose minimum or maximum fund sizes, investment limits, or asset restrictions

19 ⚖️ Anti-Money Laundering & Source of Funds

19.1 Lawful Source of Funds

By depositing funds into this platform, you represent and warrant that:

All funds deposited are derived from lawful sources
The funds are not the proceeds of any criminal activity, including but not limited to fraud, theft, embezzlement, drug trafficking, or any other illegal enterprise
You are the rightful owner of all funds deposited, or have proper legal authorization to use them
The funds are not being used to conceal the nature, location, source, or ownership of proceeds from unlawful activity

19.2 Prohibition on Money Laundering

You agree NOT to use this platform to:

Launder money or engage in any activity that disguises or conceals the origin of funds
Participate in any criminal enterprise or pattern of criminal activity
Transfer, convert, or exchange funds known or suspected to be derived from illegal activity
Assist others in any of the above activities

19.3 Compliance & Cooperation

You agree to cooperate with any investigation into suspected money laundering or fraud. The platform reserves the right to:

Freeze or suspend accounts pending investigation
Report suspicious activity to relevant authorities
Refuse to process transactions deemed suspicious
Request additional documentation regarding source of funds

19.4 Penalties

Money laundering is a serious criminal offense. Violations may result in immediate account termination, forfeiture of funds, and referral to law enforcement authorities for criminal prosecution.

20 🔒 Privacy & Confidentiality

20.1 Confidentiality Commitment

The CTX platform by Farr Holdings & Finance is committed to protecting the privacy of its users. All user data, account information, trading activity, investment holdings, and financial records are held in strict confidentiality.

20.2 Data Protection

We will not voluntarily disclose, sell, share, or distribute any user information to third parties. This includes but is not limited to:

Personal identification information
Account balances and transaction history
Investment holdings and trading positions
Deposit and withdrawal records
Any other financial or personal data

20.3 Legal Disclosure

User data will only be released to external parties if the CTX platform is served with a valid court order or legal process compelling its disclosure. In such cases:

Disclosure will be limited to only what is legally required
We will comply with applicable legal obligations
Where permitted by law, affected users may be notified

20.4 Internal Use

User data may be used internally by the CTX platform for platform operation, security monitoring, fraud prevention, and compliance purposes.

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