This document sets out the general terms (the 'Terms') for using the Mercer Vaultcrest platform. It governs the rights and obligations between you as a user and the platform operator. Please read these Terms carefully and in full before using the platform, opening an account or executing transactions. They form the legal basis of use and are binding on both parties.
By registering, logging in, using the offered features or carrying out other activities on Mercer Vaultcrest you expressly and fully accept these Terms of Use. Use of Mercer Vaultcrest is permitted only for persons aged 18 or over. Minors or persons not fully legally competent must not use the platform. If we suspect a breach of this age requirement we reserve the right to block, restrict or delete accounts.
The operation of the platform may be subject to temporary technical interruptions, maintenance windows, updates or outages – e.g. due to market fluctuations, high server load or external events. We strive for high availability but cannot guarantee uninterrupted operation. Features, algorithms, pricing models or available markets may be expanded, changed, restricted or discontinued at any time without claims against Mercer Vaultcrest.
All platform content – text, graphics, design, software, algorithms, trademarks, logos and AI-based analyses – is protected by copyright, trademark and other rights and is the property of Mercer Vaultcrest or its licensors. Any reproduction, distribution, public disclosure or commercial use without our express written consent is prohibited and may have civil and criminal consequences.
As a user you are responsible for ensuring that all information provided (e.g. identification data, contacts, payment details) is correct, complete and up to date. False or misleading information may lead to account suspension, withholding of withdrawals or legal action. Your personal data will be processed only in accordance with our privacy policy and the GDPR. We apply high security and transparency standards.
All investment and trading decisions you make via Mercer Vaultcrest – whether manually or through AI automation – are your sole responsibility and at your own risk. Mercer Vaultcrest provides technical infrastructure but does not offer personal financial advice, recommendations or guarantees of profit. Financial markets (including stocks and cryptocurrencies) can be highly volatile and may result in the total loss of invested capital. Past performance is not a reliable indicator of future results. Invest only amounts you can afford to lose.
We reserve the right to update or amend these Terms at any time – for example due to regulatory changes, technical developments or new market requirements. We will notify you in good time (typically at least 14 days beforehand) by email, platform messages or on the website. Continued use of the platform after the changes take effect constitutes acceptance. For material changes you may close your account.
Security and transparency are core principles of our activity. We use modern encryption technologies, conduct regular security reviews, hold customer funds in segregated accounts and apply strict compliance processes (KYC/AML) to provide the highest level of protection. All procedures and transactions are documented clearly and traceably. We are committed to fair, honest and customer-focused cooperation: your trust is our most valuable asset.
