Terms & Conditions

These terms and conditions (the “Terms and Conditions”) apply to the provision of certain investment services to you by Vault Wealth Limited (“Vault”, “us”, “our”, “we”), in relation to your Account. Vault is a company incorporated and registered in the Abu Dhabi Global Markets (“ADGM”) and regulated by the ADGM Financial Services Regulatory Authority (“FSRA”). These Terms and Conditions contain important information regarding the services that we will provide to you for your own protection. You should read them carefully before accepting them. If you do not understand anything in these Terms and Conditions, please visit www.vaultwealth.com and contact us for further information. These Terms and Conditions form an agreement between you and Vault (the “Agreement”). This Agreement constitutes a client agreement for the purposes of the FSRA and will come into force when you indicate your acceptance of its terms by typing in your full name and clicking the "Submit” button at the bottom of the screen.

In this Agreement:

“Account” means the account opened by you with IBKR pursuant to this Agreement and the IBKR Account Terms for use with your Investment Strategy.

“FSRA Rules” mean the rules and guidance applicable to the provision of financial advisory services as issued by the FSRA from time to time.

“IBKR Account Terms” means the terms and conditions applicable to your Account with IBKR.

“IBKR/Broker”” means Interactive Brokers, a broker dealer registered with the Securities and Exchange Commission and member of the Financial Industry Regulatory Authority, CRD#:36418.

“Investment Execution” means the process by which Vault executes a transaction in accordance with your Investment Strategy.

“Investment Methodology” means the one or more methodologies informing an Investment Strategy as described in the User Guide (link).

“Investment Portfolios” means either a Diversified Portfolio or a Thematic Portfolio, each as described in the User Guide (link).

“Investment Strategy” means the investment in one or more Investment Portfolios incorporating one or more Investment Methodologies adopted in accordance with your investment goals.

“Professional Client” means investors with at least USD1,000,000 in net assets and currently, or has worked in the last two years, in a regulated financial institution or has sufficient experience and understanding of relevant financial markets, products and associated risks.

“Priority Accounts” means Accounts with an average monthly balance of between USD100,000 and USD1,000,000.

“Private Accounts” means Accounts with an average monthly balance of more than USD1,000,000.

“Retail Client” means an investor who is not a Professional Client.

“Recommended Allocation” means an allocation of investments amongst Diversified Portfolios, informed by your risk appetite.

“User Guide” means the guide to the use of the Vault platform, available at https://vaultwealth.com/user-guide.

“Website” means www.vaultwealth.com.