Please read the following Terms and Conditions for using the Felmina.com (the Website). By using the Website and the information and services available through the Website, you agree to follow and be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, do not use the Website.

I. General Terms.

• We reserve the right to modify the terms and conditions at our sole discretion and without prior notice. You agree to review these terms and conditions on a regular basis.
• You accept and agree to abide by these terms indefinitely from the moment you have opened an account at Felmina.com.
• Although Felmina.com may provide information and/or content related to investment opportunities to buy or sell securities, you should not construe any such information as investment, financial, tax, legal, or other advice. You alone will bear the sole responsibility for evaluating the merits and risks associated with the use of any data, information, or content on the Website before making any decisions based on such data, information, or content.
• 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.
• The Website is intended only for your personal, non-commercial use. You may download information from the Website to your computer and print out a hard copy for your personal reference, provided that you agree not to remove any copyright or other notices contained therein.
• By using the Website you state that you are of legal age in the country in which you reside. The actual legal age may differ from one country to another.
• Because of the global nature of the Internet, you agree to abide by all local rules regarding online conduct, including all laws, rules, and regulations of the country in which you reside and the country from which you access this Website.

II. Investment Terms.

• The minimum initial deposit requirement is $20.00 for Plan 1, $1,000.00 for Plan 2, and $5,000.00 for Plan 3.
• The minimum requirement for all e-currency and bank wire transfer deposits is $20.00 and $500.00 respectively.
• The minimum requirement for additional deposits from available balances in your Felmina.com account is $0.30.
• The account principal lock-in term is 180 business days from the date of the initial deposit into an account.
• The minimum withdrawal amount requirement is $0.30 for all e-currency withdrawals.
• The minimum withdrawal amount requirement is $500.00 for all bank wire transfer withdrawals.
• The actual daily interest is calculated based on the actual account principal amount in your Felmina.com account.
• The interest of 1.0% per business day is paid on all account principals from $20.00 to $999.99.
• The interest of 1.25% per business day is paid on all account principals from $1,000.00 to $4,999.99.
• The interest of $1.6% per business day is paid on all account principals from $5,000.00 and above.
• Once the account principal amount in an account reaches the minimum required for a more profitable investment plan, the account will be automatically switched to that plan.
• An individual interest rate can be assigned to accounts with significant account principal amounts.
• The interest payments are processed every business day Monday through Friday at 5 p.m. EST (UTC-5).
• Business days are all calendar days from Monday through Friday except for official holidays.
• Under the basic compounding option, you can change the compounding rate at any time and as often as you wish.
• Under the enhanced compounding option, you cannot modify the compounding rate or cancel the choice of the enhanced compounding option during the selected term under any circumstance.
• Under the enhanced compounding option, you can switch to a longer fixed term at any time.

III. Refund Policy.

• We do not issue refunds.
• All transactions are irreverible.

IV. Privacy Statement.

• We are committed to protect your personal information.
• We do not sell or rent your personal information to anyone.
• We employ 24/7 physical and electronic measures that restrict unauthorized access to your personal information.
• We thoroughly instruct our employees about privacy and limit access to personal information.

IV. Anti-spam Policy.

• We at Felmina.com do not tolerate spam in any of its forms. Any member caught spamming will permanently lose membership.
• We urge all our members to immediately report any cases of spam relating to Felmina.com in any way.

VI. Copyright Information.

• Felmina Alliance Inc. is the sole owner of all of content presented on the website.
• The reproduction, modification, distribution, transmission, and republication of the contents of this website are strictly prohibited without prior written permission from Felmina Alliance Inc.