This SuperEx Financial Services Agreement (hereinafter referred to as the “Agreement”) is entered into between you and the entity operating the Earn services on the SuperEx platform (hereinafter referred to as “SuperEx,” “we,” or “us”) in relation to digital asset Earn services. It applies to your use of the services described herein through the SuperEx website, App, and other officially supported channels.
Please read this Agreement carefully before subscribing, particularly the provisions concerning asset utilization, earnings calculations, early redemption, crediting times, risk allocation, and limitations of liability. Digital asset Earn products involve risks including price volatility, liquidity, technical, and counterparty risks, which may result in losses of principal or earnings. Estimated earnings, reference annual percentage rates, and historical earnings do not constitute promises of future returns.
By voluntarily checking the box to agree to this Agreement and submitting the relevant application, you acknowledge that you have read, understood, and accepted this Agreement and the applicable product rules. If you do not understand or accept any relevant provisions, please do not submit an application. You may contact official customer support for clarification.
1. Scope of the Agreement and Applicable Rules
1.1 This Agreement applies to the digital asset Flexible Earn and Fixed-Term Earn services provided by SuperEx, together with related subscription, redemption, earnings settlement, automatic subscription to Flexible Earn upon maturity, and account and transaction record inquiry services.
1.2 This Agreement does not automatically apply to collateralized lending, futures trading, copy trading, or other services governed by separate service agreements.
1.3 This Agreement, the SuperEx User Agreement, the Privacy Policy, and the product descriptions and promotional rules confirmed by you at the time of subscription collectively constitute the terms governing your use of the Services. Accessible versions of all relevant documents shall be made available before your confirmation.
1.4 Product-specific matters, including assets, terms, interest rates, interest calculation methods, redemption conditions, and fees, shall be governed by the express terms confirmed by you at the time of subscription. Product-specific terms shall prevail over the general provisions of this Agreement. The provisions of this Agreement specifically governing Earn services shall prevail over the general provisions of the User Agreement, provided that they do not violate mandatory requirements of applicable law.
1.5 Subsequent changes to page content, promotional activities, or product listings or delistings do not, by themselves, alter the terms of orders already established. Any changes affecting products already held shall be handled in accordance with Section 11 of this Agreement.
2. User Eligibility and Representations
2.1 You must have the legal capacity required to enter into this Agreement. Individuals must be at least 18 years old and meet the contractual age requirements under applicable law. Persons acting on behalf of an organization must possess valid legal authorization.
2.2 Your use of the Services must comply with the laws of your country or region and satisfy the service availability, identity verification, and product eligibility requirements published by the platform. You must not circumvent such restrictions through false information or other means.
2.3 You represent that the information you provide is true, accurate, and complete and undertake to update it promptly. SuperEx may, to the extent lawful and necessary, require identity verification, explanations of the source of funds, or other compliance reviews.
2.4 The digital assets used for subscription must be lawfully obtained, and you must have the legal right to dispose of them. You must not use the Services for money laundering, fraud, illegal fundraising, sanctions evasion, or activities that infringe upon the rights of third parties.
2.5 You shall independently decide whether to participate in the Services based on your financial circumstances, funding needs, and risk tolerance. Product introductions, earnings estimates, and general explanations provided by the platform do not constitute investment advice tailored to your individual circumstances.
3. Service Description and Asset Authorization
3.1 Within the range of products made available by the platform, you may select the asset, product type, term, and subscription amount, and view the corresponding holdings, earnings, and transaction records.
3.2 By submitting a subscription application, you authorize SuperEx to transfer or freeze the corresponding digital assets from the designated account in accordance with the order you have confirmed and, once the subscription is established, allocate those assets to the relevant Earn product. If the subscription is not established, the assets concerned shall be unfrozen or returned according to the application processing result.
3.3 This Agreement does not constitute a blanket authorization for SuperEx to use assets held in your other accounts, nor does it authorize SuperEx to use subscribed assets for purposes that have not been disclosed and to which you have not consented.
3.4 Unless expressly provided for in the product terms and agreed to by you, subscriptions, earnings settlements, and principal repayments shall be made using the digital assets specified for the corresponding product. Fiat currency, USDT, or BTC equivalent values displayed in the account are for reference only and do not indicate that a conversion has occurred or guarantee the value after conversion.
4. Subscriptions and Earnings Calculations
4.1 Before subscribing, you shall verify the asset, amount, term, minimum subscription amount, subscription limit, remaining quota, applicable interest rate, interest accrual start time, earnings payment time, redemption conditions, and other important information.
4.2 Subscription applications are subject to available balances, product quotas, account status, and eligibility requirements. Submission of an application or display of the status “Subscription Processing” merely indicates that the application has entered the processing workflow. Whether the subscription is established and when interest accrual begins shall be determined by the actual processing result and the rules confirmed at the time of subscription.
4.3 The annual percentage rate is an annualized indicator used to express the level of earnings and is not equivalent to the actual rate of return over the product term. Actual earnings shall be calculated based on the eligible interest-bearing amount, applicable rate, actual accrual period, and product terms.
4.4 Flexible Earn products may use floating interest rates, while Fixed-Term Earn products use fixed interest rates. Fixed-rate orders shall be governed by the confirmed interest rate throughout the agreed period. Clearly agreed fixed interest calculation rules must not be arbitrarily changed merely on the grounds that earnings are described as “reference earnings” or “estimated earnings.”
4.5 Promotional rate increases or other rewards apply only to users, amounts, and periods that meet the relevant promotional conditions. The calculation conditions, limits, and payment arrangements for base earnings and bonus earnings shall be disclosed separately. Amounts exceeding the applicable scope are not automatically entitled to bonus rewards.
4.6 The earnings calculator provides estimates based solely on assumed conditions. A three-year earnings estimate does not mean that the actual product term is three years, does not constitute a commitment that the same rate will apply continuously, and does not indicate automatic reinvestment upon maturity. Estimated results do not constitute an order or a guarantee of earnings.
4.7 Earnings calculation precision, settlement precision, and the treatment of fractional remainders shall follow the rules disclosed at the time of subscription. Truncation, concealment, or conversion of amounts on the page for readability shall not alter your actual asset entitlements.
4.8 Unless expressly stated otherwise for a product, business dates and times shall use UTC+8. Products shall distinguish between application time, interest accrual start time, maturity time, earnings payment time, and principal crediting time.
5. Flexible Earn and Redemption
5.1 Flexible Earn has no fixed holding period. You may request redemption of all or part of your redeemable assets in accordance with the product rules, excluding assets that are frozen, reserved, or otherwise unavailable for redemption.
5.2 You shall enter and confirm the redemption amount on the Flexible Earn redemption page and submit the application after checking the redeemable balance, estimated crediting time, and relevant notices.
5.3 The time at which redeemed assets cease accruing interest and the treatment of earnings for the current period shall be governed by the rules disclosed at the time of subscription. Acceptance of a redemption request, cessation of interest accrual, and actual crediting of principal may occur at different times.
5.4 Information displayed on the page, such as “Expected to arrive within 5 minutes,” represents an estimated processing time under normal conditions. In the event of an exception, SuperEx shall explain the reason for the delay, the order status, and the expected processing arrangements, and shall provide timely updates on the processing progress.
5.5 After a redemption request has been accepted but before the principal has been credited, you may not reuse the assets pending return. Once credited, you may verify the result in the designated receiving account and redemption records.
6. Fixed-Term Earn, Maturity Handling, and Early Redemption
6.1 Fixed-Term Earn products operate according to the term selected and confirmed by you. Whether a product supports early redemption shall be clearly displayed before subscription.
6.2 For products that do not support early redemption, you are generally required to hold them until the agreed maturity time. This provision does not restrict special circumstances that must be handled under applicable law or separately specified exit mechanisms under the product terms.
6.3 For products that support early redemption, you shall verify the redemption amount, accumulated earnings, earnings adjustment rules, estimated actual amount to be returned, and crediting time before submission. Whether early redemption will result in a reduction or recovery of earnings already received shall be clearly disclosed before subscription and highlighted again during redemption confirmation.
6.4 Early redemption of Fixed-Term Earn products under the Services is processed for the entire corresponding order, and the redemption amount cannot be modified independently. Once an early redemption application has been confirmed and accepted, it generally cannot be withdrawn. Where a product expressly provides a withdrawal mechanism, that mechanism shall apply.
6.5 Where earnings are subject to recovery, SuperEx shall clearly display the calculation basis and the amount to be recovered. If the available earnings are insufficient, the handling procedures confirmed by you at the time of subscription shall apply. Without an express agreement and authorization, assets must not be deducted from your other unrelated accounts.
6.6 Upon maturity of a Fixed-Term Earn product, principal repayment and earnings settlement shall be handled in accordance with the order terms. If automatic subscription to Flexible Earn upon maturity is enabled, Section 7 shall apply.
6.7 The estimated crediting times for early redemption and normal maturity shall be governed by the rules confirmed for the corresponding order. Where business days are involved, the applicable definition of a business day shall be clearly specified. Processing periods for different products must not be uniformly represented as having the same crediting time.
6.8 “Redemption Confirmed” or “Redeeming” indicates that the application is still being processed and does not mean that the principal has been credited. Final crediting shall be determined by the actual account entry, and you have the right to request verification of the processing result.
VII. Automatic Subscription to Flexible Earn Upon Maturity
7.1 You may independently choose whether to enable automatic subscription to Flexible Earn upon maturity, where supported by the product. This feature requires your explicit authorization. The Platform shall not deem it enabled solely because you have accepted this Agreement.
7.2 Once enabled, SuperEx will, upon maturity of the Fixed Earn product and satisfaction of the applicable settlement conditions, use the corresponding principal to subscribe to an eligible Flexible Earn product denominated in the same cryptocurrency, in accordance with the arrangements you have confirmed. Interest earned during the Fixed Earn term will not automatically be included in this subscription unless you have provided separate, explicit authorization.
7.3 Assets subscribed to Flexible Earn automatically will be subject to the Flexible Earn product rules and interest rates disclosed and applicable at the time of execution. The term or interest rate of the original Fixed Earn product will not carry over.
7.4 You may revoke an automatic subscription authorization that has not yet been executed through the previously disclosed channels and before the specified deadline. Such revocation will not affect subscription orders that have already been established.
7.5 If automatic subscription cannot be executed due to product delisting, insufficient available capacity, account restrictions, or other reasons, the Platform shall display the failure result and handle the principal upon maturity in accordance with the original product terms. The Platform shall not switch the principal to another cryptocurrency or another type of product without authorization.
VIII. Accounts, Interest, and Records
8.1 You may view your Earn holdings, subscription records, redemption records, and interest records through the Platform. Access points for these functions may differ across clients, but the asset rights and applicable rules for the same order shall remain consistent.
8.2 Cumulative interest, pending interest, and available interest have different meanings. Cumulative interest does not equal the balance currently available for withdrawal. Interest that has been transferred out, frozen, or reserved shall not be counted again as available interest.
8.3 Through the interest withdrawal function, you may transfer available interest to a designated account in accordance with the applicable rules. Withdrawing interest does not in itself constitute redemption of principal, nor does it automatically reduce historical cumulative interest.
8.4 New and legacy Earn products shall be recorded according to their respective orders and business sources. Displaying consolidated account valuations does not mean that new and legacy orders are subject to the same subscription, interest accrual, or redemption rules.
8.5 If you identify any abnormalities in your assets, interest, or records, please submit a verification request through official customer support. SuperEx shall retain the necessary records and explain the verification results. Corrections of verifiable errors, such as duplicate credits or calculation errors, shall be supported by evidence and detailed adjustments, without prejudice to your right to raise objections or seek remedies.
IX. Risk Disclosure and Allocation of Liability
9.1 Market Risk. Digital asset prices may fluctuate significantly. Even if the quantity of assets held increases, their fiat currency value may decline. Stablecoins may also lose their peg, and their issuers may default or impose redemption restrictions.
9.2 Interest Risk. Changes in floating interest rates, promotional conditions, or the actual quantity of assets accruing interest may result in returns lower than expected. Historical returns and calculation estimates do not guarantee future performance.
9.3 Liquidity Risk. Fixed-term lockups, concentrated redemptions, fund settlements, or counterparty performance failures may prevent assets from being recovered immediately. The ability to submit a redemption request for a Flexible Earn product does not guarantee immediate receipt of assets under all circumstances.
9.4 Credit and Asset Custody Risk. Where a product involves the holding or use of assets by the Platform or third parties, mismanagement, default, bankruptcy, or other events affecting the return of assets may occur. The relevant product description shall disclose the specific asset rights, segregation arrangements, and risks associated with the recovery of claims.
9.5 Technology and Security Risk. System failures, communication interruptions, cyberattacks, account compromises, or abnormalities in underlying blockchain networks may affect service availability, information display, and asset processing.
9.6 Legal and Regulatory Risk. Changes in regulatory policies, judicial measures, or requirements in service jurisdictions may result in restrictions, adjustments, or discontinuation of certain products.
9.7 Unless otherwise expressly provided under a legally enforceable protection arrangement, this service does not guarantee the principal or any minimum return. You shall not regard a product as a bank deposit or assume that it is covered by deposit insurance merely because terms such as “Earn” or “interest” are used.
9.8 Risk disclosures do not relieve SuperEx of its contractual obligations. Both parties shall bear liability in accordance with their respective fault, breaches of contract, causation, and applicable laws. This Agreement does not exclude or limit any liability that cannot lawfully be excluded or limited.
X. Service Modifications, Interruptions, and Termination
10.1 SuperEx may suspend new subscriptions, restrict certain functions, or terminate relevant services due to compliance requirements, security incidents, necessary maintenance, product operational adjustments, or other reasonable grounds.
10.2 Such measures shall be proportionate to the actual reasons and scope of impact. Where permitted by law and practicable, SuperEx shall promptly notify affected users, explaining the scope of the measures, arrangements for existing orders, and methods for resuming or exiting the service.
10.3 In the event of delayed asset transfers or service interruptions, SuperEx shall take reasonable measures to mitigate the impact, facilitate resolution, and provide status inquiries. Such events do not automatically relieve SuperEx of existing obligations to return assets, settle interest, or fulfill other contractual duties.
10.4 Where material changes are made to this Agreement, particularly changes involving asset usage, fees, interest, redemption restrictions, or allocation of liability, appropriate notice shall be provided before such changes take effect.
10.5 Orders that have already been established shall, in principle, continue to be performed in accordance with their original terms. Where adjustments are necessary due to legal requirements or a separate valid agreement between the parties, the basis for the adjustments, their impact, and subsequent handling arrangements shall be clearly specified. The Platform shall not retroactively diminish your vested rights merely by updating a webpage.
10.6 Your discontinuation of the service or termination of this Agreement shall not affect rights and obligations arising before termination. Outstanding principal, interest, fees, and disputes shall continue to be handled.
XI. Information Protection, Notices, and Account Security
11.1 SuperEx shall process your personal information in accordance with applicable laws and its Privacy Policy, to the extent necessary to provide services, fulfill compliance obligations, protect account security, and resolve disputes.
11.2 Disclosure of information to service providers or other third parties shall have a lawful basis and be limited to what is necessary. This Agreement does not constitute unlimited authorization for unrelated uses of personal information.
11.3 You shall properly safeguard your account password, verification codes, and other authentication information. If you discover unauthorized activities or account abnormalities, please promptly notify SuperEx through official channels. The Platform shall take reasonable protective measures based on the verification results.
11.4 SuperEx may send service notices through in-platform notifications, App messages, email, or other agreed channels. You shall keep your contact information valid and up to date. The methods and legal effect of notices concerning material changes and asset disposal shall comply with applicable laws and the agreements between the parties.
XII. Dispute Resolution and Miscellaneous Provisions
12.1 If any dispute arises concerning orders, interest, redemptions, asset processing, or the performance of this Agreement, you may submit the order number, relevant dates and times, and supporting materials through SuperEx official customer support. Both parties shall first attempt to resolve the dispute through consultation.
12.2 If any provision is held invalid or unenforceable, the validity of the remaining provisions shall not be affected to the extent permitted by law. Both parties shall handle the resulting rights and obligations in accordance with applicable laws.
12.3 The Platform shall provide you with accessible versions of this Agreement and the corresponding product rules. Electronic confirmations and order records may serve as evidence of transactions and agreed terms between the parties, without restricting your right to submit other evidence or raise objections.
User Acknowledgment
I have read and understood this Agreement and the specific rules of the selected product. I acknowledge the risks associated with digital asset price fluctuations, changes in returns, redemption restrictions, delayed asset transfers, and potential loss of principal. I confirm that the assets used for subscription originate from lawful sources and agree to use this service in accordance with the asset usage, interest calculation, and redemption rules that have been clearly disclosed to and confirmed by me.