LumoxCapital is committed to providing a secure, transparent, and professional Bitcoin investment platform. This Investment Policy sets out the rules, procedures, and responsibilities for all investors using our platform. By investing through LumoxCapital, users acknowledge and accept the terms outlined herein.

1. Scope of Investment

1.1 LumoxCapital offers Bitcoin-based investment plans with defined durations and daily or periodic profit accruals.

1.2 Available investment plans vary in term length, minimum deposit requirements, and daily profit rates.

1.3 All investments are denominated in Bitcoin (BTC). No fiat deposits are accepted directly on the platform.

1.4 Investors are responsible for transferring the correct amount of BTC to their designated wallet addresses on the platform. Failure to do so may delay or invalidate investment activation.

2. Risk Disclosure

2.1 Cryptocurrency investments are inherently volatile. The value of Bitcoin can fluctuate significantly in short periods due to market demand, liquidity constraints, technological developments, and regulatory changes.

2.2 Investors acknowledge that there is a risk of partial or total loss of capital.

2.3 LumoxCapital does not guarantee investment profits beyond the stated plan returns and is not liable for losses caused by market volatility, technical issues, or third-party service disruptions.

2.4 Users should carefully assess their risk tolerance before committing capital to any investment plan.

3. Investment Activation and Procedure

3.1 Account Verification

• Investors must complete registration and full KYC verification before investing.

• Verified accounts ensure compliance with AML/KYC regulations and secure the investor’s assets.

3.2 Investment Submission

• Investors select a plan and deposit the exact BTC amount indicated.

• Deposits must be made to the platform-generated BTC wallet address.

3.3 Confirmation & Activation

• Once the BTC deposit is confirmed on the blockchain, the investment plan is activated automatically.

• Activation triggers daily profit accrual according to the plan’s terms.

3.4 Investment Tracking

• Investors can monitor their capital and profit accrual in real-time via their account dashboard.

• The platform provides a detailed history of all deposits, profits, and withdrawals.

4. Profit Calculation & Distribution

4.1 Profits are calculated according to the plan’s daily or periodic interest rate.

4.2 Profit accruals are automatically added to the investor’s account balance.

4.3 Capital is returned at the end of the plan duration, along with accumulated profits.

4.4 Early withdrawals may be restricted depending on the investment plan, and may incur penalties or forfeit a portion of profits.

4.5 Example:

• Plan: 0.8% daily for 365 days

• Investment: 0.002 BTC

• Daily profit: 0.002 × 0.008 = 0.000016 BTC

• Total profit at the end: 0.000016 × 365 = 0.00584 BTC

• Total return including capital: 0.002 + 0.00584 = 0.00784 BTC

5. Fees & Charges

5.1 Withdrawal fees, if any, are disclosed clearly in the platform dashboard.

5.2 Administrative fees may apply for specific services, including currency conversion or delayed withdrawals.

5.3 All applicable fees are automatically deducted from the user’s account at the time of withdrawal or transaction processing.

6. Investor Responsibilities

6.1 Investors must provide accurate personal and financial information during account registration.

6.2 Investors are responsible for safeguarding their account credentials. LumoxCapital is not liable for unauthorized access resulting from user negligence.

6.3 Users must comply with local laws regarding cryptocurrency investments.

6.4 Investors should maintain updated contact information to receive notifications, investment confirmations, and alerts.

6.5 Any suspicious or fraudulent activity must be reported to LumoxCapital immediately.

7. Platform Responsibilities

7.1 LumoxCapital ensures the security of user funds through encrypted wallets, secure servers, and multi-layer authentication.

7.2 The platform is responsible for processing investments, calculating profits, and returning capital according to plan terms.

7.3 LumoxCapital reserves the right to suspend accounts for investigation if fraudulent or illegal activity is suspected.

7.4 LumoxCapital commits to transparency in all transactions and provides real-time updates via the investor dashboard.

8. Amendments & Policy Updates

8.1 LumoxCapital may update this Investment Policy to reflect changes in regulatory requirements, platform operations, or market conditions.

8.2 Users will be notified of significant changes via platform announcements or registered email.

8.3 Continued investment after policy updates constitutes acceptance of the amended policy.

9. Contact & Support

Investors may contact LumoxCapital’s support team for any inquiries, complaints, or clarifications related to this Investment Policy. Our support team is available 24/7 via email, chat, or the platform’s ticketing system.