Welcome to NorthcrestCapital. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and NorthcrestCapital (“Company”, “we”, “us”, or “our”) governing your access to and use of our websites, platforms, mobile applications, and services (collectively, the “Services”).
Please read these Terms carefully before using any part of our Services. By accessing or using the Services, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree with these Terms, you must not access or use our Services.
NorthcrestCapital operates under applicable regulatory frameworks, including the Money Services Business (MSB) registration in the United States. Our services are designed for users who meet specific legal and regulatory standards, and our platform is not available to all jurisdictions or user categories.
These Terms apply to:
All services, content, technologies, and features offered by NorthcrestCapital
Users accessing our services through web browsers, mobile apps, APIs, or integrated platforms
Both individual retail users and institutional clients who register, transact, or interact with our platform
This agreement governs:
Your rights and obligations as a user
Our responsibilities in delivering secure, AI-powered financial services
The limitations, disclaimers, and legal protections applicable to both parties
We may update these Terms from time to time. Any changes will take effect upon publication. Continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.
To use NorthcrestCapital’s Services, you must:
Be at least 18 years of age or the legal age of majority in your jurisdiction, whichever is greater
Possess the legal capacity to enter into binding contracts
Not be acting on behalf of another person or entity unless authorized to do so
By accessing our Services, you represent and warrant that you meet these eligibility requirements.
Access to our Services is prohibited in jurisdictions where:
Local laws prohibit the offering or use of cryptocurrency, AI-based trading, or financial technology platforms
You are listed on any government or international sanctions list (e.g., OFAC, EU sanctions)
You are a resident, national, or located in a region designated as a restricted territory by our compliance policy
NorthcrestCapital reserves the right to block or terminate access from users in any restricted or high-risk jurisdictions without prior notice.
If you are accessing the platform on behalf of a company, organization, or institution:
You represent that you are authorized to bind that entity to these Terms
You agree that the entity will be fully responsible for your actions while using the platform
Institutional accounts may require enhanced due diligence and verification procedures
You agree not to:
Create more than one account per person or entity
Use the platform for any unlawful, fraudulent, or abusive purpose
Engage in market manipulation, money laundering, or sanction evasion
Attempt to bypass security mechanisms, exploit bugs, or reverse engineer the platform
Access or use the Services through automated means (except via authorized APIs)
Violation of these restrictions may result in account suspension, termination, legal action, and/or reporting to relevant authorities.
To access the full functionality of NorthcrestCapital’s Services, you must create a verified user account. During registration, you agree to:
Provide accurate, complete, and up-to-date information
Promptly update your information if there are any changes
Undergo Know Your Customer (KYC) and Anti-Money Laundering (AML) verification, as required by law and platform policy
You may not use false identities or provide misleading documentation during the registration process.
You are solely responsible for maintaining the confidentiality and security of your:
Login credentials (e.g., username, password)
Two-factor authentication (2FA) tokens
Account recovery methods
You agree not to:
Share your credentials with anyone
Allow others to access your account
Use another person’s account without express authorization
Any activity conducted through your account is presumed to be yours. If you suspect unauthorized access or a security breach, you must notify us immediately through the secure in-platform communication channels.
Each user is permitted to maintain only one account unless otherwise authorized in writing by NorthcrestCapital. Creating multiple accounts to bypass restrictions, receive additional benefits, or manipulate the system is strictly prohibited.
We reserve the right to:
Reject or deny account applications for any reason permitted by law
Suspend or terminate accounts in cases of suspected fraud, policy violations, or regulatory non-compliance
Freeze assets and access in response to legal orders or security threats
You may close your account at any time by submitting a request through the platform. Please note that some data may be retained in accordance with regulatory requirements and our Privacy Policy.
NorthcrestCapital provides access to a suite of AI-driven financial technologies, including but not limited to:
Quantitative trading strategies and execution systems
Real-time market analytics and algorithmic insights
Portfolio monitoring and performance reporting tools
Secure access to investment instruments, API integrations, and research content
These Services are provided to support your decision-making but do not constitute financial, tax, or legal advice.
You acknowledge and agree that:
All investments carry inherent risk, including the risk of loss of capital
Past performance is not indicative of future results
NorthcrestCapital does not guarantee any returns, profits, or investment outcomes
The value of assets may fluctuate due to market conditions, political events, or external shocks
You are solely responsible for evaluating the suitability of our Services to your financial situation and risk tolerance.
Users may not engage in any of the following:
Use of the platform for price manipulation, front-running, spoofing, or wash trading
Exploiting system vulnerabilities, errors, or unpublicized algorithms
Circumventing usage restrictions, rate limits, or API terms
Interfering with or disrupting other users’ experience or platform operations
Uploading or transmitting malicious code or unauthorized data
We reserve the right to investigate and take enforcement action against any suspicious or abusive behavior.
NorthcrestCapital retains the right to:
Monitor all transactions and activities on the platform
Restrict or block access to certain features, accounts, or regions
Adjust system configurations to preserve market integrity, security, and performance
Enforce temporary or permanent suspensions as necessary
Use of the platform is at your own risk. We recommend consulting licensed financial advisors before making investment decisions based on our tools or data.
NorthcrestCapital provides authorized users and institutions with access to select Services via Application Programming Interfaces (“APIs”). This section outlines the conditions under which API access is granted and the rules that govern its use.
Access to the API is available only to users who have completed enhanced verification and received explicit approval.
Upon approval, users will be issued a unique API key, which must be securely stored and used solely for permitted purposes.
API keys are non-transferable and tied to your registered account.
Use of our API is subject to all applicable sections of these Terms of Service, including but not limited to platform rules, usage limits, and data protection policies.
Approved API users may use the API to:
Retrieve real-time and historical market data
Execute trades or portfolio transactions
Access account-specific metrics and analytics
Integrate NorthcrestCapital tools into authorized trading systems or dashboards
All API usage must align with documented specifications and be in the ordinary course of permitted financial activities.
You may not:
Use the API to scrape data or download excessive content
Circumvent rate limits, access restrictions, or security checks
Reverse-engineer, decompile, or attempt to replicate proprietary features
Share or embed your API key in public code repositories or third-party applications
Use the API for high-frequency operations without prior written consent
We reserve the right to monitor all API usage and disable or revoke access if we detect abuse, excessive load, or non-compliance with our terms.
Each API account is subject to specific call rate limits depending on its usage level and approval tier.
Violations of rate limits may result in throttling, suspension, or termination of access without prior notice.
We may modify rate limits or API endpoints at any time for security, performance, or compliance reasons.
NorthcrestCapital shall not be held liable for:
Downtime, latency, or data inaccuracy caused by API failures
Errors resulting from unauthorized modifications or misuse of the API
Damages or losses arising from third-party dependencies integrated via our API
By using our API, you agree to remain fully responsible for all activity conducted using your API key and for securing all access credentials.
By using NorthcrestCapital’s Services, you agree to the pricing structures, payment obligations, and withdrawal terms outlined below. All financial transactions on the platform are governed by transparent, secure, and compliant procedures.
Depending on your account type and service usage, the following fees may apply:
Management Fees: Charged periodically for portfolio monitoring, reporting, and account maintenance
Performance Fees: Based on realized gains, subject to a predefined benchmark or hurdle rate
Transaction Fees: Charged per trade, conversion, or asset transfer on the platform
Withdrawal/Processing Fees: May apply when transferring assets off-platform or converting into fiat
All fees are clearly disclosed in your account dashboard prior to execution. NorthcrestCapital reserves the right to update its fee schedule, with prior notice.
Fees may be deducted automatically from your account balance on a daily, weekly, or monthly basis
Certain services may require prepayment or subscription-based billing
You are responsible for ensuring sufficient balance to cover any applicable charges
Invoices and statements are available for download in your account portal
Failure to pay applicable fees may result in account restrictions, service suspension, or legal collection measures.
You may request withdrawals of eligible assets at any time, subject to the following conditions:
Identity verification and security checks may be required
Withdrawal limits may apply based on account level or asset class
Processing times vary depending on network congestion, asset type, and compliance review
NorthcrestCapital is not liable for delays caused by third-party service providers, blockchain network congestion, or regulatory requirements.
You are solely responsible for:
Calculating, reporting, and paying any applicable taxes associated with your use of the platform
Keeping personal records of profits, losses, and transactions for tax purposes
Complying with tax laws and financial reporting obligations in your jurisdiction
NorthcrestCapital may provide transaction summaries and account statements but does not offer personalized tax advice.
NorthcrestCapital values the protection of intellectual property and expects users to respect all proprietary content, technologies, and trademarks associated with our platform.
All content, features, and technology provided through the Services are the exclusive property of NorthcrestCapital or its licensors, including but not limited to:
Algorithms, trading models, and data analytics engines
Web and mobile interface designs, layouts, and visual elements
Logos, brand names, and trademarks
Research reports, documentation, and marketing materials
Source code, APIs, and machine learning frameworks
These materials are protected under applicable intellectual property laws, including copyright, trademark, and trade secret regulations.
NorthcrestCapital grants you a non-exclusive, non-transferable, revocable license to:
Access and use the platform for personal or institutional investment purposes
Download and display platform content solely for non-commercial, internal use
Interact with approved APIs and trading tools in compliance with these Terms
This license does not permit you to:
Copy, modify, republish, or distribute platform content for external use
Reverse-engineer, disassemble, or extract underlying source code or algorithms
Remove copyright or proprietary notices from materials
All rights not expressly granted in these Terms are reserved by NorthcrestCapital.
If you submit or create content on the platform (e.g., portfolio labels, shared analytics, feedback), you:
Grant NorthcrestCapital a worldwide, royalty-free, sublicensable license to use, reproduce, adapt, and display that content
Represent that you have the legal right to share such content and that it does not infringe upon any third-party rights
We reserve the right to remove or restrict any user-generated content that violates these Terms, applicable law, or our platform policies.
We take intellectual property violations seriously. If you believe your rights have been infringed upon:
Please contact us through the platform’s internal reporting mechanism
We will investigate and take appropriate action, which may include removing content, suspending accounts, or pursuing legal remedies
Unauthorized use of our intellectual property may result in civil liability, criminal prosecution, or both.
NorthcrestCapital provides access to advanced financial tools and services, but it does not guarantee results or assume liability for market outcomes. This section outlines key disclaimers and the limits of our legal responsibilities.
You understand and agree that:
The Services are provided “as is” and “as available,” without warranties of any kind, either express or implied.
We make no guarantees regarding the accuracy, timeliness, completeness, or performance of any data, insights, models, or algorithms provided.
We do not offer financial, tax, or legal advice. Any data, commentary, or analytics provided is for informational purposes only and should not be relied upon for making investment decisions.
Use of any investment strategy, signal, or tool on our platform is at your own risk.
Investing in financial markets involves substantial risk of loss.
Past performance of any strategy, asset, or model does not guarantee future results.
NorthcrestCapital is not responsible for user trading decisions, losses, or missed opportunities, even if based on platform-provided data or recommendations.
Our Services may contain:
Links to external websites, news feeds, research, or third-party APIs
Content provided by third-party partners, affiliates, or data providers
We do not control or endorse third-party content and disclaim all liability related to your use of such materials.
To the maximum extent permitted by law, NorthcrestCapital and its affiliates shall not be liable for:
Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, business, or goodwill
Service interruptions, technical failures, or unauthorized access to user accounts
Errors in transmission, delays, or misinterpretation of data
Our total cumulative liability for any claims arising from or related to these Terms or your use of the Services shall not exceed the total amount of fees paid by you to NorthcrestCapital in the twelve (12) months preceding the event giving rise to the claim.
Some jurisdictions do not allow limitations on certain liabilities, so some of the above limitations may not apply to you.
NorthcrestCapital reserves the right to suspend, restrict, or terminate access to its Services under specific conditions to maintain platform integrity, legal compliance, and user safety.
We may suspend or terminate your access to the Services at any time, with or without notice, if we determine that you have:
Violated these Terms of Service, applicable laws, or regulatory standards
Engaged in fraudulent, abusive, or unlawful activity
Failed to complete identity verification or provided false information
Used automated systems or scripts in an unauthorized or disruptive manner
Created risk to other users, our platform, or market integrity
Termination may involve:
Disabling your access credentials
Freezing pending transactions or asset transfers
Initiating investigations or notifying legal authorities (where appropriate)
You may close your account at any time through the platform settings. Upon closure:
Any remaining funds or assets may be subject to withdrawal conditions and identity verification
Certain data will be retained as required by law or for dispute resolution
You remain responsible for any outstanding obligations, including unpaid fees or legal liabilities
Termination of your account does not affect the validity of the following surviving provisions:
Section 7: Intellectual Property and Content Rights
Section 8: Disclaimers and Limitation of Liability
Section 9: Termination and Enforcement
Section 10: Governing Law and Dispute Resolution
These terms will continue to apply even after account deactivation or deletion.
NorthcrestCapital reserves all rights to:
Take legal action in response to violations of these Terms
Cooperate with regulatory bodies, law enforcement, and affected parties
Seek injunctive relief, damages, or other remedies permitted by law
We are committed to maintaining a secure, compliant, and trustworthy environment for all users. Any abuse of our systems will be addressed swiftly and appropriately.
This section outlines the legal framework under which these Terms are governed, the process for resolving disputes, and our right to modify the Terms.
These Terms are governed by and construed in accordance with the laws of the United States, under the regulatory scope of Money Services Business (MSB) registration. All legal matters will be interpreted without regard to conflict-of-law principles.
Your use of NorthcrestCapital’s Services confirms your agreement to this jurisdictional framework.
If a dispute arises between you and NorthcrestCapital, we encourage you to contact our support team via the platform’s secure messaging center as a first step.
If no informal resolution is reached, the following formal procedures apply:
Arbitration Agreement: Any unresolved dispute or claim shall be submitted to binding arbitration, conducted by a recognized arbitration institution under its applicable rules.
Venue: Arbitration will be conducted in a neutral jurisdiction within the United States.
Exclusions: NorthcrestCapital may still seek injunctive or equitable relief in any competent court if your conduct threatens platform integrity, IP, or user safety.
Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in a class action or class arbitration.
We reserve the right to amend these Terms at any time. If changes are made:
A revised version will be published on our official platform
The “Effective Date” at the top of this document will be updated
We will notify users of material changes through in-app alerts, banners, or platform messages
Continued use of our Services after changes are published constitutes acceptance of the updated Terms.
We recommend reviewing these Terms periodically to remain informed of your rights and obligations.
Our AI-powered investment platform delivers intelligent, secure, and performance-driven solutions—helping clients leverage advanced technology to achieve long-term financial growth and strategic clarity.
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