WealthSpring Terms & Conditions

WealthSpring ("WealthSpring", "we", "us", "our") provides structured investment journeys designed to help individuals build long-term wealth through disciplined, goal-oriented investing.

These Terms form a binding legal agreement between you (the "Investor", "you") and WealthSpring. Continued use of the platform constitutes ongoing acceptance.

The following terms have specific meanings throughout this document:

• "Account" — your registered WealthSpring investor profile.
• "Wealth Goal" — an investment objective you create within your Account. Each Wealth Goal is contracted separately.
• "Contractual Tier" or "Investment Journey" — the goal-specific legal tier (W1–W6) and term that governs a particular Wealth Goal's duration, maturity date, withdrawal rules and early-termination consequences. It applies to that goal only.
• "Fast-Track Benefit" — a separate, relationship-wide reward and benefit status calculated across your Account. It is not a contractual investment term and does not form part of any goal's contract.
• "Qualifying Capital" — approved external investor contributions less processed principal withdrawals, reversals and refunds. Qualifying Capital excludes portfolio gains and investment returns, promotional credits, referral rewards, and internal goal transfers.
• "Internal Goal Transfer" — a movement of capital between Wealth Goals belonging to the same client. It is not a new external contribution and is not a withdrawal.
• "Funding" — external capital you transfer into a Wealth Goal via supported payment methods.
• "Withdrawal" — capital you request to receive back, subject to the Contractual Tier rules of the relevant goal.
• "Maturity" — the point at which a goal's contractual term has been completed by the passage of time.
• "Statement" — a periodic record of holdings, transactions, and performance.

Every Wealth Goal you create has its own Contractual Tier, activation date, contractual duration and maturity date. Goals are contracted, measured and matured independently of one another.

A new Wealth Goal does not inherit elapsed contractual time from any other goal. Time already served on one goal does not shorten the term of another goal, and capital moved between goals does not carry contractual time with it.

• You may hold several Wealth Goals at the same time, each with a different Contractual Tier and a different maturity date.
• Maturity is determined only by the passage of contractual time from the goal's activation date.
• Goal value measures Goal Funding Progress against that goal's target. It does not accelerate or delay maturity.

A Wealth Goal's contractual clock begins on activation, which under the current product workflow occurs on the first approved funding linked to that goal (or on a permitted matured internal transfer that starts a new destination contract).

Larger contributions, more frequent contributions, or a higher Fast-Track Benefit qualification do not accelerate contractual maturity. Only elapsed contractual time matures a goal.

Changing only a goal's name, purpose description or target amount is an administrative change. It does not reset, extend or shorten that goal's contractual clock or maturity date.

Material changes — including a change of Contractual Tier, contractual term, investment strategy or other contractual conditions — may require an advice or suitability review, your express consent, a written addendum, or a new contract, and may result in a new contractual term with a new maturity date.

Fast-Track Benefit is a reward status only. It never changes the contractual maturity, early-termination tier, or early-exit conditions of any Wealth Goal.

Fast-Track Benefit is a relationship-wide reward status. It is calculated separately from your contractual Wealth Goals and is based on Qualifying Capital.

• Fast-Track thresholds and the benefits attached to them may be configured, added to, or changed prospectively, with reasonable notice and subject to the applicable benefit terms.
• A higher Fast-Track Benefit status does NOT change any goal's maturity date, early-termination rules or consequences, withdrawal consequences or risk profile, does not automatically rebalance your portfolio, and does not guarantee or increase returns.
• Qualifying Capital excludes investment returns, promotional credits, referral rewards and internal goal transfers.
• Processed principal withdrawals, reversals and refunds may reduce your Qualifying Capital and therefore your current Fast-Track Benefit qualification.
• Your highest historical Fast-Track achievement may be recorded and retained separately for recognition purposes, while the benefits you currently receive follow your current qualification.

Where permitted, capital in a matured Wealth Goal may be moved internally to another of your Wealth Goals.

• After maturity, a permitted internal transfer moves capital to another goal without being treated as a new external contribution and without being treated as a withdrawal for Fast-Track accounting.
• If the destination goal is awaiting activation, the transfer starts that destination goal's own new contractual clock, term and maturity date.
• If the destination goal already has an active contract, the transfer is a top-up and does not reset or extend its existing maturity date.
• Elapsed contractual time never transfers with the money.
• Before maturity, any movement of capital remains subject to the existing withdrawal, reallocation and early-termination rules, applicable fees, and any required consent or approval.

When a Wealth Goal reaches maturity you may keep the money invested, withdraw some or all of the available value, move permitted capital to another of your goals, or start a new goal.

Simply remaining invested after maturity does not automatically create a new lock-in period. A new contractual term starts only where you expressly accept new terms and a new commitment, for example by starting a new goal contract or activating an awaiting goal.

You may hold multiple Wealth Goals with different Contractual Tiers at the same time. Your Fast-Track Benefit status is a single, relationship-wide status across your Account and does not vary per goal.

Fast-Track Benefit may support platform-approved, prospective benefits or fee discounts where these are expressly configured and disclosed. Fast-Track Benefit cannot silently change the contractual early-termination or withdrawal rules of an existing Wealth Goal.

The Contractual Tier attached to a specific goal governs that goal's maturity and early-termination rules unless an express written contract amendment or platform-approved override applies.

These Terms and the related investment disclosures are versioned. The current version of each document is displayed on the document itself and recorded in the platform.

Where we materially update a document that applies to investment contracts, we may ask you to acknowledge the current version electronically before you start a NEW contractual goal or before an internal transfer starts a NEW destination contract. Acknowledging an updated document does not reset, rewrite or shorten the contractual maturity of any goal you already hold, and does not remove existing maturity or withdrawal rights.

You agree that electronic acceptance recorded in the platform — including the document type, version, date, and technical request details — constitutes valid acceptance and evidence of your agreement.

You must be at least 18 years old and legally capable of entering into binding contracts in your jurisdiction.

You must not be subject to any sanctions or restrictions that would prohibit your use of investment services.

You agree to provide accurate, current, and complete information during registration and to keep your information updated. You are responsible for maintaining the confidentiality of your login credentials.

WealthSpring may refuse, suspend, or terminate any registration at its discretion to protect the integrity of the platform.

You are solely responsible for the suitability of any investment decision you make within your Account, having regard to your personal circumstances, objectives, and risk tolerance.

You agree to comply with all applicable laws, including tax reporting obligations in your country of residence.

Funding is processed via supported payment providers, including bank transfer and PayFast. Funds are allocated to the Wealth Goal you select at the time of funding.

Withdrawals are subject to the Contractual Tier rules of the specific goal being withdrawn from. Withdrawal before that goal's maturity may be unavailable or subject to emergency-withdrawal or early-termination rules and fees as disclosed within the platform at the time of request.

Each Wealth Goal operates as an independent allocation and an independent contract, with its own funding history, performance, contractual term, maturity date, and statements. You may create multiple Wealth Goals subject to platform limits.

Contractual Tiers (W1 Foundation through W6 Infinity) define the contractual investment horizon and access rules of a specific Wealth Goal. The tier recommended to you at onboarding is informational; the tier you select for a goal governs that goal.

Tiers exist to encourage disciplined, long-term investing. They do not guarantee any return.

Statements, certificates, and tax documents are made available within your Account. You are responsible for reviewing them promptly and notifying us of any discrepancy within 30 days.

Applicable platform, administration, and product fees are disclosed within your Account and may be updated from time to time with reasonable notice. Third-party payment provider fees may also apply.

All content, trademarks, software, and design elements of the platform are owned by WealthSpring or its licensors. You receive a limited, revocable, non-transferable licence to use the platform for personal, non-commercial purposes.

To the maximum extent permitted by law, WealthSpring shall not be liable for any indirect, incidental, consequential, or punitive damages, or for any loss of profits, revenue, or investment value arising from your use of the platform.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

We may suspend or terminate your Account where required by law, where we suspect fraud or abuse, or where you materially breach these Terms. You may close your Account at any time, subject to settlement of any open positions.

These Terms are governed by the laws of the Republic of South Africa. The courts of South Africa have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

Questions, complaints, or requests relating to this document should be directed to our Compliance team.

Email: compliance@wealthspring.capital Website: https://wealthspring.capital Postal Address: Suite 12, Stanley & Dock Road, Cape Town City Centre, Cape Town, 8001, South Africa