Customer Agreement

Asset Infinity, a company based in Pakistan, provides investment access through its digital platform Asset Infinity (app and website). Users can buy, sell, and transfer physically held commodities including gold, silver, and platinum using credits, which are a digital representation of value within the platform.

All assets are held physically by Asset Infinity or its authorized custodians. Customers may request physical collection of their holdings (subject to terms and conditions mentioned in section 4.5).

Credits may also be withdrawn to your Pakistani bank account, with 1 credit = 1 Pakistani Rupee (PKR).

Asset Infinity's services are not regulated by any financial regulatory body and do not fall under investor protection schemes.

This agreement governs the relationship between Asset Infinity (we, us, our) and you (you, your) when you use the Asset Infinity app or website to:

• Exchange credits into physically held commodities (and vice versa);
• Withdraw credits to your bank account (1 credit = 1 PKR);
• Transfer commodities to or from other Asset Infinity users;
• Request physical collection of your holdings.

These are referred to as our "commodities services".

You must maintain an Asset Infinity account to use these services. Credits are stored digitally in your account.

Non-regulated

Our services are not governed by any financial regulatory authority in Pakistan or internationally.

Non-protected

Credits and commodities held are not protected by any deposit insurance or investor compensation scheme.

Physically held

All commodities purchased via Asset Infinity are physically stored in secured facilities. You may request physical collection, subject to applicable terms.

Non-advised

We do not provide any investment, financial, or tax advice. You are solely responsible for your decisions.

Exchange Risk

Commodity prices fluctuate. We are not liable for losses resulting from price changes.

Technology Risk

The availability of the Asset Infinity platform depends on system performance and your internet connection. Service interruptions may occur.

4.1 Exchanging

You may exchange credits into commodities, or convert commodities back into credits via the Asset Infinity app.

HOW IT WORKS:

• You specify the number of credits to convert.
• We display the current market rate.
• Upon confirmation, your credits are deducted, and the corresponding physical commodity amount is allocated to your account.
• Your updated balances and transaction records are then visible.

We may refuse or limit exchange transactions for operational, legal, or security reasons. Submitted exchanges cannot be cancelled.

4.2 Withdrawals to Bank Accounts

You may withdraw credits to a Pakistani bank account linked to your Asset Infinity profile.

• 1 credit = 1 PKR
• Transfers are processed via local banking channels
• Processing time may vary depending on bank procedures and verification

4.3 Transfers to Other Users

You may transfer commodities to other Asset Infinity users through the platform. Transfers to non-users are not supported.

4.4 Pricing and Fees

Each commodity transaction shows a breakdown of:

• Exchange Rate (derived from international markets with a spread applied)
• Service Fee (either fixed or percentage-based depending on your account type)

These are displayed before final confirmation of any transaction.

4.5 Physical Collection Charges

Customers requesting physical collection of their holdings should note the following:

• Making Charges: Physical collection of gold, silver, or platinum will incur a making charge as per current market.
• Availability: Physical collection is subject to the availability of the specific grammage requested.
• Minimum Quantity: The minimum quantity eligible for physical collection is 1 gram.

Market data provided in the Asset Infinity app is for informational purposes only. It does not constitute investment advice. You may not redistribute or use this data commercially.

6.1 Taxes

You are responsible for any taxes incurred as a result of using our services. We do not withhold or report taxes on your behalf.

6.2 Changes to Terms

We may revise these terms as needed for legal, operational, or service-related reasons. 30 days' notice will be provided through the Asset Infinity platform for non-urgent changes.

6.3 Our Liability

We are not liable for:

• Service unavailability
• Indirect or unforeseeable losses
• Events beyond our control
• User-caused breaches
• Fraud or criminal behavior is suspected
• You breach the terms
• We are required to do so by law

6.4 Your Liability

You may be held liable for damages or losses caused by a breach of these terms, including legal costs.

6.5 Termination

You can close your account at any time. We may suspend or terminate access if: Upon termination, any remaining commodity holdings may be converted to credits and returned to your account.

6.6 Complaints

For complaints, contact our team via the Asset Infinity app or website. We aim to resolve issues efficiently.

6.7 Governing Law

This agreement is governed by the laws of Pakistan. Any disputes will be settled by the courts of Pakistan.