Terms of Use

Effective Date: July 25, 2025

By accessing or using the ACG Group website (the “Website”) at https://acg.group/, users agree to be bound by these Terms of Use (“Terms”).
Those who do not agree with these Terms must refrain from using the Website. These Terms govern interactions
with the Website, which provides information about ACG Group’s wealth management, custody solutions, and investment
services for private and institutional investors.

1. Acceptance of Terms

Access to and use of the Website constitutes acceptance of these Terms. ACG Group reserves the right to enforce
these Terms at its discretion. Users who disagree with any part of these Terms must cease using the Website immediately.

2. Use of the Website

• Purpose: The Website is provided for informational purposes only, offering details about ACG Group’s
  services, including wealth management, custody solutions, global market access, and private market opportunities.
• No Investment Advice: The content on the Website does not constitute investment advice, financial advice,
  or recommendations to buy or sell any financial instrument. A qualified financial adviser should be consulted before making
  investment decisions.
• Accuracy: ACG Group strives to ensure the accuracy of the information on the Website but does not guarantee
  its completeness, timeliness, or suitability for specific purposes. Information may contain inaccuracies or errors.
• Restrictions: The Website must not be used for any unlawful purpose or any purpose prohibited by these Terms,
  including unauthorised framing, linking, or activities that could damage, disable, or impair the Website.

3. User Conduct

Users must use the Website in compliance with all applicable laws and regulations and must not infringe on the rights of
others or restrict their use of the Website.

Prohibited activities include, but are not limited to:

• Attempting to gain unauthorised access to the Website or its systems.
• Uploading or transmitting viruses, malware, or other harmful code.
• Engaging in any activity that disrupts or interferes with the Website’s functionality.

Users represent and warrant that they are at least 18 years old and have the legal capacity to agree to these Terms.

4. Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of ACG Group or its
licensors and is protected by international copyright, trademark, and other intellectual property laws.

Content from the Website may not be reproduced, distributed, modified, created into derivative works, publicly displayed,
or otherwise used without prior written permission from ACG Group, except for personal, non-commercial use permitted by law.

A single copy of the Website’s content may be printed or downloaded for personal reference, provided it is not modified or
used for commercial purposes.

5. Privacy

ACG Group is committed to protecting personal information. The Privacy Policy, available on the Website, explains how data is
collected, used, stored, and disclosed.

By using the Website, users consent to the data practices described in the Privacy Policy, including the use of cookies and
tracking technologies to enhance the user experience.

6. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis without any warranties, express or implied, including but not
limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

ACG Group does not warrant that:

• The Website will be uninterrupted, secure, or error-free.
• The content on the Website is accurate, complete, or current.
• The Website is free from viruses or other harmful components.

Use of the Website is at the user’s own risk, and users are responsible for taking appropriate precautions to protect their
devices and data.

7. Limitation of Liability

To the fullest extent permitted by law, ACG Group, its affiliates, officers, directors, employees, and agents shall not be
liable for any direct, indirect, incidental, special, exemplary, or consequential damages (including but not limited to loss
of profits, data, or business opportunities) arising from:

• Use of or inability to use the Website.
• Errors or omissions in the Website’s content.
• Unauthorised access to or alteration of user data.

This limitation applies regardless of the legal theory (contract, tort, negligence, or otherwise), even if ACG Group has been
advised of the possibility of such damages.

8. Indemnification

Users agree to indemnify, defend, and hold harmless ACG Group, its affiliates, officers, directors, employees, and agents
from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of:

• Use of the Website.
• Violation of these Terms.
• Infringement of any third-party rights, including intellectual property rights.

ACG Group reserves the right to assume the exclusive defence and control of any matter subject to indemnification, and users
agree to cooperate fully in such defence.

9. Termination

ACG Group may suspend or terminate access to the Website at any time, with or without cause, and with or without notice,
including if there is reason to believe these Terms have been violated.

Upon termination, all rights granted under these Terms cease, and the Website must no longer be used.

Provisions of these Terms that, by their nature, should survive termination (e.g., intellectual property, limitation of
liability, indemnification) will continue to apply.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Luxembourg, without regard to its conflict of law
provisions.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of
Luxembourg.

11. Changes to Terms

ACG Group reserves the right to modify these Terms at any time without prior notice. Changes take effect upon posting to the
Website.

Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

Users are responsible for regularly reviewing these Terms to stay informed of any updates.

12. Regulatory Information

ACG Group is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange.

ACG operates in Switzerland as an authorised representative office by FINMA.

ACG Group is authorised and regulated by the Central Bank of Ireland and registered with the CSSF (Commission de Surveillance
du Secteur Financier) in Luxembourg.

Regulatory status can be verified on the websites of the relevant authorities.

13. Contact Information

For questions, concerns, or complaints about these Terms or the Website, contact:

• Email: acg.group@acg.group
• Address: ACG Group, 34 Lime Street, London, EC3M 7AT, United Kingdom.

14. Miscellaneous

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between the
  user and ACG Group regarding use of the Website, superseding any prior agreements.
• Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions
  continue in full force and effect.
• Waiver: No waiver of any term by ACG Group shall be deemed a further or continuing waiver of such term or
  any other term.
• Assignment: Rights or obligations under these Terms may not be assigned or transferred without ACG Group’s
  prior written consent. ACG Group may assign its rights and obligations at its discretion.
• Force Majeure: ACG Group shall not be liable for failure to perform obligations due to events beyond its
  reasonable control, such as natural disasters, war, or governmental actions.