Terms and Conditions – XDol Invest

Identity and contact

The XDol Invest platform is operated by XDOL DIGITAL LTDA, the company that develops the project. The official support channel is contact@xdol.com.br, validated on 07/11/2026. This document is a draft and will be revised before final publication.

• Developer: XDOL DIGITAL LTDA
• Company registration (CNPJ): 65.919.249/0001-40
• Registered office: Avenida Brigadeiro Faria Lima, 1811, Office 1119, Jardim Paulistano, São Paulo/SP, ZIP 01452-001, Brazil.
• Support channel: contact@xdol.com.br, official channel verified and active since 07/11/2026 for support, questions, requests and the exercise of rights.

Nature of the asset and scope of obligations

XDOL is the platform operational token, with a variable price in USDT determined by the market. There is no fixed parity between XDOL and USDT: deposits, available balance and withdrawals are denominated in USDT, while contracts may be denominated in USDT or in XDOL, depending on the chosen plan. Every USDT equivalence of XDOL is an estimate based on the price at that moment.

• Plan denomination: Copper, Silver and Gold have capital and earnings denominated in USDT. Private Platinum and XDOL Market have capital and earnings denominated in XDOL.
• Roles and responsibilities: XDOL DIGITAL LTDA is the developer of the project. Which entity acts as custodian of the assets and as legal counterparty to the investment contracts is under legal validation and will be reflected in this draft before final publication. Nothing in these terms should be read as the developer automatically assuming those roles.
• No promise of fixed return: XDOL is not an official currency and no plan offers fixed parity, guaranteed profitability or a promise of payment.

Eligibility and access conditions

• Age and capacity: The platform is intended exclusively for people aged 18 or over with full legal capacity. Registration by minors is prohibited.
• Invitation-only access: Registration is restricted to invited users, with identity verification and mandatory two-step verification (authenticator app or SMS).
• Personal use: The account is personal, individual and non-transferable. Sharing credentials, verification codes or sessions is prohibited.
• Restricted jurisdictions: Access is prohibited for residents of jurisdictions where the operation is banned, restricted or subject to a specific authorization the platform has not obtained.
• Lawful source of funds: The user declares that the funds used are of lawful origin and that the information provided is true, complete and up to date.

Minimum deposit and activation

The minimum amount for activation is 15 USDT on the ERC-20 network (Ethereum). A deposit is only considered after the on-chain transaction is confirmed and administratively checked. While the operational locks on crediting, withdrawal and scanning remain disabled, no deposit is credited and no balance moves.

USDT plans — Copper, Silver and Gold

In these plans capital and earnings are denominated in USDT and there is no exposure to XDOL price movements. The calculation uses simple interest, with a 30-day month and no compounding. After the lock-up, earnings keep accruing until redemption, which releases the capital and the earnings computed.

XDOL plans — Private Platinum and XDOL Market

• XDOL Private Platinum: Capital and earnings in XDOL, minimum contribution of 1,000,000 XDOL and a 180-day lock-up. Remuneration terms are those set in the specific contract for each contribution. The percentage recorded internally is not a public offer, a profitability promise or a payment guarantee, and only takes effect as set out in the signed contract.
• XDOL Market: Plan without fixed earnings. The result corresponds exclusively to the variation of the XDOL price over the period, and there may be gains, partial loss or total loss of the contributed capital.
• Essential difference from the USDT plans: In the USDT plans the contracted result does not depend on the XDOL price. In the XDOL plans the entire result depends on the token price at redemption.

Withdrawals, verified destinations, fees and timelines

• Withdrawal destinations: Withdrawals are sent to a previously registered and verified wallet destination. You may keep more than one verified destination — a self-custody wallet, whose ownership is proven by a signature verified on the server, or a brokerage account, subject to manual review. Destinations can be revoked and replaced by another verified destination.
• Withdrawal fee: A fixed fee of 5 USDT per transaction on USDT withdrawals, deducted from the requested amount. XDOL withdrawals have no fixed platform fee; the network fee is charged on the on-chain transfer.
• Processing: Estimated at 24 to 48 business hours after the destination is confirmed.
• Irreversibility: Blockchain transfers are irreversible. An address, network or amount entered incorrectly cannot be recovered by the platform.

Risks

Investing in digital assets involves high risk. Past performance does not guarantee future returns and the user must assess their own situation before contributing.

• Volatility: The XDOL price may vary sharply over short periods, including down to zero.
• Liquidity: There is no guarantee of a market for XDOL at the time of redemption. Redeeming XDOL contracts depends on conversion at the prevailing price.
• Custody and counterparty: Risks of asset custody and of performance of contractual obligations depend on the legal structure under validation described in section 2. Until it is defined, this point cannot be considered clarified.
• Technology: Risk of smart contract, network, RPC provider and user wallet failure, in addition to phishing, social engineering and loss of credentials.
• Regulatory: Changes in law and in how authorities interpret it may affect the continuity or the terms of the service.
• No guarantee: No plan offers a return guarantee, loss protection, insurance or coverage by any guarantee fund.
• No recommendation: Nothing on the platform constitutes investment advice or financial, legal or tax consulting.

Obligations of the parties

• By the platform: Maintain two-step authenticated access, isolate data per account holder, keep an audit trail of administrative and financial actions, disclose the terms and risks of each plan, and answer privacy and deletion requests within the published timeframes.
• By the user: Provide true information and keep it updated, keep credentials and codes exclusively, not share the account, use only funds of lawful origin, check address and network before confirming any transfer, and meet their tax obligations.
• Communications: Operational, security and terms-change notices are sent to the registered email and published in the application.

Suspension, blocking and closure

The platform may suspend or block access, in whole or in part, in the event of a well-founded suspicion of fraud, misuse, breach of these terms, order by a competent authority or risk to the security of third parties. Suspension is communicated wherever possible and does not give rise to compensation for lost profits. Existing balances and positions remain recorded and are handled in accordance with applicable law.

Account deletion and personal data

Deletion is requested on the dedicated account deletion page, which is also available without signing in, and goes through identity confirmation and human review. There is no automatic deletion. Account and contact data are erased or anonymized after review; financial records, contracts, receipts and audit trails are kept for up to 5 years, due to tax, accounting and fraud-prevention obligations. The processing of personal data is described in the Privacy Policy.

Changes to these terms

This document is versioned. Relevant changes are announced in the application, and the active version, with its date, appears at the top of this page. Acceptance is recorded per version, with date and language. Using the platform after publication means you are aware of the current version.

Governing law and venue

Brazilian law applies. The courts of the district of São Paulo/SP are elected to settle disputes, without prejudice to the consumer right to sue in their own domicile where applicable. Before any legal action, the parties undertake to seek a direct solution through the support channel.

Points under legal validation (draft)

This block exists only while the document is a draft and will be removed in the final version. It expressly records what has not yet been decided, and nothing here should be read as the developer acknowledging liability.

• Counterparty and custody: Definition of the legal entity acting as counterparty to the contracts and of the entity that will hold USDT and XDOL in custody.
• Regulatory qualification: Assessment of the nature of the contracts and of the need for authorization before the CVM and the Central Bank. The developer main CNAE is information technology consulting.
• Data protection officer: Formal designation pending. The applicability of ANPD rules for small agents must be assessed, keeping a communication channel with the data subject.
• Official channel: contact@xdol.com.br, verified and active.