RULES & REGULATION

Welcome to CREST Global. We are a New Zealand-based investment platform committed to delivering cutting-edge financial opportunities through transparency, technology, and investor empowerment. We operate in strict alignment with the Financial Markets Authority (FMA) of New Zealand, as well as applicable global compliance standards.

1. General Terms of Service

• Eligibility: Users must be 18 years or older and legally able to enter into binding investment agreements under New Zealand law.
• Compliance: All users must comply with regulatory bodies including the FMA, Inland Revenue (IR), and AML/CFT requirements.
• Honest Disclosure: All personal and investment data submitted must be accurate. Misrepresentation may result in account termination.

2. Investment Regulations

• CREST complies with the Financial Markets Conduct Act 2013 and provides investment opportunities through properly licensed instruments.
• Risk Advisory: All investments involve risk. CREST does not guarantee returns and encourages investors to consult with licensed advisors.
• Investor Protection: We employ investor risk assessments and ongoing reviews to ensure responsible investing.

3. Referral & Regional Program

CREST proudly operates the Regional Referral Program, offering active investors a 20% direct referral commission when they build a downline of 50 or more verified investors. This role elevates users to Regional Representative status—recognized as leaders with influence in their respective regions. Representatives receive exclusive support, priority benefits, and public recognition for their network growth.

Regional Representatives must remain compliant with New Zealand's AML/CFT regulations, and referrals must undergo full identity verification.

4. Privacy & Data Protection

• All client data is handled per the Privacy Act 2020 (NZ).
• We maintain strict confidentiality through encrypted systems, user-controlled access, and transparent data-use policies.

5. Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF)

• CREST is fully compliant with New Zealand's Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
• All investors must complete ID verification (KYC), source-of-funds validation, and periodic account reviews.

6. Amendments and Updates

CREST reserves the right to revise these rules and policies as regulations evolve. We notify users via email and platform updates.

7. Dispute Resolution

• Clients are encouraged to reach out to our support team first for resolution.
• In unresolved cases, we support formal dispute submission via New Zealand's Financial Dispute Resolution Service (FDRS).

8. Limitation of Liability

While CREST strives to deliver safe and regulated services, we are not liable for investment losses due to market volatility, force majeure events, or user negligence.

By joining CREST, you affirm your understanding and acceptance of these rules. Your financial journey with us is built on partnership, security, and shared growth.