Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings given below:

• "Platform" means the Digi Money Express website at www.digitalmoneyexpress.com and the Progressive Web App at app.digitalmoneyexpress.com, including all related services, APIs, and tools.
• "Company," "we," "us," or "our" refers to Digi Money Express (also known as Digital Money Express), the operator of the Platform.
• "User," "Member," "you," or "your" means any individual who registers an account and uses the Platform.
• "Investment" means any sum of funds deposited by a Member and activated under an investment plan on the Platform.
• "XAUt" or "Digital Gold" refers to tokenized gold assets whose value is linked to the prevailing market price of physical gold (XAU).
• "Daily ROI" means the daily return on investment, credited to a Member's wallet based on their investment tier.
• "Referral Code" means the unique code assigned to each Member for the purpose of inviting new participants.
• "Sponsor" means the Member whose Referral Code was used at registration by a new Member.
• "Wallet" means the internal balance held within the Platform for each Member, which may be used for investments or withdrawn.
• "KYC" means Know Your Customer, the identity verification process required before certain Platform actions (including withdrawals) are permitted.

2. Acceptance of Terms

By registering an account, accessing, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy, which is incorporated herein by reference.

If you do not agree with any part of these Terms, you must immediately discontinue your use of the Platform and, if applicable, close your account.

These Terms constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior understandings, agreements, or representations.

3. Eligibility

To register and use the Platform, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction, whichever is higher).
• Have the full legal capacity to enter into binding contracts under applicable law.
• Not be a resident of, or subject to, any jurisdiction where participation in digital asset investment programs is prohibited, restricted, or requires regulatory authorization that the Company does not hold.
• Not be listed on any government sanctions list or be subject to any order prohibiting you from engaging in financial transactions.

By registering, you represent and warrant that you meet all eligibility criteria. The Company reserves the right to verify eligibility at any time and to restrict or terminate access for any Member who does not meet these requirements.

4. Account Registration

4.1 Registration Process

To access investment features, you must create an account by providing accurate, complete, and current information including your full name, email address, phone number, and country of residence. You may optionally register using a Sponsor's Referral Code.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You must immediately notify us at support@digitalmoneyexpress.com if you suspect unauthorized access to your account. The Company will not be liable for any loss resulting from unauthorized use of your account due to your failure to maintain security.

4.3 One Account Per Person

Each individual may hold only one account. Creating multiple accounts to circumvent restrictions or to claim bonuses multiple times is strictly prohibited and will result in immediate suspension of all associated accounts and forfeiture of funds.

4.4 Account Activation

New accounts are activated upon completion of registration. Investment plans require a separate activation step using a valid PIN, which may be provided by your Sponsor or purchased separately as per current Platform rules.

5. Investment Plans & Daily ROI

5.1 Investment Plans

Members select an investment plan at the time of investment. The plan — not the amount invested — determines the daily ROI rate, the maximum return and the withdrawal conditions:

Plan	Daily ROI Rate	Maximum Return	ROI Withdrawal	Principal
Silver	0.50% per day	2× investment	Any time	Withdrawable any time
Gold	0.75% per day	2× investment	Any time	Locked until the 2× cycle completes
Diamond	1.50% per day	2× investment	On completion only	Locked until the 2× cycle completes

Rates above are the default program rates. The Company reserves the right to add plans and to modify rates with reasonable prior notice to Members. Existing activated investments retain the rate and maximum return configured at the time of activation, and are unaffected by later changes to a plan.

5.2 Maximum Return Cap

Each plan's maximum return is expressed as a multiple of the amount invested, and is the total the Member receives — their capital returned plus the daily returns earned on it. On a 2× plan a Member who invests $10.00 receives $20.00 in total: $10.00 of accumulated daily returns and the $10.00 principal. Daily returns cease once that limit is reached and the investment is marked complete.

The cap is based solely on the return threshold — it is not time-bound. An investment may take more or less time to reach the cap depending on its daily ROI rate.

5.3 Payout Schedule

Daily ROI and Team Commission are credited on weekdays (Monday through Friday). The Company may vary the crediting schedule for operational reasons with reasonable notice to Members.

5.4 Principal Redemption

Principal redemption depends on the plan selected:

• Silver: the principal may be withdrawn at any time after the investment starts.
• Gold: the principal remains locked until the investment completes its 2× return cycle.
• Diamond: both accrued ROI and the principal remain locked until the investment completes its 2× return cycle, at which point both become available.

Principal redemption is a separate process from ROI withdrawal and must be initiated by the Member. The Company will process redemption requests as per the withdrawal schedule in Section 6.

5.5 Minimum Investment

The minimum investment amount is $10.00 USD. There is no maximum limit. All amounts are denominated in USD and subject to exchange rate conversion where applicable.

5.6 Administrator Authority

The Company's administrators retain the right to configure, approve, or reject investment plans, modify ROI rates for future investments, and take corrective action in the event of system errors or fraudulent activity.

6. Deposits & Withdrawals

6.1 Deposits

Funds may be deposited to your Wallet using payment methods supported by the Platform from time to time. Deposits are subject to minimum amounts and any applicable processing fees charged by third-party payment processors. The Company is not responsible for delays or failures caused by payment processors.

6.2 Withdrawals

Members may withdraw available Wallet balances (earned ROI and other credited bonuses) subject to the following conditions:

• Completed KYC verification (see Section 8).
• Minimum withdrawal amount of $10.00 USD.
• A 5% processing fee applies to all withdrawals (see Section 6.3).
• Withdrawal requests may be submitted on weekdays (Monday through Friday) and are processed within the Company's standard processing schedule, which may take 1–7 business days depending on the payment method.
• Withdrawals of accrued ROI and of principal are subject to the plan lock conditions set out in Sections 5.1 and 5.4.
• Withdrawals are paid to the Member's registered bank account, UPI, or cryptocurrency wallet as supported by the Platform.

6.3 Fees

A withdrawal processing fee of 5% applies to every withdrawal. The fee is calculated on the requested withdrawal amount and deducted at the time of processing, so the Member's net payout equals the requested amount less the 5% fee (for example, a $100.00 withdrawal incurs a $5.00 fee and pays out $95.00). The full requested amount is debited from the Member's Wallet balance. The Company reserves the right to update its fee schedule with prior notice.

6.4 Suspension of Withdrawals

The Company may temporarily suspend withdrawal processing for maintenance, regulatory compliance investigations, fraud prevention, or other operational reasons. Members will be notified of any extended suspension via official communication channels.

7. Referral & Reward Programs

7.1 Direct Referral Bonus — Discontinued

The Direct Referral Bonus has been discontinued and is no longer payable on new investment activations. Bonuses already credited to a Member's Wallet before discontinuation are unaffected and remain payable under the terms applicable when they were earned.

Should the Company reintroduce a direct referral bonus in future, the applicable rate and effective date will be published on the Platform in advance. All other income streams described in these Terms are unaffected.

7.2 Team ROI Bonus

Members who build a qualifying network may earn a daily Team ROI Bonus — a percentage share of their network's daily ROI earnings — across up to 20 downline levels. Qualification criteria and sharing percentages are defined in the current Compensation Plan published on the Platform and may be updated from time to time. The Team ROI Bonus is capped at 5× the Member's own active investment amount. Excess earnings beyond this cap are forfeited and not carried forward. Re-investing to increase the self-investment amount raises the cap proportionally.

7.3 Leadership Salary

Members who achieve qualifying levels of team business volume (as defined in the current Compensation Plan) are entitled to a monthly Leadership Salary payment. Eligibility is assessed based on a 60/40 team business ratio rule. Salary amounts range from $10 to $5,000 per month depending on the team volume level achieved. The following conditions apply:

• Duration. Each salary level is payable for a maximum number of months, as published in the current Compensation Plan (for example, 3 months at the entry level, extending to 6 months at higher levels). Once that duration has been paid in full, the Member must increase team business volume to reach the next level in order to continue receiving a salary.
• No downgrade. A salary level, once achieved, is retained permanently and is not reduced if team business volume subsequently falls.
• Maintenance. The Member must nevertheless maintain the team business volume required by their achieved level in order to be paid in any given month. Where volume falls below that requirement, the salary for that month is withheld; the Member retains the level, and the withheld month does not count towards the level's duration.

7.4 Express Warrior Income

Members who reach a qualifying level of team business volume within a defined period measured from the activation date of their own investment become entitled to Express Warrior Income. The amount payable is determined once, when the qualification period has run its full length: it equals the defined percentage of the total daily ROI credited to that Member's team across the whole qualification period. That fixed amount is then paid monthly for the defined reward duration and is not recalculated, so each monthly payment is identical. Targets, qualification windows, percentages and durations are set out in the current Compensation Plan published on the Platform. Team business volume is assessed on the 60/40 ratio rule. Where a Member subsequently achieves a higher target, the previously running reward ceases when the newly qualified reward begins, and only the newly qualified reward continues thereafter. A target not achieved within its qualification window cannot be claimed afterwards.

7.5 Royalty Income

Members who achieve qualifying levels of team business volume (assessed on the 60/40 ratio rule) are entitled to participate in the Royalty Income programme. For each qualifying tier, a pool equal to a defined percentage of the Company's monthly turnover is divided among all Members qualifying at that tier. Royalty Income is therefore a share of a fixed pool and is not a fixed sum per Member; the amount received in any month depends on the Company's turnover for that month and the number of qualifying Members. Tiers are cumulative, so a Member qualifying at more than one tier participates in each corresponding pool. Percentages and thresholds are set out in the current Compensation Plan.

7.6 One-Time Reward Program

Members are entitled to a one-off reward each time their team business volume (assessed on the 60/40 ratio rule) first reaches a defined milestone. Each milestone is payable once only per Member. A Member whose volume passes several milestones simultaneously is entitled to each unclaimed milestone at or below the volume attained. Milestones and reward amounts are set out in the current Compensation Plan.

7.7 Program Modifications

The Company reserves the right to modify, suspend, or discontinue any reward or referral program at any time with reasonable notice. Accrued, unpaid bonuses at the time of modification will be honoured under the terms applicable when they were earned.

7.8 Anti-Gaming Policy

Any attempt to artificially inflate referral counts, manipulate team volumes, create circular referral structures, or exploit reward programs through dishonest means will result in immediate account suspension and forfeiture of all bonuses earned through such activity.

8. KYC & AML Compliance

The Company is committed to compliance with applicable anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. As part of this commitment:

• Identity Verification is required before a Member can process withdrawals. Depending on your country of residence, you will be asked to submit one or more of: government-issued photo ID (national ID card, passport, or driving licence), proof of address, and/or additional documentation.
• For Indian residents: Aadhaar card and PAN card are the primary accepted documents.
• For non-Indian residents: A valid government-issued photo ID and passport are accepted.
• Submitted documents are processed securely. Refer to our Privacy Policy for details on how KYC data is stored and protected.
• The Company reserves the right to request additional documentation at any time and to freeze accounts pending verification.
• Members must not submit false, forged, or fraudulent documents. Doing so constitutes a criminal offence in most jurisdictions and will result in immediate account termination and referral to relevant authorities.

9. Prohibited Conduct

You agree not to:

• Use the Platform for any unlawful purpose or in violation of applicable laws or regulations.
• Misrepresent your identity, location, or eligibility.
• Create multiple accounts or use the accounts of others without authorization.
• Engage in any form of money laundering, structuring, or terrorist financing.
• Manipulate, hack, reverse-engineer, or attempt to gain unauthorized access to the Platform or its underlying systems.
• Introduce malware, viruses, or any harmful code to the Platform.
• Engage in market manipulation or fraudulent investment activity.
• Make false, defamatory, or misleading statements about the Company or the Platform.
• Recruit Members through false or exaggerated income claims not consistent with the stated Compensation Plan.
• Violate any third-party rights including intellectual property rights.

Violation of this section may result in immediate account suspension, forfeiture of balances, and legal action.

10. Risk Disclosure

Please read this section carefully before investing.

Participation in digital gold investment programs carries inherent risks. By investing on the Platform, you acknowledge and accept the following:

• Market Risk: The value of XAUt and gold-linked assets fluctuates with market conditions. The value of your principal at the time of redemption may be higher or lower than the amount originally invested.
• Liquidity Risk: There may be periods during which withdrawals are delayed or restricted due to market conditions, regulatory requirements, or operational factors.
• Regulatory Risk: Laws and regulations governing digital assets and investment programs vary by jurisdiction and are subject to change. Changes in regulation may affect your ability to participate or withdraw funds.
• Operational Risk: Despite our best efforts, the Platform may experience downtime, technical failures, or cyber-attacks that could affect your account.
• No Guaranteed Returns: While daily ROI rates are configured per plan, they are not a guarantee of future performance. The Company does not guarantee that any specific return will be achieved.
• Invest Responsibly: You should only invest funds you can afford to lose. Do not invest borrowed money or funds required for essential living expenses.

11. Intellectual Property

All content on the Platform including but not limited to text, graphics, logos, icons, images, audio clips, software, and the overall design is the property of Digi Money Express or its content licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal investment activities. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Platform without the Company's express prior written consent.

12. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Platform and all services are provided "as is" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
• The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, loss of data, or business interruption — arising from your use of or inability to use the Platform.
• The Company's total aggregate liability to you for any claim arising from or related to these Terms or the Platform shall not exceed the total amount of fees paid by you to the Company in the three (3) months immediately preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so the above limitations may not apply to you in full.

13. Indemnification

You agree to indemnify, defend, and hold harmless Digi Money Express, its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgements, awards, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Platform in violation of these Terms.
• Your violation of any applicable law or regulation.
• Your violation of any third-party right.
• Any false or inaccurate information you provide to the Company.

14. Termination & Suspension

The Company may, at its sole discretion and without prior notice, suspend or terminate your account and access to the Platform if:

• You breach any provision of these Terms.
• Your account is involved in fraudulent, suspicious, or illegal activity.
• You fail to complete KYC verification within a reasonable time following a request.
• The Company is required to do so by applicable law or regulatory authority.

Upon termination, your right to use the Platform immediately ceases. Balances may be frozen pending investigation. Where termination is due to a breach, forfeiture of bonuses and accrued earnings may apply. If your account is terminated without cause by the Company, available verified balances will be returned to you.

You may close your account at any time by contacting support. Active investments will continue until they reach the 2× cap or 365-day principal redemption date.

15. Dispute Resolution

15.1 Informal Resolution

In the event of any dispute, claim, or controversy arising from or relating to these Terms or the Platform, you agree to first attempt to resolve the matter informally by contacting us at support@digitalmoneyexpress.com. We will make good faith efforts to resolve the matter within 30 days of receiving written notice of the dispute.

15.2 Arbitration

If informal resolution fails, any dispute that cannot be resolved through negotiation shall be submitted to binding arbitration in accordance with the rules of a mutually agreed arbitration body. The arbitration shall be conducted in English. The decision of the arbitrator shall be final and binding on both parties.

15.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

16. Governing Law

These Terms and Conditions, and any disputes arising from them, shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. To the extent that local mandatory consumer protection laws in your jurisdiction apply, those protections are not waived by these Terms.

17. Changes to Terms

The Company reserves the right to update or modify these Terms at any time. When changes are made, we will update the "Last Updated" date at the top of this page. For material changes, we will provide notice via email to your registered address or a prominent notice on the Platform at least 14 days before the changes take effect.

Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform and close your account.

18. Contact Us

If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact us:

• Email: support@digitalmoneyexpress.com
• Website: www.digitalmoneyexpress.com

We aim to respond to all support queries within 2 business days.