Terms of Service

1.1. These Terms of Service set out the rules for using the website available at www.jin-zhi.me (the "Website") and the rules for the provision of investment-related, technology-driven services by Jinzhi based on proprietary artificial intelligence systems (the "Services").

1.2. The operator of the Website and the provider of the Services is:

Jinzhi – a technology-driven investment company ("Jinzhi", "the Company", "we", "us"), operating in the field of long-term investments using proprietary artificial intelligence systems.
Current operational office location:
Jinzhi
1 Austin Road West, Kowloon, Hong Kong

The Company is in the process of relocating its registered office to Dubai, United Arab Emirates. Once the relocation process is completed, updated address and registration details will be published on the Website and in these Terms of Service.

1.3. Contact with Jinzhi:
e-mail: Jinzhi-support@pm.me
we usually respond within 24 hours.

1.4. By using the Website and entering into an agreement with Jinzhi, the user confirms that they have read these Terms of Service, accept their content and agree to comply with them.

User – any natural person visiting the Website or using its features.

Investor – a User who has completed the registration process, entered into an agreement with Jinzhi and transferred funds for the purpose of implementing Jinzhi's investment strategies.

Website – the website located at www.jin-zhi.me and its related subpages and user panels.

Investment Account – an individual profile of the Investor in Jinzhi's system, displaying basic information about the package, the investment status and the history of payouts.

Investment Package – an investment product offered by Jinzhi with a defined time horizon, minimum amount and remuneration rules.

Revolut – the Revolut group of companies, in particular Revolut Bank UAB (holding a banking licence in the EEA) and Revolut Digital Assets Europe Ltd (a MiCA-regulated crypto-assets service provider).

Revolut Account – a bank account and/or payment account operated by Revolut, together with its crypto-asset and currency exchange functionality, opened by the User directly with Revolut.

USDT (TRC20) – the Tether stablecoin on the Tron network, used as the main settlement unit for deposits and withdrawals.

AI System – Jinzhi's proprietary artificial intelligence system that monitors market data 24/7 and assists in the investment decision-making process.

3.1. Jinzhi is a technology-driven investment company that develops and uses proprietary AI systems to analyse:

• global stock markets,
• technology and AI-related companies (e.g. NVIDIA, Palantir and others),
• the cryptocurrency market.

3.2. Our systems:

• monitor market data around the clock,
• detect trends, anomalies and potential opportunities,
• help determine entry and exit timing for investments,
• support diversification across many projects at the same time.

3.3. We do not engage in aggressive day trading or extremely high-risk strategies. We focus on:

• long-term projects,
• more passive-style strategies,
• companies and sectors with real growth potential, especially in AI and new technologies.

3.4. Despite a conservative approach to risk, every investment involves the possibility of losing part or all of the invested capital. There is no guarantee of profit.

4.1. Jinzhi cooperates with Revolut as a payment and banking partner. In particular:

• for convenience, an Investor may open a Revolut Account (or use an existing one),
• on such an account the Investor may hold both fiat currencies (e.g. EUR) and selected cryptocurrencies,
• the Investor can exchange crypto into euro or other currencies within seconds, and vice versa, subject to Revolut's offer and current market conditions.

4.2. Revolut Bank UAB holds a banking licence within the European Economic Area and operates under the supervision of the European Central Bank and the Bank of Lithuania.

4.3. Crypto-asset services within the European Union are provided by Revolut Digital Assets Europe Ltd, which has received a licence under the MiCA regulation issued by CySEC, enabling it to provide regulated crypto-asset services across the EEA.

4.4. Important:

• Jinzhi is not a bank and does not operate bank accounts or provide payment services.
• The User opens and uses their Revolut Account independently, under a direct agreement with Revolut.
• Revolut is an independent third party – Jinzhi is not responsible for any acts or omissions of Revolut, including service availability, failures, exchange rates, fees, account freezes, etc.
• Revolut does not guarantee any investment results of Jinzhi and does not provide any promise of profit from Jinzhi's strategies.

4.5. All fees, exchange rates and terms of Revolut's services are solely determined by Revolut in its own terms and conditions. The User must read and accept Revolut's documentation before using Revolut services.

5.1. The Services of Jinzhi may be used only by natural persons who:

• are at least 18 years old,
• have full legal capacity,
• accept these Terms of Service and the Privacy Policy.

5.2. Registration on the Website may require:

• providing identification data (name, surname, country of residence, e-mail, etc.),
• verifying the e-mail address,
• undergoing KYC/AML procedures if required by applicable law or by our payment partners.

5.3. The User is obliged to provide true, accurate and complete data and update them in case of changes.

5.4. Jinzhi may refuse to open an account or may block an existing account if:

• the data are untrue, inaccurate or raise serious doubts,
• there is a suspicion of fraud, money laundering, terrorist financing, breach of law or these Terms of Service.

6.1. Jinzhi offers various Investment Packages, which may differ in particular in:

• minimum investment amount,
• recommended investment period,
• strategy type (e.g. higher share of technology stocks, higher share of crypto, more defensive profile, etc.),
• rules for remuneration of Jinzhi.

6.2. Detailed parameters of the Investment Packages (including minimum amount, portfolio structure, possible fees) are presented:

• in the description of the Package on the Website,
• in an individual offer,
• in documents provided to the Investor before entering into an agreement.

6.3. Investments carried out by Jinzhi may include, among others:

• exposure to technology and AI-related companies (e.g. NVIDIA, Palantir and other companies with real growth potential),
• selected cryptocurrencies and tokens,
• other long-term investment projects.

6.4. The portfolio is diversified – if one project performs worse in a given period, others may partially compensate those fluctuations. However, this is not a guarantee of stability – portfolio value can still fall.

6.5. Jinzhi does not guarantee any fixed rate of return or achievement of any specific financial result. All charts, simulations and historical examples are for information only and do not constitute a promise of future performance.

7.1. Investments are funded by transferring USDT (TRC20) to the wallet address indicated by Jinzhi in the Investor's panel or in an e-mail.

7.2. The Investor bears:

• the blockchain network fee (gas/fee) related to sending USDT,
• all costs associated with currency or crypto exchange on their side (e.g. in Revolut or on an exchange).

7.3. Funds are considered received once the required number of confirmations in the blockchain has been obtained and the transaction has been processed in Jinzhi's system.

7.4. Jinzhi may set a minimum investment amount (minimum package). This information is presented before the agreement is concluded.

8.1. The Investor has the right to:

• terminate the investment after the Package period ends (without an early termination fee),
• terminate the investment before the end of the Package period (early exit).

8.2. In case of early termination, Jinzhi charges a fee equal to 20% of the amount withdrawn from the investment. This fee is compensatory and reflects:

• costs of closing market positions earlier than planned,
• breaking long-term strategies,
• transaction costs and risks related to sudden changes in portfolio exposure.

8.3. Withdrawals are:

• made in USDT (TRC20),
• sent to the USDT (TRC20) wallet address specified by the Investor in the Investment Account,
• usually processed within 24 hours from the moment of the withdrawal request, subject to possible delays due to factors such as high network load, AML checks or technical issues.

8.4. The Investor bears all network fees related to sending USDT and any other charges applied by third-party providers (e.g. crypto exchanges, Revolut).

9.1. Jinzhi's AI systems:

• analyse market data continuously,
• detect trends, anomalies and potential opportunities,
• suggest allocation directions and diversification options.

9.2. Final decisions are not left solely to algorithms. We combine:

• AI-based data analysis,
• the experience of our traders and developers,
• a conservative approach to risk management.

9.3. The User acknowledges that:

• algorithms can be wrong,
• past performance of strategies does not guarantee future results,
• even the most advanced AI cannot eliminate investment risk.

10.1. By the end of 2026, Jinzhi plans to launch its own limited Jinzhi Token, designed to support an ecosystem of AI-related projects.

10.2. Key concepts (under development and subject to change):

• the token is intended to have a concrete technical function within the ecosystem,
• it should support integration and use of selected AI solutions,
• the total supply will be limited,
• early access may be granted in particular to Jinzhi Investors, who may receive some tokens free of charge, for example based on their activity and successfully referred users.

10.3. A listing of the token on an exchange is planned by the end of 2026, and a pool reward system is targeted for launch by March 2026. All of these plans may change depending on market, regulatory and technological conditions.

10.4. Information about Jinzhi Token does not constitute a public offer or investment recommendation. Full conditions, whitepaper and documentation will be presented before any distribution of the token.

11.1. The Investor acknowledges in particular the following risks:

• market risk – fluctuations in prices of stocks, cryptocurrencies and other assets,
• currency risk – changes in exchange rates, including EUR/USDT,
• technology risk – IT system failures, software errors, cyberattacks, blockchain network issues,
• regulatory risk – changes in laws relating to crypto, stablecoins or investment services, which may limit or prevent continuation of certain activities,
• stablecoin issuer risk (USDT) – potential de-pegging from USD, issuer-related problems, etc.,
• third-party risk – risk linked to crypto exchanges, banks, Revolut and other service providers.

11.2. Jinzhi does not guarantee capital protection, a specific rate of return or avoidance of loss. The Investor should invest only funds whose possible loss will not endanger their financial situation.

12.1. Jinzhi is not liable for:

• investment decisions taken independently by the Investor,
• losses resulting from normal market volatility,
• acts or omissions of third parties, including Revolut, crypto exchanges, blockchain operators, payment providers,
• difficulties in accessing the Website caused by failures, maintenance, force majeure or other events beyond our reasonable control.

12.2. Unless mandatory law provides otherwise, Jinzhi's liability is limited to the amount of funds actually deposited and not yet settled for a given Investor at the time of the event.

13.1. The User agrees to:

• use the Website in compliance with law and these Terms of Service,
• refrain from actions that may destabilise the Website,
• refrain from any attempt to gain unauthorised access to Jinzhi's systems.

13.2. The User is responsible for keeping their login credentials and access data to:

• their Investment Account at Jinzhi,
• their external accounts (e.g. Revolut, crypto exchanges),
• confidential and secure.

14.1. Complaints relating to the functioning of the Website or the provision of the Services can be submitted by e-mail to: Jinzhi-support@pm.me

14.2. A complaint should contain at least:

• Investor identification data,
• a description of the issue,
• the date when the problem occurred,
• the expected resolution.

14.3. Jinzhi will handle complaints within a reasonable time, generally within 30 days, and will inform the Investor about the outcome.

15.1. Jinzhi reserves the right to amend these Terms of Service in particular due to:

• changes in applicable law,
• introduction of new services or features,
• technological changes,
• the need to clarify provisions.

15.2. Investors will be informed of any changes with adequate notice (as a rule at least 14 days in advance) via:

• a notice on the Website,
• and/or e-mail.

15.3. Continued use of the Services after the effective date of changes constitutes acceptance of the amended Terms of Service. If an Investor does not accept the changes, they have the right to stop using the Services and request a payout of their funds (subject to the applicable rules on early termination).

16.1. Agreements between Jinzhi and the Investor are governed by the laws applicable at the seat of Jinzhi (currently the jurisdiction of Hong Kong), without prejudice to mandatory consumer protection provisions in the country of the Investor's habitual residence.

16.2. After the final relocation of the registered office to Dubai (UAE), the governing law may change. Any such change will be communicated on the Website and through an update of these Terms of Service.

16.3. Any disputes will first be attempted to be resolved amicably. If no agreement is reached, the dispute may be submitted to a competent court in accordance with the applicable governing law.