VERSION EFFECTIVE 1 NOVEMBER 2026

CLIENT AGREEMENT

(Terms of Business for Retail Clients)

THALVIA INVEST LTD, Limassol
Authorised and regulated by the Cyprus Securities and Exchange Commission (CySEC), Nicosia, as a Cyprus Investment Firm

§Contents

§How to read this AgreementExplained in Ch. 1

In this Agreement, “we”, “us” and “our” mean Thalvia Invest Ltd, and “you” and “your” mean the person who opens an account with us in the App.
Words that begin with a capital letter, such as Order or Client Money, are defined in clause 2.
Schedules 1 to 6 are part of this Agreement. If a Schedule and a clause of this Agreement conflict, the clause prevails.

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