Welcome to Engelman Investment Securities. By accessing or using our services, you agree to comply with and be bound by the following Terms and Conditions. Please read these Terms carefully before engaging in any transaction with us.

1. Introduction

1.1 These Terms and Conditions ("Terms") govern your relationship with Engelman Investment Securities ("Company", "we", "us", or "our") regarding your investments in precious stones and related services.

1.2 By using our services, you agree to these Terms, our Privacy Policy, and any other applicable policies. If you do not agree with these Terms, you must not use our services.

2. Eligibility

2.1 To use our services, you must be at least 18 years old and legally capable of entering into binding contracts.

2.2 By using our services, you confirm that you meet these eligibility requirements.

3. Investment Services

3.1 Engelman Investment Securities offers opportunities to invest in precious stones, including but not limited to diamonds, rubies, sapphires, emeralds, and other gemstones ("Investments").

3.2 All investments are subject to the terms outlined in our investment agreements, which may include specific provisions related to minimum investment amounts, holding periods, fees, and risk disclosures.

3.3 You acknowledge that investing in precious stones involves risks, including but not limited to market volatility, liquidity risks, and potential loss of capital. Past performance is not indicative of future results.

4. Account Registration and Security

4.1 To invest with us, you must register an account and provide accurate, current, and complete information as required.

4.2 You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.3 You must notify us immediately of any unauthorized use of your account or any other breach of security.

5. Fees and Charges

5.1 Engelman Investment Securities charges fees for its services, which may include management fees, transaction fees, and other charges as outlined in our Fee Schedule.

5.2 All fees and charges are subject to change, and you will be notified of any changes through our website or by email.

5.3 You are responsible for paying all fees and charges incurred in connection with your account and investments.

6. Investment Returns and Risks

6.1 Engelman Investment Securities does not guarantee any returns on investments. All returns are subject to market conditions and other external factors.

6.2 You understand that investments in precious stones carry inherent risks, including but not limited to market risk, liquidity risk, and economic or political risks.

6.3 You acknowledge that you have read and understood the risk disclosures provided and agree to assume all risks associated with your investments.

7. Withdrawal and Liquidation Policy

7.1 Investors may request the withdrawal or liquidation of their investments subject to the terms of their specific investment agreements.

7.2 The timing and method of any withdrawal or liquidation are subject to market conditions and availability of buyers.

7.3 Engelman Investment Securities reserves the right to refuse a withdrawal or liquidation request if it is deemed not in the best interest of the investor or the Company.

8. Compliance and Anti-Money Laundering

8.1 Engelman Investment Securities complies with all applicable laws and regulations, including Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws.

8.2 You agree to provide any information or documentation reasonably requested by us to comply with our legal and regulatory obligations.

9. Intellectual Property

9.1 All content, trademarks, and data on our website or provided as part of our services are the property of Engelman Investment Securities or its licensors.

9.2 You may not reproduce, distribute, modify, or use any content without our prior written consent.

10. Limitation of Liability

10.1 Engelman Investment Securities shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or investments.

10.2 Our total liability to you in connection with these Terms shall not exceed the amount you have invested with us.

11. Indemnification

11.1 You agree to indemnify and hold Engelman Investment Securities, its directors, officers, employees, and agents harmless from any claims, losses, damages, or expenses arising from your breach of these Terms or your use of our services.

12. Termination

12.1 Engelman Investment Securities reserves the right to terminate your account and access to our services at any time for any reason, including but not limited to a breach of these Terms.

12.2 Upon termination, any pending investments will be handled per the relevant investment agreements.

13. Governing Law and Dispute Resolution

13.1 These Terms and Conditions are governed by the laws of [Your Jurisdiction], without regard to its conflict of law principles.

13.2 Any disputes arising from or related to these Terms or your use of our services shall be resolved through binding arbitration in [Your Jurisdiction].

14. Amendments

14.1 We reserve the right to amend these Terms at any time. Any changes will be posted on our website, and you are responsible for regularly reviewing these Terms.

14.2 Your continued use of our services after any changes signifies your acceptance of the updated Terms.