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​1.3. Withdrawal and Notice: Vaults with a Notice Period (GrowVault, PrimeVault, QuantumVault) require the user to submit a withdrawal request in advance. The principal and accrued earnings will be released only after the specified Notice Period has elapsed. Early withdrawal from vaults with a Notice Period may be subject to a penalty, a reduction of the accrued interest, or may be prohibited, as detailed in the Earn+ FAQ.

1.4. Returns are Projected: Returns are projected, not guaranteed. Blockkoin reserves the right to adjust the stated returns (Monthly Return and Annual APY) at any time, subject to a notification period provided to active users. Returns are subject to market conditions and Blockkoin's proprietary yield generation mechanisms.

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2. Referral Reward Plan (Earn+)

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2.1. Eligibility: The Referral Reward Plan is a separate incentive program for users and partners who successfully refer new client deposits into the Earn+ Vaults using a verified referral code/link.

2.2. Reward Structure: Referrers are eligible for two components of reward:

* Upfront Commission: A 2% commission of the referred client's initial deposit into any Vault.

* Monthly Bonus: An additional 0.25% per month of the invested amount for deposits into the GrowVault, PrimeVault, and QuantumVault (subject to the client remaining invested for a maximum of six (6) months).

2.3. Payouts: All commissions and bonuses are calculated at the end of the month and paid on the 10th of the following month. Payouts will be in USDT or the equivalent value in ZAR (South African Rand), as determined by Blockkoin. Eligibility requires the referral code to be used at the time the client onboards or makes the deposit.

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3. Risk & Disclosures

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3.1. No Deposit Insurance: Deposits into the Earn+ Vaults are not insured by any governmental or private entity. The digital assets committed are subject to the risks inherent in the cryptocurrency market.

3.2. Smart Contract Risk: The Earn+ mechanism may rely on smart contracts. While Blockkoin utilizes rigorous security measures, users acknowledge the inherent risk of smart contract exploits.

3.3. Liquidity Risk: There may be circumstances affecting Blockkoin's ability to fulfill immediate withdrawal requests, especially during periods of high market volatility.

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4. General

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4.1. Amendments: Blockkoin reserves the right to modify these T&C at any time. The most current version will always be available on the BKR platform and/or www.blockkoin.io. Continued use of the Earn+ feature after any modification constitutes acceptance of the new T&C.

4.2. Governing Law: These T&C are governed by the laws applicable to the main Blockkoin User Agreement.