Legal Center

Terms of Use

1. Definitions

• "Mr Amwal", "the Company", "we" or "us": the operator of the Mr_Amwal brand, registered in the United Arab Emirates.
• "Services": the portal at mr-amwal.com, the "Amwal while you sleep" app (Mr_AmwalFund), the "Signals while you sleep" app (Mr_AmwalTrade), and any service we launch later, such as "Learn while you sleep" and "Trade while you sleep".
• "OKX": the virtual asset trading service provider where your account is opened, and the OKX entity you deal with based on your country of residence.
• "Your account": your account in the Services. "OKX account": your account with OKX.
• "Link": the authorization you grant on OKX's official page so our app can place trading orders on your OKX account.

2. Acceptance

By ticking the consent box at sign-up or by using the Services, you agree to these Terms and to the documents that form one agreement with them: the "Amwal while you sleep" Annex, the "Signals while you sleep" Annex, the Risk Disclosure, the Privacy Policy, the Commissions and Conflicts of Interest Disclosure, and the Subscriptions and Refunds Policy. If you do not agree, do not use the Services.

3. Nature of the Services

1. We provide technology tools and educational content. The trades and signals we show are general. They do not take into account your financial situation, goals or risk tolerance, and they are not personal investment advice.
2. We never control your money: we accept no deposits, hold no funds or assets for you, and the Link gives us no withdrawal or transfer access. Your money stays in the OKX account in your name.
3. Order execution and custody are carried out by OKX alone and are governed by the OKX terms you accepted when you opened your OKX account. We are not a party to your relationship with OKX.
4. We participate in the OKX Broker program under the official OAuth model, and we earn commissions from it as set out in the "Commissions and Conflicts of Interest Disclosure".
5. We do not guarantee any profit or result. Past performance does not guarantee future results.
6. You alone decide whether to use the Services, which portfolio or signal to choose, how much to allocate, and when to stop.

4. Eligibility

To use the Services, you represent and warrant that you:

1. are 18 years of age or older and have full legal capacity to contract;
2. are not a resident of, and are not using the Services from, any of the "Unavailable countries" in clause 5;
3. use the Services for yourself only, and the linked OKX account is in your name and verified with OKX;
4. use funds from lawful sources and are not on any sanctions list; and
5. are permitted to use the Services in your country of residence. Checking this is your responsibility.

5. Unavailable countries

We do not provide the Services to residents of:

1. the Hashemite Kingdom of Jordan;
2. the United States of America;
3. any country or territory subject to comprehensive sanctions by the United Nations or the United Arab Emirates;
4. any country or territory where OKX does not offer its services, as OKX states in its documents; and
5. any country whose law prohibits dealing in virtual assets or using services like ours.

The list currently includes: Jordan, the United States, Iran, North Korea, Cuba, Syria, Algeria and Morocco.

In some countries that restrict dealing in digital assets, we ask you at sign-up for an extra confirmation that you have checked your use of the Services is allowed in your country.

We may update this list at any time, verify your location by technical means, and refuse sign-up or suspend an account if your residence is in an unavailable country. If you move to an unavailable country, you must stop using the Services and remove the Link.

6. Your account and its security

1. You sign up with Google or with your email. Your details must be accurate and kept up to date.
2. One account per person. You may not share, sell or let anyone else use your account.
3. You are responsible for protecting your device, email, Google account and OKX account, and for everything done through them. Tell us immediately if you suspect any unauthorized use.
4. We will never ask for your OKX password or ask you to send money to anyone. Our official channels are listed in clause 19 only.

7. Linking with OKX

1. The Link is made on OKX's official consent page. We never see your password and never ask you for API keys.
2. The Link grants access to read account data and place buy and sell orders only, with no withdrawal or transfer access.
3. We send you a monthly statement of your activity based on your OKX account data. If anything differs, your OKX account statement is the reference.
4. You can remove the Link at any time from the app or directly from your OKX account. Once removed, the Services stop placing new orders.
5. OKX may change, stop or restrict its interfaces, or suspend your account, without notifying us in advance. We are not responsible for any of this.
6. Your OKX account and the orders executed there are subject to OKX's terms, policies and fees.

8. Fees

OKX charges trading fees on your account under its own policies, and they appear in your OKX account. Any fees we charge, such as subscriptions, are shown clearly before you pay or activate and are governed by the "Subscriptions and Refunds Policy". The commissions we earn are set out in the "Commissions and Conflicts of Interest Disclosure".

9. Acceptable use

You must not:

• republish, sell or share signals or trades, in whole or in part, with non-subscribers;
• copy the content, design or code of the Services, access our systems in unauthorized ways, or run automated programs against them;
• open more than one account, or game the rewards or referral programs;
• impersonate Mr Amwal or his team, or use our brand without written permission; or
• use the Services for any unlawful activity, including money laundering, terrorist financing or sanctions evasion.

10. Intellectual property

All rights in the Services and their content, including the name, logo, the Mr Amwal character, designs, signals, lessons and code, are owned by or licensed to us. We grant you a personal, limited, non-transferable licence to use them for yourself under these Terms only.

11. Disclaimer of warranties

We provide the Services "as is" and "as available". We make reasonable efforts for them to work correctly and continuously, but we do not guarantee they will be free of errors or interruption, that market data will be accurate or complete at every moment, or that any portfolio or signal will achieve any particular result.

12. Limitation of liability

1. We are not liable for any loss caused by market movements or by your investment decisions.
2. We are not liable for OKX's acts, failures or decisions, for failures of the internet, devices or third-party providers, or for force majeure.
3. We are not liable for any indirect or consequential loss, including loss of profit or opportunity.
4. In all cases, our total liability to you will not exceed the higher of: (a) the total you paid us for subscriptions in the twelve months before the claim, or (b) USD 100.
5. Nothing in these Terms limits our liability for fraud or gross negligence, or where the law does not allow liability to be limited.

13. Indemnity

You agree to indemnify us against any claims, losses or reasonable expenses, including legal fees, arising from your breach of these Terms or of the law, or from your misuse of the Services.

14. Suspension and termination

1. You can stop using the Services at any time: stop your portfolios, remove the Link, and delete your account from the "Legal Center" in the app.
2. We may suspend or terminate your account if you breach these Terms, if the law or a competent authority requires it, or if we see a risk to users or to the Services.
3. We may temporarily pause copying or signals for all or some users in exceptional market conditions, during technical failures, or for regulatory reasons.
4. In every case of suspension, open positions remain in your OKX account under your control, and you can close them directly on OKX.

15. Changes to these Terms

We may change these documents from time to time. For any material change, we notify you in the app and ask for your consent before you start a new portfolio or buy a new signal. Non-material changes, such as wording fixes, take effect when published. Each document shows its version number and effective date at the top.

16. Complaints

1. Make a formal complaint on the complaints page to get a reference number, or send it through official support on Telegram, @AmwalSupport, or by email to info@amwalco.com, with your account details and a description of the issue.
2. We acknowledge complaints within 2 business days and give a final response within 15 business days of receipt.
3. If you are not satisfied with the response, the complaint is escalated to management for review. After that, you may proceed under clause 17.

17. Governing law and disputes

1. These Terms are governed by and construed in accordance with the laws of the United Arab Emirates.
2. The parties will first try to settle any dispute amicably within 30 days of written notice by either party.
3. If the dispute is not settled amicably, it will be referred to arbitration under the rules of the Dubai International Arbitration Centre, seated in Dubai, before a sole arbitrator, in Arabic unless the parties agree on English. The award will be final and binding.
4. This clause does not take away any mandatory right that the consumer protection law of your country of residence gives you and that cannot be excluded by agreement.

18. General

• These documents form the entire agreement between us about the Services.
• If any provision is found invalid, the remaining provisions stay in force.
• Our failure to exercise any right is not a waiver of it.
• You may not assign your rights under these Terms. We may assign ours to any entity that succeeds us in providing the Services.
• Notices are sent to your registered email or inside the app.
• These documents are available in Arabic and English. If the two versions differ, the Arabic version prevails.

19. Contact

Official support on Telegram: @AmwalSupport · Email: info@amwalco.com · Website: www.mr-amwal.com

Annex: Amwal while you sleep

1. How the service works

You choose a portfolio with a stated risk level and set the amount you allocate to it. When Mr Amwal opens or closes a trade within that portfolio's strategy, our system sends a matching order to your OKX account, sized in proportion to the amount you allocated.

2. Your decision

1. You choose the portfolio, its risk level and the amount. Before you start it, and whenever you increase the amount, we ask you to confirm that you chose it yourself and understand the risks.
2. You can pause, stop for good, or change the amount at any time from the app.
3. Suitability check: before your first portfolio, and every 12 months, we ask you three questions to find the risk level that suits you. If you choose a riskier portfolio, or say the money is borrowed or needed soon, we warn you and ask for your confirmation before you continue. This warning does not make the service personal advice, and the decision stays yours.
4. When you pause or stop, no new trades are opened. Positions that are open at that time stay in your OKX account, and you can close them at any time from the app or directly on OKX, unless the app states otherwise when you pause or stop.

3. Why your result may differ from the portfolio's

Your result may differ from the result shown for the portfolio or from Mr Amwal's own result, and it may be a loss while the portfolio shows a gain. Reasons include:

• the time gap between Mr Amwal's trade and the order sent to your account;
• differences in execution price (slippage) and thin liquidity;
• OKX's minimum order sizes and rounding of quantities;
• trading fees;
• insufficient balance, which may cause an order to fill partly or not at all;
• loss of the Link, internet outages or system failures; and
• any manual trading you do in the same assets on the same account.

4. Displayed performance

Any performance we show for a portfolio is past performance and may not include trading fees or execution differences on your account. Past performance does not guarantee future results.

5. Fees

A subscription fee may apply depending on the allocated amount. It is shown on the review screen before you start. OKX charges trading fees on every trade.

Annex: Signals while you sleep

1. The signal

A signal is Mr Amwal's general educational view on an asset, with an entry range, targets and a stop loss. It does not take into account your financial situation and is not personal advice to you. Some details of a signal may appear only after you buy, and a signal may be available to buy for a limited time shown in the app.

2. One-tap buying

When you tap "Buy", you choose a share of your balance and confirm, and the buy order is sent to your OKX account. Before your first purchase, we ask you for a one-time confirmation that you understand what a signal is and its risks.

3. Exits: targets and stop loss

1. The trade is managed to exit across three targets, with the stop loss raised once the first target is hit, or as the app shows for that signal.
2. Target and stop-loss orders are executed either as orders placed with OKX or by our systems, which monitor the price and send the exit order.
3. In either case, orders may not fill at the exact price set, or at all, due to price gaps, thin liquidity, failures or loss of the Link. A stop loss does not guarantee your loss will be limited to the expected amount.

4. Published results

We publish the result of every announced signal. Published results are calculated on the signal's prices and may differ from your actual result because of execution price, timing and fees. Past results do not guarantee future results.

5. Packages

Your package sets the subscription period and the number of signals available to you, as shown in the app. Packages are governed by the "Subscriptions and Refunds Policy".

Risk Disclosure

Only use money you can afford to lose entirely without affecting your standard of living. The risks you should understand include:

1. Market risk

Digital asset prices are extremely volatile and can fall sharply within minutes. Many digital assets have no underlying asset or intrinsic value.

2. Liquidity and execution risk

There may not be enough liquidity to fill your order at the price you want. Slippage or price gaps may cause an order to fill at a worse price, or not at all.

3. Stop-loss risk

A stop loss does not guarantee your loss will be limited to the expected amount. In fast markets, it may execute at a much worse price.

4. Copy-trading risk

Your result may differ from the portfolio's or Mr Amwal's, as the "Amwal while you sleep" Annex explains. A strategy that worked in the past may not keep working.

5. Leveraged product risk

If you use any product with leverage or derivatives, losses can multiply quickly and your position may be liquidated.

6. OKX and third-party risk

OKX may suffer outages, suspend trading or withdrawals, be hacked, or face financial or regulatory problems. These risks are outside our control and are governed by OKX's terms.

7. Technology risk

Our systems, the internet or your device may fail, or the Link may drop, delaying orders or stopping them from executing.

8. Security risk

If someone else gains access to your device, email or OKX account, they may carry out transactions without your knowledge. Protect your accounts with strong passwords and two-factor authentication.

9. Stablecoin risk

Stablecoins such as USDT may lose their peg to the US dollar, temporarily or permanently.

10. Regulatory and tax risk

Laws in your country or elsewhere may change and restrict or ban dealing in digital assets. You are responsible for any taxes arising from your trading.

11. Conflicts of interest

We earn a commission from OKX on your trading fees, as set out in the "Commissions and Conflicts of Interest Disclosure".

Privacy Policy

We handle your data in line with the UAE Federal Personal Data Protection Law (Federal Decree-Law No. 45 of 2021) and to standards close to international data protection standards.

1. Data we collect

We do not collect your OKX password, API keys or full card details.

2. Legal basis

We process your data to perform our agreement with you, to meet our legal obligations, for our legitimate interests in protecting the Services and preventing fraud, and on the basis of your consent where required.

3. Who we share your data with

• OKX: to place orders and calculate commissions, under the Link you approved.
• Service providers: such as Google for sign-in, hosting and server providers, the payment provider and analytics tools. They process data on our behalf and only as needed.
• Competent authorities: where the law requires it.
• Ambassador program: if you signed up through an ambassador's link, the ambassador may see aggregated data about your activity, without your email or detailed balances.

We do not sell your data to anyone.

4. Transfers outside the UAE

Your data may be processed or stored outside the UAE by service providers. In that case, we take reasonable safeguards to protect it.

5. Retention

We keep your data for as long as your account exists. After you delete your account:

• we delete your account data within 30 days;
• we keep consent records, trade records and invoices for 5 years for legal and accounting purposes, then delete them; and
• we revoke the OKX link token immediately when you remove the Link or delete your account.

6. Your rights

You have the right to:

• request a copy of your data;
• correct your data;
• have your data deleted, within the limits the law allows;
• object to or restrict processing;
• withdraw your consent; and
• complain to the competent data protection authority.

You can delete your account from the "Legal Center" in the app, or email us at info@amwalco.com.

7. Security

We encrypt link tokens and sensitive data and restrict access to those who need it. If a breach is likely to harm you, we will notify you and the competent authorities as the law requires.

8. Cookies

We use cookies that are needed to run the website and apps, and simple local storage in your browser to remember preferences, such as the last service you used. If we add analytics or marketing tools, we will ask for your consent.

9. Minors

The Services are not aimed at anyone under 18, and we do not knowingly collect their data.

Commissions and Conflicts of Interest Disclosure

1. What you pay

• Trading fees: charged by OKX on every trade under its own policies, and shown in your OKX account.
• Our subscriptions: where they apply, shown before you pay or activate.

2. What we earn

• Broker commission from OKX: as participants in the OKX Broker program, OKX pays us a share of the trading fees from orders executed through our apps.
• Referral commission from OKX: if you opened or moved your OKX account through our link, OKX pays us a share of your trading fees under its referral program.
• Subscription fees: what you pay us directly.

OKX pays the first two out of trading fees, and they are not taken from your balance separately.

3. What we return to you and to ambassadors

We may return part of our commission to you through the rewards program, based on your rank, as shown in the app. If you signed up through an ambassador's link, the ambassador receives part of our commission, and this does not increase what you pay.

4. Conflicts of interest

• Because our commission is linked to trading fees, we earn more when you trade more. This is why the number of trades in portfolios is set by the strategy and not by commission, and you stay in control of the amount and of stopping.
• OKX is our commercial partner, so our content about OKX is not independent.
• Mr Amwal, his team or the Company may hold the same assets they trade or give signals on.

Subscriptions and Refunds Policy

1. Prices

Package prices and periods are shown in the app before payment, in US dollars. Taxes are added where the law requires them. Any price change does not apply to a period you have already paid for.

2. Payment

Payment is made through the payment provider shown at checkout. We do not store your full card details.

3. Renewal and cancellation

• If your package renews automatically, we tell you before you pay and remind you before renewal.
• You can cancel at any time before renewal. The next renewal then stops, and your package stays active until the end of its period.

4. Refunds

A subscription is a digital service that starts as soon as it is activated, so the amount for a period that has started is not refundable. The following cases are exceptions:

• you were charged twice for the same package;
• you were charged after cancelling renewal in time; or
• the service was unavailable through our fault for 72 consecutive hours or more. In that case, we refund an amount proportional to the outage or extend your package by the same period, at your choice.

Send refund requests through support within 14 days of the charge. We process them within 14 business days and refund to the original payment method.

5. Unused signals

Unused signals in a package do not carry over to a later period and are not refundable.

6. Payment disputes

If you dispute a payment with your bank without contacting us first, we may suspend your account until the dispute is resolved.

Licences and content rules

Licences

• Financial influencer licence from the UAE Capital Market Authority, held by the content creator behind the Mr Amwal brand, registration no.: —.
• Advertiser permit from the UAE Media Council, permit no.: —.

The financial influencer licence covers the financial content we publish to the public. The advertiser permit covers promotional content on social media.

Our content rules

• Opinion is not fact: our content makes clear what is verified information or data, and what is opinion, forecast or personal experience. Signals are always an educational view.
• Paid partnerships: OKX is our commercial partner. We make clear when any content is paid or linked to a commission.
• No promises: we never present guaranteed profits, and we include a risk warning with financial content.
• Official accounts: Telegram channel @MrAmwal, support @AmwalSupport, Instagram @mr_amwal, and all our accounts at linktr.ee/mr.amwal. Any other account using our name does not represent us.

Change log

• 1.1 · 7 November 2026: added the current list of unavailable countries and the confirmation for restricted countries, the suitability check in the "Amwal while you sleep" Annex, the complaints page with a reference number, the monthly statement, and suitability answers in the Privacy Policy.
• Non-material addition: the "Licences and content rules" section. It does not change your rights or obligations.
• 1.0 · 7 November 2026: first version.