How your money is safeguarded

1. The principle — advice, not custody

axplusb is an advisory business. We analyse markets, profile your risk and recommend a portfolio. We do not take custody of client assets, we do not hold client money, and we do not execute trades on a discretionary basis.

That is not a policy we could quietly change: it follows from how the relationship is set up. There is no axplusb account for you to fund, and no mandate that would let us instruct your broker on our own initiative.

2. Where your assets are held

• You open an account in your own name with a broker or custodian of your choosing, and you contract with them directly.
• Your cash and securities are recorded on that provider's books in your name, subject to that provider's own client-asset rules and protections.
• axplusb receives, at most, read access to positions and valuations so that we can monitor your portfolio and advise on it.
• The providers we are able to work with, and the account types supported, are to be confirmed.

3. What we can and cannot do

We can

• Assess your risk profile and keep it under review.
• Recommend a portfolio and send you rebalancing advice when market conditions change.
• Monitor your positions against the downside limit you chose, and alert you.
• Explain a recommendation, in writing, before you act on it.

We cannot

• Hold, receive or transfer your money or securities.
• Place, amend or cancel an order without your confirmation.
• Withdraw funds from your account or change its payout instructions.
• Pledge, lend or re-use your assets in any way.

4. Payments and fees

You never send investment capital to axplusb. Money that you invest moves only between accounts in your own name — typically from your bank account to your own brokerage account.

Our advisory fee is billed separately and is set out in your client agreement before you subscribe. The billing method and the bank details used for fee payments are to be confirmed; they will only ever be communicated to you in a signed agreement, never by an unsolicited message.

5. Investor protection schemes

Because we do not hold client assets, a failure of axplusb does not put your portfolio at risk — it stays where it is, in your name.

Protection schemes that may apply to the assets held at your broker or custodian depend on that institution, its home country and its own membership. Ask your provider for their statement of protection, or ask us and we will point you to it. The schemes covering axplusb itself, if any, are to be confirmed. We deliberately make no claim of membership of a compensation scheme that we have not evidenced.

6. If axplusb stopped operating

• Your account, your cash and your securities would remain with your custodian, untouched and in your name.
• You would keep full control of your positions and could continue, sell or move them at will.
• What you would lose is the advice — recommendations, monitoring and alerts — not the assets.
• Client records would be retained and handled as described in our privacy policy.

7. Protecting yourself from fraud

Investment fraud usually starts with someone asking you to transfer money to an account you do not control. axplusb will never do that. Our official channels are:

WEBSITE

www.axplusb.eu

PUBLICATION

media.axplusb.eu

EMAIL

e.grigorian@axplusb.eu

If anyone claiming to be axplusb asks you to transfer money to them, promises guaranteed returns, or pressures you to act immediately, stop and tell us. More guidance is on our security page.

8. Contact

Questions about how your assets are held: e.grigorian@axplusb.eu. If something has gone wrong, use our complaints procedure.