Terms of Service

Spirit Global Investment Advisors provides:

• SEC-registered investment advisory services
• Crypto-backed lending facilitation
• Portfolio management and risk assessment
• Due diligence and compliance services
• Strategic financial consulting

Our services are available to:

• Accredited investors as defined by SEC regulations
• Family offices with substantial assets under management
• High-net-worth individuals meeting minimum investment thresholds
• Institutional investors and qualified purchasers
• Entities that pass our due diligence and compliance screening

As a client, you agree to:

• Provide accurate and complete information
• Maintain sufficient collateral for lending arrangements
• Comply with all regulatory and reporting requirements
• Pay all fees, interest, and charges on time
• Notify us promptly of any material changes in financial situation
• Follow our security and custody protocols

Our fee structure includes:

• Investment advisory fees: 1.0% annually on assets under management
• Lending facilitation fees: As outlined in client agreements
• Custody and security fees: Passed through at actual cost
• Performance fees: Only if specifically agreed in writing
• All fees are disclosed transparently before engagement

You acknowledge and understand that:

• All investments involve risk, including possible loss of principal
• Cryptocurrency markets are highly volatile and unpredictable
• Past performance does not guarantee future results
• Lending arrangements carry counterparty and collateral risks
• Regulatory changes may affect service availability and terms

We maintain strict confidentiality of:

• All client financial information and portfolio details
• Personal and business information provided during due diligence
• Investment strategies and proprietary methodologies
• Communication records and advisory recommendations

Either party may terminate services with:

• 30 days written notice for standard advisory agreements
• Immediate termination for material breach of terms
• Immediate termination for regulatory or compliance violations
• All outstanding obligations remain due upon termination

Disagreements will be resolved through:

• Good faith negotiations between parties
• Mediation as required by FINRA regulations
• Arbitration under SEC and FINRA rules
• Applicable federal and state securities laws

These terms are governed by:

• U.S. federal securities laws and regulations
• SEC rules and guidance for investment advisers
• FINRA rules and regulations
• Applicable state securities laws
• General principles of contract law