Idealx Service Schedules

Definitions and interpretation #

A specific meaning or rule in the relevant service clause prevails over a general definition. References to an accepted schedule or record mean the version supplied for that service, not an undisclosed internal policy. Mandatory legal rights and obligations are not displaced by these definitions.

About this agreement #

Each schedule operates only for its identified service, provider and accepted version. The service selection record and applicable Service Particulars identify the arrangements offered to the Client. These terms do not replace required product disclosures or provider contracts.

Schedules are presented and accepted online during registration or later service activation. Only selected services appear in the applicable acceptance bundle. Third-party acceptance is captured by the provider-approved electronic process. Document availability, delivery of required disclosures, acceptance and provider activation are separate recorded events; a checkbox is not evidence that a person actually read or understood every document.

For each activated service, the Service Particulars identify the responsible provider and the capacity in which any professional firm or Idealx representative acts. Clauses 2.6 and 4.6–4.7 of the Client Services Agreement govern reusable onboarding evidence and professional instructions. Shared branding does not merge providers’ duties or remove an expressly accepted return obligation or guarantee.

Platform is the central commercial counterparty for the digital platform under clause 1.10 of the Client Services Agreement. Each service schedule identifies its actual provider and that provider’s direct obligations. This allocation does not change ownership of Client assets, professional mandates or privacy rights.

Auto Pilot and discretionary Managed Strategies use the MDA Client Agreement and their respective mandates and fees. Auto Pilot covers the eligible legal account; a Managed Strategy covers only its accepted allocation. Ordinary client-approved strategies remain governed by the Strategy Service Schedule. A product description does not activate discretionary authority.

A1. Service particulars #

Platform: Idealx Platform Pty Ltd. The Payment Provider Notice identifies the provider for each activated payment facility, its applicable terms and the actual account or wallet arrangement. The Service Particulars identify the account holder and capacity, Client entitlement, supported currencies, payment rails, cut-offs and normal transit times. They form part of the accepted service record. An unsupported facility is not supplied merely because it is described in these schedules.

A2. Payment-provider arrangements and replacement #

Idealx may appoint one or more appropriately authorised payment providers, banks and cash-service providers and replace or supplement them by currency, route or service. No exclusive or permanent use of a particular provider is promised. Routine routing and technical changes within the agreed service do not require re-signing unchanged Platform terms. Changes affecting the legal provider, holding structure, Client rights, access, fees or material risk remain subject to applicable disclosure, notice, migration and consent requirements, including any required new provider agreement. Provider substitution does not authorise a transfer of Client ownership or movement to an otherwise impermissible account. Idealx may consider lawful revenue and commercial terms alongside security, service quality and liquidity, subject to applicable conflicts and other duties.

Card deposits are not available at launch. Any later introduction requires supported provider arrangements, applicable terms and advance fee disclosure.

The Client authorises the Platform to send payment and account-administration instructions to the payment provider within verified permissions. The provider may require a direct end-user agreement. A platform balance may represent a ledger or wallet entitlement rather than a bank account in the Client's name; the Service Particulars explain the actual position.

Payments may be subject to processing times, reversals, beneficiary checks, financial-crime controls and supported payment rails. The Platform may require additional verification and refuse an unsupported or unlawful payment. A payment cannot always be recalled once accepted by the relevant network. Incorrect beneficiary details, disputed payments and unauthorised transactions will be handled under the applicable rules and responsibility provisions, not automatically allocated to the Client.

No representation is made that Idealx is a bank, that all balances are bank deposits, or that any deposit guarantee applies. Any protection claimed must be verified for the specific account structure.

For all supported fiat cash conversions, including major and emerging-market pairs, the agreed Idealx customer fee is 1% of the source principal converted, with no minimum, as detailed in the Fee Schedule. The responsible conversion provider and supported currency pairs must be identified before activation. The exchange rate, fee, total debit and destination amount are shown before confirmation.

Incoming bank transfers attract no Idealx deposit or receipt fee. Independent sender-bank or intermediary charges may affect the amount received; the Fee Schedule explains their treatment. Receipt alone does not trigger the separate conversion fee.

Completed supported domestic AUD bank transfers, including withdrawals to the Client's own external Australian bank account, attract 0.1% of the payment principal, minimum A$1 and maximum A$10. The fee is added to the principal and shown before confirmation. No transfer fee is charged for failure before completion. International and other payment types require separate pricing in the Fee Schedule.

For international payments, Idealx may appoint and replace appropriately authorised payment providers by route and currency, subject to due diligence, the relevant agreements and any required client disclosure or consent. Before use, identify the entity responsible for the service and supply any required provider terms. The Client accepts an electronic transaction-specific quote showing the transfer fee, any actual conversion and its 1% fee, known or possible third-party deductions, expected recipient amount and delivery time, as set out in the Fee Schedule.

A3 Cash placement earnings and access #

The Client Cash Placement and Earnings Agreement, completed Cash Service Particulars and any expressly applicable guarantee govern the activated cash-placement service. They exclusively specify permitted deposits, lawful earnings allocation, realisation, losses, charges and the ten Sydney Banking Day release and payment-submission limit, with external transit additional. Platform may use multiple providers and change permitted institutions within the accepted mandate. No additional placement fee applies. Ordinary payment balances do not enter that service until its actual holding and provider arrangements support it and the Client has accepted the completed authority.

The cash service ordinarily pays no interest to the Client. Platform retains only earnings lawfully available under Idealx Client Cash Placement and Earnings Agreement and the actual holder arrangements. Client principal, ordinary investment distributions and an expressly promised Client interest entitlement are not appropriated by that allocation. A licence, trust, bank account or third-party agreement is not created by this schedule. No new client-cash borrowing authority is granted.

B1. Provider and service #

Provider: Idealx Securities Limited, ACN 647 627 889, ABN 41 647 627 889, AFSL 531729, AFCA membership number 91298; address: 29 Wandypark Road, Wandandian NSW 2540, Australia. Customer support: support@idealx.com; contractual notices: notices@idealx.com; complaints: complains@idealx.com. Platform involvement: corporate authorised representative identified in the Service Particulars under AFSL 531729, authorised to provide general financial product advice and apply for, acquire, vary or dispose of products on behalf of retail and wholesale clients in these classes: basic and non-basic deposit products; government-issued or proposed government debentures, stocks or bonds; interests in managed investment schemes including investor directed portfolio services; and securities. This authority remains subject to the applicable licence conditions and does not, by itself, activate custody, personal advice, discretionary management, product issuance or client-asset reuse. The Securities Service Particulars identify the execution provider, supported markets, registered holder and any custodian or subcustodian for each account. They distinguish direct registration from nominee holdings and disclose the applicable rights and insolvency risks before activation. Providers may be changed under B6 and the core agreement.

The Securities Provider may arrange transactions in approved products within its actual authority. Supported markets, order types, execution venues, fees, dealing capacity and material conflicts must be disclosed. It may appoint and replace appropriately authorised execution and custody providers subject to due diligence, contractual duties and required disclosure or consent.

B2. Orders and settlement #

The Client authorises submission of valid orders to the selected execution arrangements. Orders may be partially filled, rejected, expire or execute at different prices within the chosen order conditions. Indicative prices are not firm execution commitments. Market orders are the principal intended order type for supported exchange-traded assets. Displayed market prices, portfolio values and estimated proceeds/costs are indicative, with data source/time and delay identified where relevant. Actual fills may differ, including materially in volatile or illiquid markets, and may occur at multiple prices. Neither the displayed price nor full/immediate execution is guaranteed. This does not remove applicable execution duties or excuse misleading/stale data handling. The order review identifies the market session, expiry, sizing rules and execution conditions before submission. An executed trade becomes binding when the executing broker or venue matches or accepts it as an executed trade under its applicable rules. An order may become irrevocable earlier once submitted; a request to cancel is not a confirmed cancellation. Cancellation is effective only if confirmed before binding execution.

The Client must provide settlement funds or securities when required. Failed settlement may incur reasonable disclosed costs attributable to the Client. Any close-out or asset sale requires a specific lawful authority, proportionate action, reasonable execution and accounting for proceeds; there is no unrestricted sale power.

B3. Direct registration #

For direct registration, the service particulars must identify the registered holder, registry or sponsorship arrangement, identifiers, settlement agent and separate terms. The Securities Provider receives only the transaction and administration authority actually granted. Directly registered securities are not automatically available for a pooled lending programme.

B4. Nominee and pooled custody #

For nominee custody, the particulars must identify the legal holder, custodian, relevant jurisdiction, nature of the Client's beneficial or contractual entitlement, asset separation, reconciliation and insolvency treatment. Holdings may be pooled where legally permissible and disclosed, with accurate individual entitlement records. Pooling does not itself permit lending, pledging, beneficial ownership transfer or use for Idealx's own account.

The completed custody particulars state provider and subcustodian responsibilities, reporting, transfer rights and applicable liability allocation. Any permitted lien is limited to the disclosed secured obligations; no automatic lien for unrelated Idealx debts is created.

B5. Corporate actions and distributions #

Dividends, distributions and corporate-action entitlements are credited or administered under the custody arrangement after disclosed charges and lawful deductions. Voluntary events and voting may require instructions before published cut-offs. If none arrive, the disclosed default applies. Idealx may not appropriate ordinary investment distributions under a general revenue-retention clause.

B6. Transfers and provider changes #

Idealx may facilitate transfers between approved arrangements with required disclosure and consent. A change materially affecting ownership, jurisdiction, segregation or insolvency rights requires express treatment before migration. Statements must identify which holdings use which structure. Closure is subject to settlement and genuine transfer constraints, not indefinite administrative discretion.

C1. Provider and service particulars #

Digital-asset services are supplied by Idealx Digital Assets Pty Ltd, ACN 667 364 276, ABN 39 667 364 276, Surry Hills NSW 2010, Australia. Support: support@idealx.com. Notices: notices@idealx.com. Complaints: complains@idealx.com. Its recorded AUSTRAC exchange identifier is DCE100854832-001; the current registration and enabled service scope are identified in the Service Particulars. AUSTRAC registration is not an AFSL, government endorsement or asset guarantee. Digital Assets does not currently have a separate AFCA membership. Supported assets, networks, execution, custody and withdrawal terms are supplied for the selected service. A service requiring additional permission is unavailable until that permission and its terms are effective.

Subject to verified permissions and availability, services may include buying, selling, conversion, custody, deposits and withdrawals. The Client is not promised interest or staking income under these ordinary service terms. Asset deployment for Idealx's benefit is not authorised by that statement.

C2. Trading and transfers #

A quote must identify the asset, quantity, price or calculation, fees/spread and validity period. For a firm quote, the transaction becomes binding when the provider accepts the Client’s confirmation within the quote validity period, as recorded in its confirmation. For a market instruction, the executed transaction becomes binding upon execution. Pending submission does not guarantee a fill or price. Market movements, liquidity and network costs may affect execution; Idealx may not retrospectively change a valid quote without a defined lawful basis.

The Client must use the supported address, network and required reference or memo. Blockchain transactions may be irreversible and unsupported deposits may be unrecoverable. The provider will assess reasonable recovery requests; any recovery charge must be disclosed and accepted. These risks do not excuse the provider's own breach or negligent transfer.

Transfers may require address checks, ownership information and financial-crime screening. Deposit crediting requires the disclosed confirmation standard. Limits and security holds must be proportionate and explained where legally permitted.

Crypto purchases, sales and crypto-to-crypto conversions have the 1% fee, with no minimum, in the Fee Schedule. One customer trade incurs one trading fee; technical routing does not add another FX fee. Supported incoming crypto deposits have no Idealx deposit fee. A withdrawal has the fixed total fee quoted before confirmation under section 9 of the Fee Schedule. A same-asset withdrawal does not incur the 1% trading fee. The accepted quote and Fee Schedule govern completion, cancellation and refunds.

For digital assets, general price displays are indicative. Where a binding quote is expressly offered and accepted, its terms prevail; the indicative-price description does not permit repricing that quote. Distinguish quote-based conversions from market execution before the Client commits. Unlisted fund subscriptions similarly use the applicable issuer valuation/allotment basis, not an assumed exchange market order.

C3. Custody options #

The ordinary custody model permits Digital Assets-controlled custody infrastructure and external custodians. Idealx Digital Assets may use either or both for different supported assets, networks or portions of holdings, and may appoint, replace or supplement suitable custodians within the accepted lawful structure. No exclusive provider, permanent wallet address or fixed allocation between internal and external custody is promised. The actual arrangement must be legally and operationally established before use. Before custody begins, disclose who controls keys, whether wallets are pooled, the Client's ownership or contractual entitlement, jurisdiction, reconciliation and withdrawal process. Segregation and insurance are represented only to the extent supported by the actual arrangement.

The default is pooled client custody wallets, separate from wallets holding company-owned crypto, with records identifying each Client's asset type, quantity and entitlement. Pooling may be used only where lawful for the asset and service and supported by the actual custodian arrangement. Maintain reconciliations between client records and assets held through internal and external custody. Dedicated wallets may be used where legally, operationally or contractually required; no dedicated blockchain address is promised to every Client. Pooling does not transfer beneficial ownership to Platform or Digital Assets, authorise use of one Client's assets for another's obligations, or by itself determine insolvency treatment. The ordinary-custody structure preserves Client beneficial ownership under a documented trust/custody arrangement. Each Client has the beneficial entitlement represented by its recorded quantity of each asset in the relevant pool, not ownership of a particular address or uniquely identified units. Idealx Digital Assets acts as custodian/trustee, or arranges a properly documented custody chain through an appointed holder, according to the actual structure disclosed before activation. The contracts must create and preserve that entitlement through the custody chain; do not substitute an unsecured repayment claim or promise an insolvency outcome merely by using the word trust. Necessary permissions and provider contracts must be in place before use. Do not treat a pooled balance or internal ledger alone as proof of segregation from a custodian's own assets.

Control may be exercised through the actual authorised key or signing arrangement, including appropriately implemented multisignature or distributed signing systems; do not imply that a technology vendor is necessarily the legal custodian. Define who can initiate and approve movements, recover access and administer the relevant controls. Digital Assets-controlled custody is not Client self-custody. Platform or Console access does not itself give the user private-key control.

Operational movement between hot and cold wallets or approved custodians may occur within the accepted structure without a new instruction for every administrative movement. Such movements are not customer trades or customer withdrawal requests and do not automatically attract a trading or withdrawal fee. No permission to bridge, wrap, swap or otherwise change the asset or network risk is inferred from ordinary wallet-movement authority. A material change in ownership or risk requires the applicable notice and consent. Ordinary custody authority excludes staking, lending, pledging and other asset reuse unless a separate active programme expressly provides otherwise. External delegation does not automatically remove Digital Assets’s own contractual or statutory responsibilities. Platform remains the platform commercial counterparty, but custody ownership and obligations follow the actual Digital Assets/provider structure, not group branding.

Within this ordinary custody structure, Idealx Digital Assets may choose appropriate hot/cold storage, signing technology, custodians and permitted subcustodians, allocate quantities between approved pools, rotate addresses and consolidate or split operational balances. Applicable authorisations, segregation, accurate entitlement records, security standards, permitted purposes and the Client's accepted instructions constrain those choices. No fixed provider or technical configuration is promised, and routine administrative moves within that authority do not require a new Client instruction. Jurisdiction and material-risk changes retain their disclosure/consent requirements.

The custody obligation is to hold and deal with the quantity of the relevant supported asset to which the Client is entitled, subject to valid transactions and lawfully agreed charges. Internal movements do not permit substitution with another token, a cash debt or a different ownership right. No lien or security over Client assets for Idealx's own financing is created. Any custodian rights over Client assets must be identified and permitted under the actual legal structure; an unlimited upstream right to seize Client assets for unrelated corporate debt cannot be treated as consistent with the agreed segregation.

Any future lending, staking, pledge or title-transfer programme must identify its actual ownership and return rights, eligible clients, permissions, risks and earnings allocation and be validly activated under separate terms. Those reusable terms may be included in registration when complete and lawful, but a generic ordinary-custody checkbox does not activate an unspecified programme. No existing agreed express guarantee is reduced by this custody selection. Physical/technical custody flexibility does not itself authorise economic use of the assets.

C4. Network events and cessation #

The provider may determine which networks, forks, airdrops and token migrations it supports using reasonable security, legal and operational criteria. It need not support every event. It must disclose material treatment, avoid arbitrary appropriation of established Client entitlements, and provide a reasonable transfer opportunity where practicable before support ends.

Withdrawals may be delayed by genuine network disruption, security incidents, legal restrictions or disclosed custody processing. Notice and updates must be provided where permitted. Unsupported indefinite delays or use of withdrawal restrictions to finance Idealx are not authorised.

D1. Scope and channel authority #

In these terms, “AI Assistant” or “Atlas” includes Atlas AI, Agent X, AtlasX and any renamed or successor version of these services, whether accessed in the client Platform or Console. A name change does not change the contracting entity or expand any permission. Atlas is an AI-enabled interface through which the Client and its authorised users may access information and initiate and perform supported Platform functions, including account administration, orders, conversions, transfers, withdrawals, fund subscriptions and strategy actions. Availability depends on activated services, the user's verified permissions, technical support, applicable law and provider requirements. This is a channel for those services, not a separate permission to use unavailable products or bypass their terms. The legal provider and capacity for each underlying service remain unchanged.

The Client may accept these reusable Atlas terms at registration. An authenticated instruction through Atlas may have the same effect as an instruction through another accepted Platform interface when it meets the applicable authority, disclosure and confirmation requirements. A question, hypothetical example, AI suggestion or ambiguous statement is not itself authority to transact. Atlas must seek clarification where material execution details are unclear rather than invent them.

D2. Transaction review and execution #

Every Client-initiated transaction through Atlas requires affirmative confirmation of the interpreted action before submission. The review identifies the account, asset or recipient, amount and currency, execution conditions, material fees, cash impact and limits. Confirmation uses a clearly identified control or an unambiguous authenticated response tied to that review, with stronger authentication or prescribed consent where required. This authorises that transaction without requiring repeat acceptance of unchanged terms. A materially different instruction needs fresh authority. Transactions generated by an active MDA are instead governed by the accepted MDA mandate and its manager controls.

For strategy subscriptions, the explained Invest and join action may combine subscription and initial order authority. Later strategy changes require the Client's Approve changes click as agreed in the strategy schedule; notification or a general request to follow a strategy does not replace it. Console users retain only their recorded authority; conversational access does not expand a Firm's mandate.

Market-order prices are indicative; accepted firm quotes and execution records retain their stated effect. A chat acknowledgment or proposed instruction is not evidence of execution: display the actual pending, rejected, partially executed or completed status. Cancellation remains subject to the underlying service and execution status. Apply controls against unintended duplicate submission; do not treat a technical retry as a new customer order without a valid basis.

D3. User responsibilities and allocation of risk #

The Client is responsible for the investment and transaction choices it authorises, the accuracy of information and instructions it supplies, reviewing the presented transaction details before confirming, and protecting its access credentials. Subject to applicable law and Idealx's own responsibilities, the Client bears ordinary market movements, losses from its authorised investment choices, and consequences caused by incorrect details it supplies and confirms. The Client must promptly report suspected unauthorised access or discrepancies when discovered. Failure to report does not automatically transfer every loss to the Client.

AI-generated responses may be inaccurate, incomplete or out of date. The Client should verify material information before acting. Atlas does not promise profitable results, error-free analysis, continuous availability or prevention of investment loss. The performance and indicative-information provisions in the core agreement apply. These qualifications do not excuse misleading statements or inaccurate transaction records, shift all responsibility for AI outputs to the Client, or override an express activated guarantee.

Responsibility for a disputed transaction depends on the actual instruction, permissions, controls, conduct and cause of loss. Confirmation does not waive liability for Idealx executing a different instruction, processing without valid authority, its own breach or fault, or liabilities that cannot lawfully be excluded. The core liability terms and mandatory rights prevail.

D4. Advice, discretion and safeguards #

Atlas does not acquire wider advisory or discretionary permissions because it uses AI. General advice must remain within the actual provider's authorisation and applicable disclosure requirements. Personalised recommendations or discretionary investment decisions require the appropriate lawful service arrangements before activation; generic warnings do not change the substance of advice. A request such as 'manage my money' does not by itself activate discretionary management or authorise unspecified trades.

Idealx may restrict, suspend or route an Atlas action to another supported channel where reasonably necessary for security, clarity, legal compliance or service capability. Atlas must respect account mandates, revocations, authentication, recipient controls and required approvals. Content in external documents, web pages or AI outputs is not a substitute for an authenticated user instruction.

D5. Records, privacy and support #

Idealx keeps records linking the authenticated person, instruction, interpreted action, relevant disclosures, confirmation, provider and outcome. Conversations and confidential information are handled under the Privacy Policy and service notices. Account acceptance does not authorise unrelated model training or public disclosure of Client information. The service explains material AI use and available support. Complaints and transaction disputes use the Client Services Agreement’s channels.

D6. Multiple providers and service changes #

Idealx may develop, host, licence, combine, select, replace and route requests among multiple AI models, hosting services, specialist tools and technical providers, including its own systems and third-party providers. Selection may vary by task, capability, availability, security or legal requirements. No particular model, vendor, model version, hosting location or permanent feature is promised unless expressly agreed. Provider substitution within the accepted service does not by itself require a new agreement or confirmation for every AI response. Material adverse service changes remain subject to the core notice and consent rules.

This flexibility does not authorise unrestricted disclosure of data. Personal and confidential information may be handled only for lawful, disclosed purposes, with appropriate access controls, provider safeguards and any required consent. Overseas processing or disclosure must comply with applicable privacy requirements. The privacy policy and relevant collection notices must describe actual AI uses, recipient categories and likely overseas disclosure countries where required and practicable; they must be updated when relevant arrangements change. Additional notice or consent must be obtained where legally required before the affected use or disclosure. No blanket waiver of Australian cross-border privacy protections is created.

Idealx may use appropriately de-identified information for lawful analytics, testing and service improvement, subject to confidentiality, contractual rights and reasonable measures against re-identification. Identifiable Client information, confidential Firm material and conversations are not authorised for unrelated general-purpose model training merely by acceptance of these terms. Any such use requires a separate assessed lawful basis and applicable disclosure or consent. Provider retention, training settings and permitted purposes must match the published notices and actual contracts.

D7. Console application #

The Console Services Agreement's AI Assistant provisions apply to Firm use, including onboarding assistance, fee administration and model/strategy preparation. A Firm user may confirm an action only within their own verified role and Client authority. AI availability does not itself grant access to every client, authorise new fees or permit acting as a client's signatory.

E and F Asset use and return protection #

the Idealx Client Asset Use Programme Agreement and Idealx Platform Asset Return Undertaking and Guarantee Deed Poll contain the separate Client Asset Use Programme Agreement and Platform Asset Return Deed. Ordinary custody does not authorise lending, staking, pledging, title transfer or deployment for Platform's benefit. The standard programme is voluntary, with Platform as primary Return Obligor. It requires a completed Programme Schedule, an issued deed, express Client opt-in and effective operational and regulatory arrangements before assets are deployed. Initial enrolment may occur at registration when those conditions are met; routine use within that mandate does not require repeated acceptance. The deed protects the promised asset quantity, not market value or an investment return. A Client checkbox does not execute the company deed.

G1. Direct investor relationship #

For this service, interests in a third-party unlisted fund are registered directly in the Client's name on the fund's register (using the appropriate legal holder and capacity for an entity or trustee). Idealx does not become the registered holder or nominee of those interests under this schedule. This schedule does not determine holding arrangements for exchange-traded securities, Idealx funds or other services.

The applicable product documents identify the issuer, responsible entity or trustee, manager and their respective roles. The Client applies for the investment under those documents. Idealx provides the identified technology and facilitation services, including transmitting authorised applications or instructions where supported and within its authority. The responsible Idealx entity and its role must be identified before activation. This service does not itself include discretionary portfolio management.

G2. Applications and issuer decisions #

Submitting an application through Idealx does not itself constitute issuer acceptance, allotment or a guarantee of price or processing time. The issuer's applicable terms govern acceptance, allotment, distributions and redemptions. Required disclosures and eligibility checks must be completed before submission. Record the version of each applicable document and the Client's electronic instruction and acceptance. The intended subscription route is a Client-authorised debit from the Client’s Idealx payment balance and credit to the specified fund-side Idealx payment balance, each identified by allocated payment details. The fund-side account is to be held by the named trustee or responsible entity expressly in its capacity for the identified fund, not as the manager’s general business account. The activated fund account arrangement governs settlement, application-money protections and rejected-application refunds. Money may be released only consistently with that arrangement and applicable law. An account credit does not by itself establish allotment or unrestricted availability for investment. Allocated BSB/account details do not represent that a separate bank deposit account is held in the Client’s or fund’s name.

G3. Product availability and information #

Idealx may determine product admission criteria and decline, suspend or remove access for licensing, disclosure, eligibility, operational or other reasonable commercial grounds. Removing a product from the interface does not cancel the Client's fund interest or change its governing terms. Provide available contact/instruction routes for existing holdings and comply with continuing obligations. Do not represent listing as a guarantee of returns or suitability.

Issuer-supplied values and information are identified with their source and effective date. Idealx corrects material display or transmission errors it identifies and directs fund-register corrections to the responsible provider. It remains responsible for its own services and legal obligations.

G4. Fees and separate programmes #

Any additional investor fee requires a completed disclosed and accepted fee schedule; no investor application or redemption fee is imposed by this schedule. Fund providers pay separate vendor technology fees under the Fund Provider Services Agreement; these are not charges to investors under this schedule. There is no additional Idealx internal subscription-transfer fee. Fund fees and expenses remain subject to the fund's own documents and applicable disclosure requirements.

Listing or applying for a third-party fund does not authorise Idealx to borrow against, lend or otherwise reuse the Client's fund interests, or retain distributions payable to the Client. No asset-use programme or guarantee is activated by accepting this fund-access schedule.

G5. Fund-side payment control #

The identified issuer, responsible entity or trustee may instruct payments from the fund-side account through its authorised Fund Console users only to the extent money is lawfully available and instructions comply with its capacity, fund documents, applicable duties and provider terms. Pending application money must receive any required holding, release and refund treatment. Neither receipt nor Console access permits unrestricted corporate use of scheme money. Fund registration does not grant the provider general access to a Client's other accounts or authority to debit further subscriptions without a valid Client instruction.

G6. Allocation of fund responsibilities #

The fund's identified issuer, responsible entity or trustee is responsible for investment decisions, use of scheme assets, application-money compliance, acceptance and allotment, valuations, distributions and redemptions within its legal role. Providing the Fund Console and payment facilities does not itself appoint Idealx to supervise investment decisions, approve the merits of each fund payment, audit the fund or guarantee its compliance or performance.

Subject to applicable law and the approved payment arrangement, Idealx may act on authenticated instructions and confirmations from authorised fund personnel without independently re-performing the fund's investment or allotment decisions. This does not permit reliance where Idealx knows an instruction is unlawful or where verification or action is required by its own duties, payment-provider terms or a relevant authority. Idealx retains its own technology, payment, distribution and other applicable responsibilities.

The exact application-money holding and release arrangement must be verified before activation. These terms do not impose an automatic requirement for manual Idealx approval of each allotment or fund payment; nor do they authorise unrestricted release contrary to applicable law. If a provider confirmation or automated status message suffices under the validated structure, the process may use it without manual Idealx investment approval.

G7. Fund service flexibility #

Platform may standardise application workflows, introduce supported integrations and accept issuer-supplied status updates through approved manual or automated channels. It may negotiate vendor terms without guaranteeing identical terms for every fund. Changes remain subject to accepted investor instructions, accurate disclosures, applicable distribution requirements and material-change rules. No exclusivity or commitment to place investor capital arises from listing.

H. Idealx-authored strategies #

The separate Strategy Service Schedule applies when the Client joins a strategy. The named author supplies the identified advice within its authority and the Client approves the initial and each subsequent strategy-change basket. This is distinct from independent Firm mandates, fund subscriptions and any separately authorised discretionary management.

I1. Future availability #

Idealx may introduce, list, distribute or facilitate access to Idealx-branded or related-party funds, including fixed-income and property funds, when the necessary structure, authorisations and operational arrangements are in place. Such funds are future products, not services activated by registration. Idealx may use an appropriately authorised external responsible entity, trustee, issuer or manager, or an appropriately authorised group entity. Branding alone does not establish which entity performs a regulated role or guarantees the investment.

I2. Existing platform terms and product-specific subscription #

These reusable access terms may be accepted at registration and apply when the Client later elects to access an eligible fund. No repeat acceptance of unchanged platform terms is required solely because a new fund is added. Making an optional fund available, without changing existing rights or services, does not itself require a separate announcement to every Client, subject to applicable law and contractual notice obligations.

Before the Client applies, identify the fund and issuer/RE/trustee, relevant Idealx roles, holding structure, eligibility, investment amount, fees and material risks, and supply required product disclosures by the legally permitted method and time. Provide access to applicable governing documents and application terms, and make any required target market determination available. A clearly explained electronic Subscribe and invest action may combine the application, investment instruction and acceptance of the identified fund-specific terms where legally sufficient. Preserve any additional consents or formalities required for the actual product. Registration is not advance acceptance of unknown future product terms and does not waive ongoing disclosure or notice obligations.

I3. Funds, fees and conflicts #

The Client's investment is subject to the actual fund documents, application acceptance, allotment, valuation, liquidity, withdrawal and distribution arrangements. Do not transfer or invest Client funds solely because a fund is launched or these access terms were accepted. An account balance or general Console mandate does not itself authorise an investment. Apply verified Client instructions and any mandatory personal consent requirements.

Idealx entities may receive lawful, disclosed management, administration, distribution or other fees, or hold interests in a fund or its providers, subject to actual authorisations, conflicts obligations and remuneration restrictions. This provision does not set or authorise an unspecified fee, override a prohibition or replace product-specific disclosure. Neither the strategy-service rate nor third-party vendor pricing automatically determines the fees of an Idealx-branded fund. Disclose applicable charges before subscription and prevent undisclosed duplication.

I4. Roles and activation #

Any Idealx-branded fund is offered only with the product documents, provider roles and permissions required for that fund. The offer identifies any Idealx issuer, manager, adviser or responsible entity role, eligibility and distribution requirements, conflicts, holding arrangements and acceptance conditions. A general permission to advise or deal in fund interests does not by itself authorise fund issuance, operation or custody. Your product rights and mandatory law prevail over a conflicting generic platform description.