Effective Date: 07 January 2026

Please read these Terms of Use carefully before accessing or using this website. By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree, you must discontinue use of this website immediately.

1. About This Website

This website is owned and operated by NDB Holding Group (“NDB Group”, “we”, “our”, or “us”), including its affiliated companies, directors, officers, partners, and employees.

The content on this website is provided for general information purposes only and is intended solely for browsing and informational use.

2. Acceptance of Terms

Your access to and use of this website is conditional upon your acceptance of:

• These Terms of Use

• Our Privacy Policy

• Any additional terms, notices, or disclaimers displayed on specific pages

Any breach of these Terms may result in immediate termination of your access to the website without notice.

3. No Advice or Solicitation

Nothing on this website constitutes:

• Financial, investment, legal, tax, or accounting advice

• A recommendation to buy, sell, or hold any financial product or security

• An offer or solicitation in any jurisdiction where such activity would be unlawful

Before making any financial decision, you should consult a qualified NDB Holding Group adviser or your independent professional advisers.

4. Intellectual Property

All content on this website, including text, graphics, logos, images, documents, and design elements, is the intellectual property of NDB Holding Group unless otherwise stated.

You may:

• View, download, and print content for personal, non-commercial use only

You may not:

• Copy, reproduce, distribute, modify, publish, transmit, or exploit any content without prior written consent from NDB Holding Group

5. Website Use Restrictions

You agree not to:

• Use the website for unlawful or fraudulent purposes

• Attempt to gain unauthorized access to systems or data

• Introduce malware, viruses, or harmful code

• Misrepresent your identity or affiliation with NDB Holding Group

6. Accuracy of Information

While we take reasonable care to ensure accuracy, NDB Holding Group does not warrant that the information on this website is complete, accurate, current, or free from errors.

Laws, regulations, and market conditions may change, and content may become outdated without notice.

7. Monitoring and Availability

Your use of this website may be monitored for security, compliance, and operational purposes.

We reserve the right to:

• Modify, suspend, or discontinue any part of the website at any time

• Restrict access without notice

We are not responsible for interruptions, system outages, or technical failures beyond our control.

8. Third-Party Links

This website may contain links to third-party websites for convenience only. NDB Holding Group does not control or endorse the content of third-party websites and accepts no responsibility for them.

Accessing third-party websites is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, NDB Holding Group shall not be liable for any loss or damage arising from:

• Use of or reliance on this website

• Inaccuracies, omissions, or delays in content

• Website downtime, system failures, or cyber incidents

• Indirect, incidental, consequential, or punitive damages

Use of this website is entirely at your own risk.

10. Data Protection

Any personal data collected through this website will be processed in accordance with our Privacy Policy and applicable data protection laws.

11. Changes to These Terms

NDB Holding Group reserves the right to update or modify these Terms of Use at any time. Changes will be effective once published on this website. Continued use of the website constitutes acceptance of the updated terms.

12. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with applicable laws of the jurisdictions in which NDB Holding Group operates, without regard to conflict-of-law principles.

13. Contact Information

If you have any questions regarding these Terms of Use, please contact:

📧 operation@ndbholdinggroups.com