Noble Financial Advisory Group

Conditions Generales de Vente (CGV) - Monaco

Date: 4 June 2026. Form: CGV. Language: French. Legal basis: Monegasque civil law. Registration details must be verified before publication of a binding contract.

1. Objet

Les presentes Conditions Generales de Vente regissent les relations contractuelles entre Noble Financial Advisory Group S.A.M., 98000 Monaco, Principaute de Monaco, et toute personne physique ou morale souhaitant proceder a un achat ou a une demande de service.

2. Prix

Les prix des services sont indiques en euros, sauf indication contraire. Toutes les commandes, quelle que soit leur origine, sont payables en euros. Le Vendeur se reserve le droit de modifier ses prix a tout moment avant confirmation contractuelle.

3. Paiement

Le reglement peut s'effectuer par carte bancaire, virement bancaire ou tout moyen de paiement confirme par ecrit. Aucun service restreint n'est ouvert avant verification du client et validation de la conformite.

4. Livraison et delais

Les produits numeriques, analyses et documents sont fournis a l'adresse ou au canal indique au cours du processus de commande. Les delais sont indicatifs et dependent de la verification client, de la disponibilite des donnees et des obligations KYC/AML.

5. Droit de retractation

Conformement a la legislation applicable a Monaco, les droits de retractation et exclusions eventuelles sont confirmes dans le contrat individuel, notamment pour les prestations personnalisees ou services financiers.

6. Juridiction competente

Les presentes conditions sont soumises a la loi monegasque. En cas de litige, les tribunaux de la Principaute de Monaco sont competents, sous reserve de dispositions imperatives applicables.

Fait a Monaco, le 4 June 2026.

Allgemeine Geschaeftsbedingungen (AGB) - Zug, Schweiz

Datum: 4 June 2026. Sprache: Deutsch. Rechtsbasis: Schweizerisches Obligationenrecht (OR). Handelsregister- und Bewilligungsdaten sind vor verbindlicher Verwendung zu verifizieren.

1. Geltungsbereich

Fuer alle Geschaeftsbeziehungen zwischen Noble Financial Advisory Group AG, CH-6300 Zug, Schweiz, und dem Kunden gelten diese AGB in ihrer zum Zeitpunkt der Bestellung gueltigen Fassung.

2. Vertragsschluss

Die Darstellung von Analysen, Software, Research und Beratungszugaengen auf der Webseite stellt kein rechtlich bindendes Angebot dar, sondern eine Einladung zur Anfrage. Ein Vertrag entsteht erst durch schriftliche Annahme, KYC/AML-Pruefung und Bestaetigung der zustaendigen Einheit.

3. Preise und Kosten

Preise, Gebuehren und allfaellige Nebenkosten werden vor Vertragsschluss transparent offengelegt. Steuern, Abgaben und Drittgebuehren richten sich nach dem anwendbaren Recht und dem vereinbarten Leistungsumfang.

4. Eigentumsvorbehalt und Nutzungsrechte

Software, Algorithmen, Research, Designs und Texte bleiben geistiges Eigentum der Noble Financial Advisory Group AG, Zug, soweit nicht schriftlich anders vereinbart.

5. Gewaehrleistung

Es gelten die gesetzlichen Gewaehrleistungsbestimmungen nach Schweizer Recht. Finanzmarkt-, Software- und Research-Ergebnisse sind keine Garantie fuer zukuenftige Wertentwicklungen.

6. Gerichtsstand und Recht

Fuer diese AGB gilt Schweizer Recht. Gerichtsstand ist Zug, Schweiz, soweit keine zwingenden verbraucher- oder aufsichtsrechtlichen Vorschriften entgegenstehen.

Terms and Conditions (T&C) - Kuala Lumpur, Malaysia

Dated: 4 June 2026. Language: English. Legal basis: Malaysian law, including Contracts Act 1950 where applicable.

1. Interpretation

"Company" means Noble Financial Advisory Group Sdn. Bhd., 50450 Kuala Lumpur, Malaysia, subject to registration and authority verification before binding publication. "Customer" means the person or entity purchasing goods or services from the Company.

2. General

These Terms and Conditions apply to orders and contracts for the sale or supply of products, research, software access or services by the Company. By placing an order, the Customer is deemed to have accepted the confirmed contractual terms.

3. Price and payment

Prices may be quoted in MYR, EUR, CHF or USD depending on the relevant entity and service. Payment must be made in full before delivery unless agreed otherwise in writing.

4. Delivery

Delivery dates are estimates only. Digital delivery, API setup and advisory onboarding may depend on compliance checks, broker availability and technical verification.

5. Return and refund policy

Research, software and tailored advisory work may be non-refundable once delivered or personalized, except where mandatory law provides otherwise or a defect is proven.

6. Governing law

These Terms and Conditions are governed by Malaysian law. The courts of Malaysia, Kuala Lumpur, have jurisdiction where applicable, subject to mandatory cross-border rules.

FAQ and Regulatory Information

1. Is Noble Financial Advisory Group regulated?

The group operates through entities in Switzerland, Monaco and Malaysia. Any regulated advisory, brokerage, insurance, asset-management, algorithmic trading or cross-border service is provided only after verification of the applicable entity, license, client jurisdiction and written contract. References to MiFID II, BaFin, IHK, FINMA, RCI, SSM or Labuan FSA are compliance frameworks and authorities to be checked for the specific service.

2. How does Biomatrix/QEOS Robo-Advisory work?

Biomatrix and QEOS use structured mathematical models including AHP, TOPSIS, Bayesian confidence, Monte Carlo simulation, FMEA, error correction and risk constraints. On-page calculations are educational simulations and do not execute trades.

3. What investment risks exist?

All investments can lose value, including total capital loss. Real estate, commodities, equities, cryptocurrencies, tokenized assets and xStocks are exposed to volatility, liquidity risk, regulatory change, model risk and execution risk. Backtests and optimization are not reliable indicators of future results.

4. How is data protected?

Client data should be handled through encrypted channels, secure data rooms and broker-grade API controls. API access should be non-custodial, withdrawal-disabled and based on OAuth or signed API requests wherever possible.

5. How are fees charged?

Fees depend on the confirmed service model: advisory work, software licensing, research access, SaaS tools or performance-linked structures where legally permitted. A written cost disclosure is required before a binding service starts.

6. What law applies?

Applicable law depends on the contracting entity, client domicile and service type. Jurisdiction is confirmed in the individual agreement.

Privacy Policy and Data Security Statement

Last updated: June 2026.

Noble Financial Advisory Group processes personal and financial data only where required for website operation, client onboarding, compliance, research access and algorithmic advisory services.

Applicable standards

Switzerland: revised Federal Act on Data Protection (FADP / revDSG). Monaco: Law No. 1.165 and CCIN framework. Malaysia: PDPA 2010. EU-GDPR is used as a global baseline for clients accessing systems internationally.

Data categories

Identity and contact data, KYC/AML documentation, technical/API data, risk preferences, portfolio parameters and communication records may be processed where necessary.

API security

API connections should be non-custodial, withdrawal-disabled and cryptographically signed. Raw private keys must not be stored in plain text. Secure OAuth, HMAC-SHA512 or exchange-equivalent signing is required where available.

Retention and rights

Data is retained only as long as required for contract, compliance or statutory archiving. Clients may request access, correction, deletion where legally possible, restriction of processing or withdrawal of consent for marketing.

Cookies

The website uses strictly necessary technical storage for local preferences and security-related functions. Analytics or marketing tools require consent where legally required.

DPO / Privacy contact: privacy@noble-financial-advisory-group.com

White Paper

White paper source: Book 55 Megastructure 99% Theorem Feasable - Basics.pdf. The local download library links the file from the website root.

The white paper is presented as research material. It does not constitute investment advice, legal advice, tax advice or a regulated offer.