Terms and Conditions

LabuanINS International Trust Digital Services

Effective Date: 17 June 2026 3:24pm

Welcome to LabuanINS International Trust Digital Services. These Terms and Conditions govern your access to and use of our websites, digital platforms, mobile applications, digital asset services, trust services, custody solutions, tokenization platforms, and related products and services.

By accessing or using any LabuanINS service, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.

1. About LabuanINS

LabuanINS International Trust provides digital trust, custody, tokenization, governance, administration, and related digital financial services to individuals, corporations, institutions, funds, foundations, and other legal entities.

Our services may include:

• Digital asset custody
• Digital asset administration
• Trustee and escrow services
• Security trustee services
• Real World Asset (RWA) tokenization
• Digital Sukuk administration
• Blockchain-based record keeping
• Compliance and governance solutions
• Digital identity and verification services
• Corporate and fiduciary services

2. Eligibility

To use our services, you must:

• Be at least 18 years old.
• Have the legal capacity to enter into binding agreements.
• Comply with all applicable laws and regulations.
• Not be subject to sanctions or restrictions imposed by any competent authority.
• Provide complete, accurate, and up-to-date information.

LabuanINS reserves the right to refuse service or terminate access at its sole discretion.

3. Account Registration

Certain services require account registration.

You are responsible for:

• Maintaining the confidentiality of your account credentials.
• Protecting your passwords and authentication devices.
• Ensuring all information provided remains accurate.
• Immediately notifying LabuanINS of any unauthorized access or security breach.

You remain fully responsible for all activities conducted through your account.

4. Know Your Customer (KYC) and Compliance

To comply with applicable regulations, LabuanINS may require:

• Government-issued identification
• Proof of residential address
• Corporate registration documents
• Beneficial ownership information
• Source of wealth declarations
• Source of funds verification
• Additional due diligence documentation

Failure to provide requested information may result in delays, suspension, or termination of services.

5. Anti-Money Laundering and Counter-Terrorism Financing

LabuanINS maintains strict AML/CFT compliance procedures.

We reserve the right to:

• Verify customer identities.
• Monitor transactions.
• Conduct compliance reviews.
• Request additional information.
• Delay, reject, freeze, or report transactions where required by law.

LabuanINS shall not be liable for actions taken in compliance with regulatory obligations.

6. Digital Asset Services

LabuanINS may provide custody and administration services for digital assets.

Clients acknowledge that:

• Digital assets are subject to market volatility.
• Blockchain transactions may be irreversible.
• Technology failures may occur.
• Regulatory treatment of digital assets may change.
• Digital asset values may fluctuate significantly.

LabuanINS does not guarantee the value, performance, liquidity, or future availability of any digital asset.

7. Tokenization Services

Where tokenization services are provided:

• The underlying asset remains governed by applicable legal agreements.
• Ownership rights are subject to the governing transaction documents.
• Regulatory approvals may be required before issuance or transfer.
• Secondary market trading is not guaranteed.
• Smart contract execution may be irreversible.

Clients are responsible for obtaining independent legal, tax, and financial advice before participating in any tokenized asset program.

8. Trustee and Custody Services

LabuanINS may act as trustee, custodian, escrow agent, nominee, or administrator.

Unless expressly agreed in writing:

• LabuanINS does not provide investment advice.
• LabuanINS does not guarantee investment performance.
• LabuanINS does not guarantee returns or profits.
• Beneficial ownership remains with the client or designated beneficiaries.

9. Fees and Charges

Clients agree to pay all applicable fees, including:

• Establishment fees
• Administration fees
• Custody fees
• Trustee fees
• Escrow fees
• Compliance fees
• Technology fees
• Transaction fees
• Service-specific charges

Fees may be revised from time to time with reasonable notice.

10. Client Responsibilities

Clients agree to:

• Use services lawfully.
• Provide accurate information.
• Comply with applicable laws and regulations.
• Maintain security of credentials and devices.
• Cooperate with compliance and verification requirements.
• Refrain from fraudulent, unlawful, or abusive activities.

11. Intellectual Property

All intellectual property relating to LabuanINS services, including software, systems, documentation, trademarks, logos, content, and technology, remains the exclusive property of LabuanINS or its licensors.

No ownership rights are transferred to users.

12. Privacy and Data Protection

LabuanINS may collect, use, process, and store personal information for:

• Service delivery
• Compliance obligations
• Risk management
• Regulatory reporting
• Customer support
• Security monitoring

Personal information will be handled in accordance with applicable data protection laws and our Privacy Policy.

13. Confidentiality

LabuanINS will maintain confidentiality of client information except where disclosure is:

• Required by law
• Required by regulators
• Necessary to provide services
• Authorized by the client

Clients likewise agree to maintain confidentiality regarding proprietary information belonging to LabuanINS.

14. Service Suspension or Termination

LabuanINS may suspend or terminate services if:

• False or misleading information is provided.
• Regulatory concerns arise.
• AML/CFT concerns arise.
• Security threats are detected.
• These Terms are breached.
• Continued service would violate applicable law.

Termination shall not affect accrued rights or outstanding obligations.

15. Risk Disclosure

Clients acknowledge that digital financial services involve risks including:

• Market risk
• Liquidity risk
• Technology risk
• Cybersecurity risk
• Smart contract risk
• Regulatory risk
• Operational risk

All decisions involving digital assets, tokenized assets, or financial products are made solely at the client's own risk.

16. Limitation of Liability

To the fullest extent permitted by law, LabuanINS shall not be liable for:

• Indirect losses
• Consequential losses
• Loss of profits
• Loss of business opportunities
• Market losses
• Digital asset value fluctuations
• Blockchain network failures
• Cyber incidents beyond reasonable control

LabuanINS' total liability shall not exceed the fees paid by the client for the specific service giving rise to the claim during the preceding twelve months.

17. Force Majeure

LabuanINS shall not be liable for any delay or failure caused by events beyond its reasonable control, including:

• Natural disasters
• Government actions
• War or terrorism
• Internet outages
• Power failures
• Cyberattacks
• Blockchain network disruptions
• Telecommunications failures

18. Shariah Compliance

Where services are designated as Shariah-compliant, such services shall be structured and administered in accordance with applicable Shariah principles and governance frameworks.

Any determination made by the appointed Shariah Advisory Board regarding Shariah matters shall be final and binding.

19. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Labuan, Federal Territory of Malaysia.

20. Dispute Resolution

Any dispute arising from these Terms shall first be resolved through good-faith negotiation.

If the dispute cannot be resolved amicably, it shall be referred to mediation and, failing resolution, to arbitration under the rules of the Asian International Arbitration Centre (AIAC).

The seat of arbitration shall be Labuan, Malaysia, and the language of proceedings shall be English.

21. Amendments

LabuanINS reserves the right to amend these Terms and Conditions at any time.

Updated Terms shall become effective upon publication on our website or digital platforms.

Continued use of the services constitutes acceptance of the updated Terms.

22. Contact Information

LabuanINS International Trust Ltd.
Level 1, Lot 7, Block F
Saguking Commercial Building
Jalan Patau-Patau
87000 Labuan
Federal Territory of Labuan, Malaysia

Email: info@labuaninstrust.com.my
Website: www.labuaninstrust.com.my