Terms of Service

These Terms govern the relationship between you and Sage Advance Global Services Ltd (“Sage”, “we”) in connection with the Sage Brokerage Platform (the “Platform”). By completing onboarding and confirming your first Transaction, you agree to be bound by these Terms in their entirety.

If you do not agree to any part of these Terms, you must not use the Platform. If you have questions before proceeding, please contact us at info@thesageglobal.com.

These Terms constitute a legally binding contract. If you are a legal entity, the individual accepting these Terms represents and warrants they have authority to do so on the entity’s behalf.

Sage Advance Global Services Ltd is incorporated in Ghana and is an applicant for Sandbox Admission under the Securities Industry (Regulatory Sandbox Licensing) Guidelines 2026 and the Virtual Asset Service Providers Act, 2025 (Act 1154). The Platform will commence operating only upon, and to the extent permitted by, Sandbox Admission.

Important: Sandbox Admission, if granted, is a temporary form of authorisation, typically valid for up to one year and subject to periodic review. The supervisory authorities may impose, modify or exempt specific requirements applicable to Sage during the sandbox period, and may convert, renew, modify or not renew the admission. We will notify you as soon as practicable of any such change.

• Lead sandbox regulator: Securities and Exchange Commission (SEC) — VASP Supervision.
• SEC contact: vasp@sec.gov.gh.
• Registered office: Accra, Ghana. P.O. Box GP 1695, GhanaPostGPS GT-192-6030.

Sage operates a virtual asset brokerage platform through which you may buy, sell and exchange Approved Virtual Assets (such as USDT and USDC) against Ghana Cedis or other Approved Virtual Assets. Trades are settled on a principal-to-principal, delivery-versus- payment basis through Sage’s segregated settlement wallets and accounts.

What we do not do:

• We do not offer, market or provide ongoing custody or wallet services.
• We do not hold or manage private keys for any client-owned wallet.
• We do not provide investment, tax or legal advice.
• We do not lend Virtual Assets or act as a market-maker outside the Platform.

Transient receipt of client Virtual Assets into segregated settlement wallets during the settlement window is part of our clearing-and-settlement function and does not constitute a standalone custody service.

To use the Platform you must:

• be at least 18 years old (individuals) or a duly incorporated legal entity;
• not be a designated or listed person under any applicable sanctions list (UN, EU, UK, US OFAC, or Ghanaian sanctions);
• not be resident in a Prohibited Jurisdiction as defined in our AML Policy;
• successfully complete our KYC / KYB onboarding, including sanctions and PEP screening; and
• comply with these Terms and all applicable Ghanaian law and regulation.

We may refuse onboarding, request additional information at any time, and terminate the relationship where required by law or our risk-based procedures.

You may submit orders through the Platform’s online interface or, for larger transactions, by contacting the Sage brokerage desk. A quote is not a binding commitment until both sides have confirmed the Transaction in writing.

Once a Transaction is confirmed:

• Buy orders: you send GHS to Sage’s settlement account; Sage releases the Virtual Asset to your whitelisted wallet once we verify receipt.
• Sell orders: you send the Virtual Asset to Sage’s settlement wallet; Sage releases GHS to your registered bank account once we verify receipt.
• Irreversibility: blockchain transactions and confirmed wire transfers are irreversible. Please check all payment and delivery details carefully.

If you provide erroneous wallet addresses or bank details, Sage is not liable for resulting losses. Where reversals are required due to bank or correspondent-bank error, applicable charges are your responsibility.

Sage charges a platform fee of 0.15% of the trade’s GHS notional value, disclosed on the order screen before confirmation. The rate you and your counterparty agree is the rate you get — Sage does not mark it up.

Bank wire charges and blockchain network fees are your responsibility. Sage reserves the right to introduce fees for ancillary services (such as historical record retrieval) with at least 30 days’ written notice.

Sage complies with the Anti-Money Laundering Act, 2020 (Act 1044), Act 1154 and applicable FIC guidance. We conduct ongoing monitoring, transaction screening, sanctions and PEP screening, and file Suspicious Transaction Reports where required. Full details are set out in our AML Policy.

We may suspend or terminate your access where:

• you breach these Terms or applicable law;
• we reasonably suspect fraud, money laundering, sanctions evasion or terrorist financing;
• a supervisory authority or law enforcement directs us to; or
• we are required to close the account for regulatory or operational reasons.

Where we propose to discontinue support for a Virtual Asset, we give you not less than 30 days’ written notice, during which you must complete pending Transactions in that asset.

The Platform, including its software, design, brand, trademarks and content, is owned by Sage or its licensors. You may use it only for its intended purpose. You must not reverse-engineer, scrape, resell, or otherwise misuse the Platform, and must not upload malicious code or attempt to gain unauthorised access.

We process your personal data in accordance with our Privacy Policy, which forms part of these Terms. Our Cookie Policy explains how we use cookies and similar technologies on the Site.

To the maximum extent permitted by Ghanaian law, Sage’s liability to you arising out of or in connection with these Terms or your use of the Platform is limited to the aggregate platform fees paid by you in the 12 months preceding the event giving rise to the claim.

Nothing in these Terms limits liability for:

• death or personal injury caused by gross negligence or wilful misconduct;
• fraud or fraudulent misrepresentation; or
• any liability that cannot be excluded or limited under Ghanaian law.

Force majeure: Sage is not liable for delays or failures caused by events beyond our reasonable control, including blockchain network outages, banking-system failures, natural disasters, or acts of government.

No endorsement of blockchain networks: Sage does not endorse or guarantee any underlying blockchain network. Virtual Asset values fluctuate and you may lose the full amount you transact.

Nothing on the Platform or in any Sage communication constitutes investment, tax or legal advice or a recommendation to enter any Transaction. You make your own decisions based on your own analysis and, where appropriate, independent professional advice.

We may amend these Terms from time to time. Material changes are notified with at least 30 days’ notice; continued use of the Platform after the effective date constitutes acceptance.

These Terms are governed by the laws of Ghana. Any dispute that cannot be resolved through our complaints procedure shall be subject to the exclusive jurisdiction of the courts of Ghana.

Email: info@thesageglobal.com. Business hours: 9:00 – 17:00 Ghana time, Monday to Friday, excluding public holidays.

For security incidents or suspected fraud, contact us immediately. We acknowledge enquiries within two business hours during business hours.