Last Updated: April 27, 2026
1. Introduction and Acceptance
These Terms of Service (“Terms”) govern your access to and use of the website operated by FDCTech, Inc. (referred to as “FDCTech,” “we,” “us,” or “our”), including www.fdctech.com and any related sub-domains, content, features, and services made available through the website (collectively, the “Site”).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.
These Terms apply to general visitors of the Site. Clients of FDCTech’s regulated subsidiaries are subject to additional terms, agreements, and disclosures specific to those entities and the financial services they provide.
2. About FDCTech
FDCTech, Inc. is a US-based public fintech holding company incorporated in the State of Delaware, with common stock traded on the OTC Markets under the ticker symbol FDCT. FDCTech operates through a group of regulated subsidiaries across multiple jurisdictions, including the United Kingdom, Malta, Australia, Seychelles, Cyprus, and Mauritius.
The Site is intended to provide general information about FDCTech, its corporate structure, business activities, investor relations, and the products and services offered by its subsidiaries.
3. Eligibility
You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use the Site. By using the Site, you represent and warrant that you meet these requirements.
The Site is not directed at, and the information contained on the Site is not intended for distribution to or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation, or where it would subject FDCTech or its subsidiaries to any registration requirement within that jurisdiction.
4. No Offer or Solicitation
The information on this Site is provided for general informational purposes only and does not constitute:
- An offer to sell or a solicitation of an offer to buy any securities, financial instruments, or services
- Investment advice, financial advice, legal advice, or tax advice
- A recommendation to engage in any transaction or to enter into any agreement
Any reference to FDCTech securities, including the ticker symbol FDCT, is for informational purposes only. Investment decisions should be made based on a careful review of FDCTech’s filings with the U.S. Securities and Exchange Commission (SEC), available through the EDGAR database, and in consultation with qualified financial, legal, and tax advisors.
5. Forward-Looking Statements
The Site may contain “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These statements may include words such as “anticipate,” “believe,” “expect,” “intend,” “plan,” “project,” “estimate,” “may,” “will,” “should,” and similar references to future periods.
Forward-looking statements are subject to risks, uncertainties, and other factors that may cause actual results to differ materially from those expressed or implied. FDCTech undertakes no obligation to update any forward-looking statement, whether as a result of new information, future developments, or otherwise, except as required by law.
6. Investment Risk Disclosure
Investing in financial markets, including foreign exchange (FX), contracts for difference (CFDs), equities, commodities, and digital assets, involves significant risk and may not be suitable for all investors. The value of investments can go down as well as up, and you may not recover the amount originally invested. Past performance is not a reliable indicator of future results.
Specific products and services offered through FDCTech’s regulated subsidiaries are subject to additional terms, risk disclosures, and regulatory requirements in their respective jurisdictions. Prospective clients should review all relevant documentation and consult qualified advisors before engaging with any financial product.
7. Regulatory Information
FDCTech, Inc. itself is a holding company and does not directly provide regulated financial services. Regulated services are provided through its subsidiaries, each of which is authorized and supervised by financial regulators in its respective jurisdiction:
- Alchemy Prime Limited (UK) is authorized and regulated by the Financial Conduct Authority (FCA)
- Alchemy Markets Ltd (Malta) is authorized and regulated by the Malta Financial Services Authority (MFSA)
- Alchemy Investments Ltd (Seychelles) is licensed by the Financial Services Authority (FSA)
- AD Advisory Services (Australia) is authorized and regulated by the Australian Securities and Investments Commission (ASIC)
- Xoala (Mauritius) holds a Payment Intermediary Services license issued by the Financial Services Commission (FSC)
Services offered by each subsidiary are governed by separate terms, conditions, and client agreements specific to that entity and jurisdiction.
8. Intellectual Property
All content on the Site, including text, graphics, logos, images, software, designs, and trademarks (collectively, the “Content”), is the property of FDCTech, its subsidiaries, or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may view, download, and print Content from the Site solely for your personal, non-commercial use, provided you do not modify the Content or remove any copyright, trademark, or other proprietary notices. Any other use, including reproduction, distribution, modification, public display, or commercial use, requires the prior written consent of FDCTech.
The names “FDCTech,” “Edge,” “Alchemy,” “Xoala,” and any associated logos are trademarks of FDCTech, Inc. or its subsidiaries.
9. User Conduct
You agree not to use the Site to:
- Violate any applicable law, regulation, or these Terms
- Infringe the intellectual property or other rights of FDCTech or any third party
- Upload, transmit, or distribute any malicious code, virus, or harmful software
- Attempt to gain unauthorized access to the Site, related systems, or other users’ accounts
- Interfere with or disrupt the operation, security, or integrity of the Site
- Use any automated means, including bots, scrapers, or crawlers, to access the Site without prior written consent
- Engage in any activity that could harm FDCTech, its subsidiaries, employees, clients, or the public
10. Third-Party Links and Content
The Site may contain links to third-party websites, services, or resources that are not owned or controlled by FDCTech. FDCTech is not responsible for the content, accuracy, or practices of any third-party site. Inclusion of any link does not imply endorsement by FDCTech. You access third-party sites at your own risk and subject to the terms and policies of those sites.
11. Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of information as described in the Privacy Policy.
12. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FDCTECH DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.
FDCTECH DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY INFORMATION ON THE SITE IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FDCTECH, ITS SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE, EVEN IF FDCTECH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
14. Indemnification
You agree to indemnify, defend, and hold harmless FDCTech, its subsidiaries, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
15. Modifications to the Terms
FDCTech reserves the right to modify these Terms at any time at its sole discretion. Changes will be effective upon posting to the Site, and the “Last Updated” date will reflect the most recent version. Your continued use of the Site after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
16. Termination
FDCTech reserves the right to suspend, restrict, or terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms. The provisions of these Terms that by their nature should survive termination shall survive, including provisions related to intellectual property, disclaimers, limitation of liability, indemnification, and governing law.
17. Governing Law and Jurisdiction
These Terms and any dispute arising out of or related to them or the Site shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles.
Any legal action or proceeding arising out of or related to these Terms or the Site shall be brought exclusively in the state or federal courts located in Delaware, USA, and you consent to the personal jurisdiction and venue of such courts.
18. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
19. Entire Agreement
These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and FDCTech regarding your use of the Site and supersede any prior agreements or understandings on the subject.
20. Contact Information
If you have any questions about these Terms, please contact us:
FDCTech, Inc. 200 Spectrum Centre Drive, Suite 300 Irvine, CA 92618 United States
Email: legal@fdctech.com
Phone: +1 877-445-6047
