These terms govern use of Alpha Credits websites and the Alpha app at alphacredits.org, www.alphacredits.org, and related hosts (the “Service”). By creating an account or using the Service you agree to these terms and the Risk disclosure.
Alpha Credits is a CeFi (centralized finance) platform for balances, deposits, withdrawals, internal transfers, market information, and related notifications. A DeFi (decentralized finance) experience is coming soon and is not live yet. Alpha is not a licensed bank in every region — please contact support to verify your region. It is also not a licensed broker-dealer, investment adviser, or money transmitter unless separately disclosed in writing. Balances shown in Checking, Savings, and Brokerage are 1:1 ledger records on our CeFi platform. They are not SIPC-protected. We have no affiliation with any government or state-sponsored program. The platform is privately owned and encrypted for safety. Virtual card numbers in the app are view-only and cannot be used at merchants. Market prices and charts are informational and may be delayed. DeFi features, when released, will be optional and described in an update to these terms and the Risk disclosure.
You must be at least 18 years old and able to form a binding contract. You must provide accurate information, keep credentials confidential, and use your transaction PIN for money movement and sensitive changes. You will be asked to set a PIN when you first sign in. We may suspend, restrict, or close accounts that appear abusive, unverified, high-risk, or in violation of these terms. You are responsible for activity under your login.
We may require government ID and proof of address before approving withdrawals or raising limits. Documents you upload are reviewed by operators. Approval is not guaranteed. Providing false documents is grounds for immediate suspension.
Bank and crypto deposits are credited only after review. Send crypto only on the network shown for that asset, and only from a wallet registered to your account (see section 5). Withdrawals go to the bank or wallet details you save in Settings. Incorrect destination details are your responsibility. Withdrawals may be held pending review. Rejected held withdrawals return funds to the source account. We may delay, reverse, or refuse a request that appears fraudulent, sanctioned, or over limit.
For security, you must register each crypto wallet you will use in Settings before sending or receiving crypto on the Service. Crypto deposits must be sent only from a wallet registered to your account for that asset.
Sending crypto from multiple wallets, from a wallet you have not registered, or from a wallet that does not match the address saved in Settings is against this policy. We may refuse to credit the deposit, hold the funds for review, and restrict or suspend the account.
Wallets linked to scams, theft, ransomware, mixers, sanctioned persons, or other illicit activity are prohibited. If a source or destination wallet is associated with such activity, we may freeze, restrict, or close your account and report the matter where required by law.
You may update a registered wallet in Settings. Do not send from the old address after you change it. We may require extra verification before accepting a new wallet.
Standard accounts: single outgoing transaction up to $10,000 and daily withdrawals up to $25,000. Premium accounts: $50,000 single and $100,000 daily. Verified members (identity approved) may request a withdrawal-limit upgrade in Profile to raise the single-transaction limit to $50,000. Transactions of $10,000 or more may be flagged for enhanced review (AML). Limits may change. Internal transfers between your own Alpha accounts are subject to the single-transaction limit. An upgrade does not skip review, KYC, or AML checks.
In special circumstances Alpha may offer a subsidized fee or a promotional credit to members during an announced event or period. These offers are discretionary. They are not a standing entitlement and they are not a condition of using the Service.
When a subsidy is granted, it lasts 24 hours from the grant time or from the published start of the event, whichever we state. Unused subsidy expires when that window ends. There is no cash alternative unless we say so in writing for that event.
Each member may use one subsidy per calendar month and a maximum of three per calendar year. The typical subsidy is 50% of the applicable fee or credit (that is the average). We may set a different percentage for a given event; we will state it when the offer is published.
We may refuse, withhold, or claw back a subsidy where identity is not verified, where the account is restricted, or where use would violate these terms, wallet policy, or law. A subsidy does not guarantee that a deposit or withdrawal will be approved.
Network, bank, and conversion fees charged by third parties are yours. You are responsible for taxes on activity in your jurisdiction. We are not your tax adviser. Any Alpha processing fee that applies to a request is shown before you confirm. Subsidies under section 7, when available, apply only to that published fee or credit and only within the 24-hour window.
You may not use the Service for fraud, money laundering, sanctions evasion, market manipulation, or to interfere with other users or our systems. Automated scraping of private account data is prohibited. Circumventing wallet registration, depositing from unregistered or multiple wallets, or using scam-related wallets is a violation of these terms and may result in immediate restriction.
The Alpha Credits name, logo, app, and site content are owned by us or our licensors. You receive a limited, revocable license to use the Service for your own account.
The Service is provided “as is.” We do not warrant uninterrupted access, error-free pricing, or that a deposit or withdrawal will complete in a particular time. To the fullest extent allowed by law we are not liable for indirect, incidental, or consequential damages, lost profits, or crypto sent on the wrong network, from an unregistered wallet, or to the wrong address. Our aggregate liability for a claim relating to the Service is limited to the fees you paid us in the prior three months (if none, one hundred US dollars).
You may close your account by contacting support after settling open requests. We may terminate or restrict access immediately for risk, legal, wallet-policy, or abuse reasons. Surviving sections include 10–14.
We may update these terms. Material changes will be posted on this page. Continued use after a change is acceptance.
support@alphacredits.org · hello@alphacredits.org · Live chat on any page. Platform notices: platform@alphacredits.org.