Welcome to the Simple Earn platform — a digital asset growth solution designed for users seeking flexible, automated, and rewarding ways to manage idle cryptocurrencies. This Simple Earn User Agreement ("Agreement") governs your use of the Simple Earn products ("Products") offered on this platform (the "Platform"). By accessing or logging into the Platform—including its API, mobile applications, or other client interfaces—purchasing any Product, or clicking the "I Understand and Agree" button, you confirm that you have read, understood, and accepted all terms and conditions outlined in this Agreement, as well as those in the general User Agreement.
If you do not agree with any part of this Agreement or the User Agreement, please discontinue use of the Platform immediately. Continued access or purchase signifies unconditional acceptance of all terms. This Agreement is written in Chinese. Translations may be provided for convenience only; in case of discrepancy, the Chinese version shall prevail.
Scope and Applicability
This Agreement applies specifically to your purchase and redemption of Simple Earn Products on the Platform. It serves as a supplement to the general User Agreement, taking precedence where conflicts arise. Any matters not covered herein will be governed by the User Agreement.
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Amendments to the Agreement
The Platform reserves the right to modify or update this Agreement at any time, at its sole discretion. All changes will take effect immediately upon publication on the Platform or via user notification. Your continued use of the Products or Services constitutes acceptance of such modifications. If you disagree with any changes, cease using the service promptly.
Voluntary Participation
Your decision to invest in Simple Earn Products is entirely voluntary and based on your personal financial circumstances and risk assessment. The Platform does not provide investment advice, nor does it assume responsibility for third-party actions related to your transactions.
Risk Disclosure
Cryptocurrency investments offer high potential returns but come with significant risks. Below are key risk factors you must understand before participating:
1. Digital Asset Volatility
Digital asset markets are highly speculative, largely driven by investor sentiment rather than widespread commercial adoption. Prices can fluctuate dramatically within hours due to low liquidity, market manipulation ("whale" activity), or regulatory shifts. Unlike traditional stock markets, there are no daily price limits, and trading occurs 24/7. You acknowledge that losses resulting from price swings are solely your responsibility.
2. Regulatory and Legal Risks
Governments worldwide may introduce or revise laws affecting cryptocurrency trading, potentially leading to service suspension or prohibition. Any resulting financial loss due to legal changes falls entirely on you.
3. Technical and Cybersecurity Risks
While the Platform implements security measures, it cannot guarantee complete protection against viruses, malware, system failures, or hacking attempts. Internet-based systems are inherently vulnerable to outages, latency, or hardware/software malfunctions. The Platform assumes no liability for losses caused by technical disruptions beyond its control.
4. Force Majeure Events
The Platform is not liable for service interruptions caused by events such as natural disasters, power outages, strikes, wars, government actions, bank failures, or cyberattacks. These unforeseen circumstances may delay or prevent access to your assets.
5. Market Analysis Limitations
Any market commentary, price predictions, or third-party recommendations available through the Platform are for informational purposes only. The Platform does not endorse or verify their accuracy. All decisions based on such information are made at your own risk.
6. Account Seizure or Freeze
In compliance with legal authorities, the Platform may disclose user data or restrict account activities—including freezing or transferring assets—upon receipt of valid legal requests. Resulting consequences, including loss of access or privacy breaches, are borne by the user.
7. Other User-Related Risks
You accept full responsibility for losses due to:
- Forgotten passwords or lost account credentials
- Poor investment decisions
- Failure to log out after online sessions, enabling unauthorized access
- Authorizing third parties to act on your behalf
- Unexpected technical glitches during transactions
Important Notice: Investing in digital assets involves both profit potential and the risk of total capital loss. You must assess your financial capacity and risk tolerance carefully. This disclosure does not cover all possible risks—always conduct independent research. Market risk exists; invest wisely.
Service Performance Disclaimer
Simple Earn services may experience delays, suspensions, or execution variances due to network latency, system errors, or external factors. While the Platform strives for reliability, it does not guarantee uninterrupted or error-free operation. Discrepancies between expected and actual outcomes will not result in liability.
Product Overview
Simple Earn is available exclusively to registered users and aims to generate returns from idle digital assets through strategies such as:
- Lending and margin financing
- Bond-like fixed-income instruments
- Staking rewards via Proof-of-Stake (PoS) protocols
- Platform incentive programs
Available product types include:
🔹 Flexible Products
🔹 Fixed-Term Products
🔹 Recurring Investment Plans
Flexible Products
Coverage
Includes Flexible Earn options allowing hourly compounding returns.
Earnings Mechanism
Interest accrues one hour after successful subscription (T+1 hour). Returns are variable and reset hourly based on market conditions. Earnings are reinvested automatically into your balance, enabling compound growth.
Orders are matched against borrowing demand generated by other Platform services. During periods of low liquidity, funds from external sources may be used temporarily to maintain matching efficiency.
Redemption Process
You may redeem at any time. No interest is earned during the redemption hour. Asset return timing depends on liquidity, token type, and market activity.
From the moment you initiate redemption until assets are released back to your spot account:
- No interest is accrued
- Assets are inaccessible
Redemption processing times vary. The Platform may delay redemptions under low-liquidity conditions. Processing follows a FIFO (First-In-First-Out) principle, though priority adjustments may occur based on volume or market needs.
You acknowledge that delays could lead to partial or full value loss due to market movements.
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Auto-Earn Feature
When enabled, hourly transfers automatically move available spot balances into corresponding Flexible Earn products. Transfers may fail partially or fully if product quotas are full or individual holding limits are reached.
Fixed-Term Products
Coverage
Products with defined lock-up periods.
Key Rules
- No early redemption allowed
- Interest calculated using simple interest
- Daily updated rates; locked at subscription date (T+1)
- Principal and interest disbursed together one day after maturity
Auto-Rollover Option
If enabled and a matching Flexible Earn product exists for the asset:
- Upon maturity, principal + interest returns to your spot account
- System automatically re-subscribes the amount into the Flexible Earn product
Rollover may fail if capacity limits are exceeded or thresholds reached.
Recurring Investment Plans
Earnings & Execution
After enabling a plan:
- System uses USDT spot balance to buy selected cryptocurrencies at scheduled intervals
- If an active Flexible Earn product exists for that asset, purchased amount is auto-subscribed
- Otherwise, assets remain in your spot wallet
Execution depends on real-time availability and system performance.
Auto-Funding from Flexible Earn
With "Auto-Earn" enabled:
- If spot USDT balance is insufficient for a scheduled purchase
- USDT from Flexible Earn is redeemed automatically to cover the cost
All operations subject to actual processing results.
⚠️ If an order fails to execute within 10 minutes due to connectivity issues, system errors, or force majeure, it will be canceled to protect against price volatility—future plans remain unaffected.
Notification Delivery
All official communications—including notices, consents, or updates—are considered delivered when sent via:
- Internal Platform messaging (in-app notifications)
- Email or SMS
Delivery time equals send time.
General Provisions
This Agreement exists in electronic form. Users must review and accept all terms before proceeding. Should any clause violate applicable law, it shall be deemed invalid without affecting the enforceability of remaining provisions.
The final interpretation rights of this Agreement belong to HTX.
Frequently Asked Questions (FAQ)
Q: Can I withdraw my funds anytime from Flexible Earn?
A: Yes, redemptions are allowed at any time but take effect in the next hour cycle with no interest earned during that period.
Q: Are Fixed-Term products eligible for early withdrawal?
A: No. These products have fixed durations and cannot be redeemed before maturity.
Q: How is interest calculated for Flexible vs Fixed-Term products?
A: Flexible Earn uses hourly compounding on floating rates; Fixed-Term applies simple interest at a rate locked upon purchase.
Q: What happens if my Auto-Rollover fails?
A: Funds return to your spot account. No further action occurs unless manually re-subscribed.
Q: Why might a recurring investment order get canceled?
A: Orders failing execution within 10 minutes due to technical issues are canceled automatically to avoid unfavorable pricing.
Q: Who bears the risk if cryptocurrency prices drop after I subscribe?
A: All market-related risks—including capital depreciation—are borne solely by the user.
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