Withdrawal Policy

This Withdrawal Policy sets out the terms, conditions, and procedures governing the withdrawal of funds from client accounts held with Atlas Market Exchange. Please read this policy carefully to understand how withdrawals are processed, the requirements that apply, and the timeframes involved.

Atlas Market Exchange is committed to ensuring that the withdrawal process is secure, transparent, and efficient for all clients. As a fully licensed Danish bank operating under the supervision of the Danish Financial Supervisory Authority (FSA), all withdrawal requests are processed in strict accordance with applicable financial regulations, anti-money laundering (AML) requirements, and our internal compliance procedures.

By maintaining an account with Atlas Market Exchange and submitting a withdrawal request, you confirm that you have read and understood this Withdrawal Policy and agree to comply with its terms. This policy forms part of our Terms and Conditions and should be read alongside our AML & KYC Policy and Privacy Policy.

1. General Withdrawal Principles

The following general principles apply to all withdrawal requests submitted through the Atlas Market Exchange platform:

• Withdrawals can only be made to bank accounts or payment methods that are registered in the client's own name. Atlas Market Exchange does not permit withdrawals to third-party accounts under any circumstances.
• Withdrawals will only be processed once all required identity verification (KYC) and anti-money laundering (AML) checks have been completed and the client's account has been fully verified.
• All withdrawal requests are subject to review by our compliance team to ensure adherence to applicable AML regulations and internal risk management policies.
• Atlas Market Exchange reserves the right to request additional documentation or information from the client before processing any withdrawal request, particularly where the withdrawal amount is significant or where the source of funds requires further verification.
• Withdrawals will be processed in the same currency as the original deposit where possible. Currency conversions may apply where the withdrawal currency differs from the deposit currency, and applicable conversion fees will be clearly disclosed.
• Clients must ensure that all open positions are taken into account and that sufficient funds remain in the account to meet any outstanding margin requirements before submitting a withdrawal request.

2. Eligible Withdrawal Methods

Atlas Market Exchange supports the following withdrawal methods, subject to availability in your country of residence and any applicable regulatory restrictions:

2.1 Bank Wire Transfer

Bank wire transfers are the primary and preferred withdrawal method for all clients. Withdrawals via bank wire transfer are processed to the client's verified bank account as registered during the account verification process. The following conditions apply:

• The destination bank account must be held in the client's full legal name as registered with Atlas Market Exchange.
• Withdrawals are processed in accordance with the standard processing timeframes outlined in Section 4 of this policy.
• International wire transfer fees may apply depending on the destination country and bank. All applicable fees will be disclosed prior to processing.
• Atlas Market Exchange is not responsible for delays caused by the receiving bank's processing times or intermediary banking charges.

2.2 Credit and Debit Card

Where a deposit has been made using a credit or debit card, withdrawals may be processed back to the same card up to the amount of the original deposit. The following conditions apply:

• Card withdrawals are subject to the card issuer's processing policies and may take additional time to appear in the client's account.
• Withdrawals can only be returned to the card originally used to make the deposit. Atlas Market Exchange does not process withdrawals to different cards or to cards held by third parties.
• Any amount exceeding the original card deposit amount will be processed via bank wire transfer to the client's verified bank account.
• Atlas Market Exchange is not responsible for any charges or fees imposed by the card issuer in connection with the withdrawal.

2.3 Electronic Payment Methods

Withdrawals to electronic payment methods (such as e-wallets or online payment platforms) may be available subject to the following conditions:

• The electronic payment account must be registered in the client's own name and must match the name on the Atlas Market Exchange account.
• Withdrawals to electronic payment methods are subject to the same AML and compliance requirements as all other withdrawal methods.
• The availability of specific electronic payment methods may vary depending on the client's country of residence and applicable regulations.
• Processing times and applicable fees for electronic payment withdrawals will be disclosed prior to processing.

3. Minimum and Maximum Withdrawal Amounts

The following limits apply to all withdrawal requests submitted through the Atlas Market Exchange platform:

• Minimum Withdrawal Amount: The minimum withdrawal amount per request is EUR 10 or the equivalent in the applicable account currency. Withdrawal requests below this threshold will not be processed.
• Maximum Withdrawal Amount: There is no fixed maximum withdrawal limit per request. However, large withdrawal requests may be subject to additional compliance review, enhanced verification procedures, and extended processing times in accordance with our AML obligations.
• Available Balance: Withdrawal requests may only be made up to the available balance in the client's account. The available balance excludes any funds held as margin for open positions, any pending deposits not yet cleared, and any funds subject to a compliance or regulatory hold.

4. Withdrawal Processing Timeframes

Atlas Market Exchange aims to process all withdrawal requests promptly and efficiently. The following standard processing timeframes apply, subject to completion of all required compliance checks:

• Internal Processing: Withdrawal requests are reviewed and approved by our operations and compliance teams within 1 to 3 business days of submission. Complex requests or those requiring additional verification may take longer.
• Bank Wire Transfer: Once approved internally, bank wire transfers typically take an additional 1 to 5 business days to reach the client's bank account, depending on the destination country, the receiving bank's processing times, and any intermediary banking procedures.
• Credit and Debit Card: Once approved internally, card refunds typically take 3 to 10 business days to appear in the client's account, depending on the card issuer's processing policies.
• Electronic Payment Methods: Once approved internally, withdrawals to electronic payment platforms are typically processed within 1 to 3 business days, subject to the payment provider's processing times.

Please note that processing timeframes are business day estimates only and may be extended during periods of high demand, public holidays, or where additional compliance review is required. Atlas Market Exchange will notify clients of any significant delays in the processing of their withdrawal request.

5. Withdrawal Fees and Charges

Atlas Market Exchange aims to keep withdrawal fees as low as possible. The following fee structure applies to withdrawal requests:

• Standard Bank Wire Transfers: Atlas Market Exchange does not charge a fee for standard domestic bank wire transfer withdrawals. International wire transfer withdrawals may be subject to a processing fee, which will be clearly disclosed before the withdrawal is processed.
• Credit and Debit Card Withdrawals: No fee is charged by Atlas Market Exchange for withdrawals to credit or debit cards. However, the card issuer may impose their own charges, for which Atlas Market Exchange is not responsible.
• Electronic Payment Withdrawals: A processing fee may apply to withdrawals made to electronic payment platforms. Applicable fees will be disclosed prior to processing.
• Currency Conversion Fees: Where a withdrawal is processed in a currency different from the account's base currency, a currency conversion fee of 0.25% will apply, based on the relevant FX spot mid-price at the time of processing.
• Inactivity and Administrative Fees: If applicable under the current fee schedule, any outstanding inactivity or administrative fees may be deducted from the withdrawal amount prior to processing.

All applicable fees will be clearly presented to the client before the withdrawal request is confirmed and processed. Atlas Market Exchange reserves the right to update its fee schedule with prior notice to clients in accordance with applicable regulations.

6. AML and Compliance Requirements

All withdrawal requests are subject to Atlas Market Exchange's AML and compliance procedures. In accordance with our legal and regulatory obligations, the following requirements apply to all withdrawals:

• Same-Source Withdrawal Principle: In accordance with AML best practices, Atlas Market Exchange applies a same-source withdrawal principle, requiring that funds be returned to the same account or payment method from which they were originally deposited, up to the amount of the original deposit.
• Identity Verification: Clients must have completed full identity and address verification (KYC) before any withdrawal request will be processed. Requests submitted by clients whose verification is incomplete or pending will not be approved until verification is fully completed.
• Additional Documentation: Atlas Market Exchange reserves the right to request additional documentation to verify the source of funds, the legitimacy of the withdrawal, or to satisfy any other AML or compliance requirement before processing a withdrawal request.
• Compliance Holds: Atlas Market Exchange may place a hold on a withdrawal request if the request triggers any AML alerts, is associated with unusual account activity, or is subject to a regulatory inquiry or investigation. Clients will be notified of any compliance hold in accordance with applicable law, subject to any legal restrictions on disclosure.
• Suspicious Activity: If a withdrawal request is identified as potentially linked to money laundering, fraud, or other financial crime, Atlas Market Exchange is legally obligated to report the matter to the relevant authorities and may be prohibited from disclosing this to the client.

7. Withdrawal Restrictions and Conditions

Withdrawal requests may be restricted or delayed under the following circumstances:

• Open Positions and Margin Requirements: Clients with open leveraged positions must ensure that the withdrawal does not reduce the account equity below the required margin level. Atlas Market Exchange will not process a withdrawal request that would result in a margin shortfall or trigger the automatic closure of open positions.
• Pending Deposits: Funds deposited by bank wire transfer or other payment methods that have not yet been cleared and credited to the account cannot be included in a withdrawal request until the deposit has been fully processed and confirmed.
• Bonus and Promotional Funds: Withdrawal of bonus funds or promotional credits may be subject to specific terms and conditions as communicated at the time the bonus or promotion was applied to the account. Clients should review the applicable bonus terms before submitting a withdrawal request.
• Account Verification: Clients whose accounts are not fully verified or whose verification documents have expired will not be able to process withdrawal requests until the required documentation has been provided and verified.
• Regulatory or Legal Holds: Withdrawals may be restricted or suspended if the client's account is subject to a regulatory investigation, court order, legal process, or any other official instruction requiring the restriction of account activity.
• Suspected Fraudulent Activity: Atlas Market Exchange reserves the right to suspend withdrawal processing if there are reasonable grounds to suspect fraudulent activity on the account, pending the outcome of an internal or regulatory investigation.

8. Account Closure Withdrawals

Where a client requests the closure of their Atlas Market Exchange account, the following procedures apply in respect of the withdrawal of remaining funds:

• All open positions must be closed by the client prior to submitting an account closure and withdrawal request. Atlas Market Exchange will not process an account closure while open positions remain.
• Any outstanding fees, charges, or liabilities owed to Atlas Market Exchange will be deducted from the account balance before the remaining funds are returned to the client.
• The remaining account balance will be returned to the client via the client's primary registered withdrawal method in accordance with the processing timeframes set out in Section 4 of this policy.
• Where the account balance is in multiple currencies, currency conversion may be required before the funds are returned. Applicable conversion fees will apply as set out in Section 5 of this policy.
• Following the closure of an account and the return of funds, Atlas Market Exchange will retain all required records in accordance with our data retention obligations and applicable law.

9. Rejected and Failed Withdrawals

In certain circumstances, a withdrawal request may be rejected or may fail to complete successfully. Common reasons for withdrawal rejection or failure include:

• The client's KYC verification is incomplete or has expired.
• The withdrawal amount exceeds the available account balance.
• The requested withdrawal method is not registered in the client's name or does not match the account details on record.
• The withdrawal request has been flagged by our compliance team pending further review.
• The receiving bank or payment provider has rejected the transfer due to incorrect account details, account restrictions, or other banking policies.
• The withdrawal request is inconsistent with our AML policies or has triggered a suspicious activity alert.
• The client's account is subject to a regulatory, legal, or compliance hold.

Where a withdrawal request is rejected, Atlas Market Exchange will notify the client of the reason for rejection where permitted by applicable law. Clients may resubmit a corrected withdrawal request after resolving the issue that caused the original rejection. If funds from a failed withdrawal are returned to the Atlas Market Exchange account, they will be credited back to the client's account balance.

10. Client Responsibilities

Clients are responsible for ensuring that all withdrawal requests are submitted accurately and in accordance with this policy. Specifically, clients must:

• Ensure that all bank account details, card details, or electronic payment details provided for withdrawal purposes are accurate and up to date.
• Maintain up-to-date identity and address verification documentation to avoid delays in withdrawal processing.
• Notify Atlas Market Exchange promptly of any changes to their registered withdrawal methods, bank account details, or personal information.
• Ensure that they are aware of any fees, conversion charges, or other costs associated with their withdrawal request before submitting it.
• Contact our client support team immediately if they believe a withdrawal has been processed incorrectly, has not been received within the expected timeframe, or if they have any concerns about the security of their account.

Atlas Market Exchange will not be held responsible for any loss, delay, or failure arising from the client's submission of incorrect withdrawal details or failure to comply with the requirements set out in this policy.

11. Changes to This Policy

Atlas Market Exchange reserves the right to amend this Withdrawal Policy at any time in response to changes in applicable laws, regulations, or internal business requirements. Where changes are material, we will provide reasonable prior notice to clients through the platform or via email before the changes take effect.

The most current version of this Withdrawal Policy is always available on our platform and website. Clients are encouraged to review this policy periodically to remain informed of the terms and conditions governing withdrawals.

12. Contact Us

If you have any questions about this Withdrawal Policy, need assistance with a withdrawal request, or wish to report a concern regarding your account, please contact us through the following channels:

• Email: info@atlasmarketexchange.com
• Client Support: Available through the Platform's live chat and help centre.
• Registered Address: Atlas Market Exchange, Hong Kong.

Our client support team is available to assist you with all withdrawal-related enquiries and is committed to ensuring that your funds are returned to you securely and efficiently in accordance with this policy.