Refund and Return Policy

This Refund and Return Policy ("Policy") outlines the terms and conditions under which OTG GROUP Ltd ("OTG GROUP", "the Company") may process refunds and returns of funds deposited into Client trading accounts. This Policy should be read in conjunction with the Client Agreement and any other applicable terms and conditions.

OTG GROUP applies the following general principles to all refund and withdrawal requests: a) Refunds and withdrawals are processed to the same payment method used for the original deposit, where possible and permitted by the payment provider. b) The Client must have completed all required identity verification procedures before any refund or withdrawal can be processed. c) All refund and withdrawal requests are subject to the Company's AML/CFT compliance procedures. d) The Company reserves the right to deduct any applicable fees, charges, or outstanding obligations from the refund amount. e) Refund requests are processed in the order they are received.

Refunds may be granted under the following circumstances: a) Duplicate Deposits: Where a deposit has been processed more than once due to a technical error, the duplicate amount will be refunded. b) Erroneous Deposits: Where a Client has deposited an amount in error (e.g., depositing a larger amount than intended), the excess may be refunded subject to verification. c) Service Unavailability: Where the Company is unable to provide its services to the Client due to regulatory restrictions or other reasons beyond the Client's control. d) Account Closure: Upon closure of the Client's account, any remaining balance (after deduction of applicable fees and outstanding obligations) will be returned to the Client. The Company does not provide refunds for: - Trading losses incurred by the Client - Fees and charges properly applied to the Client's account - Deposits where the funds have already been used for trading purposes

To request a refund, the Client must: a) Submit a withdrawal request through the Client Portal or trading platform. b) Provide any additional documentation requested by the Company for verification purposes. c) Ensure that sufficient funds are available in their trading account to cover the requested refund amount. Processing times for refunds: - Bank Wire Transfer: 3-5 business days - Credit/Debit Card: 5-10 business days (depending on the card issuer) - E-Wallets: 1-3 business days - Cryptocurrency: 1-3 business days The Company will process refund requests within two (2) business days of receiving all required documentation. The actual time for the funds to reach the Client depends on the payment provider.

Funds received as part of bonuses, promotions, or incentive programmes are subject to separate terms and conditions: a) Bonus funds are not eligible for withdrawal until the applicable trading volume requirements have been met. b) Requesting a withdrawal of the deposit amount before meeting the bonus conditions may result in the forfeiture of the bonus and any profits generated from the bonus. c) The Company reserves the right to void any bonus or promotional offer if it determines that the Client has abused the promotion or acted in bad faith. The specific terms and conditions for each bonus or promotional offer are provided at the time of the offer and should be reviewed carefully by the Client.

Refunds are processed in the currency of the Client's trading account. If the original deposit was made in a different currency, the refund amount may be affected by exchange rate fluctuations between the time of deposit and the time of refund. The Company is not responsible for any exchange rate losses that may occur during the refund process. Any currency conversion fees charged by the Client's bank or payment provider are the responsibility of the Client.

For any questions or concerns regarding this Refund and Return Policy, or to request a refund, please contact our Client Support team: Email: support@otggroup.net Live Chat: Available on our website 24/5 The Company reserves the right to amend this Policy at any time. Any material changes will be communicated to Clients through the Company's website or other appropriate channels.