Welcome to the Simple Earn platform. This Simple Earn User Agreement ("Agreement") governs your use of the platform (the "Platform") and your participation in its crypto-earning products ("Products"). By accessing or logging into the Platform—including via 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 and refrain from purchasing any Products. Continued access or transactions will constitute your unconditional acceptance of these terms.
This Agreement is written in Chinese. Translations may be provided for convenience, but in the event of discrepancies between language versions, the Chinese version shall prevail.
Scope and Applicability
This Agreement applies specifically to your purchase and redemption of earning products on the Platform. It serves as a supplement to the general User Agreement, taking precedence in case of conflict. Where this Agreement does not specify certain terms, the provisions of the general User Agreement shall apply.
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Modifications to the Agreement
The Platform reserves the right to modify or update this Agreement at any time at its sole discretion. Any changes will become effective immediately upon publication on the Platform or through direct notice to users. Your continued use of the Platform or purchase of Products following such updates constitutes your acceptance of the revised terms.
If you do not accept any amendment, please cease using the Platform and its services without delay.
Voluntary Participation
Your decision to invest in Simple Earn Products is entirely voluntary and based on your own financial assessment and risk tolerance. Such activities are conducted independently and are not influenced by the Platform or third parties.
Risk Disclosure
While digital asset investments may offer high potential returns, they also carry significant risks. Please review the following risk factors carefully before participating.
1. Inherent Digital Asset Risks
Digital asset markets are relatively new, speculative, and highly volatile. Unlike traditional financial markets, they lack mechanisms like daily price limits and operate 24/7. Prices can fluctuate dramatically due to low liquidity, market manipulation ("whale" movements), or regulatory developments—resulting in gains or losses of hundreds of percent within a single day. You acknowledge and accept full responsibility for any losses arising from these market dynamics.
2. Regulatory and Legal Risks
Governments around the world may introduce or revise laws affecting digital assets at any time. Such actions could lead to trading suspensions, restrictions, or outright bans. Any resulting financial loss is solely your responsibility.
3. Internet and Technical Risks
Despite best efforts, the Platform cannot guarantee complete protection against viruses, malware, system failures, or connectivity issues. All access to services, downloads, and transactions occur at your own risk. We are not liable for losses caused by technical failures beyond our control.
4. Force Majeure
We assume no liability for service interruptions or delays caused by events outside our control, including but not limited to:
- System maintenance or outages
- Power failures
- Cyberattacks
- Natural disasters
- War, strikes, government actions
- Third-party failures (e.g., banking partners)
5. Market Information Risks
Any market analysis, price forecasts, or recommendations available through the Platform or provided by third parties (including affiliates) are for informational purposes only. We do not endorse, verify, or guarantee their accuracy. You bear full responsibility for decisions based on such information.
6. Account Seizure or Freezing
In response to lawful requests from judicial or regulatory authorities, we may be required to disclose user data or freeze accounts. Any resulting loss of access or value is your sole responsibility.
7. Other User-Related Risks
Losses due to the following are borne entirely by you:
- Lost credentials or forgotten passwords
- Poor investment decisions
- Failure to log out after online transactions leading to unauthorized access
- Authorizing others to manage your account
- Unforeseen incidents not attributable to the Platform
Important Notice: Investing in digital assets involves both profit potential and substantial risk. You must assess your financial situation and risk tolerance carefully. This disclosure does not cover all possible risks associated with crypto earning products. Market risk exists—invest wisely.
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Service Performance
Simple Earn services may experience delays, suspensions, or deviations due to network latency, system errors, or other uncontrollable factors. While we strive to maintain stable operations, we do not guarantee uninterrupted performance. If actual outcomes differ from expectations due to such issues, we shall not be held liable.
Product Overview
Simple Earn is designed for registered users seeking passive income from idle digital assets. Funds are deployed across various low-risk strategies such as lending, staking under Proof-of-Stake (PoS) models, and participation in platform incentives.
Available Product Types
- Flexible Products (on-demand redemption)
- Fixed-Term Products (locked duration)
Flexible Products
Eligibility & Coverage
Includes Flexible Earn products denominated in supported cryptocurrencies.
Earnings Mechanism
- Returns begin accruing one hour after subscription (T+1 hour)
- Hourly floating interest rates vary based on market conditions
- Earnings are compounded hourly and reinvested automatically into your balance
Orders are matched against existing borrowing demand generated by other Platform services. During periods of low liquidity, HTX may temporarily use alternative funding sources to fulfill demand.
Redemption Process
- Redemptions can be initiated anytime
- No earnings accrue during the hour of redemption
- Assets are returned based on current liquidity; timing varies by token and market activity
- Funds are unavailable during processing—you assume all associated opportunity costs
HTX displays estimated return times, which are final. Redemptions may be delayed due to insufficient liquidity. Processing follows a first-in-first-out (FIFO) principle, though HTX reserves the right to reprioritize based on volume or market conditions.
You acknowledge that delays could result in partial or total loss of value.
Auto-Earn Feature
When enabled, eligible balances in your spot wallet are automatically transferred hourly into corresponding Flexible Earn products. Transfers may fail partially or fully if product quotas are full or user holding limits are reached.
Fixed-Term Products
Terms & Conditions
- Fixed duration with predetermined yield
- No early redemption allowed
Interest Calculation
- Simple interest applied daily based on rate at time of purchase
- Accrual starts one day after subscription (T+1 day)
- Principal and interest paid out together one day after maturity
Auto-Rollover Option
If enabled and a matching Flexible Earn product exists:
- Upon maturity, funds + interest are credited to your spot account
- System automatically reinvests into the Flexible Earn product for that asset
Reinvestment may fail if capacity limits are exceeded.
Recurring Investment Plans (DCA)
Earnings & Execution
- Automatically purchases specified assets using USDT from your spot wallet at scheduled intervals
- If a Flexible Earn option exists for the purchased asset, funds are auto-subscribed upon successful purchase
- If no product is available or limits are hit, assets remain in your spot wallet
Failed orders due to system errors, network lag, or force majeure within 10 minutes will be canceled to protect against price volatility—but future scheduled buys remain unaffected.
Funding via Flexible Earn Balance
With “Auto-Earn” enabled: if spot USDT balance is insufficient for a DCA buy, funds will be redeemed automatically from your USDT Flexible Earn position to complete the transaction.
All actions depend on real-time system execution—final results prevail.
Notification Delivery
All official communications—including notices, consents, and updates—are considered delivered when sent via:
- Platform internal messaging system
- Email or SMS
Delivery time is deemed effective upon dispatch.
General Provisions
This Agreement exists in electronic form. Users must review and accept all clauses before proceeding. Should any provision conflict with applicable law, it shall be deemed invalid; however, the remainder of the Agreement remains fully enforceable.
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 can be initiated at any time, though no interest accrues during the redemption hour and processing times vary.
Q: Are Fixed-Term products guaranteed returns?
A: While returns are fixed based on initial rates, they are subject to market and operational risks outlined in this Agreement. Capital is not insured.
Q: Why was my Auto-Earn transfer unsuccessful?
A: Transfers may fail due to full product quotas or reaching individual holding caps. Check product availability and limits regularly.
Q: What happens if my DCA order fails?
A: Orders not completed within 10 minutes due to technical issues are canceled automatically. Scheduled future buys proceed as normal.
Q: How often do Flexible Earn rates change?
A: Rates adjust hourly based on market supply and demand dynamics for each asset.
Q: Who can access my account data?
A: Only authorized personnel and regulatory bodies with legal jurisdiction may access data under compliance protocols.
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