Terms, simply.

This is a general, plain-language summary. The full, binding terms are shown in the app and must be accepted before any account is opened.

01Who we are

Ghars is a digital investing service for individuals. It is provided under the applicable regulations, and details of the provider are set out in the full terms inside the app.

02Your account

Your account is personal and can't be used on someone else's behalf.
You agree to give accurate information and keep it up to date.
You're responsible for keeping your device and sign-in methods safe.

03Investing and risk

Investments go up and down, and you may get back less than you put in. Past performance and example figures don't guarantee future results. The suggested portfolio is based on your answers and isn't comprehensive personal financial advice.

04Fees

Fees are shown in full before you invest. Any change is announced in advance, and you can withdraw before it applies. See the example fee table.

05Money in and out

Money comes from and goes to a bank account in your own name only. Transfers can take a few working days, and we may ask for extra checks to protect you.

06Ending the service

You can close your account at any time after withdrawing your balances. We may pause an account if we see a risk to your safety or a breach of the terms, and will tell you where we can.

07Contact

For any question about these terms, write to hello@ghars.example.