2.1 Account creation
Marrowen Group will create the necessary crypto exchange accounts on behalf of, and with permission of the user. Once account set-up is complete, users are provided with the account credentials and password change instructions, at which point users will have full control over their account. Users are the full and sole owner of their exchange accounts and carry all responsibilities that come with opening, holding, and managing such accounts.
2.2 Asset allocation
Marrowen Group uses dynamic, proprietary algorithms to define and perform portfolio allocation, based on user input. Manual trades or transactions conducted by users may limit Marrowen Group’s account monitoring and reporting ability.
2.3 Fund deposits and withdrawals
Users are responsible for depositing and withdrawing funds to/from their account, however Marrowen Group will provide clear instructions on how to do so.
2.4 Account monitoring and reporting
Marrowen Group will continuously monitor user accounts and provide users with a monthly dashboard with easy-to-understand portfolio and performance details.

4.1 Infrastructure
Marrowen Group is powered by Google Cloud. Google Cloud helps reducing the cost, complexity, and risk associated with security and compliance in the cloud.
4.2 Exchanges
Marrowen Group thoroughly vets its partners and only works with major “top-10” exchanges. User funds remain on their personal exchange account and interactions between Marrowen Group and user accounts are performed by means of customer owned API keys. API access is limited, hence in the unlikely event of a security breach, no fund withdrawal can take place.

5.1 Financial advice
Marrowen Group does not provide financial advice. Marrowen Group is not a Registered Investment Advisor, Broker/Dealer, Financial Analyst, Bank, Securities Broker, Commodity Trade Advisor, or Financial Planner. The information provided, such as optimal fund allocation, is based on user input and for information purposes only. The Information is not intended to be and does not constitute financial advice or any other advice, is general in nature and not specific to you. Before using Marrowen Group, users should seek the advice of a qualified investment professional and undertake their own due diligence. Marrowen Group is not responsible for any investment decision made by users.
5.2 Warranties
Marrowen Group disclaims to the full extent authorized by law any and all warranties, whether express or implied, including, without limitation, any implied warranties, merchantability or fitness for a particular purpose. Marrowen Group does not warrant that its services and applications will be free of bugs, errors, viruses or other defects, nor that trade results will be profitable.
5.3 Liability
In no event can Marrowen Group or any of its owners be liable to users or any party related to users for any indirect, incidental, consequential, special, exemplary, or punitive damages, lost profits, or losses, even if Marrowen Group has been advised of the possibility of such damages. In any event, Marrowen Group’s total aggregate liability to users for all damages of every kind and type (regardless of whether based in contract or tort) shall not exceed the fees paid to Marrowen Group for the use of our services or applications.

Investing in any asset class, including crypto currencies, holds numerous risks, for example: technology risks, exchange risks, security risks, regulatory risks. Before deciding to leverage Marrowen Group services, users should carefully consider their investment objectives and risk appetite. The possibility exists that users lose some or all of their initial investment and therefore no money should be invested that users cannot afford to lose.
As with any market, for a transaction to happen it requires a seller, a buyer, and a price agreement. Loss-limiting strategies such as stop-loss orders may not be effective because market conditions or technological issues may make it impossible to execute stop-loss orders. Marrowen Group is not responsible for any losses incurred as a result of using Marrowen Group’s advisory services.

Marrowen Group is fully compliant with GDPR (General Data Protection Regulation), an EU regulation enforceable as of May 25, 2018. Marrowen Group stores the minimum possible amount of user data necessary to deliver its services. Stored user data includes: name, date of birth, country of residence, email address, and exchange API keys (encrypted). User data will never be shared with any third party before explicit user consent. Users have the right for their user data to be forgotten, which can be requested over email.

The User understands and agrees to the preceding sections. The User also agrees to the following:

• User agrees to not hold Marrowen Group liable for any realized trading loss in any currency or asset;
• User reserves the right to stop using Marrowen Group at any point;
• You agrees and warrants that any information provided to Marrowen Group is accurate and complete;
• User agrees that Marrowen Group is offering a Software as a Service (SaaS). This means that Marrowen Group monitors user accounts on users’ behalf on exchanges that are not affiliated with Marrowen Group;
• User agrees to take full responsibility for identifying and paying any tax liabilities that may exist as a result of trading, or Marrowen Group services in general;
• This agreement is governed by and construed in accordance with the Dutch law and any dispute, which cannot be amicably resolved, shall be submitted to the jurisdiction of the Court in the Netherlands;
• Marrowen Group reserves the right to terminate or deny service to anyone, at any time, for any reason.