PAYOUTS & WITHDRAWALS POLICY

Smart Scalping Life (scalping.life) Last updated: 1 May 2026 Effective from: 1 May 2026

Preamble

This Payouts Policy (the "Policy", the "Payouts Policy") describes the rules and procedure for the payment of Performance Rewards (Payouts) to participants who have successfully completed a Prop Challenge and are on the Funded Stage, and to Custom Pool participants.

This document forms an integral part of the Terms of Use and the Prop Challenge Agreement.

1. Nature of a Payout

1.1. The Performance Reward is not trading profit

Express disclosure: all payments made by the Operator to participants on the Funded Stage or in a Pool are discretionary reward payments for completing a simulated assessment and maintaining performance metrics in the Simulated Environment.

They do not constitute:

(a) the distribution of real trading profit; (b) income from an investment; (c) dividends, interest or coupons; (d) a share in real capital; (e) payment under a security or other financial instrument.

1.2. Legal status

A Performance Reward is calculated by reference to simulated-trading metrics, in accordance with the formulas set out in this Policy. The crediting of a Reward:

• is based on the contract between the Operator and the participant (Prop Challenge Agreement);
• constitutes a reward for completion of the assessment programme;
• is governed by the law chosen in Terms of Use §18.

1.3. Tax responsibility

The taxation of the Performance Reward is the participant's sole responsibility. The Operator:

• does not withhold tax at the time of payment (save where required by mandatory law);
• does not provide tax reporting on behalf of the participant, save in cases expressly required by law;
• does not advise on the tax consequences of receiving a Payout — these matters are to be addressed with the participant's own tax adviser in the relevant jurisdiction.

In some jurisdictions (India, certain EU countries, others) withholding at source (TDS, withholding tax) may apply. In such cases the Operator will inform the participant of the application of the withholding.

2. Conditions for crediting a Payout

2.1. Basic conditions

A Payout request may be submitted where, taken together:

(a) the participant has successfully completed the Challenge and the Funded Stage is active (or a corresponding status applies in a Pool); (b) the minimum number of trading days since the previous Payout (where set in the Programme parameters) has been completed; (c) the calculated profit for the period exceeds the minimum Payout threshold set out in the Programme parameters; (d) there are no active unresolved warnings; (e) KYC has been completed where the relevant regulatory thresholds have been reached (see the KYC/AML Policy); (f) a valid crypto-wallet address under the participant's control has been provided; (g) there are no indicia of breach of the Prohibited Trading Practices for the period under calculation.

2.2. Base share (Profit Split)

The participant's share of the calculated simulated profit (Payout Split):

• is set out in the parameters of the relevant Programme at the time of the participant's registration;
• may be increased following a number of successful Payouts, in the manner and on the conditions set out in the Programme parameters;
• may be adjusted through optional add-ons available at checkout.

The specific percentage values and the rules under which the share may be increased are individual to each Programme and are shown in the user dashboard.

2.3. Profit Consistency Rule (where applicable)

Depending on the Programme, a profit-consistency rule may apply:

• no single trading day shall account for more than the prescribed share of the participant's overall profit during the period under calculation;
• excess profit beyond the threshold is excluded from the calculation of the Payout;
• the rule operates as a safeguard against single fortunate days in the absence of consistent results.

The exact thresholds, the calculation periods and the applicability of the rule on the Funded Stage are set out in the parameters of the relevant Programme.

2.4. Withholdings and adjustments

Withholdings may apply against a calculated Payout in respect of:

(a) withholding tax at source where applicable under the law of the participant's jurisdiction; (b) adjustments for identified breaches of rules (Profit Consistency, partial breaches of the Stop-Loss requirement); (c) network fees on smaller amounts (see Section 5.4); (d) adjustments where simulation errors have affected the calculated profit.

3. Procedure for submitting a Payout request

3.1. Through the user dashboard

(a) navigate to Dashboard → Payouts; (b) confirm that the conditions in Section 2.1 are satisfied; (c) provide the crypto-wallet address (USDT/USDC, BEP-20 or ERC-20); (d) confirm the request (signed message from the wallet — to confirm ownership, where applicable); (e) await confirmation by email and in the dashboard.

3.2. Processing times

3.2.1. Goodwill compensation for missed standard processing time

Where the review of a Payout request that is not in the EDD category takes more than ten (10) business days for reasons not attributable to the participant (including, without limitation, internal queue delays, technical failures on the Platform's side, unjustifiable delays in internal checks), the Operator:

(a) credits the participant with goodwill compensation in the amount of 50 USDT in addition to the approved Payout amount; (b) the goodwill compensation is credited automatically and does not require a separate request from the participant; (c) the goodwill compensation does not apply where the delay is caused by: - documents that have been requested from, but not provided by, the participant (KYC/AML/SoF/SoW); - objective force-majeure events (failures of payment-service providers, block-chain congestion, acts of regulatory authorities); - the transfer of the request into the EDD category on lawful grounds; - temporary suspension for review where there are documented indicia of breach;

(d) the goodwill compensation is not an admission by the Operator of unlawful delay and does not limit other remedies available to the participant under applicable law or the Complaints Procedure.

3.3. Wallet address requirements

(a) The address must be under the participant's control. On request from compliance, verification by signed message may be required; (b) the supported networks are BEP-20 (Binance Smart Chain) and ERC-20 (Ethereum); (c) the address must not be on a sanctions list and must not exhibit indicia of high risk (mixers, darknet, sanctioned addresses); (d) the use of deposit addresses of centralised exchanges (CEX deposit addresses) is permitted; (e) the use of addresses associated with mixers, peel chains or privacy services is prohibited (see the KYC/AML Policy §5.2).

3.4. Approval and payment

After approval of the request:

(a) funds are sent automatically within 48 hours to the address provided; (b) the transaction hash is shown in the dashboard and in the email notification; (c) on-chain confirmations (gas fees, network congestion) may affect actual delivery time.

4. Refusal or withholding of a Payout

4.1. Grounds for refusal or withholding

In accordance with Terms of Use §7.5 and Prop Challenge Agreement §6.5, the Operator reserves the right to refuse or withhold a Payout in whole or in part in the following cases:

(a) detection of prohibited strategies (Prohibited Trading Practices); (b) reasonable suspicion of manipulation of the Simulated Environment; (c) detection of material anomalies by the automated compliance systems; (d) detection of indicia of multi-account participation or collusion; (e) KYC/AML breaches or inability to complete identification; (f) technical failures or simulation errors that have affected the calculated result; (g) legal obligations — court orders, sanctions, freezing orders; (h) the participant falling within the sanctions lists between the Challenge and the Payout; (i) the request being submitted from an address with indicia of high risk; (j) a chargeback in respect of any previous payment to the Platform — in such cases, the withholding shall be proportionate to the disputed amount (the chargeback amount, plus reasonable administrative costs of processing it, capped at USD 150) rather than to the full amount of the Payout.

4.2. The Operator's discretion

Decisions to withhold a Payout are subject to internal review with human involvement before final application and may be appealed through the Complaints Procedure.

4.3. Available remedies for the participant

In accordance with Terms of Use §7.5 and Prop Challenge Agreement §6.5, where a Payout is withheld on the grounds set out in Section 4.1, the following remedies are available to the participant:

(a) refund of the Entry Fee paid — as a minimum guaranteed remedy; (b) payment of the originally calculated Payout — where internal review or external dispute resolution confirms that there were no grounds for withholding; (c) mandatory consumer rights and other rights conferred by applicable law are preserved in full and are not limited by this provision.

Decisions are subject to human review and may be appealed through the Complaints Procedure or resolved in the manner provided in Terms of Use §18.

4.4. Notification

Where a Payout is refused or withheld, the participant is notified:

(a) by email at the address associated with the Account; (b) through a notification in the user dashboard; (c) with a statement of the general category of the cause, without disclosing specific algorithms, thresholds and other internal details of the compliance systems — in order to protect the integrity of the Platform and to prevent the circumvention of the rules.

Further generalised explanations may be provided through the Complaints Procedure, again without the disclosure of internal technical information.

5. Technical aspects of payments

5.1. Payment currencies

• USDT (Tether) — BEP-20, ERC-20 networks;
• USDC (USD Coin) — BEP-20, ERC-20 networks;
• other stable-coins — by separate agreement.

5.2. No fiat payouts

Payouts in fiat currency (USD, EUR, GBP and the like) are not made. The participant is responsible for converting the stable-coins received into fiat through his or her own services.

5.3. No Operator commission on payouts

The Operator does not charge any additional commission for processing a payout beyond the prescribed Profit Split.

5.4. Block-chain network fees

(a) For payouts at or above the prescribed threshold (set out in the Programme parameters and shown at the time the request is submitted), network fees are paid in full by the Operator; (b) for smaller amounts, the Operator may withhold the network fee from the payout amount, with notice at the time of the request; (c) sharp spikes in Ethereum gas fees may lead to a temporary suspension of ERC-20 payouts and the use of a lower-fee network (with notice to the participant).

5.5. Wrong address or network

Provision of an incorrect address or network is the participant's sole responsibility:

(a) funds sent to a wrong address are not recoverable; (b) funds sent on an unsupported network (e.g. USDT TRC-20 instead of BEP-20) may be lost; (c) the Operator does not compensate such losses.

The participant is required to verify carefully the address and network before confirming the request.

6. Frequency and limits of Payouts

6.1. Minimum amount

The minimum amount for submitting a Payout request is set out in the parameters of the relevant Programme and shown in the user dashboard.

6.2. Maximum frequency

(a) Standard mode — a prescribed minimum interval between requests; (b) enhanced mode (after a series of successful Payouts, or with optional add-ons) — a shortened interval; (c) the precise values of the intervals are set out in the Programme parameters.

6.3. Maximum amount

(a) There is no standard maximum cap on Payouts for KYC-verified participants; (b) for larger amounts above the relevant regulatory thresholds, EDD (Enhanced Due Diligence) applies, with enhanced source-of-funds checks; (c) very large single payouts may be split into several tranches over a reasonable period (with notice and agreement).

6.4. Promotional terms

From time to time, the Operator may offer promotional terms:

• accelerated review times (e.g. 5 business days);
• enhanced Profit Split for a limited period;
• bonus accruals on reaching milestones.

Such promotions are announced separately, with the period of validity specified.

7. Published results

7.1. Leaderboard

The Platform may publish leaderboards featuring top performers (anonymously or by nickname):

• overall profit for the period;
• win-rate;
• other performance metrics;
• Funded / Phase 2 status.

7.2. Consent to publication

By registering for a Challenge, you agree:

(a) to the publication of anonymised metrics and your nickname (without disclosing personal data) on leaderboards; (b) to the use of summary results in marketing materials (with the nickname); (c) to the right to opt out of the publication of the nickname on request to legal@scalping.life.

7.3. Detailed disclosure

Detailed disclosure of trade-level data, formulas or personal-Account metrics in public materials is made only with the participant's express written consent or pursuant to mandatory legal disclosure requirements.

8. Final provisions on payouts

8.1. Amendments to this Policy

8.1.1. The Operator may update this Policy in connection with changes in the conditions of exchanges, in legislation, or in the business model.

8.1.2. Amendments disadvantaging participants on an active Funded Stage:

• shall not apply retroactively to accumulated but as-yet unpaid Payouts;
• shall apply to calculations made after the entry into force of the amendment;
• shall be communicated to participants no less than fourteen (14) days before entry into force.

8.1.3. Amendments improving the conditions may take effect immediately.

8.2. Termination of the Funded Stage for an individual participant

Where the Operator terminates the Funded Programme for a particular participant on grounds unrelated to breach:

• all accumulated calculated Payouts shall be paid on request in the standard manner;
• a notice period of no less than thirty (30) calendar days before the termination shall be given;
• the participant may submit a final Payout request before the expiry of the notice.

8.3. Termination of the Platform

8.3.1. Payment discipline. The Operator endeavours to maintain its payment capacity in respect of Payout obligations and applies reasonable operational measures to manage the associated risks. The internal financial mechanisms used are commercial trade secrets of the Operator and are not disclosed publicly.

8.3.2. Notice and transition period. Where the activity of the Platform is terminated for any reason not attributable to force majeure or to mandatory requirements of applicable law, the Operator undertakes to:

(a) notify participants no less than thirty (30) calendar days before the termination, by email and by notification in the user dashboard; (b) allow a ninety (90)-day transition period for the submission of final Payout requests; (c) prioritise the processing of final requests for Payouts that have already been approved or are accumulated, from the funds available to the Operator; (d) publish a clear and transparent final-settlement procedure at the time of notification; (e) where the funds available are insufficient to cover all obligations in full — distribute pro rata between all affected participants, without prioritising later requests over earlier ones.

8.3.3. The above obligations do not relieve the Operator of other obligations under applicable law, including obligations to consumers and creditors under the applicable insolvency procedures.

8.3.4. Acceptance by a participant of the risk of termination of activity does not relieve the Operator of the obligations described in Sections 8.3.2–8.3.3.

9. Governing law

This Policy is governed by the laws of England and Wales. Disputes shall be resolved in the manner provided in Terms of Use §18 and the Complaints Procedure.

10. Contact

• Email (payout matters): support@scalping.life (subject: "Payout")
• Email (compliance / KYC): legal@scalping.life
• Email (legal disputes): legal@scalping.life
• Telegram: @artio_ssl

© Smart Scalping Life / ARTIO SSL. All rights reserved.