Protecting client funds, account information and trading access is an important part of FinZuro's approach to providing online CFD trading services.

FinZuro maintains procedures and controls designed to safeguard client funds, manage the risks associated with leveraged CFD trading, protect account access and detect potentially unauthorized or fraudulent activity.

Client protection involves several layers, including client-fund arrangements, Negative Balance Protection, margin and stop-out controls, account verification, transaction monitoring and security measures.

The protections and procedures applicable to an individual client may depend on the client's account, jurisdiction, client classification and the applicable legal and contractual framework.

Protection of Client Funds

FinZuro maintains arrangements designed to keep Client Funds separate from the Company's own operational funds, subject to applicable law and the banking, custody, payment and other arrangements used to provide the services.

Client funds are maintained separately from funds used for FinZuro's general business operations. They are not intended to be used for the Company's ordinary operating expenses or other purposes unrelated to the provision of services to clients.

Client funds may be held, received, transferred, reconciled or processed through banks, custodians, payment institutions, financial institutions and other third-party service providers. FinZuro maintains procedures for monitoring and reconciling client funds as part of its operational controls.

The separation of client funds from FinZuro's operational funds is intended to distinguish client assets from company funds and provides an important layer of protection in the management of client money.

However, segregation does not eliminate every risk associated with a bank, custodian, payment institution, clearing partner or other third-party financial institution. The availability and treatment of client funds in the event of a third-party institution's failure may depend on the applicable legal and contractual framework.

FinZuro does not represent that segregation of client funds eliminates all possible risks of loss. Clients should review the applicable contractual documentation for the specific terms governing their account and client funds.

Negative Balance Protection

FinZuro provides Negative Balance Protection in accordance with its Terms and Conditions and applicable requirements.

Negative Balance Protection is designed to prevent a client from being required to make a payment solely because losses from CFD trading have caused the client's trading account balance to become negative.

For example, if a client's available account funds are USD 1,000 and adverse market movements result in CFD trading losses that would otherwise produce a negative account balance, Negative Balance Protection is designed to prevent the client from being required to cover that trading loss beyond the applicable funds in the account, subject to the terms and exclusions that apply.

Negative Balance Protection does not mean that a client cannot lose money. A client may lose some or all of the funds deposited into a trading account.

Where a negative balance results solely from CFD trading losses and the applicable conditions are satisfied, FinZuro will restore the relevant negative balance to zero following the closure of the affected positions and account reconciliation.

Negative Balance Protection does not apply without limitation to every amount that may be owed to FinZuro. Amounts arising from fraud, deliberate misconduct, unauthorized use of another person's account or payment method, deliberate circumvention or abuse of FinZuro's systems or risk controls, or circumstances where recovery is permitted by applicable law may be treated separately.

Properly disclosed trading costs, financing charges, payment charges and other contractual amounts may continue to apply.

Margin Monitoring and Stop-Out Protection

CFDs are leveraged products, which means that relatively small movements in an underlying market can have a significant effect on the value of an open position.

FinZuro continuously monitors account equity, margin and open positions as part of its risk-management procedures.

The FinZuro Stop Out Level is 30% Margin Level.

Margin Level is calculated as:

Equity ÷ Used Margin × 100%

If the Margin Level reaches or falls below 30%, FinZuro may automatically close one or more open positions.

The stop-out mechanism is designed to help manage accounts where available equity is no longer sufficient to support the required margin and to limit the accumulation of losses.

It is important to understand that a stop-out mechanism does not guarantee a maximum loss or a particular closing price. During periods of rapid market movement, market gaps, reduced liquidity or other unusual conditions, positions may be closed at prices materially different from the prices available before liquidation.

FinZuro therefore does not guarantee that a position will be closed exactly at the 30% Margin Level or at a specific market price.

Clients remain responsible for monitoring their positions, available margin and overall trading exposure.

Trading Risk Controls

FinZuro uses account and trading controls designed to manage the risks associated with leveraged CFD trading.

Depending on the account, instrument, client classification, market conditions and applicable requirements, these controls may include:

• Margin requirements that determine the funds required to maintain open positions.
• Leverage limits applicable to particular instruments, accounts or clients.
• Margin monitoring to identify accounts approaching insufficient margin.
• Automatic position closure when the applicable stop-out conditions are reached.
• Instrument-specific trading conditions that may affect available leverage, margin or position management.
• Temporary trading restrictions where required for security, operational, market or risk-management reasons.

Risk controls can be particularly important during periods of increased volatility or reduced market liquidity, when price movements may occur rapidly and available liquidity may change.

These controls are intended to manage trading and operational risks but cannot prevent losses resulting from adverse market movements.

Clients should not rely on margin or stop-out mechanisms as a substitute for monitoring their positions and managing their own trading risk.

Account Security

Protecting access to a client's account is an important part of client protection.

FinZuro uses security measures designed to help protect account credentials, personal information and transactions. These measures include:

• Two-factor authentication (2FA) to provide an additional layer of account-access security.
• Email verification to help confirm account ownership and important account activity.
• Encryption designed to protect information transmitted between clients and FinZuro's systems.
• Fraud monitoring designed to identify unusual or potentially unauthorized activity.
• Account and transaction monitoring to help identify security concerns and suspicious activity.
• Access controls and authentication procedures designed to restrict unauthorized access.
• Additional verification procedures where unusual activity or other risk indicators are identified.

Security is a shared responsibility. Clients should use strong, unique passwords, protect their authentication credentials, avoid sharing account-access information and take appropriate precautions when accessing their account from public or shared devices.

Clients should never share their passwords, authentication codes or other security credentials with another person.

If a client suspects that their account has been compromised or that an unauthorized transaction has occurred, FinZuro should be notified promptly so that appropriate security measures can be taken.

Identity Verification and Fraud Prevention

Account verification is an important part of protecting client accounts and preventing unauthorized financial activity.

FinZuro requires clients to complete applicable identity and account verification procedures before accessing certain account functions, including withdrawals.

FinZuro may request additional information or documentation where reasonably necessary for:

• Identity verification
• Anti-money laundering checks
• Sanctions screening
• Fraud prevention
• Verification of payment methods
• Verification of withdrawal destinations
• Account-security investigations
• Risk management

Withdrawal destinations must be held in the client's own name. FinZuro does not generally process withdrawals to anonymous or third-party accounts.

These controls help protect client funds while supporting the prevention of financial crime and unauthorized transactions.

Secure Deposits and Withdrawals

FinZuro applies verification and transaction controls to deposits and withdrawals.

Deposits must be made through approved payment methods and may be subject to source-of-funds or payment verification requirements.

Before a withdrawal can be processed, the client's account must be verified and the withdrawal destination must be appropriately verified.

FinZuro may delay, restrict or reject a transaction where additional verification is required, a payment cannot be verified, fraud or security concerns exist, or processing the transaction would conflict with applicable requirements.

These procedures are designed to reduce the risk of unauthorized withdrawals and help ensure that client funds are transferred to the appropriate destination.

For more information about withdrawal methods, verification requirements and processing times, see our Withdrawals page.

Protection Against Unauthorized Transactions

Clients should notify FinZuro promptly if they believe that:

• An order was submitted without their authorization.
• A transaction was entered into without their authorization.
• Their account credentials have been compromised.
• An unauthorized person has accessed their account.

Where reasonably necessary, FinZuro may temporarily restrict an account while investigating suspected unauthorized activity.

FinZuro will investigate reported unauthorized transactions in accordance with its applicable procedures and requirements.

Clients should regularly review their account activity and contact FinZuro if they identify any transaction or account activity they do not recognize.

Investor Compensation and Statutory Protection

Client-fund protection and investor compensation are related but not the same type of protection.

Client-fund arrangements are designed to keep client money separate from a firm's own operational funds and to establish how client assets are handled during the normal operation of the business.

Investor compensation schemes, where applicable, are statutory mechanisms that may provide compensation to eligible clients if a covered financial services firm becomes unable to meet certain obligations and a qualifying shortfall remains.

When Can Investor Compensation Apply?

Investor compensation generally becomes relevant in circumstances such as the insolvency or failure of a covered financial services firm.

It is not intended to compensate clients for ordinary trading losses, losing CFD positions, unsuccessful investment decisions or adverse market movements.

Whether a client is eligible for compensation depends on factors such as:

• The legal entity providing the financial service
• The client's country or jurisdiction
• The client's classification
• The financial product and service involved
• The nature of the claim
• Whether the relevant compensation scheme covers the particular activity
• The eligibility requirements and exclusions established by the applicable scheme

Compensation is therefore not automatically available to every client or for every type of loss.

Compensation Limits and Eligibility

Where an investor compensation scheme applies, the applicable legislation or scheme rules determine:

• Which clients are eligible
• Which products and services are covered
• What circumstances can give rise to a claim
• The maximum amount of compensation available
• Any exclusions or conditions
• The procedure and deadline for submitting a claim

Different jurisdictions can have substantially different compensation arrangements. A protection level that applies to clients of one financial-services entity may not apply to clients of another entity operating in a different jurisdiction.

FinZuro therefore does not represent that a single compensation scheme, protection level or fixed compensation amount applies to all FinZuro clients.

The availability of any statutory investor compensation or similar protection depends on the applicable entity, jurisdiction and eligibility requirements. Clients should refer to the contractual and legal documentation applicable to their account for information about any protections that may apply to them.

Investor Compensation Is Not Trading Protection

Investor compensation should not be confused with protection against trading losses.

For example, an investor compensation scheme would not normally compensate a client because:

• A CFD position moved against them.
• The client lost money because of market volatility.
• A leveraged position was closed through the stop-out process.
• The client made an unsuccessful trading decision.
• The value of an underlying asset declined.

These are normal investment and trading risks.

Investor compensation, where applicable, addresses a different risk: the possibility that a covered financial services firm becomes unable to meet certain obligations and an eligible client suffers a qualifying loss that falls within the scope of the relevant scheme.

How This Differs From FinZuro's Other Client Protections

FinZuro's client-protection framework includes several different safeguards, each addressing a different type of risk.

Client-fund arrangements are designed to keep client funds separate from FinZuro's operational funds.

Negative Balance Protection is designed to prevent eligible clients from being required to cover CFD trading losses beyond the applicable funds in their account, subject to the applicable terms and exclusions.

Margin monitoring and the 30% stop-out level are designed to manage the risks associated with insufficient margin on leveraged positions.

Account-security and fraud-monitoring measures are designed to reduce the risk of unauthorized access and transactions.

An investor compensation scheme, where applicable, would provide a separate statutory layer of protection and would operate according to its own legal requirements.

No individual protection should be interpreted as eliminating all financial or trading risk.

What Clients Should Check

Because statutory investor protection can depend on the entity, jurisdiction and nature of the service provided, clients should review the legal and contractual information applicable to their account.

Before relying on a particular compensation protection, clients should establish:

1. Which entity provides the relevant service.
2. Which jurisdiction governs the client relationship.
3. Whether the client qualifies for the relevant statutory scheme.
4. Which products and activities are covered.
5. What events can trigger compensation.
6. What exclusions and limits apply.
7. How a compensation claim would be submitted if the scheme were ever required.

FinZuro does not present statutory compensation as a substitute for understanding the risks of leveraged CFD trading or for reviewing the terms applicable to a client's account.

Understanding the Limits of Client Protection

Client protection measures are designed to reduce specific risks; they do not eliminate the risks of CFD trading. In particular:

• Segregation of client funds does not eliminate risks associated with banks, custodians, payment institutions or other third parties.
• Negative Balance Protection does not prevent losses of deposited funds.
• Stop-out controls do not guarantee that positions will close at a particular price.
• Account-security measures cannot eliminate every risk of unauthorized access.
• Verification and fraud-monitoring procedures cannot guarantee that every fraudulent transaction will be prevented.
• Investor compensation, where applicable, depends on the relevant legal framework and eligibility requirements.

Clients should understand how leveraged CFD trading works and consider whether they can afford the risks involved before opening or maintaining positions.

Client Protection and Transparency

FinZuro's approach to client protection combines operational controls, account-security measures, risk-management procedures and information designed to help clients understand the risks and conditions associated with CFD trading.

The specific protections applicable to a client are determined by the client's account, jurisdiction, classification and the applicable contractual and legal framework.

For information about the costs associated with trading and maintaining an account, see our Fees & Costs page.

For information about available account options, see our Account Types page.

If you have questions about account security, verification or client protection, you can Contact Us for assistance.

Important Information

The information on this page is provided for general information and describes FinZuro's principal client-protection measures and procedures.

The applicable Terms and Conditions, account documentation and other contractual or legal documents govern the relationship between FinZuro and its clients. Where there is any inconsistency between this page and applicable contractual or legal documentation, the applicable contractual or legal documentation will prevail.

CFDs are leveraged products and involve a high level of risk. Client protection measures do not remove the possibility of losing money when trading CFDs. Clients should ensure that they understand the risks involved before trading and seek independent professional advice where appropriate.