Terms and Conditions

Client Service & Trading Terms

1. Introduction and Definitions

These Client Service & Trading Terms (the “Terms”) govern the relationship between Mount Evermann Capital Management Ltd, a company incorporated in the British Virgin Islands under company number 1920247 and registered with the British Virgin Islands Financial Services Commission as an Approved Manager, trading as “FinZuro” (the “Company”, “we”, “us”, or “our”), and the person or entity accessing or using the Company's services (the “Client”).

These Terms govern the Client's access to and use of the Company's website (the “Website”), trading platform (the “Platform”), and related CFD trading services (the “Services”), to the extent that such Services are provided by or through the Company in accordance with Applicable Law and the Company's regulatory permissions and arrangements.

By registering for or maintaining a Client Account, accessing the Platform, submitting an Order, entering into a Transaction, or otherwise using the Services, the Client confirms that the Client has read, understood, and agrees to be legally bound by these Terms.

1.1 Definitions

For purposes of these Terms:

“Applicable Law” means any applicable law, statute, regulation, rule, regulatory requirement, order, sanction, or other legally binding requirement applicable to the Company, the Client, the Services, or a Transaction.

“Applicable Regulations” means Applicable Law and applicable regulatory requirements relevant to the Services.

“Business Day” means a day on which the Company is ordinarily open for business, excluding applicable weekends and public holidays.

“Client Account” means an account maintained for the Client for accessing the Services and conducting Transactions through the Platform.

“Client Funds” means funds belonging to the Client held or received in connection with the Services.

“CFD” means a Contract for Difference.

“Financial Instruments” means CFDs and other financial instruments made available for trading through the Platform.

“Force Majeure Event” means an event outside the Company's reasonable control, including natural disasters, war, terrorism, civil disorder, governmental action, sanctions, market disruption, trading suspension, telecommunications failure, internet failure, cyberattack, technology failure, payment-system failure, liquidity disruption, failure of a third-party provider, or another event materially affecting the Company's ability to provide the Services.

“Margin Level” means the Client's Equity divided by Used Margin, expressed as a percentage, calculated in accordance with the Company's applicable Platform methodology.

“Order” means an instruction submitted by the Client to enter into, modify, or close a Transaction.

“Services” means the CFD trading and related services made available by or through the Company through the Website, Platform, or other approved channels.

“Stop Out Level” means a Margin Level of 30%.

“Transaction” means a transaction entered into by the Client in a Financial Instrument through the Services.

“Written Notice” includes notice provided by email, through the Client Account, through the Platform, or by another communication method permitted by the Company.

2. Client Accounts and Eligibility

2.1. The Company may establish one or more Client Accounts for a Client. Each Client Account enables the Client to access the Services and submit Orders in Financial Instruments made available through the Platform.

2.2. Account types, eligibility requirements, minimum deposits, leverage, margin requirements, trading conditions, and other applicable features may be described on the Website, Platform, Fee Schedule, Trading Conditions, or other applicable documentation.

2.3. The Company may introduce, modify, suspend, or discontinue Client Account types in accordance with these Terms and Applicable Regulations.

2.4. A Client Account becomes active once applicable onboarding, identity verification, compliance, and other required procedures have been completed and any required initial deposit has been received and cleared.

2.5. The Company may refuse to open or maintain a Client Account where doing so would conflict with Applicable Regulations, jurisdictional restrictions, internal compliance requirements, risk-management requirements, or other legitimate interests of the Company.

2.6. The Company may request information and documentation at any time where reasonably necessary for KYC, AML, sanctions screening, fraud prevention, risk management, regulatory compliance, or other legitimate purposes.

2.7. The Client must ensure that all information provided to the Company is accurate, complete, current, and not misleading and must promptly notify the Company of any material change.

3. Restricted Jurisdictions

3.1. The Company does not provide Services to persons who are residents or citizens of the United States of America or Germany.

3.2. The Company may also restrict or refuse Services to persons located or resident in any jurisdiction where the provision of the relevant Services is prohibited, restricted, or requires an authorisation or licence that the Company does not hold.

3.3. The Company may maintain and update a list of restricted jurisdictions based on Applicable Regulations, sanctions requirements, regulatory considerations, risk assessments, and internal compliance policies.

3.4. The Company may refuse an application, restrict access, suspend an account, or terminate the Client relationship where the Client is located or becomes resident in a restricted jurisdiction.

3.5. The Client is responsible for ensuring that use of the Services is lawful in the jurisdiction in which the Client is located or resident.

3.6. The Company may use reasonable technical, operational, or compliance measures to prevent access from restricted jurisdictions.

4. Client Classification and Eligibility

4.1. Where Applicable Regulations require or permit client classification, the Company may classify Clients in accordance with applicable requirements and its applicable client-classification procedures.

4.2. The Company may request information concerning the Client's knowledge, experience, financial circumstances, investment objectives, professional status, or other information where required or reasonably necessary.

4.3. The Company may reassess a Client's classification where circumstances change or where required by Applicable Regulations.

4.4. Different Client classifications may receive different regulatory protections, leverage limits, risk disclosures, or other conditions where applicable.

4.5. A Client must provide accurate information relevant to Client classification and promptly notify the Company of material changes.

5. Deposits

5.1. Deposits may only be made using payment methods and currencies accepted by the Company.

5.2. The Company does not accept anonymous deposits or deposits from third parties except where expressly permitted by Company procedures and Applicable Regulations.

5.3. The Company may request information concerning the source and origin of funds.

5.4. The Company may delay, reject, or return a deposit where information has not been provided, payment cannot be verified, a compliance or security concern exists, or acceptance would conflict with Applicable Regulations.

5.5. Once a deposit has been received, cleared, and reconciled, the corresponding amount will ordinarily be credited within one (1) Business Day.

5.6. Processing times may vary depending on the payment method, banking system, currency, intermediary institution, payment provider, or circumstances outside the Company's reasonable control.

5.7. Third-party banking, payment-processing, intermediary, or currency-conversion charges may be deducted from the relevant transaction or Client Account where permitted.

6. Withdrawals

6.1. Subject to these Terms and Applicable Regulations, the Client may request withdrawal of funds available for withdrawal.

6.2. A withdrawal request must be submitted using an approved method and contain all information reasonably required for processing and verification.

6.3. Withdrawals will ordinarily be processed within two (2) Business Days after receipt of a valid and complete withdrawal request.

6.4. Processing may take longer where additional verification, compliance review, fraud prevention checks, payment-provider processing, or circumstances outside the Company's reasonable control require additional time.

6.5. Withdrawals will generally be returned to the payment method or account from which the relevant funds originated, or another appropriately verified account held in the Client's name.

6.6. A withdrawal may be delayed, rejected, or restricted where:

(a) the request is incomplete or cannot be verified;
(b) insufficient funds are available;
(c ) the payment destination cannot be verified;
(d) additional KYC, AML, sanctions, fraud, or compliance checks are required;
(e) the withdrawal would conflict with Applicable Regulations or Company procedures; or
(f) circumstances outside the Company's reasonable control prevent completion.

6.7. Open positions do not automatically prevent a Client from requesting a withdrawal. The amount available for withdrawal will, however, take into account account balance, Equity, unrealised profit or loss, margin requirements, open positions, fees, and other amounts properly payable.

6.8. The Company may refuse withdrawals to anonymous or third-party accounts.

6.9. The Company may conduct internal or external compliance reviews of deposits and withdrawals.

7. Client Funds

7.1. The Company maintains arrangements designed to keep Client Funds segregated from the Company's own operational funds, subject to Applicable Law and the relevant banking, custody, payment, and other arrangements applicable to the Services.

7.2. Client Funds may be held, received, transferred, reconciled, or processed through banks, custodians, payment institutions, financial institutions, or other third-party providers.

7.3. The Company may use third-party financial institutions, custodians, clearing partners, payment providers, and other service providers in connection with Client Funds and Transactions.

7.4. The Company will maintain procedures for the reconciliation and monitoring of Client Funds to the extent required by Applicable Law and its applicable arrangements.

7.5. Client Funds remain subject to the legal and contractual rights applicable to those funds, including amounts properly payable under these Terms and Applicable Law.

7.6. Segregation of Client Funds is intended to distinguish Client Funds from the Company's own operational funds but does not constitute a guarantee against every risk associated with a bank, custodian, payment institution, clearing partner, or other third-party provider.

7.7. Where required or appropriate, the Company may disclose additional information concerning Client Fund arrangements through the Website or other applicable documentation.

8. CFD Trading and Counterparty Arrangements

8.1. CFD Transactions are entered into subject to these Terms, applicable Trading Conditions, instrument specifications, and Applicable Regulations.

8.2. Unless otherwise expressly stated in the applicable contractual documentation, the Company may act as the counterparty to the Client's CFD Transactions.

8.3. The Company may manage or hedge its exposure through liquidity providers, counterparties, custodians, clearing partners, financial institutions, or other third parties.

8.4. Prices displayed through the Platform may be based upon prices received from liquidity providers, market data sources, counterparties, reference markets, or other sources used by the Company.

8.5. CFD prices may differ from prices available on an underlying exchange or market or prices displayed by other providers.

8.6. The Company applies its applicable pricing and execution arrangements when processing Client Orders.

8.7. Execution depends upon prevailing market conditions, liquidity, available pricing, system availability, and other relevant circumstances.

8.8. The Company does not guarantee execution at a particular price.

8.9. During significant volatility, market gaps, reduced liquidity, unusual market conditions, trading suspensions, or technical disruption, execution may occur at a price materially different from the price displayed when an Order was submitted.

9. Orders and Execution

9.1. Available Order types may include market Orders, limit Orders, stop Orders, Stop Loss Orders, Take Profit Orders, and other Order types made available through the Platform.

9.2. The Client is responsible for understanding the operation and characteristics of each Order type.

9.3. An Order may be accepted, rejected, executed, partially executed, cancelled, or otherwise processed in accordance with applicable Trading Conditions and market circumstances.

9.4. The Company may reject or decline to execute an Order where reasonably necessary or permitted, including where:

(a) sufficient margin is unavailable;
(b) an applicable trading limit is exceeded;
(c ) the relevant Financial Instrument is unavailable or suspended;
(d) the Order results from or appears to result from a manifest technical or pricing error;
(e) execution would breach Applicable Regulations or risk controls;
(f) market conditions prevent reasonable execution; or
(g) fraud, market abuse, unauthorised activity, or other prohibited conduct is suspected.

9.5. Slippage may occur when an Order is executed at a different price from the price displayed when the Order was submitted.

9.6. Slippage may be favourable or unfavourable to the Client depending on market conditions.

9.7. Stop Loss and Take Profit Orders do not guarantee execution at the exact requested price.

9.8. The Company may correct or adjust a Transaction affected by a manifest error in pricing, execution, or system operation where permitted by Applicable Regulations.

9.9. The Company may impose reasonable limits on the number, volume, size, frequency, or type of Orders available to a Client where necessary for risk management, liquidity, operational, regulatory, or other legitimate purposes.

10. Errors and Account Adjustments

10.1. The Company may correct an error in an account balance, Transaction, Order, price, charge, statement, or other account record where the error resulted from a technical, administrative, operational, pricing, calculation, or other genuine error.

10.2. Where reasonably practicable, the Company will notify the Client of a material correction and explain the nature of the adjustment.

10.3. Where a Transaction was entered into or processed as a result of a manifest error, the Company may cancel, amend, or otherwise adjust the affected Transaction to the extent permitted by Applicable Regulations.

10.4. Where an incorrect credit has been made to a Client Account, the Company may correct the relevant balance and recover any amount improperly credited, subject to Applicable Law.

10.5. The Company will not use this Section to remove or alter a Client's lawful rights or protections.

10.6. A Client who believes that an account, Order, or Transaction contains an error should notify the Company promptly and provide relevant information.

11. Margin, Leverage and Stop Out

11.1. The Client must maintain sufficient margin to support all open positions.

11.2. Margin Level is calculated as Equity divided by Used Margin, multiplied by 100%.

11.3. The Company monitors Client Accounts, margin, exposure, and open positions as part of its internal risk-management procedures.

11.4. The Company's Stop Out Level is 30% Margin Level.

11.5. Where the Client's Margin Level reaches or falls below 30%, the Company may automatically close one or more open positions.

11.6. Stop Out may occur without prior notice once the applicable threshold is reached.

11.7. The Company may determine the order in which positions are closed based on applicable risk-management procedures, liquidity, position size, market conditions, or other relevant factors.

11.8. During rapid market movements, gaps, or reduced liquidity, positions may be closed at prices materially different from prices displayed before liquidation.

11.9. The Company does not guarantee that liquidation will occur exactly at the 30% Margin Level or at any particular price, as Margin Level may change rapidly and execution may be affected by market conditions.

11.10. The Company may change leverage, margin requirements, position limits, and other risk controls where reasonably necessary due to market conditions, liquidity, regulatory requirements, or risk-management considerations.

12. Negative Balance Protection

12.1. The Company provides Negative Balance Protection to Clients in accordance with these Terms and Applicable Regulations.

12.2. Subject to this Section, a Client will not be required to make a payment to the Company solely because losses arising from CFD Transactions have caused the Client's account balance to become negative.

12.3. Following closure of the relevant positions and completion of reasonable account reconciliation, the Company will restore a negative balance arising solely from CFD trading losses to zero where required under this Section.

12.4. Accordingly, the Client's liability for losses arising solely from CFD trading will not exceed the funds available in the Client Account for the purpose of absorbing such losses.

12.5. Negative Balance Protection does not prevent the Company from applying properly disclosed spreads, commissions, financing charges, administrative fees, payment charges, or other contractual amounts where lawfully payable.

12.6. Negative Balance Protection does not apply to amounts arising from:

(a) fraud;
(b) deliberate or intentional misconduct;
(c ) unauthorised use of another person's account or payment method;
(d) deliberate circumvention or abuse of the Company's systems or risk controls; or
(e) another circumstance in which recovery is expressly permitted by Applicable Law.

12.7. Nothing in this Section limits any mandatory client protection that applies under Applicable Regulations.

13. Internal Risk Controls and Monitoring

13.1. The Company maintains internal risk-management controls designed to monitor Client Accounts, trading activity, margin, exposure, liquidity, market conditions, and operational risks.

13.2. The Company may monitor trading activity for risk management, fraud prevention, market-abuse prevention, compliance, security, and protection of the Company, its Clients, and counterparties.

13.3. Risk controls may include:

(a) leverage limits;
(b) margin requirements;
(c ) position-size limits;
(d) exposure limits;
(e) trading restrictions;
(f) instrument restrictions;
(g) Order limits;
(h) temporary suspension of trading; and
(i) automatic position closure.

13.4. Risk controls may differ between Financial Instruments, Client Accounts, Client classifications, market conditions, and jurisdictions.

13.5. Additional controls may be applied without prior notice where immediate action is reasonably necessary.

13.6. The Company is not required to disclose confidential risk thresholds, monitoring methodologies, internal controls, liquidity arrangements, or other information where disclosure could compromise the effectiveness or security of those controls.

14. Trading Costs and Charges

14.1. The Client may be charged spreads, commissions, financing or swap charges, payment-processing fees, account-related fees, and other disclosed charges.

14.2. Applicable costs will be disclosed through the Website, Platform, Client Account, Fee Schedule, instrument specifications, or other applicable documentation.

14.3. Overnight or financing charges may apply to positions held beyond the applicable trading day.

14.4. Applicable taxes, levies, governmental charges, or third-party financial obligations arising from the Client's trading activity remain the Client's responsibility.

14.5. Third-party payment, banking, intermediary, and currency-conversion charges may apply.

14.6. The Company may amend its fees and charges in accordance with these Terms and Applicable Regulations.

15. Currency Conversion

15.1. Where a Client deposits, withdraws, holds funds, or incurs charges in a currency different from the base currency of the Client Account, the Company may convert the relevant amount into the applicable account or transaction currency.

15.2. Currency conversion will be performed using an exchange rate determined by the Company or the relevant payment provider, bank, liquidity provider, or other financial institution involved in the transaction.

15.3. The applicable exchange rate may include or reflect a reasonable currency-conversion spread or charge where disclosed or permitted by Applicable Law.

15.4. The Client acknowledges that exchange rates may change between the time a transaction is requested and the time it is processed.

16. Interest on Client Account Balances

16.1. Unless expressly agreed otherwise in writing or required by Applicable Regulations, the Company does not pay interest to Clients on funds held in a Client Account.

16.2. Where interest is payable under Applicable Regulations or a separate written arrangement, the applicable terms will be communicated to the Client.

17. Corporate Actions and Market Events

17.1. CFDs may be affected by dividends, stock splits, mergers, acquisitions, rights issues, takeovers, delistings, suspensions, trading halts, contract expiries, rollovers, and other corporate or market events.

17.2. The Company may make reasonable adjustments to affected Transactions, including adjustments to price, contract size, position size, cash balance, margin requirements, or other applicable terms.

17.3. Where an underlying instrument becomes unavailable, suspended, delisted, expired, or otherwise materially affected, the Company may close or otherwise resolve the relevant CFD position.

17.4. The Company may apply cash adjustments or other appropriate adjustments to reflect the effect of a corporate or market event.

18. Market Disruption

18.1. The Company may suspend, restrict, modify, delay, or discontinue trading in a Financial Instrument where extraordinary market conditions or a material disruption affects the underlying market, pricing, liquidity, execution, settlement, or the Company's ability to provide the Services.

18.2. Such circumstances may include:

(a) trading halts or suspensions;
(b) closure of an underlying market;
(c ) extreme or unusual volatility;
(d) material gaps in market prices;
(e) absence or significant reduction of liquidity;
(f) failure or withdrawal of a pricing or liquidity source;
(g) restrictions imposed by a trading venue, counterparty, regulator, or other competent authority; or
(h) another event materially affecting orderly trading.

18.3. Where reasonably necessary, the Company may close, amend, suspend, or otherwise manage affected Transactions in accordance with these Terms and Applicable Regulations.

18.4. The Company will use reasonable efforts to restore normal Services when the relevant conditions cease, but does not guarantee that trading will resume at a particular time.

19. Promotional Bonuses

19.1. Where permitted by Applicable Regulations, the Company may offer promotional bonuses, credits, rebates, referral benefits, or other incentives.

19.2. Each promotion is subject to separate Bonus Terms made available to the Client.

19.3. The applicable Bonus Terms will specify eligibility requirements, limitations, expiry dates, withdrawal conditions, trading-volume requirements, and other material conditions.

19.4. Bonuses will not be offered where their provision would be prohibited or restricted by Applicable Regulations.

19.5. The Company may refuse, cancel, suspend, or withdraw a Bonus where reasonably necessary under the applicable Bonus Terms or Applicable Regulations.

19.6. Bonus programmes must not be used for fraudulent, deceptive, manipulative, or abusive purposes.

19.7. Unless expressly stated otherwise in applicable Bonus Terms, promotional credits do not constitute Client Funds deposited by the Client and are not independently withdrawable.

19.8. Where promotional profits or other benefits are subject to conditions, the applicable Bonus Terms will clearly identify the relevant conditions and consequences of early withdrawal, account closure, or failure to satisfy the applicable requirements.

19.9. Where there is an inconsistency between these Terms and specific Bonus Terms, the Bonus Terms will govern solely in relation to the relevant promotion, unless Applicable Regulations require otherwise.

20. Platform Access and Security

20.1. The Company may provide access to the Platform through web, desktop, mobile, API, or other approved channels.

20.2. The Company does not guarantee uninterrupted availability of the Website, Platform, or Services.

20.3. Access or trading may be suspended, restricted, delayed, or interrupted because of maintenance, upgrades, technical problems, telecommunications failures, cyber incidents, security measures, market disruption, liquidity conditions, or other circumstances outside the Company's reasonable control.

20.4. The Client must keep passwords and authentication credentials confidential.

20.5. The Client must immediately notify the Company of suspected unauthorised access or security incidents.

20.6. The Client is responsible for maintaining reasonable security on devices and systems used to access the Platform.

21. Unauthorised Transactions and Account Security

21.1. The Client must notify the Company promptly if the Client believes that:

(a) an Order was submitted without the Client's authorisation;
(b) a Transaction was entered into without the Client's authorisation;
(c ) account credentials have been compromised; or
(d) an unauthorised person has accessed the Client Account.

21.2. The Company may temporarily restrict the Client Account while investigating suspected unauthorised activity where reasonably necessary for security, fraud prevention, or compliance purposes.

21.3. The Client must cooperate with reasonable requests for information concerning suspected unauthorised activity.

21.4. The Company will investigate reported unauthorised Transactions in accordance with its procedures and Applicable Regulations.

21.5. Nothing in this Section limits any statutory rights or protections available to the Client.

22. Market Information and No Investment Advice

22.1. The Platform or Website may display prices, charts, news, economic calendars, research, analysis, signals, indicators, educational materials, or other information.

22.2. Such information may be provided by the Company or third parties and may be delayed, incomplete, inaccurate, or subject to change.

22.3. Market information and educational materials are provided for informational purposes only and do not constitute personal investment, legal, accounting, or tax advice.

22.4. Unless expressly agreed otherwise and permitted by Applicable Regulations, the Services are provided on an execution-only basis.

22.5. The Client makes their own trading decisions and remains responsible for determining whether a Transaction is appropriate for them.

22.6. The Company does not provide personalised recommendations concerning whether the Client should enter into, maintain, or close a particular CFD position unless the relevant service is expressly authorised and provided under Applicable Regulations.

22.7. The Client should obtain independent professional advice where appropriate.

23. Conflicts of Interest

23.1. The Company may have interests that could potentially conflict with those of a Client, including where the Company acts as counterparty to CFD Transactions or manages its exposure through third parties.

23.2. The Company maintains procedures designed to identify, prevent, manage, and disclose material conflicts of interest in accordance with Applicable Regulations applicable to the Company and the Services.

23.3. The Company may hedge or otherwise manage its exposure arising from Client Transactions through liquidity providers, counterparties, clearing partners, or other financial institutions.

23.4. The existence of hedging or counterparty arrangements does not alter the Client's contractual obligations under these Terms.

23.5. Additional information concerning the Company's conflicts-of-interest arrangements may be provided to Clients where required by Applicable Regulations.

24. Electronic Communications and Records

24.1. The Company may communicate electronically through email, the Client Account, Platform notifications, Website notices, or other approved channels.

24.2. Electronic communications may include Transaction confirmations, account statements, margin notifications, compliance requests, fee information, risk warnings, and amendments to these Terms.

24.3. Where permitted by Applicable Law, electronic communications constitute Written Notice.

24.4. The Client must maintain a valid email address and ensure that communications can be received.

24.5. The Company may maintain records of Orders, Transactions, communications, account activity, and other relevant information for periods required by Applicable Regulations.

24.6. Platform records and Company records may constitute evidence of Orders and Transactions, subject to the Client's right to challenge an apparent error or unauthorised Transaction.

25. Inactive and Dormant Accounts

25.1. Where no trading activity, deposit, or withdrawal has occurred for thirty (30) days, the Company may contact the Client to confirm whether the Client intends to continue using the Client Account.

25.2. Where permitted by Applicable Regulations and disclosed in advance, an inactivity or account-maintenance fee may apply after the applicable inactivity period.

25.3. Any applicable inactivity fee will be specified in the Company's Fee Schedule.

25.4. A Client Account remaining inactive for one (1) year or longer may be designated dormant.

25.5. Funds in a dormant Client Account remain subject to Applicable Law, outstanding obligations, and properly disclosed fees.

25.6. The Company may require identity, account, or compliance verification before releasing funds from a dormant Client Account.

26. Changes to Services and These Terms

26.1. The Company may make reasonable changes to the Services, Platform, Client Account types, trading conditions, fees, policies, and these Terms where necessary to operate and develop its business, improve the Services, manage risk, or comply with Applicable Regulations.

26.2. The Company will provide reasonable prior notice of material amendments where required by Applicable Law or reasonably practicable.

26.3. A shorter notice period or immediate change may apply where required or permitted by Applicable Regulations, a competent authority, sanctions requirements, security concerns, market conditions, or circumstances requiring immediate action.

26.4. Changes to leverage, margin requirements, trading limits, trading hours, or risk controls may take effect more quickly where reasonably necessary to manage market, liquidity, counterparty, operational, or regulatory risk.

26.5. Notice may be provided by email, through the Client Account or Platform, by publication on the Website, or through another reasonable communication method.

26.6. Where an amendment materially and adversely affects the Client and the Client does not agree to it, the Client may terminate the Agreement in accordance with these Terms, subject to settlement of outstanding obligations and Applicable Regulations.

26.7. Continued use of the Services following the effective date of an amendment may constitute acceptance of the amended Terms to the extent permitted by Applicable Law.

27. Suspension and Termination

27.1. Either the Client or the Company may terminate the Agreement by Written Notice in accordance with these Terms and Applicable Regulations.

27.2. The Company may suspend or terminate the Client relationship with immediate effect where reasonably necessary or permitted, including where:

(a) the Client materially breaches these Terms;
(b) required KYC or AML information cannot be obtained or verified;
(c ) continuing the relationship would conflict with Applicable Regulations;
(d) fraud, financial crime, sanctions, market abuse, or other prohibited conduct is reasonably suspected;
(e) the Client becomes subject to a legal or regulatory restriction;
(f) the Company is required to do so by a competent authority;
(g) the Client becomes located or resident in a restricted jurisdiction; or
(h) continued provision of the Services is no longer reasonably practicable.

27.3. Suspension or termination does not affect rights, obligations, fees, liabilities, or Transactions arising before suspension or termination.

27.4. Following termination, the Company will take reasonable steps to close or otherwise resolve outstanding positions and return funds properly due to the Client, subject to Applicable Law, compliance requirements, outstanding obligations, and Negative Balance Protection.

28. Intellectual Property

28.1. All intellectual property rights relating to the Website, Platform, software, content, tools, charts, data, and other materials supplied by the Company remain the property of the Company or its licensors.

28.2. The Client may use such materials solely for lawful use of the Services.

28.3. Unauthorised copying, redistribution, reproduction, modification, publication, transmission, or other use is prohibited except where expressly permitted by Applicable Law.

29. Personal Information and Privacy

29.1. Client information will be collected, processed, retained, and otherwise handled in accordance with the Company's Privacy Policy and Applicable Regulations.

29.2. The Company may process personal information for account administration, identity verification, KYC and AML compliance, fraud prevention, risk management, regulatory reporting, security, service provision, and other lawful purposes.

29.3. Marketing communications will be handled in accordance with Applicable Regulations and applicable consent or opt-out requirements.

29.4. The Company applies reasonable technical and organisational measures to protect Client information but cannot guarantee absolute security of electronic systems or communications.

30. Liability and Force Majeure

30.1. Nothing in these Terms excludes or limits liability, rights, or remedies that cannot lawfully be excluded or limited.

30.2. Subject to Applicable Law, the Company will not be liable for losses arising from a Force Majeure Event or circumstances outside its reasonable control.

30.3. This includes, where applicable, telecommunications failures, internet failures, payment-provider failures, trading-venue disruptions, liquidity-provider failures, market disruptions, cyber incidents, and third-party system failures.

30.4. The Company does not guarantee uninterrupted availability of the Website, Platform, or Services.

30.5. Subject to Applicable Law, the Company will not be liable for indirect or consequential losses arising from use of the Services.

30.6. The Company will not be responsible for losses resulting from the Client's failure to maintain adequate security over passwords, authentication credentials, devices, or other access information except to the extent legally attributable to the Company.

30.7. Nothing in this Section affects statutory or regulatory protections available to the Client.

31. Compensation Schemes and Investor Protection

31.1. The Client's eligibility for any statutory compensation scheme, investor protection arrangement, deposit protection arrangement, or other client-protection mechanism depends on the applicable legal and regulatory framework and the circumstances of the Client and the relevant Services.

31.2. Nothing in these Terms should be understood as confirming that a particular Client, Client Account, CFD Transaction, or amount held with the Company is protected by a compensation or investor-protection scheme unless the Company has expressly confirmed that such protection applies.

31.3. Where a compensation or investor-protection scheme applies to the Company or particular Clients, the scope of protection may be subject to eligibility requirements, monetary limits, exclusions, Client classification, the nature of the claim, and other applicable conditions.

31.4. Protection under any applicable scheme is separate from the Company's contractual obligations concerning Client Funds and does not guarantee against trading losses.

31.5. Where applicable, information regarding any relevant compensation or investor-protection arrangement, including its scope and limitations, will be made available through the Website or other appropriate documentation.

32. Complaints and Dispute Resolution

32.1. The Company is committed to handling complaints fairly, transparently, and within applicable regulatory timeframes.

32.2. Complaints should be submitted using the complaints contact details published on the Website or another approved communication channel.

32.3. The Company will acknowledge and investigate complaints in accordance with its Complaints Handling Procedure and Applicable Regulations.

32.4. The Company will provide the Client with the outcome of its review and, where applicable, information regarding further escalation or review rights.

32.5. Where a complaint cannot be resolved internally, the Client may have rights to refer the matter to a competent regulatory authority, alternative dispute-resolution body, court, or other applicable forum.

32.6. Nothing in these Terms prevents a Client from exercising statutory, regulatory, or other legal rights.

32.7. A complaint does not automatically suspend the Client's contractual obligations or trading responsibilities unless required by Applicable Regulations or agreed otherwise.

33. Governing Law and Jurisdiction

33.1. These Terms and all rights, responsibilities, obligations, and Transactions arising under or in connection with them are governed by and construed in accordance with the laws of the British Virgin Islands, except to the extent mandatory provisions of another jurisdiction apply.

33.2. Subject to mandatory rights or protections available to the Client under Applicable Law, disputes arising out of or in connection with these Terms may be submitted to the competent courts of the British Virgin Islands.

33.3. Nothing in this Section limits any mandatory right of a Client to bring proceedings before a court or other competent authority having jurisdiction under Applicable Law.

34. Contractual Documents and Order of Precedence

34.1. These Terms, together with documents expressly incorporated into them, constitute the contractual framework between the Client and the Company concerning the Services.

34.2. Documents that may form part of the contractual framework include:

(a) these Terms;
(b) the Risk Disclosure;
(c ) Order Execution Policy;
(d) Fee Schedule;
(e) Trading Conditions and Instrument Specifications;
(f) applicable Client Funds information;
(g) Privacy Policy;
(h) Complaints Handling Procedure;
(i) applicable Bonus Terms; and
(j) other documents expressly incorporated into the agreement.

34.3. In the event of an inconsistency, the following order of precedence applies unless Applicable Regulations require otherwise:

(a) mandatory Applicable Law;
(b) these Terms;
(c ) applicable Financial Instrument or Trading Conditions;
(d) applicable Fee Schedule;
(e) applicable policies and procedures; and
(f) applicable Bonus Terms solely in relation to the relevant promotional programme.

34.4. Where a specific document is required by Applicable Regulations to take precedence over another document, that requirement will prevail.

35. General Contract Provisions

35.1. If any provision is invalid, unlawful, or unenforceable, it will be severed or limited to the extent necessary and the remaining provisions will remain effective.

35.2. Failure or delay by the Company to exercise a contractual right does not constitute a waiver.

35.3. The Company may assign or transfer its rights and obligations to an affiliate, subsidiary, successor, or other third party where permitted by Applicable Law and provided the transfer does not unlawfully prejudice the Client's rights.

35.4. The Client may not assign or transfer rights or obligations without the Company's prior Written Notice or consent, except where permitted by Applicable Law.

35.5. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary relationship, or employment relationship.

35.6. A person who is not a party to these Terms has no right to enforce any provision unless Applicable Law provides otherwise.

36. Client Representations and Acknowledgements

36.1. By establishing and maintaining a Client Account, the Client represents and warrants that:

(a) the Client has the legal capacity and authority to enter into these Terms;
(b) all information provided to the Company is true, accurate, complete, and not misleading;
(c ) the Client will promptly update information where circumstances change;
(d) the Client will provide information reasonably requested for KYC, AML, sanctions, fraud prevention, risk management, or regulatory purposes;
(e) the Client will comply with Applicable Regulations applicable to the Client; and
(f) the Client will use the Services only for lawful purposes.

36.2. The Client acknowledges that:

(a) CFD trading involves substantial risk of loss;
(b) leverage can increase both gains and losses;
(c ) market conditions may change rapidly;
(d) execution prices may differ from requested prices;
(e) slippage may occur;
(f) positions may be automatically closed when applicable risk thresholds are reached;
(g) the Company's Stop Out Level is 30% Margin Level;
(h) the Company provides Negative Balance Protection in accordance with these Terms; and
(i) past performance does not indicate or guarantee future performance.

36.3. The Client acknowledges that trading decisions are made independently by the Client and that the Client is responsible for monitoring the Client Account, open positions, Margin Level, and applicable trading conditions.

36.4. The Client confirms that the Client possesses sufficient knowledge, experience, and understanding of leveraged Financial Instruments or has obtained appropriate independent advice before trading.

36.5. The Client must comply with these Terms and applicable policies and procedures made available by the Company.

37. Confirmation of Acceptance

37.1. By opening a Client Account, accessing the Platform, submitting an Order, or using the Services, the Client confirms that these Terms have been read, understood, and accepted.

37.2. The Client confirms that the Client has reviewed applicable risk disclosures and understands the risks associated with leveraged products, including CFDs.

37.3. The Client confirms that all information provided to the Company is accurate and complete.

37.4. Failure to comply with these Terms may result in restriction, suspension, or termination of the Client Account in accordance with these Terms and Applicable Regulations.

37.5. Provisions which by their nature are intended to survive termination will continue to apply following termination to the extent necessary to give effect to their intended purpose.