FXBROKERID does not offer binary options trading.

When trading foreign currency and investing in the futures market (including margin contracts (CFD)) and performing operations in the Forex market, as with any financial assets, there is a risk of partial or complete loss of your investment funds. Therefore, it is strongly recommended to refrain from investing and trading with funds that you cannot afford to lose in the event of an unfavorable outcome of such trades.

In foreign currency trading and performing operations in the Forex market, the risks of loss are very real. Please ensure that you have carefully reviewed our terms and conditions before starting to invest in digital options and the Forex market.

By accepting the terms of the Agreement, you confirm that you are aware of the risks inherent in CFD and Forex market activities, including partial and/or complete loss of invested funds. FXBROKERID (hereinafter referred to as the "Company") believes that when you start trading on the Forex or CFD market, you are investing only the amounts that you can afford. Before starting operations, we ask you to thoroughly review the Client Agreement, the Privacy Policy, and all appendices to them.

The Company warns that this notice does not and cannot disclose all possible risks and other important aspects related to foreign currency trading and Forex market operations. This document only briefly explains the nature of the risks involved when working with CFDs and performing operations in the Forex market.

Please note that the exchange rates on the Website are similar to those set by the Company for selling CFDs to clients. However, the Company is not responsible for any discrepancies between these rates and real-time market rates for option sales.

The Company reserves the right to close trades early if it is unable to update quotes within 30 seconds. In this case, the Client is automatically notified of the trade cancellation by email, and the invested funds are returned to the Client's Account.

By accepting the terms of the Agreement, you take full responsibility for your interactions with the Company within the legal framework, including compliance with the laws and other legal acts of your country of residence. Before accepting the terms of the Agreement, we ask you to check the possibility of tax deductions on profits from such operations in your country.

The Company does not bear any financial responsibility for the results of trades made by the Client. The Company also does not bear responsibility for losses related to the copy trading service of other users.

Each client is entitled to open only one trading account on the platform. Profits earned from accounts opened under a fictitious name, or from multiple accounts opened by the same individual, will be canceled and inaccessible for withdrawal. If a client opens multiple trading accounts, profits will be canceled for all accounts, and access to all accounts will be closed for further investigation. By agreement with the Company, it is possible to restore access to one of the accounts and transfer funds from the remaining blocked accounts if there are no illegal actions by the client in obtaining profits from using multiple accounts.

In the event of financial harm caused to the Company by unlawful actions, the Company has the right to withhold amounts from the Client's account equal to the costs (court, operational, etc.) caused by the Client's wrongful actions, including costs associated with challenging payments received from the Client with the involvement of third parties.

The Company assumes that you are familiar with the business model of the activities conducted, the result of which is entirely dependent on the choice of a specific direction of asset price movement from the initial execution price to the specified expiration date.

Before making a trade, you are provided with complete information about the trade: the name of the asset, the execution price, the selected direction of price change, and the investment amount determined by the trader for the specific trade.

Any "Signals", "Trading Ideas", "Hints", "Coaching", and other recommendations are for informational purposes. You always make decisions independently, where the Company is not your advisor or fiduciary.

The recommendations we provide do not constitute a direct offer to buy/sell or an invitation to make offers in CFD trading, Forex market operations. Every decision you make with us is your own. We do not act as your advisor or fiduciary. You agree that we have no fiduciary obligations to you and are not liable for any claims, losses, costs, and expenses, including court fees, that you may incur by following the Company's trading recommendations or any actions or inactions caused by our recommendations or information provided by us.

The recommendations are based on personal judgment and do not constitute a guarantee.

Our market recommendations are based solely on the opinions of our staff. They may or may not align with the market positions or intentions of the Company, its affiliates, and employees. We provide our recommendations based on information considered reliable, but we do not guarantee their accuracy and completeness and do not assert that following these recommendations can reduce or eliminate the risk inherent in foreign currency trading and investing in the futures market (e.g., margin contracts (CFD)) and the Forex market.

Visitors to our Website must first ensure that their interaction with the Company is strictly within the legal framework of the laws of their country of residence and any restrictions imposed in that country. Clients must also be aware of their tax obligations on capital gains in their country.

To the fullest extent permitted, the Company disclaims all warranties of any kind, whether express or implied, relating to the Website, the platform, the content of the Website, and the services, including without limitation, ownership rights, market demand, fitness for a particular purpose, and non-infringement of rights during operations or execution.

The Company disclaims any direct (direct guarantee) or indirect (indirect guarantee) warranties regarding:

a) the security, accuracy, reliability, timeliness, and functionality of the Website, its content, platform, and services;

b) the uninterrupted operation of the Website, platform, and service, the absence of errors, or that any errors will be corrected;

c) the performance, accuracy, quality, duration, completeness, and usefulness of any information provided on the Website, platform, and services.

1. Introduction

1.1. FXBROKERID (hereinafter referred to as "the Company"), which is registered at Hardstrasse 201, 8005 Zürich, Switzerland, provides access to this website and other related services (hereinafter referred to as "Services") under the terms of this public offer (hereinafter referred to as "Agreement") to any individual or legal entity (except for stateless individuals; persons under the age of 18; as well as citizens and legal entities from countries where the Company does not provide the specified services) (hereinafter referred to as "Client").

1.2. The following regulatory documents are an integral part of this Agreement:

a) Risk Disclosure Statement;

b) Non-trading operations regulations;

c) Privacy Policy;

d) Refund Policy;

e) AML and KYC Policy;

f) all other applicable documents posted on the Company's Website and related materials.

1.3. This Agreement and all the above-mentioned regulatory documents will be collectively referred to as the "Business Terms".

1.4. The Business Terms must be carefully read by the Client, as they determine all the conditions under which the Client conducts trading and non-trading operations. By using this Website and accepting the terms of this Agreement, the Client agrees to the Business Terms listed above.

1.5. The unconditional acceptance (agreement) of the terms of this Agreement and all its integral parts is the making of an advance payment by the Client in accordance with this Agreement.

1.6. From the moment of making the advance payment by the Client, each operation performed by the Client in the Personal Account or on the relevant trading platform(s) becomes subject to the Business Terms.

1.7. In relation to any operation in the Personal Account or on the relevant trading platform, the Client and the Company act as principals, and the Company does not act as an agent on behalf of the Client. This means that the Client bears full and direct responsibility for fulfilling any of their obligations for transactions made in the Personal Account or on the relevant trading platform. If the Client is acting on behalf of someone else, whether identified or not, the Company does not recognize that person as a Client and bears no responsibility toward them, except when specifically agreed and stated otherwise.

1.8. Terms and Definitions.

The following terms and definitions are used in this Agreement and other Regulatory Documents:

1.8.1. "Payment" — the deposit of funds through a payment made by the Client to the Company to cover future expenses.

1.8.2. "Base Currency" — the first currency in a currency pair quotation that the Client can buy or sell against the quote currency.

1.8.3. "Balance" — the total financial result of all completed transactions and deposit/withdrawal operations from the trading account.

1.8.4. "Bank Card" — a plastic identification tool that allows the cardholder to perform payment transactions for goods, services, and to withdraw cash.

1.8.5. "Currency Pair" — a trading instrument based on the change in value of one currency relative to another currency.

1.8.6. "Website" — the Company's website located at http://fxbrokerid.com or any other website recognized by the Company as official, which it may periodically maintain for Client access.

1.8.7. "Client's External Account" — the Client's bank and/or digital account.

1.8.8. "Long Position" — the purchase of an instrument in anticipation of a price increase. In the case of currency pairs — buying the base currency for the quote currency.

1.8.9. "Identification Data" — for individuals: passport details indicated in the Client registration form; for legal entities: details of registration and incorporation documents.

1.8.10. "Instrument" — a currency pair, cryptocurrency pair, spot metals, contracts for difference, and other financial assets.

1.8.11. "Client's Account" — any account opened by the Client with the Company.

1.8.12. "Short Position" — the sale of an instrument in anticipation of a price decrease. In the case of currency pairs — selling the base currency for the quote currency.

1.8.13. "Exchange Rate" — the cost of one unit of the base currency expressed in the quote currency.

1.8.14. "Personal Account" — the Client's account on the Website provided by the Company based on the Client Agreement, which is the Client's individual space on the Website, access to which is protected and opened after entering a unique username and password.

1.8.15. "Margin Trading" — performing trading operations using leverage, where the Client has the ability to make transactions with amounts significantly exceeding the funds in their trading account.

1.8.16. "Inactive Trading Account" — a trading account in which no positions have been opened, no pending orders have been placed, and no non-trading operations have been made for three consecutive calendar months.

1.8.17. "Client's Operations" — instructions and requests made by the Client to the Company regarding their trading and non-trading operations in the Personal Account and trading platforms.

1.8.18. "Open Position" — the result of the first part of a completed transaction. As a result of opening a position, the Client incurs obligations:

a) to make an opposite transaction of the same volume;

b) to maintain funds at or above the required margin level (this level may change depending on the type of account; the latest information can be found on the Company's Website)

1.8.19. "Written Notification" — an electronic document (including email, internal mail in the client terminal, etc.), announcement in the "News" section on the Website. A written notification is considered received by the Client:

1. a) one hour after sending to the Client's email address;

b) one hour after the announcement is posted on the Website.

1.8.20. "Instruction" — the Client's instruction to the Company to open/close a position, place, remove or modify a pending order.

1.8.21. "Withdrawal Instruction" — an instruction transmitted via the Client's Personal Account on the Website, aimed at debiting funds from the Client's account and transferring them to the Client's external account.

1.8.22. "Server" — all software and technical equipment used to process Client instructions, execute Client orders, and provide real-time trading information (the content of the information is determined by the Company), considering the mutual obligations between the Client and the Company according to the relevant Regulatory document.

1.8.23. "Spread" — the difference between the Ask and Bid quotes expressed in pips.

1.8.24. "Trading Platform" — all software and technical means that provide real-time quotes, allow placing/modifying/executing orders, and calculating all mutual obligations between the Client and the Company. For the purposes of this Regulation, a trading platform consists of a server and client terminal.

1.8.25. "Authorized Person of the Client":

a) an individual over 18 years of age, a citizen and/or tax resident of any country, except for countries where the Company does not provide the specified service, authorized on behalf of the Client to make or receive a non-cash (bank and/or digital) transfer for the purpose of crediting a payment to the Client's account or debiting funds from the Client's account;

b) a legal entity or any other organizational form created under the legislation of any country, except for countries where the Company does not provide the specified service, authorized on behalf of the Client to make or receive a non-cash (bank and/or digital) transfer for the purpose of crediting a payment to the Client's account.

1.8.26. "Emergency Situation" — non-compliance of the Company's conditions with those of the counterparty, the current market situation, the capabilities of the Company's software or hardware, or other situations that cannot be foreseen.

2. Services

2.1. If the Client fulfills all obligations under this Agreement and other Company Rules, the Company will provide the Client with the ability to perform transactions as provided by the functionalities of the Personal Account and the Business Conduct Terms.

2.2. The Company provides the Client with a technological platform, and in relation to the Client's transactions, the Company only performs execution without providing discretionary management or any recommendations. The Company may execute the Client's order or request, even if such a transaction may be disadvantageous to the Client. The Company is not obliged, except in cases specified in this Agreement and the Business Conduct Terms, to track and notify the Client about the status of their trading operation; send requests for additional margin; or forcibly close any open positions of the Client. Unless otherwise specifically agreed, the Company is not obliged to attempt to execute the Client's order at more favorable quotes than those offered to the Client via the trading platform.

2.3. The Client does not have the right to demand investment/trading recommendations from the Company, nor any other information that could motivate the Client to perform trading operations.

2.4. The Client acknowledges that the Company may, at its discretion, provide information, recommendations, and advice to the Client, but in this case, the Company will not be liable for the consequences or profitability of such recommendations and advice for the Client.

The Client acknowledges that, in the absence of fraud, willful non-performance of obligations, or gross negligence, the Company is not liable for any losses, expenses, costs, and damages incurred by the Client as a result of inaccuracies in the information provided to the Client, including, but not limited to, information about the Client's trading operations. While the Company retains the right to cancel or close any position of the Client under certain conditions described in this Agreement or the Business Conduct Terms, all transactions performed by the Client due to such inaccurate information or errors remain valid and must be executed by both the Client and the Company.

2.5. The Company is not required to physically deliver currency when executing any trading operation. Profits or losses from trading operations are credited/debited to the Client's trading account immediately after the position is closed.

2.6. The Company, its partners, or any other affiliated entities may have material interests, relationships, or agreements related to any transaction in the Personal Account or trading platform; or material interests, relationships, or agreements that conflict with the Client's interests. For example, the Company may:

1. a) act as a principal in relation to any instrument and on its own account by buying or selling the instrument to the Client;

b) offer another Client of the Company as a counterparty in a trading operation;

c) buy or sell an instrument that the Company offers to the Client;

d) provide consulting and other services to its partners or other Clients of the Company regarding instruments or underlying assets in which they are interested, even if it conflicts with the interests of the Client.

The Client agrees and grants the Company the authority to act on behalf of the Client and for the Client in any manner the Company deems appropriate, regardless of any potential conflict of interest or material interest in any transaction in the Personal Account or trading platform, without prior notification to the Client. The existence of a conflict of interest or material benefit regarding any transaction in the Personal Account or trading platform should not influence the servicing of the Client by the Company's staff.

2.7. From time to time, the Company may act on behalf of the Client with entities with which the Company or any other of its affiliated parties have an agreement to receive goods or services. The Company guarantees that such agreements are made, whenever possible, in the best interest of the Client, for example, such agreements may allow access to information or other services that would otherwise be unavailable.

2.8. The Company strives to provide advanced services to Clients, and the Client, in turn, undertakes to use the Services fairly and honestly. The Company has a policy of detecting and identifying fraud or other manipulations, including but not limited to latent arbitrage strategies, dishonest scalping, and other similar operations. The Company reserves the right to unilaterally suspend the Client's account and recalculate all open and closed positions to reflect market conditions. In this case, the Company reserves the right to deposit/withdraw funds from the Client's account.

3. Client Requests and Orders

3.1. The Company processes the Client's requests and orders in accordance with the relevant Business Conduct Terms.

3.2. The Company has the right to reject the Client's request or order if any requirement of the Business Conduct Terms has not been fulfilled at the time the request or order is processed by the Company. However, the Company, at its discretion, may accept and execute such a request or order despite non-compliance with the Business Conduct Terms.

If the Company executes the Client's request or order and later discovers that a provision of the Business Conduct Terms has been violated, the Company has the right to act in accordance with the relevant document of the Business Conduct Terms.

4. Netting

4.1. When conducting transactions between the Client and the Company, conversion is carried out at current rates established in accordance with the Business Conduct Terms.

4.2. If the total debt amount of the Client to the Company under the Business Conduct Terms equals the total debt amount of the Company to the Client, mutual settlement of these obligations will occur.

4.3 If the amount owed by one party under the Business Conduct Terms exceeds the amount owed by the other party, the party with the greater owed amount will pay the excess to the other party, and after that, all payment obligations will be automatically satisfied and processed.

4.4. The Client is obligated to pay all amounts due, including commissions and other expenses established by the Company.

4.5. The Client may not assign their rights, impose their obligations, or perform any other act of transferring rights or obligations under the Business Conduct Terms without prior written notification to the Company. If this condition is violated, any such assignment, imposition, or transfer will be considered invalid.

5. Payments

5.1. The Client may transfer funds to the Client's account at any time.

5.2. Operations for crediting funds to the account and debiting funds from the Client's account are regulated by the Business Conduct Terms for non-trading operations.

5.3. If the Client owes the Company an amount exceeding the balance in their account, such an amount must be paid within 2 (two) business days from the moment the Client's obligation arises.

5.4. The Client agrees and acknowledges that (without prejudice to other rights of the Company to close the Client's open positions and use other means of protecting against non-performance of the Client's obligations under the Business Conduct Terms) if the Client has a monetary obligation to the Company under this Agreement or the Business Conduct Terms, and sufficient funds have not been credited to the Client's accounts, the Company may consider that the Client has not fulfilled the payment and may exercise its rights under this Agreement and/or in accordance with the Business Conduct Terms.

5.5. The Client is fully responsible for the accuracy of the payments made. If the Company's bank details change, the Client is fully responsible for any payments made using outdated bank details from the moment the new information is published in the Personal Account.

5.6. Acceptance of funds from Clients of the Company via payment cards of international payment systems on the Website may also be carried out by official partners of the Company, whose information can be found in the Business Conduct Terms for non-trading operations and in the Personal Account.

6. Client's Funds and Interest.

6.1. The Client's funds are held in the Company's accounts, including segregated accounts opened in the Company's name, to hold Client's funds separately from the Company's funds.

6.2. The Client acknowledges and agrees that the Company will not pay interest on the funds placed in the Client's accounts. The Company has the right to pay interest on the Client's funds under conditions and in amounts determined by the Company.

6.3. Use of bonus funds. The Company may credit bonuses to the Client's trading account.

The amount of the bonus depends on the Client's deposit size or the terms of a personalized offer from the Company to the Client, under which bonus funds are credited to the Client's account.

Bonus funds credited to the Client's trading account are not a financial obligation of the Company towards the Client.

Funds in the Client's trading account become available for withdrawal only after the Client has met the mandatory trading volume on their account.

The required trading volume is equal to the bonus amount multiplied by its leverage. The leverage for the bonus is 35, and for bonuses of 50% or more of the total trading deposit, the leverage is 40.

Bonus offers may be limited in duration.

Trades with a "no profit" result (in case the strike price of the asset equals the expiration price) are not counted in the calculation of the mandatory trading volume executed by the Client.

The refusal or cancellation of the bonus is possible only if there have been no trading operations on the account since the bonus funds were credited.

Upon expiration of the bonus offer, the bonus credited under it may be deducted from the Client's trading account.

The bonus is canceled if the balance of the Client's trading account falls below the minimum permissible trade size.

7. Complaints and Disputes

7.1. All complaints and disputes are handled according to the applicable Business Terms.

8. Communications

8.1. The rules for communication between the Client and the Company are defined in the Business Terms.

8.2. The Client must give trading instructions only via the client terminal. For certain types of accounts, a backup option for submitting instructions and orders by phone may be provided.

8.3. The Client must submit requests for crediting and debiting funds only via the Personal Account according to the Business Terms for non-trading operations.

8.4. By accepting the terms of this Agreement, the Client also agrees to receive emails from the Company to their personal email address and SMS messages to the mobile phone number registered in the Personal Account.

9. Materiality of Deadlines for Fulfillment of Obligations

9.1. The timeframes for the Client and the Company to fulfill their obligations are a material condition for all Business Terms.

10. Cases of Non-Fulfillment of Obligations

10.1. Each of the following events is considered a case of non-fulfillment of obligations:

a) Failure of the Client to pay any obligation under the Business Terms;

b) Failure of the Client to fulfill any obligation towards the Company;

c) The initiation of a bankruptcy or liquidation proceeding against the Client (if the Client is a legal entity); or the appointment of a judicial officer or administrator in relation to the Client or the Client's assets (if the Client is a legal entity); or (if the Client is a natural or legal person) if the Client enters into a debt settlement agreement with their creditors; or any other similar or analogous procedure initiated against the Client;

d) The Client providing guarantees or representations in accordance with clause 11 of this Agreement that are not true;

e) The Client's inability to pay their debt when it is due;

f) The death of the Client or their being declared legally incompetent;

g) Any other circumstances where the Company reasonably believes it is necessary or advisable to take action in accordance with clause 10.2 of this Agreement.

10.2. In the event of non-fulfillment of obligations, the Company may, at its discretion, take the following actions at any time without prior written notice to the Client:

a) Close any or all of the Client's open positions at the current quote;

b) Debit from the Client's accounts the amounts owed to the Company;

c) Close any of the Client's accounts opened with the Company;

d) Refuse to open new accounts for the Client.

11. Representations and Warranties

11.1. The Client represents and warrants to the Company that:

a) All information provided under this Agreement, the Business Terms, and the information provided by the Client in the Registration Form in the Personal Account is true, accurate, and complete in all respects;

b) Understands and accepts that they are considered a Professional Client under the definitions of MIFID I and MIFID II. As a result, the Company will treat the Client as a professional participant, and the Client expressly waives any rights or protections arising from the Company's refusal of retail status;

c) Acknowledges that the Company is not regulated in any jurisdictions other than Zwitserland. Therefore, the Client acknowledges that the Company cannot offer the same level of protection as other regulated entities;

d) Is duly authorized to enter into this Agreement, issue instructions and requests, and fulfill its obligations under the Business Terms;

e) The Client acts as principal;

f) If the Client is an individual, they completed the Client Registration Form, and if the Client is a legal entity, the person who completed the form on behalf of the Client had full authority to do so;

g) All actions undertaken under the Business Terms do not violate any laws, regulations, rights, statutes, or rules applicable to the Client or in the jurisdiction in which the Client is a resident, or any other agreement the Client is bound by, or which affects the Client's assets;

h) All trading systems employed by the Client are not aimed at exploiting any software vulnerabilities of the Company;

i) The Client is NOT a resident of the USA, Canada, Japan, Australia, New Zealand, or any other country where the Company does not provide services;

j) Acknowledges that the Company does not act as a tax agent in any jurisdiction, and therefore, any income, profits, or losses resulting from the Client's trading activity are reported by the Client to the relevant tax authorities (if applicable) independently.

11.2. The Company has the right to declare any position of the Client invalid or to close one or several positions of the Client at the current price at any time, at its discretion, in case of violation by the Client of clause 11.1 of this Agreement.

12. Governing Law and Jurisdiction

12.1. This Agreement is governed by the laws of Switzerland.

12.2. The Client unconditionally:

a) agrees that the courts of Switzerland have exclusive jurisdiction to determine any procedural actions in relation to this Agreement;

b) submits to the jurisdiction of the courts of Switzerland;

c) waives any objections regarding the judicial process in any of such courts;

d) agrees never to claim that the location of judicial proceedings is inconvenient or that it does not have legal force over the Client.

12.3. The Client irrevocably and to the maximum extent permitted by the laws of Switzerland waives, both for themselves and their income and assets, regardless of their use or intended use, immunity based on sovereignty or any other similar grounds from:

1. a) being summoned to court,

b) the jurisdiction of the court,

c) court orders, orders to enforce obligations in kind or return of property,

d) the imposition of arrest on assets before or after a court decision, and (e) the enforcement or compulsory execution of any judgment rendered against the Client or their income, or assets in any jurisdiction.

The Client irrevocably and to the maximum extent permitted by the laws of Switzerland agrees not to request such immunity in any claims. The Client agrees to satisfy claims and court orders, including, but not limited to, in relation to any of the Client’s assets.

12.4. In case of disputes, the English version of this Agreement and Business Terms shall have priority over versions of this Agreement and Business Terms in other languages.

12.5. The Company communicates with the Client in English, Russian, or other languages by mutual agreement; however, agreements made between the Company and the Client in English have superior force over agreements made in other languages.

13. Limitation of Liability

13.1. The Client undertakes to indemnify the Company from any liabilities, costs, claims, damages that may arise directly or indirectly due to the Client’s failure to fulfill their obligations under the Business Terms.

13.2. The Company shall not be liable to the Client for any losses, damages, lost profits, missed opportunities (due to possible market movements), expenses, or harm in accordance with the terms of this Agreement, unless otherwise stipulated in the relevant Business Terms.

13.3. The Client shall not transfer passwords for the trading platform and Personal Account to third parties and shall ensure their safekeeping and confidentiality. All actions performed in relation to the fulfillment of the Business Terms and/or using the login and password are considered to have been carried out by the Client. The Company is not responsible for unauthorized use of registration data by third parties.

13.4. The Client acknowledges and agrees that margin trading is highly speculative, as stated in the Risk Disclosure (Notification) on the Company’s website. If the Client does not understand the disclosure of risks, the Company recommends the Client to seek independent advice or contact their representative. The Client acknowledges and agrees that margin trading may have significant risks, including, but not limited to, legal and financial risks, with the potential for unlimited losses and no guarantees of preserving the capital invested or generating profits. The Client acknowledges and agrees that margin or non-trading products are suitable only for professional individuals who can bear financial losses without affecting their standard of living.

14. Force Majeure

14.1. The Company, if it has sufficient grounds, may recognize the occurrence of force majeure (force majeure) circumstances. The Company will take the necessary steps to inform the Client about the occurrence of force majeure circumstances. Force majeure circumstances include (but are not limited to):

a) any action, event, or occurrence (including, but not limited to: any strike, civil unrest, terrorist acts, wars, natural disasters, accidents, fires, floods, storms, power outages, communication, software and/or electronic equipment failures, civil disturbances) that, in the Company's reasonable opinion, has led to the destabilization of the market or one or more instruments;

b) the suspension of operation, liquidation, or closure of any market; or the introduction of restrictions, or special or non-standard trading conditions on any market; or in relation to any such event.

14.2. If the Company determines the occurrence of force majeure circumstances, the Company has the right (without prejudice to other rights of the Company under the Business Terms) without prior written notice and at any time to take any of the following steps:

a) increase margin requirements;

b) close any or all open positions of the Client at a price the Company reasonably considers fair;

c) suspend or modify the application of one or all provisions of the Business Terms while the force majeure circumstances make compliance with these provisions impossible for the Company;

d) take or, conversely, refrain from taking any actions in relation to the Company, Client, and other clients, if the Company reasonably considers this appropriate under the circumstances.

14.3. The Company shall not be liable for non-performance (improper performance) of obligations if performance was hindered by force majeure circumstances.

15. Miscellaneous

15.1. In case of a payment withdrawal by the Company related to a transaction, the Company reserves the right to freeze the Client’s current balance for the amount of the withdrawn payment until the matter is resolved.

15.2. If there is no trading activity on the Client’s account for more than 30 (thirty) days from the closing of the last active position, the Company has the right to charge a monthly fee of 50 USD for maintaining such a trading account.

15.3. If there is no trading activity on the Client’s account for more than 3 (three) months or no funds in the Client’s account for more than 1 (one) month, the Company has the right to deem the account inactive, close it, and archive it.

15.4. The Company has the right to suspend the Client's service at any time, if there are sufficient grounds (preliminary notice to the Client is not required).

15.5. In the event of situations not described in the Business Terms, the Company will act in accordance with accepted market practices, based on the principles of fairness and equity.

15.6. The full or partial exercise of any right by the Company, as well as its non-exercise (in accordance with this Agreement or applicable law), shall not serve as a reason for the refusal to further exercise similar or other rights by the Company according to the relevant regulatory documents or law.

15.7. The Company has the right to decide to fully or partially release the Client from responsibility for violations of the Business Terms during the term of this Agreement or to take another compromise decision. In such cases, all violations are considered, regardless of the time of their occurrence, and the Company may file claims against the Client at any time. The above circumstances do not prevent the Company from exercising other rights provided in the Business Terms.

15.8. The rights of the Company, according to the Business Terms, are supplementary to the rights established by the legislation of Switzerland.

15.9. The Company has the right to transfer rights and obligations, in whole or in part, to a third party, provided that the Client is duly notified and the successor agrees to the terms of this Agreement and the applicable regulatory document.

15.10. If any provision of the Business Terms (or any part of any provision) is deemed invalid by a court of competent jurisdiction, such provision will be considered a separate part of the Agreement or the Business Terms, and it will not affect the validity of the remaining part of this Agreement.

16. Amendments and Termination

16.1. The Client acknowledges that the Company has the right to make amendments and changes:

a) to the provisions of this Agreement or any Business Terms at any time, notifying the Client of the changes;

b) to the values of spreads, swaps, and dividends specified in the contract specifications without prior notice to the Client;

c) to other trading conditions with written notice to the Client at least 1 (one) calendar day in advance.

Amendments become effective from the date specified in the notice. In the event of force majeure circumstances in the markets, the Client acknowledges the Company’s right to make amendments and changes to the Business Terms immediately, without prior notice.

16.2. The Client agrees that when the Company introduces new products and services, prior notice to the Client is not required.

16.3. The Client may suspend or terminate this Agreement by providing written notice to the Company.

16.4. The Company may suspend or terminate this Agreement immediately by notifying the Client of its intention.

16.5. The Company reserves the right to deny the Client access to the Personal Account service without providing reasons.

16.6. Termination of this Agreement does not annul obligations of the Company and the Client that have already arisen under this Agreement or the relevant Regulatory document, including in relation to open positions or transactions involving withdrawal/deposit of funds to the Client’s account.

16.7. Upon termination of this Agreement, any outstanding debts of the Client to the Company must be settled immediately, including, but not limited to:

a) debts related to any payments and commissions;

b) any expenses related to the termination of this Agreement;

c) any other losses and expenses related to the closure of a position or any other obligations of the Company arising at the initiative or fault of the Client.

1. General Provisions

1.1. This Regulation on the Execution of Non-Trading Operations (hereinafter referred to as the “Regulation”) has been developed within the framework of international cooperation measures aimed at combating financial abuse, detecting and preventing violations of the law, and sets out the procedure for conducting non-trading operations on the Client's account with FXBROKERID (hereinafter referred to as the “Company”).

1.2. A non-trading operation is any Client operation involving the deposit of funds to the Client's account, withdrawal of funds from the Client's account, or internal transfer of funds between the accounts within the Client’s Personal Area.

The terms and definitions applicable to this Regulation are specified in clause 1.8 of the Client Agreement published on the Company’s Website. In the event of any inconsistency between certain provisions of this Regulation and those of the Client Agreement or the Terms of Business relating to non-trading operations, the provisions of this Regulation shall prevail. This does not invalidate the remaining provisions of the aforementioned documents.

1.3. Instructions (requests) for non-trading operations may be submitted by the Client to the Company only via the Personal Area. All other means of communication listed in section 3 of this Regulation are intended for interactions between the Company and the Client, as well as for the Company's notifications to the Client.

1.4. When registering an account (Personal Area) on the Company’s Website, the Client undertakes to provide accurate and truthful information for identity verification in accordance with the registration form requirements and this Regulation. The Client must promptly notify the Company of any changes to their identification data.

1.5. To verify the identification data of an individual Client, the Company reserves the right to request the following documents at any time:

a) A valid identification document. A scanned copy or photo of the passport pages and/or other national identification document in a legible format, showing the surname and first name(s), date and place of birth, passport number, issue date and expiry date, issuing authority, and the Client’s signature.

1.6. To verify the identification data of a corporate Client, the Company reserves the right to request the following documents at any time:

a) Registration, incorporation documents, and documents confirming the Company’s legal status and the authorized signatory’s powers over the Client’s account.

1.7. The Company reserves the right to suspend non-trading operations on the Client's account if the Client's identification data are found to be inaccurate or false, or if the requested documents are not provided.

1.8. The Company collects information to determine whether a new or existing Client is subject to FATCA regulations. Accordingly, the Company may request the Client to complete one of the self-certification forms, the W-8 form, or other additional documents and information. The Company is not allowed to provide services to individuals subject to FATCA tax obligations for foreign accounts.

1.9. The Client guarantees the legal origin, lawful ownership, and right to use the funds deposited into the Client’s account.

1.10. The Company reserves the right to unilaterally amend the provisions of this Regulation at any time by notifying the Client of the planned changes at least three (3) business days in advance using one or more methods described in clause 3.1 of this Regulation. Such amendments shall take effect from the date specified in the respective notice.

1.11. This Regulation is public and constitutes an integral part of any agreement concluded between the Company and the Client. The content of this Regulation is disclosed without restrictions upon request from any interested parties.

2. Suspicious Non-Trading Operations

2.1. A non-trading operation may be deemed suspicious by the Company in the following cases, including but not limited to:

a) Abuse of fund transfers without using the Company’s direct services (i.e., without executing trading operations on the trading account or using investment services);

b) Unusual nature of the operation with no apparent economic sense or lawful purpose;

c) Circumstances indicating that the operation is conducted for the purpose of money laundering or terrorist financing;

d) Failure to provide identification information or verification documents by the Client, or provision of false information;

e) Inability to contact the Client via the registered email or phone number provided by the Client;

f) Failure to identify the ultimate beneficiary — the person on whose behalf the Client is acting (e.g., under agency, commission, or trust agreements during non-trading operations);

g) Submission of forged or invalid documents.

2.2. A non-trading operation may be recognized as suspicious by the Company based on the nature of the operation, its components, accompanying circumstances, and interactions with the Client or their representative.

2.3. The Company reserves the right to investigate the nature of suspicious non-trading operations as described in clause 2.1 of this Regulation and, as a result, suspend such operations until the causes are clarified and the investigation is completed.

2.4. During the investigation mentioned in clause 2.3, the Company may request from the Client identification documents, payment documents, and other documents confirming lawful ownership and legal origin of the funds deposited to the Client’s account.

2.5. If suspicious non-trading operations are identified, the Company may:

1. a) Refuse to process them by rejecting the respective request;

b) Restrict deposit and/or withdrawal operations in the Client’s account in any manner deemed appropriate by the Company;

c) Return the funds previously credited to the Client’s account to the same source of payment used for the deposit;

d) Deduct from the Client’s account any refunded commissions or bonuses credited for the Client’s operations;

e) Terminate the relationship with the Client.

2.6. The refusal to conduct suspicious non-trading operations, as well as the termination of relations with the Client upon identifying such operations, shall not give rise to any civil liability of the Company for violating the terms of agreements concluded with the Client.

3. Communications

3.1. The Company may communicate with the Client through:

a) Email;

b) Telephone;

c) Postal mail;

d) Announcements on the Company’s Website;

e) Notifications in the Personal Area.

3.2. To promptly contact the Client regarding non-trading operations, the Company will use the Client’s contact information provided during registration or updated in accordance with clause 3.4 of this Regulation. The Client agrees to receive messages from the Company at any time.

3.3. Any correspondence (documents, notifications, confirmations, announcements, reports, etc.) is deemed received by the Client:

a) one (1) hour after being sent to the email address;

b) immediately after the end of a phone call;

c) seven (7) calendar days after being sent by postal mail;

d) immediately after being posted on the Company’s Website;

e) immediately after being posted in the Personal Area.

3.4. The Client undertakes to promptly inform the Company of any changes to contact information by updating it in the Personal Area or by any other method offered by the Company.

3.5. The Client understands and agrees that if the Client behaves inappropriately when communicating with a Company representative, the Company reserves the right to unilaterally terminate relations with the Client.

3.6. Each of the Client’s non-trading operations is confirmed by a record in the "Payment History" section of the Personal Area. If the Client identifies an error in such a record, they must submit a complaint in accordance with Section 7 of this Regulation.

3.7. If the Client discovers an error in the record that benefits them, they must notify a Company representative as soon as possible using the contact information available on the Company’s Website.

4. Payment Policy

4.1. Depositing funds into and withdrawing funds from the Client’s account is carried out only using the transfer methods available in the Personal Area.

4.2. The Client understands and agrees that all commissions and other fees (including commissions and other costs according to tariffs of the electronic payment systems or processing centers through which the chosen transfer method is executed) shall be borne by the Client.

The Company undertakes not to charge any additional fees on the Client’s transfer amount, except for the commissions and other charges provided for in this Regulation.

4.3. Funds are credited to the Client’s account based on a deposit request. Funds are withdrawn based on a withdrawal request. Internal transfers between the Client’s accounts are made based on an internal transfer request. All non-trading requests are processed by the Company within one (1) business day, but no later than the end of the business day following the day the request is received (or the day the funds are credited to the Company’s account, in case of a deposit request).

4.4. Non-trading operation requests such as deposit, withdrawal, and internal transfer requests are created by the Client in the Personal Area and are considered accepted by the Company once they appear in the "Payment History" section of the Client’s Personal Area and in the Company’s client request tracking system.

4.5. The Company credits to the Client’s account the amount received in the Company’s account.

4.6. Funds are credited to the Client’s account in the account's currency, regardless of the currency of the original transfer. If the transfer currency differs from the account currency, the amount is converted using the exchange rate shown in the Personal Area at the time the funds are received by the Company.

4.7. Funds are withdrawn from the Client’s account in the account's currency. If the account currency differs from the transfer currency, the amount is converted into the appropriate currency at the exchange rate shown in the Personal Area at the time of the withdrawal.

4.8. The currency in which the Company accepts deposits and the currency in which it processes withdrawals to the Client’s external account are specified in the Client’s Personal Area depending on the selected transfer method.

4.9. The Company reserves the right to set limits on minimum and maximum transfer amounts, differentiated by transfer direction, method, and currency.

4.10. The Company reserves the right to limit the maximum number of withdrawal and internal transfer requests submitted via the Client’s Personal Area within one day. These limits are published in the Personal Area and may be updated by the Company periodically.

4.11. If the Company receives a refund of funds previously sent to the Client based on a withdrawal request, the refunded amount is credited to the Client’s account. Associated commissions and other costs are borne by the Client.

4.12. If funds sent to the Client’s account by bank transfer are not credited within five (5) business days from the payment date, the Client has the right to request an investigation as per clause 7.4. The Client understands that the investigation may incur commissions (according to the payment system or processing center’s tariffs), which are to be paid by the Client. The method of payment for such fees is determined individually and may involve either transferring the required amount to the Company’s accounts or debiting the Client’s account.

4.13. If funds sent to the Client’s account via electronic payment system or bank card are not credited within two (2) business days from the payment date, the Client has the right to request an investigation in accordance with clause 7.5.

4.14. If funds sent to the Client’s external account by bank transfer based on a withdrawal request are not received within five (5) business days after the request status changes to “Executed,” the Client may request an investigation. The Company may provide the Client with a document confirming the transfer:

a) for international bank transfers — a copy of the SWIFT document confirming the transfer in foreign currency.

4.15. If the funds sent to the Client’s external account based on a withdrawal request through an electronic payment system are not credited to the Client within 2 (two) business days from the moment the withdrawal request status changes to "Executed", the Client may contact the Company to request an investigation. The Company may provide the Client with a screenshot confirming that the funds were sent to the Client’s external account.

4.16. The Client understands and agrees that the investigation and ordering of documents under clauses 4.14, 4.15, and 4.16 of this Regulation may incur fees (according to the tariffs of the sending bank or the electronic payment system), which shall be paid by the Client. The payment method for such fees is determined on a case-by-case basis and may involve either transferring the required amount to the Company’s accounts or deducting it from the Client’s account.

4.17. The Client may activate the "Withdrawal Restriction to Client’s Bank Account Only" service. To activate this restriction, the Client must send a letter to the appropriate email address:

a) to a bank account registered in the Client’s name;

b) via an internal transfer to another Client account opened within the Client’s Personal Area, provided that the account to which the funds are being transferred will be subject to the same restriction on withdrawals to the Client’s bank account only.

4.18. To remove the "Withdrawal Restriction to Client’s Bank Account Only", the Client must follow this procedure: contact the Company with identity verification and submit a written request in free form to lift such restriction.

4.19. If an error made by a Company employee during the transfer of funds results in the funds not being credited to the Client’s external account, the fees for resolving the issue will be borne by the Company.

4.20. If an error in the payment details provided in the Client’s withdrawal request leads to the funds not being credited to the Client’s external account, the fees for resolving the issue will be borne by the Client.

4.21. The Client acknowledges and agrees that in the event of a negative balance on their account, they are obliged to immediately cover the debt using their own funds. If there are insufficient funds on the accounts at the time the debt arises, the Client undertakes to repay the full or remaining amount in full within the established period.

4.22. Transfers made by the Client to fund their account and withdrawals from the Client’s account must comply with the requirements and take into account the restrictions set out in this Regulation, as well as the applicable laws and other legal acts of the countries under whose jurisdiction such transfers fall.

4.23. The Company reserves the right to restrict the ability to perform non-trading operations in the Client’s Personal Area (as well as suspend the execution of already created Client requests) for an indefinite period in the following cases:

a) upon the Client’s violation of clause 11.1 of the Client Agreement;

b) when eliminating the consequences of non-market quotes for trading instruments;

1. c) in case of technical failures at the Company and/or the Company’s authorized agent.

4.24. In the event of a negative balance on the Client’s account, the Company has the right to suspend the execution of the Client’s withdrawal requests and internal transfers between the Client’s accounts, including those already created before the debt occurred, until the full repayment of the debt by the Client.

5. Methods of Fund Transfer

5.1. Bank Transfer

5.1.1. The Client may use a bank transfer to fund their account and withdraw funds from their account, provided that the Company supports this method at the time of transfer.

5.1.2. The Client may use this method only after submitting a signed Client Registration Form and a copy of their passport (the Client must provide the Company Representative with a scanned copy of their passport/ID and the signed Client Registration Form).

5.1.3. The Client may make a bank transfer to the Company’s account only from a bank account registered in the Client’s name or without opening a bank account.

5.1.4. Before making a bank transfer to fund the account, the Client must create a deposit request in the Personal Area and download the payment invoice (for foreign currency bank transfers). The invoice parameters such as the Company’s bank details, payment reference, and payment due date must be carefully followed by the Client when making the transfer. If the Client cannot make the transfer using the specified payment reference, they must contact the Company Representative to resolve the issue individually.

5.1.5. The Company reserves the right to reject funds received via bank transfer if the payment reference differs from that specified in the invoice or if the transfer was made by a third party on behalf of the Client. In such a case, the Company returns the funds to the bank account from which they were received. All costs associated with the return of such a transfer are borne by the Client.

5.1.6. The Client may request a withdrawal via bank transfer only to a bank account registered in the Client’s name.

5.1.7. The Company undertakes to send the funds to the Client’s bank account in accordance with the details specified in the withdrawal request, provided that the conditions of clause 5.1.2 of this Regulation are met.

5.1.8. When transferring funds via bank transfer, the Company will specify the payment reference indicated in the Personal Area. If the payment reference changes, the Company will promptly inform the Client of the new reference by publishing it in the Personal Area.

5.1.9. The Client understands and agrees that the Company is not responsible for the terms and timing of the bank transfer (standard processing times are 2–5 business days) by the Client’s bank.

5.2. Transfer via Bank Card

5.2.1. To fund the Client’s account and withdraw funds from the Client’s account, the Client may use a bank card of an international payment system, the type of which is indicated in the Client’s Personal Area, at any time, provided that the Company supports this method of funds transfer at the time of executing the Client’s request.

5.2.2. Receipt of funds from Company clients via cards of international payment systems through the Personal Area is technically carried out by the Company’s official partners.

5.2.3. The Client may use a bank card registered only in their own name. Transfers using third-party cards are not accepted or processed by the Company. If a payment is received to the Client’s account from a third party’s card, the funds will be returned to the same card used for funding. All expenses related to such a return are borne by the Client or such third party.

5.2.4. When making a transfer via bank card, the Company may request the following documents from the Client:

a scan or photocopy of the passport in high resolution;

5.2.5. The Client understands and agrees that when using this method of account funding, the following restrictions apply:

a) withdrawal of funds and internal transfers from the Client's account will only be possible after the full completion of the client verification procedure;

b) withdrawal of funds from the Client’s account will only be possible via bank transfer to an account registered in the Client’s name, or to the bank card used to fund the Client's account, provided that at the time the respective request is processed, the Company is operating with the given method of transfer.

5.2.6. The Client understands and agrees that the Company is not responsible for the timing of the transfer, the conditions imposed by the issuing bank of the bank card, or any circumstances leading to a technical failure during the transfer, if such failures occurred not through the fault of the Company, but due to the fault of the issuing bank, processing center, or international payment system.

5.2.7. Once the funds transferred by the Client using a bank card have been successfully credited to the Client’s account with the Company, the Company’s obligation to provide the service of crediting the payment amount is deemed fully fulfilled and cannot be disputed.

5.2.8. In exceptional cases, the Company may refund a payment made by bank card. In such cases, the refund will be made to the same bank card used to fund the account.

5.3. Internal Transfers

5.3.1. The Client may submit a request for an internal transfer at any time, provided the Company is currently operating with this method of transfer.

5.3.2. The Client may submit a request for an internal transfer to another Client account opened in the Personal Account. Requests for internal transfers to third-party accounts are not accepted by the Company.

5.3.3. When transferring funds internally from a Client account funded by bank card, the withdrawal restrictions are transferred to the Client account receiving the internal transfer.

5.3.4. If a Company employee makes an error during an internal transfer that results in the funds being credited to an incorrect account, the request amount will be reimbursed to the Client at the Company’s expense.

5.3.5. If the Client makes an error in the account details when submitting an internal transfer request, resulting in the funds being credited to an incorrect account, the request amount will not be reimbursed to the Client.

6. Rules for Using the Personal Account

6.1. The Client agrees with all points of these Rules for using the Personal Account.

6.2. Access to the Personal Account is protected by a password.

6.3. The Client confirms and agrees that access to the Personal Account will be granted via password.

6.4. The Client assumes full responsibility for safeguarding the password and protecting it from unauthorized access by third parties.

6.5. All instructions submitted through the Personal Account using the password shall be deemed made personally by the Client.

6.6. Any person who gains access to the Personal Account by entering the password is considered the Client.

6.7. The Company is not responsible for any losses the Client may incur in the event of theft, loss, or disclosure of the password to third parties.

6.8. The Client has the right to independently change the password to access the Personal Account or use the password recovery procedure.

6.9. Requests to fund the account, withdrawal requests, and internal transfer requests are displayed in the Client’s Personal Account under the “Payment History” section.

6.10. The Client can see the following statuses for account funding requests in the “Payment History” section of the Personal Account:

a) The status “In Progress” means that the Company is awaiting receipt of funds.

b) The status “Completed” means that the funds have been credited to the Client’s account.

c) The status “Rejected” means that the request has been rejected. The detailed payment information specifies the reason for the rejection.

6.11. The Client can see the following statuses for withdrawal and internal transfer requests in the “Payment History” section of the Personal Account:

a) The status “In Progress” means that the request has been accepted by the Company.

b) The status “Completed” means that the funds have been sent to the external account specified by the Client in the request, or have been credited to another Client account with the Company in the case of an internal transfer.

c) The status “Rejected” means that the request has been rejected. The detailed payment information specifies the reason for the rejection.

6.12. A funding request, withdrawal request, or internal transfer request may be canceled by the Client (in the “Payment History” section of the Personal Account) before it is executed by the Company.

6.13. A funding request, withdrawal request, or internal transfer request may be rejected by the Company with the reason for the rejection provided.

7. Procedure for Conducting Investigations on Transfers and Resolving Disputes

7.1. In the event of a dispute, the Client has the right to file a claim or request an investigation of the transfer. Claims and requests are accepted within five (5) business days from the date the dispute arises.

7.2. The moment a dispute arises for the purpose of filing a claim shall be considered the time of the entry in the "Payment History" section of the Client's Personal Account. The moment a dispute arises for the purpose of filing a request shall be considered the time of occurrence of the cases described in clauses 4.13, 4.14, 4.15, and 4.16.

7.3. To file a request for an investigation of a bank transfer, the Client must:

a) correctly complete the standard form in the "Payment History" section of the Personal Account.

b) in the case of a foreign currency bank transfer, attach a copy of the SWIFT document confirming the fact of the transfer in foreign currency.

7.4. To initiate an investigation of a card transfer, the Client must:

a) correctly complete the standard form in the "Payment History" section of the Personal Account. All requests submitted in other ways (on forums, via e-mail, by phone, etc.) will not be accepted for investigation.

b) in the case of a card transfer: provide a copy of the identity document and a copy of the bank card.

7.5. To file a claim related to non-trading operations, the Client must correctly complete the standard form in the Claims section of the Personal Account.

7.6. A unique number (TID) is automatically assigned to a request or claim filed in accordance with clauses 7.3, 7.4, and 7.5. The Client will receive a confirmation from the Company's email address ([email protected]).

7.7. A claim must not contain:

a) emotional assessments of the dispute;

b) offensive language;

c) profanity.

7.8. To conduct an investigation of the transfer and review the claim, the Company has the right to request additional documents from the Client.

7.9. The Company has the right to reject the Client's claim regarding a non-trading operation in the following cases:

a) the claim was not filed in accordance with clauses 7.3 and 7.4;

b) the claim was submitted in a manner other than through the "Payment History" section of the Personal Account (on forums, via e-mail, by phone, etc.);

c) the Client initiated non-trading operations by transferring funds to other trading or non-trading accounts within the Personal Account using funds credited to the Client's account as part of the disputed non-trading transaction, or initiated trading operations using those funds;

d) in other cases as stipulated by this Regulation, the Client Agreement, and other Business Terms available on the Company's Website.

7.10. If the Company's review of the Client’s claim under this Regulation does not yield a satisfactory result, the Client has the right to refer the matter to the competent authorities in accordance with the applicable laws of Switzerland.

FXBROKERID

FXBROKERID (hereinafter the “Company”) strives to ensure that every Client is satisfied with the quality of the services provided. Therefore, we have created this Refund Policy, which forms an integral part of the Client Agreement, in order to prevent disputes with our Clients:

1. If the Company receives a refund request for any transaction, the Company reserves the right to block the Client’s current balance for the amount of the refund until the investigation is completed and to return the funds after deducting all necessary fees and commissions. Any expenses, fees, and commissions related to the refund shall be borne by the Client.

2. The Company reserves the right, at its sole discretion, to issue refunds to the Client for payments received via any payment system, including credit/debit cards, with prior notice to the Client one day in advance. In such cases, the funds will be returned to the same payment source from which they were received.

3. If the Client has used a bank transfer to fund the Client Account, the Company reserves the right to refuse the crediting of funds received via bank transfer to the Company’s account if the payment reference differs from the one specified in the Company’s invoice, or if the transfer was made by a third party on behalf of the Client. In such cases, the Company will return the funds to the bank account from which they were received. All expenses related to the return of such a transfer shall be borne by the Client.

4. If a payment is received to the Client’s account from a third-party bank card, the refund will be made to the same bank card used for the deposit. All expenses related to such a refund shall be borne by the Client or the third party.

5. If there are reasonable grounds to believe or suspect that the origin of the Client’s funds and/or the Client’s overall activity contradicts the AML and KYC Policy or any terms of the Client Agreement and its integral parts or any applicable legal requirements, the Company reserves the right to unilaterally refuse to credit/withdraw funds from the Client’s Accounts within the Company’s systems, freeze such assets, block the Client’s Account, cancel any payments made and/or return these funds. The Client shall compensate for any direct or indirect losses/damages incurred by the Company as a result of the aforementioned.

6. If the Company reasonably classifies any actions of the Client as suspicious, inappropriate and/or contrary to the usual purpose of using the Company’s services, where there is direct or indirect, unlawful or dishonest intent, the Company reserves the right to act in accordance with this Refund Policy without prior notice to the Client. In such cases, the Client shall compensate the Company for direct and indirect losses/damages as well as expenses incurred due to the Client’s actions.

7. The Company will not compensate the Client for any losses under any circumstances.

8. The Client may submit a written request for a refund of funds credited to the Client’s account, provided that the Client has not performed any trading or other operations since the funds were credited to the Client Account for more than 14 days. The Company will process the refund to the same payment source used for the deposit within a reasonable timeframe. The refund may only be made directly to the Client who deposited the funds into their Client Account. All expenses related to such refund shall be borne by the Client. The full amount will be refunded unless otherwise agreed. All other requests will be treated as withdrawal requests and processed using standard methods and procedures.

9. If any abuse or fraudulent activity by the Client is identified in relation to any Company policy, the Company reserves the right to reject the Client’s refund request.

10. This Refund Policy is intended to inform Clients that the Company issues refunds only in the cases listed above.

11. The Company reserves the right to amend this Refund Policy at its sole discretion without prior notice.

General Provisions

This Privacy Policy is an integral part of the Terms of Business published on this Website, as well as other agreements concluded with the Client, and enters into force simultaneously with the Client Agreement.

The Company takes all necessary measures to ensure the security, confidentiality, and protection of personal data and other information processed on this Website.

By visiting this Website and/or using the information and/or services provided by the Company, the Client and other third parties accept the terms of this Privacy Policy and confirm that they are familiar with this Privacy Policy and give their consent to the collection, registration, accumulation, storage, adaptation, modification, updating, use, dissemination (implementation, transfer), depersonalization, destruction of personal data and other information in accordance with this Privacy Policy. The Company reserves the right to modify the provisions of this Policy at its own discretion and, therefore, the Client and other third parties are strongly encouraged to review the latest version of this Privacy Policy before visiting this Website.

The following terms are used in this Policy with the meanings as defined below:

“Client and/or related parties (or You)” — any legal or natural person who has expressed an interest in using our services, is using or has previously used them, or is otherwise associated with the services provided by the Company, i.e. is a family member, beneficial owner, Company representative, etc.

“Logo” — a registered trademark which is the object of copyright, legally owned by the Company and protected by national legislation.

“Cookies” – a small piece of data sent by a web server to be stored on the Client’s and/or user’s computer as a file so that the website can retrieve this information on your next visit. This file is sent to the web server in an HTTP request each time you try to access a page of the respective website. Cookies may be used on certain pages of the website to provide you with faster and more convenient access.

“Privacy Shield” – the EU-U.S. and Swiss-U.S. Privacy Shield Framework requirements as established by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union (including the European Economic Area countries) and the United Kingdom, as well as Switzerland, depending on the case, to the United States of America, relying on the Privacy Shield.

You may also encounter the above-mentioned terms on third-party links of the Company’s website.

1. In this Policy, the name of the Company and all pronouns “we,” “us,” “our” shall refer to the Company, including its founders, developers, directors, investors, employees, and persons specified in this Policy.

2. Terms not defined in this Policy shall have the meanings set forth in the Client Agreement.

3. Personal Data Management

3.1. The Company engages in activities involving the collection of personal information provided by the Client and/or other third parties.

3.2. The Company processes Clients’ personal data and may obtain such information in the following ways:

3.2.1. By directly requesting it from the Client (via a registration form).

3.2.2. By automatically recording information about the Client’s visit to this Website.

3.2.3. When visiting this Website, the Company may receive and record technical information from the browser: IP address, cookies, and the requested page address.

3.2.4. By contacting us via phone, email, or other means.

3.2.5. By using publicly available information. Such information may be considered personal data and, therefore, may be used and processed by the Company in accordance with applicable laws, international treaties, rules and regulations of relevant organizations, and the provisions of this Privacy Policy.

3.3. The Client may visit this Website without providing any information about themselves. However, if the Client intends to use the services offered on the Company's Website, the Client must provide the Company with the following information: the Client company’s registration address and actual location, contact phone number, Client company name; full names of the Client company’s authorized persons (applicants); email address and other information.

3.4. The Company manages the following personal data: full name of an individual; place of birth; date of birth; citizenship; residence (location); details of an identity document; contact phone number; email address; signature; recordings of telephone conversations and information provided during such calls, and other information and data allowing the identification of an individual in relation to whom the request is made and submitted to the Company. The Company may request other information in accordance with applicable laws, this Privacy Policy, and other terms and conditions of the Company at its sole discretion.

3.5. Personal data provided by the Client is processed for the following purposes:

3.5.1. To correctly identify you and maintain business relations with you.

3.5.2. To assess your solvency, creditworthiness, risk of obligation fulfillment and, if you have debts, to manage your debt.

3.5.3. To prevent money laundering, terrorist financing, or other illegal activities.

3.5.4. To ensure your safety, the safety of the Company's employees, and public order.

3.5.5. To protect the rights and interests of the Company.

3.6. The Client and other individuals can change their browser settings so that cookies are not accepted, but in this case, some features on the Website may become unavailable, and information may be displayed incorrectly.

3.7. As with most website managers, the Company monitors website visits and collects the following information: the number of people who visited the websites, the domain of the server, internet service provider, local information (GPS signal from the device or information about nearby Wi-Fi points and mobile towers, which may be transmitted to the relevant mobile network operator when the visitor uses content on this Website), and more. This information is used to improve the quality of services provided by the Company.

3.8. The Company undertakes not to disclose personal data and other information to third parties without the consent of the data owner, except when such disclosure is required by law, or when necessary for the reasons specified in paragraph 3 of this Policy.

3.9. According to the above, the Company may transfer information about you to the following parties:

a) Banks, financial and payment institutions, or other payment service providers (including payment initiation services and account information services), insurance companies (including insurance intermediaries, insurance brokers);

b) Personal data processors or managers processing joint debtor data files or whose activities are related to the recovery, administration, or use of debts;

c) Correspondent banks or other intermediaries (such as clearing houses, settlement agents, brokerage firms, collective investment enterprises, asset management companies providing investment services, etc.) involved in payment systems or securities settlement systems, and/or participating in managing these operations;

d) Law enforcement authorities, courts, other dispute resolution bodies;

e) Third parties who install, administer, or otherwise manage the software used by the Company;

f) Providers of printing and/or postal services in connection with the printing and/or forwarding of the Company's messages;

g) Individuals engaged in archiving and storing contracts and other documents;

h) Individuals providing the Company with digital signature services;

i) Notaries, bailiffs, lawyers, consultants, auditors, and other service providers used by the Company to provide necessary services to Clients;

j) Other third parties (intermediaries) processing Personal Data on behalf of the Company or in accordance with agreements concluded with the Company;

k) Potential or actual successors to the Company's business or its part, or their authorized consultants or representatives.

3.10. For the provision of certain services, Personal Data may be transferred and processed outside of these territories (for example, in debt collection processes), provided that the level of protection of personal data is maintained, namely:

a) The data is transferred to the USA, which adheres to the principles of Privacy Shield;

b) A data transfer agreement has been concluded by the Company with the data recipients in accordance with the standard contractual clauses approved by the European Commission, and the requirements of the GDPR;

c) The data recipient belongs to a country included in the list of countries by the European Commission that provide an adequate level of data protection.

3.11. The Company reserves the right to hire third parties at its sole discretion to perform certain functions according to this Policy and other provisions of the Company on behalf of the Company.

3.12. The owner of the personal data is informed and agrees that the Company is not responsible for damages resulting from the use of such data by third parties within the limits allowed by law. In all other cases, personal data may be disclosed to third parties only as provided by the applicable legislation.

3.13. Personal data is stored no longer than necessary to achieve the purposes of processing the Personal Data or for the period determined or allowed by law. The Company retains information about you while you use the Company's services, and for an additional 5 years after you stop using the Company's services. At our discretion, we may retain personal information to fulfill legal obligations. Furthermore, the Company separately stores or deletes personal information for users who have agreed to keep records for a specified period.

4. Access to personal data. Modification and updating of personal data. Refusal of processing personal data by third parties

4.1. The owner of personal data must provide truthful and complete information according to the terms and conditions of the Company. If false and/or incomplete personal data is provided, the subject is liable according to the applicable law.

4.2. In case of any changes to the information provided by the data subject, the subject must notify the Company within the day when such changes occurred.

4.3. Requests for access, correction, and refusal, as well as notifications of changes, should be sent to the following email address: [email protected]. In such messages, the subject should indicate their full name and surname and the name of the applicant according to the registration data.

4.4. No later than 1 month after receiving your request, the Company will provide (even with a negative response) information about the actions the Company has taken after receiving your request for the implementation of rights, or information indicating the reason for non-implementation. The period for providing the requested information may be extended by up to two more months, depending on the complexity and volume of the data being processed and the number of services provided.

The Company may refuse to process a request for the implementation of rights from you or may request an appropriate fee if the request is clearly unreasonable or excessive, as well as in other cases provided by law.

5. Processing of personal data for notification purposes

5.1. By registering with the Company's services, the personal data subject agrees to the processing of their personal data by the Company and voluntarily gives their consent to receive notifications, messages, and other alerts regarding the services and agreements between the Company and the Client.

5.2. Also, when registering on the Company's Website, the Client confirms their consent to receive informational, commercial, and other mailings.

6. Internet security

6.1. Unfortunately, the transmission of information over the Internet is not completely secure. While we do everything possible to protect Clients' personal data, the Company cannot guarantee the security of data transmission through this Website. The owner of the personal data assumes this risk. Upon receiving information, we use strict procedures and security rules to prevent unauthorized access.

7. Confidential data security on third-party websites

7.1. The Company is not responsible for the security of confidential data when using third-party websites, even if these websites are accessible through links placed on the Company's Website. The Company recommends that you familiarize yourself with the terms of service and other information on such websites.

8. Intellectual property. Use of the logo

8.1. Unless otherwise specified, the software necessary for servicing the Company is available and/or used on the Company's Website, and the intellectual property rights (including copyrights) to the content and information of the website belong to the Company. It is prohibited to reproduce, translate, adapt, or otherwise use any part of the Company's website (any content, logo, software, products, services, etc.) for commercial activities by third parties.

8.2. During the term of the agreement concluded between the Company and the Client (according to applicable law), the Company provides the Client using the Company's services the opportunity to display on the Company's Website a description of their provided services and sold goods for free. However, in this case, the Company has the right, without notice, to remove such description and/or the Client's company logo from the Company's services and not advertise it without providing reasons for the removal or completely refuse such advertising at any time without explanation.

7.3. The Client using the Company's services agrees to allow the Company to use their name and/or logo for direct marketing purposes (for example, to indicate that the Client uses the services provided by the Company).

8. Protection of Confidential Data

8.1. We guarantee the confidentiality and protection of the confidential data received from the Client, as well as public data files (if not prohibited by law). To protect such information from unauthorized access, use, copying, or disclosure, the Company uses various administrative, technical, and other security tools to ensure the safety of such data.

9. Final Provisions

9.1. This Privacy Policy does not contradict the applicable legislation. All disputes regarding this policy shall be resolved through negotiations, and if an agreement cannot be reached, such disputes will be resolved according to the applicable laws.

9.2. The terms of the Privacy Policy may be changed at any time at the discretion of the Company. By agreeing to the terms of this policy, you agree that it is your responsibility to check the Policy and its terms from time to time, as well as to receive notifications about changes.

9.3. If you refuse to accept changes to the Policy, you should stop using the Company's services. Continued use of the services and features after changes have been made and come into effect implies automatic acceptance of the terms.

10. Contact Information

10.1. If you have any questions related to this Policy, we will be happy to answer them at the following email: [email protected]

FXBROKERID

The AML and KYC Policy applies to the Company, its partners, and Clients, aiming to prevent and combat money laundering and any other activities facilitating money laundering and/or the financing of terrorism or criminal activities. The Company requires its managers, employees, and branches to adhere to the principles of this Policy to prevent the misuse of its services for money laundering.

1. Definitions of Terms

This AML and KYC Policy includes and uses the following terms, which you may encounter on external links on this Website:

“AML and KYC Policy” — anti-money laundering and counter-terrorist financing and counter-weapons of mass destruction financing (against money laundering, financing of terrorism, and financing of weapons of mass destruction). This policy aims to combat the legitimization of income obtained through criminal means and is intended to prevent and reduce potential risks for the Company being involved in any illegal activities.

“KYC” — Know Your Customer. This is the principle that financial institutions must follow to identify a customer’s identity before performing any financial transactions.

“CIP” — Customer Identification Program. The requirements of this program for financial companies regarding the identification of individuals who wish to use their services for financial transactions. This program is regulated by the U.S. Department of Justice.

“Client and/or related persons (or You)” — any legal or natural person who has shown interest in using our services, uses them, or has previously used them, or is otherwise connected to the services provided by the Company, i.e., a family member, beneficial owner, representative of the client company, etc.

“Prohibited Behavior” — any manifestation of illegal behavior that involves fraud, corruption, money laundering, conspiracy, terrorism financing, or any other unlawful acts under the law.

“Fraud” — a term that refers to the use of deceptive acts or words with the intent to pursue personal motives and interests, thus causing harm to the interests of other users and the Company.

“Corruption” — an action manifested through offering, extortion, persuasion, or receiving something valuable to improperly influence the actions and rights of another party.

“Money Laundering” — a scheme involving financial transactions whose primary goal is to hide the identity, source, and/or purpose of illegally obtained funds.

“Conspiracy” — an agreement between two or more persons aimed at improperly influencing the actions and rights of another party and individuals, including the Company.

“Terrorism Financing” — the collection or provision of funds by any means that directly or indirectly affect unlawful actions according to the applicable legislation.

“Criminal Behavior” — any crime committed anywhere in the world.

“Authorized Fraud Prevention Officer” — an authorized person tasked with monitoring, preventing, and, when necessary, conducting investigations to identify cases of Prohibited Behavior. This individual is directly responsible for ensuring the proper enforcement of the policy concerning all suspected individuals.

1.2. The above-mentioned terms may also appear on external links on the Company’s Website.

1.3. Terms not defined in this Policy have the meanings specified in the Client Agreement.

1.4. In this AML and KYC Policy, the name “Company” and all pronouns “we”, “us”, “our” refer to the company FXBROKERID, including its founders, developers, directors, investors, employees, and individuals specified in this Policy.

1.5. The Company, ATI Limited, may refer to services, products, websites, and other materials provided by the Company.

2. Legal Basis

2.1. This Anti-Money Laundering Policy is based on the norms of the following legislative acts: national legislation, FATF recommendations, which include but are not limited to the following:

2.1.1. Directive (EU) 2015/849 of the European Parliament and Council of May 20, 2015, on preventing the use of the financial system for money laundering or terrorism financing.

2.1.2. The International Convention for the Suppression of the Financing of Terrorism (1999).

2.1.3. The Forty Recommendations of the FATF.

2.1.4. Other international documents regulating measures to prevent money laundering and terrorism financing.

2.2. Adhering to and accepting the Company’s AML and KYC policy automatically implies compliance with all regulatory and legislative acts.

3. KYC Procedure

3.1. The KYC procedure implements the FATF (Financial Action Task Force) recommendations. According to these recommendations, the entity conducting financial transactions must verify its identity.

3.2. KYC is aimed at establishing and verifying the identity of the Client. During the information gathering process about the Client, the Company must ensure that the individual contacting the Company has a real residential address, has not been convicted, and is not involved in activities that would raise doubts about the legality of their funds.

3.3. For the Client’s identification, a CIP procedure may be conducted, which involves gathering the following data:

3.3.1. For legal entities:

a) Registration number of the company in the official register of legal entities of the country in which the company is registered.

b) Name of the company.

c) Registration address and address of business operations of the company.

d) List of authorized persons.

e) Corporate structure.

f) Information about business partners and upcoming transactions (including contracts).

g) UBO (ultimate beneficial owner) data and their compliance with KYC/AML procedures (assessment of the money laundering risk posed by the client).

3.3.2. For individuals:

a) Last name, first name, and patronymic.

b) Date and place of birth.

c) Nationality.

d) Residential address.

e) Occupation, position, and/or employer's name.

3.4. The Client is required to provide the Company with documents confirming the data about them, specifically:

3.5. The Company has the right to request additional documents necessary for the identification of the Client at its discretion.

a) International or national passport.

b) Proof of residential address and registration.

c) Phone bills.

d) Bank statements.

e) Utility bill copies.

4. User Identification

4.1. The Company reserves the right to take any measures, including forcibly requesting user identification to prevent money laundering, terrorism financing, and other illegal activities by tracking suspicious Client activity. This includes activities suspected or showing signs of Prohibited behavior as outlined in the Policy.

4.2. The Company does not personally monitor every user, but it does check Clients suspected of suspicious and/or illegal activity.

4.3. We may request additional identification proof at our discretion if the Company has any suspicions about the Client’s activities.

4.4. The Company reserves the right to freeze an account linked to suspicious activity without prior notice and require the account holder to undergo mandatory KYC user verification.

5. Use and Processing of Personal Data

5.1. All personal data of clients, users, and individuals suspected of financing terrorism, money laundering, or fraudulent activities will be used and protected in accordance with the Company’s policies.

6. Transaction Monitoring

6.1. The Company closely monitors all Client transactions if there is suspicion of fraud or illegal activities. If such activities are detected, the Client must undergo KYC identity verification. If the Client refuses or ignores the Company’s request, the Company reserves the right to freeze the Client’s account and deny access until the issue is resolved.

7. Changes and Revisions

7.1. The AML and KYC Policy may be modified at any time at the Company’s discretion. The Client agrees that it is their responsibility to periodically check for any changes in the AML and KYC Policy and carefully review any notifications about updates and additions to this Policy.

7.2. If the Client refuses to accept the AML and KYC Policy, they must not continue using the Company’s services. Continued use of the Company’s website and services after changes to this Policy take effect will automatically be considered acceptance of these changes by the Client.

8. Anti-Fraud Policy

8.1. The anti-fraud policy is an integral part of the Client Agreement, aimed at preventing or partially curbing fraud, corruption, collusion, money laundering, terrorism financing, and other illegal activities by the Client.

8.2. The Company adheres to high legal, ethical, and moral standards, and as such, Clients and partners of the Company have the right to expect the Company to implement protection against any unlawful and illegal activities at a high level.

8.3. The Policy has been integrated in accordance with international and local legislation.

9. Fraud Investigation

9.1. If there are reasonable and substantiated suspicions that an individual is directly or indirectly involved in terrorism, financing terrorism, money laundering, or fraud, the Company reserves the right to thoroughly investigate the person’s identity using all lawful methods and means specified in the legislation and in the Terms of Business, as well as in other integral parts (appendices) of the Client Agreement.

9.2. The authorized person for fraud prevention is responsible for detecting, investigating, and preventing illegal activities.

9.3. In certain cases, the Company reserves the right to involve third-party organizations to investigate individuals in order to collect sufficient evidence or proof to forward them to the relevant authorities.

9.4. The authorized person is also responsible for:

9.4.1. Collecting and storing any information related to the case of the suspected individual, including information about clients, transactions, and deals;

9.4.2. Reporting findings to the Company and relevant authorities, as well as to third parties if necessary to provide information for the investigation.

The authorized person for fraud prevention has the full right to pursue, initiate, and close investigations, as well as report on any investigation regarding Prohibited behavior within their competence without prior notice, consent, and/or intervention from the suspected individual or organization. All investigations are carried out strictly objectively and confidentially.

9.5. The Company reserves the right to block the Client’s account and all funds until the circumstances are clarified in order to ensure the prompt and thorough process of such an investigation.

All Clients, in accordance with these Terms of Business, including its integral parts, are obligated to cooperate promptly and effectively with the authorized person, including providing the necessary information and documentation if requested by the authorized person.

9.6. All documentation and materials collected and created during the investigation of the Prohibited activities of the suspected individual must be strictly confidential. The confidentiality of information is maintained in the interest of those responsible for the violation, third parties, and the investigation.

9.7. The authorized person for fraud prevention should disclose confidential information only to those individuals or companies authorized to receive it, if necessary, for conducting the investigation or assisting in the investigation.

10. Responsibility of the Parties

10.1. The Authorized Person for Fraud Prevention is responsible for tracking, investigating, and preventing cases of Prohibited Behavior or illegal actions.

10.2. As per the above, the Company reserves the right to perform identity verification of any user or transaction in accordance with the KYC policy in order to detect evidence of prohibited behavior.

10.3. The Company is responsible for:

10.3.1. Taking appropriate measures concerning individuals suspected of committing or having committed a crime;

10.3.2. Ensuring and creating effective controls to prevent illegal activities;

10.3.3. Conducting operational investigations in cases of detecting prohibited behavior or illegal actions;

10.3.4. Reporting any suspicions and identities to the relevant government authorities and competent bodies;

10.3.5. Ensuring that the Authorized Person for Fraud Prevention reports any internal or external suspicions or cases related to unlawful acts.

11. User Statement

11.1. By using the Company's service, you guarantee that you do not intend to engage in any prohibited actions as described above. Furthermore, you agree to any checks related to an investigation in accordance with the Policy, and you agree to fully and promptly cooperate with the Authorized Person for Fraud Prevention during the investigation.

12. Changes and Amendments

12.1. The terms of the AML and KYC Policy may be changed at any time at the discretion of the Company. By agreeing to the terms of this policy, you agree to take responsibility for periodically reviewing the Policy and its terms and receiving notifications about changes.

12.2. If you refuse to accept changes to the Policy, you must discontinue using the Company's services. Continuing to use the services after the changes take effect will automatically be considered acceptance of the updated terms.

If you have information about illegal activities or suspicious individuals, please contact our support service at e-mail: [email protected].

FXBROKERID