1. Introduction

1.1

These Terms and Conditions (“Terms”) apply to and govern the relationship between you, the User of this Website, and Finotive Funding (www.finotivefunding.com), a trading name of Finotive Funding Technologies Limited, with its registered office at Innovation One Building, Level 2, DIFC, Dubai, UAE (Company Registration Number: 11088) (“Finotive”, “we”, “our”, or “us”).

Your agreement to comply with and be bound by these Terms is deemed to occur upon your first use of the Website or the Services. If you do not agree to be bound by these Terms, you must immediately stop using the Website and Services.

Please read these Terms carefully before using the Website or Services operated by Finotive.

All accounts provided under the Services are demo, simulated, and non-executable accounts. While execution is simulated, it is designed to closely replicate live market conditions. As such, you may experience effects such as slippage, variable spreads, and order execution delays, similar to those that can occur in real trading environments. Funds allocated to such accounts are notional only, are not deposits, and do not represent monies held on your behalf or for your benefit.

You acknowledge and agree that:
a) trades conducted through these accounts are executed in a simulated environment only and are not placed in live financial markets;
b) profits and losses generated in such accounts are hypothetical and calculated solely for the purpose of performance evaluation under Finotive’s programmes; and
c) you acquire no entitlement, right, or interest in any actual funds, returns, or withdrawals other than as expressly provided under these Terms or pursuant to a duly executed Funded Trader Agreement.

For the avoidance of doubt, the Services do not constitute, and shall not be construed as, the provision of investment services, brokerage services, portfolio management, or the acceptance of deposits under any applicable financial services legislation.

For clarity, no entitlement to actual funds, deposits, or financial instruments shall arise from simulated trading activity, except where expressly provided in a separate, duly executed Funded Trader Agreement.

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1.2 Definitions

For the purposes of these Terms, the following definitions shall apply:

• “Trader”, “you”, or “your” means any individual or entity that applies for, purchases, or uses the Services provided by Finotive.

• “Company”, “Finotive”, “we”, “us”, or “our” means Finotive Funding (www.finotivefunding.com), a trading name of Finotive Funding Technologies Limited, with registered office at Innovation One Building, Level 2, DIFC, Dubai, UAE (Company Registration Number: 11088).

• “Services” means all products, accounts, platforms, dashboards, software, tools, and related features provided by Finotive under these Terms.

• “Parties” means you and us together, and “Party” means either you or us individually.

• “Account” means any trading account purchased, created, or maintained under these Terms, whether a Trial, Challenge, Pro, or Instant Funding account.

• “Account Balance” means the notional, simulated amount displayed in an Account, used solely for performance evaluation and profit-sharing purposes, and not representing actual funds held by or for the Trader.

• “Account Reset” An Account Reset restarts the account from its Initial Account Balance and resets all relevant performance metrics for a new trading period. A Reset is an enforcement consequence, not a bonus. Where the account balance is negative at the time a Reset would otherwise apply, the Reset is placed on hold until the Trader has recovered the balance to at least break-even. Example: Notional Volume Breach in challenge stage results in an account reset.

• “Account Downgrade” A Downgrade applies to Pro accounts only. If a trader breaches the Pro Consistency or Profitability Rule, their Pro account is converted to the equivalent standard funded Challenge account, and all Pro benefits — including the 100% profit split — are permanently removed.

• “Agreement” means these Terms, together with any Funded Trader Agreement, policies, rules, or additional terms published by Finotive from time to time, including the Privacy Policy and Refund Policy.

• “Business Day” means a day, excluding Saturdays, Sundays, and public holidays, on which banks in England & Wales are open for business.

• “Challenge” means any one-step or two-step evaluation account designed to assess a Trader’s performance prior to eligibility for a Funded Account.

• “Challenge Fee” or “Fee” means the payment made by a Trader to access a Challenge, Pro Account, or Instant Funding Account, which is non-refundable unless expressly stated otherwise in these Terms.

• “Consistency Rule” means the requirement for a Trader to maintain trading patterns (including position sizing, frequency, and instrument mix) within the tolerances specified by Finotive to demonstrate sustainable and non-manipulative trading.

• “Correlated Stacking” means the practice of opening multiple simultaneous or successive positions in instruments that are highly correlated in price movement, such that the combined exposure artificially inflates risk or circumvents drawdown limits.

• “Dashboard” or “Trader Dashboard” means the secure online portal provided by Finotive for account management, reporting, and payout requests.

• “Daily Drawdown” means the maximum permitted percentage loss in Account Balance in a single trading day, as defined for each account type.

• “Drawdown” means the permitted reduction in Account Balance, measured either daily or cumulatively, as specified for each account type.

• “Funded Account” means a simulated account allocated to a Trader upon successful completion of a Challenge, or via an Instant Funding product, under which simulated profits may be shared in accordance with these Terms.

• “Funded Trader Agreement” means the additional agreement entered into between Finotive and a Trader upon allocation of a Funded Account, governing profit-sharing, payouts, and other specific conditions.

• “Hard Breach” A Hard Breach results in immediate account termination upon confirmation. No warning is issued, no strike is recorded, and no graduated consequence applies. The three Hard Breach events are: Daily Drawdown breach , Maximum Drawdown breach , and accumulation of five strikes . Where a Hard Breach applies, it overrides all other consequences. Where the Hard Breach is triggered by accumulation of five cumulative Strikes, the account will be permanently closed and no payout, reduced payout, withdrawal, or profit split will be issued.

• “Instant Funding Account” means a product that provides immediate access to a simulated Funded Account without completion of a Challenge.

• “Latency Arbitrage” – exploiting price feed delays between brokers/platforms to gain unfair advantage.

• “Liquidity Providers” means third-party institutions or group affiliates providing simulated pricing, spreads, and execution infrastructure within the Finotive Group environment.

• “Loss” means any financial detriment, including but not limited to breach of drawdown, negative balance, prohibited trading strategy, or rule violation resulting in termination of an Account.

• “Maximum Drawdown” means the maximum cumulative permitted loss on an Account, as defined for each account type.

• “Open Position Breach Carryover Rule” means that breaches caused by open positions at the time of a payout request shall carry over to affect the Trader’s entitlement to that payout, including any drawdown or stop-loss violations triggered after the request.

• “Payout” means a payment requested by a Trader from simulated profits in a Funded Account, processed via Finotive Pay or another approved method, subject to verification, compliance, and these Terms.

• “Payout Cycle” The calendar period in respect of which a payout is calculated and requested.

• “Pro Account” means any one-step or two-step account that includes enhanced benefits such as a fixed 100% Profit Split and salary benefits, subject to compliance with the additional conditions set out in these Terms.

• “Profit Split” means the percentage of simulated profits allocated to the Trader from a Funded Account, as set out in these Terms.

• “Prohibited Behaviour/Strategy” Conduct that is abusive, non-reproducible, or explicitly prohibited will result in the account being placed under Risk and Compliance review. Based on the findings of the review, a final decision will be made and communicated to the trader.

• “Revenge Trading” or “Gambling-Style Trading” means erratic, disproportionate, or impulsive trades designed primarily to recover losses, reset conditions, or manipulate payout eligibility, regardless of short-term profitability.

• “Risk Calculator” means any tool provided within the Dashboard that calculates and displays compliance with risk limits, including stop loss, drawdown, and position sizing thresholds.

• “Scaling Plan” means the growth model through which eligible Funded Accounts may be increased in size, subject to performance and risk-management criteria.

• “Simulated Trading” means non-live trading activity where trades are not executed in actual financial markets and results exist solely for evaluation and educational purposes.

• “Soft Breach” A rule violation of less severity and carries consequences short of immediate account closure or payout rejection. Depending on the rule and account type, a soft breach may result in an Early Soft Warning, a Formal Warning, or a Strike .

• “Soft Breach — Immediate Srike” A rule category where no warning stage applies. Once a breach is confirmed, a strike is recorded immediately. There is no Early Soft Warning and no Formal Warning at any stage. The consequence that follows the strike depends on the rule and account stage & type.

  Examples: A Notional Volume breach during the Challenge Phase results in an immediate strike and an account reset. A Notional Volume breach on a funded account or Instant Funding account results in an immediate strike and a 10% payout reduction for the relevant cycle. A Weekend Holding breach on an Instant Funding account results in an immediate strike and a 10% payout reduction for the relevant cycle.

• “Soft Breach — Warning Based Strike” A rule category where a warning(s) is issued before any strike is recorded. The pathway is graduated. It begins with a warning and a strike is only recorded upon a further confirmed breach.

  Example — Floating Drawdown: On Challenge and Pro Challenge accounts, reaching the floating drawdown threshold results in a soft warning only. No strike is recorded at this stage. On Funded Challenge and Funded Pro accounts, each confirmed breach results in one (1) Strike and a payout reduction to 10%. On Instant Funding accounts, the first confirmed breach results in a Formal Warning only. No strike is recorded, and no payout reduction follows at this stage. From the second confirmed breach onward, each breach results in one (1) Strike and a payout reduction to 10% for that cycle.

• “Soft Breach — Conditional Strike” A rule category where a breach is identified, but no strike is recorded automatically. The trader is notified of the condition and permitted to continue trading to reverse it. A strike is only applied if the trader submits a payout request while the condition remains unresolved. If the condition is reversed through further trading before a payout is requested, no consequence applies. Exception: if the Conditional Strike would take the account to five cumulative Strikes, the 10% reduced payout consequence will not apply. The five-strike Hard Breach outcome will apply instead, meaning the account will be permanently closed and no payout or profit split will be issued.

  Example — Scalping: A trader closes 20 trades in a payout cycle, of which 12 were held for 120 seconds or less. This represents 60% of closed trades, which exceeds the 40% threshold. The dashboard indicator activates to notify the trader. At this point, the trader has two options: continue trading to bring the scalping percentage below the threshold, or proceed with a payout request. If the trader continues trading and successfully reverses the condition before requesting a payout, no strike is recorded, and no consequence applies. If the trader proceeds with the payout request while the condition is still active, one (1) Conditional Strike will be recorded, and the payout for that cycle will be reduced to 10%.

• “Early Soft Warning” An Early Soft Warning is an informational alert with no penalty attached. It does not count as a Strike or a Formal Warning. During the Challenge phase (Evaluation), it is issued after a monitored threshold has been breached. Since no enforcement consequence applies in this phase, the warning is purely informational. During the Funded phase, it is issued as you approach a monitored threshold before a breach occurs. It is your advance notice to adjust your position before a Strike is triggered.

• “Formal Warning” An official, recorded notice confirming that a rule threshold has been reached. A Formal Warning is more serious than an Early Soft Warning, but it does not count as a Strike. It is typically the first response to a confirmed soft breach.

• “Toxic Flow” means trading activity that generates adverse selection, artificial fills, or unmanageable exposure for liquidity providers, including but not limited to order flooding, scalping on stale quotes, or other manipulative practices.

• “Trading Platform” means the MT5 or any other electronic trading platform provided by Finotive for the execution of simulated trades.

• “Notional Volume Limit” means the maximum total notional value of all open trades expressed as a percentage of the account balance.

• ”Strike” is a recorded consequence for a confirmed soft breach — five cumulative strikes result in permanent account closure. If the fifth cumulative Strike is triggered, the Hard Breach outcome applies. No payout or profit split will be issued, including where the fifth Strike arises from a payout request made while a recoverable rule remains unresolved. In the Challenge Phase, only a Notional Volume breach generates a strike and account reset. In the Funded and Instant Funding accounts, every confirmed strike results in a payout reduction to 10% for that cycle.

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1.3 Amendments to the Terms

Your use of the Services is subject to these Terms, which may be amended or updated by us from time to time. Any revised Terms shall become binding and effective immediately upon their publication on the Website or Dashboard. We are not required to provide individual notice of such amendments.

It is your responsibility to review the Terms regularly to ensure that you understand the conditions governing your use of the Services.

In addition to these Terms, the Finotive Funding Trader Guide, account rules, and any service-specific policies published by us from time to time are expressly incorporated into, and form part of, this Agreement.

Where mandatory consumer law requires notice of material changes, reasonable notice will be provided.

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1.4 Acceptance of Terms

By accessing or using www.finotivefunding.com (the “Website”) or any of our Services, you agree to be bound by these Terms and to comply with all applicable laws and regulations in connection with your use of the Services.

These Terms are governed by and construed in accordance with the laws of the United Arab Emirates, and you agree to the exclusive jurisdiction of the courts of the United Arab Emirates.

2. Age Restriction

2.1

This Website and the Services are offered and made available only to individuals who are at least eighteen (18) years of age. By agreeing to these Terms and using the Services, you represent and warrant that you are at least eighteen (18) years old.

2.2

In addition to clause 2.1, you must also be of legal age to form a binding contract under the laws of your jurisdiction or country of residence. If you do not meet these requirements, you must not access or use the Website or Services.

2.3

Without prejudice to the above, Finotive reserves the absolute right, in its sole discretion, to refuse any application for access to the Services or participation in any Programme, and shall have no obligation to provide reasons for such refusal. This includes the right to refuse Traders based on risk profile, prior breach history, geographic restrictions, or any other factor reasonably considered relevant to Finotive’s business integrity and compliance obligations.

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2A. Programmes Offered

Finotive makes available a range of simulated account programmes (the “Programmes”) under these Terms. Each Programme has distinct features, objectives, and eligibility criteria, but all Programmes remain subject to the general rules set out in Section 7.

The Programmes currently offered are as follows:

• (a) One-Step Challenge Account – a performance evaluation account requiring achievement of a profit target and compliance with all rules to progress to Funded Status.
• (b) Two-Step Challenge Account – a performance evaluation account comprising two sequential phases with distinct profit targets, both of which must be achieved to progress to Funded Status.
• (c) Finotive Pro Accounts – available in either one-step or two-step format, providing enhanced benefits including a fixed one hundred percent (100%) Profit Split, subject always to compliance with the Consistency and Profitability Rules and other Pro conditions in Section 10.
• (d) Instant Funding Accounts (Standard) – a direct-access Funded Account product, requiring no evaluation phase.
• (e) Instant Funding Lite Accounts – a variation of the Instant Funding product with higher initial drawdown parameters but a reduced starting Profit Split, minimum trading days and a 14 day payout cycle.
• (f) Swap-Free Add-On – an optional feature available on eligible accounts that removes overnight financing charges (swaps) for religious compliance purposes. The Swap-Free Add-On is governed by Section 12A of these Terms.

All Programmes and features are described in greater detail in these Terms, and may be amended, suspended, or withdrawn by Finotive at its sole discretion.

3. Unauthorised access

3.1

You must not attempt to gain unauthorised access to the Website, the Services, the server on which the Website is hosted, or any computer, database, or network connected to the Website. You must not attack the Website or Services via a denial-of-service attack, a distributed denial-of-service attack, or by any other unlawful means.

A breach of this provision may constitute a criminal offence under applicable law. In the event of such a breach, your right to use the Website and Services will cease immediately, and we will report the breach to the relevant law enforcement authorities and cooperate with them.

3.2

Finotive shall not be liable for any loss or damage caused by a denial-of-service attack, distributed denial-of-service attack, viruses, malware, or other technologically harmful material that may infect your computer equipment, programs, data, or other proprietary material arising from your use of the Website or Services, your downloading of any material posted on the Website, or your access to any website linked to the Website, except where such liability cannot be excluded under applicable law.

Fees are non-refundable except as expressly stated in Section 12 (Refunds).

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4. Our Services/Process

4.1

The Website provides access to simulated trading programmes, including evaluation challenges, instant funding accounts, Pro accounts, and related services (together, the “Services”). The Services are intended for educational and evaluation purposes only and are not investment services, brokerage services, or portfolio management.

4.2

Finotive Funding is not a broker and holds no licence with MetaQuotes or any other trading software provider.

4.3

Trading accounts provided under the Services are facilitated through Finotive Markets LLC, an affiliate of Finotive Funding and the entity licensed with MetaQuotes to provide access to the MetaTrader 5 platform.

4.4

All trading performed within the Services is conducted on a simulated, non-execute basis. You acknowledge and agree that:
a) no trades are executed in live financial markets;
b) all profits and losses are hypothetical and used solely for evaluation and performance measurement; and
c) you acquire no right, title, or interest in any actual funds or capital other than as expressly provided in these Terms or in a written Funded Trader Agreement.

4.5

Unless and until you are expressly notified otherwise under a Funded Trader Agreement, you shall not be entitled to receive any remuneration or profit from simulated trading activity, nor will you bear any liability for trading losses.

4.6

Finotive Markets LLC provides price quotations for FX, Metals, Commodities, and Indices on a 24/5 basis, and for cryptocurrencies on a 24/7 basis. Positions may be held over weekends; however, when no pricing is provided between Friday market close and Sunday market open, and during such periods you may be exposed to positive or negative slippage upon market re-opening.

4.7

Because all trading is conducted on live servers but in a non-execute environment, trading conditions may reflect slippage (positive or negative), latency, and other market-like characteristics. Finotive shall not be liable for any losses arising from such conditions.

4.8

You are solely responsible for ensuring that your use of the Services complies with the laws and regulations of your jurisdiction. Finotive does not permit use of the Services where prohibited by applicable law or regulation. Finotive does not represent or warrant that the Services are lawful in your jurisdiction and shall have no liability for your failure to comply with local law.

4.9

By registering for the Services, you acknowledge and agree to provide accurate, complete, and current personal information as required for account creation. Finotive may require you to submit Know Your Customer (KYC) documentation in order to verify the accuracy of the information provided.

4.10

You further acknowledge and agree that Finotive reserves the right to conduct additional due diligence at any time during the business relationship. Such measures may include, but are not limited to:
a) submission of supplementary identification or address verification documents;
b) participation in video verification or consultation through approved virtual meeting platforms;
c) confirmation of payment method ownership; and
d) any other procedures reasonably necessary to comply with applicable laws and regulations, or to protect the integrity of the Services.

4.11

Finotive may apply simplified or enhanced due diligence measures depending on the assessed risk profile of your account, your geographic location, or the nature of your transactions or trading activity. These measures are designed to ensure compliance with applicable anti-money laundering, counter-terrorist financing, and financial crime prevention standards.

4.12 Enhanced Due Diligence (EDD) Requirements

4.12.1

As part of Finotive Funding's Enhanced Due Diligence ("EDD") process, the Trader may be required to re-complete the Know Your Customer (KYC) verification, including the submission of an additional proof of address document or any other documentation deemed necessary by our Compliance Team. Such requirements must be completed within seventy-two (72) hours of the request being issued. If the Enhanced Due Diligence (EDD) process is not successfully completed, no further attempts or second chances will be granted.

4.12.2

During the EDD/KYC process, the Trader must complete verification under stable, consistent, and unmasked network conditions.

The following are strictly prohibited and will result in the automatic failure of the KYC verification:

• Use of VPN services, iCloud Private Relay, proxy networks, or any form of IP masking or obfuscation.
• Rapidly changing IP addresses during the KYC process.
• KYC submissions that originate from multiple geographically distant locations or substantially inconsistent IP ranges.

These conditions are necessary to ensure Finotive Funding can verify the Trader's authentic and true location in compliance with Anti-Money Laundering (AML), fraud prevention, and jurisdictional regulatory obligations.

4.12.3 Compliance & Risk Verification Call

As part of the EDD process, the Trader may be required to participate in a recorded Compliance / Risk Verification Call, subject to the following conditions:

a. Interpreter Requests

If the Trader requires an interpreter, this must be requested from the Finotive Funding Compliance Team at [email protected]

• at the time of booking the call slot, and
• no later than 48 hours prior to the scheduled call.

Interpreter requests submitted later than this timeframe may not be accommodated.

b. Device & Screen Sharing Requirement

The Trader must conduct the call from the same device on which they are able to perform screen sharing. Failure or refusal to share the screen upon request will result in an automatic failure of the call.

c. Trader Presence

Only the Trader may be present in the room during the call. Third-party presence or assistance is strictly prohibited.

d. Punctuality & Attendance

Our team will wait a maximum of five (5) minutes after the scheduled start time. If the Trader does not join the call within this grace period without prior written notice to the Compliance Team, the call will be marked as failed.

e. Mandatory Booking Deadline

The Trader must book the Compliance / Risk Verification Call within seventy-two (72) hours of receiving the booking request from the Compliance Team. Failure to book the call within this timeframe will result in account suspension and payout rejection.

4.12.4 Consequences of Non-Compliance

Should the Trader breach any of the requirements specified in Section 4.12 — including, but not limited to:

• Use of graphical software, digital editing tools, or any form of document manipulation;
• Use of VPNs, proxy networks, IP masking, rapidly changing IPs, or geographically inconsistent KYC access;
• Inability or refusal to perform mandatory screen sharing during the Compliance / Risk Verification Call;
• Failure to attend the scheduled call within the designated grace period;
• Failure to conduct the call due to not having requested an interpreter within the required timeframe;
• Presence of third parties or breach of any call-related condition;

Will result in the failure of the Enhanced Due Diligence process, and will lead to account suspension, withheld payouts, or termination in accordance with these Terms & Conditions and applicable regulations.

4.13

You acknowledge that failure to comply with KYC or due diligence requests may result in:

• a) restrictions being placed on your Account;
• b) suspension of Services;
• c) refusal to process payouts or withdrawals; and/or
• d) termination of the business relationship.

4.14

By agreeing to these Terms, you expressly accept that these verification and due diligence measures are mandatory for the protection of both Finotive and its customers, and that non-compliance will constitute valid grounds for enforcement action, including permanent account closure.

4.15

Finotive pays profits from its own reserves via Finotive Funding. Client is not trading in live markets and has no right to execution or liquidity.

5. Order Process

5.1

To access the Services, the Trader must first complete registration via the Finotive Dashboard and provide all required information. Upon registration, the Trader may select and purchase an account product, including a One-Step Challenge, Two-Step Challenge, Pro Account, or Instant Funding Account, as described in these Terms.

5.2

The applicable fee for the selected account must be paid in full at the time of order, and account access shall remain conditional upon successful completion of any required KYC or due diligence procedures. Unless expressly stated otherwise in these Terms, all fees are non-refundable.

5.3

Finotive Funding is not a brokerage and does not hold any licence with MetaQuotes or any other software provider. Trading Accounts are facilitated through Finotive Markets LLC, which is licensed with MetaQuotes to provide access to the MetaTrader 5 platform. By purchasing an account and using the Trading Platform, the Trader agrees that the terms and conditions of Finotive Markets LLC, as may apply to the Trading Platform, are incorporated by reference into this Agreement.

5.4

Following successful registration and payment, the Trader may download the MetaTrader desktop application either via the Finotive Dashboard or directly from the Finotive Markets website.

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6. Finotive Funding account

6.1

Finotive Markets LLC shall provide the Trader with access to a simulated trading account (the “Trading Account”), which shall be used solely within the Finotive Markets LLC-licensed MetaTrader 5 (“MT5”) trading platform as part of the Services.

6.2

Access to the Finotive Funding Dashboard shall be with the login credentials created by the Trader at registration. Access to the Trading Account shall be with the credentials issued to the Trader by Finotive Markets LLC following successful registration, fee payment, and completion of any required KYC procedures.

6.3

Login credentials to the Dashboard or the Trading Account are personal, non-transferable, and must not be shared or made available to any third party. The Trader is solely responsible for maintaining the confidentiality of all credentials and for all activities conducted through the Dashboard or Trading Account. Finotive shall not be liable for any misuse of credentials or the Trading Account, nor for any losses arising from unauthorised use, where such misuse occurs for reasons beyond Finotive’s control.

6.4

The Trader acknowledges and agrees that all Trading Accounts operate under simulated trading conditions only. No trades are executed in live financial markets, and all funds displayed are notional. The Trader acquires no entitlement to any funds, profits, or withdrawals other than as expressly provided under these Terms or a Funded Trader Agreement.

6.5

All information provided by the Trader during registration and throughout the relationship must be complete, accurate, and up to date. The Trader must notify Finotive immediately of any changes by email from the registered address, providing supporting documentation where applicable. Finotive reserves the right to verify information at any time and may suspend or terminate the Services if inaccurate or misleading information is provided.

6.6

The Services, Dashboard, and Trading Account may be unavailable from time to time due to maintenance, upgrades, technical failures, or other reasons. Finotive shall not be liable for any unavailability, downtime, or interruption of the Services, nor for any resulting loss of data, trading activity, or functionality, except where liability cannot be excluded under applicable law.

For the avoidance of doubt, Finotive shall not be liable for:
a) any unavailability of the Trading Account, Dashboard, or Trading Platform;
b) any loss of or damage to data or content uploaded, transferred, or saved through the Services; or
c) any interventions or alterations in the Trading Account carried out by Finotive Markets LLC at the Trader’s request.

This limitation is without prejudice to the broader limitation of liability set out in Clause 22.

6.7

In order to access and use the Services, the Trader must obtain and maintain, at their own cost and risk, the necessary technical equipment (such as a computer or mobile device) and software (including third-party software such as the MT5 platform and operating system). Finotive does not warrant that the Services will be compatible with any specific equipment, device, or software.

6.8

The Trader shall not be entitled to any compensation, damages, or refunds arising from any interruption, suspension, or limitation of the Services, unless expressly provided for under these Terms. Any decision by Finotive to provide compensation shall be made entirely at Finotive’s sole discretion, including the form, timing, and amount of such compensation. Nothing in this clause shall affect or limit the broader exclusion and limitation of liability provisions set out in Clause 22 of these Terms.

6.9

Finotive Funding does not warrant or guarantee that the Services will be compatible with any specific equipment, operating system, or software. The Trader acknowledges that the Services may not function properly if their equipment, internet connection, or third-party software is inadequate, outdated, or defective. Finotive Funding shall have no liability for any malfunction, incompatibility, or other issues caused by the Trader’s technical setup or by the Trading Platform itself.

6.10

The Trader must at all times comply with the terms and conditions of the Trading Platform as imposed by Finotive Markets LLC and/or MetaQuotes. Such terms are incorporated by reference into this Agreement, and any breach thereof shall constitute a breach of these Terms.

6.11 Leverages and Margin Rates

Leverages and margin requirements are applied at Programme level and shall be as follows:

• Challenge Accounts: up to 1:100 leverage
• Pro Accounts (one-step and two-step): up to 1:50 leverage
• Instant Funding Accounts (Standard): up to 1:33 leverage
• Instant Funding Lite Accounts: up to 1:25 leverage

Finotive Markets LLC may, in its sole discretion, amend leverage or margin requirements at any time in response to prevailing market conditions, volatility, liquidity constraints, or other risk factors. Any such amendment shall take effect immediately upon notice via the Dashboard or email.

Traders must at all times monitor leverage updates and adjust their trading accordingly. Failure to comply with amended leverage or margin conditions may constitute a breach of these Terms and may result in immediate suspension or termination of the Account.

6.11A Internal Risk Management (Hedging)

Finotive may, at its sole discretion, hedge simulated trades in the live financial markets for internal risk management purposes. The Trader has no right, entitlement, or claim in respect of any such hedging activity, and payouts remain limited to those expressly provided under these Terms or a Funded Trader Agreement.

7. Rules

Trading Rules and Account Conduct This Section 7 governs all trading activity, account conduct, risk management obligations, and enforcement consequences applicable to Finotive Funding accounts. Where any provision of this Section 7 conflicts with any other document, including the Trader FAQ, this Section 7 prevails.

7.1 General Trading

All trading activity must adhere to responsible, risk-managed, and market-aligned standards. The following practices are strictly restricted and carry consequences ranging from payout reduction and rejection to account reset, termination, or enhanced KYC requirements.Key terms used throughout this Section 7, including Hard Breach, Soft Breach, Immediate Strike, and Warning-Based Strike, are defined in clause 1.2. Traders are encouraged to review those definitions before proceeding.

a) Bypassing allocation limits through multiple profiles, false details, or third-party arrangements. (Prohibited Behaviour / Strategy: see clause 7.2)

b) Opening or maintaining offsetting, hedged, or materially correlated positions across accounts. (Prohibited Behaviour / Strategy: see clause 7.2)

c) Reactive or loss-recovery trading indicative of gambling behaviour, including martingale-style position sizing, is prohibited. This includes re-entering the same symbol with cumulative volume increased by one hundred percent (100%) or more from the reference volume after a realised loss. This provision does not prohibit maintaining a directional bias where supported by a structured strategy. (Soft Breach — Warning-Based Strike: see clause 7.12.1)

d) Trading around high-impact economic news events classified as Red or Amber impact on the Forex Factory Calendar using asymmetric, straddled, or volatility-exploitative strategies designed solely to capture short-term price spikes or execution inefficiencies. Structured and risk-defined directional trading during news events is permitted. (Prohibited Behaviour / Strategy: see clause 7.8)

e) Use of unauthorised third-party services, including trade managers, challenge-passing services, copy-trading tools, signal providers, and Expert Advisors not developed, owned, and fully controlled by the Trader, unless expressly approved in writing by Finotive Funding. (Prohibited Behaviour / Strategy: see clause 7.9)

f) Engaging in latency-based, arbitrage, or execution-manipulation strategies, including exploiting price-feed discrepancies, trading on delayed or stale pricing, abusing execution latency or system timing, or any form of toxic flow designed to generate risk-free or near-risk-free profits. (Prohibited Behaviour / Strategy: see clause 7.10)

g) Scalping, where either (i) 40% or more of closed trades have a holding time of 120 seconds or less or (ii) 20% or more of total positive realised profit is generated from trades held for 120 seconds or less. (Soft Breach — Conditional Strike: see clause 7.12.3)

h) Excessive One-Sided Position Concentration is identified when, during a payout cycle, a trader has executed a minimum of ten (10) closed trades and either of the following conditions is met: (i) 70% or more of the closed trades are concentrated on the same symbol and in the same direction, or (ii) 70% or more of the total exposure is concentrated on the same symbol and in the same direction. (Soft Breach — Conditional Strike: see clause 7.12.4)

i) Inactivity for thirty (30) consecutive calendar days without executing any trade on the relevant account. This constitutes Prohibited Behaviour / Strategy. Finotive Funding will issue a notification to the Trader and thereafter, will permanently close the account. Any linked payout request will also be rejected. (Prohibited Behaviour / Strategy: see clause 7.15)

j) Misuse of swap-free (only if add on is purchased) accounts, including holding positions primarily to benefit from the absence of overnight financing costs, structuring trades to avoid negative swaps, or running any strategy that depends mainly on swap-free conditions rather than genuine market direction. For detection purposes, Finotive Funding may treat swap-free misuse as identified where a trader opens positions before the daily rollover period and closes them after the rollover period, and 50% or more of the trader’s realised profit during the review period or Payout Cycle is generated from such rollover-crossing trades, indicating that the strategy materially benefits from the absence of swap charges. (Prohibited Behaviour / Strategy: see clause 7.11)

k) Account access or usage anomalies, including shared account access, multiple accounts accessed from the same IP address or device, repeated IP or device overlap across accounts, and any coordination or collusion with other traders or third parties. (Enhanced KYC — Account placed under review: see clause 7.13)

l) Systematically targeting low-liquidity conditions, widened spreads, or execution inefficiencies is not permitted. A breach is identified where at least 20% of total realised profit in a review period or Payout Cycle is generated from trades opened and closed within the applicable low-liquidity window for the instrument traded. (Soft Breach — Conditional Strike: see clause 7.12.5)

m) High-frequency trading, where either (i) 30% or more of closed trades have a holding time of less than 60 seconds (with a minimum of ten (10) closed trades required before this criterion is assessed) or (ii) five (5) or more trades are opened within any 10-second interval. This rule applies to Instant Funding Standard and Instant Funding Lite accounts only. (Prohibited Behaviour / Strategy: see clause 7.12.6)

n) After each payout, per-cycle rules such as scalping restrictions, HFT limits, single trade profit caps, and trade dependency checks reset for the new payout cycle. However, your strike count carries forward and accumulates across all cycles.

o) During the manual review period you are allowed to close and manage existing open positions but you are not allowed to open any new position.

Finotive Funding reserves the right to assess both individual trades and the trader's overall conduct, strategy, and behavioral patterns when determining compliance with this clause 7.1.

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7.2 Multiple Accounts, Allocation, Hedging, and Coordination

The Trader may hold more than one Finotive Funding account, provided the maximum allocation limit for each programme is not exceeded. Once the allocation limit is reached, checkout will automatically block further purchases.

Copying trades across the Trader's own accounts is permitted. What is not permitted is using multiple accounts to hedge, offset, or neutralise exposure — and coordinating or mirroring trades with other users is prohibited entirely, regardless of how the arrangement is structured.

The following are strictly prohibited:

a) Bypassing allocation limits using multiple profiles, false details, or third parties.

b) Mirroring or coordinating trading across accounts held by different users.

c) Opening or maintaining offsetting, hedged, or materially correlated positions across one or more of your own accounts, designed to manipulate drawdown, equity, or performance metrics.

Consequences are as follows:

a) Bypassing allocation limits using multiple profiles, false details, or third parties constitutes Prohibited Behaviour / Strategy and If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

b) Coordinating or mirroring trading across accounts held by different users constitutes Prohibited Behaviour / Strategy. There is no warning stage. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

c) Opening or maintaining hedged, offsetting, or materially correlated multi-account structures constitutes Prohibited Behaviour / Strategy. There is no warning stage. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

Coordinated or mirrored trading is assessed by reference to symbols, direction, timing, size, and repeated patterns across accounts. Where there is more than 80% overlap in buy/sell exposure on the same symbol across two users, sustained over at least five (5) trades, Finotive Funding will treat this as coordinated or mirrored trading.

7.3 Daily Drawdown Rule

Daily drawdown limits restrict the maximum permitted loss that may be incurred within a single trading day. A trading day begins at 17:00:00 New York Time and ends at 16:59:59 New York Time the following day. At 17:00:00 New York Time each day, the daily drawdown threshold is recalculated based on the previous day's closing balance. Open equity and floating losses are included when assessing compliance with this rule.

Breach of the daily drawdown limit constitutes a Hard Breach and results in immediate account termination. There is no warning and no strike — just immediate closure.

The daily drawdown limits by account type are as follows:

Account Type	Daily Drawdown Limit
1-Step Challenge	4.0%
2-Step Challenge	4.5%
Instant Funding	3.5%
Instant Funding Lite	3.0%
Finotive Pro (One Step)	4.0%
Finotive Pro (Two Step)	5.0%

7.4 Max Drawdown Rule

The maximum drawdown rule restricts cumulative losses from the initial account balance. It is monitored in real time. The maximum drawdown is static and is calculated from the initial account balance — it does not trail upward with profits or adjust based on the highest account balance reached at any point.This means that even if the account grows significantly, the drawdown limit remains anchored to the original starting balance.

Note: Open equity and floating losses are included when assessing compliance with this rule.

Breach of the maximum drawdown limit constitutes a Hard Breach and results in immediate and irrevocable account termination. There is no warning and no strike — just immediate closure.

The maximum drawdown limits by account type are as follows:

Account Type	Max Drawdown Limit
1-Step Challenge	7.5%
2-Step Challenge	9%
Instant Funding	7.0%
Instant Funding Lite	6.0%
1-step Finotive Pro	8.0%
2-step Finotive Pro	10.0%

7.5 Notional Volume Limit

The maximum allowable Notional Volume of all open trades relative to account balance is between 1,000% and 5,000%, depending on account size. Traders must ensure that no individual trade or combined open exposure exceeds the permitted Notional Volume Limit applicable to their account. The Notional Volume Calculator in the Trader Dashboard provides real-time guidance on the maximum allowable position size.

The Table Below shows the Notional Exposure Limits:

Account Size	Notional Volume Limit	Max Exposure	Effective Leverage
$2,500	5000%	$125,000	100:1
$5,000	4000%	$200,000	100:1
$10,000	3000%	$300,000	100:1
$25,000	2500%	$625,000	100:1
$50,000	2000%	$1,000,000	100:1
$100,000	1250%	$1,250,000	100:1
$200,000	1000%	$2,000,000	100:1

Breach of the Notional Volume Limit is an Immediate Strike with no warning stage. Consequences are as follows:

a) Challenge Phase (Challenge or Pro): one (1) immediate Strike and an Account Reset. If the account balance is negative, the trader is required to return the account to a positive balance before a reset can be issued. Five (5) cumulative Strikes result in permanent account closure.

b) Funded Phase (Challenge or Pro): one (1) immediate Strike and a payout reduction to 10% for the relevant payout cycle, from the first confirmed breach onward. Five (5) cumulative Strikes result in permanent account closure.

c) Instant Funding: one (1) immediate Strike and a payout reduction to 10% for the relevant payout cycle, from the first confirmed breach onward. Five (5) cumulative strikes result in permanent account closure.

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7.6 Weekend Holding Rule (This clause 7.6 applies to Instant Funding accounts only.)

Weekend holding on Instant Funding accounts is not permitted by default. Traders must close all non-crypto positions before the Friday market closes at 17:00:00 New York Time, unless the Weekend Holding Add-On is active on their account.

Traders without the Weekend Holding Add-On will receive an automatic reminder one hour before market close and are advised to close all non-crypto positions at least ten (10) minutes before the cutoff to mitigate potential liquidity and execution risks. It remains the Trader's sole responsibility to ensure all positions are closed in time.

Where the Weekend Holding Add-On is active, Traders may hold positions through market close and into the weekend, subject to all other applicable conditions.

Compliance is assessed at 17:00:00 New York Time on Friday. Any non-crypto position remaining open beyond this cutoff without the required add-on constitutes a breach.

Breach of this rule constitutes a Soft Breach — Immediate Strike, as each confirmed breach results in one (1) Strike and a payout reduction to 10% for the relevant Payout Cycle. Five (5) cumulative Strikes result in permanent account closure.

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7.7 Floating Drawdown Rule

Floating Drawdown is the unrealised loss on one or more open positions on the same symbol, measured as a percentage of the Initial Account Balance. Because the trade is still open, the loss is not final — it can recover or worsen as the market moves. Once the trade is closed, the loss becomes realised and final.

7.7.1 Instant Funding Accounts

Floating drawdown on Instant Funding accounts is monitored on a combined basis per symbol and is calculated as the unrealised loss expressed as a percentage of the Initial Account Balance. This means all open positions on the same symbol are combined when measuring floating drawdown; it is not assessed per individual trade in isolation.

The floating drawdown threshold is 1.5% of the Initial Account Balance, measured on a combined basis per symbol.

When floating drawdown reaches 1% an early soft reminder/warning is issued for instant funding to give traders a heads-up before the threshold is reached.

Where a position reaches or exceeds the 1.5% threshold for the first time on an account, a formal warning is issued. No strike is applied at this stage.

Following a formal warning, each subsequent separate qualifying event — being a new position on a separate trade or instrument reaching or exceeding the 1.5% threshold — results in one (1) Strike and a payout reduction to 10% for the relevant Payout Cycle.

Only one (1) Strike may be issued per trade or instrument. A continued drawdown beyond the 1.5% threshold on the same open position does not result in additional strikes. A new Strike may only be triggered by a new breach on a separate trade or instrument.

Five (5) cumulative Strikes result in permanent account closure.

7.7.2 Challenge Phase

The floating drawdown threshold during the Challenge Phase is 2.0% of the Initial Account Balance, measured on a combined basis per symbol.

Reaching the 2.0% threshold during the Challenge Phase does not result in a Strike, Account Reset, payout reduction, or account termination. It is a transparency and soft-warning measure only. The Trader may receive an email, dashboard notification, or platform notification. Unlimited soft warnings may be issued in the Challenge or Pro Challenge Phase with no further consequence.

7.7.3 Funded Phase

Once an account reaches Funded Status, the 2.0% floating drawdown threshold is enforced with immediate effect. When floating drawdown reaches 1.5% an early soft reminder/warning is issued to give the trader a heads-up before the breach threshold is reached Where a position reaches or exceeds the 2% threshold it results in one (1) Strike and a payout reduction to 10% for the relevant Payout Cycle, from the first funded breach onward.

Only one (1) Strike may be issued per trade and instrument combination. Continued drawdown on the same open position does not generate additional Strikes. A new Strike may only be triggered by a new breach on a separate trade or instrument.

Five (5) cumulative Strikes result in permanent account closure.

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7.8 News Straddling

Trading during high-impact economic news events is permitted, provided the strategy reflects a genuine market view and is not designed solely to exploit volatility or execution conditions.

Traders must not place straddled positions on the same or a correlated instrument within 15 minutes before or after a Red or Amber event on the Forex Factory Calendar, earnings calendar and geopolitical news events. Straddled positions mean placing opposing exposure, or equivalent hedged exposure through the same or correlated instruments, around a news event in order to capture volatility rather than trade a genuine directional view.

News straddling is prohibited behaviour. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

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7.9 Third-Party Tools, Signal Services, Trade Copiers, and Expert Advisors

7.9.1 Permitted Use of Trade Copier Tools

Traders may use commercial trade copier tools to copy their own trades between accounts, including from an external broker or prop firm account into a Finotive Funding account, provided that the master account, trading strategy, and trading decisions are genuinely owned and controlled by the Trader.

Finotive Funding may request verification at any time to confirm ownership and control of the master account, copier setup, and trading strategy. This may include Enhanced KYC, a compliance interview, or a live demonstration showing access to the master account and copier configuration.

7.9.2 Prohibited Third-Party Use

The following constitute Prohibited Behaviour / Strategy:

a) Copying trades from third-party accounts or shared master accounts

b) Using signal providers, account managers, or challenge-passing services

c) Allowing any external person, group, or service to control or direct trading activity

d) Using trade-copying arrangements where the Trader cannot prove ownership and control of the master account or strategy

e) Using Expert Advisors or automated strategies not genuinely owned and controlled by the Trader

Where activity of this nature is detected by our automated monitoring systems, the trader will be required to submit verification documents establishing ownership and control. A compliance interview may also be scheduled where further evidence or clarification is required. The case will be referred to our Risk & Compliance team for a full review, and the final decision and outcome will be communicated to the trader by email.

7.9.3 Self-Developed Expert Advisors

Only Expert Advisors that are genuinely developed, owned, and fully controlled by the Trader may be used. Finotive Funding may request approval, verification, strategy explanation, or a compliance interview where required.

Failure to cooperate with verification, or evidence that the EA is not genuinely owned and controlled by the Trader, may result in account closure and payout rejection.

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7.10 Latency Arbitrage and Execution Abuse

Trading activity that repeatedly exploits delayed prices, stale quotes, out-of-sync prices, feed discrepancies, order-processing delays, or infrastructure inefficiencies is prohibited. This includes exploiting price-feed discrepancies, trading on delayed or stale pricing, abusing execution latency or system timing, or any form of toxic flow designed to generate risk-free or near-risk-free profits.

Assessment of this rule may include analysis of execution timestamps, prevailing market quotes, price deviation, slippage asymmetry, and how often it occurs. Indicators that may trigger review include:

• 30% or more of trades are affected by negative slippage
• 30% or more of total realised profit — or at least 0.5% of initial capital — is earned during quote absence or delayed-price conditions

Latency arbitrage or execution abuse is Prohibited Behaviour / Strategy. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

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7.11 Swap-Free Account Misuse (ONLY FOR TRADERS PURCHASING SWAP FREE ACCOUNT)

Swap-free accounts are available for traders who require them. However, they must be used for genuine directional trading — not primarily to avoid overnight financing costs.

Traders must not hold positions primarily to benefit from the absence of overnight financing costs, maintain trades that rely on swap-free conditions to remain profitable, or generate profit from trades that would be loss-making or materially less profitable on a standard swap-charging account. If more than 50% of profit comes from trades that only work because there is no swap charge, this falls under prohibited trading behaviour.

Example: If a Trader consistently opens positions within 4 hours before the 22:00 UTC daily rollover and closes them at least 4 hours after rollover, and more than 50% of realised profit in the payout cycle comes from those rollover-crossing trades, this will be treated as swap-free misuse regardless of the direction or instrument traded.

Note: The above example is illustrative only and does not limit the scope of the rule.

Swap-free misuse is Prohibited Behaviour / Strategy. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to you via email.

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7.12 Gambling and Speculative Behaviour

Finotive Funding will assess overall trading behaviour when determining whether conduct falls within this clause 7.12. Each sub-rule listed below has its own consequences .

7.12.1 Martingale and Realised-Loss Recovery Trading

Martingale-style trading and prohibited realised-loss recovery are not allowed.

The rule is assessed on a two-trade basis on the same symbol:

a) First trade: The Trader closes a position, or a group of positions, with a cumulative realised loss. The total closed volume becomes the reference volume.

b) Second trade: The Trader subsequently opens a new position, or a group of positions, on the same symbol.

A breach occurs where the cumulative volume of the second trade is increased by one hundred percent (100%) or more from the reference volume. The cumulative volume of the second trade must therefore remain below a one hundred percent (100%) increase from the reference volume.

Where positions are opened or closed in multiple parts, their volumes and realised results are calculated cumulatively. The direction and financial result of the second trade do not affect the assessment.

The sequence resets at 17:00 New York Time each trading day. However, any open trades are carried forward into the next trading day for assessment.

Example: If the first trade closes at a loss with a reference volume of 1.00 lot, the cumulative volume of the second trade must remain below 2.00 lots. A cumulative volume of 2.00 lots or more constitutes a breach.

Consequences by account type are as follows:

a) Challenge and Pro Challenge Phase: Soft warning only.

b) Funded Challenge and Funded Pro: Each confirmed breach results in one (1) Strike and a payout reduction to 10% from the first funded breach onward.

c) Instant Funding: The first confirmed breach results in a Formal Warning only. From the second confirmed breach onward, each breach results in one (1) Strike and a payout reduction to 10% for that Payout Cycle.

Five (5) cumulative Strikes result in permanent account closure.

7.12.2 Disproportionate Single-Trade Profit Dependency (Instant Funding Standard and Instant Funding Lite accounts Only)

A breach is identified where, within a Payout Cycle, the single most profitable closed trade contributes 60% or more of the Trader’s total positive realised profit. This rule is assessed at payout time only, although a dashboard indicator may appear before the payout request to notify the trader of possible single-trade profit dependency.

Example: If a trader closes 10 trades in a payout cycle with a total positive realised profit of $1,000. The single most profitable trade made $650, representing 65% of the total cycle profit. This would constitute a breach of this rule.

Note: The above example is illustrative only and does not limit the scope of the rule.

Consequence

A real-time dashboard warning will be provided to help traders monitor the condition. A pop-up confirmation will also appear at the payout request stage before proceeding. Traders will be allowed to continue trading to reverse the condition. However, if a payout request is submitted while the condition remains active, a conditional strike will be applied from the first breach and payout will be reduced to 10%.

This rule is not a general consistency requirement. A single large winning trade is not automatically prohibited; however, where the payout cycle profit is materially dependent on one trade outcome, Finotive Funding may treat this as disproportionate single-trade profit dependency.

Note: Five (5) cumulative Strikes result in permanent account closure.

7.12.3 Scalping (All Accounts Types)

Scalping is not allowed on any account type and is identified where either (i) 40% or more of closed trades have a holding time of 120 seconds or less or (ii) 20% or more of total positive realised profit is generated from trades held for 120 seconds or less.

Consequences by account type are as follows:

A real time dashboard warning is provided to help traders monitor the condition.

In the challenge and Pro Challenge phase this rule only contains the soft warning.

In the Funded Challenge, Funded Pro and Instant accounts a popup confirmation will appear at the payout request stage before proceeding if this condition is met. Traders may continue trading in an attempt to reverse the condition prior to submitting a payout request. However, if a payout request is submitted while the condition remains active, a conditional strike will be applied from the first breach and payout will be reduced to 10%.

Note: Five (5) cumulative Strikes result in permanent account closure.

7.12.4 Excessive One-Sided Symbol Concentration (All Accounts Types)

Excessive One-Sided Symbol Concentration is not allowed on any account type. A breach is identified where the trader has executed at least ten (10) closed trades and either (i) 70% or more of those closed trades are on the same symbol and in the same direction, or (ii) 70% or more of the trader’s total exposure is on the same symbol and in the same direction

The real-time dashboard tracks whether your account is becoming excessively concentrated in the same direction on the same symbol, displayed under the Most-Exposed Direction metric to help traders monitor this condition.

Consequences by account type are as follows:

A real time dashboard warning is provided to help traders monitor the condition.

In the challenge and Pro Challenge phase this rule only contains the soft warning.

In the Funded Challenge, Funded Pro and Instant accounts a popup confirmation will appear at the payout request stage before proceeding if this condition is met. Traders may continue trading in an attempt to reverse the condition prior to submitting a payout request. However, if a payout request is submitted while the condition remains active, a conditional strike will be applied from the first breach and payout will be reduced to 10%.

Note: Five (5) cumulative Strikes result in permanent account closure.

7.12.5 Liquidity Abuse (All Accounts Types)

A confirmed breach is identified where traders are systematically targeting low-liquidity conditions, widened spreads, or execution inefficiencies is not permitted. A breach is identified where at least 20% of total realised profit in a review period or Payout Cycle is generated from trades opened and closed within the following windows:

Global instruments: 22:00:00 – 01:59:59 UTC

Asian instruments (e.g. Hang Seng Index, Nikkei): 22:00:00 – 00:59:59 UTC

Each window is assessed independently based on the instrument traded in a review period or Payout Cycle, constitutes a soft breach.

Consequences by account type are as follows:

A real time dashboard warning is provided to help traders monitor the condition.

In the challenge and Pro Challenge phase this rule only contains the soft warning.

In the Funded Challenge, Funded Pro and Instant accounts a popup confirmation will appear at the payout request stage before proceeding if this condition is met. Traders may continue trading in an attempt to reverse the condition prior to submitting a payout request. However, if a payout request is submitted while the condition remains active, a conditional strike will be applied from the first breach and payout will be reduced to 10%.

Note: Five (5) cumulative Strikes result in permanent account closure.

7.12.6 High-Frequency Trading (Instant Funding Accounts Only)

High-frequency trading is prohibited on all Instant Funding accounts. A breach is identified where either (i) 30% or more of closed trades have a holding time of less than 60 seconds, with a minimum of ten (10) closed trades required before this criterion is assessed, or (ii) five (5) or more trades are opened within any 10-second interval.

High-frequency trading constitutes Prohibited Behaviour / Strategy. If detected by our automated monitoring systems, the case will be referred to the Risk and Compliance team for review. The review process will be completed within 24 working hours, and the final decision and outcome will be communicated to traders via email.

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7.13 IP, Device, Login, and Location Monitoring / Enhanced KYC

Finotive Funding may monitor IP addresses, device identifiers, login timestamps, and location data to detect account sharing, coordinated trading, cross-account abuse, and suspicious or inconsistent login behaviour.

Behaviours that may trigger review or enhanced KYC include: one account being accessed from multiple IP addresses, devices, or locations; multiple accounts being accessed from the same IP address, device, or network; repeated overlap across two or more accounts; login activity inconsistent with normal use or realistic travel; and logins from geographically distant locations within an unrealistic timeframe.

Where account access patterns raise a reasonable concern about identity, account control, or compliance, Finotive Funding may require the Trader to complete enhanced Know Your Customer (KYC) verification. This may include additional identity or address verification, proof of location, source-of-device confirmation, or similar checks.

Use of VPNs, proxies, remote desktops, or similar tools that obscure the trader's true location are not allowed. If KYC is submitted while connected to a VPN or proxy, the account may be closed. Traders must always submit KYC on a direct, unmasked connection.

The Trader must complete any enhanced KYC request within 72 hours of the initial Enhanced KYC email, unless a different written deadline is specified. During the review period, Finotive Funding may temporarily restrict or suspend account access and will not process any payout request until the enhanced KYC is cleared.

Failure to complete enhanced KYC within 72 hours, failure to book or attend a required compliance interview within 72 hours, failure of a required compliance interview, or failure to satisfactorily explain trading strategy or account access will result in immediate account closure and payout rejection. Also in severe breaches, a permanent ban will be imposed (based on risk and compliance team review) from all Finotive Funding products and services. Where the review resolves satisfactorily, ordinary account access and payout eligibility will resume.

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7.14 Strike System

The strikes are issued against the soft breaches. The Strike System tracks cumulative rule violations on each account. Strikes are recorded against the relevant account, displayed in the Trader Dashboard, and notified by email. Five (5) cumulative Strikes on any account type will result in permanent account closure and payout rejection. Where any Strike, including a Conditional Strike triggered at payout request, would bring the account to five cumulative Strikes, the five-strike Hard Breach outcome applies immediately. In that case, the account will be permanently closed and no payout, reduced payout, withdrawal, or profit split will be issued for that cycle.

There are three types of strikes:

-Soft Breach — Immediate Strike: A rule category where no warning stage applies. Once a breach is confirmed, a strike is recorded immediately. There is no Early Soft Warning and no Formal Warning at any stage. The consequence that follows the strike depends on the rule and account stage & type.

-Soft Breach — Warning-Based Strike: A rule category where a warning is issued before any strike is recorded. The pathway is graduated. It begins with a warning, and a strike is only recorded upon a further confirmed breach.

-Soft Breach — Conditional Strike: A rule category where a breach is identified, but no strike is recorded automatically. The trader is notified of the condition and permitted to continue trading to reverse it. A strike is only applied if the trader submits a payout request while the condition remains unresolved. If the condition is reversed through further trading before a payout is requested, no consequence applies.

Strike consequences by account phase:

Strike Type	Challenge & Pro (Challenge Phase)	Challenge & Pro (Funded Phase)	Instant Accounts
Immediate Strike	Account Reset	1 Strike and Payout reduction to 10%	1 Strike and Payout reduction to 10%
Warning Based Strike	Soft Warning Only	1 Strike and Payout reduction to 10%	1st Breach – Formal Warning 2nd Breach – 1 Strike and Payout reduction to 10%
Conditional Strike	Soft Warning Only	If condition not reversed and payout is requested: 1 Strike and Payout reduction to 10%	If condition not reversed and payout is requested: 1 Strike and Payout reduction to 10%

Important: the 10% payout reduction only applies where the resulting cumulative Strike count remains below five. If the Strike would take the account to five cumulative Strikes, no payout is issued and the account is permanently closed.

Strike history is cleared when a Challenge or Pro account reaches Funded Status, provided five Strikes have not already been accumulated.

Appeals must be submitted within 48 hours of the enforcement action by contacting the Risk Desk. Appeals are only accepted where there is a clear and demonstrable data or pricing error. Disagreement with the rule itself, or with how the rule is applied, is not a valid basis for appeal.

In any Payout Cycle in which a Strike has been issued, the Trader must withdraw the full available amount for that cycle. Partial withdrawal is not permitted. The applicable payout reduction applies to that full withdrawal amount.

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7.15 Inactivity

Inactivity is defined as thirty (30) consecutive calendar days without the execution of a trade on the relevant account.

Inactivity falls under Prohibited Behaviour / Strategy. When an account reaches the thirty (30) day inactivity threshold, Finotive Funding will issue a notification to the Trader and the account will be permanently closed. There is no warning or strike pathway. Where a payout request is linked to an account subject to inactivity enforcement, that request will also be rejected.

7.16 Finotive Pro — Consistency and Profitability Rules

This clause 7.16 applies to Finotive Pro funded accounts only.

Trade Consistency Rule. Beginning on the thirty-first (31st) day of Funded Status, and thereafter on a rolling seven-day basis, the Trader's weekly trade count and instrument volumes must remain within ±25% of the averages recorded during both the Challenge Phase and the first thirty (30) days of funded status. This rule takes effect from day 31 of Funded Status. Breach of this rule at the end of the relevant seven-day period results in an Account Downgrade.

Quarterly Profitability Rule. Within each rolling ninety-day period, the Trader must generate a combined realised and unrealised profit of at least five percent (5%) of the Initial Account Balance — including realised payouts and any unrealised profit or loss. Breach at the end of the relevant ninety-day period results in an Account Downgrade.

Breach of either rule results in the automatic and immediate Account Downgrade of the Pro account to the equivalent standard funded challenge account. All Pro-specific benefits including the 100% profit split and any other Pro perks are permanently removed and cannot be reinstated on that account. The downgrade takes effect immediately and without further notice.

7.17 Minimum Profitable Days

In order to progress through a Challenge stage, request a payout, or request account scaling, the Trader must complete the minimum number of profitable trading days required for the relevant account type and stage.

Number of Minimum Profitable days by account type are as follows:

Account Type	Number of Minimum Profitable Days
1-Step Challenge	3 profitable days
2-Step Challenge	2 profitable days
1-Step Pro	3 profitable days
2-Step Pro	2 profitable days
Instant Funding Lite	5 profitable trading days
Instant Standard	0 Days

A profitable day is a trading day in which the Trader's account balance at 17:00:00 New York Time exceeds the previous trading day's closing balance by at least 0.5% of the Initial Account Balance. Profitability is calculated on account balance and is measured from 17:00:00 New York Time to 16:59:59 New York Time the following day.

Profitable days are confirmed once the full trading day has ended, except that the final required profitable day may be fast-tracked: if the profit target is achieved intraday, the Trader may close all positions and immediately progress without waiting for the end of the day.

Completing the minimum profitable days requirement does not override or accelerate any applicable payout frequency timer. Where profitable days are completed before the cooldown expires, the Trader may pause trading and return to request a payout after the cooldown.

Failure to meet this requirement prevents the Trader from progressing in the Challenge, requesting a payout, or requesting account scaling until the requirement is met. Progress toward the minimum profitable days requirement is displayed in the Trader Dashboard.

7.18 Account Refresh and Account Reset

Account Refresh. A paid option that allows a Trader to voluntarily restart a funded account under fresh conditions, provided the account is still active and within the maximum drawdown limit. A Refresh may be requested where the funded Challenge account is still active and within 10% of the maximum drawdown threshold.

Account Reset. An Account Reset returns the account to its original starting balance and resets all relevant performance metrics, starting a new trading period. Under these rules, a Reset is primarily used when the Notional Volume limit is breached during the Challenge Phase. If the account balance is negative at the time a Reset would otherwise apply, the Reset is placed on hold until the Trader has returned the balance to at least break-even. Finotive Funding may also refuse or suspend a reset request if repeated resets show abusive, highly speculative, or non-replicable trading behaviour.

Note: Profit targets, drawdown calculations, and minimum profitable days are recalculated from scratch when an account undergoes a Refresh or Reset

7.19 Enforcement, Retrospection, and General Provisions

Retrospective Enforcement: Breaches may be enforced retrospectively if discovered after the relevant event, including after a payout has already been processed. Finotive Funding may reverse any payout or reclaim any scaling benefits previously credited as a result of breached activity.

Rule Modifications: Finotive Funding reserves the right to modify this Section 7 at any time, with or without prior notice. Modifications take immediate effect upon publication.

Permanent Ban: Where a Trader poses a material financial or reputational risk to Finotive Funding, the Trader may be permanently banned from all Finotive Funding products and services.

7.20 Consequence Summary

The tables below summarise the enforcement pathways for each rule. Where a Hard Breach applies, the Hard Breach outcome prevails over all other consequences. An Early Soft Warning is informational only and does not constitute a Strike. These tables are a summary only — the full rule provisions in clauses 7.1 to 7.19 govern in all cases of conflict or ambiguity.

7.20.1 Soft Breach — Immediate Strike

Rule	Consequence
Notional Volume	Challenge Phase: Account Reset. Funded & Instant Funding: Each confirmed breach = one (1) Strike + 10% payout reduction. Five (5) cumulative Strikes = permanent account closure.
Weekend Holding without Add-On (Instant Accounts only)	Each confirmed breach = one (1) Strike + 10% payout reduction for the relevant cycle. Five (5) cumulative Strikes = permanent account closure.

7.20.2 Soft Breach — Warning-Based Strike

Rule	Notes
Floating Drawdown	Challenge and Pro Challenge Phase: Soft warning or notification only at the threshold. Instant Funding: Formal Warning on 1st breach; Strike + 10% from 2nd breach. Funded Phase: Strike + 10% from the first funded breach onward.
Martingale and Realised-Loss Recovery Trading	Challenge Phase: soft warning or notification only at the threshold. Funded Phase— Challenge and Pro Accounts: Each confirmed breach results in one (1) Strike and a payout reduction to 10% from the first funded breach onward. Instant Funding: The first confirmed breach results in a Formal Warning only. From the second confirmed breach onward, each breach results in one (1) Strike and a payout reduction to 10% for that Payout Cycle.

7.20.3 Soft Breach — Conditional Strike

Rule	Consequence
Scalping (All Account Types)	Challenge Phase: Soft warning only with no consequence. Funded & Instant Funding: If the trader chooses to proceed with the payout request without reversing the condition, 1 conditional strike will be recorded, and the payout for that cycle will be reduced to 10%.
Disproportionate Single-Trade Profit Dependency (Instant Funding Standard and Instant Funding Lite only)	If the trader chooses to proceed with the payout request without reversing the condition, 1 conditional strike will be recorded, and the payout for that cycle will be reduced to 10%.
Excessive One Sided - Position Concentration	Challenge Phase: Soft warning only with no consequence. Funded & Instant Funding: If the trader chooses to proceed with the payout request without reversing the condition, 1 conditional strike will be recorded, and the payout for that cycle will be reduced to 10%.
Liquidity Abuse	Challenge Phase: Soft warning only with no consequence. Funded & Instant Funding: If the trader chooses to proceed with the payout request without reversing the condition, 1 conditional strike will be recorded, and the payout for that cycle will be reduced to 10%.

If proceeding with a payout request while a conditional rule remains unresolved would bring the account to five cumulative Strikes, the 10% reduced payout will not be issued. The account will be permanently closed under the five-strike Hard Breach rule.

7.20.4 Hard Breach — Immediate Account Closure

These rules constitute a Hard Breach and result in immediate account closure if confirmed.

Rule	Outcome
Daily Drawdown breach	Immediate account closure.
Maximum Drawdown breach	Immediate and permanent account closure.
Strike accumulation (5 cumulative Strikes)	Permanent account closure. No payout, reduced payout, pending withdrawal, or profit split will be issued.

7.20.5 Prohibited Behaviour / Strategy

Rule	Outcome
News straddling (Red / Amber events)	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Latency arbitrage or execution abuse	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Swap-free misuse	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
High-frequency trading (Instant Funding accounts)	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Inactivity (30 consecutive calendar days)	Account closed following notification. Any associated payout requests will also be rejected.
Bypassing allocation limits (false details / third parties)	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Hedging / offsetting / correlated multi-account structures	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Coordinated / mirrored trading across different users	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.
Unauthorised third-party tools, signal, or pass services	Detected cases are referred to the Risk and Compliance team. A decision will be made and communicated within 24 working hours.

7.20.6 Enhanced KYC — Review and Suspension

Trigger	Notes
IP / device / login / location anomalies	Account placed under review; payouts paused until resolved. Failure to complete Enhanced KYC within 72 hours, failure to attend a required interview, or failure to cooperate may result in account closure.
Self-developed EA detected without required approval or cooperation	If review shows the tool is not genuinely yours or falls within a prohibited category, the Prohibited Behaviour / Strategy outcome in clause 7.9.3 applies: immediate account closure and payout rejection.

7.20.7 Pro Account — Consistency and Profitability Breach

Trigger	Outcome
Consistency Rule or Quarterly Profitability Rule breach — Pro Account	Account is downgraded to the equivalent standard funded Challenge account. All Pro-specific benefits, including the 100% profit split, are permanently removed.

7.20.8 Minimum Profitable Days

Trigger	Outcome
Minimum Profitable Days not met	No progression, payout request, or scaling request is permitted until the requirement is met.

Governing provision. This Section 7 is the governing contractual document. In the event of any inconsistency between this Section 7 and any other document, including the Trader FAQ or any platform notification, this Section 7 prevails.

8. Challenge Accounts

8.1 Fees

a) Challenge Accounts are available in either a one-step or two-step format and may be denominated in USD, EUR, or GBP (or such other currencies as Finotive may introduce from time to time).

b) The applicable fee for each account type and size shall be as published on the Website or Trader Dashboard at the time of purchase. All fees are payable in advance and must be settled in full before access to the relevant Challenge Account is granted.

c) A refund shall only be granted where the Trader has achieved Funded Status and the Account remains profitable on the thirtieth (30th) day following the grant of Funded Status. Refunds are processed automatically by Finotive Funding and shall be returned solely to the original payment method used. Refund entitlement is not contingent on the Trader requesting or receiving a payout, including the first payout, and shall be void in the event of any Hard Breach, fraudulent activity, or breach of these Terms prior to the refund date.

d) Where a refund is granted, it shall be returned solely to the original payment method used. Refunds are not contingent on the Trader requesting or receiving a first payout; the entitlement arises solely upon satisfaction of the conditions in sub-clause (c).

e) Finotive shall have no obligation to provide a refund in any other circumstances, including where an Account is suspended or terminated due to a Hard Breach, Soft Breach, or voluntary closure by the Trader.

f) Finotive reserves the right to amend the fees for any account type or size at its sole discretion. Any such change shall not affect purchases already completed but shall apply prospectively to all new purchases from the date of publication on the Website or Dashboard.

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8.2 Objectives

During each stage of the Challenge, the Trader’s objective is to achieve the specified profit target and to comply with all applicable rules set out in Section 7, including the Minimum Profitable Days Rule.

Account Type	Phase 1 Target	Phase 2 Target
1-Step Challenge	10%	N/A
2-Step Challenge	7.5%	5.0%

Upon achieving the profit target with all positions closed, and provided the Minimum Profitable Days requirement has been met, the Trader may select “Progress to the next stage” within the Dashboard. Finotive will then review the account for compliance with these Terms. Progression shall only be granted if all applicable requirements are satisfied.

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8.3 Withdrawing Virtual Profits

a) A Trader who has achieved Funded Status may request withdrawal of simulated profits, subject always to the following conditions:
i. For 1-Step Challenge-Funded Accounts, the minimum withdrawal amount is one percent (1%) of the Initial Account Balance, capped at USD 100. Accordingly, the minimum required payout request amount is the lower of: (a) one percent (1%) of the Initial Account Balance; or (b) USD 100. No minimum payout request requirement applies to 2-Step Challenge-Funded Accounts;
ii. a minimum cooldown period of seven (7) calendar days between successive withdrawal requests depending on account type;
iii. full compliance with all requirements of Section 7, including the Minimum Profitable Days Rule;
iv. completion of all required verification and KYC procedures to Finotive’s satisfaction; and
v. all open positions must be closed prior to submitting a withdrawal request. The Open Position Breach Carryover Rule applies.

b) Where an Account is suspended or terminated due to a Hard Breach or Soft Breach, any unwithdrawn simulated profits shall be irrevocably forfeited without compensation.

c) Finotive may, in its sole discretion, require the Trader to make a mandatory withdrawal of all accumulated simulated profits in full. Following such withdrawal, Finotive may reset, suspend, or permanently close the Account at its discretion. Profits withdrawn under this provision are deemed permanently forfeited for scaling purposes.

e) The standard Profit Split rate is eighty percent (80%) for all Challenge Accounts, with potential increases available through the Scaling Plan up to a maximum of ninety-five percent (95%), subject always to promotional offers or coupon codes explicitly published by Finotive.

f) Finotive reserves the right to withhold or adjust any payout where it reasonably believes that trading activity was inconsistent with responsible risk management, breached the requirements of these Terms, or otherwise circumvented the intended operation of the Services.

8.4 Account Scaling

a) A Trader who has achieved and maintained Funded Status may, subject to compliance with these Terms, elect to increase the notional balance of their Challenge Account through the Scaling Plan.

b) Scaling shall be assessed on a rolling ninety (90) calendar day basis (a “Scaling Cycle”), commencing from the date the Trader achieves Funded Status, and continuing thereafter in successive ninety-day periods.

c) A Scaling Cycle will be deemed successful only where all of the following conditions are satisfied:
i. The Trader has executed a minimum of fifty (50) individual trades during the Scaling Cycle;
ii. No more than seven point five percent (7.5%) of the Trader’s total net profit during the Scaling Cycle is derived from any single trade;
iii. The Trader has achieved the applicable 90-day profit target for their account type as follows:

• 1-Step Challenge – 12%
• 2-Step Challenge – 10%
• Instant Funding – 15%
• Instant Funding Lite – 15%
• 1-Step Pro – 12%
• 2-Step Pro – 10%

iv. The Trader has complied with the consistency requirement: at least two (2) of three (3) months profitable for Challenge Accounts; all three (3) months profitable for Instant Funding, Lite, and Pro;
v. The Trader has fully complied with all rules set out in Section 7

d) Where the above requirements are satisfied, Finotive shall, at its discretion, increase the Trader’s notional account balance and adjust the Profit Split in the Trader’s favour by an additional five percent (5%) for the next Scaling Cycle, subject always to an overall maximum Profit Split of ninety-five percent (95%).

e) Withdrawals of simulated profits during a Scaling Cycle shall not constitute a waiver of scaling eligibility. All withdrawals shall continue to be included in the calculation of overall account profitability for the relevant Scaling Cycle. Scaling progression shall be determined on the basis of net account performance, irrespective of whether profits have been withdrawn. For the avoidance of doubt, Traders remain entitled to withdraw simulated profits at any time without forfeiting or resetting their right to participate in the Scaling Plan.

f) Finotive reserves the right to verify all trading activity prior to approving scaling, and may decline, suspend, or revoke a scaling adjustment where, in its reasonable opinion, the trading activity is inconsistent with responsible risk management or the objectives of the Scaling Plan.

g) Updated scaling schedules and account size progressions shall be published on the Trader Dashboard. Finotive may amend the published schedule at its sole discretion, provided that no amendment shall operate retrospectively to deprive a Trader of a scaling benefit already validly earned.

Scaling Progression Schedule (for clarity and enforceability):

• 1-Step Challenge Accounts: Balance progression increases by 30% per successful Scaling Cycle, subject to a maximum scaled balance of USD $680,000. Profit Split increases in 5% increments per cycle, capped at 95%.
• 2-Step Challenge Accounts: Balance progression increases by 30% per successful Scaling Cycle, subject to a maximum scaled balance of USD $680,000. Profit Split increases in 5% increments per cycle, capped at 95%.
• Pro Accounts (1-Step and 2-Step): Balance progression increases by 30% per successful Scaling Cycle, subject to a maximum scaled balance of USD $680,000. The Profit Split remains fixed at 100%. For 2-Step Pro, salary increments may also apply in accordance with the published schedule.
• Instant Funding (Standard): Balance progression increases by 30% per successful Scaling Cycle, subject to a maximum scaled balance of USD $340,000. Profit Split increases in 5% increments per cycle, capped at 90%.
• Instant Funding Lite: Balance progression increases by 30% per successful Scaling Cycle, subject to a maximum scaled balance of USD $340,000. Profit Split increases in 5% increments per cycle, capped at 85%.

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8.5 Account Refresh

a) Finotive may, at its sole discretion, permit a Trader to refresh a Funded Challenge Account (funded phase only) or Pro Account (funded phase only) three times per funded account, provided the Account is within ten percent (10%) of its maximum drawdown when the refresh is requested.

b) A refresh shall only be granted upon payment of the published refresh fee and shall reset the account balance for performance evaluation.

c) Upon payment of the refresh fee in accordance with sub-clause (a), any carried-forward losses shall be deemed extinguished and shall not reduce or offset future payouts. Following a refresh, the Trader shall resume trading with a reset account balance, and the applicable Profit Split shall continue without interruption.

d) For One / Two-Step Challenge or Pro Accounts in the funded phase, when the Account’s drawdown is within ten percent (10%) of the applicable Maximum Drawdown, a “Refresh” option will be made available in the Trader Dashboard. The Trader must submit the refresh via the Dashboard; email requests will not be actioned.

e) Following a refresh, the Account balance will be reset either to the initial deposit amount or, where applicable, to the last scaled stage amount.

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9. Instant Funding Accounts

9.1 Fees

a) Instant Funding Accounts are available in either Standard or Lite format, denominated in USD, EUR, or GBP (or such other currencies as Finotive may introduce).

b) The applicable fee for each account type and size shall be as published on the Website or Trader Dashboard at the time of purchase. All fees are payable in advance and must be settled in full before access is granted.

c) All fees are final and non-refundable under all circumstances, including where the Account is suspended, terminated, or closed due to breach. For clarity, there is no statutory cooling-off period applicable to these Services. Refunds are only available under Finotive’s own Cooling-Off Period as set out in Clause 12.2, and Traders expressly waive any other right or claim to refunds for Instant Funding fees.

d) Where payment is made in a currency other than the selected denomination, any exchange or conversion costs are the sole responsibility of the Trader.

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9.2 Objectives

Instant Funding Accounts have no staged phases or profit targets. The Trader’s sole obligation is to trade in compliance with the rules set out in Section 7, including the Minimum Profitable Days Rule.

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9.3 Withdrawing Virtual Profits

a) Upon purchasing an Instant Funding Account, the Trader may request withdrawal of simulated profits immediately, subject to:
i. A minimum withdrawal amount of one percent (1%) of the Initial Account Balance applies to all Instant Funding variants, including Instant Funding Lite. No USD cap applies; ii. A 7-day (14 days Instant Funding Lite) withdrawal cycle between successive withdrawal requests, and
iii. compliance with all requirements in Section 7, including the Minimum Profitable Days Rule.
iv. All open positions must be closed prior to making a withdrawal request. The Open Position Breach Carryover Rule applies.

b) If an Account is terminated due to a breach, any unwithdrawn simulated profits are irrevocably forfeited.

c) In certain cases, Finotive Funding may require the Trader to make a mandatory withdrawal of all accumulated profits, after which the account may be closed or reset.

d) Standard Profit Split rates are:

• Instant Funding (Standard): 75% initial, scalable in 5% increments to a maximum of 90% (70% → 75% → 80% → 85% → 90%).
• Instant Funding Lite: 70% initial, scalable in 5% increments to a maximum of 85% (65% → 70% → 75% → 85%).

(subject always to promotional offers or coupon codes explicitly published by Finotive)

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9.4 Account Scaling

a) A Trader with an Instant Funding Account in Funded Status may elect to increase their account balance through the Scaling Plan, subject to these Terms.

b) Scaling shall be assessed on a rolling ninety (90) calendar day cycle (a “Scaling Cycle”), commencing from the date of purchase and continuing thereafter in successive cycles.

c) A Scaling Cycle will only be deemed successful if all of the following are satisfied:
i. at least fifty (50) individual trades are executed during the cycle;
ii. no more than five percent (5%) of the Trader’s net profit for the cycle derives from a single trade;
iii. the Trader has achieved the applicable ninety (90) day profit target for their account type, being: Instant Funding – 15%; Instant Funding Lite – 15%;
iv. the Trader has complied with all rules in Section 7, including the Minimum Profitable Days Rule, and has committed no Hard Breach.

d) Where the above requirements are satisfied, Finotive shall, at its discretion, increase the notional balance of the Trader’s account by thirty percent (30%) per Scaling Cycle, and adjust the Profit Split in the Trader’s favour by an additional five percent (5%) per cycle, up to a maximum of:

• ninety percent (90%) for Instant Funding (Standard);
• eighty-five percent (85%) for Instant Funding Lite.

e) Simulated profits used to achieve a scaling event are not forfeited and may still be withdrawn by the Trader. Withdrawals made during a Scaling Cycle shall be included in the calculation of overall account profitability for the purposes of determining eligibility for scaling. A withdrawal request shall not, in itself, constitute a waiver of scaling eligibility for that cycle.

f) Finotive may decline, suspend, or revoke scaling adjustments where, in its reasonable opinion, the Trader’s activity is inconsistent with responsible risk management or the objectives of the Scaling Plan.

g) Updated scaling schedules and account size progressions shall be published on the Trader Dashboard. No change shall operate retrospectively to deprive a Trader of a scaling event already validly earned.

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9A. Maximum Allocations

To preserve systemic integrity and risk management, Finotive imposes allocation limits both at the level of purchased capital and at the level of scaled allocations.

a) Purchased Capital Allowances:

• Challenge Accounts – up to USD $600,000 in aggregate purchased capital.
• Pro Accounts – up to USD $600,000 in aggregate purchased capital.
• Instant Funding Accounts – up to USD $200,000 in aggregate purchased capital.
• Instant Funding Lite – up to USD $200,000 in aggregate purchased capital.

Traders may hold multiple accounts, but the total purchased capital across each Programme must not exceed the relevant allowance.

b) Scaled Allocations:
Subject to compliance with these Terms and the Scaling Plan, accounts that have reached their purchased-capital limits may thereafter be scaled in accordance with the published Scaling Schedules. The maximum scaled balances are as follows:

• Challenge Accounts – up to USD $2,040,000 scaled balance.
• Pro Accounts – up to USD $2,040,000 scaled balance.
• Instant Funding Accounts – up to USD $680,000 scaled balance.
• Instant Funding Accounts – up to USD $680,000 scaled balance.

c) Overall Allocation Cap:
Across all Programmes combined, no Trader shall exceed the published scaled maximum allocations. Finotive may, at its sole discretion, impose lower limits on a Trader’s accounts depending on observed risk profile, breach history, or compliance concerns.

Where a Trader exceeds any maximum allocation permitted under this Clause 9A, Finotive reserves the right to immediately terminate all associated accounts and revoke any profits, payouts, or fees associated with such breach.

Any attempt to circumvent these allocation limits, whether by creating multiple users accounts, using third parties, or employing corporate vehicles, shall constitute a Hard Breach and will result in immediate termination of all associated accounts and forfeiture of fees and profits.

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10. Pro Accounts

10.1 Fees

a) Pro Accounts are available in either a one-step or two-step format, denominated in USD, EUR, or GBP (or such other currencies as Finotive may introduce).

b) Applicable fees for each account size and type are published on the Website or Trader Dashboard at the time of purchase. All fees are payable upfront and must be settled in full before access is granted.

c) Fees are strictly non-refundable under all circumstances, save where:
i. the Trader achieves Funded Status;
ii. the Account remains in net profit on the thirtieth (30th) day thereafter; and
iii. no Hard Breach has occurred during that period.

Refunds shall be processed automatically and returned solely to the original payment method used. Refund entitlement is not contingent on the Trader requesting or receiving a payout, including the first payout.

Any refund shall be processed solely to the original payment method used.

d) FX conversion or bank charges are borne solely by the Trader.

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10.2 Objectives

During each stage of the Pro Challenge, the Trader’s objective is to achieve the specified profit target and comply with the Minimum Profitable Days Rule (7.14) without breaching Section 7.

Account Type	Phase 1 Target	Phase 2 Target
1-Step Challenge	10%	N/A
2-Step Challenge	7.5%	5%

10.3 Consistency Rules

To ensure continuity of strategy, Pro Accounts are subject to the following rules, assessed on rolling seven-day periods beginning 30 days after Funded Status is achieved:

a) Trade Quantity Consistency: total weekly trade count must remain within ±25% of averages from the Challenge and first 30 days of funded trading.
b) Symbol Consistency: top five instruments by traded volume during Challenge must remain within ±25% of their historical allocation; “Other” instruments must also remain within ±25%.

A breach of this Rule shall constitute a Soft Breach and will result in the account being automatically downgraded to a standard funded challenge account of equivalent size. All Pro benefits, including the 100% Profit Split, shall be permanently revoked.

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10.4 Trading Breaks

a) Pro Traders may schedule one Trading Break per rolling 90-day cycle.
b) Each Trading Break is one week (seven calendar days). Breaks cannot be stacked or carried forward.
c) During a Trading Break, trading is fully disabled and Consistency Rules are not enforced.
d) Requests must be submitted at least 72 hours in advance by email to [email protected].

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10.5 Quarterly Profit Target

a) Each Pro Trader must achieve a minimum cumulative profit of five percent (5%) every rolling ninety (90) days.
b) The target includes all realised and unrealised profits, including amounts withdrawn or allocated to scaling.
c) Failure to meet this target shall constitute a Soft Breach and shall result in the automatic downgrade of the Account to a standard funded challenge account of equivalent size, with immediate loss of all Pro benefits.

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10.6 Withdrawing Virtual Profits

a) Pro Traders may request withdrawals immediately upon achieving Funded Status, subject to:
i. For 1-Step Pro Funded Accounts, the minimum withdrawal amount is one percent (1%) of the Initial Account Balance, capped at USD 100. Accordingly, the minimum required payout request amount is the lower of: (a) one percent (1%) of the Initial Account Balance; or (b) USD 100. No minimum payout request requirement applies to 2-Step Pro Funded Accounts; ii. A seven (7) day cooldown between requests;
iii. compliance with Section 7, including the Minimum Profitable Days Rule;
iv. All open positions must be closed prior to requesting a withdrawal. The Open Position Breach Carryover Rule applies.

b) The Initial Profit Split for Pro Accounts is 80% which is increased to one hundred percent (100%) fixed after 30 Days funded. This entitlement applies only while the Account retains Pro status. Upon downgrade, all Pro benefits, including the 100% Profit Split, shall be permanently revoked and replaced by the standard funded account level.

c) If the account is terminated for breach, unwithdrawn simulated profits are irrevocably forfeited.

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10.7 Monthly Salary

Pro Accounts include a monthly salary entitlement equal to one percent (1%) of the purchased capital for each rolling thirty (30) calendar day period. Such salary shall accrue pro rata on a daily basis commencing on the date the Trader attains Funded Status and shall continue for so long as the Account retains Pro status.

The monthly salary is payable in addition to, and without prejudice to, the Trader’s entitlement to the Profit Split described in Section 10.6.

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10.8 Pro Fair Use Policy

a) Pro Accounts must be operated in good faith and in compliance with Sections 7 and 10.
b) Repeated or deliberate misuse may result in permanent exclusion from all Pro Accounts and related programmes.
c) In such cases, Finotive may downgrade the account to standard funded status and revoke all Pro benefits, including the 100% Profit Split.

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10.9 Scaling Plan

a) While in Funded Pro Status, a Trader may elect to increase their notional account balance in accordance with the Scaling Plan. The Profit Split shall remain fixed at one hundred percent (100%).
b) Scaling is assessed on rolling ninety (90) calendar day periods (each a “Scaling Cycle”), commencing from the date of achieving Funded Status.
c) A Scaling Cycle will be deemed successful only if all of the following are satisfied:
i. the Trader has executed at least fifty (50) trades;
ii. no more than five percent (5%) of net profit derives from a single trade;
iii. the Trader has achieved the applicable ninety (90) day profit target for Pro Accounts, being:

• 1-Step Pro – 12%
• 2-Step Pro – 10%
  iv. all three (3) months of the Scaling Cycle must be profitable; and
  v. the Trader has committed no Hard Breach and complied fully with these Terms, including the Minimum Profitable Days Rule.

e) Where the above conditions are satisfied, Finotive shall, at its discretion, increase the notional account balance by thirty percent (30%) per Scaling Cycle. The Profit Split shall remain fixed at one hundred percent (100%).

f) Scaling schedules and account size progressions are published on the Trader Dashboard. Finotive may amend such schedules prospectively at its sole discretion but shall not deprive a Trader of a scaling benefit already validly earned.

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11. Payments

11.1 Fees

The fees for Finotive Funding Accounts are determined by the account type, account size, and other parameters selected at the time of purchase. The applicable fees are those published on the Website or Trader Dashboard at the time of order.

11.2 Pricing & Promotions

Finotive reserves the right to amend fees at its sole discretion at any time. Any change applies only to future purchases and does not affect accounts already purchased.

Promotional discounts, vouchers, or coupon codes may be offered occasionally; these are non-transferable, may not be combined with other offers, and may be withdrawn at any time without notice.

No promotion, voucher, or coupon code shall override or modify the breach rules, refund policies, or other provisions of these Terms.

11.3 Currencies

All fees are payable in USD, EUR, or GBP. Where payment is made in another currency, the Trader shall bear all exchange rate and conversion costs. Any bank or crypto-network fees are the sole responsibility of the Trader.

Payouts may be made in a different currency than the purchase currency. All associated exchange costs shall be borne solely by the Trader.

11.4 Payment Methods

Payment may be made by credit/debit card via Pay.com or by cryptocurrency via NowPayments (or such other methods as Finotive may introduce from time to time).

Payment is deemed received only when cleared and confirmed by the payment provider. Finotive reserves the right to suspend or change payment methods at any time.

Finotive may decline or reverse any payment where it reasonably suspects fraud, unauthorised use, or breach of the Prohibition on Third-Party Payments (Clause 11.7).

11.5 Personal Data

To process payments, the Trader may be required to supply personal data such as name, address, phone number, email address, and billing details.

Finotive does not collect or store card or crypto-wallet details; such information is processed solely by Pay.com or NowPayments in accordance with their own terms.

Finotive shall not be liable for any data breaches occurring at third-party payment providers. Finotive provides no warranty and accepts no liability for the security of payment details processed by third-party providers.

11.6 Taxes

The Trader remains solely responsible for reporting and remitting any personal or corporate tax liabilities arising from simulated profits or withdrawals to their local tax authority.

11.7 Prohibition on Third-Party Payments

Payments must be made directly by the Trader. Third-party payments are strictly prohibited. The payment method details must match the Trader’s verified KYC and withdrawal information.

Any breach of this rule shall constitute a Hard Breach and may result in immediate suspension or termination of the Account without refund or payout.

11.8 Payouts

All simulated profit payouts shall be credited to the Trader’s Finotive Pay balance. Withdrawals may then be made using the payout methods available within Finotive Pay at the time of request, subject always to successful KYC verification and compliance review.

All open positions must be closed prior to requesting a payout, and the Open Position Breach Carryover Rule applies.

Payouts are eligible on a weekly cycle for all funded accounts, unless otherwise specified on the Dashboard for a given programme.

Finotive reserves the right to withhold, delay, or refuse any payout if fraudulent, suspicious, or non-compliant activity is suspected, or if a breach investigation is pending.

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12. Refund and Cancellation Policy

12.1 General Rule

All fees paid on the Website are final and non-refundable, save only for the express refund circumstances set out in Sections 8.1, 9.1, and 10.1 of these Terms.

Fees are strictly for access to the Finotive Funding Challenge or other Services, and not for the outcome of any simulated trading. No implied right of refund exists under any consumer protection statute, save as expressly provided in Clause 12.2 (Cooling-Off Period).

For clarity, entitlement to a refund under Sections 8.1(c) and 10.1(c) is not contingent upon the Trader requesting or receiving a payout, including the first payout.

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12.2 Cooling-Off Period

a) A Trader may cancel the contract within fourteen (14) calendar days of purchase, without giving reason, provided that:
i. no trades have been placed on the Account;
ii. the Trader has not accessed the Dashboard or Trading Platform beyond registration; and
iii. the Trader has successfully completed KYC verification to Finotive’s satisfaction.

b) Requests must be submitted by email to [email protected] from the registered email address. Refunds shall only be made to the original payment method used for purchase.

c) Where KYC verification is not completed or is failed, refunds may be granted solely at Finotive’s discretion.

d) Where the Trader has accessed the Dashboard or Trading Platform or placed any trade, Services shall be deemed delivered in full and the right to cancel under this Clause shall automatically expire. Refunds may be granted solely at Finotive’s discretion.

e) Refunds granted under this Clause shall be processed within fourteen (14) business days of approval.

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12.3 Exclusions

No refunds shall be due if:
a) the Trader has placed any trades on the Account;
b) the Trader fails to meet Challenge or Pro objectives;
c) the Account is terminated for any Hard Breach or Soft Breach under Section 7 or these Terms;
d) the Trader voluntarily cancels after commencement of trading activity; or
e) refund entitlement conditions under 8.1(c) or 10.1(c) are not satisfied.
f) if the Trader has a negative Account Refresh balance, the Trader shall not be eligible for any refund under any clause of these Terms & Conditions.

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12.4 Defective Services

a) If Services are defective due to technical failures within Finotive’s reasonable control, the Trader must notify Finotive within thirty (30) days.
b) Finotive shall remedy such defect by restoring the Services or providing equivalent replacement access.
c) If Finotive is unable to remedy the defect within thirty (30) days, the Trader may elect to withdraw from the contract or receive a reasonable discount.
d) Technical issues caused by third-party providers, market conditions, slippage, latency, connectivity, or losses incurred in simulated or real trading shall not constitute defects under this Clause.

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12.5 Prohibition on Chargebacks

a) Traders must not initiate unjustified chargebacks, payment disputes, or reversals.
b) Any such attempt shall constitute a Hard Breach of these Terms and may result in immediate termination of the Account, forfeiture of all fees, permanent exclusion from Finotive’s Services, and reporting of the incident to relevant payment processors and regulatory authorities.

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12A Swap-Free Accounts

Traders may request a Swap-Free (Islamic) Add-On where eligible. Swap-Free Accounts are subject to the same rules and conditions as standard accounts, except that overnight financing charges (swaps) are not applied. The Swap-Free Add-On is provided strictly for religious compliance purposes.

Use of Swap-Free Accounts to gain unfair advantage, including but not limited to holding long-term trades designed to exploit the absence of swaps, constitutes a Hard Breach and will result in immediate termination of the Account and forfeiture of all fees and profits. Finotive reserves the right to revoke Swap-Free status at any time if misuse is reasonably suspected.

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13. Fraudulent Transactions

13.1 Fraudulent Use of Services

a) If Finotive reasonably suspects that its Services are being used fraudulently, illegally, or for purposes connected to money laundering, terrorist financing, or violation of applicable sanctions laws, Finotive may immediately suspend or terminate the relevant Account without prior notice. Such conduct shall constitute a Hard Breach.
b) Finotive will cooperate fully with competent authorities in any investigation and may provide them with all relevant information, including but not limited to account details, communications, and transaction history.
c) Any Trader found to have engaged in fraudulent or unlawful activity shall:
i. be permanently blacklisted from all Finotive Services;
ii. forfeit all fees paid and all simulated profits or payouts accrued; and
iii. be reported to relevant financial institutions, regulators, and law enforcement authorities.

13.2 Fraudulent Payment Activity

a) If there is a claim or suspicion that a payment card, cryptocurrency wallet, or other payment method has been used without proper authorisation, Finotive shall cooperate fully with banks, payment providers, and law enforcement authorities in their investigations. This may include providing all relevant details concerning the Trader, card or wallet authentication records, communications, and order history.
b) Finotive reserves the right to suspend or cancel any affected Accounts and to withhold, reverse, or recover any payouts pending investigation.
c) Fraudulent use of a payment method shall constitute a Hard Breach of these Terms. Finotive may immediately terminate the Trader’s Account, permanently exclude them from all Services, and recover from the Trader any losses, chargebacks, fines, or penalties incurred by Finotive as a result of such fraudulent activity.

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14. Intellectual Property

14.1 Ownership of Content

a) All content, materials, and intellectual property displayed on or made available through the Website or Services, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, software, source code, page layout, design, data compilations, dashboards, and proprietary methodologies, are the property of Finotive Funding (www.finotivefunding.com), its affiliates, or its licensors. Such materials are protected by copyright, trademark, and other applicable intellectual property laws.
b) Traders acknowledge that they acquire no ownership rights by using the Services.
c) Content uploaded by Traders remains the property of the Trader. By uploading or providing such content, the Trader grants Finotive a worldwide, royalty-free, non-exclusive, transferable licence to use, reproduce, display, adapt, and distribute such content solely for the purpose of operating and providing the Services. To the maximum extent permitted by law, the Trader waives any moral rights in such content.
d) Traders may not use any Finotive intellectual property, methodologies, or proprietary content for the purpose of creating or assisting in the creation of competing services, products, or platforms.
e) Any unauthorised use of Finotive’s intellectual property, or breach of this Section 14, shall constitute a Hard Breach and may result in immediate termination of the Account, forfeiture of all fees and profits, and legal action.

14.2 Limited Licence

a) Finotive grants each Trader a limited, revocable, non-exclusive, non-transferable licence to access and use the Website and Services solely for personal, non-commercial purposes directly related to participation in the Finotive Funding programmes. This licence confers no ownership rights and may be revoked at any time at Finotive’s sole discretion.
b) This licence strictly prohibits:
i. copying, reproducing, distributing, reselling, publishing, or commercially exploiting any Finotive materials in whole or in part;
ii. reverse-engineering, decompiling, disassembling, or otherwise attempting to extract source code or proprietary methodologies;
iii. creating derivative works, modifications, or adaptations from Finotive’s intellectual property;
iv. using automated systems, bots, scrapers, crawlers, or other technologies to access, extract, or monitor the Website, Dashboard, or Services;
v. framing, mirroring, or otherwise incorporating any part of the Services into another platform; or
vi. transferring, sublicensing, or assigning rights under this licence to any third party.
c) The licence shall terminate automatically upon suspension or termination of the Trader’s Account for any reason, without prejudice to Finotive’s other rights and remedies.

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15. Links to Other Websites

15.1 This Website may contain links to third-party websites. Unless expressly stated otherwise, such sites are not under the control of Finotive Funding or its affiliates. Links are provided solely for convenience and informational purposes. Finotive assumes no responsibility or liability for the content, availability, security, or data-processing practices of third-party websites. The inclusion of any link does not imply endorsement, approval, or affiliation. Traders access and use linked sites entirely at their own risk, and Finotive shall not be liable for any loss, damage, or liability arising from such use.

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16. Account and Trader Information

16.1 Accuracy

When registering or completing any order form, you must provide complete, accurate, and truthful information, and you must not impersonate any other person or entity. Providing false or misleading information constitutes a Hard Breach under these Terms.

16.2 Ongoing Obligations

By using the Services, you warrant that:
a) all information you submit is accurate and truthful;
b) you are authorised to provide any payment or identification information submitted; and
c) you will keep such information up to date at all times.
d) you must not withhold material information relevant to verification.

16.3 Verification

All information is subject to verification, including Know Your Customer (KYC) checks. Finotive may request additional documents or updated information at any time. Accounts containing false, incomplete, or unverifiable data may be suspended or terminated without refund.

Finotive may withhold or delay payouts until verification is successfully completed. Failure or refusal to provide required documents shall constitute grounds for suspension or termination without refund.

16.4 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials and for all activity conducted under your account. Finotive accepts no liability for loss or damage caused by your disclosure or failure to protect your credentials, unless due to Finotive’s negligence.

If you suspect your account has been compromised, you must notify Finotive immediately. Finotive may suspend or reset compromised accounts at its discretion. Login anomalies or unauthorised use, including IP overlaps or shared device access, may be treated as fraudulent activity under Section 13.

16.5 Multiple Accounts

Each Trader may maintain only one registered user account. Creation of multiple user accounts, including under different email addresses or identities, is prohibited unless expressly authorised by Finotive.

Breach of this rule constitutes fraudulent use under Section 13 and may result in termination and blacklisting. Breach of this rule constitutes a Hard Breach and may result in immediate termination and blacklisting.

16.5.1 Affiliate Benefit Usage

Each customer is permitted to use one (1) affiliate—and that affiliate’s corresponding discount or coupon codes—on purchases made under their account with the Company. The use of any affiliate benefits is strictly limited to the customer’s primary and single registered profile. As stated in Clause 16.5, each user may hold only one profile. Creating or maintaining multiple profiles is strictly prohibited, constitutes a hard breach of these Terms and Conditions, and may result in account termination without refund.

16.5.2 Prohibition on Additional Profiles for Affiliate Advantages

The creation of additional profiles—whether under different email addresses, altered personal information, or any other means—for the purpose of re-using, redeeming, or obtaining additional affiliate benefits is strictly prohibited. Any such activity constitutes a Hard Breach and may result in immediate closure of all associated accounts without a refund. Finotive Funding also reserves the right to refuse the provision of future services to any user found to have engaged in such activity.

16.5.3 Anti-Circumvention of Affiliate Policies

Any attempt to circumvent this policy—including creating new profiles, altering personal information, or engaging in any deceptive behavior to exploit affiliate benefits—will result in immediate account closure without refund, cancellation of all related profiles, and any additional actions Finotive Funding deems necessary, including account suspension, denial of services, or permanent termination.

16.6 Account Limits

The number of challenges, verifications, or accounts per Trader may be limited based on account size, capital allocation, or other conditions set by Finotive. Account capital, performance, or trading data cannot be transferred, merged, or combined across products or accounts. Limits may be updated prospectively at Finotive’s discretion.

16.7 Sharing Access

Account access must not be shared with third parties without Finotive’s express written approval. If the account is held by a legal entity, access may be shared with employees or authorised representatives, but the entity remains fully responsible for their use. Any unauthorised sharing would constitute a Hard Breach.

16.8 Termination by Trader

You may request cancellation of your account by contacting [email protected]. Upon termination, all Services will cease with no entitlement to a refund. Termination does not affect accrued obligations, including fees owed, breaches already committed, or pending compliance reviews.

Termination does not entitle Trader to regain forfeited profits or bypass pending investigations.

16.9 Business/Entrepreneur Accounts

If you provide a VAT identification number or business registration number, you will be treated as a business Trader. Business Traders acknowledge and expressly agree that consumer protection laws, including statutory cancellation rights, cooling-off rights, and implied warranties, may not apply.

16.10 Use of Certificates

By agreeing to these Terms, you grant Finotive permission to use Progression, Funded Status and Withdrawal Certificates as promotional material in any medium. Finotive may display these certificates as proof of performance to prospective Traders.

Where such certificates include personal data (e.g. name, photo), Finotive will obtain consent in accordance with applicable data protection laws. Where a Trader withdraws consent, Finotive may anonymise or remove the relevant certificate; however, Finotive retains a perpetual licence to use anonymised performance data for reporting and promotional purposes.

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17. Use of This Website

17.1 When using the Website or Services, you must comply with the following rules:
a) You must identify yourself truthfully and not impersonate another person or entity.
b) You must treat Finotive staff with respect and refrain from using abusive, threatening, racist, sexist, or otherwise offensive language.
c) You must not reproduce, copy, publish, distribute, or otherwise use any content or data from the Website or Services for the benefit of any third party without Finotive’s prior written consent.
d) You must not use the Website or Services for any unlawful purpose, including fraud, money laundering, terrorist financing, or breach of sanctions laws.
e) You must not attempt to publish, transmit, or upload any malicious software, spyware, viruses, or similar materials designed to damage, compromise, or interfere with the Website, Services, or another Trader’s account.
f) You must not use any automated means (including robots, spiders, or scraping tools) to access, extract, or index the Website or Services.
g) You must not attempt to circumvent or exploit any account, rule, or feature of the Services, including manipulating payouts, breaching trading rules, or otherwise undermining the integrity of the Services.
h) You must not create multiple accounts, share access credentials, or otherwise violate Section 16 (Account and Trader Information).
i) You must not make false claims, initiate unjustified chargebacks, or otherwise act fraudulently in relation to Finotive or its partners.
j) You acknowledge that access to and use of the Services may be restricted in some jurisdictions and undertake to comply with all applicable laws at all times.

Any breach of this Section 17 shall constitute a breach of these Terms. Where conduct amounts to fraud, chargeback activity, sanctions violations, or other unlawful activity, such breach shall be deemed a Hard Breach. All other breaches may be treated as Soft Breaches subject to enforcement under Section 7. Finotive reserves the right to classify conduct at its sole discretion.

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18. Termination and Cancellation

18.1 Finotive may, at its sole discretion, suspend, restrict, or terminate your Account or contract immediately if you commit a Hard Breach, if fraudulent or unlawful activity is suspected, or if required for regulatory or compliance reasons. Soft Breaches may result in suspension, reset, payout reduction, or downgrade, at Finotive’s discretion.
18.2 Finotive may also terminate your account or contract under other provisions of this Agreement, including but not limited to Sections 7 (Trading Rules), 12 (Refunds and Cancellations), and 13 (Fraudulent Transactions).
18.3 Upon termination for a Hard Breach, you shall not be entitled to any refund of fees or withdrawal of simulated profits, and you shall be permanently excluded from all Finotive Services. Any outstanding rights of Finotive under these Terms, including recovery of losses, indemnification, and enforcement of intellectual property rights, shall survive termination.
18.4 Termination shall not affect any accrued obligations of either party. Sections relating to intellectual property, disclaimers, limitations of liability, indemnities, and governing law shall continue in force notwithstanding termination. Finotive may withhold or delay any pending payouts while a breach investigation is ongoing.

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19. Our Responsibilities

19.1 Security

Finotive takes all reasonable technical and organisational measures to safeguard the Website, Dashboard, and Services. However, no method of transmission or storage is completely secure, and Finotive does not guarantee absolute security.

You are solely responsible for maintaining the security of your devices, software, networks, and login credentials, and for implementing appropriate protections (including antivirus, firewalls, updates, and backups). Finotive shall not be liable for any breach, hack, loss, or compromise caused by third-party providers, internet failures, or your acts/omissions, and will only be liable where a loss is caused solely by Finotive’s gross negligence.

19.2 Suspension of Services

Finotive may temporarily suspend or restrict Services for operational, maintenance, compliance, or risk-management reasons, including but not limited to repairs, upgrades, technical issues, or suspected breaches of these Terms.

Finotive shall use reasonable efforts to restore Services promptly but shall not be liable for any loss or damage resulting from downtime or inaccessibility. Suspension may continue for as long as reasonably necessary to address the operational, compliance, or risk-management issue.

19.3 Force Majeure

Finotive shall not be liable for any failure or delay in performing its obligations due to causes beyond its reasonable control, including but not limited to strikes, labour disputes, acts of God, war, terrorism, cyberattacks, utility or internet outages, government restrictions, sanctions, pandemics, regulatory action, or interruption of financial markets.

During a Force Majeure event, the Trader shall not be entitled to any refund, compensation, or extension of Services.

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20. Disclaimers

20.1 General Disclaimer

The Website and Services are provided on an “as is” and “as available” basis, without warranties of any kind. Finotive does not guarantee that the Services will meet your requirements, operate without interruption, be secure, or be error-free. No oral or written information, marketing materials, testimonials, or examples provided by Finotive or its representatives shall create any warranty or representation not expressly set out in these Terms.

20.2 No Investment Advice

Information provided on the Website, Dashboard, or Services does not constitute investment, financial, or trading advice. Finotive does not recommend or endorse any trading activity. All activities carried out on the Trading Platform are at the Trader’s discretion and risk.

20.3 Simulated Accounts

All accounts offered by Finotive are simulated only, including those designated as Funded Accounts under a Funded Trader Agreement. Trades are never executed in live financial markets; all profits and losses are notional and exist solely for evaluation and allocation purposes.

A Funded Trader Agreement does not convert an account into a live trading account, but merely governs the terms under which simulated profits may be shared. No entitlement to live funds, deposits, or market execution exists under any circumstances.

20.4 Market Risk

Financial markets are volatile and unpredictable. Finotive makes no guarantee of any specific results, returns, or profit from using the Services. You may lose any initial fee paid, and you shall not hold Finotive responsible for any loss outside the Service’s defined scope. Traders expressly acknowledge that fees paid to Finotive are at risk of total loss and shall not be refunded or recoverable under any theory of liability.

20.5 Service Descriptions

Whilst efforts are made to ensure accuracy, descriptions of Services, account features, or performance examples on the Website are illustrative only and may differ from actual Services. Testimonials, past performance, and trader results are not guarantees of future performance.

20.6 Technical Compatibility

The Trader is solely responsible for obtaining and maintaining the technical equipment and software necessary to use the Services. Finotive does not guarantee compatibility with any specific device, operating system, or software.

20.7 Third-Party Platforms and Sites

Finotive does not own or control the Trading Platform (e.g., MT5) or third-party websites accessible via links from the Website. Such platforms and sites are governed by their own terms and policies. Finotive disclaims all responsibility for their content, security, and performance. Any disputes with such third parties must be resolved directly with them.

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21. Modification of Service and These Terms and Conditions

21.1

Finotive reserves the right to amend these Terms, the Website, account types, rules, fees, payout structures, or any aspect of the Services at any time. Changes shall take effect immediately upon posting on the Website or Dashboard, unless a later effective date is specified.

Traders with existing Accounts acknowledge that amendments to rules, payout structures, or account limits may apply prospectively to their Accounts from the date of publication.

22. Limitation of liability

22.1

To the maximum extent permitted by law, Finotive, its affiliates, officers, employees, and agents shall not be liable for any:
(a) indirect, incidental, consequential, special, or exemplary damages, including loss of profits, trading opportunities, business interruption, reputational harm, data loss, or goodwill, whether foreseeable or not;
(b) claims arising from the use or inability to use the Website, Dashboard, Services, or Trading Platform, including outages, errors, delays, maintenance, or suspension;
(c) reliance on any content, data, statistics, performance results, testimonials, or marketing materials provided by Finotive, all of which are illustrative only;
(d) acts, omissions, or failures of third-party service providers, including payment processors, hosting providers, liquidity providers, or the Trading Platform;
(e) losses arising from viruses, malware, unauthorised access, data breaches, or other malicious attacks, except where caused solely by Finotive’s gross negligence;
(f) losses resulting from the Trader’s failure to comply with these Terms, including Section 7 (Trading Rules), or from negligence in safeguarding account credentials, equipment, or software including enforcement actions arising from any Hard Breach or Soft Breach.
(g) any tax, regulatory, or legal consequences arising from the Trader’s participation in the Services, including misclassification of income, VAT, or other levies.

22.2

All accounts provided by Finotive are simulated accounts only, including those designated as Funded Accounts under a Funded Trader Agreement. Trades are never executed in live financial markets, and all funds displayed are notional. A Funded Trader Agreement does not upgrade an account to live status but governs only the conditions under which simulated profits may be shared. For the avoidance of doubt, no live funding, deposits, or access to actual financial markets shall ever be provided under these Terms.

22.3

Except where liability cannot be excluded by law (including liability for fraud, wilful misconduct, or death or personal injury caused by negligence), Finotive’s total aggregate liability to any Trader, across all claims combined, shall be limited to the lesser of:
(a) the total fees actually paid by the Trader to Finotive in the twelve (12) months preceding the event giving rise to liability; or
(b) one thousand euros (€1,000).
For the avoidance of doubt, simulated profits, notional account balances, scaling benefits, or any expectation of future payouts are expressly excluded from recoverable loss.

22.4

Nothing in these Terms shall exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

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23. Indemnification

23.1

The Trader agrees to fully indemnify, defend, and hold harmless Finotive Funding, its affiliates, officers, directors, employees, agents, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, proceedings, investigations, damages, losses, liabilities, costs, and expenses (including reasonable legal fees and costs) arising out of or in connection with:
(a) the Trader’s use of the Website, Dashboard, Services, or Trading Platform;
(b) any breach by the Trader of these Terms, including without limitation the Trading Rules set out in Section 7;
(c) any violation by the Trader of applicable law, regulation, or sanction requirements;
(d) any claim by a third party (including regulators, payment processors, counterparties, or other traders) arising from the Trader’s conduct;
(e) any misrepresentation, negligence, fraud, wilful misconduct, or other wrongful act by the Trader;
(f) any unauthorised, improper, or illegal use of the Services, including but not limited to chargebacks, identity fraud, regulatory fines, sanctions violations, or misuse of intellectual property;
(g) any third-party claims alleging infringement of intellectual property rights, privacy rights, or other proprietary rights caused by the Trader’s actions.

23.2

The indemnification obligations under this Section shall apply regardless of whether such claims arise directly between the Trader and Finotive, or between the Trader and a third party, and shall extend to claims asserted against Finotive by regulators, financial institutions, trading counterparties, or other Traders.

23.3

The indemnification obligations are continuing and shall survive termination, cancellation, or expiration of the Trader’s account or these Terms.

23.4

The rights and remedies available to Finotive under this Section are in addition to, and not in substitution of, any other rights or remedies available under these Terms, at law, or in equity.

23.5

For the avoidance of doubt, any conduct constituting a Hard Breach shall trigger the indemnification obligations under this Section.

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24. No Waiver

24.1

No failure, delay, or omission by Finotive to exercise or enforce any right, power, or remedy under these Terms shall operate as a waiver of such right, power, or remedy, nor shall any single or partial exercise preclude any further exercise.

24.2

Any waiver granted by Finotive must be in writing and signed by an authorised representative. No waiver of any breach shall be deemed to be a waiver of any subsequent or continuing breach. No waiver by Finotive of its rights in relation to one Trader applies to any other Trader.

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25. Severability

25.1

If any provision of these Terms is held to be invalid, illegal, or unenforceable in whole or in part by a court or competent authority, such provision shall be severed to the minimum extent necessary, and the remaining provisions shall remain valid and enforceable.

25.2

If severance materially alters the nature of these Terms, Finotive reserves the right to amend or replace the affected provision with one that most closely reflects the original intent, consistent with applicable law. Severance shall not affect the enforceability of any surviving Hard Breach or Soft Breach provisions.

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26. Resolving Disputes

26.1

Any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, interpretation, breach, or termination, shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates.

26.2

Nothing in this Section shall prevent either Party from seeking urgent interlocutory or injunctive relief in the courts of Dubai, United Arab Emirates where immediate relief is reasonably necessary to prevent irreparable harm.

26.3

The Parties waive any right to participate in class actions, collective proceedings, or representative claims. All disputes shall be resolved on an individual basis.

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27. Previous Terms and Conditions

27.1

In the event of any conflict between these Terms and Conditions and any prior versions thereof, or any version of the Trading Rules, the provisions of these Terms and Conditions shall prevail unless expressly stated otherwise.

These Terms apply prospectively from their effective date, save that compliance-related amendments may be applied immediately to existing Accounts.

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28. Third-Party Rights

28.1

Nothing in these Terms and Conditions shall confer any rights upon any third party, whether under the UK Contracts (Rights of Third Parties) Act 1999 or otherwise. The agreement created by these Terms and Conditions is solely between you and Finotive Funding.

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29. Law and Jurisdiction

29.1

These Terms and Conditions, and the relationship between you and Finotive Funding, shall be governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

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30. Entire Agreement

30.1

These Terms, together with the Privacy Policy, Refund Policy, Funded Trader Agreement (where applicable), and any other agreement or policy expressly incorporated by reference on the Website or Dashboard, constitute the entire agreement between you and Finotive Funding.

They supersede all prior discussions, representations, or agreements, whether oral or written, relating to the subject matter. No reliance is placed on any statement or representation not expressly set out in these Terms.

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31. How to Contact Us

31.1

If you have any questions about these Terms and Conditions, or wish to exercise any data protection rights, you may contact us at [email protected] or via the contact details provided on our Website.

All notices under these Terms must be made in writing and sent to the registered email address of the other party. Finotive may deliver notices to Traders through the Dashboard or the email address associated with their Account, and such delivery shall constitute effective notice.