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Terms & conditions

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 Group Global, with its registered office at Omirou Street 64, Imperium Tower, P .C. 3096, Limassol, Cyprus (Company Registration Number: HE459785) (“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.

1.2 Definitions

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

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.

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 England & Wales, and you agree to the exclusive jurisdiction of the courts of England & Wales.

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.

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:

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).

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

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.

4.13

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.

4.14

Finotive pays profits from its own reserves via Finotive Pay. 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.

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:

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

All trading activity must reflect a responsible, risk-managed, and market-aligned approach. The following practices are strictly prohibited and will result in review, sanction, or termination of the Account in accordance with Section 7.9 of these Terms:

Finotive Funding will assess both individual trades and the Trader’s overall behaviour and trading patterns when determining whether a breach has occurred.

7.2 Daily Drawdown Rule

a) Daily drawdown limits restrict the maximum permitted loss that may be incurred within a single trading day.
b) The daily drawdown is measured against the Trader’s previous trading day’s closing balance or equity, whichever is lower.
c) A trading day is defined as beginning at 17:00:00 New York Time and ending at 16:59:59 New York Time the following day.
d) At 17:00:00 each day, the daily drawdown threshold is recalculated based on the lower of the prior day’s closing balance or equity.
e) Open equity and floating losses are included when assessing compliance with the daily drawdown rule.
f) A breach of this rule will result in immediate termination of the Account under Section 7.9.

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

7.3 Max Drawdown Rule

a) The maximum drawdown rule restricts cumulative losses from the starting account balance, and is monitored in real time by Finotive Funding’s risk systems.
b) For Challenge Accounts, the maximum drawdown is measured from the initial starting balance. For Funded Accounts, the maximum drawdown is static and measured against the initial account balance. It is not trailed or adjusted based on the highest account balance achieved.
c) Open equity and floating losses are included when calculating maximum drawdown.
d) A breach of this rule constitutes an immediate and irredeemable termination of the Account under Section 7.9.

Account Type Max Drawdown Limit
1-Step Challenge 8.0%
2-Step Challenge 10%
Instant Funding 7.0%
Instant Funding Lite 6.0%
1-step Finotive Pro 8.0%
2-step Finotive Pro 10.0%

7.4 Cash Risk Rule

a) The Cash Risk Rule enforces strict limits on how much capital a Trader may risk on any trade or combination of trades. Cash Risk is divided into two components:

b) For the purposes of this Rule, “risk” means the total potential loss on all open positions calculated at their stop loss levels, measured against the Account Balance.

c) The following limits apply during the Evaluation Phase:

d) Upon achieving Funded Status, the above limits shall automatically be halved.
e) Traders have a sixty (60) second grace period from execution to set or adjust stop losses on new positions.

f) Breach Outcomes:

7.4.1 Dynamic Adjustment

a) Risk limits are automatically reduced when the Account approaches a drawdown threshold.
b) Traders must immediately adjust open positions to comply with the reduced limit.
c) Opening new trades in excess of adjusted limits constitutes a breach and will be enforced without exception.

7.4.2 Outcomes

a) Evaluation Phase – First & Second Breach: challenge reset (if in profit); if in loss, the Trader must return to break-even before reset. Third Breach: Account closure.
b) Funded Phase – Breach will result in payout reduction to ten percent (10%), with mandatory full withdrawal of profits. Repeat breaches may result in termination of the Account.
c) Classification – Breaches of the Cash Risk Rule are ordinarily treated as Soft Breaches (resulting in reduced payouts, resets, or suspension). However, if a breach causes or coincides with a Daily Drawdown or Maximum Drawdown breach, it will be classified as a Hard Breach, resulting in immediate termination of the Account and forfeiture of payouts in accordance with Section 10 of these Terms.

7.4.3 High-Risk Behaviour

Traders who consistently place trades utilising seventy-five percent (75%) or more of permitted risk limits, particularly when in drawdown, may be flagged for intentional risk inflation. While not a breach on its own, such behaviour may trigger review, payout reduction, or enforcement under Section 7.9 and the Hard/Soft Breach framework in Section 10.

7.5 Stop Loss Rule

a) A stop loss must be applied to every trade within sixty (60) seconds of execution.
b) On selected account types, where no stop loss is applied, Finotive Funding will impose a substitute stop loss equal to thirty-five percent (35%) of the fourteen-day Average True Range (ATR). The Trader remains fully responsible for any resulting breach if the substitute stop loss causes or contributes to exceeding risk limits.
c) Stop losses are mandatory on all accounts. Failure to place a valid stop loss shall constitute a breach of these Terms. Where a substitute stop loss is imposed under sub-clause (b), this does not excuse the Trader’s obligation, and any resulting breach shall be enforced in accordance with Section 7.9.
d) Trades must not be opened or closed without an associated stop loss. Closing trades manually without a valid stop loss in place may be treated as a circumvention attempt.
e) Enforcement and consequences of breaches of this Rule are as set out in Section 7.9.
f) Failure to apply a stop loss will ordinarily be treated as a Soft Breach (resulting in warnings, resets, or reduced payouts). However, where the absence of a stop loss results in a breach of the Daily Drawdown Rule or Maximum Drawdown Rule, it shall be treated as a Hard Breach, leading to immediate termination of the Account in accordance with Section 10.

7.5.1 Outcomes

a) Challenge Accounts: First & Second Breach: Warnings only. Third Breach: Substitute stop loss applied automatically or challenge reset (Finotive Pro).
b) Instant Funding / Finotive Pro Funded Accounts: Payout reduction to ten percent (10%), with mandatory full withdrawal of profits.

7.6 Inactivity Rule

a) Accounts must remain active. Inactivity is defined as thirty (30) consecutive calendar days without the execution of a trade.
b) If an account is inactive, Finotive Funding will terminate or suspend the account without refund.
c) Sanctions for inactivity are applied in accordance with Section 7.9 (Account Closure).
d) Inactivity constitutes a Hard Breach. The account will be closed permanently following the notification in sub-clause (c).

7.7 Gambling or Speculative Conduct

The following behaviours constitute prohibited gambling or speculative conduct:

a) Excessive risk-taking (see Rule 7.4.3).
b) Random or erratic trading patterns, including inconsistent lot sizing, instrument switching, or entry/exit logic without a coherent strategy.
c) Deliberately increasing risk while in drawdown with the intention of recovering losses, engineering a reset, or exploiting reduced payout thresholds.
d) Abrupt or unjustified changes in trade logic, position sizing, or asset class in the days immediately preceding a payout request.
e) Engaging in numerous micro-losses followed by disproportionately large recovery trades (“slot machine tactics”).
f) Any approach which, while technically within rule limits, is clearly designed to manipulate payout access, resets, or account thresholds.

Finotive Funding will assess intent, consistency, and overall trading behaviour when determining whether conduct falls within this Rule.

A confirmed breach constitutes grounds for immediate account termination under Section 7.9. Confirmed gambling or speculative conduct is a Hard Breach and constitutes grounds for immediate account termination under Section 10.

7.8 Finotive Pro Consistency & Profitability Rules

a) Trade Consistency: Beginning thirty (30) days after achieving Funded Status, and thereafter on a rolling seven-day basis, the total number of trades and trade volume by instrument class must remain within ±25% of the averages recorded during both the Challenge phase and the first thirty (30) days of funded status.
b) Quarterly Profit Target: Within each rolling ninety-day period, the Trader must generate combined realised and unrealised profit of at least five percent (5%) of their initial account capital.
c) Breach of either requirement will result in the account being automatically downgraded to a standard funded challenge account of equivalent size. All Pro benefits, including the fixed 100% Profit Split and any preferential terms, shall be permanently revoked. The downgrade is effective immediately and without further notice.

7.9 Outcomes

In the event that the Trader breaks any of the rules laid out in Section 7, the following outcomes apply. All breaches are classified under the Hard Breach / Soft Breach framework set out in Section 10:

Rule Outcome if Broken

Rule Outcome
General Trading Rules Hard Breach – Immediate Account Termination
Trading Behaviour Rule Soft Breach – 10% payout reduction per breach
Daily Drawdown Rule Hard Breach – Immediate Account Termination
Max Drawdown Rule Hard Breach – Immediate Account Termination
Total Risk Rule (Cash Risk) Soft Breach – sanctions including payout reduction, leverage reduction, mandatory withdrawal of profits; if linked to a drawdown breach → Hard Breach
Stop Loss Rule Soft Breach – substitute SL, challenge reset, or 10% payout reduction (depending on account type); if breach causes a drawdown breach → Hard Breach
Inactivity Rule Hard Breach – Account automatically closed without refund at thirty (30) consecutive days of inactivity. Traders will be emailed prior to closure.
Gambling Rule Hard Breach – Immediate Account Termination (may be enforced retrospectively if detected after payout)
Finotive Pro Consistency Soft Breach – Automatic downgrade to standard funded challenge account

Additional Enforcement Principles:

7.10 Disclaimers

a) Breaches may be enforced retrospectively if discovered at a later date, including the reversal of any payouts or scaling benefits previously credited.
b) Finotive Funding reserves the right to modify these Rules at any time, with or without prior notice, and such modifications shall take immediate effect upon publication.
c) In cases where a Trader poses a material financial or reputational risk, they may be permanently banned from all Finotive Funding products and services.

7.11 Risk Monitoring & Flagging

To uphold fair trading standards, Finotive Funding applies continuous risk monitoring based on both system-level rules and behavioural analysis. While isolated infractions may not constitute immediate breaches, consistent patterns may result in account review, challenge reset, payout reduction, or termination.

Behaviours that may trigger manual review include, but are not limited to:

All enforcement actions are based on a holistic assessment of the Trader’s behaviour, including intent, frequency, and overall pattern consistency.

7.12 Minimum Profitable Days Rule

a) In order to progress through a Challenge stage, request a payout, or request a scaling, the Trader must complete a minimum number of profitable trading days.
b) A ‘Profitable Day’ is defined as a trading day in which the Trader’s account balance at 17:00:00 New York Time (the system day-end) exceeds the previous trading day’s balance by at least the required percentage of the initial capital. This percentage and the required number of profitable days vary depending on account type and stage.

c) Example: On a Two-Step Challenge Account, the Trader must complete at least two (2) profitable days with a minimum 0.5% profit (calculated on initial capital) in each of:

d) This Rule operates in conjunction with the standard payout frequency timer. Even if the minimum profitable days are achieved, Traders must still respect the payout cooldown period (e.g., seven (7) days). Where the profitable days are completed earlier, the Trader may pause trading and return after the cooldown to request payout.

e) Profit for the purposes of this Rule is calculated on account balance (not equity) and measured from the close of one trading day to the close of the next (17:00:00 New York Time to 16:59:59 New York Time).

f) Profitable days are only 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 (e.g., request payout or advancement), without waiting until end-of-day.

g) All relevant data regarding progress toward the minimum profitable days requirement will be displayed transparently within the Trader Dashboard.

h) Failure to meet this requirement shall prevent the Trader from progressing in the Challenge, requesting a payout, or requesting account scaling.

i) This Rule fully replaces the Minimum Stop Loss Distance Rule on legacy accounts. As of 1 October 2025, it shall apply universally to all accounts, including those previously subject to legacy stop-loss distance requirements.

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.

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.

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. a minimum withdrawal amount of USD $10 (or equivalent);
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 seventy-five percent (75%) 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:

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):

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.

9. Instant Funding Accounts

9.1 Fees

a) Instant Funding Accounts are available in either Standard or Aggressive 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.

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.

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 USD $10 (or equivalent),
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:

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

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:

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.

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:

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:

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.

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.

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.

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 (7.13) 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.

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].

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.

10.6 Withdrawing Virtual Profits

a) Pro Traders may request withdrawals immediately upon achieving Funded Status, subject to:
i. a minimum withdrawal amount of USD $10 (or equivalent);
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) Profit Split for Pro Accounts shall be 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.

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.

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.

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:

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

16.6 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.

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.

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.

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.

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.

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.

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.

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.

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.

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 Cyprus.

26.2

Nothing in this Section shall prevent either Party from seeking urgent interlocutory or injunctive relief in the courts of Cyprus 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.

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.

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.

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 Cyprus. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Cyprus.

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.

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.