FINOTIVE FUNDING

Terms and Conditions

1. Introduction, Legal Status, and Acceptance

1.1 Parties and application

These Terms and Conditions (the "Terms") apply to and govern the relationship between the person using the Website or Services (the "Trader", "you" or "your") and Finotive Funding, a trading name of Finotive Funding Technologies Limited, registered in the Dubai International Financial Centre ("DIFC"), Dubai, United Arab Emirates, with registered office at Innovation One Building, Level 2, DIFC, Dubai, United Arab Emirates and Company Registration Number 11088 ("Finotive Funding", "Finotive", "we", "us" or "our"). These Terms apply to the Website, Dashboard, simulated trading accounts, evaluation accounts, simulated funded accounts, Finotive Pay reward payment flows, account monitoring tools, help centre content, support interactions, and any related services made available by Finotive Funding from time to time (together, the "Services").

1.2 Acceptance

By registering, accessing the Website, purchasing any account, using the Dashboard, using a Trading Platform credential issued through Finotive Funding, submitting KYC, requesting a Reward Payment, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not register for, purchase, access, or use any Services. If you have already registered and do not agree to these Terms, you must immediately stop using the Services and contact Finotive Funding Support.

1.3 Simulated and non-executable nature of Services

All accounts provided by Finotive Funding are demo, simulated, notional, and non-executable accounts. Trading activity on such accounts is not placed into live financial markets by Finotive Funding and does not involve the Trader trading with, depositing, or controlling live capital. While execution is simulated, the environment is designed to resemble market conditions and may reflect spreads, slippage, order delay, latency, liquidity limitations, price gaps, market closures, platform interruptions, and other market-like characteristics. These features do not convert the account into a live trading account. All balances, allocations, profits, losses, drawdowns, account sizes, scaling amounts, and related figures displayed in any account are notional and are used solely for evaluation, programme administration, reward calculation, risk control, and simulated performance measurement.

1.4 No financial services, no brokerage, no deposit-taking

The Services are evaluation, educational, simulation, and contractual reward services. Finotive Funding does not provide brokerage services, investment services, investment advice, portfolio management, discretionary trading, execution services, custody services, deposit-taking, credit, collective investment fund services, or any other Financial Service requiring authorisation by the Dubai Financial Services Authority ("DFSA") in respect of the Services. Nothing in these Terms, the Website, Dashboard, FAQ, marketing materials, support communications, chatbot responses, or any other communication should be construed as investment advice, a recommendation to trade, a solicitation to trade live financial instruments, or an offer to accept deposits or manage capital. A Trader may separately choose to access services provided by a Finotive Markets entity, including live trading services, where available and subject to separate onboarding, eligibility, legal terms, regulatory disclosures, KYC/KYB, and risk warnings. Such services are separate from these Finotive Funding Services.

1.5 Group structure and related entities

Finotive Funding Technologies Limited forms part of the Finotive One group structure. Finotive Markets LLC (SVG) may provide or facilitate MT5 infrastructure and platform access. Finotive Markets (MU) Limited holds regulatory permissions from the Financial Services Commission of Mauritius. Both entities sit within the wider Finotive One Limited group structure. Use of a Trading Platform, Finotive Markets service, Finotive Pay service, Finotive Futures service, or any other group service may be subject to separate terms and conditions. These Terms govern Finotive Funding's simulated evaluation and reward services only.

1.6 Legal hierarchy

These Terms, together with any Funded Trader Agreement, Privacy Policy, Refund Policy, Finotive Pay terms, Affiliate Agreement where applicable, account rules, and other policies expressly incorporated by reference, form the agreement between you and Finotive Funding. Where there is any inconsistency between these Terms and any FAQ, help centre article, chatbot response, support message, dashboard tooltip, marketing page, blog post, archived content, social media post, email, promotional page, or third-party description, these Terms prevail. Section 7 prevails over all other trader-facing rule explanations in the event of inconsistency.

1.7 Amendments

Finotive may amend these Terms, the Website, Dashboard, account types, rules, fees, eligibility criteria, Reward Splits, Reward Payment conditions, risk controls, account limits, or any aspect of the Services at any time. Unless a later effective date is specified, changes take effect when published on the Website, Dashboard, or other official Finotive channel. Compliance, risk, security, fraud, prohibited strategy, and platform-integrity updates may apply immediately to existing accounts where Finotive considers this necessary to protect the integrity of the Services, comply with law, prevent abuse, or reduce risk. It is your responsibility to review the Terms regularly. Continued use of the Services after amended Terms are published constitutes acceptance of the amended Terms.

1.8 Governing law and jurisdiction

These Terms, any non-contractual obligations arising out of or in connection with them, and the relationship between the Trader and Finotive Funding are governed by the laws of the Dubai International Financial Centre. Subject to any mandatory law that cannot be excluded, the courts of the Dubai International Financial Centre shall have exclusive jurisdiction to hear and determine any dispute, claim, controversy, or proceedings arising out of or in connection with these Terms, the Services, the Website, the Dashboard, any account, any Reward Payment, or any related matter.

2. Definitions and Interpretation

In these Terms, the following expressions have the meanings set out below unless the context requires otherwise.

Term	Meaning
Account	any simulated account purchased, created, maintained, evaluated, or administered under the Services, including a Trial, Challenge, Pro, Instant Funding Standard, Instant Funding Lite, or Simulated Funded Account.
Account Balance	the notional simulated balance displayed in an Account for evaluation, reward calculation, and rule-monitoring purposes. It is not client money, a deposit, or funds held on behalf of the Trader.
Account Downgrade	the conversion of a Pro Account into the equivalent standard Simulated Funded Challenge Account following a Pro-specific breach, with permanent removal of Pro-specific benefits.
Account Refresh	a paid optional feature that may allow an eligible Simulated Funded Challenge or Pro Account to restart under fresh account conditions, subject to these Terms and Dashboard availability.
Account Reset	an enforcement consequence that restarts the Account from the Initial Account Balance and resets relevant performance metrics. It is not a bonus. Where a Reset is triggered while the Account is below break-even, the Reset may be placed on hold until the Trader recovers the Account Balance to at least break-even.
Affiliate Agreement	the separate agreement governing participation in the Finotive affiliate programme. It applies only to approved affiliates and does not modify trader account rules unless expressly stated.
Business Day	a day other than a Saturday, Sunday, public holiday in the DIFC or UAE, or any other day on which banks in the DIFC are generally closed.
Challenge	a one-step or two-step simulated evaluation account that must be completed before eligibility for a Simulated Funded Account.
Challenge Phase	any stage of a Challenge or Pro Challenge before Simulated Funded Status is granted.
Challenge Phase Progression Report	a report or Dashboard summary provided to a Trader when the Trader successfully completes a Challenge or Pro Challenge stage and progresses to the next stage. It may include performance metrics, rule observations, risk findings, and educational guidance. A finding in such a report does not itself create a Strike, payout reduction, Account Reset, or termination unless the applicable rule expressly provides otherwise.
Compliance Review	a review conducted by Finotive's Compliance team in connection with identity, payments, KYC, location, account control, policy compliance, fraud prevention, sanctions, or legal obligations.
Dashboard	the secure online portal provided by Finotive for registration, account management, rule visibility, account metrics, credentials, KYC, Finotive Pay access, Reward Payment Requests, and related features.
Daily Drawdown	the maximum permitted loss within a trading day, as set out for each account type. The trading day begins at 17:00:00 New York Time and ends at 16:59:59 New York Time the following day.
Enhanced KYC	any additional identity, address, payment, location, account-control, device, call, or due diligence process requested by Finotive.
Finotive Pay	the Finotive ecosystem payment layer through which approved Reward Payments may be credited or made available, subject to separate Finotive Pay terms, eligibility, KYC, compliance, and available methods.
Hard Breach	a breach or event that results in immediate account termination upon confirmation or upon the relevant review outcome. The principal Hard Breach events under the trading rules include Daily Drawdown breach, Maximum Drawdown breach, and accumulation of five cumulative Strikes. Additional conduct may result in a Hard Breach where stated in these Terms or determined following Risk or Compliance review.
Initial Account Balance	the notional starting account balance assigned to the Account when it is created or reset.
Instant Funding Account	a simulated direct-access funded account product that does not require completion of a Challenge Phase before trading begins.
Manual Review	a temporary review state during which Finotive may restrict trading, pause Reward Payment processing, request information, or refer the account to Risk or Compliance. During Manual Review, the Trader may close and manage existing open positions but may not open new positions unless Finotive confirms otherwise.
Maximum Drawdown	the maximum cumulative loss permitted from the Initial Account Balance, as set out for each account type. It is static and does not trail upward with profits.
Minimum Profitable Day	a trading day in which the 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.
Notional Volume Limit	the maximum permitted notional exposure of open positions expressed as a percentage of Account Balance or by reference to the account size and applicable exposure limit.
Open Position Breach Carryover Rule	the rule that breaches caused or triggered by open positions at or around the time of a Reward Payment Request may still affect that Reward Payment Request even if the request has already been submitted.
Payout	a commonly used trader-facing term for a Reward Payment. It does not mean a withdrawal of client money or deposit funds.
Payout Cycle	the calendar period or account period in respect of which eligible simulated profits and rule compliance are assessed for a Reward Payment Request.
Pro Account	a one-step or two-step simulated evaluation account with enhanced Pro benefits, including an initial 80% Reward Split that may increase to 100% after 30 funded days while Pro status is retained, Pro salary eligibility, lower execution commission, and Pro-specific consistency and profitability rules.
Prohibited Behaviour / Strategy	conduct, trading behaviour, account usage, or promotional activity that is abusive, non-reproducible, manipulative, deceptive, non-compliant, or otherwise prohibited. Such conduct may be referred to Risk or Compliance review and may result in account clearance, conditions, payout delay, payout rejection, account closure, forfeiture, permanent ban, or another outcome based on the findings of the review.
Restricted Jurisdiction	a country, territory, region, or location from which Finotive prohibits purchases, KYC, platform access, Finotive Pay access, Reward Payments, withdrawals, continued account access, or any other use of Services.
Reward Payment	a contractual payment from eligible simulated profits in a Simulated Funded Account, subject to these Terms, KYC, compliance, account rules, Finotive Pay terms, and Finotive approval. A Reward Payment may also be referred to as a payout in trader-facing materials.
Reward Payment Request	a request submitted by a Trader to receive a Reward Payment from eligible simulated profits.
Reward Split	the percentage of eligible simulated profits allocated to the Trader as a contractual reward from a Simulated Funded Account, subject to these Terms. It may also be referred to as a profit split in trader-facing materials. It is not a share of live market profit, investment return, client money, or trading revenue from financial markets.
Risk Review	a review by Finotive's Risk team of trading behaviour, trading strategy, account activity, dashboard metrics, platform activity, manual flags, or conduct that may require assessment.
Simulated Funded Account	a simulated account allocated after Challenge completion or through an Instant Funding product, under which eligible simulated profits may be subject to Reward Split and Reward Payment rules. It does not involve live capital.
Simulated Trading	non-live trading activity where orders are not executed in actual financial markets by Finotive Funding and results exist solely for evaluation, account administration, and reward calculation purposes.
Soft Breach	a rule violation that does not necessarily result in immediate account closure but may result in an Early Soft Warning, Formal Warning, Strike, Account Reset, Reward Payment reduction, downgrade, review, or other consequence depending on the rule and account type.
Soft Breach - Immediate Strike	a Soft Breach category where no warning stage applies. Once the breach is confirmed, a Strike is recorded immediately. Examples include a Notional Volume breach and, for Instant Funding accounts, weekend holding without the required add-on.
Soft Breach - Warning-Based Strike	a Soft Breach category where a warning stage may apply before a Strike is recorded. During Challenge and Pro Challenge phases, findings for relevant rules are reported through the Challenge Phase Progression Report rather than real-time warnings.
Soft Breach - Conditional Strike	a Soft Breach category where a condition is identified, but a Strike is recorded only if the Trader submits a Reward Payment Request while the condition remains unresolved.
Strike	a recorded consequence for a confirmed Soft Breach. Five cumulative Strikes result in permanent account closure and no Reward Payment, reduced Reward Payment, pending withdrawal, or Reward Split for that cycle.
Trading Platform	MT5, Match-Trader, or any other electronic trading platform made available by Finotive or a related Finotive entity from time to time for simulated trading or related account access.
Trading Day	the period from 17:00:00 New York Time to 16:59:59 New York Time the following day.

2.1 Interpretation

References to "including" or "includes" are illustrative and do not limit the generality of the words that precede them. References to a Section include all subsections within that Section. Headings are for convenience only and do not affect interpretation. Where a provision gives Finotive discretion, that discretion must be exercised in good faith for a legitimate business, risk, compliance, operational, legal, fraud-prevention, or platform-integrity purpose.

3. Eligibility, Restricted Jurisdictions, and Account Access

3.1 Age and capacity

The Services are available only to individuals who are at least eighteen (18) years old and legally capable of entering into a binding contract in their country or place of residence. Finotive currently does not onboard companies, corporate entities, partnerships, trusts, or other legal persons as Traders, and does not process Reward Payments to corporate accounts. Finotive may introduce corporate or KYB onboarding in the future under separate terms.

3.2 Refusal and restrictions

Finotive may refuse, restrict, suspend, or terminate access to the Services at its discretion where it considers this necessary or appropriate for legal, sanctions, risk, compliance, fraud-prevention, payment, platform-integrity, or business reasons. Finotive is not required to provide detailed reasons where doing so may compromise security, fraud prevention, sanctions controls, or internal monitoring.

3.3 Restricted Jurisdictions

The Services are not available to residents, citizens where legally restricted, persons located in, persons ordinarily operating from, or persons attempting to access or use the Services from any Restricted Jurisdiction. The restrictions apply to registration, purchases, KYC, platform access, Dashboard access, Finotive Pay access, Reward Payment Requests, withdrawals, continued account access, and any other use of Services.

Restricted jurisdiction / territory	Code / note
Cuba	CU
Iran / Islamic Republic of Iran	IR
Russian Federation	RU
Crimea	UA - territory of Ukraine
Sevastopol	UA - territory of Ukraine
Luhansk People's Republic	UA - territory of Ukraine
Donetsk People's Republic	UA - territory of Ukraine
Syrian Arab Republic	SY
North Korea / Democratic People's Republic of Korea	KP
Belarus	BY

Finotive may add, remove, or update Restricted Jurisdictions at any time without prior notice based on sanctions, payment-provider requirements, regulatory obligations, legal risk, fraud risk, risk appetite, operational limitations, or internal compliance requirements. If your location becomes restricted, Finotive may suspend or terminate access and may refuse or delay any pending purchase, KYC, account access, Finotive Pay access, or Reward Payment Request.

3.4 One profile only

Each Trader may maintain only one registered Finotive Funding profile unless Finotive provides express written approval. Creating, maintaining, using, or benefiting from multiple profiles, altered details, third-party details, shared identities, or corporate structures to bypass account limits, affiliate rules, payment controls, discounts, eligibility restrictions, or compliance controls is prohibited and may result in Risk or Compliance review. Possible outcomes include account closure, Reward Payment rejection, forfeiture of unpaid simulated profits, cancellation of associated accounts, refusal of future services, or a Hard Breach outcome.

4. Programmes Offered

Finotive offers simulated trading programmes. Each programme has distinct objectives, risk limits, Reward Payment conditions, Reward Split terms, eligibility criteria, and rule consequences. All programmes remain subject to Section 7 and all other applicable provisions of these Terms.

Programme / feature	Summary
One-Step Challenge Account	A simulated evaluation account requiring achievement of a single profit target and compliance with applicable rules before eligibility for Simulated Funded Status.
Two-Step Challenge Account	A simulated evaluation account requiring completion of two sequential evaluation phases before eligibility for Simulated Funded Status.
Finotive Pro Account	A simulated one-step or two-step evaluation account with Pro-specific benefits, including initial 80% Reward Split, potential 100% Reward Split after 30 funded days, Pro salary eligibility, lower execution commission, and Pro-specific consistency and profitability rules.
Instant Funding Standard	A simulated direct-access funded account with no Challenge Phase, Standard drawdown settings, 75% starting Reward Split, 7-day cooldown after the first eligible Reward Payment, and scaling up to 90% Reward Split.
Instant Funding Lite	A simulated direct-access funded account with different drawdown parameters, 5 Minimum Profitable Days where applicable, 70% starting Reward Split, 14-day cooldown after the first eligible Reward Payment, and scaling up to 85% Reward Split.
Swap-Free Add-On	An optional add-on available where eligible, subject to religious compliance purpose, account rules, swap-free misuse monitoring, and Section 12A.
Weekend Holding Add-On	An optional add-on available where eligible for Instant Funding accounts that permits non-crypto weekend holding subject to all other rules.

Finotive may amend, suspend, withdraw, rename, replace, or discontinue any Programme or feature at any time, provided this does not retrospectively remove a benefit that has already been validly earned and approved unless fraud, breach, error, prohibited conduct, or retrospective enforcement applies.

5. Registration, KYC, Enhanced Due Diligence, and Compliance

5.1 Registration and information accuracy

To use the Services, the Trader must register through the Dashboard and provide all information requested by Finotive. All information provided during registration, purchase, KYC, account use, Reward Payment Requests, support interactions, and compliance checks must be complete, accurate, truthful, current, and not misleading. The Trader must promptly notify Finotive from the registered email address if any information changes. Finotive may request supporting documents at any time.

5.2 KYC and payment ownership

Finotive may require KYC, payment ownership checks, sanctions screening, location verification, address verification, and other onboarding checks before enabling account access, processing Reward Payments, or allowing continued use of the Services. Payment methods must be owned and controlled by the Trader. Third-party payments are prohibited unless expressly approved in writing by Finotive. Suspected third-party payments may result in account suspension, Compliance review, Reward Payment delay, Reward Payment rejection, refund refusal, account closure, or a Hard Breach outcome depending on the circumstances.

5.3 Enhanced KYC and due diligence

Finotive may require Enhanced KYC or additional due diligence at any time. This may include re-completing KYC, submitting additional identity or address documents, confirming payment method ownership, confirming device or location, providing source-of-device information, explaining account access, explaining trading activity, attending a Compliance or Risk Verification Call, completing screen sharing, or providing other information reasonably required by Finotive. If Enhanced KYC is requested, the Trader must complete it within seventy-two (72) hours of the request unless a different written deadline is provided. Failure to complete Enhanced KYC, failure to cooperate, failure to attend a required call, or failure to provide satisfactory information may result in access restriction, Reward Payment rejection, account closure, permanent exclusion, or another compliance outcome.

5.4 VPN, proxy, remote access, and location masking

KYC, Enhanced KYC, Risk Verification Calls, and ordinary account use must take place through stable, consistent, and unmasked network conditions. Use of VPNs, iCloud Private Relay, proxies, remote desktops, anonymisers, IP masking, rapidly changing IPs, or geographically inconsistent connections is prohibited where it prevents or impairs Finotive's ability to verify identity, location, account control, or compliance. If KYC or Enhanced KYC is submitted through a masked or misleading connection, Finotive may fail the verification process, close the account, reject Reward Payments, and refuse refunds.

5.5 Compliance and Risk Verification Calls

A Compliance or Risk Verification Call may be required as part of KYC, Enhanced KYC, Manual Review, Risk Review, Prohibited Behaviour review, or account-control review. Calls may be recorded. The Trader must attend personally, must not receive third-party assistance, must use a device capable of screen sharing, and must comply with all call instructions. If the Trader requires an interpreter, the Trader must request this when booking the call and no later than forty-eight (48) hours before the scheduled call. Finotive may refuse late interpreter requests. Finotive may wait a maximum of five (5) minutes after the scheduled start time. Failure to attend, failure to screen share, third-party presence, late interpreter requests, or refusal to answer reasonable questions may result in failed verification, account suspension, Reward Payment rejection, or account closure.

6. Trading Platforms, Simulated Accounts, and Market-Like Conditions

6.1 Platform access

Finotive Funding may provide access to MT5, Match-Trader, or any other Trading Platform supported by Finotive from time to time. Trading Platform access may be facilitated by Finotive Markets LLC (SVG), Finotive Markets (MU) Limited, another Finotive One group entity, or another approved provider. Finotive Funding itself is not a brokerage and does not provide live execution services through the Finotive Funding Services. Where a Trader separately opens a live account with Finotive Markets or another Finotive group entity, that relationship is separate and subject to separate terms, eligibility, KYC, risk warnings, and regulatory disclosures.

6.2 Login credentials and account security

Dashboard and Trading Platform credentials are personal to the Trader, non-transferable, and must not be shared. The Trader is responsible for safeguarding credentials, devices, email accounts, two-factor authentication, payment methods, and all activity conducted through the account. If credentials are compromised, the Trader must notify Finotive immediately. Finotive may suspend, restrict, reset, or review the account to protect the account and investigate potential unauthorised use.

6.3 Market-like trading conditions

Although all Finotive Funding accounts are simulated, the trading environment may reflect market-like conditions, including spreads, commissions, slippage, latency, execution delays, gaps, quote absence, market closure, liquidity constraints, technical interruption, or platform maintenance. Finotive is not liable for losses, failed objectives, missed Reward Payments, or account consequences arising from such conditions except to the extent liability cannot lawfully be excluded.

6.4 Leverage, margin, and buying power

Maximum platform leverage and margin rates are applied at Programme level and may vary by instrument, platform, market conditions, liquidity, volatility, account type, or risk controls. The indicative maximum leverage settings are:

Programme	Indicative maximum platform leverage
Challenge Accounts	Up to 1:100
Pro Accounts	Up to 1:50
Instant Funding Standard	Up to 1:33
Instant Funding Lite	Up to 1:25

Buying power, margin usage, and effective exposure may be affected by margin rates, platform leverage, Notional Volume Limits, open positions, account equity, instrument specifications, and internal risk controls. Platform leverage does not override Notional Volume Limits, drawdown limits, exposure limits, or any other rule. Finotive may amend leverage, margin, symbol availability, commissions, or trading conditions at any time in response to market, liquidity, operational, compliance, or risk requirements.

6.5 Internal risk management

Finotive or a Finotive group entity may, at its sole discretion, hedge, offset, aggregate, analyse, or otherwise manage exposure related to simulated trading activity for internal risk management. The Trader has no right, interest, entitlement, or claim in respect of any such internal activity, and Reward Payments remain limited to those expressly provided under these Terms.

7. Trading Rules and Account Conduct

7.1 General rule hierarchy

This Section 7 governs all trading activity, account conduct, risk management obligations, dashboard rule monitoring, manual review triggers, and enforcement consequences applicable to Finotive Funding accounts. Where any provision of this Section 7 conflicts with any FAQ, Dashboard tooltip, chatbot response, support message, marketing page, or platform notification, this Section 7 prevails. All trading must reflect responsible, risk-managed, and market-aligned behaviour. Finotive may assess individual trades, groups of trades, open positions, closed positions, account patterns, device/IP activity, payment activity, and the Trader's overall conduct when determining compliance.

7.2 General prohibited and restricted conduct

The following conduct is restricted or prohibited and may result in warnings, findings in a Challenge Phase Progression Report, Manual Review, Risk Review, Compliance Review, Reward Payment reduction, Reward Payment rejection, Account Reset, Account Downgrade, account closure, forfeiture, permanent exclusion, or another outcome under these Terms:

• Bypassing allocation limits using multiple profiles, false details, third parties, corporate structures, shared accounts, or other circumvention methods.
• Opening or maintaining offsetting, hedged, or materially correlated positions across accounts in a way designed to manipulate drawdown, equity, exposure, performance metrics, or Reward Payment eligibility.
• Coordinating, mirroring, or materially aligning trades with another user, group, signal provider, master account, challenge-passing service, or third-party arrangement.
• Using unauthorised third-party services, account managers, signal providers, trade managers, challenge-passing services, Expert Advisors, or copy-trading tools not genuinely owned and controlled by the Trader.
• Engaging in latency arbitrage, execution abuse, stale-price trading, toxic flow, delayed-price exploitation, feed discrepancy exploitation, or other infrastructure manipulation.
• News straddling or volatility exploitation around Red or Amber events, earnings events, or geopolitical events where the strategy is designed to exploit short-term price spikes rather than express a genuine directional market view.
• Swap-Free account misuse where the strategy materially depends on avoiding swap costs rather than genuine market direction.
• Systematically targeting low-liquidity conditions, widened spreads, or execution inefficiencies.
• High-frequency trading on Instant Funding accounts where the applicable HFT thresholds are met.
• Realised-Loss Recovery Over-Sizing that suggests gambling-style recovery behaviour and may trigger internal Risk Review.
• Account access anomalies, shared access, device overlaps, IP overlaps, location anomalies, or any activity that raises concerns about account control, identity, collusion, or fraud.
• Inactivity for thirty (30) consecutive calendar days.

7.3 Challenge and Pro Challenge reporting

During the Challenge and Pro Challenge phases, Finotive will not issue real-time dashboard alerts, email alerts, platform notifications, Early Soft Warnings, Formal Warnings, or Conditional Strike indicators for Warning-Based Strike or Conditional Strike rules unless the applicable rule expressly provides otherwise. Relevant findings relating to those rules may instead be included in a Challenge Phase Progression Report when the Trader successfully completes the applicable stage and progresses to the next stage. Such findings are educational and risk-management guidance. They do not create a Strike, Reward Payment reduction, Account Reset, or termination during the completed Challenge or Pro Challenge stage unless the applicable rule expressly provides an immediate Challenge-phase consequence. This restriction does not apply to Daily Drawdown, Maximum Drawdown, Notional Volume, profit targets, Minimum Profitable Days, Hard Breaches, Risk or Compliance reviews, Enhanced KYC, account-security reviews, identity reviews, payment reviews, or any provision that expressly requires immediate review, notification, restriction, or enforcement. Key performance and risk metrics may remain visible in the Dashboard.

7.4 Daily Drawdown

Daily Drawdown limits restrict the maximum permitted loss in a 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, the Daily Drawdown threshold is recalculated by reference to the previous Trading Day's closing balance. Open equity and floating losses are included. A Daily Drawdown breach is a Hard Breach and results in immediate account closure. There is no warning and no Strike.

Account type	Daily Drawdown limit
1-Step Challenge	4.0%
2-Step Challenge	4.5%
Instant Funding Standard	3.5%
Instant Funding Lite	3.0%
1-Step Pro	4.0%
2-Step Pro	5.0%

7.5 Maximum Drawdown

Maximum Drawdown restricts cumulative losses from the Initial Account Balance. It is static and does not trail upward with profits. Open equity and floating losses are included. A Maximum Drawdown breach is a Hard Breach and results in immediate and permanent account closure. There is no warning and no Strike.

Account type	Maximum Drawdown limit
1-Step Challenge	7.5%
2-Step Challenge	9.0%
Instant Funding Standard	7.0%
Instant Funding Lite	6.0%
1-Step Pro	8.0%
2-Step Pro	10.0%

7.6 Notional Volume Limit

The Notional Volume Limit controls the maximum permitted open notional exposure for the Account. It is separate from platform leverage, margin usage, and buying power. A trade may be permitted by margin but still exceed the Notional Volume Limit. The Dashboard Notional Volume Calculator provides real-time guidance on maximum position size, taking into account account size, balance, open positions, and other relevant risk parameters. The Trader is responsible for checking exposure before opening trades.

Account size	Notional Volume Limit	Maximum open notional exposure
$2,500	5,000%	$125,000
$5,000	4,000%	$200,000
$10,000	3,000%	$300,000
$25,000	2,500%	$625,000
$50,000	2,000%	$1,000,000
$100,000	1,250%	$1,250,000
$200,000	1,000%	$2,000,000

Platform leverage, margin settings, and effective buying power may differ from the above exposure limits. The Notional Volume Limit is an additional risk-control rule and does not represent platform leverage. A Notional Volume breach is a Soft Breach - Immediate Strike with no warning stage. In the Challenge or Pro Challenge phase, it results in one (1) Strike and an Account Reset. If the Account Balance is below break-even, the Reset is placed on hold until the Trader returns the Account Balance to at least break-even. In a Simulated Funded Challenge, Simulated Funded Pro, or Instant Funding Account, it results in one (1) Strike and Reward Payment reduction to 10% for the relevant Payout Cycle. Five cumulative Strikes result in permanent account closure.

7.7 Weekend Holding

This rule applies to Instant Funding accounts only. Weekend holding on Instant Funding accounts is not permitted by default for non-crypto positions unless the Weekend Holding Add-On is active. Traders without the Weekend Holding Add-On must close all non-crypto positions before the Friday market close at 17:00:00 New York Time. Finotive may send an automatic reminder, but the Trader remains solely responsible for closing positions in time. Finotive recommends closing non-crypto positions at least ten (10) minutes before the cutoff. A breach is a Soft Breach - Immediate Strike. Each confirmed breach results in one (1) Strike and Reward Payment reduction to 10% for the relevant Payout Cycle. Five cumulative Strikes result in permanent account closure.

7.8 Floating Drawdown

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 and assessed on a combined basis per symbol.

7.8.1 Instant Funding

On Instant Funding accounts, the Floating Drawdown threshold is 1.5% of the Initial Account Balance. A Dashboard or platform reminder may appear at 1.0%. The first confirmed Floating Drawdown breach results in a Formal Warning only. From the second confirmed breach onward, each separate qualifying event results in one (1) Strike and Reward Payment reduction to 10% for the relevant Payout Cycle. Only one Strike may be issued per trade or instrument event. Continued drawdown on the same open position does not create additional Strikes.

7.8.2 Challenge and Pro Challenge

During Challenge and Pro Challenge phases, the Floating Drawdown threshold is 2.0% of the Initial Account Balance. Reaching the threshold does not result in a real-time alert, email alert, platform notification, soft warning, Strike, Account Reset, Reward Payment reduction, or account closure. Relevant findings may be included in the Challenge Phase Progression Report.

7.8.3 Funded Challenge and Funded Pro

Once a Challenge or Pro account reaches Simulated Funded Status, the 2.0% Floating Drawdown threshold is enforced. A reminder may appear at 1.5%. A confirmed breach results in one (1) Strike and Reward Payment reduction to 10% for the relevant Payout Cycle. Only one Strike may be issued per trade and instrument combination. Five cumulative Strikes result in permanent account closure.

7.9 News Straddling

Trading during high-impact news is permitted if the trade reflects a genuine directional market view and is not designed solely to exploit volatility, short-term price spikes, execution delay, or market inefficiency. The Trader must not place straddled, offsetting, or equivalent hedged exposure on the same or correlated instruments within fifteen (15) minutes before or after Red or Amber events on the Forex Factory Calendar, earnings events, or geopolitical news events where the purpose is to capture volatility rather than express a genuine directional view. News straddling is Prohibited Behaviour / Strategy and may be referred to Risk and Compliance review.

7.10 Third-party tools, signal services, trade copiers, and Expert Advisors

The Trader may use commercial trade copier tools to copy the Trader's own trades between accounts, including from an external broker or prop firm account into a Finotive Funding account, provided the master account, trading strategy, and trading decisions are genuinely owned and controlled by the Trader. The following are Prohibited Behaviour / Strategy: copying trades from third-party accounts or shared master accounts; using signal providers, account managers, challenge-passing services, or third-party trading groups; allowing any external person or service to direct trading; using trade-copying arrangements where ownership and control cannot be proven; and using Expert Advisors or automated strategies not genuinely developed, owned, and controlled by the Trader. Finotive may request verification, Enhanced KYC, a compliance interview, a live demonstration, or evidence of ownership and control at any time. Failure to cooperate or failure to prove ownership and control may result in account closure and Reward Payment rejection.

7.11 Latency arbitrage and execution abuse

Trading activity that exploits delayed prices, stale quotes, out-of-sync prices, price-feed discrepancies, order-processing delays, execution latency, system timing, quote absence, or infrastructure inefficiencies is prohibited. Assessment may include execution timestamps, prevailing market quotes, price deviation, slippage asymmetry, frequency, and profitability during quote absence or delayed-price conditions. Latency arbitrage and execution abuse are Prohibited Behaviour / Strategy and may be referred to Risk and Compliance review.

7.12 Swap-Free account misuse

Swap-Free accounts are available only where eligible and must be used for genuine trading purposes. They must not be used primarily to benefit from the absence of overnight financing costs, avoid negative swaps, or run a strategy that materially depends on swap-free conditions rather than genuine market direction. For detection purposes, Finotive may treat swap-free misuse as indicated where a Trader opens positions before the daily rollover period, closes them after the rollover period, and generates a material proportion of Payout Cycle or review-period profit from such rollover-crossing trades. Swap-Free misuse is referred to Risk and Compliance review and may result in a Hard Breach outcome, account closure, Reward Payment rejection, forfeiture of unpaid simulated profits, or removal of Swap-Free status depending on the findings.

7.13 Realised-Loss Recovery Over-Sizing

After a position or group of positions on an instrument closes with a cumulative realised loss, opening a new position or group of positions on the same instrument and in the same direction with cumulative volume of at least twice the confirmed losing reference volume may place the account under internal Risk Review. Positions on the same instrument and in the same direction that form part of the same trading sequence are assessed cumulatively.

7.13.1 Combined positions and partial closures

Positions on the same instrument and in the same direction that overlap as part of the same trading sequence are treated as one combined position. Where positions are opened or closed in multiple parts, their volumes and realised results are calculated cumulatively. A combined position remains active until all positions forming part of the trading sequence have been closed. A partial closure does not create a separate position or a separate recovery sequence. Positions already open as part of the original combined position will not be treated as new recovery positions merely because one part of the combined position closes before another.

7.13.2 Confirmed losing reference volume

When the original position or combined position is fully closed: if the cumulative realised result is a loss, its cumulative closed volume becomes the confirmed losing reference volume; if the cumulative realised result is zero or profitable, no losing reference volume is created and the sequence ends. Only a new position or group of positions opened after the losing reference position or combined position has closed is assessed as a potential recovery position. The new position or group of positions must be on the same instrument and in the same direction as the confirmed losing reference position.

7.13.3 Volume assessment

Where the new position is opened through multiple entries, all same-instrument and same-direction entries forming part of the same trading sequence are assessed cumulatively. A potential case may arise where the cumulative volume of the new position or group of positions is at least twice the confirmed losing reference volume. Partial closure of the new position does not reduce the cumulative opened volume used for this assessment.

7.13.4 Purpose, review, and reset

This rule is intended to identify potential gambling-style recovery over-sizing. It does not automatically prohibit normal fixed-risk trading, structured position sizing, or a genuine new trading setup. A potential case does not result in an automatic Strike, Conditional Strike, Formal Warning, or automatic Reward Payment reduction. Where a potential case is identified, Finotive's Risk team will review the relevant trading activity. If no action is required, the review may be closed with no further action. If there is cause for concern, possible outcomes may include trading-style guidance by email or Dashboard notice, account pause, Risk call, account active subject to conditions, Reward Payment approval, Reward Payment delay, Reward Payment rejection, permanent account closure, forfeiture of unpaid simulated profits, or another decision based on the findings. The sequence resets at 17:00 New York Time each Trading Day. A losing position from the previous Trading Day will not be used as the reference for a new sequence after the daily reset unless a relevant combined position remains open at the reset time. The sequence also resets at the end of each Payout Cycle. A relevant combined position that remains open may be carried forward into the next Trading Day or Payout Cycle for assessment until it is fully closed or the sequence is otherwise resolved.

7.14 Scalping

Prohibited scalping is identified where either: (a) 40% or more of closed trades in a Payout Cycle have a holding time of 120 seconds or less; or (b) 20% or more of total positive realised profit in the Payout Cycle is generated from trades held for 120 seconds or less. During Challenge and Pro Challenge phases, no real-time alert or Conditional Strike indicator is issued. Relevant findings may be included in the Challenge Phase Progression Report. During Funded Challenge, Funded Pro, and Instant Funding Payout Cycles, the Dashboard may display a warning and a pop-up confirmation may appear at the Reward Payment Request stage if the condition remains active. The Trader may continue trading to reverse the condition before submitting a Reward Payment Request. If the Trader submits a Reward Payment Request while the condition remains active, one (1) Conditional Strike is recorded and the Reward Payment for that Payout Cycle is reduced to 10%. Five cumulative Strikes result in permanent account closure.

7.15 Disproportionate Single-Trade Profit Dependency

This rule applies to Instant Funding Standard and Instant Funding Lite only. A condition 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. The rule is assessed at Reward Payment Request stage, although a Dashboard indicator may appear earlier. A single large winning trade is not automatically prohibited; however, a Reward Payment cycle must not be materially dependent on one winning trade. If the Trader submits a Reward Payment Request while the condition remains active, one (1) Conditional Strike is recorded and the Reward Payment for that Payout Cycle is reduced to 10%. Five cumulative Strikes result in permanent account closure.

7.16 Excessive One-Sided Position Concentration

Excessive One-Sided Position Concentration is identified where the Trader has executed at least ten (10) closed trades during a Payout Cycle and either: (a) 70% or more of those closed trades are on the same symbol and in the same direction; or (b) 70% or more of total exposure is on the same symbol and in the same direction. The related Dashboard metric may be displayed as Most-Exposed Direction. This rule does not require a 50/50 buy/sell balance and does not prohibit trading one instrument. It monitors excessive same-symbol and same-direction concentration. During Challenge and Pro Challenge phases, no real-time alert or Conditional Strike indicator is issued. Relevant findings may be included in the Challenge Phase Progression Report. During Funded Challenge, Funded Pro, and Instant Funding Payout Cycles, a pop-up confirmation may appear at the Reward Payment Request stage if the condition remains active. The Trader may continue trading to reverse the condition before submitting a Reward Payment Request. If the Trader submits a Reward Payment Request while the condition remains active, one (1) Conditional Strike is recorded and the Reward Payment for that Payout Cycle is reduced to 10%. Five cumulative Strikes result in permanent account closure.

7.17 Liquidity Abuse

Liquidity Abuse means systematically targeting low-liquidity conditions, widened spreads, or execution inefficiencies. A condition may be 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. Global instruments are monitored for the 22:00:00 - 01:59:59 UTC window. Asian instruments, including Hang Seng Index and Nikkei where applicable, are monitored for the 22:00:00 - 00:59:59 UTC window. Each window is assessed independently based on the instrument traded. During Challenge and Pro Challenge phases, no real-time alert or Conditional Strike indicator is issued. Relevant findings may be included in the Challenge Phase Progression Report. During Funded Challenge, Funded Pro, and Instant Funding Payout Cycles, if the Trader submits a Reward Payment Request while the condition remains active, one (1) Conditional Strike is recorded and the Reward Payment for that Payout Cycle is reduced to 10%. Five cumulative Strikes result in permanent account closure.

7.18 High-Frequency Trading

The specific High-Frequency Trading rule applies to Instant Funding Standard and Instant Funding Lite only. HFT is prohibited where either: (a) 30% or more of closed trades have a holding time of less than 60 seconds, with at least ten (10) closed trades required before assessment; or (b) five (5) or more trades are opened within any 10-second interval. HFT is Prohibited Behaviour / Strategy and may be referred to Risk and Compliance review. Finotive may provide Dashboard visibility, warnings, countdown timers, or other UI elements to help Traders understand the metric, but such UI does not limit Finotive's right to conduct review.

7.19 IP, device, login, location monitoring, and Enhanced KYC

Finotive may monitor IP addresses, device identifiers, login timestamps, location data, payment data, browser/device fingerprints, platform access, and account activity to detect account sharing, identity issues, coordinated trading, cross-account abuse, payment concerns, fraud, and suspicious access. Where account access patterns raise reasonable concerns, Finotive may request Enhanced KYC, restrict access, pause Reward Payments, or place the account under Manual Review. Failure to complete required checks may result in account closure and Reward Payment rejection.

7.20 Inactivity

Inactivity means thirty (30) consecutive calendar days without executing any trade on the relevant Account. Inactivity is Prohibited Behaviour / Strategy. When the inactivity threshold is reached, Finotive may notify the Trader and permanently close the Account. Any linked Reward Payment Request may be rejected.

7.21 Minimum Profitable Days

To progress through a Challenge stage, request a Reward Payment, or request account scaling where applicable, the Trader must complete the required number of Minimum Profitable Days for the relevant account type and stage. A Minimum Profitable Day is measured from 17:00:00 New York Time to 16:59:59 New York Time the following day and requires the Account Balance at 17:00:00 New York Time to exceed the previous Trading Day's closing balance by at least 0.5% of the Initial Account Balance.

Account / stage	Minimum Profitable Days
1-Step Challenge - Challenge stage	3
2-Step Challenge - Phase 1	2
2-Step Challenge - Phase 2	2
1-Step Pro - Pro Challenge stage	3
2-Step Pro - Phase 1	2
2-Step Pro - Phase 2	2
Instant Funding Lite	5
Instant Funding Standard	0

Minimum Profitable Days do not shorten any Reward Payment cooldown or Payout Cycle. If Minimum Profitable Days are completed before a cooldown expires, the Trader may pause trading and return when eligible.

7.22 Strike system

The Strike system tracks cumulative Soft Breach consequences on each Account. Five cumulative Strikes result in permanent account closure and no Reward Payment, reduced Reward Payment, pending withdrawal, or Reward Split for that cycle. Where any Strike would become the fifth cumulative Strike, the five-Strike Hard Breach outcome applies instead of a 10% reduced Reward Payment. Strike history is cleared when a Challenge or Pro account reaches Simulated Funded Status, provided five Strikes have not already been accumulated.

Strike category	Challenge / Pro Challenge	Funded Challenge / Funded Pro	Instant Funding
Immediate Strike	Account Reset where applicable, such as Notional Volume breach	1 Strike + Reward Payment reduced to 10%	1 Strike + Reward Payment reduced to 10%
Warning-Based Strike	No real-time alert; findings may appear in Challenge Phase Progression Report	1 Strike + Reward Payment reduced to 10% from first funded breach	Formal Warning on first breach; from second breach 1 Strike + Reward Payment reduced to 10%
Conditional Strike	No real-time alert; findings may appear in Challenge Phase Progression Report	If unresolved at Reward Payment Request: 1 Strike + Reward Payment reduced to 10%	If unresolved at Reward Payment Request: 1 Strike + Reward Payment reduced to 10%

7.23 Account Refresh and Account Reset

An Account Refresh is a paid option that may allow an eligible funded Challenge or funded Pro Account to restart under fresh conditions where the Account is active and within the relevant drawdown conditions. A Refresh is subject to Dashboard availability, payment of the applicable fee, and Finotive approval. An Account Reset returns the Account to its Initial Account Balance and resets relevant performance metrics. Under these Terms, a Reset is primarily used where the Notional Volume Limit is breached during Challenge or Pro Challenge phases. If the Account Balance is below break-even at the time a Reset would otherwise apply, the Reset is placed on hold until the Trader recovers to at least break-even. Finotive may refuse, delay, or suspend a Reset or Refresh where repeated activity indicates abusive, highly speculative, non-replicable, or manipulative behaviour.

7.24 Enforcement, retrospective review, and manual review outcomes

Breaches, prohibited conduct, review triggers, or risk concerns may be enforced retrospectively if discovered after the relevant event, including after a Reward Payment has been processed. Finotive may reverse a Reward Payment, reclaim scaling benefits, adjust Reward Splits, or take other action if the benefit arose from breached or non-compliant activity. During Manual Review, Finotive may restrict account access, pause Reward Payment processing, request additional information, or require a Risk or Compliance Verification Call. During the Manual Review period, the Trader may close and manage existing open positions but may not open new positions unless Finotive confirms otherwise. Possible outcomes from Risk or Compliance review include the account being cleared, the account remaining active subject to conditions, Reward Payment approval, Reward Payment delay, Reward Payment rejection, permanent account closure, forfeiture of unpaid simulated profits, permanent exclusion, or another decision reasonably determined by Finotive based on the findings.

8. Challenge Accounts

8.1 Fees and access

Challenge Accounts are available in one-step or two-step formats and may be denominated in USD, EUR, GBP, or any other currency Finotive introduces. Fees are published on the Website, checkout, or Dashboard at the time of purchase and must be paid in full before access is granted. Fees are non-refundable except where expressly stated in these Terms.

8.2 Objectives and progression

The Trader's objective is to achieve the applicable profit target, complete the applicable Minimum Profitable Days, close all open positions, and comply with Section 7.

Challenge type	Phase 1 target	Phase 2 target
1-Step Challenge	10%	Not applicable
2-Step Challenge	7.5%	5.0%

When the objective is met, the Trader may request progression through the Dashboard. Finotive may review the Account for compliance before granting progression or Simulated Funded Status.

8.3 Reward Payments on Challenge-Funded Accounts

A Trader who has achieved Simulated Funded Status may submit a Reward Payment Request from eligible simulated profits if all conditions are met. The first Reward Payment Request is available on demand once the Account is in Simulated Funded Status and eligible under these Terms. After the first approved Reward Payment, a seven (7) calendar day cooldown applies between subsequent Reward Payment Requests unless the Dashboard specifies otherwise. For 2-Step Challenge-Funded Accounts, no minimum Reward Payment Request amount applies and the 1% minimum rule does not apply. For 1-Step Challenge-Funded Accounts, the minimum Reward Payment Request amount is 1% of the Initial Account Balance, capped at USD 100. This means the minimum required amount is the lower of 1% of the Initial Account Balance or USD 100. All open positions must be closed before submitting a Reward Payment Request. KYC, compliance review, Section 7 compliance, and applicable Minimum Profitable Days must be satisfied.

8.4 Reward Split

The standard initial Reward Split for Challenge-Funded Accounts is eighty percent (80%). The Reward Split may increase through scaling up to a maximum of ninety-five percent (95%), subject to eligibility, account status, promotions, and these Terms.

8.5 Refund

A Challenge account fee refund is available only where the Trader achieves Simulated Funded Status and the Account remains in net profit on the thirtieth (30th) day after Simulated Funded Status is granted. The refund is automatic where eligibility is met and is returned to the original payment method. The refund is not contingent on the Trader requesting or receiving a Reward Payment. No refund is available if a Hard Breach, fraud, prohibited conduct, false information, chargeback, or other breach occurs before the refund date.

8.6 Scaling and Refresh

Challenge-Funded Accounts may be eligible for scaling on a rolling ninety (90) day Scaling Cycle. Requirements include at least fifty (50) trades, no more than 7.5% of total net profit from any single trade, achievement of the applicable 90-day target, at least two (2) out of three (3) profitable months, and full compliance with Section 7. The 90-day scaling targets are 12% for 1-Step Challenge and 10% for 2-Step Challenge. Balance progression increases by 30% per successful Scaling Cycle, subject to the published Dashboard schedule and a maximum per-account scaled balance of USD 680,000 unless amended by Finotive. Eligible funded Challenge Accounts may request up to three Account Refreshes per funded account where the Account is active and within 10% of the Maximum Drawdown threshold, subject to Dashboard availability, the published refresh fee, and Finotive approval.

9. Instant Funding Accounts

9.1 Fees and access

Instant Funding Accounts are available in Standard and Lite variants and may be denominated in USD, EUR, GBP, or any other currency Finotive introduces. Fees are published on the Website, checkout, or Dashboard at the time of purchase and are non-refundable except where Finotive's own cooling-off conditions apply.

9.2 Objectives

Instant Funding Accounts have no Challenge Phase and no staged profit target. The Trader may trade once the Account is enabled after purchase and required KYC, subject to all account rules, risk limits, Reward Payment conditions, and compliance requirements.

9.3 Reward Payments

The first Reward Payment Request is available on demand once the Instant Funding Account has generated eligible simulated profits and all Reward Payment conditions are met. After the first approved Reward Payment, the cooldown between subsequent Reward Payment Requests is seven (7) calendar days for Instant Funding Standard and fourteen (14) calendar days for Instant Funding Lite unless the Dashboard specifies otherwise. All Instant Funding variants, including Instant Funding Standard and Instant Funding Lite, require a minimum Reward Payment Request of 1% of the Initial Account Balance. No USD cap applies. All open positions must be closed before submitting a Reward Payment Request. KYC, compliance review, Section 7 compliance, and applicable Minimum Profitable Days must be satisfied. Instant Funding Standard has zero (0) Minimum Profitable Days. Instant Funding Lite has five (5) Minimum Profitable Days.

9.4 Reward Split

Instant Funding type	Initial Reward Split	Maximum Reward Split
Instant Funding Standard	75%	90% through scaling
Instant Funding Lite	70%	85% through scaling
Instant Funding Standard may scale 75% to 80% to 85% to 90%. Instant Funding Lite may scale 70% to 75% to 80% to
85%. Reward Split changes are subject to scaling eligibility, account status, promotions, and these Terms.

9.5 Scaling

Instant Funding Accounts may be eligible for scaling on a rolling ninety (90) day Scaling Cycle. Requirements include at least fifty (50) trades, no more than 5% of net profit from a single trade, achievement of the 15% 90-day scaling target, all three months of the Scaling Cycle being profitable, no Hard Breach, and full compliance with Section 7. Balance progression increases by 30% per successful Scaling Cycle, subject to the published Dashboard schedule and a maximum per-account scaled balance of USD 340,000 unless amended by Finotive.

10. Pro Accounts

10.1 Fees and access

Pro Accounts are available in one-step and two-step formats. Fees are published on the Website, checkout, or Dashboard at the time of purchase and must be paid before access is granted. Fees are non-refundable except where expressly stated in these Terms.

10.2 Objectives and progression

Pro account type	Phase 1 target	Phase 2 target
1-Step Pro	10%	Not applicable
2-Step Pro	7.5%	5.0%
To progress, the Trader must reach the applicable target, complete the applicable Minimum Profitable Days, close all
open positions, and comply with Section 7.

10.3 Pro Reward Payments

A Pro Trader may submit a Reward Payment Request after achieving Simulated Funded Status and meeting all payout conditions. The first Reward Payment Request is available on demand once the Account is in Simulated Funded Status and eligible under these Terms. After the first approved Reward Payment, a seven (7) calendar day cooldown applies between subsequent Reward Payment Requests unless the Dashboard specifies otherwise. For 2-Step Pro Accounts in Simulated Funded Status, no minimum Reward Payment Request amount applies and the 1% minimum rule does not apply. For 1-Step Pro Accounts in Simulated Funded Status, the minimum Reward Payment Request amount is 1% of the Initial Account Balance, capped at USD 100. This means the minimum required amount is the lower of 1% of the Initial Account Balance or USD 100. All open positions must be closed before submitting a Reward Payment Request. KYC, compliance review, Section 7 compliance, and applicable Minimum Profitable Days must be satisfied.

10.4 Pro Reward Split and execution commission

The initial Reward Split for Pro Accounts is eighty percent (80%). The Reward Split increases to one hundred percent (100%) after thirty (30) funded days, provided the Account retains Pro status and remains compliant. Pro Accounts receive a twenty-five percent (25%) lower trade execution commission compared with the equivalent standard settings, subject to platform availability, instrument settings, and any changes published by Finotive or shown in the Dashboard.

10.5 Pro salary

Pro Accounts include a salary entitlement equal to one percent (1%) of purchased capital for each rolling thirty (30) calendar day period, accruing daily from the date the Trader achieves Simulated Funded Status and payable monthly while Pro status is retained. If a Pro Account is lost solely because of Daily Drawdown, Maximum Drawdown, or accumulation of Strikes, salary already accrued before closure remains payable, subject to KYC, compliance, payment availability, and these Terms. If the Account is closed, suspended, or terminated due to fraud, prohibited conduct, account misuse, false information, manual review outcome, compliance issue, chargeback, sanctions issue, or other serious breach, Finotive may withhold unpaid salary and any related Reward Payment.

10.6 Pro consistency and profitability

Pro Accounts are subject to Pro-specific consistency and profitability rules from the thirty-first (31st) funded day. Weekly trade count and instrument volume must remain within +/-25% of the averages recorded during both the Pro Challenge phase and the first thirty (30) funded days. Top five instruments by traded volume and "Other" instruments must remain within +/-25% of historical allocation. Within each rolling ninety (90) day period, the Trader must generate a combined realised and unrealised profit of at least five percent (5%) of the Initial Account Balance, including Reward Payments already made and unrealised profit or loss. Breach of the Pro consistency rule or quarterly profitability rule results in Account Downgrade to the equivalent standard Simulated Funded Challenge Account. All Pro benefits, including 100% Reward Split, Pro salary entitlement, Pro commission benefit, and other Pro perks, are permanently removed from that Account.

10.7 Trading breaks

A Pro Trader may schedule one Trading Break per rolling ninety (90) day cycle. Each Trading Break lasts seven (7) calendar days, cannot be stacked, and cannot be carried forward. During a Trading Break, trading is disabled and Pro consistency rules are not enforced. Requests must be submitted to [email protected] at least seventy-two (72) hours in advance.

10.8 Pro scaling

Funded Pro Accounts may be eligible for scaling on a rolling ninety (90) day Scaling Cycle. Requirements include at least fifty (50) trades, no more than 5% of net profit from a single trade, the applicable 90-day Pro scaling target, all three months of the Scaling Cycle being profitable, no Hard Breach, and full compliance with Section 7. The 90-day scaling targets are 12% for 1-Step Pro and 10% for 2-Step Pro. Balance progression increases by 30% per successful Scaling Cycle, subject to the published Dashboard schedule and a maximum per-account scaled balance of USD 680,000 unless amended by Finotive. The Pro Reward Split follows Section 10.4 and remains subject to Pro status.

11. Account Limits and Allocation

Finotive imposes limits on purchased capital and scaled allocations to protect systemic integrity and risk management. Traders may hold multiple Accounts only through their single approved profile and only within the applicable limits.

Programme	Maximum purchased capital	Maximum scaled allocation
Challenge Accounts	USD 600,000	USD 2,040,000
Pro Accounts	USD 600,000	USD 2,040,000
Instant Funding Standard	USD 200,000	USD 680,000
Instant Funding Lite	USD 200,000	USD 680,000

Finotive may impose lower limits for a Trader based on risk profile, breach history, payment behaviour, jurisdiction, account behaviour, or compliance concerns. Attempts to bypass account limits through multiple profiles, false details, third parties, corporate structures, shared accounts, or related persons are prohibited and may result in Risk or Compliance review with possible Hard Breach outcome.

12. Reward Payments, Finotive Pay, and Payments

12.1 Finotive Pay

All approved Reward Payments are credited to the Trader's Finotive Pay balance or otherwise made available through an approved payment method. Finotive Pay is the payment layer of the Finotive ecosystem and is subject to its own separate terms, eligibility, KYC, compliance, jurisdiction, and operational requirements. Finotive Pay availability, withdrawal methods, currencies, transfer options, fees, processing times, and supported jurisdictions may change from time to time. Finotive Funding is not responsible for any delay, rejection, restriction, fee, conversion, or limitation arising from Finotive Pay terms, payment-provider requirements, sanctions controls, or compliance obligations.

12.2 Reward Payment conditions

A Reward Payment Request is eligible only where all applicable conditions are satisfied. These may include eligible simulated profits, minimum Reward Payment Request amount, Payout Cycle/cooldown, Minimum Profitable Days where applicable, KYC, Enhanced KYC, compliance checks, Finotive Pay eligibility, open positions being closed, Section 7 compliance, and absence of unresolved review, breach, fraud, payment, sanctions, or account-control concerns. Finotive may withhold, delay, adjust, reduce, reject, reverse, or reclaim any Reward Payment where it reasonably suspects fraud, breach, prohibited conduct, non-compliance, payment issues, account-control concerns, sanctions issues, system error, pricing error, or where Risk or Compliance review is pending.

12.3 Minimum Reward Payment Request rules

Account type	Minimum Reward Payment Request
Instant Funding Standard, Instant Funding Lite, and any Instant Funding variant	1% of Initial Account Balance. No USD cap applies.
2-Step Challenge-Funded	1% of Initial Account Balance. No USD cap applies.
2-Step Pro	1% of Initial Account Balance. No USD cap applies.
1-Step Challenge-Funded	1% of Initial Account Balance. No USD cap applies.
1-Step Pro	1% of Initial Account Balance. No USD cap applies.

12.4 Payment methods and currencies

Fees may be paid using the approved payment methods displayed at checkout or otherwise made available by Finotive. Payment methods may include card, cryptocurrency, Finotive Pay, local payment methods, or other providers from time to time. Finotive may add, remove, suspend, restrict, decline, or reverse payment methods at any time. Fees are payable in the currencies displayed at checkout. Where payment or Reward Payment involves currency conversion, exchange rates, banking charges, crypto network fees, wallet fees, payment-provider fees, or intermediary fees, these are the Trader's responsibility unless Finotive expressly states otherwise.

12.5 Taxes

The Trader is solely responsible for determining, reporting, and paying any tax, levy, charge, or reporting obligation arising from the Trader's use of the Services, Reward Payments, affiliate commissions, salary benefits, refunds, or any other benefit. Finotive does not provide tax advice.

12.6 Mandatory Reward Payment

Finotive may require a Trader to request or accept a mandatory Reward Payment of all eligible simulated profits. Following such payment, Finotive may reset, suspend, restrict, close, or review the Account depending on the circumstances. Any applicable Strike, reduction, breach consequence, or review outcome may apply to the mandatory Reward Payment.

13. Pricing, Promotions, Affiliates, and Separate Agreements

13.1 Fees and pricing

Fees are determined by account type, size, add-ons, promotions, checkout selections, currency, and other parameters shown at the time of purchase. Finotive may amend pricing at any time. Changes apply prospectively and do not affect purchases already completed unless fraud, system error, pricing error, abuse, chargeback, or breach applies.

13.2 Promotions and coupons

Promotional discounts, vouchers, coupon codes, affiliate discounts, special offers, or event offers may be provided from time to time. They are non-transferable, may not be combined unless expressly permitted, may be withdrawn at any time, and do not modify account rules, Reward Split terms, Reward Payment rules, refund rules, breach consequences, or eligibility requirements.

13.3 Affiliate benefits used by customers

Each customer may use one affiliate relationship and that affiliate's related discount or coupon codes on purchases made under the customer's single registered profile. Creating additional profiles, using altered details, or attempting to obtain additional affiliate benefits is prohibited and may result in Risk or Compliance review with possible Hard Breach outcome.

13.4 Becoming an affiliate

Participation as an affiliate is governed by a separate Affiliate Agreement. Approval as an affiliate is not automatic. Affiliate commissions, tracking, recurring commissions, tier status, dashboard access, promotional conduct, PPC rules, intellectual property use, termination, and affiliate payout rules are governed by the Affiliate Agreement. Where a person is both a Trader and an affiliate, these Terms govern trader accounts and the Affiliate Agreement governs affiliate participation. Finotive may require compliance with both.

14. Refund and Cancellation Policy

14.1 General rule

All fees are final and non-refundable except where a refund is expressly provided under these Terms or required by mandatory law that cannot be excluded. Fees are paid for access to the selected Services, not for any trading outcome, account progression, Reward Payment, Reward Split, or performance result.

14.2 Challenge and Pro refund

For Challenge and Pro Accounts, a fee refund is available only where the Trader achieves Simulated Funded Status and the Account remains in net profit on the thirtieth (30th) day after Simulated Funded Status is granted. The refund is automatic where eligibility is met, returned to the original payment method, and not dependent on the Trader requesting or receiving a Reward Payment. No refund is available if a Hard Breach, fraud, prohibited conduct, false information, chargeback, account misuse, or other breach occurs before the refund date.

14.3 Instant Funding

Instant Funding fees are generally final and non-refundable. A refund may be available only where Finotive's own cooling-off conditions are met or where mandatory law requires otherwise.

14.4 Cooling-off requests

A Trader may request cancellation within fourteen (14) calendar days of purchase only if no trades have been placed, the Trader has not accessed the Dashboard or Trading Platform beyond registration and account-viewing steps reasonably necessary to request cancellation, and KYC has been completed to Finotive's satisfaction. Requests must be submitted from the registered email address to [email protected]. Where the Trader has placed a trade, used the Dashboard or Trading Platform beyond registration and reasonable cancellation steps, failed KYC, or failed to satisfy the conditions, the right to cancel under Finotive's cooling-off policy expires or may be refused at Finotive's discretion.

14.5 Refund exclusions

Refunds are not available where the Trader has placed trades, failed account objectives, breached these Terms, had an Account suspended or terminated, voluntarily cancelled after service delivery, failed refund conditions, used a third-party payment, initiated an unjustified chargeback, failed KYC, failed compliance checks, or has a negative Account Refresh balance, unless Finotive determines otherwise or mandatory law requires otherwise.

14.6 Defective services

If the Services are defective due to a technical failure within Finotive's reasonable control, the Trader must notify Finotive within thirty (30) days with evidence. Finotive may remedy the defect by restoring access, correcting the issue, or providing equivalent replacement access. Technical issues caused by third-party providers, market-like conditions, slippage, latency, connectivity, device issues, platform limitations, or trading losses do not constitute defective services.

15. Data Protection, Privacy, Monitoring, and Certificates

15.1 Privacy Policy

Finotive processes personal data in accordance with its Privacy Policy, the DIFC Data Protection Law where applicable, and other applicable data protection requirements. The Privacy Policy forms part of the contractual framework and should be read together with these Terms. The Privacy Policy should be interpreted to cover KYC and Enhanced KYC, payment ownership checks, SumSub or other identity vendors, Finotive Pay, IP/device/location monitoring, trading behaviour analytics, automated and manual risk metrics, recorded Compliance/Risk calls, account-control reviews, payment-provider sharing, group-company sharing, law enforcement disclosures, sanctions screening, data retention, and cross-border data transfers.

15.2 Monitoring

Finotive may monitor and process account information, trading activity, platform activity, login activity, IP addresses, device identifiers, location data, payment details, KYC data, support interactions, Dashboard metrics, and risk flags for account administration, fraud prevention, sanctions compliance, AML controls, platform integrity, risk management, enforcement, customer support, and legal purposes.

15.3 Use of certificates and performance data

By agreeing to these Terms, the Trader grants Finotive permission to use Progression, Simulated Funded Status, Reward Payment, and performance certificates, screenshots, payout-style announcements, anonymised results, account statistics, and similar materials for reporting, promotional, educational, statistical, and marketing purposes. Where such materials include personal data, Finotive will handle that data in accordance with applicable data protection requirements. If a Trader objects or withdraws consent where applicable, Finotive may anonymise or remove the relevant certificate or material from future use. Finotive may continue to use anonymised performance data for reporting, promotional, educational, and statistical purposes.

16. Fraud, Chargebacks, Prohibited Payments, and Sanctions

16.1 Fraudulent use

If Finotive reasonably suspects fraud, false information, impersonation, document manipulation, payment fraud, money laundering, terrorist financing, sanctions violation, identity misuse, account sharing, chargeback abuse, or other unlawful activity, Finotive may suspend or terminate the Account without prior notice, withhold or reject Reward Payments, forfeit fees and unpaid simulated profits, permanently exclude the Trader, and cooperate with payment providers, financial institutions, regulators, and law enforcement.

16.2 Chargebacks

Unjustified chargebacks, payment disputes, or reversals are prohibited. A chargeback may result in immediate suspension or termination of affected Accounts and, depending on the circumstances, all accounts held by the Trader. Finotive may forfeit fees, reject Reward Payments, permanently exclude the Trader, recover losses and fees, and report the matter to payment processors or authorities.

16.3 Third-party payments

Payments must be made by the Trader using payment methods owned and controlled by the Trader. Third-party payments are prohibited unless Finotive expressly approves otherwise in writing. Suspected third-party payments may be reviewed and may result in account suspension, Reward Payment rejection, refund refusal, account closure, or Hard Breach outcome.

17. Intellectual Property and Website Use

17.1 Ownership

All content, materials, software, dashboards, data compilations, designs, logos, trade names, trademarks, graphics, methodologies, tools, and intellectual property made available through the Website, Dashboard, Trading Platform access, help centre, or Services are owned by Finotive, its group entities, or licensors. The Trader obtains no ownership rights by using the Services.

17.2 Limited licence

Finotive grants the Trader a limited, revocable, non-exclusive, non-transferable licence to access and use the Website, Dashboard, and Services solely for personal use in connection with Finotive Funding programmes. The Trader must not copy, reproduce, sell, resell, distribute, scrape, reverse engineer, frame, mirror, commercially exploit, or create competing services from Finotive materials.

17.3 Website conduct

When using the Website or Services, the Trader must not impersonate any person, provide false details, abuse staff, use unlawful or offensive content, upload malware, attack the Website, scrape data, use bots, circumvent rules, manipulate payouts, share access, create multiple profiles, make false claims, or otherwise undermine the integrity of the Services. Breach may result in account restriction, termination, forfeiture, legal action, or other enforcement.

18. Suspension, Termination, Manual Review, and Permanent Exclusion

18.1 Suspension and restriction

Finotive may suspend, restrict, place into close-only mode, pause Reward Payments, or limit access to any Account or Service for operational, technical, security, fraud, risk, compliance, payment, sanctions, regulatory, or investigation reasons. Suspension may continue for as long as reasonably necessary.

18.2 Termination

Finotive may terminate an Account or the Trader's access immediately where the Trader commits a Hard Breach, suspected fraud or unlawful activity exists, required checks are failed, payment issues arise, sanctions concerns exist, a manual review outcome requires closure, or Finotive reasonably determines that continuation presents material risk. Upon termination for breach, fraud, Hard Breach, or prohibited conduct, the Trader is not entitled to any refund or unpaid Reward Payment unless Finotive determines otherwise or mandatory law requires otherwise.

18.3 Permanent exclusion

Finotive may permanently exclude a Trader from Finotive Funding and, depending on severity and group risk assessment, may extend the exclusion to the wider Finotive One ecosystem, including Finotive Pay, Finotive Markets, Finotive Futures, and related services. Such decisions are made case-by-case.

18.4 Trader cancellation

The Trader may request cancellation of an account by contacting [email protected]. Cancellation does not create a refund entitlement, does not restore forfeited simulated profits, and does not bypass pending compliance, risk, payment, fraud, or breach investigations.

19. Complaints, Appeals, and Support

19.1 Support

General questions, account issues, technical issues, payout queries, and service issues should first be raised with [email protected] or through the support channels made available by Finotive.

19.2 Complaints

If a matter is not resolved through Support, the Trader may request escalation to [email protected]. A complaint should include the Trader's registered email address, account number, relevant dates, a clear description of the issue, supporting evidence, and the remedy requested. Finotive will review complaints in good faith and may request further information. Submitting a complaint does not suspend the application of these Terms, reverse any breach, extend any deadline, or guarantee a different outcome.

19.3 Trading-rule appeals

Appeals against trading-rule enforcement must be submitted within forty-eight (48) hours of the enforcement action unless Finotive expressly allows a longer period. Appeals are limited to clear and demonstrable data, calculation, pricing, or platform-error issues. Disagreement with the rule itself, the commercial model, or the existence of a rule is not a valid appeal ground. Risk Review, Compliance Review, fraud, payment, KYC, or account-control outcomes may be reviewed through the complaint or review process where Finotive considers it appropriate, but Finotive is not required to disclose sensitive monitoring, fraud, sanctions, or risk-detection information.

20. Disclaimers, Limitation of Liability, and Indemnity

20.1 General disclaimer

The Website, Dashboard, Services, Trading Platform access, simulated accounts, tools, metrics, reports, support materials, and help centre content are provided on an "as is" and "as available" basis. Finotive does not guarantee uninterrupted access, compatibility, error-free operation, profitable outcomes, account progression, Reward Payments, scaling, or trading success.

20.2 No advice and no guarantees

Finotive does not provide investment, financial, tax, legal, trading, or professional advice. Any information shown on the Website, Dashboard, FAQ, chatbot, platform, or by support is general information about the Services and rules. The Trader is responsible for all trading decisions and for understanding the rules of the selected Account. Past performance, testimonials, certificates, statistics, examples, marketing content, public results, payout-style announcements, or trader stories are illustrative only and do not guarantee future performance.

20.3 Limitation of liability

To the maximum extent permitted by law, Finotive, its group entities, affiliates, officers, directors, employees, agents, service providers, licensors, and successors shall not be liable for indirect, incidental, consequential, special, punitive, exemplary, or loss-of-profit damages; loss of opportunity; business interruption; data loss; reputational damage; trading losses; account closure; Reward Payment rejection; scaling loss; or reliance on marketing or support content. Except where liability cannot be excluded by law, Finotive's total aggregate liability to any Trader across all claims shall be limited to the lesser of: (a) the total fees actually paid by the Trader to Finotive Funding in the twelve (12) months preceding the event giving rise to the claim; or (b) EUR 1,000. Simulated profits, notional balances, scaling benefits, expected Reward Payments, Pro salary expectations, and expected future benefits are excluded from recoverable loss.

20.4 Indemnity

The Trader indemnifies and holds harmless Finotive, its group entities, affiliates, officers, directors, employees, agents, service providers, licensors, and successors from claims, losses, costs, liabilities, fines, penalties, chargebacks, legal fees, investigations, and expenses arising from the Trader's breach of these Terms, unlawful activity, fraud, payment misuse, sanctions breach, intellectual property misuse, account sharing, third-party claims, or misuse of the Services.

21. Service Changes, Force Majeure, and Third Parties

21.1 Service modification

Finotive may amend, suspend, limit, withdraw, replace, or modify any aspect of the Website, Dashboard, Services, account types, Trading Platform access, rules, pricing, fees, Reward Splits, Reward Payment terms, account metrics, monitoring, or features at any time. Changes apply prospectively unless compliance, legal, risk, fraud, system integrity, or security reasons require immediate application.

21.2 Force majeure

Finotive is not liable for failure or delay caused by events beyond its reasonable control, including market interruption, platform failure, internet outage, cyberattack, government action, sanctions, war, terrorism, pandemic, natural disaster, payment-provider failure, regulatory action, liquidity disruption, trading halt, banking disruption, or utility failure.

21.3 Third-party providers and links

The Services may involve third-party providers, including payment providers, identity verification providers, KYC providers, trading platforms, hosting providers, communications providers, and Finotive group entities. Finotive is not liable for third-party acts, omissions, failures, delays, breaches, terms, security incidents, or service limitations except to the extent liability cannot lawfully be excluded. Links to third-party websites are provided for convenience only.

22. Governing Law, DIFC Courts, and Miscellaneous

22.1 Governing law

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the laws of the Dubai International Financial Centre.

22.2 DIFC Courts

The courts of the Dubai International Financial Centre shall have exclusive jurisdiction to hear and determine any dispute, claim, controversy, or proceedings arising out of or in connection with these Terms, the Website, the Dashboard, the Services, any Account, any Reward Payment, any account closure, or any related matter. The Trader irrevocably submits to the jurisdiction of the DIFC Courts.

22.3 Class actions

To the maximum extent permitted by law, disputes must be brought individually and not as a class, collective, representative, or group action.

22.4 No waiver

No failure, delay, or omission by Finotive to exercise any right or remedy operates as a waiver. Any waiver must be in writing and applies only to the specific matter for which it is given.

22.5 Severability

If any provision is held invalid, illegal, or unenforceable, it shall be severed to the minimum extent necessary and the remaining provisions remain in full force. Finotive may replace the affected provision with a valid provision that most closely reflects the original commercial intent.

22.6 Entire agreement

These Terms, together with the Privacy Policy, Refund Policy, Finotive Pay terms, Funded Trader Agreement where applicable, Affiliate Agreement where applicable, and any policy expressly incorporated by reference, constitute the entire agreement between Finotive Funding and the Trader. They supersede all prior statements, discussions, representations, marketing claims, FAQs, support messages, and earlier terms relating to the subject matter.

22.7 Notices

Finotive may deliver notices through the Dashboard, the registered email address, the Website, Finotive Pay, or any other official channel. Notices to Finotive should be sent to [email protected] unless these Terms specify another email address.