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Terms and Conditions.

FINOTIVE ONE — MASTER TERMS OF USE

Effective Date: 28 August 2026 · Last Updated: 28 August 2026

These Finotive One Master Terms of Use ("Terms") are entered into between you and Finotive One Limited, a company registered in Cyprus under company number HE481670, with its registered office at Office 113, Block A, Agios Pavlos Ct, 228 Archbishop Makarios III Avenue, 3030 Limassol, Cyprus ("Finotive One").

When you request, purchase, activate, access or use a particular Finotive Service, these Terms also form an agreement between you and the Finotive Group Entity identified as the provider of that Service, to the extent these Terms apply to that Service.

These Terms govern:

the creation, maintenance and use of your Finotive One Account;
your unified Finotive login and identity profile;
your Finotive KYC Passport;
your access to the Finotive ecosystem;
ecosystem-wide Account security, fraud-prevention and platform-integrity requirements;
the Fair Use and Trading Integrity Rules in Section 7; and
the common rules applying across Finotive-branded Services.

A Finotive One Account is the mandatory point of entry to the Finotive ecosystem. You must create and maintain a Finotive One Account before requesting, purchasing, activating, accessing or using a Finotive Service.

Different Services may be provided by different legal entities within the Finotive group. The relevant Service Provider remains responsible for the Service it provides and its obligations under the applicable Service Terms.

By selecting an acceptance checkbox, electronically signing, creating a Finotive One Account after these Terms have been presented to you, or requesting, purchasing, activating, accessing or using a Service after these Terms have been made available, you confirm that you have read, understood and agree to be legally bound by these Terms.

1. Finotive One and the Finotive Ecosystem

1.1 Mandatory single point of entry

Finotive One operates the central Account, login, onboarding, identity-verification, KYC, security and group-access infrastructure used throughout the Finotive ecosystem. Your Finotive One Account acts as your:

central User profile;
unified login;
identity and KYC profile;
security and access profile;
customer-support profile; and
gateway to Finotive-branded Services.

Except where expressly approved by Finotive, you must maintain one Finotive One identity and must not create separate, duplicate or unlinked profiles for different Finotive Services.

1.2 Definitions

For the purposes of these Terms:

"Account" means your Finotive One Account and, where the context requires, any Service Account, Trading Account, payment account, simulated account, evaluation account or other account linked to your Finotive One profile.

"Account Specifications" means the product rules, trading parameters, pricing, limits, targets, reward conditions or other specifications applying to a particular Service or Account.

"Dashboard" means any Finotive One or Service-specific dashboard, portal, application or Account-management interface.

"Device Sharing" means two or more Users accessing any Finotive Account from the same physical or virtual device, computer, tablet, mobile telephone, operating-system installation, browser profile, remote desktop, VPS or hosted environment.

"Finotive" means Finotive One and, where the context requires, the relevant Finotive Group Entity or Service Provider. Use of the collective term "Finotive" is for convenience only and does not merge the identity, responsibility or liability of separate Finotive Group Entities.

"Finotive Group Entity" means Finotive One and each entity identified in Schedule 1, together with any other Finotive entity subsequently identified in the applicable Service Terms or official Finotive Legal Disclosure.

"Finotive KYC Passport" means the central verified identity and KYC profile maintained through Finotive One and passported to relevant Service Providers across the Finotive ecosystem.

"Finotive One Account" means the central Finotive login, identity, onboarding and access Account created and administered through Finotive One.

"Service" means any product, Account, platform, functionality or service made available by a Finotive Group Entity.

"Service Account" means an Account made available in connection with a particular Service.

"Service Provider" means the Finotive Group Entity identified as providing a particular Service to you.

"Service Terms" means the terms and conditions, client agreement, funded-trader agreement, payment terms, Account Specifications, product rules, Risk Disclosures and other contractual documents governing a particular Service.

"Trading Account" means any live, simulated, demo, evaluation, funded-trader or other trading Account made available through a Trading Service.

"Trading Platform" means any electronic trading, charting, order-entry or Account-management platform made available directly or through a Finotive Group Entity or third-party provider.

"Trading Service" means a Service involving live trading, simulated trading, evaluation Accounts, funded-trader programmes, Account performance, trading rewards, trading bonuses or access to trading infrastructure.

"User", "you" or "your" means the individual who creates and owns the Finotive One Account.

1.3 Finotive Services

A Finotive One Account may allow you to request, purchase, activate, access or manage Services including:

Finotive Funding;
Finotive Futures;
Finotive Markets;
Finotive Pay; and
other Finotive products and Services introduced from time to time.

Your Finotive One Account allows you to use one central identity and Finotive KYC Passport across the Finotive ecosystem without creating separate identity profiles for each Service. Opening a Finotive One Account does not automatically approve you for every Service.

1.4 Service eligibility

Access to a particular Service may be subject to:

jurisdictional availability;
regulatory requirements;
sanctions and restricted-jurisdiction controls;
additional or updated verification;
fraud and payment checks;
product-specific eligibility requirements;
acceptance of the applicable Service Terms and Risk Disclosures;
Trading Platform or provider requirements; and
approval or activation by the relevant Service Provider.

Eligibility for one Service does not guarantee eligibility for another.

1.5 Separate legal entities

Each Finotive Group Entity is a separate legal entity. Each Service Provider contracts with you separately and is responsible only for:

the Service it provides;
the obligations it expressly assumes;
the funds or balances for which it is legally responsible; and
the requirements applicable to that Service.

No Finotive Group Entity:

guarantees the obligations of another Finotive Group Entity;
is jointly or severally liable for the acts or omissions of another Finotive Group Entity;
is responsible for a Service it does not provide;
assumes the regulatory status or permissions of another Finotive Group Entity; or
becomes your Service Provider solely because it is part of the Finotive group.

Finotive One does not provide brokerage, investment, payment, custody, deposit-taking, proprietary-trading or other product-specific Services unless it is expressly identified as the Service Provider.

1.6 Direct application across Finotive Services

These Terms apply directly to:

your Finotive One Account;
your access to the Finotive ecosystem;
your use of every Finotive Service;
your conduct across linked Accounts and Services; and
activity carried out through your Finotive identity.

When you request, purchase, activate, access or use a Service, the relevant Service Provider may directly investigate and enforce the provisions of these Terms that apply to that Service. These Terms apply whether or not a particular provision is repeated or cross-referenced in the applicable Service Terms. The application of these Terms does not make a Service Provider responsible for a Service provided by another Finotive Group Entity.

1.7 Identification of the Service Provider

Before you purchase, activate or begin using a Service, Finotive will identify or make available:

the legal name of the Service Provider;
the Service being provided;
the applicable Service Terms;
any relevant regulatory status or disclosure;
applicable Risk Disclosures; and
the applicable governing-law and dispute provisions.

1.8 Central acceptance and records

Finotive One may present, obtain, record and maintain your acceptance of these Terms and applicable Service Terms on behalf of the relevant Service Provider. Your acceptance may be recorded by reference to:

your Finotive One User ID;
the date and time of acceptance;
the document and version accepted;
your IP address;
your device, browser or session information;
the Service concerned; and
the relevant Service Provider.

When you request, purchase, activate or use a Service after the applicable Service Terms have been presented or made available to you, you enter into a separate agreement directly with the relevant Service Provider.

1.9 Finotive One Terms and Service Terms

These Terms govern common ecosystem-wide matters, including:

Finotive identity and Account ownership;
the Finotive KYC Passport;
Account and device security;
Account sharing and third-party access;
duplicate profiles;
payment ownership and payment abuse;
fraud and circumvention;
technology misuse;
ecosystem-wide Fair Use and Trading Integrity; and
cross-Service reviews and enforcement.

The applicable Service Terms govern matters specific to a Service, including:

product features;
trading conditions;
Account Specifications;
pricing and fees;
deposits and withdrawals;
client money or payment balances;
reward and payout conditions;
targets and drawdown limits;
leverage, margin and contract limits;
permitted instruments and trading hours;
execution;
refunds and cancellations;
product-specific consequences;
Service-specific liability; and
Service-specific governing law and disputes.

Where a genuine conflict exists:

mandatory law will apply first;
the Service Terms will prevail in relation to the commercial, numerical and operational conditions of the relevant Service;
these Terms will continue to apply to your Finotive One identity, KYC Passport, Account security, Device Sharing, third-party access, fraud, circumvention, technology integrity and ecosystem-wide conduct; and
an express permission contained in Service Terms applies only to that Service and does not permit fraud, manipulation, unauthorised Account control, circumvention or exploitation.

1.10 Applicable documents

The documents governing your use of Finotive may include:

these Finotive One Master Terms of Use;
the applicable Service Terms;
applicable Account Specifications;
applicable Risk Disclosures;
the Privacy Policy;
the Finotive One Account, KYC and Data Sharing Notice;
the Cookie Policy;
applicable Refund or Cancellation Policies;
applicable payment or promotional terms; and
any other document expressly stated to apply to the relevant Service.

1.11 New Services and entities

Finotive may introduce additional Services or Service Providers from time to time. Adding an entity to the Finotive group does not automatically make that entity responsible for providing a Service to you. The relevant Service Provider and applicable Service Terms will be identified before you activate or use the new Service.

2. Acceptance and Electronic Communications

2.1 Acceptance

You may accept these Terms by:

selecting an acceptance checkbox;
electronically signing them;
completing Finotive One registration after the Terms have been presented;
expressly accepting an updated version through the Dashboard; or
taking another electronic action clearly identified as acceptance.

Receiving a payment, email or promotional communication by itself does not constitute acceptance of these Terms.

2.2 Electronic communications

You agree that Finotive may communicate with you through:

your registered email address;
the Finotive One Dashboard;
a Service-specific Dashboard;
a Trading Platform;
Finotive Pay;
website or application notifications;
support tickets;
telephone, video or verification calls; and
other official Finotive communication channels.

Electronic communications and electronic records satisfy any legal requirement for written communication to the extent permitted by applicable law.

2.3 Contact information

You must maintain an active email address and accurate contact information. You must promptly update your contact information where it changes. A communication sent to your registered email address or made available through your Dashboard will be treated as delivered in accordance with applicable law, whether or not you have opened or read it.

2.4 English language

The English version of these Terms and applicable Service Terms is the authoritative version. Translations may be provided for convenience but do not override the English version unless expressly stated otherwise.

2.5 Existing Users

Finotive may require existing Users to accept these Terms or a materially updated version before continuing to access their Finotive One Account or a Service. Failure to accept required updated Terms may result in restricted access or termination, subject to applicable Service Terms and applicable law.

3. Eligibility

3.1 Age and legal capacity

You must:

be at least eighteen (18) years old;
have legal capacity to enter into a binding agreement;
use your own legal identity;
satisfy applicable jurisdictional requirements; and
meet the eligibility requirements of each requested Service.

A Service may impose a higher minimum age where required by law.

3.2 Accurate information

All information provided to Finotive must be accurate, complete, current and not misleading. You must promptly update information where it changes, including:

your name;
address;
nationality;
residency;
telephone number;
email address;
payment information; and
any other information relevant to your identity or eligibility.

You must not submit false, altered, forged, stolen or misleading information or documents.

3.3 Restricted jurisdictions

Finotive may restrict or prohibit access to the whole or any part of the Finotive ecosystem based on:

applicable law;
sanctions;
regulatory requirements;
payment-provider requirements;
banking requirements;
Trading Platform requirements;
fraud prevention;
operational limitations;
product availability; or
Finotive's internal risk appetite.

Jurisdictional availability may differ between Services. A current list of restricted jurisdictions may be published by Finotive and amended from time to time.

3.4 Location and jurisdictional circumvention

You must not:

misrepresent your country of residence or location;
use false documents or addresses;
use another person or entity to disguise your identity;
access a Service from a jurisdiction where that Service is prohibited;
use a VPN, proxy, remote device or other method to bypass jurisdictional restrictions; or
structure Accounts or payments to avoid eligibility controls.

The use of a VPN or changing an IP address is not automatically a breach where used for legitimate security or connectivity purposes, but Finotive may request further verification.

3.5 Single Finotive One profile

Unless expressly approved by Finotive, you may maintain only one Finotive One profile. You must not create or control additional or duplicate profiles, whether through another name, identity, email address, telephone number, company, device, payment method or person, to circumvent:

Account limits;
allocation limits;
contract or exposure limits;
promotional restrictions;
affiliate restrictions;
payment controls;
jurisdictional restrictions;
KYC requirements;
bonus eligibility; or
any other Finotive requirement.

3.6 Local-law responsibility

You are responsible for determining whether your use of a Service is lawful in your country or place of residence. Finotive's acceptance of registration, payment or verification does not constitute legal, tax or regulatory advice and does not represent that a Service is lawful or suitable for you.

4. Account Security, Device Use and Personal Access

4.1 Strictly personal use

Your Finotive One Account and all linked Service Accounts and Trading Accounts are personal to you and must remain under your exclusive ownership, access and control. Account sharing, Device Sharing and third-party access are prohibited.

4.2 No third-party access

You must not:

allow another person to access, view, operate, manage, trade or control any of your Accounts;
access, operate, manage, trade or control another person's Account;
share your password, two-factor authentication code, login session, Trading Platform credentials, API credentials or other authentication information;
provide another person with remote access to your Account, Trading Platform or device;
use an account manager, challenge-passing service, remote operator, assistant or other third party to operate your Account;
permit a friend, family member, employee, contractor or any other person to access your Account;
sell, transfer, rent, lease or otherwise make an Account available to another person; or
acquire, rent, operate or use an Account registered in another person's name.

Access by Finotive or an authorised Finotive service provider through an official support, security or verification process does not constitute prohibited third-party access.

4.3 Device Sharing

Device Sharing is prohibited. A device or access environment used by you to access a Finotive Account must not be used by another User to access any Finotive Account. You must not access your Account through a device or access environment used by another Finotive User. You must not use a public, communal or shared device to access a Finotive Account.

4.4 Account security

You are responsible for maintaining the security of:

your password;
two-factor authentication;
registered email account;
personal devices;
Trading Platform credentials;
API credentials;
payment methods; and
other authentication information.

You must notify Finotive immediately if you believe that your Account, credentials, email address, payment method or device has been compromised. Finotive may require you to reset credentials, complete additional verification or take another reasonable security step before Account access is restored.

4.5 Account responsibility

You are responsible for activity carried out through your Accounts and credentials unless the activity was caused by a security failure or other circumstance for which Finotive is legally responsible. Failure to secure your Account or promptly report suspected unauthorised access may affect Finotive's ability to investigate or remedy the activity.

4.6 Access and device monitoring

Finotive may monitor Account access and technical information, including:

IP addresses;
device identifiers;
browser and device fingerprints;
login times;
network information;
location information;
Trading Platform access;
remote-access indicators; and
relationships between Accounts and devices.

Finotive may request further verification where Account sharing, Device Sharing, third-party access, unusual access or unauthorised Account control is suspected. Confirmed Account sharing, Device Sharing or third-party access constitutes a material breach and may result in action under Section 11.

5. Finotive KYC Passport and Verification

5.1 Central identity and KYC profile

Finotive One operates the central identity, onboarding and KYC infrastructure for the Finotive ecosystem. You complete your primary identity and KYC verification through your Finotive One Account rather than creating separate identity profiles for each Finotive Service.

5.2 Finotive KYC Passport

Once verified, your Finotive One identity and KYC profile becomes your Finotive KYC Passport. Finotive One may passport your verified identity information, documents and verification status to the relevant Service Provider when you request, purchase, activate or use a Finotive Service. The Finotive KYC Passport is intended to provide one central verification process across the Finotive ecosystem and reduce the need for duplicate onboarding.

5.3 Additional Service checks

Your Finotive KYC Passport does not automatically guarantee approval or continued eligibility for every Service. A Service Provider may require additional, updated or repeated verification where reasonably necessary because of:

the nature of the Service;
jurisdictional requirements;
sanctions or restricted-jurisdiction controls;
fraud-prevention requirements;
payment-ownership checks;
Account-security concerns;
expired or outdated information; or
information identified during a Risk or Compliance Review.

Each Service Provider remains responsible for the checks applicable to the Service it provides.

5.4 Enhanced verification

Finotive One or a Service Provider may request Enhanced KYC or additional verification at any time. This may include:

updated identity or address documents;
proof of nationality or residency;
payment-ownership evidence;
source-of-funds or source-of-wealth information;
location or device verification;
confirmation of Account access or control;
explanation of trading or payment activity;
video or verification calls;
screen sharing;
evidence of ownership or control of a trading system; or
other information reasonably required to verify identity, eligibility, Account ownership or suspected fraud or misuse.

5.5 Accuracy and cooperation

You must:

provide accurate, complete and current information;
promptly update information where it changes;
cooperate with reasonable verification requests; and
ensure that all documents and information submitted are genuine and belong to you.

Failure to complete verification or provide satisfactory information may result in:

refusal of onboarding;
suspension or restriction;
delayed or rejected transactions;
delayed or rejected contractual rewards or promotional benefits;
termination of a Service; or
termination of the Finotive One Account.

5.6 Data handling

The collection, use, sharing, transfer and retention of identity and KYC information is governed by the Finotive Privacy Policy and the Finotive One Account, KYC and Data Sharing Notice.

6. Payments and Payment Ownership

6.1 Payment ownership

Unless expressly approved by Finotive, payments for Services must be made using a payment method owned and controlled by you. Payments made using another person's payment method, an unrelated company, an anonymous source or an unauthorised payment method may be rejected or subject to additional verification.

6.2 Payment destinations

Unless the applicable Service Terms expressly permit otherwise, refunds, withdrawals, rewards and other payments must be made to an account, wallet or payment destination owned and controlled by you. Finotive may request proof of ownership before processing a payment.

6.3 Chargebacks and payment abuse

You must not initiate a fraudulent, misleading or unjustified:

chargeback;
card dispute;
payment reversal;
bank recall;
cryptocurrency dispute;
refund claim; or
payment-provider complaint.

Payment abuse may result in suspension, termination, recovery action and permanent exclusion. Nothing prevents you from raising a genuine payment dispute in good faith or exercising a mandatory legal right.

6.4 Payment providers and Finotive Pay

Payments may involve third-party banks, card processors, acquiring institutions, wallet providers, cryptocurrency networks, exchanges, payment gateways or other payment providers. Their terms, verification requirements, fees, exchange rates, processing times, limits and availability may apply in addition to these Terms. Where expressly disclosed, Finotive Pay may act as a payment collection, administration, reconciliation or disbursement provider for another Finotive Group Entity. Finotive Pay's involvement in processing a payment does not make it the provider of the underlying Funding, Futures, Markets or other Service.

6.5 Taxes

You are responsible for determining and satisfying any tax obligations arising from your use of a Service or receipt of a reward, payment, profit or other benefit. Finotive does not provide tax advice.

6.6 Funds, balances and contractual benefits

Nothing in these Terms authorises a Finotive Group Entity to confiscate, forfeit, transfer, withhold or set off brokerage client money, deposited funds, safeguarded funds, payment balances or other money legally belonging to you, except where expressly permitted by applicable law and the applicable Service Terms. Any set-off, reversal, recovery or withholding must have an applicable contractual and legal basis. Simulated profits, funded-trader rewards, promotional credits, bonuses, scaling benefits and other contractual programme benefits are not client money and remain subject to the conditions of the relevant Service.

7. Fair Use and Trading Integrity

This Section applies to all Finotive Services involving trading, simulated trading, account performance, trading rewards or access to trading infrastructure. The purpose of these rules is to protect the integrity, security and commercial operation of Finotive's trading programmes and systems. The rules apply whether the conduct occurs directly through Finotive or through a third party.

7.1 Prohibited conduct

You must not:

share or transfer a trading account;
allow another person to trade or operate an account on your behalf;
use multiple identities or profiles to circumvent restrictions;
coordinate activity with another trader to manipulate account outcomes;
use offsetting positions across accounts or platforms to manipulate risk;
exploit stale, delayed or erroneous prices;
engage in latency arbitrage;
exploit feed discrepancies or execution delays;
exploit platform, server or infrastructure errors;
manipulate quotes, orders, execution or account data;
use another person's trading account as a master account;
use third-party signal providers or account managers where prohibited by the applicable Service;
use challenge-passing services;
engage in unauthorised copy trading;
use automation or Expert Advisors where prohibited by the applicable Service;
exploit low-liquidity conditions or abnormal spreads for the purpose of obtaining an artificial advantage;
deliberately exploit market closures, platform interruptions or technical errors;
attempt to bypass account, allocation or exposure limits;
engage in fraudulent, deceptive, abusive or manipulative trading activity; or
engage in any conduct intended primarily to exploit the rules, technology, execution environment or risk controls rather than participate legitimately in the applicable programme.

7.2 Own trading strategy

Where a Service permits copying or automated trading, you must genuinely own and control the underlying strategy and trading decisions. Finotive may request evidence of ownership and control, including:

strategy documentation;
source or development evidence;
account history;
evidence of ownership of a master account;
a demonstration;
screen sharing; or
a verification call.

7.3 Cross-account activity

Finotive may assess activity across your Finotive accounts and, where reasonably necessary for risk and integrity purposes, relationships between your accounts and other accounts. The fact that individual accounts are profitable or individually compliant does not prevent Finotive from reviewing coordinated or correlated activity across accounts.

7.4 News and volatility exploitation

Where the applicable Service restricts particular news or volatility strategies, deliberately structuring trades to exploit short-term price spikes, execution delays or abnormal market conditions may constitute Prohibited Behaviour. The precise trading restrictions applicable to each programme are set out in the relevant Service Terms.

7.5 Risk and gambling-style behaviour

Finotive may review trading behaviour that indicates:

excessive concentration;
abnormal position sizing;
loss-recovery escalation;
systematic exploitation of execution conditions;
artificial account splitting;
abnormal short-duration trading; or
other behaviour inconsistent with the applicable programme.

A review does not automatically constitute a breach. Finotive may consider the overall circumstances and trading history.

7.6 Integrity investigations

Where Finotive identifies a potential breach, it may conduct a Risk or Compliance Review. During a review Finotive may:

restrict account access;
place an account into close-only mode;
pause a payment;
request information;
request a verification call;
request evidence of account or strategy ownership;
review related accounts; or
take another reasonable protective measure.

7.7 Swap-Free Account Misuse

This rule applies only where swap-free status is active. You must not use a swap-free account where more than 50% of your profit comes from trades that only work because no swap is charged. For this purpose, the relevant boundary is more than 50%; exactly 50% does not exceed that threshold. Finotive may assess rollover-focused trading patterns, including positions opened within four hours before 22:00 UTC and closed at least four hours after 22:00 UTC, where more than 50% of realised cycle profit comes from trades crossing the rollover period. For example, holding a position on a strong-trending instrument for more than one calendar week may be reviewed where the resulting profit depends materially on the absence of swap charges.

7.8 Liquidity Abuse

At least 20% of total realised profit during the relevant review period or Payout Cycle must not be generated from trades that were both opened and closed inside the applicable restricted window. For global instruments, the restricted window is 21:00:00 to 22:59:59 UTC. For Asian instruments, including instruments such as Hang Seng and Nikkei, the restricted window is also 21:00:00 to 22:59:59 UTC. The windows are assessed independently by instrument category.

7.9 Retrospective enforcement

Finotive may investigate conduct after the relevant trade, account event or payment has occurred. If a breach is discovered after a payment or other benefit has been provided, Finotive may, to the extent permitted by applicable law and the applicable Service Terms:

reverse or reclaim the benefit;
reject subsequent payments;
adjust account status;
remove benefits obtained through the breach;
close accounts; or
permanently exclude the user.

8. Use of Finotive Technology

8.1 Permitted use

You receive a limited, revocable, non-exclusive and non-transferable right to use Finotive websites, Dashboards, software, interfaces and technology for their intended purpose.

8.2 Prohibited technology use

You must not:

reverse engineer, decompile or disassemble Finotive software;
circumvent technical or security controls;
bypass authentication;
obtain or attempt to obtain unauthorised access;
interfere with another User's Account;
interfere with Finotive infrastructure;
introduce malicious software or harmful code;
scrape or systematically extract data without permission;
use an unauthorised API;
intercept communications;
conduct unauthorised security testing;
overload or disrupt a Service;
automate Account creation;
manipulate Account or Trading Platform data;
disable monitoring or security controls; or
use a Service in a manner that could compromise its security, integrity or availability.

8.3 Third-party technology

A Trading Platform or other technology provider may impose additional terms and technical restrictions. You must comply with those requirements in addition to these Terms.

9. Data and Privacy

Finotive processes personal information in accordance with:

the Finotive Privacy Policy;
the Finotive One Account, KYC and Data Sharing Notice;
any applicable Service-specific privacy notice; and
applicable data-protection law.

These documents explain how personal information is collected, used, shared, transferred, monitored, recorded, retained and protected, together with the rights available to you. Finotive may process and share relevant Account, KYC, payment, device, trading and communication information where necessary to:

provide and secure the Services;
operate the Finotive KYC Passport;
prevent fraud and unauthorised access;
manage trading and platform risk;
investigate suspected breaches; and
enforce these Terms and applicable Service Terms.

Nothing in these Terms expands Finotive's right to process personal information beyond the purposes and legal bases described in the applicable privacy documents and law.

10. Intellectual Property

10.1 Ownership

Finotive and its licensors retain all rights in websites, software, Dashboards, applications, interfaces, documentation, branding, logos, trade names, content, data compilations, Account metrics, reports, designs and technology.

10.2 Limited licence

You receive only a limited, revocable, non-exclusive and non-transferable right to use the Services for their intended purpose. No ownership right is transferred to you.

10.3 Restrictions

You must not, without prior written permission, copy, reproduce, republish, distribute, sell, sublicense, commercially exploit, modify, frame, scrape, reverse engineer, remove proprietary notices or create derivative works from Finotive intellectual property.

10.4 User materials

Where you provide Finotive with documents, explanations, feedback or other materials, you retain ownership of intellectual property belonging to you. You grant Finotive a limited right to use those materials to:

provide the Services;
verify compliance;
investigate activity;
handle complaints;
improve the Services;
comply with applicable obligations; and
establish, exercise or defend legal claims.

10.5 False or misleading Finotive materials

You must not:

forge or alter a payout certificate;
create a false Finotive statement;
misrepresent Account status;
impersonate Finotive;
use Finotive branding to deceive another person; or
publish fabricated performance, payment or approval information.

11. Reviews, Suspension and Termination

11.1 Reviews

Finotive One or a Service Provider may conduct a Risk, Compliance, Security, Payment, Account-Control or Trading-Integrity Review where it identifies a potential:

breach of these Terms;
breach of applicable Service Terms;
identity concern;
Account-sharing or Device-Sharing concern;
third-party-access concern;
fraud or payment concern;
sanctions or jurisdictional concern;
prohibited trading activity;
platform-integrity concern;
unauthorised access; or
other legitimate security, risk or operational concern.

A review may take place before or after a trade, progression, reward, payout, bonus, withdrawal or other Account event. A review does not by itself establish that a breach has occurred.

11.2 Protective measures during a review

During a review, Finotive may, where permitted by applicable law and the applicable Service Terms:

temporarily restrict Account access;
require password or security changes;
require additional verification;
place a Trading Account into close-only mode;
prevent new positions from being opened;
pause a contractual reward, bonus or payout;
delay a transaction for review;
request information or explanations;
require a video or verification call;
request evidence of Account or strategy ownership;
review related Accounts and Services; or
take another proportionate protective measure.

11.3 Confirmed breaches

Where a breach is confirmed, Finotive One or the relevant Service Provider may, depending on the nature and seriousness of the breach:

issue guidance or a warning;
impose additional conditions or monitoring;
restrict Account or Trading Platform access;
remove a permission, promotion or benefit;
remove artificial or non-compliant Account performance;
reject, reduce, reverse or reclaim a contractual reward, bonus or benefit obtained through the breach;
adjust Account status;
fail, reset or close a Service Account where permitted by the applicable Service Terms;
terminate access to the relevant Service;
terminate the Finotive One Account;
permanently exclude the User from a Service or the wider Finotive ecosystem;
recover amounts lawfully owed;
report relevant activity to a platform provider, payment provider, bank, authority, regulator or law-enforcement body; or
take another action permitted by the applicable Service Terms and law.

Any product-specific strike, warning, reset, closure, reward or Account consequence will be determined under the applicable Service Terms. Any action concerning a live Finotive Markets transaction, client balance or deposited funds must be taken in accordance with the applicable Markets Terms and law.

11.4 Ecosystem-wide action

Conduct affecting one Service may be treated as an ecosystem-wide security or integrity event where it reasonably indicates a broader risk to Finotive, another Finotive Group Entity, another User, a payment provider, a Trading Platform or the Finotive ecosystem. This may include:

identity fraud or impersonation;
Account sharing or Device Sharing;
third-party Account control;
false or duplicate profiles;
document manipulation;
sanctions or restricted-jurisdiction circumvention;
payment fraud or chargeback abuse;
unauthorised access;
cyberattacks;
coordinated cross-Service manipulation;
fraudulent acquisition of rewards or benefits; or
deliberate circumvention of group-wide controls.

A breach relating solely to a product-specific rule will ordinarily be limited to the relevant Service unless the conduct also creates a wider identity, fraud, payment, security, platform-integrity or circumvention concern.

11.5 Retrospective investigation

Finotive may investigate conduct after the relevant trade, Account event, progression, reward, payment or other benefit has occurred. Where a breach, fraud or manifest error is later identified, Finotive may take action under this Section to the extent permitted by the applicable Service Terms and law. Termination or suspension does not extinguish accrued rights that cannot lawfully be extinguished and does not authorise the confiscation of funds protected under Section 6.6.

11.6 Review requests and complaints

You may request a review of a decision through the relevant Service Provider's complaint or review process. Finotive may request additional information before completing a review. Finotive is not required to disclose confidential fraud-detection, security, sanctions, surveillance, risk or monitoring methods where disclosure could compromise their effectiveness or breach an applicable obligation. A complaint concerning a particular Service will be handled by the relevant Service Provider under its applicable complaints procedure.

12. Service Availability, Third Parties and Errors

12.1 Availability

Finotive does not guarantee uninterrupted or continuous access to a website, Dashboard, Service, Trading Platform, payment method, trading instrument, data feed, feature or third-party integration. Access may be interrupted for maintenance, updates, security, technical failure, provider failure or circumstances outside Finotive's reasonable control.

12.2 Third-party providers

Services may involve third-party Trading Platforms, data providers, liquidity providers, hosting providers, payment providers, banks, KYC providers, communications providers and other technology or service providers. Third-party terms and privacy notices may apply. To the extent permitted by law, Finotive is not responsible for a third party's outage, delay, refusal of service, technical limitation or failure, except where Finotive is legally responsible for that third party's conduct.

12.3 Manifest errors

Finotive or the relevant Service Provider may correct a manifest or obvious error in pricing, execution, Account data, fees, commissions, exchange rates, rewards, payouts, bonuses, calculations or displayed information, subject to the applicable Service Terms and law.

12.4 Service modifications

A Service Provider may amend, suspend, limit, replace, withdraw or discontinue a Service, product, Account type, platform, payment method, instrument or feature in accordance with the applicable Service Terms and law.

12.5 Force majeure

Finotive is not liable for failure or delay caused by circumstances beyond its reasonable control, including natural disaster, war, terrorism, civil unrest, government action, sanctions, regulatory action, pandemic, banking disruption, payment-provider failure, exchange closure, trading halt, market interruption, liquidity disruption, internet or telecommunications failure, utility failure, cyberattack, data-centre failure, platform failure or another comparable event.

13. Risk Disclosures and Disclaimers

13.1 As-is basis

The Finotive One Account, websites, Dashboards, Services, information and technology are provided on an "as is" and "as available" basis to the maximum extent permitted by law.

13.2 No advice

Nothing provided through Finotive constitutes investment advice, financial advice, trading advice, legal advice, tax advice, accounting advice, portfolio management, a personal recommendation or another professional advisory service, unless expressly stated in a separate written agreement by an appropriately authorised provider.

13.3 Trading risk

Trading and investing in financial markets can involve substantial risk. Depending on the Service, product, leverage, margin and applicable terms, you may lose all or more than the amount committed to a position. You must review the applicable Risk Disclosures before using a Trading Service.

13.4 Simulated and live Services

Funding, Futures, evaluation or funded-trader Services may involve simulated, demo, notional or non-executable Accounts. A simulated balance or allocation is not client money and does not give you ownership of the capital displayed in the Account. Finotive Markets Services may involve live trading with deposited funds, subject to the applicable Markets Terms and Risk Disclosures.

13.5 No guarantee

Finotive does not guarantee uninterrupted access, error-free operation, availability of a particular Service, availability of a particular Trading Platform, profitable trading, Account progression, funded status, scaling, reward approval, bonus eligibility, trading success, continued access or continued availability of a feature.

13.6 Marketing and past performance

Marketing examples, payout examples, simulated performance, Account statistics, testimonials, certificates and past results do not guarantee future performance, payments or eligibility.

14. Liability and Indemnity

14.1 Excluded losses

To the maximum extent permitted by applicable law, Finotive One and the relevant Finotive Group Entities will not be liable for indirect losses, consequential losses, special losses, punitive or exemplary damages, loss of profits, loss of anticipated income, loss of opportunity, loss of business, loss of goodwill, business interruption or loss of data.

14.2 Service-specific liability

The liability of a Service Provider in relation to a particular Service is governed by the applicable Service Terms. These Terms do not:

increase a Service Provider's liability beyond the applicable Service Terms;
make Finotive One liable for a Service it does not provide;
create joint or several liability between Finotive Group Entities; or
make one Finotive Group Entity responsible for the funds, balances or obligations of another.

14.3 Non-excludable liability

Nothing in these Terms excludes or limits liability for:

fraud or fraudulent misrepresentation;
wilful misconduct;
death or personal injury caused by negligence where liability cannot be excluded;
duties relating to client money or safeguarded funds that cannot lawfully be limited; or
another liability that cannot lawfully be excluded.

14.4 User indemnity

To the extent permitted by applicable law, you will indemnify the relevant Finotive Group Entity against third-party claims, losses, costs and liabilities arising directly from your fraud, deliberate unlawful activity, sanctions breach, identity misuse, Account sharing or Device Sharing, third-party Account access, payment fraud, deliberate technology misuse or infringement of third-party intellectual property. This indemnity does not apply to the extent that a loss was caused by Finotive's own fraud, negligence or unlawful conduct.

15. Changes to These Terms

15.1 Amendments

Finotive One may amend these Terms where reasonably necessary for legal or regulatory requirements, security, fraud prevention, sanctions, KYC and verification, payment controls, technology changes, platform integrity, new Services, corporate restructuring, clarification, operational changes or risk management.

15.2 Notice

The current version of these Terms will be made available through the Finotive One website or Dashboard. Where appropriate, Finotive may notify you of changes by email, Dashboard message or another official communication channel.

15.3 Immediate changes

Changes relating to law or regulation, sanctions, fraud, security, cyber risk, market abuse, platform integrity or urgent operational risk may take effect immediately where reasonably necessary.

15.4 Material changes

Where required by law or reasonably appropriate, Finotive will provide advance notice of a material change and may require express reacceptance. A material change will ordinarily apply prospectively. Finotive will not retrospectively convert previously permitted conduct into a breach solely because a new rule was later introduced unless:

the conduct was already prohibited under another applicable provision;
the change corrects a manifest or obvious error;
immediate application is required by law; or
the conduct involves fraud, manipulation, sanctions, security abuse or circumvention.

15.5 Service-specific changes

Changes to a particular Service, including pricing, trading parameters, rewards, margin, leverage, Account limits or product conditions, are governed by the applicable Service Terms.

16. Governing Law, Disputes and Mandatory Rights

16.1 Finotive One Account

These Terms, to the extent they govern the creation, administration, security and use of the Finotive One Account and the relationship between you and Finotive One, are governed by the laws of Cyprus.

16.2 Cyprus courts

Subject to any mandatory rights applicable to you, the courts of Cyprus will have jurisdiction over disputes arising solely from:

the Finotive One Account;
central Account administration;
unified login;
the Finotive KYC Passport; or
Services provided directly by Finotive One.

16.3 Service-specific disputes

A dispute arising from a particular Service will be governed by the law, jurisdiction and dispute-resolution provisions stated in the applicable Service Terms. The law applicable to Finotive Funding, Finotive Futures, Finotive Markets or Finotive Pay may therefore differ from the law applicable to the Finotive One Account.

16.4 Multiple entities

Where a matter involves more than one Finotive Group Entity, each entity's role, contractual responsibility, obligations, potential liability and applicable governing law will be assessed separately. Nothing in these Terms creates joint or several liability between Finotive Group Entities.

16.5 Mandatory rights

Nothing in these Terms or the applicable Service Terms excludes mandatory consumer rights, data-protection rights, client-money protections, regulatory complaint rights, court jurisdiction required by law or another mandatory legal protection that cannot lawfully be excluded.

16.6 External complaints

Nothing in these Terms prevents you from referring a complaint to a regulator, ombudsman, court or other authority where you have a legal right to do so.

17. General

17.1 Entire agreement

These Terms, together with the applicable Service Terms and incorporated policies, constitute the agreement governing your use of Finotive One and the relevant Services.

17.2 No reliance on informal statements

You must not rely on an FAQ, chatbot response, support message, affiliate statement, social-media post, marketing statement, influencer statement, oral representation or third-party description as amending these Terms or the applicable Service Terms. No customer-service representative, affiliate, introducer or other person has authority to amend these Terms or Service Terms unless the amendment is expressly confirmed in writing by an authorised representative of the relevant contracting entity.

17.3 Assignment and restructuring

You may not assign or transfer your rights or obligations without Finotive's prior written consent. Finotive One or a Service Provider may assign, transfer or novate its rights and obligations to another Finotive Group Entity or successor as part of a bona fide group restructuring, merger, acquisition, sale or transfer of business, regulatory reorganisation or corporate reorganisation, subject to applicable law, regulatory approval where required and appropriate notice. No transfer will reduce a mandatory legal right applicable to you.

17.4 Subcontracting

Finotive may use contractors and third-party providers to perform operational, technical, payment, verification, support or compliance functions. Use of a contractor does not remove a legal responsibility that Finotive cannot lawfully transfer.

17.5 No partnership, agency or employment

These Terms do not create a partnership, joint venture, fiduciary relationship, employment relationship or authority for you to represent or bind Finotive. Any affiliate, contractor or funded-trader relationship is governed by the specific agreement applicable to that relationship.

17.6 No waiver

Failure or delay in enforcing a provision does not constitute a waiver. A waiver must be in writing and applies only to the specific matter identified.

17.7 Severability

If any provision is found invalid, unlawful or unenforceable, it will be severed or modified only to the minimum extent necessary. The remaining provisions will continue in effect.

17.8 Survival

Provisions relating to payments, recovery, fraud, intellectual property, data retention, liability, indemnity, governing law, disputes, monitoring methods and accrued rights survive suspension or termination where their nature requires.

17.9 Interpretation

References to "including" or "includes" are illustrative and do not limit the generality of the preceding words. Headings are for convenience and do not affect interpretation. A reference to a law includes amendments, replacements and subordinate legislation.

17.10 Mandatory law

Where these Terms conflict with a mandatory legal requirement, the mandatory legal requirement will apply only to the extent of the conflict.

18. Contact and Complaints

18.1 Finotive One support

Questions concerning your Finotive One Account may be submitted through the official Finotive One support channels. Email: support@finotive.com

18.2 Legal and compliance

Legal or compliance communications may be submitted to: legal@finotive.com

18.3 Data protection

Data-protection questions and data-subject requests may be submitted to: privacy@finotive.com

18.4 Service-specific support and complaints

Questions or complaints concerning a particular Service should be submitted through the support or complaint channel identified in the applicable Service Terms. Finotive One support may receive and route an enquiry or complaint, but:

the complaint remains a complaint concerning the relevant Service Provider;
the relevant Service Provider remains responsible for responding;
central routing does not change the identity of the contracting entity; and
central routing does not affect any external complaint or regulatory right.

Schedule 1 — Finotive Group Entities

1. Finotive One Limited

Company number: HE481670. Registered office: Office 113, Block A, Agios Pavlos Ct, 228 Archbishop Makarios III Avenue, 3030 Limassol, Cyprus. Principal role: Central Finotive Account, unified login, onboarding, identity verification, Finotive KYC Passport, security, customer-data infrastructure, technology and group-access coordination.

2. Finotive Markets (MU) Limited

Company number: 229423 GBC. FSC licence number: GB25205544. Registered office: Suite 201, 2nd Floor, The Catalyst, 40 Silicon Avenue, Ebene 72201, Mauritius. Principal role: Finotive Markets brokerage and regulated financial Services where this entity is expressly identified as the Service Provider.

3. Finotive Markets LLC

Registration number: 2152 LLC 2022. Registered office: Suite 305, Griffith Corporate Centre, Beachmont, P.O. Box 1510, Kingstown, Saint Vincent and the Grenadines. Principal role: Finotive Markets-related Services only where expressly identified in the applicable Service Terms or other contractual documentation. Nothing in these Terms represents that Finotive Markets LLC holds the regulatory permissions of Finotive Markets (MU) Limited.

4. Finotive Pay (CY) Limited

Company number: HE475209. TIN: 60180309L. Registered office: Office 113, Block A, Agios Pavlos Ct, 228 Archbishop Makarios III Avenue, 3030 Limassol, Cyprus. Principal role: Finotive Pay Services and, where expressly disclosed, payment collection, administration, reconciliation or disbursement for Finotive Group Entities.

5. Finotive Funding Technologies Limited

Company number: 11088. Registered office: Innovation One Building, Level 2, Dubai International Financial Centre, Dubai, United Arab Emirates. Principal role: Finotive Funding evaluation, simulated funded-trader and contractual reward Services.

6. Finotive Futures Technologies Limited

Company number: CL12854. Registered office: Innovation One Building, Level 2, Dubai International Financial Centre, Dubai, United Arab Emirates. Principal role: Finotive Futures evaluation, simulated funded-trader and contractual reward Services.

7. Additional entities

Other Finotive Group Entities may be added from time to time. The applicable Service Provider will be identified before you purchase, activate or use the relevant Service. Inclusion in this Schedule does not automatically make an entity responsible for a Service provided by another Finotive Group Entity.