Terms &Conditions.
These Terms, together with our Risk Disclosure, Privacy Policy, execution and conflicts policies and any account schedules, form your agreement with xtbsolution. Opening an account or using our services means you accept them.
Introduction and acceptance
These Terms, together with the Risk Disclosure, Privacy Policy, execution and conflicts policies and any account schedules, form the full agreement. Opening an account or using our services means you accept them. xtbsolution is operated by [LEGAL ENTITY NAME], registered in [JURISDICTION] under number [REGISTRATION NUMBER], regulated by [REGULATOR].
Definitions
Key terms used in this agreement include account, CFD, margin, margin level, platform, spread, swap and business day.
Eligibility
You must be at least 18 (or the legal age in your jurisdiction), have full legal capacity and live somewhere our services are permitted. Politically exposed persons, and their relatives or close associates, must disclose this and obtain approval. It is your responsibility to check that trading is lawful where you live.
Account opening and verification
You must provide accurate information and documents to verify your identity, address and source of funds, possibly through third-party services. We may refuse applications without giving reasons and may restrict accounts until verification is complete. Report changes to your details promptly.
Our services
We offer execution-only CFD trading on forex, shares, indices, commodities, crypto and other instruments. We give no investment, tax or legal advice, and any commentary is general information only. You make your own decisions and bear the risk.
Your representations and obligations
You confirm on an ongoing basis that your information is accurate, you trade as principal, your funds are legitimate and unencumbered, you understand the risks and you keep your credentials secure. You are responsible for all instructions given with your credentials and for monitoring your positions and margin.
Orders, execution and pricing
An order is accepted only once executed and confirmed on the platform. Orders may be refused or cancelled, for example for insufficient margin or a closed market. We aim for best execution, but slippage can occur in volatile or illiquid markets. Clearly erroneous prices ("manifest error") may be voided or amended, with notice to you.
Margin, leverage and stop-out
You must keep enough margin for open positions; requirements can change, sometimes immediately. At a margin level of 100% or below you cannot open new positions and a margin call may follow. At 50% (the current stop-out level) positions may be closed without notice, least profitable first. Where negative balance protection applies, losses are capped at your account funds, except in cases of abuse, fraud or breach.
Deposits
Deposits must come from accounts or cards in your name. Third-party payments are not accepted and may be returned. Funds are credited once cleared and verified, and additional source-of-funds checks may apply.
Withdrawals
You can withdraw free funds (not needed as margin) via the client portal. We aim to process requests within one business day, subject to verification. Withdrawals generally return to the original source, with profits paid to an account in your name. Withdrawals may be delayed or declined for suspected fraud, money laundering or breaches.
Fees, charges and overnight financing
Costs include spreads, some commissions, overnight swap charges or credits and possibly currency conversion fees, with current rates published online. Most deposits and withdrawals are free, though payment providers may charge. An inactivity fee may apply after 12 months without trading, with at least 30 days' notice.
Prohibited trading practices
Prohibited: exploiting latency or pricing errors, using software to abuse the platforms, coordinating trades to exploit protections or bonuses, market abuse and money laundering. We may cancel or adjust trades, restrict or close accounts, withhold funds where legally permitted and report to authorities.
Conflicts of interest
As your counterparty, conflicts can arise. We maintain a policy to manage them fairly; a summary is available on request.
Client money
Client funds are held in segregated accounts at reputable banks, apart from company funds, in line with regulation. No interest is paid unless agreed in writing. In the event of insolvency, client money would be returned under applicable law; compensation depends on your jurisdiction and contracting entity.
Limitation of liability
Liability for fraud, death or injury caused by negligence, and any liability that cannot be excluded, is not limited. Otherwise we are not liable for market losses, your decisions, system or third-party failures beyond our control, compromised credentials or indirect losses. You agree to indemnify us for losses caused by your breach or unlawful conduct.
Force majeure
We are not liable for failures caused by events beyond our control, such as disasters, war, pandemics, government action, market closures or system failures. In such events we may raise margin requirements, close positions, suspend trading or change trading hours.
Intellectual property and website use
Website and platform content belongs to or is licensed to us. It may be used only for personal, non-commercial purposes; copying, modifying or distributing it requires our written permission.
Suspension and termination
You may close your account with notice if you have no open positions and nothing outstanding. We may suspend or close accounts with at least 30 days' notice, or immediately for breaches, legal requirements or suspected fraud or misconduct. On termination, positions are closed at market prices, amounts owed are deducted and the remaining balance is returned.
Amendments
We may change these Terms for legal, regulatory, market or service reasons. Material changes are notified at least 14 days before taking effect unless the law requires a shorter period. If you disagree, you may close your account before the changes apply.
Complaints
Email complaints with "Complaint" in the subject line. We acknowledge them within five business days and aim to give a final response within regulatory timeframes. If unsatisfied, you may be able to escalate to [DISPUTE RESOLUTION BODY].
Governing law and jurisdiction
This agreement is governed by the laws of [JURISDICTION], whose courts have jurisdiction. This does not affect any mandatory consumer protections in your country of residence.
Contact us
Questions about these Terms can be sent to [email protected] or by post to our registered office at [ADDRESS].
Questions about these Terms?
Our team is available 24/7.