This Agreement is made between an individual and an organization where the former wants to create a trading account on the Platform to which the latter provides access. “Client” is the first party of the Agreement, henceforth be also known as “Trader”, “Investor”, or “Customer”. InvestiRay is the second party of the Agreement, henceforth be known as the “Company” or “Platform”. Both parties by their signature guarantee their awareness and understanding of the provisions of the Terms&Conditions prescribed below and guarantee their full compliance.
The Trader gives their voluntary consent to familiarize themselves with the terms and conditions that are available on the Company’s website and agrees to adhere to them from the moment they create an account on the Platform.
The Trader’s disagreement to comply with all the terms and conditions prescribed below, or even one provision, makes further cooperation between the parties impossible. Accordingly, the Trader cannot apply for the Company’s services.
Terms&Conditions provide for a mandatory condition regarding the age of the Trader who wants to use the Company’s services through the created trading account. Persons under 18 years of age cannot become a Client of the Platform. To confirm compliance with this provision, the Trader undertakes to verify their age.
If, after creating a trading account, the Company suspects the Trader of deception regarding their real age at the time of opening, such an account will be liquidated or deactivated.
1.1. The Client undertakes to independently familiarize themselves with the whole text of this Agreement, as well as read all the provisions and branches to it, and confirm that the text of everything read is clear to them.
1.2. The Company provides the Client with free access to the official website to acquaint themselves with any information published on it, and also start using the abilities of the Platform itself.
1.3. The Client agrees that the Company has a right to change the level or type of their trading account opened on the Platform. This consent also applies to any other modifications to the Terms of Website Usage. The Company makes the changes described above for valid causes and the benefit of the Client.
1.4. All changes related to the information on the site are made at the discretion of the Company itself and do not require additional approval from the Clients. Publication of amended provisions and information comes into force immediately after their availability on the website.
1.5. The terms and conditions specified in this Agreement have legal force and are binding on the Client from the moment of reading them.
1.6. The Client automatically agrees to follow all published changes to the Terms&Conditions. Every Client who does not agree with any changes made has the right to submit a special notice to the Company.
1.7. The use of any external update systems to conduct trading operations on the Platform is prohibited. The Company also does not allow the usage of robots to simulate intelligent analysis. The Client undertakes to adhere to this provision without exception.
2.1. The Company undertakes to take all necessary measures to protect any information about the Client. Such information includes personal data, transaction history, and trading account details. The Company also assumes the responsibility not to transfer protected data to third parties.
2.2. The Company has introduced improved security protocols into its protection mechanisms to ensure the safety of all electronic transactions carried out by the Client on the Platform.
2.3. The Company undertakes to provide the Client who has opened a trading account and has agreed to the provisions of this Agreement with complete confidentiality per its Policy.
KYC rules contain basic provisions that are binding on the Client. According to them, the Client is obliged to:
a) provide any document that confirms the Client’s identity – ID card, driver’s license, or passport. Such a document must be in the form of colour scanned copies on all sides;
b) provide the confirmation of the Client’s residential address. Colour scanned copy of the utility bill or equivalent document can serve as evidence and it should be valid for the last 3 months.
3.1. The Company is actively implementing advanced and high-tech security measures to effectively protect each Client. These measures also extend to safeguard against financial terrorism and money laundering.
3.2. The Company's policy implies the regularity of special complexes aimed at identifying any attempts at financial terrorism or money laundering.
3.3. A Client whose activity appears to be suspicious of financial illegitimacy or money laundering may be denied a transaction regardless of its stage.
3.4. Verification of the Client's account is a mandatory condition following the AML and KYC policies. This process includes verification of the Client’s personality, without which the Company cannot continue cooperation with the Client.
3.5. The Client undertakes not to conduct any financial transactions with third parties, including the transfer of funds under the Company’s AML policy.
3.6. To make a deposit or withdrawal, the Client of the trading account must provide a bank account or wallet in their name.
3.7. The Policy of the Company prohibits the creation of more than one trading account on the Client’s behalf. All other opened accounts are considered inactive and, hence, financial transactions are impossible.
4.1. The use, copying, and distribution of information from this Agreement is unlawful if it is used in criminal activities or for any other purposes not related to the operational work of the Platform and contrary to the Company’s established rules, jurisdictions and other internal regulations. The Client (individual, legal entity, and resident of certain jurisdiction) who signed the Agreement undertakes to comply with the obligation described above.
4.2. All information and innovative trading instruments located on the official website belong exclusively to the Company as the sole owner. The Company prohibits the Client (individual, legal entity, and resident of certain jurisdiction) from copying, transferring, or distributing its property to third parties.
4.3. The full text of the current Agreement is a mandatory set of rules for the Client during the Company's website and Platform usage. According to this condition, the Client who complies with the requirements provided additional protection of their personal data from misuse and guarantees that the Company’s copyrights are not violated.
5.1. If the Client experiences incidental, extraordinary, direct or indirect losses during the usage or mishandling of the Website and Platform, they are solely responsible, since this does not fall under the liability of the Company.
5.2. As a result of Clients' losses due to lost profits, currency incidents, government judgments, and inconsistent market prerequisites, the Company also does not bear responsibility for them.
5.3. Other losses incurred and refusal of them by the Client of which the Company was aware in advance are also not included in the latter’s liability.
6.1. All pages, screens, published information, graphics, etc. are the sole property of the Company.
This Agreement is concluded between two parties who, with their signatures, indicate their desire to cooperate. The first party to the Agreement is an individual, henceforth known as “Client”, “Trader”, “Investor”, or “Customer”, whose intention is to open a trading account on the Platform and its further use. The above party undertakes to familiarize and content to all provisions specified in the Agreement and the Second Party to the Agreement is InvestiRay, henceforth be known as the “Company” or the “Platform.”
1.1. In this Agreement, the legal and related parties are the Company and the Customer. Both parties are bound by the provisions of the Agreement and other legal documents of the Company.
1.2. The terms of this Agreement determine the party who has the authority to make any changes when placing trades and orders. The Company is recognized as such party.
1.3. Confirmation of a trading account is a mandatory condition before the Client is allowed to use the Company’s services and the Platform itself. To complete this stage, the Client must provide personal information through uploaded documents.
1.4. If the Client refuses to provide the documents requested by the Company, the latter has the authority to refuse to open a trading account and further use of the Platform’s services.
1.5. The Company reserves the right to refuse a person's request to open a trading account, regardless of the results of the verification.
2.1. The current Agreement delineates the requisite steps for a Trader to open a trading account:
a) submit the personal information through the official website’s registration form;
b) upon the Company’s confirmation of the account’s opening, the Trader is expected to initiate a deposit via any of the offered payment methods.
2.2. After the Trader has completed all the steps described above (registration, confirmation, deposit), the account creation process is completed.
3.1. The Trader has a prerogative to transfer any available sum to the Company’s designated bank account, in accordance with their trading objectives.
3.2. Under the Company’s terms specified in this Agreement, a minimum deposit of 200 can be made using various payment options available on the Platform. These include credit, debit, prepaid cards, as well as bank and wallet-to-wallet transfers.
3.3. The Company reserves the exclusive right within the Agreement to modify, supplement, or broaden the list of payment methods accessible to the Trader.
4.1. The Company has the right to credit the money and deem it accessible for the Client’s use only after the latter shares the proof of sending it to the trading account.
4.2. The Company has the right to set the list of the possible deposit or withdrawal methods the Client can use for financial transactions relevant to the trading account.
4.3. The Company always notifies the Client about the changes in exchange rates and payment methods that can influence the end amount of funds input into the account beforehand. The Client should also remember the acceptable difference between the two currencies – of the trading account and of the bank account of choice.
4.4. The Client gives their consent and proves that they are familiar with possible changes in exchange rates by creating a trading account on the Company’s Platform.
4.5. The Company obeys the AML policy, which states that the name and country of residence of the Client should match both in the bank account that launched the transfer and the trading account opened on the Platform.
4.6. The Client must always provide a matching SWIFT evidence of the payment they made, like a receipt or any other relevant document, to the Company. If the Client is unable to share that proof, the Company has the right not to transfer the amount to the former’s account.
4.7. The Client is liable for withdrawing their funds with the same payment method which initiated the deposit in the past, based on the rules of the Policy.
4.8. The Company updates and applies the latest standards and approaches to its security policy to provide each Client with a guarded place to make financial transactions. Modern encryption methods are used to keep all personal and financial data safe and confidential.
4.9. The Company will not be liable for the private and financial losses, as well as data breach the Client is personally responsible for. This includes violations like pressing suspicious buttons and links, unintentionally spreading malware, and sharing their device password.
4.10. The Client is free to choose from several payment methods available and provided by the Company, such as:
a. Credit/Debit/Prepaid Cards.
b. Bank Transfers.
c. Wallet-to-Wallet.
5.1. According to the Company’s rules, the Client’s financial operations might be accompanied by additional fees that will be withdrawn from the latter’s trading account, and both sides have previously agreed to those terms. Only the new version of the Agreement can change this rule. Different components of the financial market can influence additional costs, thus, the Client should contact Customer Assistance for further information.
5.2. The Company has the right to accumulate commissions and fees from the Client’s trading account depending on the services provided by the Platform like the ratio of supply and demand, analyses, markups, discounts, and others. The fees are collected regardless of the payment method and will be put in force after the successful resolution of such. The Company also has the right to develop and update the withdrawal rules and applicable fees. The Client agrees to carry out the payments of all transaction fees, as well as complies with their fluctuations based on market conditions, changes in asset prices, financial instruments and other factors.
5.3. Based on the Company’s general rules, each Client is granted financial services with applicable prices, bonuses, discounts, and offers/requests for distributions. The Client’s trading account is the receiving side of the fees and commissions. The Client is liable for paying the aforementioned commissions according to the Company’s rules and additional regulations.
5.4. If the Client requests more than one transaction in a row, the Company has the right to apply more fees to the former’s trading account.
5.5. The Client may have to provide a fee for a swap with a fixed rate in case they have open trading positions left after a trading session. The Company can proceed with relevant commissions regularly.
5.6. Upon each fluctuation applicable to the amount and percentage of the commission, the Company is accountable for informing the Client.
6.1. By registering on the Platform and creating a trading account, the Client proves that they have read the Bonus Policy and agreed to each of its rules, including the ones all participants of the Policy follow, as well as permit the Company to send the bonuses and other funds to their trading account.
6.2. The Client and the Company’s correspondence will not change in the case the former rejects the incoming bonuses.
6.3. The Company can use various points of motivation for the Client, including promotions and bonuses. The Client’s financial history and requests heavily influence the aforementioned. The rules for receiving shares and bonuses are identical for each Client. Thus, the Client is liable for reading and acquainting themselves with said rules and attributes for the promotion or bonus, as well as carrying them out throughout the whole span of the offer.
6.4. In case the Client wants to acquire bonuses, they should be aware of the skills and knowledge needed for their successful handling. The Client undergoes certain risks, including the loss of profit and bonus funds when they handle the bonuses without essential skills. In that case, trading CFDs is also a risky venture.
6.5. The Company can propose bonuses and deals, which will be available for the Client only, on the terms of its own accord. The sale or transfer of the bonuses and promotions mentioned in this Policy is prohibited, thus, the Client who received the proposal is the only person who can use it.
6.6. When the bonuses and promotions are proposed by the Company, they should match the currency of the Client’s trading account.
6.7. The Company is the only entity that can state the duration of the bonus or promotion. Furthermore, different rules apply to each bonus and promotion. The Company has the right to reject the previously given proposal in case the Client does not agree with its rules. The latter agrees with the rules of the promotion by accepting it, and cannot alter them without the Company’s approval.
6.8. In the case when the Client maltreats the bonus offer and/or the Company receives proof of such, it has the right to nullify the offer and/or close the Client’s trading account.
6.9. In case the Client reaches the minimum trading volume (bonus amount *7 in lots) or replenishes the amount by personal funds from their trading account, they can withdraw that amount from their bonus account.
6.10. The withdrawal amount may fluctuate based on the possible debt repayment in case the Client has a credit commitment to the Company.
CFD trading is a process of buying and selling CFD contracts by the Trader while the underlying assets are not under their proprietorship. The trading process heavily depends on price swings. The Trader purchases CFD when the price is expected to rise and sells it when the price is expected to go down. The value of the CFD and the underlying asset are bound, and it is always possible to find out the price of the contract based on the price of the product under it.
The price of assets devolves on multiple elements, including government policy, market conditions, and macroeconomic processes. Every Trader should take those factors into account when undertaking business matters. Even the smallest changes in the price of an asset can shift the tone of the Trader’s loss or profit when trading CFD.
The Trader can use the supplier margin compensation in the case when they are experiencing an unprofitable market situation with any underlying asset. The Company has the right to close the position from its side of the trading deal if the Client infringes at least one rule of the Platform regarding margin compensation. When that happens, the Client must close the position and accept the depletion of their profits.
Despite the variety of elements clearly influencing the value of assets and CFD, the Trader should pay the closest attention to market conditions. Having said that, any drastic shift in the asset price can escalate the Trader’s losses significantly. In the case when the losses resume, the Company will recognize the Trader’s contract as undervalued.
The aforementioned status of a contract means that the Client must pay an additional CFD margin to the provider. If the Client does not comply with this part of the Agreement and does not pay the additional fee, they must terminate their contract at a reduced price. The reason for the price drop is the continuous changes in the trading market.
Recurrent shifts constantly change the price of CFDs, characterizing it as an unstable constituent in the financial market. Thus, the original price of the contract which is stated in the Agreement is a likely closing outcome during a trading deal. The Trader should consider the fault of the CFD provider when facing changes in price, including deficient returns or financial losses.
After registering on the Platform, the Client gains access to outstanding trading tools, which they can take advantage of to analyse the market fluctuations and come up with the perfect profit-loss ratio to receive the most advantageous gains. The Client can also close the order automatically by using the Stop Loss mark.
The Trader can face losses and insufficient contract closing even when their profit-loss ratio is carefully analysed, their investment is small, and they use all instruments provided by the Platform when trading CFD. When using borrowed finances, the Trader must first conduct the market analysis, and then open the position.
The prime ratio of losses and profits is 1 to 3. The first number can be bigger than stated, as those circumstances are allowable.
The Client must read, study, and comply with each part of this Agreement, and therefore consent to working with the Company, its employees, directors and officers on the terms stated herein. The Client is liable for any financial losses, additional fees and expenses based on their infringement of the rules and laws, this Agreement, and similar jurisdictions.
Based on the rules of this Agreement, the Company can issue a fee to the Client’s trading account in case of offence of the former’s employees, directors, and officers. The amount can vary depending on the misdeed of the Client.
The Company maintains its high level and outstanding services, which is clear from its growing Client base and the incoming payments to the personal trading accounts.
The Client and the Company use English as the official language of their communication. The Client can compose a relevant request to change the language of future communication.
The Company has the right to alter, upgrade, and expand this version of the Agreement without the Client’s permission. When the Company posts the new version of the Agreement on the official website of the Platform, it becomes lawful.
The official language of current and future versions of the Agreement is English.
The English version of the Agreement is considered the legitimate one in the case when the translations of it are inaccurate or invalid. If the Client needs clarification or has any questions relevant to this Agreement, they can reach out to the Company support team.
The Company is liable for acknowledging the pending request from the Client within the justifiable duration of time. The usual course of reading and approving of the request, as well as analysing the Client’s information (e.g. transaction history, telephone records, email correspondence, personal data, received documents) is 7-10 days.
The acknowledgement of the Client’s request might call for additional personal information and documentation, which is needed only for request consideration. The Client is liable for providing such details as soon as they receive the relevant inquiry.
In case the account the Company is charging fees to is inactive or low in activity, has a minimal balance, or does not have a history of transactions at all, it is still reasonable based on this Agreement. As long as the Agreement between the Client and the Company is active, this rule is valid.
The Company is the only entity dictating the minimum amount for account management. The Company will alert the Client in the case of insufficient payment.
Discontinuation of this Agreement settled between the Client and the Company can result in the latter partly or entirely limiting/closing the current positions of the former or even restricting access to the trading account.