Terms Of Service

These Terms of Service (“Agreement”) together with the Terms of Use, Privacy Policy, Risk Disclosures, and any product schedules or order forms presented at onboarding, form the contractual framework for commercial Services. Capitalized terms used but not defined here have the meanings given in the Terms of Use.

1. Parties, formation, and priority of documents

1.1. This Agreement is between DeciPoin (including its applicable affiliates that provide Services in your region, as identified in onboarding or account statements) and you, the Client.

1.2. By clicking acceptance, signing an application, funding an account, placing an order, or continuing to use commercial features after notice of changes, you agree to this Agreement.

1.3. If a conflict arises among documents, the following order of priority applies unless a document expressly states otherwise: (a) a signed, jurisdiction-specific client agreement or addendum; (b) product-specific risk and cost disclosures required by regulation; (c) this Agreement; (d) the Terms of Use; (e) general marketing or help-center materials.

2. Nature of Services; not personalized advice

2.1. DeciPoin provides an online environment to access financial or simulated financial products, subject to your eligibility, our product menu, and Applicable Law. Features may include demo accounts, live accounts, charting, technical indicators, economic calendars, alerts, and integrations with payment providers.

2.2. Unless we expressly agree in writing and hold the relevant authorizations in your jurisdiction, DeciPoin does not provide personalized investment advice, portfolio management, or tax advice. Any educational content, signals, or social features are informational and may be incomplete or delayed.

2.3. You are solely responsible for evaluating whether any product is suitable for you, including your financial situation, objectives, experience, and tolerance for loss.

3. Eligibility, onboarding, and representations

3.1. You represent and warrant at onboarding and continuously that all information you supply is true, accurate, and not misleading; that you have legal capacity; and that you will notify us promptly of any material change.

3.2. You represent that you are acting on your own behalf as beneficial owner of funds (unless we have approved a formal corporate or trust structure with full documentation) and that funds are not derived from illegal activity.

3.3. We may refuse service, impose limits, or offboard Clients based on risk appetite, regulatory constraints, credit risk, or operational capacity.

4. Account types, currencies, and statements

4.1. We may offer multiple account tiers, base currencies, and leverage or payout parameters. Parameters applicable to your account appear in the client area and may change prospectively with notice where required.

4.2. Account statements, trade confirmations, and fee reports are made available electronically. You must review them promptly and report discrepancies within the timeframe stated in the client area (or, if none, within seven (7) calendar days).

4.3. Records maintained by our systems, subject to documented errors proven by you, are presumptive evidence of transactions, subject to mandatory law.

5. Client funds, safeguarding, and no interest

5.1. Depending on our legal structure and regulatory permissions, Client money may be held in segregated accounts, trust arrangements, or other mechanisms described in the legal notices and product documentation. Segregation does not guarantee full recovery in insolvency.

5.2. Unless expressly stated for a regulated savings or interest-bearing product, you are not entitled to interest on balances, and we may retain interest earned on pooled balances to the extent permitted by law.

5.3. You acknowledge that certain products may be structured as contracts with us as counterparty, meaning you have a contractual claim rather than ownership of underlying assets.

6. Deposits, payment methods, and chargebacks

6.1. Deposits must be made using methods displayed in the client area. We may restrict methods by region, verification level, or risk score.

6.2. You must use only payment instruments registered in your name unless we approve third-party funding in writing with supporting evidence. We may reverse, hold, or return deposits that fail name matching or source-of-funds review.

6.3. Deposits may be subject to minimums, maximums, processing times, and fees disclosed at checkout. FX conversion may occur at rates shown or at reference rates plus spread.

6.4. Chargebacks, payment disputes, and “friendly fraud” may result in account suspension, offset against balances, reporting to fraud databases, and legal action. You agree to cooperate with reasonable requests to resolve payment investigations.

6.5. We may apply deposit holds, rolling reserves, or velocity limits where required by acquirers or our risk policies.

7. Withdrawals, refunds, and clawbacks

7.1. Withdrawal requests must generally be directed to the original funding path (“closed loop”) where technically and legally possible, to mitigate money laundering risk.

7.2. We may require additional verification, source-of-wealth documentation, or cooling-off periods before releasing funds, particularly after password resets, device changes, or bonus activity.

7.3. Processing timelines are estimates. Delays may arise from bank cutoffs, public holidays, compliance queues, or third-party failures.

7.4. If we have reasonable grounds to suspect fraud, market abuse, bonus abuse, or violation of this Agreement, we may withhold funds pending investigation, offset lawful claims, or return funds to source.

7.5. Dormant or inactive accounts may be subject to fees or escheatment procedures as disclosed and as permitted by law.

8. Fees, costs, spreads, swaps, and taxes

8.1. You agree to pay all fees, spreads, commissions, overnight financing (“swap”), inactivity fees, conversion fees, and third-party charges disclosed on the Platform or in tariff schedules.

8.2. We may change fees prospectively with notice where required. Continued use after the effective date constitutes acceptance unless you close your account beforehand subject to settlement of obligations.

8.3. You are responsible for all taxes, levies, and reporting arising from your activity. We may withhold where required by tax law or provide information to tax authorities under intergovernmental agreements.

9. Orders, execution, prices, and market conditions

9.1. Orders are instructions you submit through the Platform. We may support market, limit, stop, and other order types as specified in documentation. Order availability may vary by instrument and session.

9.2. Prices may be sourced from liquidity providers, exchanges, or synthesized methodologies for OTC products. Prices may differ from other venues. Latency, gaps, and volatility can cause slippage.

9.3. We strive for fair and transparent execution consistent with our order execution policy (if published). Factors may include price, costs, speed, likelihood of execution, and order size.

9.4. We may reject, delay, or requote orders in cases including insufficient margin, market closure, news events, system issues, suspected abuse, or regulatory halts.

9.5. In the event of manifest error, system malfunction, or off-market quotes, we may cancel or adjust trades, amend account balances, or apply corrections as described in our error policy.

10. Leverage, margin, liquidation, and negative balance

10.1. Where leverage is offered, you must maintain required margin. We may issue margin calls and, without further notice where permitted, liquidate positions to restore margin compliance.

10.2. Stop-loss orders are not guaranteed at a specific level during gaps. Account balances can approach zero rapidly in volatile markets.

10.3. Unless we have expressly offered negative balance protection in writing for your account type and jurisdiction, you may owe us amounts in excess of deposits. We may pursue recovery where permitted by law.

11. Bonuses, promotions, and loyalty programs

11.1. Bonuses are discretionary, may require opt-in, and are governed by specific rules including turnover requirements, time limits, withdrawal restrictions, and prohibition of hedging or arbitrage across accounts.

11.2. We may void bonuses, cancel profits attributable to bonus abuse, or close accounts for circular trading, opposite positions across related accounts, or other manipulative patterns.

12. Prohibited trading practices

12.1. Without limitation, you shall not engage in: insider trading; front-running; layering or spoofing; quote stuffing; latency arbitrage exploiting system delays; coordinated manipulation; pump-and-dump schemes; use of anonymous proxies to evade controls; or any practice we designate as abusive.

12.2. We may apply surveillance tools, impose minimum time-in-force, widen spreads, reduce leverage, or exclude instruments for accounts exhibiting abusive patterns.

13. Market data and intellectual property

13.1. Real-time market data may be subject to exchange or vendor redistribution rules. You shall not redistribute data feeds without authorization.

13.2. DeciPoin retains all rights in platform software, APIs, and analytics. You receive only the limited licenses necessary to use the Services.

14. Confidentiality and communications

14.1. Non-public information about our systems, pricing logic, liquidity arrangements, and risk controls is confidential. You shall not disclose or use such information except as needed to use the Services.

14.2. We may send operational, legal, and marketing communications in line with your preferences and our Privacy Policy. Security notices are not optional where delivery is required to protect accounts.

15. Data protection

15.1. Processing of personal data is governed by our Privacy Policy, which is incorporated by reference.

15.2. You consent to recording and processing of trading, communications, and verification data for compliance, audit, and dispute resolution purposes.

16. AML, CTF, sanctions, and reporting

16.1. We maintain anti-money laundering and counter-terrorist financing programs including customer due diligence, transaction monitoring, and suspicious activity reporting where required.

16.2. You agree that we may delay, block, or terminate transactions and disclose information to regulators, law enforcement, and counterparties when we believe in good faith that such action is required.

17. Complaints handling

17.1. Complaints may be submitted via the support channels identified on the Platform. We will acknowledge and investigate in accordance with internal policies and regulatory timeframes where applicable.

17.2. If you remain dissatisfied and a regulatory ombudsman or alternative dispute resolution scheme applies, you may escalate as described in jurisdictional disclosures.

18. Limitation of liability

18.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DECIPOIN SHALL NOT BE LIABLE FOR TRADING LOSSES, LOST PROFITS, INDIRECT OR CONSEQUENTIAL DAMAGES, OR DAMAGES ARISING FROM MARKET MOVEMENTS, THIRD-PARTY PROVIDERS, OR YOUR FAILURE TO UNDERSTAND PRODUCT RISKS.

18.2. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL BE LIMITED AS SET FORTH IN THE TERMS OF USE OR, IF GREATER AND PERMITTED, TO THE NET FEES WE EARNED FROM YOUR ACCOUNT IN THE SIX (6) MONTHS PRECEDING THE CLAIM (EXCLUDING SPREADS AND THIRD-PARTY PASS-THROUGH COSTS).

18.3. Nothing in this Agreement excludes liability that cannot be excluded under mandatory consumer or financial regulations applicable to you.

19. Indemnity

19.1. You agree to indemnify DeciPoin against claims arising from your trading, your breach of this Agreement, your violation of Applicable Law, or your infringement of third-party rights, except to the extent caused by our gross negligence or willful misconduct as finally determined by a competent authority.

20. Term, suspension, and closure

20.1. This Agreement continues until terminated. You may close your account subject to settlement of trades, fees, and investigations.

20.2. We may suspend or terminate immediately for risk, legal, or operational reasons, including material breach, sanctions concerns, or regulatory direction.

20.3. Termination does not affect accrued rights, obligations, or remedies. Provisions intended to survive will survive.

21. Force majeure

21.1. We are not liable for failure or delay due to events beyond reasonable control, including acts of God, war, terrorism, labor disputes, utility failures, cyber incidents, government actions, exchange closures, or liquidity provider outages.

22. Assignment; third-party beneficiaries

22.1. You may not assign this Agreement without our consent. We may assign to affiliates or successors in connection with a reorganization or asset sale.

22.2. Unless expressly stated, nothing confers third-party beneficiary rights.

23. Governing law, venue, and class waiver

23.1. This Agreement is governed by the laws and forum stated in the Platform legal notices, subject to non-waivable protections for consumers.

23.2. To the extent permitted, disputes shall be resolved in the courts or arbitration forum designated in those notices, after good-faith negotiation.

24. Electronic signatures and records

24.1. You consent to electronic delivery of disclosures, statements, and amendments. Your electronic acceptance has the same effect as a handwritten signature where permitted by law.

25. Miscellaneous

25.1. If any provision is invalid, the remainder remains enforceable. Waivers must be written. This Agreement is the complete statement of the commercial relationship except as supplemented by signed addenda.

25.2. Notices: legal notices to DeciPoin may be sent to support@decipoin.com with “Legal Notice — Terms of Service” in the subject line, and via any registered address published on the Platform.

26. Schedules and disclosures incorporated by reference

The following categories of documents, when published on the Platform, are incorporated by reference to the extent they apply to your products and region: Risk Warnings; Conflicts of Interest Summary; Order Execution Policy; Costs and Charges; Best Execution Report summaries; Cookie Policy; Complaints Policy; and any key information documents required for retail clients.

27. Definitions schedule (non-exhaustive)

“Client” means the User who opens a commercial relationship with DeciPoin. “Contract Specifications” means per-instrument trading rules including session times, tick size, margin rates, and swap formulas. “OTC” means over-the-counter trading with DeciPoin or its liquidity providers rather than on a regulated exchange order book. “SL” and “TP” mean stop-loss and take-profit instructions, which may execute at worse levels during volatility.

28. Acknowledgements

By using the Services, you acknowledge that you have read and understood this Agreement, that trading can result in losses exceeding your initial deposit where leverage applies and negative balance protection does not, and that you should seek independent professional advice if uncertain. You acknowledge that electronic trading carries unique risks (connectivity, hardware, third-party software) and that you have assessed whether online trading is appropriate for you.

29. Set-off, combination, and consolidation

29.1. To the extent permitted by Applicable Law, we may combine, consolidate, or set off any amounts owed by you to DeciPoin against any amounts owed by DeciPoin to you across accounts, wallets, or currencies, including converting balances at our then-prevailing rates.

29.2. We may apply proceeds from liquidation of positions to satisfy margin deficits, fees, negative balances, chargebacks, or judgments before releasing remaining funds.

30. Currency, rounding, and precision

30.1. Account ledgers may display values rounded for presentation. Internal calculations may use higher precision. Rounding differences do not create a separate claim absent manifest error.

30.2. Where deposits arrive in a currency different from your account base currency, conversion may occur at rates disclosed at funding time, including spreads or fees.

31. Corporate actions, dividends, and synthetic adjustments

31.1. For CFDs, options, or other synthetic exposures, corporate actions (splits, mergers, spin-offs, distributions) may be reflected by adjustments to open positions, cash adjustments, or closures as described in contract specifications. Timings may differ from underlying markets.

31.2. You bear the economic effect of such adjustments, including tax implications you must evaluate with your advisers.

32. Best execution factors

32.1. When executing your orders, we may consider price, costs, speed, likelihood of execution, size, nature of the order, market conditions, and any other relevant execution factor published in our order execution policy.

32.2. Retail client orders may be internalized, hedged, or passed to liquidity providers as described in disclosures. This may create conflicts we manage under our conflicts policy.

33. Conflicts of interest

33.1. Conflicts may arise because we act as principal, earn spreads, hold proprietary positions, route flow to affiliated entities, or receive remuneration from third parties. We maintain organizational arrangements to manage conflicts, but residual conflicts may remain.

33.2. You consent to such arrangements where disclosed and where permitted by law, subject to your statutory rights.

34. Dealing as principal and proprietary risk

34.1. Unless a disclosure states otherwise for a specific product, we may be the sole counterparty to your trades. Prices may be set with reference to underlying markets but are not guaranteed to match exchange prints.

35. Manifest error, palpable mistake, and corrections

35.1. If a price, margin parameter, or system output is clearly wrong (“off-market”) due to fat-finger input, data feed glitch, or software defect, we may void, amend, or rebook affected trades and adjust balances, including after settlement, as required for fairness and system integrity.

35.2. You must notify us promptly of suspected errors. Deliberate exploitation of errors constitutes abuse.

36. Voice trading and recorded lines

36.1. If we offer telephone dealing, calls may be recorded for compliance, training, and evidence. Recordings may be disclosed to regulators or courts when lawfully required.

37. Referrals, incentives, and third-party introducers

37.1. Introducing brokers, affiliates, or influencers may describe our Services. Their statements are not ours unless expressly approved. You must rely only on official Platform disclosures for costs and risks.

37.2. Incentive payments to third parties do not increase your trading costs beyond what is disclosed unless Applicable Law requires otherwise.

38. Powers of attorney and authorized persons

38.1. If you grant trading authority to a third party, you remain fully liable for their acts and omissions. We may refuse to recognize a power of attorney absent satisfactory documentation.

39. Joint accounts

39.1. Joint accountholders are jointly and severally liable. Instructions from one joint holder may be acted upon if our joint-account rules permit, unless you configure dual authorization where available.

40. Death, incapacity, and succession

40.1. Estates, executors, or court-appointed representatives must provide probate documents, court orders, or equivalent before we transfer or distribute assets. We may freeze accounts upon notice of death or incapacity pending verification.

41. Client insolvency

41.1. If you become subject to insolvency proceedings, we may close positions, net obligations, and prove claims in the proceeding as permitted by law.

42. Demo and simulation accounts

42.1. Demo balances are fictitious. Fills, slippage, and latency may not replicate live conditions. Performance on demo is not indicative of live results.

42.2. We may reset, suspend, or terminate demo accounts without notice.

43. Minimum and maximum trade sizes; exposure limits

43.1. Per-instrument minimum and maximum stakes, open interest limits, and concentration limits may apply dynamically based on volatility, liquidity, or risk settings.

44. Swaps, rollovers, and holding costs

44.1. Positions held past a published cutoff may incur financing charges or credits computed per contract specifications, including triple swap on identified roll days.

44.2. Islamic or swap-free account types, if offered, have alternative fee mechanics described in the relevant schedule.

45. Order types and conditional orders

45.1. Stop and limit orders are not guaranteed during gaps. Trailing stops reprice according to rules in the terminal documentation. One-cancels-other and other complex orders may have partial fill behavior.

46. Tax information exchange

46.1. We may collect tax residency and taxpayer identification information and report to authorities under FATCA, CRS, or domestic rules. You must certify accuracy and update changes.

47. System failure and alternative arrangements

47.1. During outages, alternative channels (if any) published on the status page may be used. We are not liable for inability to close positions during failures except where mandatory law provides otherwise.

48. Changes to contract specifications

48.1. We may adjust trading hours, margin rates, contract sizes, tick values, or symbol availability with notice where practicable. Open positions may be subject to new parameters prospectively or after a stated cutover.

49. No fiduciary duty

49.1. Unless a separate fiduciary agreement exists in writing, we owe you contractual and regulatory duties only, not a fiduciary or advisory duty of loyalty in the broadest sense.

50. Contract language

50.1. If this Agreement is available in multiple languages, discrepancies are resolved per the priority stated at onboarding; absent a statement, the English version controls for international clients unless local law mandates a local language version.

51. Retail-specific confirmations

51.1. Where you are classified as a retail client, additional risk warnings, leverage caps, or negative-balance protections may apply as mandated in your jurisdiction. Professional or elective professional reclassification, if available, requires formal process and loss of certain protections.

52. Quantitative information about costs

52.1. You should review the costs and charges disclosure including spreads, commissions, swaps, currency conversion, inactivity fees, and payment fees before trading. Costs compound over time and materially affect net returns.

53. Contact and formal communications

For contractual notices and questions about this Agreement, contact DeciPoin at support@decipoin.com (subject: “Legal Notice — Terms of Service”) and use any registered postal address published in the Platform legal notices for formal service where required.