Terms of Service

Effective Date: October 1, 2025
Last Updated: March 13, 2026

1. Introduction and Acceptance

Welcome to UTradeCapital Inc. ("UTradeCapital," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our proprietary trading services, including evaluation challenges, funded trading accounts, and related platforms and tools (collectively, the "Services").

By registering for, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.

If you do not agree to these Terms, you must not use our Services.

We provide services to traders worldwide.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be a resident of any jurisdiction where our Services are prohibited by law
• Comply with all applicable local, state, national, and international laws
• Provide accurate, current, and complete information during registration

By using our Services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

3.1 Account Creation

To access our Services, you must create an account by providing:

• Full legal name
• Valid email address
• Contact information
• Government-issued identification (for KYC compliance)
• Any other information we reasonably require

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

3.3 Account Accuracy

You must provide accurate and truthful information. Providing false information or impersonating another person may result in immediate account termination.

4. Trading Challenge Programs

UTradeCapital offers three main challenge options:

4.1 UTrade 2-Step Challenge

The UTrade 2-Step Challenge follows a two-phase evaluation process. Complete both assessment phases to receive your funded account.

Available Account Sizes and Fees:

Evaluation Structure:

• Phase 1: Achieve 8% equity growth target
• Phase 2: Achieve 5% equity growth target
• Maximum Daily Loss: 5%
• Maximum Drawdown: 7% (Static, based on closed balance, does not trail)
• Maximum Time: Unlimited
• Leverage: Up to 1:50 (Forex & Metals), 1:10 (Indices), 1:5 (Oil), 1:2 (Crypto)

4.2 UTrade 1-Step Challenge

The UTrade 1-Step Challenge follows a one-step evaluation process. Complete a single assessment phase with a 10% equity growth target, then receive your funded account.

Available Account Sizes and Fees:

1-Step Challenge Rules:

• Account Sizes: 5K, 10K, 25K, 50K, 100K, 250K, and 400K
• Assessment Equity Growth Target: 10%
• Maximum Daily Loss: 5%
• Maximum Drawdown: 6% (Equity-based, does not trail)
• Maximum Time: Unlimited
• Leverage: Up to 1:50 (Forex & Metals), 1:10 (Indices), 1:5 (Oil), 1:2 (Crypto)
• Gains Split: 80/20

4.3 UTrade Instant Funding

With Instant Funding, there is no evaluation phase. You receive a funded account immediately upon purchase and can begin trading right away.

Available Account Sizes and Fees:

Instant Funding Rules:

• Account Sizes: 5K, 10K, 25K, 50K, and 100K
• No Evaluation Phase: Begin trading immediately
• Maximum Daily Loss: 5%
• Maximum Drawdown: 6% (Equity-based, does not trail)
• Leverage: Up to 1:50 (Forex & Metals), 1:10 (Indices), 1:5 (Oil), 1:2 (Crypto)
• Gains Split: 80/20

4.4 Trading Platforms

• All Accounts: DXtrade, MatchTrader, cTrader, and GooeyPro (via GooeyTrade)
• We have risk management software that is synced with the accounts we create. This allows us to analyze your performance in real time for achievements or rule violations. As such, you must use an account that we provide to you.

5. Trading Rules and Requirements

5.1 Risk Management Rules

All Account Types (2-Step, 1-Step, and Instant Funding):

• Maximum Daily Loss: 5% of account balance (resets daily at 5:00 PM EST, calculated using the greater of the prior day's end-of-day balance or equity)
• Maximum Overall Drawdown (2-Step): 7% static, based on closed balance. The Maximum Drawdown remains at the same value for as long as the account remains active.
• Maximum Overall Drawdown (1-Step & Instant Funding): 6% equity-based, does not trail. The Maximum Drawdown remains at the same value for as long as the account remains active.
• Leverage: Up to 1:50 (Forex & Metals), 1:10 (Indices), 1:5 (Oil), 1:2 (Crypto)

Reaching any drawdown limit constitutes a hard breach and results in immediate challenge failure or funded account termination.

5.1.1 Lock Upon Payout

All funded accounts have "Lock Upon Payout" enabled by default. When you submit a payout request, the maximum drawdown becomes permanently locked at the original starting balance. From that point forward, the account balance may not fall below the starting balance.

Traders may elect to purchase an add-on for 25% of the challenge purchase price to disable the Lock Upon Payout feature.

5.2 Equity Growth Targets

2-Step Challenge:

• Phase 1: 8% equity growth target
• Phase 2: 5% equity growth target

1-Step Challenge:

• Assessment: 10% equity growth target
• Once funded, no further equity growth target — start trading and withdrawing

Instant Funding:

• No equity growth target — start trading and withdrawing immediately

5.3 Minimum Trading Requirements

• Minimum 3 profitable trading days
• Each profitable day must have a minimum gain of 0.5%
• Days do not need to be consecutive

5.4 Maximum Inactivity

• All Accounts: 30 consecutive days of inactivity will result in your account being considered inactive and breached

5.5 News Trading Restriction

5.6 Automated Strategies

Subject to our Prohibited Trading policy below, you may trade using an automated strategy (Expert Advisor).

5.7 Prohibited Trading Strategies

The following are strictly prohibited ("Prohibited Trading"). If you are unsure whether your strategy is allowed, contact us before trading.

• Latency arbitrage and price exploitation — Taking advantage of slow price feeds, platform delays, or pricing errors to gain an unfair edge
• Tick scalping / HFT-style trading — Placing and closing trades within seconds purely to exploit execution speed or small price discrepancies
• Insider trading — Trading on non-public or insider information
• Front-running — Placing trades ahead of known orders placed elsewhere
• Copy trading services and account management — Having someone else trade your account, or using a copy trading service to mirror another trader's positions on your account
• Challenge-passing services — Using any third-party strategy, off-the-shelf bot, or service that is marketed specifically to pass prop firm challenges
• Strategy switching after funding — Using one strategy to pass your assessment, then switching to a completely different strategy once funded
• Arbitrage between accounts — Hedging or arbitraging positions between your UTradeCapital account and any other account (yours or a third party's), whether with us or another company
• Hedging across multiple UTradeCapital accounts — Opening opposite positions on the same instrument across two or more of your UTradeCapital accounts
• Martingale and grid strategies designed to exploit drawdown rules — Aggressive position-doubling or grid systems used primarily to recover losses in a way that games the drawdown limits
• Gap trading exploitation — Deliberately holding large positions over weekends or holidays solely to profit from price gaps at market open
• Trading that harms our liquidity provider relationships — Any trading activity that could cause our liquidity providers to cancel trades, restrict our access, or raise regulatory concerns
• Any other form of manipulation or abuse — Any activity designed to exploit, manipulate, or abuse our systems, platforms, or rules

If the Company detects that your trading constitutes Prohibited Trading, your participation in the program will be terminated and may include forfeiture of any fees paid to the Company. Additionally, before any Trader shall receive a funded account, the trading activity of the Trader shall be reviewed by both the Company and the Liquidity Provider to determine whether such trading activity constitutes Prohibited Trading. In the case of Prohibited Trading, the Trader shall not receive a funded account.

The Company reserves the right to disallow or block any Trader from participating in the program for any reason, in the Company's sole and absolute discretion.

5.8 Position Sizing

• The maximum position you may open is determined by your available margin
• We reserve the right to increase the margin requirement, limit the number of open positions you may enter or maintain in the Funded Account at any time, and to revise in response to market conditions the drawdown levels at which trading in the Funded Account will be halted
• We or the Broker reserve the right to refuse to accept any order

5.9 Lot Sizes

On our trading platforms, lot sizes are defined as follows:

• Forex: 1 lot = $100k notional
• Indices: 1 lot = 1 Contract (Exceptions: SPX500 = 10 contracts, JPN225 = 500 contracts)
• Cryptos: 1 lot = 1 coin
• Silver: 1 lot = 5000 ounces
• Gold: 1 lot = 100 ounces
• Oil: 1 lot = 100 barrels

5.10 Weekend Positions

Positions can be held over the weekend.

5.11 Allowed Trading Instruments

• Forex: FX pairs including majors, minors, and exotics
• Indices: CFD Indices (US30, NAS100, SPX500, and others)
• Commodities & Metals: Gold, Silver, Oil, and other available commodities
• Cryptocurrencies: Available crypto pairs
• Specific instrument availability may vary by trading platform and products streamed by the Liquidity Provider. Available products may change from time to time.

6. Funded Trading Accounts

6.1 Qualification

Upon successfully completing the evaluation (both phases for 2-Step, or a single phase for 1-Step), you will be offered a funded trading account with the same account size as your challenge. For Instant Funding, you receive a funded account immediately upon purchase.

6.2 Challenge Fee Refund

Refund Schedule (UTrade 2-Step Challenge):

Refund Schedule (UTrade 1-Step Challenge):

Note: Instant Funding accounts are not eligible for challenge fee refunds as there is no evaluation phase.

Non-Refundable Costs:

• Lock Upon Payout Disable Fee (25% of challenge price)

6.3 Gains Split

• Gains Split: 80% to trader, 20% to UTradeCapital

6.4 Account Compounding

There are no limits on compounding. You may grow your funded account balance to any amount through profitable trading. Your profits remain in the account and increase your available equity for trading larger positions.

6.5 Funded Account Rules

All trading rules from Section 5 apply to funded accounts. The rules for the Funded Account are exactly the same as your Assessment account, with the exception that there is no equity growth target. Key rules include:

• 5% maximum daily loss
• Maximum overall drawdown: 7% static/closed balance (2-Step) or 6% equity-based (1-Step & Instant Funding)
• News trading restrictions
• Prohibited strategies
• Inactivity limits (30 days)

6.6 Withdrawal Schedule and Terms

First Withdrawal:

• Your first withdrawal can be requested at any time, subject to the 80/20 gains split

Subsequent Withdrawals:

• Thereafter, you can request a withdrawal of the gains in your account every fourteen (14) days
• When a withdrawal is approved, we will also withdraw our share of the gains

Withdrawal Process:

• Submit withdrawal request through your trader dashboard by clicking the Withdraw Profits button
• Enter the amount to withdraw
• All gains are distributed via the available outbound payment solutions offered from time to time
• Once your withdrawal request is approved, we will pay the monies owed to you
• We reserve the right to change the withdrawal methods and options at any time

6.7 Fees and Commissions

There are no monthly management fees for funded accounts. Funded accounts receive the same pricing and commissions as charged by our Liquidity Provider to other self-funded, retail trading accounts.

6.8 Account Limits

Evaluation Limits:

• You are allowed to take only one evaluation of a specific account size and a specific plan tier at a time across all trading platforms
• Example: You can have one 100K One Step Plan and one 100K Two Step Plan active simultaneously. However, you cannot have one 100K One Step Plan on DXTrade and another 100K One Step Plan on cTrader, or 2x 100K One Step plans on any combination of platforms.

Maximum Assessment Limits:

• A maximum of $1 million in active evaluation plans per person is permitted
• This can be composed of multiple assessments, provided that none are the same account size and are within the same Step framework as described above

Maximum Funded Limits:

• A maximum of $1 million in active funded plans per person is permitted
• If a customer passes multiple assessments and has 2 active funded accounts of the same account size, they will have 2 options:
  1. Only have one funded account of that size open at a time and wait for the account to be breached before making the other funded account active
  2. If no trading has taken place in either account, the customer can opt to combine the 2 accounts into a single account of double the size

Compounding Limits:

• There are no limits on compounding
• You can start with up to $1 million of initial funding and grow the account to any balance you desire

6.9 Pricing and Execution

We do not have any control over pricing from the liquidity provider or on the executions on your trades.

6.10 Receiving Your Funded Account

Upon passing your Assessment, you will receive an email with instructions on how to access and complete both your "Know Your Customer" verification and your "Trader Agreement". Once both are completed and supporting documentation is provided, your Funded Account will be created, funded and issued to you typically within 24-48 business hours. You will receive a confirmation email once this account is being enabled.

6.11 Counterparty and Trade Execution

For purposes of managing risk and minimizing transaction costs, we may offset or negate market risk and act as the direct counterparty to certain trades initiated in the Account. Such trades are executed at prices provided by arm's length third parties. This framework is intended to ensure you receive real market execution on your trades, while simultaneously allowing us to manage risk dynamically by routing existing positions or future orders to third parties for execution as we deem appropriate.

Regardless of whether we act as counterparty to your trades, the gain or loss on your funded account is not calculated differently. However, when we act as the counterparty to your trades, there is an inherent potential conflict of interest because your trades do not result in net gain or loss to us, as your trades would if we were not the direct counterparty.

6.12 Notional Funding

Once you pass the Assessment, we provide you with a funded account, backed by our capital. The capital in your funded account is notional and may not match the amount of capital on deposit with the Liquidity Provider. A Funded Account is notionally funded when actual funds in the account (i.e., the equity in a Funded Account represented by the amount of capital) differs from the nominal account size (i.e., the size of the Funded Account that establishes the initial account value and level of trading). Notional funds are the difference between nominal account size and actual capital in a Funded Account.

Use of notional funding does not impact your trading conditions in any way.

6.13 Hard Breach with Gains

If you have a hard breach in your funded account, any accumulated gains in the account will be forfeited unless you have purchased the Payout Protector add-on. This policy applies to all funded account phases for plans purchased on or after March 23, 2026.

6.13.1 Payout Protector

Payout Protector is an optional add-on that enables you to still receive a payout on any gains in your account despite a breach, provided all other conditions for a withdrawal are met and your account is not otherwise in violation of these Terms. Payout Protector does not prevent your account from breaching or alter any risk parameters — it only protects your gains from being forfeited in the event of an account breach. Payout Protector must be selected at the time of purchase.

Pending Withdrawal Requests: If you have already submitted a withdrawal request and the payout is being processed, your account is disabled for trading during that time. A payout request that has been submitted and is in processing is not affected by this forfeiture policy.

6.14 Affiliates

Affiliates are credited for referrals when a user creates an account using a link or discount code provided by the Affiliate.

6.15 Account Tracking

Upon purchasing an Assessment, you will receive access to a trader dashboard where you can monitor your Assessment and Funded Accounts. The dashboard is updated every time we calculate metrics, which occurs roughly every 60 seconds. It is your responsibility to monitor your breach levels.

6.16 Trading Hours

Trading hours are generally set by the Liquidity Provider, unless set by our rules. We do not have any control over the trading hours. You can see the trading hours for each product by using the following methods:

• DXtrade: Right click symbol, select "Instrument Info"
• MatchTrader: Click symbol to expand, select "Info"
• cTrader: Navigate to Symbol Window, scroll down to see "Market Hours" for selected symbol

6.17 Billing

Charges will come across in the name of dashboardanalytix.com on your statement.

7. Refund and Cancellation Policy

7.1 Challenge Fee Refunds

• Challenge fees are non-refundable once the challenge begins
• The only refund occurs when you successfully complete the evaluation and receive funding (see Section 6.2)
• No refunds for failed challenges, even if unused

7.2 Add-On Fees

• The Lock Upon Payout Disable Fee is non-refundable
• The Payout Protector Fee is non-refundable

7.3 Funded Account Termination

If your funded account is terminated due to rule violations:

• No refunds of challenge fees or add-on fees
• Forfeiture of all profits in the account, unless you have purchased the Payout Protector add-on (see Section 6.13.1)
• No reinstatement or appeals

7.4 Voluntary Account Closure

If you voluntarily close your funded account:

• You may withdraw your available balance according to withdrawal terms
• Challenge fees are not refunded
• Account cannot be reinstated

8. Account Violations and Termination

8.1 Hard Breach vs Soft Breach

Soft Breach: A soft breach means that we will close all trades that have violated the rule. However, you can continue trading in your Assessment or Funded Account.

Hard Breach: A hard breach means that you violated either the Daily Loss Limit or Max Drawdown rule. Both rules constitute a hard breach. In the event you have a hard breach, you will fail the Assessment or have your Funded Account taken away.

8.2 Challenge Phase Violations

All Challenges (2-Step, 1-Step, Instant Funding):

• A hard breach results in immediate challenge failure
• No warnings are provided
• Challenge fee is forfeited
• Must purchase new challenge to retry

8.3 Funded Account Violations

Any of the following will result in immediate account termination and profit forfeiture:

• Exceeding maximum daily loss (5%)
• Exceeding maximum drawdown (7% closed balance for 2-Step, 6% equity-based for 1-Step & Instant Funding)
• Trading during news blackout windows
• Using prohibited trading strategies
• Attempting to manipulate or abuse the system
• Providing false information
• Suspicious or fraudulent activity
• Multiple accounts without authorization
• Sharing account credentials

8.4 Our Right to Terminate

We reserve the right to terminate any account at our sole discretion if we suspect:

• Fraud or deceptive practices
• Abuse of our systems or services
• Violation of these Terms
• Risk to our business operations
• Illegal activity

Upon termination by us:

• You forfeit all profits
• Challenge fees are not refunded
• You may be permanently banned from our Services

8.5 Appeals

Account terminations for rule violations are final. We do not accept appeals or reinstatement requests for accounts terminated due to trading rule violations.

9. Recommended Trade Monitoring Tools

9.1 Trade Monitoring EA

We strongly recommend using a trade monitoring Expert Advisor (EA) to help you:

• Monitor your trading activity in real-time
• Receive alerts for potential rule violations
• Track compliance with trading rules
• Stay informed about news events and spread conditions

9.2 Recommendation

While not mandatory, using a trade monitoring EA can significantly help you avoid unintentional rule violations and improve your trading discipline.

9.3 Your Responsibility

Whether or not you use a trade monitoring EA, you remain fully responsible for:

• Monitoring your own trades and risk levels
• Ensuring compliance with all trading rules
• Avoiding rule violations that could result in challenge failure or account termination

10. Use of Trading Data

10.1 Internal Data Usage

We reserve the right to:

• Analyze successful trading strategies and patterns
• Implement profitable strategies for our own trading operations
• Use trading data to develop coaching programs, signals, and educational content
• Retain trading performance data indefinitely for business purposes

10.2 No Opt-Out

This internal data usage is mandatory and a condition of using our Services. There is no opt-out option.

10.3 Privacy Protection

While we use trading strategies internally, we maintain confidentiality of your personal identity in accordance with our Privacy Policy.

For complete details, please review our Privacy Policy.

11. Intellectual Property

11.1 Ownership

All content, software, technology, trademarks, trade names, logos, and intellectual property associated with our Services are owned by UTradeCapital or our licensors and are protected by copyright, trademark, and other intellectual property laws.

11.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for their intended purpose. This license does not include:

• Copying, modifying, or distributing our software or content
• Reverse engineering or decompiling our systems
• Removing proprietary notices or labels
• Using our intellectual property for commercial purposes

11.3 Trading Platform Licenses

cTrader, MatchTrader, DXtrade, and GooeyPro are third-party platforms subject to their respective license agreements.

12. Risk Disclosure

12.1 Trading Risks

Trading foreign exchange, contracts for difference (CFDs), and other leveraged products carries a high level of risk and may not be suitable for all individuals. You may lose some or all of your invested capital.

Key Risks Include:

• Leverage Risk: Leverage can magnify both gains and losses
• Market Risk: Market volatility can result in rapid losses
• Execution Risk: Slippage, requotes, and order rejections may occur
• Technology Risk: Platform failures, internet outages, or technical issues

12.2 No Guarantees

We make no guarantees or promises regarding:

• Profitability or trading success
• Platform performance or uptime
• Execution quality or speed
• Future gains splits or compounding growth

12.3 Past Performance

Past performance is not indicative of future results. Testimonials or performance examples do not guarantee you will achieve similar results.

12.4 Not Financial Advice

Nothing in these Terms or on our platform constitutes financial, investment, or trading advice. You are solely responsible for your trading decisions.

12.5 Acknowledgment

By using our Services, you acknowledge that:

• You understand the risks of trading
• You are trading at your own risk
• You accept full responsibility for all trading outcomes
• You have adequate knowledge and experience to trade

13. Disclaimers and Limitation of Liability

13.1 Service Provided "As Is"

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free service

13.2 Platform Availability

We do not guarantee:

• Continuous, uninterrupted access to our Services
• That our Services will be free from errors, bugs, or security vulnerabilities
• That servers will be free from viruses or other harmful components

13.3 Third-Party Platforms

We are not responsible for:

• Performance, reliability, or availability of third-party trading platforms (cTrader, MatchTrader, DXtrade, GooeyPro)
• Actions or omissions of platform providers
• Technical issues caused by third-party services

13.4 Limitation of Liability

13.5 Indemnification

You agree to indemnify, defend, and hold harmless UTradeCapital and its officers, directors, employees, and affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any laws or regulations
• Your trading activities
• Any disputes with other users

14. Compliance and Regulatory Matters

14.1 Know Your Customer (KYC)

We are required to verify your identity in compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. You must provide:

• Government-issued photo identification
• Proof of address
• Any additional documentation we reasonably request

Failure to complete KYC verification will prevent you from accessing funded accounts or withdrawing profits.

14.2 Tax Obligations

When trading a Funded Account for our firm, you are treated as an independent contractor. As a result, you are responsible for any and all taxes on your gains.

• Determining your tax obligations in your jurisdiction
• Reporting income from trading activities
• Paying all applicable taxes

We may be required to report payments to tax authorities in certain jurisdictions.

14.3 Regulatory Compliance

Our Services may not be available in all jurisdictions. You are responsible for ensuring that your use of our Services complies with all applicable laws in your location.

14.4 Sanctions and Restricted Persons

Subject to compliance with applicable laws and regulations, traders from all countries, excluding countries or regions subject to U.S. economic sanctions (OFAC-sanctioned regions), can take part in our program, unless otherwise limited at the Company's discretion.

You may not use our Services if you are:

• Subject to economic sanctions by any government
• Located in a country or region subject to U.S. economic sanctions (OFAC-sanctioned regions)
• On any restricted persons list

15. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key Points:

• We collect personal and trading data as described in our Privacy Policy
• We use trading data for internal purposes (see Section 10)
• We comply with applicable privacy laws including GDPR, PIPEDA, and PDPO
• You consent to data collection and use by accepting these Terms

Please review our complete Privacy Policy.

16. Communications

16.1 Electronic Communications

By using our Services, you consent to receive electronic communications from us, including:

• Account notifications and alerts
• Policy updates and changes
• Marketing communications (you may opt out)
• Support responses

16.2 Contact Methods

We may communicate with you via:

• Email to your registered address
• Platform notifications
• SMS or phone (if provided)

16.3 Official Communications

Important notices, including Terms updates, will be sent to your registered email address. You must keep your contact information current.

17. Dispute Resolution and Governing Law

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of:

• Canada (specifically the laws applicable in Nunavut)

17.2 Arbitration Agreement

Arbitration Terms:

• Arbitration shall be administered by a mutually agreed arbitration service
• Arbitration shall be conducted in English
• Arbitration location shall be in Canada
• Each party bears its own arbitration costs unless otherwise awarded
• Arbitrator's decision is final and binding

17.3 Class Action Waiver

17.4 Exceptions to Arbitration

Either party may seek relief in court for:

• Intellectual property disputes
• Injunctive or equitable relief
• Small claims court matters (if jurisdiction permits)

17.5 Informal Resolution

Before initiating arbitration, you agree to first contact us at contact@utradecapital.com to attempt informal resolution of any dispute.

18. Modifications to Terms

18.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes become effective:

• Immediately upon posting for new users
• 30 days after notification for existing users

18.2 Notification of Changes

We will notify you of material changes via:

• Email to your registered address
• Prominent notice on our website
• In-platform notification

18.3 Continued Use

Your continued use of our Services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to changes, you must stop using our Services.

18.4 Version History

We maintain a version history of Terms changes available upon request.

19. General Provisions

19.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and UTradeCapital regarding our Services and supersede all prior agreements and understandings.

19.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

19.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

19.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer these Terms without restriction.

19.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as explicitly stated.

19.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters
• War, terrorism, civil unrest
• Government actions or restrictions
• Internet or telecommunications failures
• Power outages or equipment failures
• Platform provider outages or failures

19.7 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: Sections 7 (Refunds), 10 (Data Usage), 11 (Intellectual Property), 12 (Risk Disclosure), 13 (Limitation of Liability), 17 (Dispute Resolution), and 19 (General Provisions), as well as any provisions regarding counterparty disclosure and trade execution.

19.8 Language

These Terms are drafted in English. Any translations are provided for convenience only. In case of conflict, the English version prevails.

19.9 Headings

Section headings are for convenience only and do not affect interpretation of these Terms.

20. Contact Information

For questions, concerns, or support regarding these Terms or our Services:

ACKNOWLEDGMENT

Last Updated: March 13, 2026
Version: 2.0