Terms and Conditions

IMPORTANT NOTICE: ALL FUNDED.GURU ACCOUNTS OPERATE IN A SIMULATED TRADING ENVIRONMENT. PERFORMANCE REWARDS ARE NOT GUARANTEED AND DO NOT CONSTITUTE INVESTMENT INCOME, SALARY, OR FINANCIAL RETURNS. PLEASE READ THESE TERMS CAREFULLY BEFORE PURCHASING OR USING ANY OF OUR SERVICES.

NONE OF THE SERVICES PROVIDED TO YOU BY FUNDED.GURU CAN BE CONSIDERED INVESTMENT SERVICES IN ACCORDANCE WITH APPLICABLE LAWS. FUNDED.GURU DOES NOT GIVE OR PROVIDE TO YOU ANY GUIDANCE, INSTRUCTIONS, OR INFORMATION ABOUT HOW OR IN WHICH MANNER YOU SHOULD PERFORM TRANSACTIONS WHEN USING THE SERVICES OR OTHERWISE, OR ANY OTHER SIMILAR INFORMATION ABOUT THE INVESTMENT TOOLS TRADED, NOR DOES FUNDED.GURU ACCEPT ANY SUCH GUIDANCE, INSTRUCTIONS, OR INFORMATION FROM YOU. NONE OF THE SERVICES CONSTITUTE INVESTMENT ADVICE OR RECOMMENDATIONS. NO EMPLOYEES, STAFF, OR REPRESENTATIVES OF FUNDED.GURU ARE AUTHORIZED TO PROVIDE INVESTMENT ADVICE OR RECOMMENDATIONS. SHOULD ANY INFORMATION OR STATEMENT OF ANY EMPLOYEE, STAFF, OR REPRESENTATIVES OF FUNDED.GURU BE INTERPRETED AS INVESTMENT ADVICE OR RECOMMENDATIONS, FUNDED.GURU EXPLICITLY DISCLAIMS THAT THE SAME IS INVESTMENT ADVICE OR RECOMMENDATIONS AND SHALL NOT BE RESPONSIBLE FOR THEM.

1. Introduction and Acceptance

1.1. These Terms and Conditions (“Terms”) govern your access to and use of the Funded.Guru website (www.funded.guru), platform, dashboard, evaluation programmes, simulated funded accounts, Access Passes, and all related products and services (collectively, the “Services”) provided by Funded Guru Services - FZCO, a company registered under the laws of the United Arab Emirates (“Funded.Guru”, “we”, “our”, “us”).

1.2. By performing any of the following acts, you (“User”, “Trader”, “you”) confirm that you have read, understood, and fully accept these Terms, forming a legally binding agreement:

• Accessing or browsing our website or platform
• Creating an account on our platform
• Purchasing any Access Pass, evaluation programme, account, or Service
• Placing any trade or simulated trade on any platform made available through our Services
• Submitting any document, data, or personal information
• Otherwise using our Services in any manner

1.3. If you do not agree to these Terms in full, you must immediately cease use of our Services and refrain from purchasing any Access Pass.

1.4. These Terms must be read together with our Privacy Policy, KYC/AML Policy, Cookie Policy, and any programme-specific rules, FAQs, and supplementary documents published on our website or dashboard (collectively, the “Policies”). All Policies are incorporated by reference and form part of this agreement.

1.5. We reserve the right to update, change, or replace any part of these Terms at any time by posting updates to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to our Services following the posting of any changes constitutes acceptance of those changes.

2. Definitions

In these Terms, the following definitions apply:

• “Access Pass” (also referred to as a “Voucher”) means the digital pass purchased by the User that grants entry to a specific evaluation programme tier or account type. An Access Pass is a non-refundable digital product delivered instantly upon purchase. The purchase of an Access Pass does not constitute the purchase of an investment product, financial service, or guaranteed reward.
• “Account” means your personal client account on the Funded.Guru platform.
• “Challenge” or “Evaluation Programme” means the 2-Step Challenge or Instant Funding programme to which an Access Pass grants access.
• “Funded Account” means a simulated trading account made available to you upon successfully completing the applicable evaluation programme.
• “Performance Reward” means the discretionary monetary amount paid to you based on simulated trading profits, subject to these Terms and applicable programme rules.
• “Trading Rules” means the specific parameters, targets, risk limits, and restrictions applicable to each programme as published on our website.
• “Platform” means any third-party trading platform made available for use with our Services.
• “Services” means all products, Access Passes, programmes, tools, and resources offered by Funded.Guru.
• “VIP Programme” means our tiered loyalty programme available to qualifying high-volume traders.
• “Affiliate” means any person who participates in our affiliate referral programme.
• “Restricted Jurisdiction” means the Islamic Republic of Iran, the Syrian Arab Republic, the Republic of the Union of Myanmar, the Democratic People's Republic of Korea (North Korea), the Russian Federation, the Crimea, Donetsk, Luhansk, Zaporizhzhia, and Kherson regions, the Republic of Belarus, the Republic of Cuba, the Lebanese Republic, the State of Libya, the Republic of the Sudan, and any other jurisdiction in which access to or use of the Services would contravene applicable sanctions or anti-money-laundering laws. The Services are not directed at, nor intended for distribution to, residents or citizens of any Restricted Jurisdiction. Funded.Guru may, at its sole discretion, add jurisdictions to, or remove jurisdictions from, this definition at any time by updating these Terms.
• “Excluded Jurisdiction” means any jurisdiction in which Funded.Guru has determined, for commercial, regulatory, or licensing reasons, not to offer the Services. As of the date of these Terms, the Excluded Jurisdictions include the United Arab Emirates. The Services are not directed at, nor intended for distribution to, residents or citizens of any Excluded Jurisdiction. The fact that a jurisdiction is an Excluded Jurisdiction does not imply that the jurisdiction is subject to sanctions or other restrictions. Funded.Guru may, at its sole discretion, add jurisdictions to, or remove jurisdictions from, this definition at any time by updating these Terms.
• “Forbidden Trading Practice” means any of the trading practices, conduct, or behaviours prohibited under Section 9 of these Terms, and any other practice that Funded.Guru determines, at its sole discretion acting reasonably, to be inconsistent with Section 9.

3. Nature of Services — Simulated Trading

3.1. Funded.Guru offers Access Passes that grant entry to evaluation programmes and simulated funded trading accounts. ALL TRADING CONDUCTED THROUGH OUR SERVICES TAKES PLACE IN A SIMULATED ENVIRONMENT THAT MIRRORS REAL MARKET CONDITIONS BUT DOES NOT INVOLVE THE TRADING OF REAL FINANCIAL ASSETS.

3.2. Funded.Guru is not a licensed financial institution, investment firm, brokerage, or regulated entity offering financial services. We do not provide investment advice, financial planning services, or regulated trading services.

3.3. Performance Rewards paid to successful traders represent discretionary incentive payments based on simulated performance and do not constitute investment returns, profits from real trading, salary, employment income, or any form of guaranteed compensation.

3.4. You acknowledge that your simulated trading results may not be replicable in live market conditions and that participation in our programmes carries no financial risk to your own capital beyond the Access Pass fee you pay.

3A. Nature of the Relationship

3A.1. Commercial relationship only. The relationship between the User and Funded.Guru is a commercial one between (i) a provider of digital evaluation products and discretionary commercial rewards (Funded.Guru), and (ii) a purchaser and User of those products (the User). Nothing in these Terms or any related document creates any employment, worker, contractor, agency, partnership, joint venture, fiduciary, principal-agent, or custodial relationship between the parties.

3A.2. No obligation to trade. The User has no obligation to access the Services, place any trade, dedicate any minimum amount of time, or achieve any specific outcome. The User is free to use other services or platforms simultaneously. The User determines independently whether, when, and how to engage with the simulated environment.

3A.3. No service supply by the User. Performance Rewards are paid by Funded.Guru as discretionary commercial payments and do not constitute consideration for any supply of services, goods, labour, or rights by the User to Funded.Guru. The User does not supply any service to Funded.Guru. Where any tax, VAT, or regulatory authority asserts otherwise, the User shall be solely responsible for any associated liability and shall indemnify Funded.Guru against any related claim, assessment, or penalty.

3A.4. No financial services. Funded.Guru is not authorised or regulated as a financial services provider, investment firm, broker-dealer, custodian, asset manager, payment institution, e-money institution, deposit-taking entity, or crypto-asset service provider in any jurisdiction, and does not require such authorisation in order to provide its Services, which consist solely of simulated trading evaluation programmes and the discretionary payment of Performance Rewards from Funded.Guru's own resources.

3A.5. No funds held for the User. Funded.Guru holds no real funds for the User at any time. The simulated capital displayed in any Account is virtual, has no monetary value, and remains the sole property of Funded.Guru. The User has no claim to any specific amount of real capital, no deposit, and no asset held in custody by Funded.Guru.

3A.6. Independent counterparty. The User accepts these Terms in their own capacity as an independent counterparty. The User is not, and shall not represent to any third party (including tax authorities, regulators, banks, or payment partners) that they are, an employee, contractor, agent, partner, or service provider of Funded.Guru.

3A.7. Source of Performance Reward payments. All Performance Rewards are paid from Funded.Guru's own commercial revenues, including Access Pass fees and other revenue streams. Performance Rewards do not represent replicated profits from trading in real financial markets, are not investment returns, and are not paid from any pooled fund, client account, or capital allocation belonging to the User.

3A.8. Supplementary documents. The User may be required to accept supplementary documents in the course of using the Services, including a Trader Agreement upon activation of a Funded Account and a Payout Agreement upon each Performance Reward request. Such supplementary documents are acceptance and operational compliance instruments that supplement these Terms and do not override them. In the event of any inconsistency between these Terms and any supplementary document, these Terms prevail.

4. Eligibility

4.1. The Services are intended only for persons who meet the following eligibility requirements:

• You must be at least 18 years of age, or the age of majority in your jurisdiction of residence (whichever is higher).
• You must have the legal capacity to enter into binding contracts in your jurisdiction.
• You must not be a resident of or located in any jurisdiction where access to our Services is prohibited or restricted by applicable law.
• You must not be subject to any applicable sanctions or appear on any relevant watchlist.
• Persons currently associated with proprietary trading firms in any capacity — including, without limitation, current owners, shareholders with material interest, directors, officers, employees, contractors, or consultants of any competing proprietary trading firm — are strictly prohibited from engaging in trading activities with Funded.Guru. For the purpose of this clause, “currently associated” means any such relationship existing at the time of account creation or during the use of our Services. Funded.Guru reserves the right to determine, at its sole discretion acting reasonably, whether a relationship constitutes a prohibited association under this clause.

4.2. You acknowledge that your access to and use of the Services may be restricted or prohibited by law in some countries, and you undertake to access and use the Services only in accordance with applicable laws.

4.3. We reserve the right to refuse access to our Services to any individual, geographic region, or jurisdiction at our sole discretion, without obligation to provide reasons.

5. Account Registration and Security

5.1. To access our Services, you must create an account using accurate, current, and complete information. You agree to update this information as may be required and to maintain its accuracy at all times.

5.2. You are solely responsible for maintaining the confidentiality of your account credentials and for all activity conducted under your account.

5.3. You must notify us immediately at support@funded.guru if you become aware of any unauthorised access or use of your account, or any other breach of security.

5.4. Each user may maintain only one (1) personal account. Creating multiple accounts using different email addresses or other means to circumvent programme rules, restrictions, or decisions is strictly prohibited and will result in immediate termination of all associated accounts.

5.5. You must not share your account credentials or allow any third party to access or trade on your account using any method not expressly permitted under these Terms.

5.6. You agree and acknowledge that you are solely and wholly responsible for obtaining and maintaining any hardware, facilities, internet connections, licenses, permits, equipment, external software, or any other resources as may be required and/or necessary for your use of the Services (including, without limitation, a computer or mobile device, internet connection, and telecommunications services). Funded.Guru shall not be liable to bear any costs, expenses, losses, or other damages which you may incur directly or indirectly with respect to such hardware, facilities, connections, equipment, or external software in connection with your use of the Services.

6. Access Passes and Purchases

6.1. Nature of the Purchase. When you complete a purchase on the Funded.Guru platform, you are purchasing an Access Pass (also referred to as a Voucher). The Access Pass is a digital product that grants you entry to your chosen evaluation programme tier, including access to your simulated trading account, the applicable objectives and Trading Rules, and eligibility to request Performance Rewards upon meeting the programme conditions. The Access Pass itself is the product delivered to you; you are not purchasing an investment product, financial service, or any guaranteed reward.

6.2. Delivery and Activation. Upon successful payment, a unique Access Pass is automatically issued to your account and activated immediately, opening your assessment without further action required. Delivery of the Access Pass is deemed complete at the moment of issuance to your dashboard. In cases where a promotional code, gifted pass, or manually issued Access Pass is applied, activation terms will be communicated at the time of issuance.

6.3. Non-Refundable Nature. Access Passes are digital products delivered instantly and are non-refundable once issued, except as expressly provided in these Terms (see Section 14). The fee paid for an Access Pass is not held in escrow, does not constitute a deposit, and is fully consumed upon delivery of the Access Pass.

6.4. Access Pass Records. Every Access Pass issued to your account is stored permanently in your dashboard under My Orders, displaying the order number, programme tier, issue date, and current status. A copy is also sent to your registered email address for your records.

6.5. Assessment Start Date. Your assessment begins at the moment your Access Pass is activated. For standard purchases, this occurs automatically at checkout. The minimum trading day requirements and all other programme timelines are calculated from this activation date.

6.6. Billing Descriptor. Purchases made through the Funded.Guru platform will appear as FUNDEDGURU SERVICES on your bank or card statement. If you have questions about a charge, please contact us at support@funded.guru before initiating any dispute with your payment provider.

6.7. Right to Refuse or Limit Orders. We reserve the right to refuse any order you place with us or to limit or cancel quantities purchased per person, per household, per credit card, or per billing/IP address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or unauthorised distributors.

6.8. Crypto-Asset Payments. Where you elect to pay programme fees in crypto-assets, payments are processed by a third-party Crypto-Asset Service Provider engaged by Funded.Guru. The identity of the applicable provider is disclosed at checkout and may be updated from time to time. You acknowledge that:

• (a) crypto-asset transfers are irreversible once confirmed on the relevant blockchain;
• (b) you must send the correct amount of the correct crypto-asset on the correct network within the validity window displayed at checkout;
• (c) payments outside the validity window, on incorrect networks, in incorrect amounts, or to incorrect addresses may be treated as underpayments, overpayments, expired payments, or failed payments, and Funded.Guru reserves the right to apply standard payment exception handling, including refusal, partial credit, or return (net of network fees and processing costs);
• (d) Funded.Guru is not liable for losses arising from incorrect payment details provided by you, network congestion, blockchain reorganisations, or third-party provider downtime;
• (e) crypto-asset payment availability, supported assets, and supported networks are determined by Funded.Guru and its payment partners at their discretion and may change without notice.

7. Evaluation Programmes

7.1. Funded.Guru offers a range of evaluation programmes and account types accessible via Access Passes, including (but not limited to) the 2-Step Challenge and Instant Funding. Each programme has its own specific parameters including profit targets, drawdown limits, trading day requirements, consistency rules, and payout conditions.

7.2. These parameters are disclosed at the point of purchase and are accessible at all times through the User's dashboard and the official Funded.Guru website. Programme-specific rules form part of these Terms by reference and are binding on the User.

7.3. Funded.Guru reserves the right to update programme parameters, pricing, Trading Rules, and any other terms applicable to its Services at any time and with immediate effect. Changes shall be published on the Funded.Guru website or dashboard, and shall be effective from the time of publication. Users acknowledge that pricing, programme structures, and Trading Rules may change without prior notice and that it is the User's responsibility to review the current terms before purchasing any Access Pass or placing any trade. For the avoidance of doubt, where a User has already activated an Access Pass and is mid-evaluation or mid-funded phase, changes to Trading Rules shall not retroactively cause an active account to be marked as violated for conduct that complied with the rules in force at the time the conduct occurred. We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of any programme.

7.4. If you fail to comply with any of the conditions, parameters, or rules of a programme during the relevant evaluation phase or funded stage, your account may be marked as “not passed” or “violated.” In such instances, the account and Services associated with that programme may be terminated and cancelled without any refund of the fees paid, except as expressly provided in these Terms.

8. Leverage and Commissions

Leverage ratios and commission structures vary by instrument and programme type. Current rates are published on the Funded.Guru website and within the User's trading dashboard. These rates are incorporated into these Terms by reference and may be updated from time to time at Funded.Guru's discretion, with notice provided through the website or dashboard.

9. Forbidden Trading Practices

9.1. Funded.Guru expects all Users to trade responsibly and in accordance with market-standard risk management principles. The following trading practices constitute Forbidden Trading Practices and are strictly prohibited on all Funded.Guru accounts. Engagement in any Forbidden Trading Practice may result in immediate account termination, forfeiture of Performance Rewards, account violation, and/or permanent ban from our platform:

• News trading: entering, holding, or exiting positions in close proximity to major scheduled economic, monetary policy, or geopolitical news events in a manner that exploits anticipated volatility, spread widening, or price gaps around such events. Funded.Guru determines, at its sole discretion acting reasonably, what constitutes a major scheduled event and what constitutes close proximity for the purposes of this clause.
• Exploiting platform errors, data feed delays, quote latency, or pricing anomalies
• High-frequency trading (HFT), tick scalping, server spamming, server execution exploitation, or any strategy that exploits technological advantages over our platform infrastructure
• All forms of arbitrage, including latency arbitrage, hedge arbitrage (simultaneously entering opposing positions with different firms or across two or more accounts held with Funded.Guru), long/short arbitrage, and reverse arbitrage
• Copy trading, signal following, account management by a third-party vendor, or trade mirroring using accounts from other traders or firms. This prohibition applies absolutely. Any exception must be granted in advance through express written confirmation issued by a Funded.Guru compliance officer via our official support channel (support@funded.guru). No verbal, implied, or informal authorisation, and no authorisation given by any other channel, shall be valid for the purposes of this clause.
• Cross-account hedging or opposite account trading: placing opposing positions across two or more Funded.Guru accounts or across accounts held at other firms to neutralise risk
• Coordinated trading with other users to manipulate outcomes or drawdown metrics
• Use of automated trading systems, expert advisors (EAs), or algorithmic strategies that exploit latency or platform vulnerabilities. The use of a third-party Expert Advisor is permitted ONLY if it functions strictly as a trade or risk manager. The use of any other third-party Expert Advisor is not allowed and will lead to violation of the account and decline of the Performance Reward request.
• Excessive risk-taking and over-leveraging: participating in trades with disproportionately high levels of risk in relation to the trader's capital, including disproportionately large position sizes compared to the User's other trades, opening substantially smaller or larger numbers of positions compared to the User's other trades, or trading in a manner indicative of gambling rather than rational analysis
• Reverse trading: signs and behaviour which include risking the full daily loss on a single trade, often indicative of reverse trading between different firms
• Overtrading: continuously entering and exiting trades without a clear strategy or rationale
• Poor money management: frequently encountering margin calls due to inadequate funds or risky positions, indicative of a lack of risk management
• Churning and burning, or any strategy designed to manipulate, exploit, or circumvent the Trading Rules of any programme

9.2. Maximum Floating Risk — Instant Funding Accounts. On Instant Funding accounts, the combined floating (unrealised, mark-to-market) loss across all open positions at any given moment must not exceed 1% of the account size. This rule applies to the aggregate open profit-and-loss exposure across all positions held simultaneously, not to any single position in isolation. For the avoidance of doubt, a Trader may hold multiple open positions provided that, at every moment in time, the total floating loss across all such positions remains within the 1% threshold. Breach of this threshold, even momentarily, may result in account violation at Funded.Guru's discretion. This rule does not apply to 2-Step Challenge accounts, which are reviewed under the general standards of risk management set out in Section 9.1.

9.3. Funded.Guru reserves the right to determine, at its sole discretion acting reasonably, whether certain trades, practices, strategies, or situations constitute Forbidden Trading Practices. While the Company acknowledges that Users may access their accounts from various IP addresses, Funded.Guru reserves the explicit right to monitor, log, and analyse IP address activity to ensure compliance with these Terms.

9.4. If you are suspected of engaging in any Forbidden Trading Practice, Funded.Guru may, at its sole discretion acting reasonably: (i) terminate the contract and cease providing all Services; (ii) close, void, or delete trades; (iii) implement new restrictions on your account(s); (iv) decrease leverage on a specific or any account; (v) prevent you from accessing all Services, including access to the dashboard and trading platforms; and/or (vi) deny payment of Performance Rewards. In such cases, you shall not be entitled to any refund or compensation.

10. Risk Assessment and Compliance Reviews

10.1. Funded.Guru reserves the right to conduct casual or formal risk assessment interviews and periodic compliance reviews of customer accounts. The purpose of these interviews and reviews is to evaluate customer risk profiles, trading strategies, and behaviours, and to ensure that there are no prohibited or suspicious activities on the account, including identity theft or fraud.

10.2. Such risk and compliance assessments may occur on a daily, weekly, monthly, or ad hoc basis. Once a periodic review is initiated, Funded.Guru reserves the right to withhold any pending Performance Reward until the risk assessment is satisfactorily completed.

10.3. Users are required to participate in mandatory risk assessment interviews by providing answers to common questions about their trading strategies and behaviours. Failure to comply with this requirement may result in Funded.Guru withholding Performance Rewards and/or terminating the Services to the User.

11. Performance Rewards

11.1. Performance Rewards are discretionary payments made at Funded.Guru's sole determination upon your request and in accordance with the applicable programme rules. Rewards do not constitute guaranteed income, vested rights, employment compensation, or investment returns. Notwithstanding any other provision of these Terms, including any specific timing, percentage, or eligibility provisions set out in this Section 11 or elsewhere, all Performance Reward payments are made at the sole and absolute discretion of Funded.Guru, and no provision of these Terms shall be construed as creating a contractual entitlement, guarantee, or vested right to any Performance Reward payment.

11.2. Rewards are subject to successful KYC/identity verification. We reserve the right to withhold rewards pending completion of verification requirements.

11.3. First Performance Reward request. The first Performance Reward request may be submitted no earlier than 14 calendar days after the first trade is placed on the Funded Account, unless a shorter waiting period has been expressly granted to the User through a promotional code, special offer, VIP eligibility, or written confirmation from Funded.Guru. Any such exception shall be subject to the conditions communicated at the time of the grant.

11.4. Subsequent payout cycle. After the first Performance Reward request, subsequent Performance Reward requests may be submitted every 14 calendar days. The 14-day cycle is calculated from the date of the first trade placed on the Funded Account after the previous Performance Reward was paid out. By way of example: if a Trader receives their first payout on Day 1, and then places their next trade on Day 5, the next eligible Performance Reward request date is Day 19 (Day 5 + 14 calendar days). This biweekly cycle continues to apply to all subsequent Performance Reward requests on the same account, unless on-demand or accelerated payouts have been expressly granted to the User through a promotional code, special offer, VIP eligibility, or written confirmation from Funded.Guru.

11.5. 2-Step Challenge fee rebate (discretionary commercial gesture). The fee paid for the 2-Step Challenge Access Pass is non-refundable and fully consumed at the point of delivery. Separately, and as a discretionary commercial gesture entirely outside the Performance Reward framework, Funded.Guru may credit a one-time rebate amount equal to the 2-Step Challenge Access Pass fee at the same time as processing the User's first approved Performance Reward payment on the associated Funded Account. For the avoidance of doubt: (i) this rebate is not a refund of the Access Pass fee; (ii) it is not a Performance Reward and does not form part of the Performance Reward calculation; (iii) it is paid, if at all, at Funded.Guru's sole and absolute discretion, consistent with Section 11.1; (iv) no User has any contractual entitlement, vested right, or guarantee to receive it under any circumstances; and (v) it shall not be payable where the first Performance Reward request is not approved for any reason, including but not limited to rule violations, fraudulent activity, failure of compliance review, or any other ground on which Funded.Guru exercises its discretion under these Terms.

11.6. Instant Funding 2% buffer. For Instant Funding accounts, a 2% buffer is retained on Performance Reward requests. By way of example, if a Trader has accumulated 10% profit on the account after closing all trades, they may request payout of 8%, with the remaining 2% retained as a balance on the Trader's Funded Account to serve as a buffer against future drawdown and account violation. For the avoidance of doubt, the 2% buffer remains on the Trader's account as available simulated capital that the Trader may continue to trade with; it is not deducted, withheld, or kept by Funded.Guru.

11.7. Where applicable to the programme purchased, Performance Rewards are subject to minimum profitable day requirements and consistency rules, as published in the programme-specific Trading Rules. By way of example, the Instant Funding programme requires a minimum of 5 profitable days in each reward cycle and is subject to a 20% consistency rule (the best single day's profit shall not exceed 20% of total profits accumulated).

11.8. Funded.Guru reserves the right to delay, withhold, or refuse Performance Reward payments if there is evidence of rule violations, fraudulent activity, or account abuse.

11.9. Enhanced reward splits may be available through promotional codes, add-ons, or for VIP Programme members, subject to the applicable terms.

11.10. Conditions for Reward Entitlement. Without limiting Section 11.1 (sole discretion), Performance Rewards shall not in any event be payable unless the User has satisfied all applicable Trading Rules, KYC requirements, sanctions screening, and other conditions set out in these Terms. Satisfaction of these conditions is a necessary but not sufficient basis for payment, and does not create an entitlement to or guarantee of any Performance Reward.

11.11. Payout Documentation. You authorise Funded.Guru to generate self-billing payout vouchers and any other payout-related documentation on your behalf for each Performance Reward paid. No invoice from you is required, requested, or accepted in respect of any Performance Reward, and the parties expressly agree that Performance Rewards do not constitute consideration for any supply of services, goods, or rights by the User to Funded.Guru. Funded.Guru does not issue tax forms (including, without limitation, W-8, W-9, or 1099 forms) and is under no obligation to do so under UAE law.

11.12. Tax Responsibility. Tax treatment of Performance Rewards varies by jurisdiction and depends on your personal circumstances. You are solely responsible for determining, declaring, and paying any taxes that may apply to Performance Rewards you receive. Funded.Guru does not withhold tax, does not provide tax advice, and accepts no liability for your tax obligations. You should consult a qualified tax adviser in your jurisdiction. The User shall not represent to any tax authority, regulator, bank, or other third party that Funded.Guru is the User's employer, principal, or service recipient, and the User shall indemnify Funded.Guru against any reclassification, penalty, assessment, or claim arising from such a representation or from the User's own tax filings. The User confirms that the User has independently determined the User's own tax position in respect of any Performance Reward and is not relying on Funded.Guru, its officers, employees, agents, or any communication issued by Funded.Guru for tax, legal, accounting, or regulatory advice. Funded.Guru does not maintain a place of business, fixed establishment, or permanent establishment in any jurisdiction other than the United Arab Emirates, and the User shall not represent to any third party that Funded.Guru maintains any such presence in the User's jurisdiction or that the User acts for or on behalf of Funded.Guru in any capacity. The User's indemnity in this Section 11.12 extends to any reclassification, levy, social security charge, withholding obligation, registration requirement, fine, interest, or claim asserted by any tax authority, regulator, court, or competent body in any jurisdiction (including the User's jurisdiction of residence, citizenship, or tax domicile) arising from or in connection with the User's receipt of Performance Rewards or any reclassification by a foreign authority of the relationship between the parties or of the nature of the Performance Rewards.

11.13. Any Performance Reward, commission, remuneration, or similar compensation related to the use of our Services is not considered a liability of Funded.Guru. We are not responsible for ensuring the payment of any such reward where the User has not satisfied the applicable programme rules, and any claims related to these payments are expressly excluded from our liability to the maximum extent permitted by law.

11.14. Clawback, Correction, and Set-Off. Funded.Guru reserves the right to claw back, recover, or set off against any future Performance Rewards or any other amounts owed to or by the User, any Performance Reward (or portion thereof) that was paid in error, was based on or generated through a Forbidden Trading Practice, was generated through breach of any Trading Rule or these Terms, was paid following provision of incomplete, untrue, or fraudulent information by the User, or was otherwise improperly issued. The User shall return any improperly paid Performance Reward upon written request. This right may be exercised at any time within seven (7) years from the date of the relevant Performance Reward payment and survives termination of these Terms and the closure of any Account.

11.15. Effect of Supplementary Documents. The User's execution of a Payout Agreement or any other supplementary document in connection with a Performance Reward request does not, and shall not be construed to, override, waive, or limit the discretionary nature of Performance Rewards under Section 11.1, the clawback rights under Section 11.14, or any other right reserved to Funded.Guru under these Terms. Funded.Guru's approval and disbursement of any Performance Reward shall not constitute a waiver of any breach, irregularity, or non-compliance discovered subsequently.

11.16. Payment Obligation Arises Only on Broadcast. A Performance Reward becomes a payment obligation of Funded.Guru only upon actual broadcast of the corresponding transaction to the relevant blockchain network or, in the case of any non-crypto payment method, upon irrevocable instruction to the relevant payment provider. No internal status of a Performance Reward request, including (without limitation) “pending”, “in review”, “approved”, “queued”, “processing”, or any equivalent dashboard or system designation, shall create a payable obligation, debt, or liability of Funded.Guru. Prior to broadcast or irrevocable instruction, the User has no claim, vested right, creditor entitlement, or expectation against Funded.Guru in respect of any Performance Reward, and Funded.Guru may revise, withdraw, defer, reduce, or cancel any pending Performance Reward at its sole discretion in accordance with these Terms.

11.17. Account Inactivity. A Funded Account on which no trade has been opened or closed for a continuous period of thirty (30) calendar days shall be deemed inactive. Funded.Guru will provide the User with a written reminder by email at the inactive-account threshold. If no trade is opened or closed within a further fourteen (14) calendar days after the reminder is sent, Funded.Guru may suspend, close, or terminate the Funded Account. Termination under this clause results in forfeiture of any simulated capital and simulated profits and does not entitle the User to any refund or compensation. Any Performance Reward request validly submitted before the date the Account is terminated under this Section 11.17 shall be processed in the normal course in accordance with Section 11, except where forfeiture is independently justified under Section 11.14 (clawback) or for breach of these Terms. Funded.Guru may, at its sole discretion, reinstate a previously inactive Account on such conditions as it determines, but is under no obligation to do so.

11.18. Death or Incapacity. Funded Accounts and the right to request Performance Rewards are strictly personal to the User and are non-transferable. Upon the death, legal incapacity, or insolvency of the User, the relevant Funded Account shall be terminated and any pending or unbroadcasted Performance Reward requests shall be forfeited, save for any Performance Reward already broadcast to the User's wallet prior to the date Funded.Guru receives written notice of such event. No heir, estate, successor, beneficiary, executor, administrator, or assign shall acquire any right to trade on, continue, or extract value from a Funded Account.

11.19. Wallet Risk Screening and Rejection. Funded.Guru may, at its sole discretion and without obligation to provide reasons, refuse, delay, or reverse (where technically possible) any Performance Reward payment to a wallet address that is flagged by its blockchain analytics partners or by any competent authority as high-risk, sanctioned, associated with a mixer, tumbler, darknet market, ransomware operator, fraud scheme, or any other non-compliant or prohibited activity, or that is otherwise inconsistent with applicable AML/CFT, sanctions, or Travel Rule obligations. The User must provide an alternative compliant wallet address upon request. Funded.Guru shall have no liability for any delay, refusal, or reversal under this Section 11.19.

11.20. New Wallet Hold and Enhanced Due Diligence. Where a Performance Reward is requested to a wallet address newly added to the User's account, Funded.Guru may apply a security hold of up to seventy-two (72) hours before broadcasting the transaction, and may require additional verification from the User during that period. Where the cumulative Performance Rewards paid or requested by the User exceed thresholds determined by Funded.Guru from time to time consistent with applicable AML/CFT graduated customer due diligence requirements, Funded.Guru may require enhanced due diligence (including, without limitation, additional source of funds and identity verification) before processing any further Performance Reward.

11.21. Trade Review Window. Any dispute, complaint, or request for review by the User regarding the execution, fill, stop-out, slippage, requote, voiding, or other handling of any individual trade or simulated trade must be raised in writing to support@funded.guru within seven (7) calendar days of the relevant trade event. After this period, all trade results and platform behaviour are deemed accepted by the User and shall not form the basis of any claim against Funded.Guru. Funded.Guru's determination on any timely raised trade review shall be final.

12. VIP Programme

12.1. Eligibility and Review Period. VIP status is granted to traders based on cumulative traded volume and is reviewed annually. Each VIP qualification period runs for twelve (12) months from the date of qualification (or the date of the last annual review, whichever is later). At the end of each twelve-month period, Funded.Guru shall review the Trader's cumulative traded volume during that period and adjust the Trader's VIP status with effect from the end of that period in accordance with Section 12.2 below.

12.2. VIP Tiers and Maintenance. Funded.Guru operates three VIP tiers based on cumulative traded volume during the applicable qualification period. Each tier unlocks a set of perks and benefits as published on the Funded.Guru website, which may include but are not limited to enhanced performance reward splits, increased maximum allocation, dedicated account management, on-demand payouts from day one, cashback on winning trades, and other exclusive rewards.

• Tier 1 — VIP Trader: Minimum 600 lots total traded volume.
• Tier 2 — VIP Whale: Minimum 1,000 lots total traded volume.
• Tier 3 — VIP Guru: Minimum 1,600 lots total traded volume.

For the purpose of this Section, 1 lot is equivalent to $100,000 in notional trading volume. The specific benefits applicable to each tier at any given time are published on the Funded.Guru website and dashboard, and are incorporated into these Terms by reference. Funded.Guru reserves the right to update tier benefits with reasonable notice.

At the end of each twelve-month qualification period, Funded.Guru shall review the Trader's volume and adjust their status as follows, with effect from the end of that period: Traders meeting a higher tier's threshold will be upgraded; Traders meeting their current tier's threshold will retain their status; Traders falling below their current tier but still meeting a lower tier's threshold will be downgraded to the applicable lower tier; and Traders falling below the Tier 1 minimum will have their VIP status removed. No grace period applies. Adjustments take effect immediately at the end of the qualification period.

Cashback. Where applicable, cashback benefits are credited as additional simulated profit to the Trader's simulated trading Account. Such cashback may form part of future Performance Reward requests subject to programme rules and Section 11; it is not paid as real monetary cashback in advance of, or independently of, a Performance Reward payment.

12.3. VIP Transfer Policy. Qualified Traders from other proprietary trading firms may apply to transfer their VIP status to Funded.Guru subject to the following conditions:

• Evidence requirement: Submission of satisfactory evidence of active VIP-equivalent trading activity at another proprietary trading firm, including traded volume, payout records, and current allocation details.
• Minimum allocation purchase: The Trader must purchase a minimum of $300,000 in cumulative simulated account allocation directly from Funded.Guru. This allocation must be acquired through the Trader's own purchase of Access Passes (whether through evaluation programmes or Instant Funding accounts) and is not provided complimentary as part of the transfer process. A Trader cannot use a smaller allocation purchase (for example, a $10,000 account) to invoke VIP transfer status; the $300,000 minimum purchase must be reached for the transfer to be finalized, regardless of any prior approval or expression of interest.
• Tier placement on transfer: Upon completion of the $300,000 minimum allocation requirement and approval of the transfer by Funded.Guru, the Trader's initial VIP tier on Funded.Guru shall be determined at Funded.Guru's sole discretion acting reasonably, having regard to the volume and tier-equivalence evidence submitted under the first bullet of this Section 12.3. Funded.Guru is not obligated to match the Trader's prior tier and reserves the right to start a transferring Trader at Tier 1.
• Volume accrual: All subsequent tier upgrades following the transfer shall be based on cumulative volume traded on Funded.Guru, calculated in accordance with Section 12.1 and 12.2 above. Volume traded at prior firms does not count toward Funded.Guru tier upgrades after the initial placement.

13. Affiliate Programme

13.1. Funded.Guru operates an affiliate programme through which registered affiliates may earn commissions for referring new users to our platform.

13.2. Each registered user receives a unique affiliate link upon account creation. Dedicated promotional/discount codes may also be issued.

13.3. Standard affiliate commission begins at 10% and may increase up to 30% based on performance and tier.

13.4. Funded.Guru may offer base salary arrangements and complimentary challenge accounts to top-performing affiliates, subject to individual agreements.

13.5. Prohibited affiliate conduct includes:

• Self-referral or creation of fake accounts to generate commissions
• Misrepresentation of Funded.Guru's products, pricing, or rules
• Unauthorised use of Funded.Guru branding or intellectual property
• PPC advertising on Funded.Guru branded search terms without prior written consent
• Cookie fraud, automated redirect schemes, or any deceptive traffic generation methods

13.6. Breach of affiliate programme rules may result in immediate termination of affiliate status and forfeiture of unpaid commissions.

13.7. Affiliate commission structures and programme terms are subject to change. Affiliates will be notified of material changes.

13.8. Attribution. Affiliate commissions are tracked through unique referral links and cookies. Funded.Guru's attribution determination is final and binding. Attribution disputes must be raised in writing within 30 days of the referred transaction, after which all attribution decisions are deemed accepted by the Affiliate.

13.9. Commission Clawback on Refunds, Chargebacks, and Violations. Affiliate commissions are calculated on net qualifying revenue. Any commission attributable to a referred transaction that is subsequently refunded, charged back, reversed, voided, or otherwise not received in cleared funds by Funded.Guru, or that is attributable to a referred User whose account is terminated for breach of these Terms (including any Forbidden Trading Practice or KYC/AML failure), shall be deducted from the Affiliate's commission balance. Where the Affiliate's balance is insufficient, the deficit shall be set off against future commissions or, at Funded.Guru's discretion, recovered as a debt due from the Affiliate.

13.10. Mandatory Disclosure of Commercial Relationship. Affiliates must clearly and conspicuously disclose their commercial relationship with Funded.Guru in all promotional content, reviews, comparisons, rankings, tutorials, social media posts, video content, blog articles, and any other material referencing Funded.Guru, in accordance with applicable consumer protection, advertising, and marketing regulations (including, where applicable, FTC endorsement guides, EU Unfair Commercial Practices Directive, UK CAP Code, and UAE consumer protection law). Undisclosed affiliate funnels, including purported “independent reviews”, “top firm” rankings, or comparison sites that do not disclose paid affiliate relationships, are strictly prohibited.

13.11. Minimum Payout Threshold and Payout Schedule. Affiliate commission payouts are subject to a minimum payout threshold and a payout schedule published on the Funded.Guru website or affiliate dashboard, which may be updated from time to time. Commissions below the minimum threshold roll over to the next payout cycle. Funded.Guru may withhold any commission payout pending verification of attribution, completion of KYC requirements applicable to the Affiliate, or resolution of any suspected breach of this Section 13.

14. Fees, Payments, and Refunds

14.1. Access Pass fees are displayed on our website and are subject to applicable promotional discounts. Fees are denominated in USD unless otherwise specified.

14.2. All fees must be paid in full at the time of purchase. Funded.Guru does not offer instalment plans unless expressly stated.

14.3. ALL PAYMENTS ARE FINAL. Access Passes are digital products delivered instantly upon purchase. The fee paid for an Access Pass is non-refundable, as the Access Pass and access to the Services are delivered directly upon purchase. The User is not entitled to a refund of the Access Pass fee under any circumstances, except as follows:

• A discretionary commercial rebate equal to the 2-Step Challenge Access Pass fee may, at Funded.Guru's sole and absolute discretion, be credited at the same time as the User's first approved Performance Reward payment, in accordance with and subject to Section 11.5. For the avoidance of doubt, this rebate is not a refund of the Access Pass fee, is not a Performance Reward, and creates no contractual entitlement or guarantee in favour of the User.
• Refunds may be considered in exceptional circumstances at Funded.Guru's sole discretion.

14.4. Funded.Guru does not store your full payment card details. All payments are processed by authorised third-party payment processors. Credit card information is always encrypted during transfer over networks.

14.5. Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue any Service (or any part or content thereof) without notice. We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Service.

14.6. Payment Settlement by Odeonpay ALE S.R.L. (“Paysagi”). The Supplier is Funded Guru Services - FZCO. Payments are settled via Odeonpay ALE S.R.L. (“Paysagi”), acting solely as Merchant of Record for transaction settlement purposes. Paysagi is not the supplier of the goods or services. Payment settlement is subject to Paysagi's Terms of Use, available at https://paysagi.com/terms-of-use/, which are presented to customers during the payment process.

14.7. Alternative and Additional Payment Providers. Funded.Guru may, at its sole discretion, settle, route, or process payments through alternative or additional regulated payment providers, merchants of record, payment processors, banks, crypto-asset service providers, or other authorised intermediaries, whether instead of or in addition to the provider named in Section 14.6, and may change such providers from time to time without notice. The identity of the applicable provider for any given transaction will be disclosed during the payment process or in the User's dashboard. Where a transaction is not settled through the provider named in Section 14.6, Section 14.6 shall be read as applying to the actual provider used for that transaction with all necessary changes, and no User shall acquire any right, claim, or remedy against Funded.Guru by reason of the use of, or the change in, any payment provider. Funded.Guru's obligations to the User under these Terms are not contingent on the engagement, continued engagement, or performance of any specific payment provider.

15. Disputes and Chargebacks

15.1. Pre-dispute support obligation. If you have any concern or question regarding a charge, you must contact Funded.Guru support at support@funded.guru before initiating any dispute or chargeback with your payment provider. We are committed to resolving billing concerns promptly and in good faith.

15.2. Consequences of dispute or chargeback. Initiating a dispute or chargeback in respect of any payment made to Funded.Guru has an adverse impact on the company financially and damages our company profile in the eyes of payment gateways. Accordingly, and subject to Section 15.3 below:

• Any account directly involved in a disputed payment or chargeback (and all other accounts held by the same User) will be permanently banned and closed.
• We will not entertain any requests to unban such accounts.
• Any User who has disputed a transaction in the normal course of business, where there has not been any problem on our side, shall not be eligible for any further accounts with Funded.Guru, and all of their other active accounts will be closed.

15.3. Carve-out for unauthorised transactions. Section 15.2 shall not apply where the User can demonstrate, to Funded.Guru's reasonable satisfaction, that the disputed transaction was the result of (i) verified unauthorised use of the User's payment instrument by a third party (e.g., card theft, identity theft, or unauthorised use by a family member), (ii) demonstrable payment processor error, or (iii) duplicate charge caused by a technical failure not attributable to the User. To benefit from this carve-out, the User must (a) report the unauthorised transaction to Funded.Guru as soon as reasonably practicable after discovery, and (b) cooperate fully with any investigation conducted by Funded.Guru, the payment processor, or law enforcement.

15.4. This policy is in place to protect Funded.Guru from financial adversity and to ensure the long-term viability of the brand.

16. KYC / AML Compliance

16.1. All Users are subject to KYC verification and AML screening in accordance with applicable UAE law and international standards. Verification is mandatory prior to the release of any Performance Reward.

16.2. Upon request by Funded.Guru, you may be required to complete our onboarding process, which includes due diligence and client verification procedures. This process involves collecting identification documents, including non-public personal information (where applicable). You acknowledge that Funded.Guru shall accept you as a User only after you satisfactorily clear all the verifications required by us, including any required under anti-money laundering and combating financing of terrorism (“AML/CFT”) laws, conducted by Funded.Guru or its third-party AML/KYC service providers in accordance with the guidelines provided under applicable laws.

16.3. We reserve the right to conduct compliance screenings, background checks, and sanctions screening at onboarding and at any point during the relationship. In addition to initial verifications, you may be subject to periodic ongoing due diligence and verification to ensure your continued compliance with applicable AML/CFT laws.

16.4. You agree and confirm that you shall immediately inform Funded.Guru if there are any changes in the information or documentation previously provided by you. You acknowledge that the initial and ongoing due diligence undertaken by Funded.Guru is part of the Company's KYC obligations under AML/CFT laws. You are informed that we may also lawfully obtain information about you from other sources without your knowledge, where permitted by applicable law.

16.5. Funded.Guru may engage authorised third-party service providers to perform KYC/AML verification. Raw verification documents may be handled solely by those providers in accordance with their data protection standards.

16.6. Failure to complete KYC verification within a reasonable timeframe may result in withholding of rewards and/or account suspension.

16.7. Funded.Guru may, at any time, refuse, restrict, or limit the Services made available to a User, or decide to terminate this agreement and close an Account, in the event a User is found to have provided incorrect, incomplete, inaccurate, false, or fraudulent information. Users found to have submitted false or fraudulent identification documents will be immediately and permanently banned, and any rewards will be forfeited.

16.8. Crypto-Asset Compliance. Where any payment between Funded.Guru and the User is made in crypto-assets — including programme fee payments and Performance Reward payouts — transactions are subject to Travel Rule requirements and other compliance obligations under applicable law. By transacting in crypto-assets through our Services, you authorise Funded.Guru and its payment partners to collect, retain, and transmit the originator and beneficiary information required by applicable law (including your name, address, date of birth, wallet address, and identification details) to other regulated entities and competent authorities. Failure to provide such information may result in delay, refusal, or reversal (where technically possible) of the payment.

16.9. Data Protection. Personal data collected through your use of the Services is processed in accordance with our Privacy Policy and applicable data protection laws, including the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021) and, where applicable to Users located in the European Economic Area or United Kingdom, the EU General Data Protection Regulation (Regulation (EU) 2016/679) and the UK GDPR. By using our Services, you acknowledge that your personal data, including KYC documentation, may be processed by Funded.Guru and shared with authorised third-party service providers (including KYC/AML verification providers, payment processors, and crypto-asset service providers) for the purposes of providing the Services, complying with legal obligations, and preventing fraud. Further detail is set out in our Privacy Policy, which is incorporated into these Terms by reference.

17. Third-Party Tools, Links, and Providers

17.1. Third-Party Tools and Links. Certain content, products, and services available via our Services may include materials from third parties. Third-party links on our website may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating their content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials, websites, products, or services. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third party's policies and practices before engaging in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

17.2. Third-Party Provider Compliance. Our platform integrates with various third-party providers (including, without limitation, trading platforms, brokers, liquidity providers, payment processors, and KYC/AML service providers) to enhance user experience and offer comprehensive Services. You must comply with the terms and conditions set forth by these third-party providers in addition to these Terms.

17.3. Mirroring of Third-Party Restrictions. If a third-party provider blocks, restricts, suspends, or terminates your access for any compliance-related reason — including but not limited to violations of laws, regulations, sanctions, or the provider's terms of service — we reserve the right to mirror such restrictions on our platform without further explanation. This means that if you are blocked by a third-party provider, you may also be blocked from accessing our platform.

17.4. Limitation of Liability for Third-Party Issues. We are not liable for any downtime, errors, bugs, latency, data feed issues, or other issues caused by third-party providers. This includes any disruptions to our Services resulting from problems with third-party systems. While we strive to ensure a seamless experience, issues arising from third-party integrations are beyond our control and we cannot guarantee uninterrupted access or error-free functionality.

17.5. Optional Tools. We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools on an “as is” and “as available” basis without any warranties, representations, or conditions of any kind and without any endorsement. Any use by you of optional tools offered through our Services is entirely at your own risk and discretion. We may also grant access to third parties to our website in order to troubleshoot and/or maintain website, database, or infrastructure-related issues. Such access is monitored and removed after the scope of work is performed.

18. Accuracy, Completeness, and Timeliness of Information

18.1. We make every effort to ensure that the information we provide is accurate. However, some information is also supplied by third parties and we are not responsible if information made available on our website is not accurate, complete, or current. The material on our website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on our website is at your own risk.

18.2. Our website may contain certain historical information. Historical information is necessarily not current and is provided for your reference only. We reserve the right to modify the contents of our website at any time, but we have no obligation to update any information. You agree that it is your responsibility to monitor changes to our website.

19. Prohibited Uses

19.1. In addition to other prohibitions set forth in these Terms, you are prohibited from using our website, platform, or content:

• For any unlawful or unauthorised purpose, or to violate any international, federal, provincial, state, or local laws, rules, or regulations (including, without limitation, copyright laws)
• To solicit others to perform or participate in any unlawful acts
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of our Services or any related website or network
• To register with multiple email addresses, or otherwise to circumvent any one-account-per-user rule

19.2. We reserve the right to terminate your use of the Services or any related website for violating any of the prohibited uses.

20. Confidentiality of Communications

20.1. Scope of Confidentiality. The following communications and information between Funded.Guru and the User are strictly confidential and shall not be disclosed, shared, published, or otherwise made public by the User without the prior written consent of Funded.Guru:

• Compliance investigations, risk assessment communications, internal review correspondence, and any communications relating to suspected rule violations or fraud
• Settlement negotiations, dispute-resolution discussions, and any communications marked or reasonably understood to be “without prejudice” or “confidential”
• Non-public information about Funded.Guru's systems, internal processes, rule interpretations, trading infrastructure, risk frameworks, or other Users' accounts or activities
• Any communication expressly designated by Funded.Guru as confidential at the time of issuance

20.2. Permitted Disclosures. Nothing in this Section 20 shall restrict the User from:

• Posting honest, factually accurate reviews or opinions about the User's own experience with Funded.Guru on consumer review platforms or social media
• Making good-faith reports to regulators, law enforcement, payment processors, consumer protection bodies, or other competent authorities
• Disclosing information to the User's own legal, financial, or tax advisors under a professional duty of confidentiality
• Disclosing information where required by court order, subpoena, or applicable law

20.3. Breach of this Section 20 shall constitute a material breach of these Terms and may result in immediate termination of access to our Services, forfeiture of pending Performance Rewards, and any other remedies available to Funded.Guru under law.

21. Non-Disparagement and Defamation

21.1. No false or defamatory statements. The User shall not make, publish, or circulate any false, misleading, or defamatory statement of fact about Funded.Guru, its officers, employees, affiliates, products, or Services. Without limiting the generality of the foregoing, this includes false statements regarding payment of Performance Rewards, business practices, financial standing, regulatory status, or the conduct of Funded.Guru personnel.

21.2. Pre-publication support obligation. Before publishing any public statement that contains factual allegations about Funded.Guru (including, without limitation, allegations regarding non-payment, withholding of Performance Rewards, account closure, or compliance decisions), the User must first raise the matter with Funded.Guru by emailing support@funded.guru and must allow Funded.Guru a reasonable opportunity (not less than 10 business days from the date of the User's email) to investigate and respond. This requirement is intended to ensure that Funded.Guru has a fair opportunity to resolve genuine concerns privately and to correct any factual misunderstanding before it is publicised. Failure to comply with this clause shall be considered a breach of these Terms and may, in addition to any other remedy, support a request for takedown or removal of the relevant content from public platforms.

21.3. What this clause does not restrict. For the avoidance of doubt, this Section 21 does not restrict:

• Honest reviews or expressions of subjective opinion about the User's own experience with Funded.Guru, provided they are not defamatory and any factual allegations have been raised with support in accordance with Section 21.2
• Lawful complaints to regulators, payment processors, or consumer protection bodies
• Factually accurate statements made in good faith

21.4. Remedies. Breach of this Section 21 entitles Funded.Guru to pursue any and all available remedies, including but not limited to: (i) immediate termination of the User's account and forfeiture of pending Performance Rewards; (ii) civil claims for defamation, libel, slander, tortious interference, or breach of contract; (iii) injunctive relief; (iv) requests to public platforms, search engines, and hosting providers for content takedown; and (v) recovery of legal costs and damages.

22. Intellectual Property

22.1. All content, software, tools, branding, trademarks, logos, programme rules, algorithms, dashboards, and materials made available through our Services are the exclusive intellectual property of Funded.Guru and/or its licensors, protected under applicable UAE and international intellectual property laws.

22.2. You are granted a limited, personal, non-exclusive, non-transferable, and revocable licence to access and use our Services solely for your personal evaluation and trading activities in accordance with these Terms.

22.3. You must not copy, reproduce, distribute, modify, reverse-engineer, sell, resell, or create derivative works from any part of our Services or materials without prior written consent from Funded.Guru.

22.4. Any feedback, suggestions, or ideas you provide to us regarding our Services may be used by Funded.Guru without obligation to compensate you.

23. Account Suspension and Termination

23.1. Funded.Guru reserves the right to suspend, restrict, or terminate your account and access to our Services at any time, with or without prior notice, for any of the following reasons:

• Violation of any of these Terms or the Trading Rules
• Evidence of fraud, manipulation, or abuse of our systems
• Failure to complete KYC/AML verification
• Initiation of a payment dispute or chargeback (subject to Section 15.3)
• Breach of Section 20 (Confidentiality) or Section 21 (Non-Disparagement)
• Any conduct that Funded.Guru reasonably determines to be detrimental to its platform or other users

23.2. If you wish to terminate your account voluntarily, you must contact us at support@funded.guru. Voluntary termination does not entitle you to any refund of previously paid fees.

23.3. Upon termination, you will lose access to all Services, accounts, and dashboards. Any pending Performance Reward requests will be evaluated and determined at Funded.Guru's sole discretion.

23.4. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

23.5. Data Retention Following Termination. Termination of your account does not result in the immediate deletion of all personal data. Funded.Guru retains personal data, KYC/AML documentation, transaction records, trading activity logs, communications, compliance records, and related information following termination for the periods required by applicable law and Funded.Guru's legitimate business interests, including without limitation:

• AML/CFT compliance retention: for a minimum of five (5) years from the date of account termination or the date of the last transaction (whichever is later), in accordance with UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and its implementing regulations, or for such longer period as may be required by applicable law;
• Tax and accounting records: for the period required under UAE Federal Decree-Law No. 47 of 2022 on the Taxation of Corporations and Businesses, the UAE Commercial Companies Law, and any other applicable tax and accounting legislation;
• Legal claims and defence: for the duration of any applicable limitation period during which legal claims may be brought by or against Funded.Guru;
• Sanctions and fraud prevention: for so long as necessary to comply with sanctions monitoring, fraud prevention, and counter-terrorism financing obligations; and
• Regulatory cooperation: for so long as necessary to respond to lawful requests from competent authorities.

Where you submit a request to exercise any data subject right (including erasure, restriction, or objection) under the UAE Personal Data Protection Law, the EU General Data Protection Regulation, the UK GDPR, or any other applicable data protection law, Funded.Guru will respond in accordance with the applicable law. You acknowledge that such rights are not absolute and that Funded.Guru may refuse, restrict, or defer compliance with such requests to the extent necessary to comply with legal obligations (including the AML/CFT and tax retention obligations set out above), to establish, exercise, or defend legal claims, or where another exemption under applicable data protection law applies. Following the expiry of all applicable retention periods, personal data will be securely deleted or anonymised in accordance with our Privacy Policy.

24. Disclaimers and Limitation of Liability

24.1. OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

24.2. Funded.Guru does not guarantee, represent, or warrant that your use of our Services will be uninterrupted, timely, secure, or error-free. We do not warrant that the results that may be obtained from the use of the Services will be accurate or reliable. We are not liable for losses arising from system downtime, data transmission failures, or third-party platform outages.

24.3. To the maximum extent permitted by applicable law, Funded.Guru's total aggregate liability to you arising out of or in connection with these Terms or the Services shall not exceed the greater of (a) the total fees paid by you to Funded.Guru in the twelve (12) months preceding the event giving rise to the claim, or (b) one thousand United States Dollars (USD 1,000). This cap applies in aggregate across all claims, causes of action, and theories of liability, whether in contract, tort, statute, or otherwise.

24.4. In no case shall Funded.Guru, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of savings, loss of data, loss of opportunity, replacement costs, or reputational harm, even if advised of the possibility of such damages.

24.5. Any Performance Reward, commission, remuneration, or similar compensation is not considered a liability of Funded.Guru. We are not responsible for ensuring the payment of any such reward where the User has not satisfied the applicable programme rules, and any claims related to these payments are expressly excluded from our liability.

24.6. Nothing in these Terms shall exclude or limit liability for fraud, gross negligence, or any liability that cannot be excluded under applicable UAE law.

25. Indemnification

You agree to indemnify, defend, and hold harmless Funded.Guru, its parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from and against any claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or access to our Services
• Your breach of these Terms or any applicable law
• Your violation of any third-party rights
• Any false or misleading information you have provided to us

26. Amendments

26.1. Funded.Guru reserves the right, at our sole discretion, to amend these Terms at any time. Updated Terms will be published on our website and notified to users via email or a prominent notice on the platform.

26.2. Your continued use of our Services after the effective date of any amendment constitutes your acceptance of the updated Terms.

26.3. If you do not agree to any amendment, you must cease using our Services prior to the effective date of the change.

27. Governing Law and Dispute Resolution

27.1. These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the United Arab Emirates as applicable in the Emirate of Dubai.

27.2. The parties agree that any dispute, controversy, or claim arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the Dubai Courts.

27.3. We are committed to resolving complaints promptly. If you have a complaint, please contact us at support@funded.guru. We will acknowledge your complaint and endeavour to resolve it within 30 days.

27.4. Individual claims only. To the maximum extent permitted by applicable law, all disputes between the User and Funded.Guru shall be brought in the User's individual capacity, and not as a plaintiff or class member in any purported class action, collective action, representative action, consolidated proceeding, or coordinated multi-claimant proceeding. The User waives any right to participate in any such collective, class, representative, or coordinated proceeding against Funded.Guru, save where such waiver is prohibited by mandatory applicable law.

28. General Provisions

28.1. Entire Agreement. These Terms, together with all incorporated Policies, constitute the entire agreement between you and Funded.Guru in relation to the Services and supersede all prior agreements, understandings, and representations, whether oral or written.

28.2. Severability. If any provision of these Terms is held invalid, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. The remaining provisions shall continue in full force and effect.

28.3. Waiver. Funded.Guru's failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

28.4. Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Funded.Guru may assign its rights and obligations without restriction.

28.5. Force Majeure. Funded.Guru shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, cyber-attacks, internet or telecommunications outages, failure, suspension, withdrawal, default, or insolvency of any third-party trading platform, broker, liquidity provider, data feed provider, crypto-asset service provider, payment processor, banking partner, merchant of record, KYC/AML provider, blockchain analytics provider, or cloud hosting infrastructure provider, blockchain network failure, reorganisation, fork, or congestion, embargoes, sanctions, regulatory actions, pandemics, civil unrest, armed conflict, terrorism, fire, flood, or any other event of force majeure.

28.6. Electronic Agreements. You agree that electronic communications, acceptances, and agreements are legally valid and binding to the same extent as written, signed documents.

28.7. Headings. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

28.8. Language. These Terms are issued in English. In the event of any conflict between the English version and any translated version, the English version shall prevail.

28.9. Interpretation. Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

29. Contact Information

For all enquiries, support requests, or legal notices, please contact:

• Email: support@funded.guru
• Website: https://funded.guru
• Address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates