Termos adicionais para transações fx e opções de moeda

Termos de transferência de dinheiro comumente usados.
Conheça a língua.
Enviar uma transferência internacional de dinheiro pode parecer complicado, especialmente quando se lida com terminologia diferente em um país estrangeiro. Se você vir uma palavra que não entende, procure aqui. Ao se familiarizar com a linguagem, você perceberá que sua compreensão das transferências de dinheiro como um todo melhorará.
ABA - American Bankers Association.
Uma rede de banqueiros e instituições financeiras responsável por criar e manter as melhores práticas padronizadas dentro do sistema bancário dos Estados Unidos.
Número de roteamento ABA.
Um número de identificação exclusivo de nove dígitos atribuído a instituições financeiras nos Estados Unidos pela ABA. Os primeiros quatro dígitos são o símbolo de roteamento de reserva federal, os quatro seguintes são o identificador da instituição ABA e o último é um dígito de verificação. Também comumente referido como um número ABA, (ABA) Número de Trânsito de Roteamento, Número de Roteamento, Número de Trânsito Bancário ou Número de Trânsito.
ACH - Câmara de Compensação Automatizada.
Uma rede bancária eletrônica usada para depósito direto e transferências por débito direto nos Estados Unidos.
Transferência ACH ou Pagamento ACH.
Um depósito direto ou transferência de débito direto processada nos Estados Unidos através da rede ACH. Pode levar até três dias úteis para ser concluído, dependendo dos horários de operação dos bancos. Vários pagamentos podem ser processados ​​em lotes. Semelhante ao BACS no Reino Unido e EFT no Canadá. Também conhecido como depósito direto ACH, pagamento direto ACH ou débito direto ACH.
Um intermediário ou pessoa contratada para realizar uma transação em nome de outra pessoa ou entidade.
Um aumento no valor de uma moeda.
Pergunte Taxa ou Pergunte Preço.
A taxa de câmbio na qual um provedor de divisas estrangeiras lhe venderá uma moeda. Também conhecida como a taxa de oferta. Para um cliente, uma taxa de pedido menor é preferível, pois significa que você pagará menos para comprar uma moeda.
BACS - Serviços automatizados de compensação dos banqueiros.
Um serviço de crédito direto e de compensação de débito direto oferecido no Reino Unido, onde as transferências levam três dias úteis para serem compensadas. Os pagamentos do BACS são gratuitos ou substancialmente mais baratos do que os pagamentos do CHAPS, mas estão perdendo popularidade para o FPS. BACS é semelhante a ACH nos Estados Unidos e EFT no Canadá.
A primeira moeda em um par de moedas. O valor da moeda base é definido como 1 em uma cotação e o preço pelo qual as duas moedas podem ser trocadas é refletido na moeda de cotação. Por exemplo, se a taxa EUR / USD for 1,10, então 1 euro custa 1,10 dólares americanos.
Um centésimo de um ponto percentual; 1pb = 0,01% = 0,0001. Um ponto base é uma unidade de medida comum em taxas de câmbio e taxas de juros. Muitas vezes se refere simplesmente a um ponto.
Uma conta mantida em um banco que um cliente pode usar para gerenciar seu dinheiro. A conta pode ser usada para reter depósitos de clientes, além de permitir que eles façam pagamentos. Outras formas de contas são mantidas com instituições financeiras não bancárias, como cooperativas de crédito.
Encargo bancário ou taxa bancária.
Uma taxa cobrada por um banco para manter uma conta ou para processar um pagamento. Estes incluem, mas não estão limitados a: taxas de transferência, taxas de transferência e comissões de câmbio. Também conhecido como taxas de serviço.
O componente de um BBAN e IBAN que indica o banco. Um identificador de banco pode ser um dígito alfa ou numérico ou uma combinação dos dois.
Número de Encaminhamento Bancário ou Número de Trânsito Bancário.
Um número exclusivo de nove dígitos usado no Canadá e nos Estados Unidos para identificar instituições financeiras. Os números de trânsito canadenses começam com um zero à esquerda, seguido por um código de instituição de três dígitos e um código de filial de cinco dígitos. Veja ABA Routing Number para a estrutura americana do número de roteamento.
A parte que recebe uma transferência de dinheiro. Também conhecido como destinatário.
BBAN - Número da conta bancária básica.
Um número de conta bancária exclusivo globalmente reconhecido que inclui detalhes sobre a instituição financeira e, possivelmente, também um local da filial e os dígitos de verificação. Cada país é responsável pela respectiva estrutura do BBAN. Nem todos os países adotaram o BBAN.
Refere-se ao primeiro número à esquerda da vírgula decimal em uma cotação de taxa de câmbio, que muda tão raramente que os provedores FX frequentemente os omitem entre aspas. O XE sempre inclui o número inteiro em uma taxa de câmbio para clareza e transparência.
A taxa de câmbio na qual um provedor de câmbio comprará uma moeda de você. Também conhecida como a taxa de compra. Para um cliente, uma taxa de lance mais alta é preferível, pois significa que você receberá mais pela moeda que está vendendo.
A diferença entre a taxa de lance e a taxa de solicitação. Muitas vezes referido como simplesmente o spread.
BIC - Código de Identidade Comercial ou Bancária ou Código BIC / SWIFT.
Um identificador de oito a onze caracteres reconhecido globalmente usado para representar uma instituição financeira para transferências interbancárias. Um BIC contém um identificador de festa de oito caracteres (ou seja, o banco) e pode ser seguido por um identificador de ramificação de três caracteres opcional. O identificador da parte comercial consiste em um código de banco de quatro caracteres, um código de país de duas letras e um código de local de dois caracteres. Uma lista desses identificadores padrão operacionais é mantida pelo SWIFT. Também conhecido como código SWIFT. Veja a Calculadora IBAN para mais detalhes.
Bill Pay ou Bill Payer.
Um serviço americano em que um titular de conta bancária pode configurar um destinatário em seu sistema bancário on-line para enviar depósitos diretos.
Um sistema de pagamento de contas australiano em que um cliente pode pagar uma empresa ou outra organização que esteja registrada no sistema BPay. O cliente inicia uma transferência de crédito direta por meio de seu banco, que deve incluir o código de faturamento e o número de referência da empresa destinatária. As transferências BPay são processadas no mesmo dia, se enviadas pelo horário limite. Caso contrário, eles geralmente são processados ​​no próximo dia útil.
O componente de um BBAN e IBAN que indica uma ramificação específica de uma instituição financeira.
A taxa de câmbio na qual um provedor de câmbio comprará uma moeda de você. Também conhecida como a taxa de lance. Para um cliente, uma taxa de lance mais alta é preferível, pois significa que você receberá mais pela moeda que está vendendo.
A parte que está comprando um par de moedas em uma transação de câmbio.
Um banco nacional ou organização bancária, geralmente independente do governo, que fornece serviços bancários e outros serviços financeiros ao seu país ou estados membros. O banco central ajuda a implementar a política monetária do governo, que inclui a definição de taxas de juros e a emissão de moeda.
CHAPS - Sistema de Pagamento Automatizado da Câmara.
Um serviço do Reino Unido que fornece transferências eletrônicas no mesmo dia. Os pagamentos do CHAPS são caros, então são normalmente usados ​​para pagamentos de alto valor, onde os fundos devem ser liberados imediatamente, como a compra de um carro ou casa nova. Se os fundos não forem necessários imediatamente, opções mais econômicas são pagamentos BACS ou FPS.
Verificar Dígito ou Verificar Soma.
Um dígito de verificação é um número adicionado a um número de conta bancária para detecção de erros por meio de um cálculo matemático. Ele ajuda a validar as informações e a proteger contra erros no número da conta, como transposições e dígitos ausentes. Os dígitos de cheque são de responsabilidade do banco que atende a conta. Um dígito de verificação não verifica se o número da conta está correto, apenas verifica se é possível que o número da conta exista para uma instituição financeira em particular.
Um documento que diz a uma instituição financeira para pagar a um destinatário uma quantia especificada de uma conta específica. A parte que fez o cheque deve manter uma conta na instituição financeira da qual está solicitando o pagamento e deve assinar o cheque para torná-lo válido.
Uma taxa ou taxa de serviço imposta por uma instituição financeira ou provedor de FX para a execução de instruções de um cliente, que também pode envolver orientação dada pela instituição financeira ou provedor de FX. As comissões podem ser uma taxa fixa ou um valor percentual do contrato em questão.
Um documento escrito (eletrônico) que verifica a conclusão de uma transação. Inclui detalhes como datas, comissões e / ou taxas, termos de liquidação e a taxa de câmbio.
A segunda moeda em um par de moedas é o preço para comprar uma unidade da moeda base. Também conhecida como a moeda de cotação.
Um método de pagamento em que o titular do cartão paga por bens e serviços através de empréstimo do emissor do cartão, com a promessa de pagar ao emissor do cartão por todos os fundos devidos até uma determinada data.
Uma transferência de dinheiro iniciada por um titular de conta bancária para ser enviada diretamente para a conta de um destinatário.
Transferência transfronteiriça.
Uma EFT que envia fundos de uma conta em um país para outro. Também conhecido como transferência internacional.
Uma taxa de câmbio entre duas moedas que é calculada com base em uma terceira moeda. Refere-se frequentemente a uma taxa de câmbio que não inclui a moeda nacional de um país.
As moedas são cotadas em pares, como EUR / USD ou USD / JPY. A primeira moeda é conhecida como a moeda base, enquanto a segunda é chamada de moeda de contagem ou cotação. A moeda base é a "base" para a compra ou a venda.
Risco associado a flutuações, particularmente uma depreciação, no valor de uma moeda.
Um cartão que debita o montante devido diretamente de uma conta bancária. Pode ser utilizado para sacar dinheiro ou para processar uma EFT por meio de serviços bancários on-line.
Uma transferência de dinheiro iniciada pela instituição financeira de um destinatário. O banco do destinatário instrui o banco do pagador a enviar fundos para a conta do destinatário a partir da conta do pagador. Estas instruções são pré-aprovadas pelo pagador. Métodos de transferências de débito incluem cheques, rascunhos ou débitos diretos eletrônicos.
A troca de ambas as moedas negociadas pelo comprador e vendedor. No caso de um cliente reservar uma transação por meio de um provedor de FX, isso significa que o cliente pagou ao provedor e o provedor pagou ao destinatário.
Para colocar dinheiro em uma conta bancária. O termo também se refere a uma porcentagem de um contrato que deve ser fornecida como garantia em alguns contratos, como um contrato a termo.
Uma diminuição no valor de uma moeda.
O país no qual a conta bancária para a qual é enviada uma EFT é retida.
Uma EFT que é iniciada pelo destinatário do pagamento. O destinatário envia as instruções para a conta da qual o pagamento é retirado. É necessário fornecer instruções pré-autorizadas na conta antes de a instituição financeira do remetente processar a transferência.
Crédito direto ou depósito direto.
Uma EFT iniciada pelo titular da conta bancária a ser enviada diretamente para uma conta de destinatário. Também conhecido como transferência de crédito.
Semelhante a um cheque, mas os fundos são pré-liberados e o titular da conta não precisa assinar um rascunho.
EFT - Transferência Eletrônica de Fundos.
Um termo usado para descrever qualquer forma de transferência de dinheiro que envolva processamento eletrônico; não há cheques físicos, rascunhos, ordens de pagamento ou dinheiro envolvidos. Estes podem incluir débito direto, depósito direto, transferências de crédito e débito, bem como fios. EFT é também um termo usado no Canadá para se referir a ACH ou BACS.
EFTA - Associação Européia de Livre Comércio.
Organização intergovernamental que promove o livre comércio e a integração econômica para seus 4 países membros: Islândia, Liechtenstein, Noruega e Suíça.
UE - União Europeia.
Uma união política e econômica de 28 países na Europa. O objetivo contínuo da UE é desenvolver um mercado único que padronize as regras em torno de assentamentos, emprego e comércio e garanta a livre circulação de pessoas, capital, bens e serviços na região. Apenas alguns dos seus estados membros usam o euro como moeda.
Os países da UE que adotaram o euro como moeda oficial. Atualmente consiste em 19/28 estados membros da UE.
Indica quanto da moeda de cotação custaria para comprar uma unidade da moeda base. Frequentemente chamada de taxa de câmbio, taxa de câmbio ou taxa de câmbio.
Uma cobrança imposta por uma instituição financeira ou por um provedor de FX para câmbio ou transferência de dinheiro. Também conhecida como taxa ou encargo bancário, taxa de serviço e taxa de transferência.
Câmbio (FX ou Forex)
A negociação de uma moeda por outra.
Taxa de câmbio (FX).
Indica quanto da moeda de cotação custaria para comprar uma unidade da moeda base. Também se refere mais simplesmente como a taxa de câmbio ou taxa.
Provedor de Câmbio (FX).
Uma empresa que oferece câmbios e pagamentos internacionais. Embora possa ser um banco, o termo geralmente se refere a instituições financeiras não bancárias. A maioria dos provedores de FX também se concentra na conversão de moeda com a intenção de entregar um pagamento a um destinatário, em oposição à negociação especulativa.
Um contrato para o qual o comprador e o vendedor concordam com uma taxa de câmbio hoje, mas a data de liquidação é mais do que dois dias úteis no futuro. Se o preço do par de moedas mudar entre quando o contrato é formalizado e quando é liquidado, as partes ainda estão comprometidas com a taxa especificada no contrato.
Refere-se aos pontos que são adicionados ou subtraídos da taxa de câmbio atual para obter o preço ou taxa a termo. Os pontos a termo baseiam-se em uma fórmula padrão da indústria que leva em consideração a diferença nas taxas de juros entre as duas moedas entre o momento de se comprometer com o contrato e sua data de vencimento.
FPS - Serviço de Pagamentos Mais Rápidos.
Um serviço de compensação de pagamentos para transferências diretas de crédito e de débito direto em libras esterlinas no Reino Unido. O destinatário normalmente pode acessar os fundos no mesmo dia em que a transferência é iniciada. Essas transferências custam aproximadamente o mesmo que os pagamentos BACS. O FPS exige que os bancos remetente e recebedor sejam membros da rede FPS para enviar um pagamento.
Um hedge é um investimento usado para compensar ganhos ou perdas potenciais associados ao risco de outro investimento. As empresas costumavam usar um contrato a termo para se proteger contra flutuações cambiais no futuro.
IBAN - Número Internacional de Conta Bancária.
Um número de conta que contém informações exclusivas da conta bancária em um formato padronizado para melhorar a validação ao fazer uma transferência internacional de dinheiro. Consiste em um código de país de duas letras, dois dígitos de verificação e um BBAN. Um IBAN pode conter até trinta e quatro caracteres alfanuméricos, dependendo da estrutura acordada do país. Veja a Calculadora IBAN para mais detalhes.
Registro IBAN (também conhecido como SWIFT IBAN Registry)
O Registro SWAN da IBIFT é considerado o registro oficial dos IBANs compatíveis com ISO.
Serviço bancário canadense que permite que qualquer pessoa com uma conta em uma instituição financeira participante envie uma transferência de crédito direta para um destinatário com segurança por meio de seu endereço de e-mail. O destinatário recebe uma notificação por e-mail referente à transferência pendente que direciona o destinatário a depositar os fundos diretamente em sua conta por meio de seus respectivos serviços bancários on-line.
A transferência de fundos de uma conta em um banco para outro em um banco diferente.
Uma TEF que transfere fundos de um país para outro. Também conhecido como transferência transfronteiriça.
Transferência Bancária Intra.
A transferência de fundos de uma conta para outra dentro do mesmo banco. Também conhecido como transferência bancária.
ISO - Organização Internacional para Padronização.
Uma organização não governamental independente que trabalha em conjunto com o SWIFT para garantir que os IBANs sejam padronizados.
Taxa Inversa ou Taxa de Câmbio Inversa.
Uma cotação para a qual a moeda base e a moeda de contrapartida são trocadas. Uma taxa inversa é calculada dividindo-se uma pela taxa de câmbio.
Uma transação em que o cliente define o preço e o pedido está aberto até que o mercado atinja esse preço. Nesse ponto, a ordem é preenchida como uma transação à vista.
Um depósito exigido em contratos a termo como garantia para cobrir o risco associado a possíveis movimentos da taxa de câmbio. Também é usado para se referir à marcação em uma transação.
Uma chamada de um provedor de FX para aumentar o requisito de depósito de margem de uma conta. A chamada é tipicamente feita após uma moeda ter depreciado significativamente em valor.
Um depósito exigido em contratos a termo como garantia para cobrir o risco associado a possíveis movimentos da taxa de câmbio.
Aumento adicional no preço ou taxa de câmbio de uma moeda. É assim que os bancos e os provedores de FX geralmente obtêm lucro quando negociam em moeda estrangeira.
A capacidade de enviar pagamentos para muitos destinatários de uma só vez.
A data em que um contrato deve ser liquidado. Veja também a data de liquidação.
O ponto médio entre a taxa de compra e a taxa de venda dos mercados monetários globais.
Um certificado que age como um cheque, que um destinatário pode trocar por uma quantia especificada de dinheiro sob demanda em troca. Ordens de pagamento são frequentemente usadas por indivíduos que não possuem uma conta de chequing.
Um pagamento que não envolve dinheiro. Os métodos incluem: fio, EFT, rascunho e cheque, ordem de pagamento.
MSB - Money Services Business.
Uma empresa não bancária ou instituição financeira que processa transferências de dinheiro. Os MSBs não podem deter depósitos, mas estão sujeitos a muitos dos mesmos regulamentos que os bancos.
A taxa na qual um provedor de câmbio vai vender a moeda para você. Também conhecida como taxa de consulta. Para um cliente, uma taxa de pedido menor é preferível, pois significa que você pagará menos para comprar uma moeda.
A parte que recebe uma transferência de dinheiro. Para transferências monetárias e FX, normalmente conhecidas como destinatário ou beneficiário.
PIN - Número de identificação pessoal.
Uma senha, geralmente de três a oito caracteres, para sistemas financeiros.
Pip - Ponto em Porcentagem ou Porcentagem em Ponto ou Ponto de Interesse de Preço.
Uma unidade de mudança em uma taxa de câmbio. Um pip é igual a um ponto para a maioria dos principais pares de moedas, uma vez que têm um preço de quatro casas decimais no mercado de câmbio. O iene japonês é uma exceção, pois tem preço de apenas duas casas decimais.
Uma unidade de medida comum em taxas de câmbio e taxas de juros, um ponto é um centésimo de um ponto percentual;
1pb = 0,01% = 0,0001. Tecnicamente chamado de ponto de base, mas normalmente referido simplesmente como um ponto.
Um preço ou uma taxa de câmbio que alguém oferece para comprar ou vender um par de moedas.
A segunda moeda em um par de moedas é o preço para comprar uma unidade da moeda base. Também conhecida como a moeda do contador.
O preço de uma moeda em termos de outra moeda. Também conhecido como taxa de câmbio.
A parte que recebe a transferência de dinheiro. Também conhecido como o beneficiário.
Um identificador único numérico ou alfanumérico usado para rastrear uma transferência de dinheiro.
Uma transferência de dinheiro enviada para casa por alguém que está trabalhando no exterior. A transferência normalmente envolve a troca de fundos do país estrangeiro em que a pessoa está trabalhando para a moeda nacional de seu país de origem.
Número usado para redirecionar pagamentos dentro de uma instituição financeira. Também conhecido como número de roteamento ABA nos Estados Unidos, número de trânsito na América do Norte, código de classificação no Reino Unido e na Irlanda.
RTN - Número de Trânsito de Roteamento.
Mesma transferência bancária.
A transferência de fundos de uma conta para outra dentro do mesmo banco. Também conhecido como transferência bancária interna.
A parte que está vendendo um par de moedas em uma transação.
A pessoa ou empresa que inicia uma transferência de dinheiro.
SEPA - Área Única de Pagamentos em Euros.
Formado para facilitar as transferências transfronteiriças de euros na UE e na EFTA. Com a SEPA, agora é possível gerenciar todos os pagamentos em euros de uma única conta bancária na região. Embora ainda seja possível cobrar uma taxa de transferência para os pagamentos da SEPA, os bancos não podem deduzir o montante transferido.
As transferências SEPA são crédito direto ao euro e transferências por débito direto dentro da UE. Os pagamentos da SEPA estão indo em direção a apenas exigir um IBAN para processar e normalmente levam de um a dois dias úteis para serem liquidados.
Taxa cobrada por uma instituição financeira ou provedor de FX relacionada à manutenção de uma conta ou ao processamento de uma transferência de dinheiro. Estes incluem, mas não estão limitados a: taxas de transferência, taxas de transferência e comissões. Os bancos geralmente se referem a eles como cobranças bancárias ou taxas bancárias.
A data em que um contrato é liquidado, ou seja, todos os pagamentos acordados no contrato foram enviados. Veja também a data de vencimento.
Um código numérico de seis dígitos usado por bancos irlandeses e britânicos para encaminhar pagamentos dentro desses países. Os códigos são divididos em três grupos de dois e contêm detalhes sobre o banco e a agência. Semelhante a um número de trânsito na América do Norte.
Negociação especulativa ou negociação de especificações.
Entrando em um contrato de câmbio com a intenção de lucrar com o movimento de um valor monetário.
Contrato à vista ou transação pontual.
Um contrato de câmbio com base na taxa à vista e na data de liquidação é de dois dias úteis.
Preço Spot ou Taxa Spot.
O preço atual de mercado para um par de moedas.
A diferença entre a taxa de oferta e a taxa de solicitação de um par de moedas. Também conhecido como o spread bid-ask.
SWIFT - A Sociedade para Telecomunicações Financeiras Interbancárias Mundiais.
Uma organização cooperativa que promove a padronização de transações financeiras.
Um identificador de oito a onze caracteres reconhecido globalmente usado para representar uma instituição financeira para transferências interbancárias. Um código SWIFT contém um identificador de festa de oito caracteres (ou seja, o banco) e pode ser seguido por um identificador de ramificação de três caracteres opcional. O identificador da parte comercial consiste em um código de banco de quatro caracteres, um código de país de duas letras e um código de local de dois caracteres. Uma lista desses identificadores padrão operacionais é mantida pelo SWIFT. Também conhecido como código BIC ou BIC ou código BIC / SWIFT. Veja a Calculadora IBAN para mais detalhes.
Pagamento de terceiros
Um pagamento que envolve um terceiro (ou seja, não o cliente ou o destinatário). Pode envolver um processamento de terceiros ou pagar pela transação.
Taxa associada a uma transferência de dinheiro. As taxas de transferência são separadas das comissões FX e podem ser aplicadas a uma mesma transferência de moeda.
Um número exclusivo atribuído a instituições financeiras na América do Norte para identificar o banco e a agência para encaminhar corretamente os pagamentos para seus destinos apropriados no Canadá e nos Estados Unidos. Semelhante ao código de classificação usado na Inglaterra e na Irlanda. Veja o número de roteamento ABA para a estrutura do número de trânsito americano e o número de trânsito bancário para a estrutura do número de trânsito canadense.
O conceito de um cliente poder visualizar a análise dos custos associados a uma transação.
Uma data futura para a qual um preço é definido para uma transação de câmbio. Para contratos à vista, a data-valor é tipicamente a mesma que a data de liquidação.
Transferência de fio ou fio.
Uma EFT segura que requer um código SWIFT ou IBAN que é processado através da rede SWIFT. Os fios são uma forma mais cara de EFT que pode ser enviada para o mercado interno ou internacional. Os fundos são garantidos e não podem ser recuperados. Eles normalmente demoram alguns dias para serem resolvidos, com os cabos internacionais demorando ainda mais dependendo de quantos bancos estão envolvidos na transferência.
Taxas de câmbio ao vivo.
Perfis de moeda popular.
Taxas do Banco Central.
Obter uma conta XE.
Acesse serviços XE premium como Alertas de Taxa. Saiba mais ▶

Fórum Forex.
O que está acontecendo agora!
por GVI Trader john.
Lado a lado fóruns FX + Gold.
Fórum Premium (assinatura).
por GVI Trader john.
Blog de Notícias Forex.
Contagem regressiva de notícias de dados.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 21:33:45 GMT.
Idéias de Negociação para 22 de fevereiro de 2018.
Atualize sua negociação. Experimente o incrível comerciante.
GVI Trading. Escala de risco de preço potencial.
AA: Major, A: Alto, B: Médio.
Qui 22 fev 2018.
Um inquérito 09:00 DE - IFO.
AA 13:30 CA - Vendas no varejo.
A 13:30 US - Weekly Jobless.
A 16:00 US-EIA Crude.
Sex 23 de fevereiro de 2018.
Um 10:00 EZ-Final HICP.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 21:30:44 GMT.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 21:22:56 GMT.
Banco de dados livre do Global-View FX. Dados High-Low-Close para mais de uma dúzia de pares de moedas para mais de dezessete anos de dados em um formato de planilha do Excel Mais. Mais.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 15:10:47 GMT.
Estatística de habitação mais significativa. Dados mais fracos do que o esperado em janeiro de 2018.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 14:50:41 GMT.
Flash Markit Mfg & amp; Serviço PMI. Fevereiro de 2018 Dados mais altos. Estes permanecem versões de segundo nível. Os dados finais são divulgados no início do novo mês.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 10:04:34 GMT.
Você gostaria de roubar sementes do mercado?
Você gostaria de roubar sementes do seu corretor?
A única maneira que eu sei como fazer isso é fazer negociação consistente de dinheiro, procurando por negociações de alta probabilidade Mais. Mais.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 09:43:12 GMT.
Contagem de Reclamadores do Reino Unido cai (menor = melhor). A taxa de desemprego é maior em 4,40%. Headline Average Weekly Earnings misturado.
Global-View Quarta-feira, 21 de fevereiro de 2018 - 09:24:33 GMT.
Idéias de Negociação para 21 de fevereiro de 2018.
Atualize sua negociação. Experimente o incrível comerciante.
GVI Trading. Escala de risco de preço potencial.
AA: Major, A: Alto, B: Médio.
Qua 21 fev 2018.
00:00 CN - Feriado.
Um dia inteiro pisca PMIs.
A 15:00 US - Existing Homes Sales.
A 15:30 US-EIA Crude.
AA 19:00 Acta da Assembleia dos EUA.
Qui 22 fev 2018.
Um inquérito 09:00 DE - IFO.
AA 13:30 CA - Vendas no varejo.
A 13:30 US - Weekly Jobless.
Sex 23 de fevereiro de 2018.
Um 10:00 EZ-Final HICP.
Veja o FÓRUM FOREX. para dados reais, gráficos selecionados, etc.) e comentários de traders experientes para eventos conforme eles acontecem.

Contas do dólar canadense.
Conta de operação comercial do CIBC.
Uma Conta de Negócios do CIBC Business é a base de suas atividades bancárias com o CIBC e permite que você tire proveito de nossa ampla gama de serviços financeiros.
Nossas opções de conta oferecem benefícios bancários diários e valor excepcional para empresas com volumes de transação baixos a altos.
Aproveite a flexibilidade de fazer transações bancárias quando e onde desejar - em filial, por telefone, em um ABM ou usando nossos serviços bancários on-line e móveis - para atender às suas necessidades bancárias do dia-a-dia de forma conveniente e eficiente Saldo ou conta ilimitados da conta inquéritos de atividade através de máquinas bancárias CIBC Instant Teller ®, CIBC Banca telefónica, CIBC Online Banking ®, CIBC Cash Management Online ® (CMO) 9 ou Banking Unlimited CIBC Small Business Cartões de Conveniência ® A capacidade de atribuir tarefas e operações financeiras de rotina aos seus delegados com o recurso CIBC Small Business Customized Access ® Acesso às declarações eletrônicas do serviço de depósito da Wallet, sem custo adicional, por meio de canais on-line 10.
Contas disponíveis:
Transações mensais incluídas 1.
Taxa para cada transação 1.
Conta operacional de negócios ilimitada do CIBC ®
Oferece às empresas com um elevado número de transações mensais a capacidade de simplificar os serviços bancários e aumentar o fluxo de caixa por uma pequena taxa mensal. Com transações ilimitadas 1, como saques, transações de depósito, transferências, pagamentos de contas, bem como um pacote de dinheiro, moedas e cheque-depósito 2, essa conta oferece uma taxa mensal consistente mesmo quando a atividade bancária aumenta.
Conta Operacional de Negócios Cotidiana da CIBC ®
Oferece valor excepcional para empresas com um número consistente de transações mensais 1. Com benefícios bancários diários, como 30 transações 1 por mês, um pacote de dinheiro, moedas e cheques 6 e a flexibilidade de minimizar taxas quando você usa apenas canais de autoatendimento para realizar transações 1 em um mês, essa conta não apenas ajuda você a gerenciar seu fluxo de caixa, mas também sua linha de fundo.
Autoatendimento 7 acesso.
Acesso de serviço completo 8.
Conta operacional básica do CIBC ®
Oferece às empresas com um baixo número de transações mensais a flexibilidade de minimizar suas taxas bancárias mensais, pagando somente pelo que você usa. Esta conta dá a capacidade de realizar todo o seu dia-a-dia bancário, a qualquer hora e em qualquer lugar no CIBC por uma baixa taxa de conta mensal.
Conta operacional sem fins lucrativos do CIBC.
A conta operacional sem fins lucrativos do CIBC oferece uma solução econômica para atender às necessidades de organizações locais sem fins lucrativos ou baseadas na comunidade. Essa conta inclui uma taxa de conta mensal baixa e 10 transações 1 para que você possa colocar o dinheiro de sua organização em sua melhor utilização.
Taxa de conta mensal 3 - US $ 4,00 Transações incluídas 1,5 - 10 / mês Cada transação adicional US $ 1,00 de autosserviço 7 US $ 1,25 de serviço completo 8 eStatements 10 disponível sem custo adicional pelos canais on-line.
Conta de Crescimento do Investimento Empresarial CIBC *
A conta CIBC Business Investment Growth oferece a oportunidade de obter uma taxa de retorno competitiva sobre os fundos excedentes, mantendo a liquidez total. É o complemento perfeito para sua conta operacional de negócios e fornece acesso fácil aos seus fundos quando você precisar deles.
Os juros diários, que são calculados no saldo final de cada dia do dia As taxas de juros em camadas competitivas eStatements 10 estão disponíveis sem custo adicional pelos canais on-line.
Taxa de conta mensal 3 - Sem cobrança Cada transação de crédito 1 $ 1,00 de autosserviço 7 $ 1,25 serviço completo 8 Cada transação de débito 1 - $ 5,00.
Para as Contas de Crescimento do Investimento Empresarial CIBC, os juros são creditados em sua conta a partir do último dia útil do mês civil e serão refletidos nos seus registros de conta e estarão disponíveis para você dois dias úteis após o final do mês calendário. As taxas de juros cotadas são anuais e estão sujeitas a alterações sem aviso prévio e estão em exibição em qualquer agência.
Conta Operacional do Negócio CIBC para Clientes Corporativos Comerciais / Grandes.
A conta de negócios da CIBC para clientes comerciais / grandes empresas é uma conta de dólar canadense projetada para atender a todas as suas necessidades bancárias de negócios, desde transações diárias até serviços de gerenciamento de caixa mais complexos.
Taxa mensal mínima da conta - $ 6,00 Inclui uma transação livre 1 para cada $ 2.000 retidos na conta durante todo o mês 4 Cada transação adicional 1 $ 1.00 self-service 7 $ 1.25 full-service 8 A taxa mensal mínima da conta é dispensada se você não tiver transações 1 durante o mês do calendário eStatements 10 disponível sem custo adicional através dos canais online.
Precisa de mais informação?
Entre em contato com um representante do CIBC ou visite uma agência do CIBC perto de você.
1-800-465-2422 gratuito.
Observação: A taxa da conta mensal é igual à taxa da conta mensal mínima ou ao total de taxas de transação do mês, menos as transações gratuitas, o que for maior.
* Disponível apenas para clientes qualificados do Small Business.
1 As transações incluem quaisquer débitos e créditos na sua conta (excluindo créditos de juros e débitos de taxas do CIBC). Os débitos incluem, sem limitação, saques, cheques, pagamentos pré-autorizados, pagamentos de contas, pagamentos diretos INTERAC ®, pagamentos INTERAC e-Transfer ®, depósitos diretos e transferências para outras contas. Os créditos incluem, sem limitação, depósitos, pagamentos pré-autorizados, pagamentos de contas, Pagamentos Diretos INTERAC, pagamentos por e-Transfer do INTERAC, e depósitos e transferências diretas de outras contas (exceto transferências de contas empresariais CIBC). Encargos adicionais podem ser aplicados incluindo, sem limitação, INTERAC e-Transfer, & quot; Items Deposited & quot; e & quot; Moeda Fornecida & quot; taxas, quando aplicável. Consulte Serviços Adicionais e Encargos para detalhes.
2 Verificar depósitos incluem cheques, ordens de pagamento, rascunhos e todos os outros itens de compensação. & quot; Itens depositados & quot; as cobranças se aplicam a depósitos superiores a 100 cheques ou US $ 15.000 em espécie ou US $ 1.000 em moeda por mês; Veja Serviços Adicionais e Encargos para detalhes.
3 A taxa mensal se aplica mesmo se não houver atividade da conta. Outras taxas podem se aplicar à operação de sua conta; consulte Serviços Adicionais e Encargos para obter detalhes.
4 Transações livres não podem ser transportadas para uso nos meses subseqüentes.
5 Se você escolher um Pacote de taxas fixas e executar menos do que o número permitido de transações em um mês, as transações não utilizadas não poderão ser transportadas para os meses subseqüentes.
6 Verificar depósitos incluem cheques, ordens de pagamento, rascunhos e todos os outros itens de compensação. & quot; Itens depositados & quot; taxas se aplicam a depósitos acima de 25 cheques ou US $ 3.000 em dinheiro ou US $ 300 em moeda por mês; Veja Serviços Adicionais e Encargos para detalhes.
7 Autoatendimento refere-se a transações realizadas por meio de uma Máquina Bancária, terminal de Ponto de Venda, Serviço de Depósito de Carteira, Serviço Automatizado do CIBC, Serviço Automatizado do CIBC, CMB, CIBC e Depósito para dinheiro ou CIBC e Depósito para Verificações.
8 O serviço completo refere-se a transações realizadas em uma filial do CIBC, por meio de um representante do CIBC Telephone Banking ou por meio de um representante do CIBC Business Contact Center.
9 taxa de manutenção mensal do CMO será aplicada.
10 eStatements are available once a month at month end on CIBC Online Banking or based on your preferred statement cycle on CIBC Cash Management Online (CMO). To view eStatements on CIBC Online Banking, you must be a Signatory or Co-Signatory and registered for CIBC Online Banking. To view eStatements on CMO, you must be registered for CMO, entitled to one or more business accounts and entitled to eStatements. Included with CMO monthly Maintenance fee.
Need to meet?
Canadian Imperial Bank of Commerce Website - Copyright © CIBC.

Termos & amp; Condições.
Termos Gerais & amp; Condições.
Please note, Newcastle Building Society (NBS), the original issuer of the FairFX Mastercard® Prepaid Card, has transferred its Prepaid Cards Division to Wirecard Card Solutions Limited (WDCS). WDCS, authorised and regulated by the Financial Conduct Authority in the UK and covered by the Financial Ombudsman Service, is the new issuer of your card. The Terms and Conditions and any fees relating to your card remain unchanged. This also does not affect the status of your card or statutory rights in any way. Should you have any queries regarding this matter don't hesitate to contact us, Mon-Fri, 9am-5pm on 020 7778 9300 or email enquiries@fairfx.
This website (the or this "Website") is operated and owned by FairFX [FairFX Plc, 3rd Floor, Vintners' Place, 68 Upper Thames Street, London EC4V 3BJ] ("FairFX"). You can contact us at enquiries@fairfx.
Use of and access to the Website is provided on the basis of the following terms and conditions.
Availability of services and products and accessing the website.
1. FairFX may from time to time and without first letting you know:
1.1 make such changes to the content of the Website or the products or services offered by FairFX through the Website as FairFX (in its absolute discretion) considers appropriate from time to time;
1.2 withdraw such services and products as FairFX (in its absolute discretion) considers appropriate from time to time;
1.3 terminate your access or use of the Website for any breach of these terms or conditions or for any breach of law or regulation or for any reason FairFX considers appropriate in order to comply with anti-money laundering regulations. FairFX reserves the right to use various procedures to authenticate each transaction including identity checks. This service is currently performed by the GB Group. FairFX reserves the right to decline to continue to process any part of your order at any time;
1.4 discontinue the operation of the Website.
2. Permitted Access to the Website.
2.1 You should not use the Website from any country where accessing or using the Website or any of the information, products or services on it is prohibited by law. This Website does not constitute any invitation or solicitation by FairFX to any person to use any such information, products or services in countries where to do so is prohibited by law.
3. Reliance on Information Posted.
3.1 FairFX shall use its reasonable endeavours to ensure that any dated information contained or reproduced on the Website is up to date at the stated date of its publication only. FairFX does not accept any responsibility to update or amend any information. The information or content provided by the Website may be out of date at any given time.
4. Restrictions on use of the website.
4.1 The content of the Website and the products and services made available by FairFX on the Website are intended for use by holiday or business travellers or by individuals or corporations seeking to purchase currencies for the purposes of business travel, and should not be used for speculation or investment.
5. Intellectual Property.
5.1 All intellectual property and all materials comprising or contained in the Website including but not limited to all text/articles, logos, software and images, are owned, or as the case may be licensed, except as otherwise expressly stated, by FairFX.
5.2 You are entitled to access the Website for the purposes of accessing the facilities offered by FairFX. However you may not use in any way, directly or indirectly, the Website or any of its components for any other purpose. The materials contained on or comprising the Website may not be copied or redistributed for commercial purposes or for compensation of any kind without prior written permission from FairFX.
6. Links to other sites.
6.1 This Website contains links to third party websites. Such links are provided to you for your convenience only.
6.2 FairFX has no control over any material which has been published or contained on such third party websites. FairFX does not warrant the content or accuracy of such third party websites nor does FairFX accept responsibility or liability in relation to the content or products offered by or through such third party websites.
7. Limitations on liability.
7.1 All content shown on the Website (and all services and products provided by it) are provided and made available without any warranties, conditions or guarantees given by FairFX. All such warranties, conditions or guarantees which would otherwise be implied by law are excluded to the fullest extent permitted by law. In particular, FairFX does not warrant the accuracy, suitability, reliability, completeness, performance and/or fitness for purpose of the content of any services or products available through this Website.
7.2 FairFX uses reasonable skill and care in providing its products and services to you. However (to the maximum extent permitted by law) FairFX is not liable to you for any loss, damage, claim or compensation (including loss of profit or loss of use) arising out of:
7.2.1 your use, delay or inability to use this Website;
7.2.2 any inability to perform any of FairFX's obligations due to failure of any technical or computer systems;
7.2.3 any reasons beyond FairFX's reasonable control. This will include (amongst other things) war, terrorism, government action, natural disaster, and industrial disputes;
7.2.4 any damage to your computer equipment as a result of using this Website or any products or services provided from it;
7.2.5 any change in foreign currency rates which may occur from time to time.
7.3 Without limiting the more general exclusions of liability as set out in sections 7.1 and 7.2, (to the maximum extent permitted by law) FairFX is not liable to you for any loss of profit, loss of use, indirect, or consequential losses, claims or other damages suffered or incurred by you from your use of the Website or the products or services offered through or by the Website however caused.
7.4 FairFX's maximum aggregate liability to you in respect of all foreign currency transactions undertaken by you shall be limited to a refund equivalent to any moneys you have paid to FairFX to acquire foreign currency.
7.5 FairFX does not warrant that the Website is free of viruses or of other material which is malicious or technologically harmful. FairFX is not liable for any viruses for other technologically harmful material that may affect your computer equipment, computer programs or other material resulting from your use of the Website.
7.6 The disclaimers and limitations of liability in these terms and conditions shall not apply to any damages arising from death or personal injury caused by the negligence of FairFX or any of its employees or agents or for fraud.
7.7 FairFX does not accept any liability for loss occasioned by fraudulent spending or any other unauthorized use of the card no matter how caused but will assist its customers in preparing a claim for submission to the appropriate third parties where requested to do so.
7.8 If any provisions of these terms and conditions including these disclaimers and limitations shall be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. Your statutory rights remain unaffected.
8. Privacy and data protection.
FairFX processes information about you in accordance with its privacy policy. By using the website you consent to such processing and you confirm that all data you provide is accurate.
Governing Law and changes to these terms and conditions.
9. All use of the Website and these terms and conditions is governed by the laws of England and Wales.
10. All disputes arising out of the use of the Website and/or any services or products provided by FairFX or any dispute relating to these terms and conditions shall be resolved by the Courts of England and Wales.
11. FairFX reserves the right to change these terms and conditions from time to time. You should check these terms and conditions every time you use the Website. By using the Website you will be treated as having consented to these terms and conditions and/or any revised terms and conditions which may appear from time to time.
Additional terms and conditions.
Provisions relating to placing of the order and when the contract between you and FairFX is formed.
1. Orders through the Website must only be placed by individuals over the age of 18.
2. On the Website FairFX makes available foreign currency for purchase in respect of holiday and business travel (but not for investment, speculation or any other purposes).
3. Please follow the steps on the screen in order to place an order. FairFX reserves the right to ask for further information in order to process your order.
4. FairFX will use various procedures to authenticate each transaction for the purposes of law and regulations including anti-money laundering regulations. FairFX reserves the right to decline to continue to process any part of your order at any time.
5. You will be able to correct the details of your order any time up until you press the "Buy Now" button which confirms order at the bottom of the payment details page. After that point you will no longer be able to correct details on your order, so please make sure they are correct at that time.
6. FairFX will send you an email acknowledgement of your order once it has received it but please note that this is an acknowledgement only and does not constitute acceptance of your order by FairFX.
7. Once you have placed your order for foreign currency on the Website by pressing the "Buy Now" button at the bottom of the payment details page this will authorise FairFX to action your order and you will not be allowed to cancel it subject to the cancellation policy set out in paragraph 8 below. Should you wish to make any amendments to your order after you have placed your order by pressing the "Buy Now" button at the bottom of the payment details page, FairFX will use its reasonable endeavors to accommodate your needs. If you wish to amend your order please send an e-mail to enquiries@fairfx . Any such amendments will be subject to the applicable foreign exchange rates as published on the Website by FairFX from time to time. If FairFX agree to amend you order you will receive an e-mail to confirm this. However FairFX is under no obligation to accept any such amendments to your order and FairFX accepts no liability or responsibility in the event that it decides not to do so.
8. You may cancel your order by providing FairFX with written notice of cancellation, by email to enquiries@fairfx, at least 7 days prior to delivery of your order. FairFX will have purchased your order at a foreign exchange rate. In the case of cancellation you will receive a refund at the foreign exchange rate prevailing at the time of cancellation of the order which may be different to the foreign exchange rate at the time of your order as exchange rates fluctuate.
9. All orders are subject to acceptance by FairFX and FairFX will confirm such acceptance to you by sending you an email that confirms that the order has been accepted. The contract between FairFX and you will only be formed once FairFX sends you the confirmation email that your order has been accepted. Until that time there will be no binding arrangement for FairFX to supply you with any foreign currency or other services. You should print and retain a copy of the confirmation email for your records.
10. FairFX is not obliged to accept any order and may decline to do so for any reason.
Price, Availability and Delivery.
11. Your foreign currency will be delivered at the time and made available in the manner set out on the confirmation email. In the event that you have arranged for your order to be delivered FairFX will use Royal Mail Next Working Day Delivery. FairFX accepts responsibility for your order up to the point of collection by Royal Mail. Problems at Royal Mail such as service disruptions, delays or failure to deliver are therefore outside the control of FairFX.
Maximum value per delivery package is £2500 - anything over this amount will be delivered over multiple deliveries Maximum of 3 packages delivered in a day to a total maximum of £7500 per day For orders that exceed the £7500 limit, subsequent delivery/deliveries will be made the next working day (max £2500 value per package applies) The maximum order value of £7500 also applies to Saturday deliveries.
Upon delivery, please ensure that the package is not torn, has not been opened and does not appear to have been tampered with before signing. If you are not happy with the condition of the package do not accept it or sign for it and inform us immediately of any problems.
If your delivery does not arrive please inform FairFX immediately. Upon being made aware of any problems regarding deliveries, FairFX will then liaise with Royal Mail on your behalf and keep you informed as to the reason for the problems and the steps being taken to resolve the issue.
12. The price payable for the foreign currency that you order will be as shown on the confirmation screen and is only valid for a short period of time as Foreign exchange rates continually fluctuate. If you do not submit your order immediately you enter the confirmation screen the price many change and you will need to enter the screen again to see the updated price.
13. FairFX have the right to revise and amend these terms and conditions from time to time. You will be subject to the terms and conditions in force at the time you place an order with FairFX. By placing an order you agree to the terms and conditions in force at the time the order is made.
14. FairFX is entitled to refuse, withdraw or cancel your foreign currency order at anytime, for any reason. FairFX may terminate any foreign currency order at any time.
15. Should any order be cancelled before being processed, your card issuer may suspend the associated funds for up to 5-7 days, before releasing them back into your account. Please be advised that this is beyond FairFX's control. As such, FairFX accepts no liability for such actions. Please note that FairFX does not refund cash advance charges made by your card issuer and that the late cancellation fee may also be subject to a cash advance fee from your card issuer.
FairFX may also terminate any contract it has with you if it is required to do so on instructions of any law enforcement agency or regulatory body. In this case FairFX may retain all or any of your money if it is required to do so by law and then deal with it as ordered by a court or other body of competent jurisdiction.
Anti-money laundering policies.
As a Money Services Business (MSB), FairFX is registered with and regulated by HM Customs & Excise under Money Laundering Regulations. Our staff are fully conversant with Anti-Money Laundering guidelines and are aware of their responsibilities in the monitoring and reporting of any actions that raise suspicion or give cause for concern.
FairFX reserves the right to perform identity checks in accordance with the Terms and Conditions on all individuals who place an order on the website. For further information on these identity checks please contact enquiries@fairfx.
FairFX reserves the right at all times to refuse to process any foreign currency order which it believes in its sole discretion, is connected in any manner to any unlawful or illegal purpose. We have a legal obligation to report to Customs and Excise / NCIS any such suspicious transactions.
FairFX is obliged by law to monitor any unusual or suspicious transactions of any size taking place where we have reasons to believe the money is derived from unlawful or illegal activity.
There is a statutory obligation on all FairFX employees and their agents to report suspicious transactions to the UK authorities. Where any such report is made, FairFX accepts no liability for any delay in transmission of or confiscation of the funds.
FairFX Prepaid Mastercard® Card Terms & Condições.
These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised user of the Prepaid Card. "We", "us" or "our" means Wirecard Card Solutions Ltd or Payment Cloud Technologies acting on its behalf. "Website" means our website at fairfx.
1. Your FairFX Prepaid Mastercard Card.
You can use the Prepaid Card / E-Money Account at any location that displays the Mastercard Acceptance Mark, including shops, restaurants, online, or on the telephone. You can also use your Prepaid Card overseas. Before using the Prepaid Card you need to make sure there are enough funds loaded on it. You will not be able and should not attempt to use your Prepaid Card after its expiry date. On expiry of your Prepaid Card, you will have the option of renewing the card for a further three years via our website. If you renew, your balance will be transferred to the new card.
Your Prepaid Card is not a credit card and can only be connected to your bank account for the purposes of loading the card. You will not earn any interest on any funds loaded on your Prepaid Card.
Where you have requested Additional Prepaid Cardholders, you authorise us to issue Prepaid Cards and a PIN to the Additional Prepaid Cardholders and you authorise each Additional Prepaid Cardholders to authorise transactions on your behalf.
2. Dollar Card Insurance Benefits.
All cardholders who order a card from 27/06/16, and have a FairFX Dollar Card starting with 5223 24 will automatically be eligible to receive additional insurance benefits as detailed in this Consumer Terms document.
These benefits will apply automatically, and you do not need to contact us to confirm that you wish to accept the agreement.
This policy can be used as your sole insurance cover. If you’re happy with the level of cover described here being equivalent to your usual level of cover, you do not need to take out any other insurance policy. Your personal details will not be shared with AXA (the company providing the insurance cover on behalf of FairFX) until a claim is made. If you do not want to use the insurance cover that is automatically applied when you order your FairFX Dollar card, you should buy insurance cover from your chosen provider instead. The full policy details are covered in the Consumer Terms Agreement, but a summary of the policy is as follows: The duration of any trip may not exceed 30 consecutive days with a maximum 183 travel days in any 12 month period. Please note if your trip is longer than the maximum duration, benefits will not apply to any part of that trip The policy covers you/your/beneficiary(ies) – the Cardholder and his/her spouse or legal partner (any couple in a common law relationship living permanently at the same address), their unmarried children, aged under 21 who are financially dependent (according to the regulations of the country of residence) on the Cardholder, all living in the country of residence and travelling on a trip The amount payable is a fixed amount, regardless of the number of beneficiaries Trips using one way or one way open tickets are not covered unless the outbound and inbound travel tickets have been purchased before the trip begins. Any trip solely within the country of residence is only covered where you are travelling at least 100 kilometres from home and have pre - booked at least two nights’ stay at a registered accommodation provider rented for a fee. If you have any questions about the level of cover prior to travelling, please call us on +44 (0) 1753 778619, where a member of the Travel Card Team will take your details and will transfer you to a member of the AXA insurance department. In the event you have to make a claim, You should call us on +44 (0) 1753 778619. You will need to give: your name your covered card number brief details of your claim. We ask that you notify us within 28 days of you becoming aware of needing to make a claim.
3. Applying for and activating your Prepaid Card.
To apply for our Prepaid Card you must be at least 18 years old and a UK resident. We will require evidence of who you are and your address. We may ask you to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.
You must sign the signature strip on the back of the Prepaid Card as soon as it is received. Please refer to our Website (fairfx) for all Prepaid Card loading options, or refer to the "Loading your Prepaid Card" section below.
By using the Prepaid Card you are agreeing to these terms and conditions.
4. Loading your Prepaid Card.
Funds can be loaded to your Prepaid Card in a number of ways: Internet top up and top ups from your bank account - Simply follow the instructions at the Website.
Minimum single load is £50, €60 or $75, and maximum is £5,000.00, €7,500.00 or $10,000.00. Your Prepaid Card cannot be loaded more than twice in any one day. The balance on your Prepaid Card can never exceed £20,000.00, €30,000.00 or $40,000.00 at any time. We reserve the right to refuse to accept any particular loading transaction.
If loaded on-line funds will normally be available for use on the Mastercard Prepaid Card within a few hours. The Financial Services Compensation Scheme does not apply to your Mastercard Prepaid Card, however in the unlikely event that WDCS becomes insolvent, funds that you have loaded are protected against claims made by creditors.
5. Using your Prepaid Card.
Detailed instructions on how to use your Prepaid Card are found on the Website. You will need to follow these instructions when using your Prepaid Card.
We will deduct the value of your transactions from the balance on your Prepaid Card. We will also deduct any applicable fees as soon as they become payable by you, see our Fees section below for details of our fees.
The Prepaid Card belongs to us. We may ask you to stop using your Prepaid Card and return it to us or destroy it. We may at anytime suspend, restrict or cancel your Prepaid Card or refuse to issue or replace a Prepaid Card for reasons relating to the following:
We are concerned about security of your account or Prepaid Cards we have issued to you We suspect your account is being used in an unauthorised or fraudulent manner or we need to do so to comply with the law.
If we do this, we will tell you as soon as we can or are permitted to do so after we have taken these steps.
If we are concerned about security of your Prepaid Card or we suspect your Prepaid Card is being used in an unauthorised or fraudulent manner If sufficient funds are not loaded on your Prepaid Card at the time of a transaction to cover the amount of the transaction and any applicable fees If there is an outstanding Shortfall on the Prepaid Card in accordance with condition 12 If we have reasonable grounds to believe that you are acting in breach of this agreement If we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.
If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by emailing us on enquiries@fairfx.
6. Authorising Transactions.
Subject to the features of the particular Prepaid Card, the authorisation of a transaction can include authorising any single transaction, a series or recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions of a certain or uncertain amount a Prepaid Card transaction will be regarded as authorised by you where you:
Authorise the transaction at the point of sale by following the instructions provided by the merchant or retailer to authorise the transaction, which may include: Entering your PIN or providing any other security code Signing a sales voucher Providing the Prepaid Card details and/ or providing any other details as requested Waving/Swiping the Prepaid Card over a card reader or inserting your prepaid card into a card reading device for the purpose of making a payment Insert a Prepaid Card and enter your PIN to request a cash withdrawal at an ATM Make a request for a cash advance at any bank counter.
Authorisation for a transaction may not be withdrawn (or revoked) by you after the time it is received. However, the following transactions may be withdrawn if you or an additional Prepaid Cardholder gives notice to the supplier (providing a copy of the notice to us):
Any transaction which is agreed to take place on a date later than the date is was authorised as long as notice was provided no later than the close of business on the business day before it was due to take place Direct debits if they are to occur after the date of the withdrawal.
We may charge you a fee if a transaction is revoked by you under this condition.
Funds to cover the authorised transactions received by us will be paid over to the merchant acquirer within 3 days following the receipt by us of the instruction to make payment. A transaction (the payment order) will be received as follows:
For purchases and ATM transactions, at the time we receive the transaction instruction from the merchant acquirer or ATM operator If, in relation to: Purchases and ATM transactions, we receive the transaction instruction from the merchant acquirer or ATM operator or Other transactions communicated directly to us, you ask us to complete the transaction after 3pm, the transaction instruction or request will be deemed to have been received by us on the following business day.
7. Cancellation and expiry of your Prepaid Card.
This agreement will continue indefinitely unless terminated. You have a legal right to cancel your Prepaid Card up to 14 days after you receive the Prepaid Card without being charged the Refund Fee - this 14 day period is known as the "Cooling-Off Period". Under these terms and conditions, you also have the right to cancel your Prepaid Card at any time after the 14 day Cooling-Off Period without notice and any funds remaining on your Prepaid Card will be returned to you within 5 days subject to satisfactory checks being completed. Whenever foreign currency is unloaded/removed from the Prepaid card before during or after the 14 day cooling off period, it will be exchanged at the current buyback rate - not the rate at which the currency was initially loaded.
We may also cancel your agreement for any reason by giving you at least 2 month's notice:
If this agreement or your card expires on a set date and we have not agreed to renew this Agreement If you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner If you act in a manner that is threatening or abusive to our staff, or any or our representatives If you fail to pay fees or charges that you have incurred or fail to put right any shortfall In the event of your death.
We may also cancel this agreement or suspend your card or account immediately if we believe your Prepaid Card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this we will tell you as soon as we are permitted to do so.
If we cancel your Prepaid Card you must tell us what you want us to do with any unused funds within 3 months of the date we tell you your Prepaid Card is cancelled. We can return the funds to the loading source, to a bank account in the same name as the prepaid card account for your refund. Please note we will need to verify your identity in order to satisfy Anti Money Laundering requirements. If we receive no contact within three months, the funds will be returned to the loading source.
You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the Prepaid Card before the Prepaid Card is cancelled or expires. You can cancel your Prepaid Card by sending an email to us using the "contact us" function on the Website, and confirming that you have destroyed your Prepaid Card.
If you cancel your Prepaid Card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you, see "Your Right to a Refund" section below for further information. A Refund Fee may be charged (see Fees section below) unless you have arranged to transfer any unused funds to another Prepaid Card managed by us, or you cancel your Prepaid Card within 14 days of receiving it.
Your Prepaid Card will be valid for 3 years. You may apply, on our website, for a renewal up to 2 months before expiry of the Prepaid Card. This renewal will run for a further three years and your balance will be transferred to the new card.
Valid cards can be renewed free of charge. If your card expired and it has a leftover balance then an administration fee of £2/$3/€2.50 per month will be applied.
8. Keeping your Prepaid Card secure.
You should treat your Prepaid Card like cash. If it is lost or stolen, you may lose some or all of your money on your Prepaid Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Prepaid Card safe and not let anyone else use it. If you are issued with a PIN, you must immediately memorise it and destroy the notification. You must keep your PIN secret at all times. You can change you PIN to something more memorable at most ATM machines by following the on screen instructions.
We recommend that you check the balance on your Prepaid Card regularly online at the Website. We will provide you with your Prepaid Card balance and a statement of recent transactions either by electronic means or on our secure webpage at any time. Your statement will show:
Information relating to each Prepaid Card transaction which will enable it to be identified The amount of the Prepaid Card transaction shown in the currency in which the transaction was paid or debited to the account The amount of charges for the transaction The date the transaction is authorised or posted on to the account.
9. Lost and stolen Prepaid Card and unauthorised or incorrectly executed payments.
You must tell us without undue delay by calling us on our 24 hour lost and stolen card helpline 01753 775961 if you know or suspect that a Prepaid Card is lost or stolen or that the PIN or password is known to an unauthorised person or if you think a transaction has been incorrectly executed. If you ask us to do so, we will investigate any disputed transaction or misuse of your Prepaid Card and we may need more information and assistance from you.
We will refund any incorrectly executed transaction immediately unless we have any reason to believe that the incident has been caused by a breach of this agreement, gross negligence or we have reasonable grounds to suspect fraudulent activity.
However, if the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your Prepaid Card or PIN secure), we will not refund the transaction amount and will charge you a fee of up to £50 for any loss we suffer because of the use of the Prepaid Card.
10. Our liability.
We will not be liable for any loss arising from:
Any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite all our efforts to the contrary A retailer refusing to accept your Prepaid Card Our compliance with legal and regulatory requirements Loss or corruption of data unless caused by our wilful default.
We are also not liable for:
Business interruption, loss of revenue, goodwill, opportunity or anticipated savings Any indirect or consequential loss.
We reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Prepaid Card and to recover any monies owed as a result of your activities.
11. Your Right to a Refund.
The Funds on your Prepaid Card.
You may request a refund of the funds on your Prepaid Card provided you have more than €10 or the GBP equivalent loaded on your Prepaid Card. To do so, send us an e-mail using the "contact us" facility on the Website requesting a refund. We will then confirm the exchange rate we will use for the refund by email and arrange to have the money returned to you. We encourage you to keep the card, which is valid for three years, and use it on your next trip. When we process your refund, we may charge a Refund Fee (see Fees section below).
We will arrange an electronic transfer to a bank account nominated by you. However, to enable us to comply with our legal obligations, we may ask you to provide us with certain information before we can process your refund request.
You may be entitled to claim a refund in relation to transactions where:
The transactions was not authorised under this agreement We are responsible for a transaction which was incorrectly executed notified us in accordance with section 8 above A pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you or an additional Prepaid Cardholder could reasonably have expected taking into account normal spending patters on the Prepaid Card or the circumstances of the transaction A claim for a refund in the circumstances set out above will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or it is made more than 8 weeks after being debited to your account We were notified of the unauthorized/incorrectly executed transaction within 13 months of the debit date.
12. Changes to these Terms.
We may change these terms at any time by notifying you by e-mail or other agreed means at least 2 months before the change is due to take effect. The up-to-date version of the Prepaid Card terms and conditions will always be available on the Website. The change will automatically take effect and you will be taken to have accepted the notified change unless you tell us that you do not agree to the change. In that event, we will treat that notice as notification that you wish immediately to terminate. In such circumstances we will refund any balance on the card in accordance with section 10 above.
We may make immediate changes to the exchange rate used to convert foreign transactions into Sterling. For all transactions made in a foreign currency you can find out what the applicable exchange rate was at the time of the transaction by contacting our Customer Services Team.
13. Fees and Usage Restrictions.
We do not charge any fees for checking your on-line balance and transactions. However the following fees do apply.
€2.50 for the Euro card $3.00 for the US Dollar card £2.00 for the Everywhere card Applied per month on expired cards with leftover balances.
Everywhere Sterling Card - 1.4% of transaction value US Dollar Card - 1.75% when spending out of currency* Euro Card - 1.75% when spending out of currency*
Everywhere Sterling Card - 1.4% of transaction value US Dollar Card - Free when spending in currency and 1.75% when spending out of currency* Euro Card - Free when spending in currency and 1.75% when spending out of currency*
€1.50 for the Euro card $2.00 for the US Dollar card £1 for the Everywhere Sterling card.
Please note that some ATMs may apply an additional surcharge.
€5 for the Euro card $5 for the US Dollar card £5 for the Everywhere card.
If you have expressed that your Prepaid Card will be used for business and personal spending then you will have been issued with a card number that begins with 5116. If your Prepaid Card number begins with 5116, the following ATM Transaction Fee and UK Point Of Sale Transaction Fee will be applicable instead of what is outlined above. All other Prepaid Card fees are applied as normal.
Euro card - €0.75 US Dollar card - $1 Everywhere Sterling Card - £0.50 (an additional 1.4% transactional fee will also apply on transactions abroad)
Everywhere Sterling Card - Free US Dollar Card - 1.75% when spending out of currency* Euro Card - 1.75% when spending out of currency*
* A 1.75% out of currency fee is charged when you use the card in a different currency to what is held on the card (including ATM withdrawals).
When you use your Prepaid Card at an ATM, you may also be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association.
If we decide to increase or impose any new fees, we will tell you by e-mail, text, or post, at least two months before any changes take effect. Authorisation will be requested for all transactions at the time of each transaction. In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the Prepaid Card for that transaction (a "Shortfall"), the Shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the Prepaid Card was presented, in this circumstance we may seek the Shortfall from the retailer.
You agree that once we make this Shortfall known to you, we may charge you for the Shortfall amount. We may charge the amount of the shortfall from any other Prepaid Cards that you hold with us, to any other payment method which you may designate at that time, or against any funds which you may subsequently load onto your Prepaid Card or on any additional Prepaid Card ordered by you. Until we are reimbursed the Shortfall amount, we may suspend your Prepaid Card and any additional Prepaid Cards connected to you. In addition, we reserve the right to charge you an Administration Fee for each transaction that you make using your Prepaid Card that results in a Shortfall or increases the Shortfall amount on your Prepaid Card.
14. Your Details.
You must let us know as soon as possible if you change name, address, phone number or e-mail address. If we contact you in relation to your Prepaid Card, for example, to notify you that we have cancelled your Prepaid Card, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.
15. Data Protection.
In purchasing the Prepaid Card on the Website and using it, you agree that we can use your personal information in accordance with our Privacy Policy. Our Privacy Policy is set out on our Website, it includes details of the personal information that we collect, how it will be used, and who we pass it to. You can tell us if you don't want to receive any marketing materials from us.
16. Disputes with Retailers.
If you have any disputes about purchases made using your Prepaid Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Prepaid Card. Remember that once you have used your Prepaid Card to make a purchase we cannot stop that transaction.
17. Communication.
If you have an enquiry relating to your Prepaid Card, you can email enquiries@fairfx or telephone 0871 911 0007 (use 01753 778619 when calling from abroad). We will deal with your enquiry promptly.
18. Complaints.
The Prepaid Card programme is managed by Prepaid Card Technology. If you are unhappy in any way with your Prepaid Card or the way it is managed, tell us by using the e-mail enquiry facility on the Website so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: 0800 023 4567 or 0300 123 9123 and e-mail: enquiries@financial-ombudsman. uk.
19. Compensation.
The Prepaid Card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. However, in the unlikely event that WDCS becomes insolvent, funds that you have loaded are protected against claims made by creditors.
20. Assignment.
We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you 2 month's prior notice of this. If we do this, your rights will not be affected.
21. Transfer to a new Prepaid Card.
We may transfer your unused balance to a new Prepaid Card provided by a Prepaid Card issuer other than Wirecard Card Solutions Ltd at any time. Before we do this, we will give you 2 month's notice of the new Prepaid Card arrangements and the new Prepaid Card terms and conditions. Unless you advise us within the 2 month period that you do not want a new Prepaid Card from the new Prepaid Card issuer, you agree that we can automatically transfer the unused balance on your Prepaid Card to a new Prepaid Card provided by the new Prepaid Card issuer.
22. Governing Law.
This Agreement is concluded in English. All communications with you will be in English. These terms and conditions will be construed in accordance with English law.
23. Fund Protection.
As a responsible e-money issuer, Wirecard Card Solutions Ltd ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Prepaid Card. In the unlikely event that Wirecard Card Solutions Ltd becomes insolvent, funds that you have loaded, which have arrived with and been deposited by Wirecard Card Solutions Ltd, are protected against the claims made by creditors.
24. Prepaid Card Issuer.
Your Prepaid Card is issued by Wirecard Card Solutions Ltd (WDCS) whose principal office is Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1 6JQ, which is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) as an issuer of e-money. Your Prepaid Card is the property of Wirecard Card Solutions Ltd and is not transferable to anyone else.
25. Commission charges in the United States.
If you use your card in restaurants and bars in the USA, you will see a separate transaction described as ‘Commission’ on your statement. The value of the commission transaction will be for 15% of your authorised transaction amount. It is commonplace for restaurants and bars in the USA to authorise transactions on the payment card before customers have had the chance to add a tip to their bill. For transactions from restaurants and bars FairFX places a ‘hold’ of 15% of the authorised amount on your card until the final amount is confirmed by the merchant. Until the final amount is confirmed, a ‘commission’ amount will show on your statement to ensure sufficient funds are available on your card should a tip be charged. If the tip is not going through the card payment, then the ‘commission’ amount will be released as available funds to spend as soon as the Merchant confirms the transaction amount. Merchants typically finalise payments within three days but it can take longer and is controlled by the merchant. Merchants can only add tips to your card if you’ve agreed to it. During the hold period, you will not have access to the preauthorised amount.
FairPay Price Guarantee Terms & Condições.
After you have completed a FairPay transaction with FairFX, if you find a better rate from any other provider in the UK, notify us within 24 hours of transacting with us and we'll refund the difference between the FairPay online rate and the alternative rate you found elsewhere. This will only be in relation to the amount you have already transacted through FairPay.
1. The FairPay Price Guarantee only applies to rates offered through the online FairPay platform at fairfx/fairpay. Services we offer either in conjunction with any of our partner companies (including those hosted through fairfx or fairfx) or for reloading a FairFX Prepaid Mastercard® Card or for home delivery of cash are excluded from the FairPay Price Guarantee.
2. Our commitment only applies to the currencies listed as Payment Currencies on FairPay (fairfx/fairpay) on the "trade date" you executed a transaction with us on FairPay. The trade date is the date you entered into your legally binding contract with FairFX Plc on the FairPay platform.
3. Foreign Exchange markets are volatile and rates can change quickly. The rate guarantee will only apply if you can demonstrate that you obtained a better quote online from an automated platform (and not over the phone) from another provider within 30 minutes of the time of executing your FairPay transaction on the same trade date.
4. The quotation from the other provider to which your FairPay transaction is being compared must be from a foreign currency retailer based in the UK who makes international transfers in the normal course of business and must be available to a UK resident retail customer.
5. The quotation from the other provider to which your FairPay transaction is being compared must be from a foreign currency retailer acting as a Principal to the transaction and not an exchange rate from a peer-to-peer platform.
6. The quotation from the other foreign currency retailer to which your FairPay transaction is being compared must be for the same transaction value as your completed FairPay transaction and for the same transaction terms including value date and must be for deliverable FX.
7. The price compared will be the total price (including overseas transfer fees or charges, commission, and FX margins) charged by the other provider to which the FairPay rate is being compared, on the same trade date you used FairPay. The prices compared must be genuine like-for-like buy rate and sell rate prices offered to the general public in the normal course of business and not "interbank rates"* or prices only available to staff, club members or other selected groups or individuals, or any limited time special offers.
8. The guarantee only applies to FairPay transactions paid for by Bank Transfer or Debit Card and does not include transactions paid for by Credit Card.
9. The guarantee is only effective for FairFX customers who have executed a FairPay transaction with FairFX and have completed the transaction by paying FairFX and the final foreign currency delivery has been completed.
*Interbank rates are considered rates that are indicative of the market and shown on various market and competitor websites which are not actually available for buying or selling but are based on the mid-point of buy and sell rates for large transactions in international foreign exchange markets.
The verification process.
10. We offer our FairPay Price Guarantee wherever we can verify, to our reasonable satisfaction, the alternative online price that you have been offered. Therefore, please email the following information to priceguarantee@fairfx in order to claim your refund of any difference versus the FairPay transaction performed with FairFX.
Your FairPay Order Reference Number and your personal contact details; The details of the alternative money transfer service, including: Business name; the exact website address you obtained the quote from Confirmation of the total price and currency offered to you by that provider (including commission, FX margin and fees) and confirmation of the times and dates you obtained the alternative quote. A time and date stamped screen shot of the quote may suffice. As this guarantee only applies to online platforms, an e-mail from a Broker is not acceptable confirmation.
Time limits.
11. Given that the Foreign Exchange markets move so quickly, our commitment only applies if you are able to demonstrate that you have obtained an online quote from another provider within 30 minutes of the FairPay transaction executed with FairFX.
12. The FairPay Price Guarantee only applies to transactions carried out on UK Business days between 09.00 and 17.30 UK time.
Other Terms.
13. In exceptional market conditions, FairFX reserves the right to amend the rate comparison terms and conditions.
14. In order to provide you with and refund or to discuss your refund request with you we will also require you name, address and telephone number. FairFX will not share your personal information with third parties. Please click here (fairfx/privacy) for more information on our Privacy Policy.
15. The FairPay Price Guarantee commitment to refund any difference will not apply if you have not paid us in full for the FairPay transaction that is being compared.
16. The FairPay Price Guarantee shall not apply in the unlikely event of FairFX quoting a rate that is manifestly in error (for instance a rate of Interbank or better on any currency or transposing a US dollar rate for a Euro rate)
17. The FairPay Price Guarantee is only applicable to UK resident customers.
18. FairFX may, at any time, withdraw this commitment in respect of transfers that have not already been made, without notice.
19. This commitment is made by FairFX Plc., 3rd Floor Vintners' Place, 68 Upper Thames Street, London EC4V 3BJ. UK Company registration number 05539698 and Money Service Business registration number 12236741.
20. The FairPay Price Guarantee is capped at the prevailing Interbank rate at the time of the FairPay transaction. The maximum rate differential that this guarantee will cover is the spread between the FairPay rate and the Interbank rate at the precise moment of the completion of the FairPay transaction.
21. The FairPay Price Guarantee refund is payable up to a maximum of £250 on a single transaction. Each customer is limited to one successful claim under this Guarantee in each calendar year.
22. The guarantee does not apply to variations in FairFX’s own rates as these are changed to reflect market movements.
FairPay Online Price Guarantee Terms and Conditions last updated on 16 October 2013.
International Payments Terms & Condições.
1. Scope of this Agreement.
We will deal with you on:
these Terms of Business; any additional terms and conditions issued by us, together referred to as this 'Agreement'. These Terms are the only ones on which we will deal with you & govern the conduct of the parties in relation to any Order you may place to the exclusion of all other terms and conditions.
2. Instructions.
You may give us instructions electronically or in writing. The only persons authorised to give us instructions is yourself. In entering into this Agreement, you warrant and understand that:
late arrival of funds may result in delays in delivery of foreign currency We act only as an introducing broker and are not providing you with any advice regarding your decisions to buy or sell foreign currency. We will only accept payments from client authorised and duly approved bank accounts.
3. The Services.
3.1 We will provide facilities for you to buy and sell currency.
3.2 Once a Contract has been entered into, and whether or not a Contract Note has been issued, it cannot be altered, cancelled or rescinded.
3.3 When making an Order or entering into any Contract you rely solely on your own judgement. If we provide you with information concerning any matter including (without limit) the foreign exchange markets, it is on a voluntary basis and we do not accept responsibility for the accuracy or completeness of such information or assume any duty of care in relation to it. We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.
3.4 We may at our absolute discretion refuse any Order without giving any reason and without liability for any loss or damage incurred by you or any other party.
3.5 We will not transfer to you any funds representing the benefit of any fluctuation in currency arising after a Contract has been entered into .
3.6 We may request from you, from time to time, and you will provide any information regarding you and your business and financial affairs, status and corporate identity including, without limitation, any information required for compliance with legislation governing money laundering or other matters.
3.7 You are responsible for ensuring the accuracy of all information submitted to us by you and must not withhold or omit any information that would render those details false or inaccurate. You will notify us immediately if you become aware of any error or omission.
4. Delivery and Payments.
4.1 In the event of a Spot Trade, you will pay the Sale Currency in full into the Client Nominated Account for value no later than the close of business the following business day.
4.2 FairFX will allow you to hold funds on account for the express purpose of onward delivery to a beneficiary of your discretion at a later date. You are not getting interest or any other financial gain from holding said funds with FairFX.
4.3 Should funds be held with FairFX all due care and control will be placed on said funds as required under law for their protection (e-money regs.) Such funds may only be utilised through FairFX products and services.
4.4 FairFX accepts no responsibility in the event that the client sends currency to the incorrect client segregated designated currency account.
4.5 All payments made by you under this Agreement shall be free from and without setoff, withholding, counterclaim or deduction whatsoever. We shall make all payments due to you under this Agreement in full unless required by law to make deductions including, without limitation, deductions or withholdings in respect of any taxation liabilities.
4.6 Banks have specified cut off times for the receipt and dispatch of electronic payments. We accept no responsibility for any consequence attributable to the arrival of funds or instruction of payment after the relevant cut off times.
4.7 All funds provided by you under a Contract (whether as security or otherwise) may be appropriated by us if we incur any liability in respect of any Trade or in the event that you are unable to pay sums due to us or breach of this Agreement.
4.8 FairFX may, at its discretion, make payments to third party introducers.
5. Default and Termination.
5.1 We may close out all or part of any Trade from the market and/or terminate this Agreement without notice if:
5.1.1 you fail to make any payment for a Service when due in accordance with this Agreement;
5.1.2 you are in material breach of this Agreement or fail to comply with your obligations in respect of a Money Transfer order;
5.1.3 you are in breach of any relevant statute, regulation or regulatory regime;
5.1.4 it becomes unlawful for us to perform this Agreement;
5.1.5 any of the events specified above or anything analogous to them occurs under the laws of any applicable jurisdiction.
5.2 If you become aware of the occurrence of any event referred to in this Clause 5, you must give us immediate written notice.
6. Limitation of Liability.
6.1 The following provisions set out our entire liability to you for any losses, costs (including legal costs), damages, expenses, taxes, charges or any other liability whatsoever ('Claim') except for death or personal injury caused by our negligence or the negligence of those for whom we are legally responsible that causes death or personal injury or for our fraudulent misrepresentation.
6.2 The limitation and exclusion of liability is set on the basis that you are aware of the volatility of the foreign currency market.
6.3 We are not liable for any Claim that arises as a result of currency fluctuation between the Order Confirmation and the Value Date, or as a result of your non-compliance with the terms of this Agreement or caused by the failure or delay of any third party in the transmission, provision or delivery of any Service.
6.4 We are not liable for indirect loss, or for loss of profits, management time, contracts, goodwill, anticipated savings, even if such loss was reasonably foreseeable.
6.5 Subject to provisions of this Condition 6, our total aggregate liability to you for any Claim will not exceed the total Sale Currency paid by you in respect of the Order giving rise to the Claim. Where no Order is placed, our liability is nil.
6.6 You will indemnify and keep us indemnified against all losses (including legal costs on a solicitor and own client basis) and liabilities incurred by us in the proper performance of services for you or in the enforcement of our rights hereunder and, in particular, losses and liabilities incurred as a result of:
6.6.1 any default in payment by you of any sum due under a Contract or any other breach of this Agreement;
6.6.2 our carrying out your instructions: or.
6.6.3 our exercising our rights under Clause 5.1, but in such event we will have the right, as an alternative to our right to an indemnity, to set-off against any monies held by us on your account any amounts owed by you to us.
7.1 Nothing in this Agreement confers any benefit or any right to enforce this Agreement on any third party.
7.2 Nothing in this Agreement is intended to create a partnership, joint venture or agency relationship between the parties.
7.3 Clauses 6 and 7 will survive termination of any Order or termination of this Agreement.
7.4 These Conditions constitute the entire agreement and understanding of us and you and supersede all oral communications and prior writing relating to it.
7.5 We may amend these Conditions by notice in writing to us at any time and such amendment will be binding from the date of such notice. Any such amendment will not be retrospective or affect any rights or obligations that may already exist in respect of any Order.
7.6 Should any part of this Agreement be found by a court of law to be unenforceable or illegal, the remaining terms will continue in full force and effect.
7.7 You may not assign or transfer your rights or obligations under this Agreement without our express written consent. We may assign, transfer and/or novate our rights and obligations under the Agreement to any third party.
7.8 Any failure by either party to exercise and any delay, forbearance or indulgence by any party in exercising any right, power or remedy under this agreement will not operate as a waiver of that right, power or remedy or preclude its exercise at any subsequent time.
7.9 Other than an obligation to make payment, a party shall not be liable to the other for failure to perform its obligations under this Agreement or any Order if that failure was caused by events beyond its reasonable control. These events include, but are not limited to fire, flood, failure of third party systems, terrorist attack and war.
7.10 These Conditions will be governed and construed in accordance with English Law and the parties submit to the non-exclusive jurisdiction of the English Courts.
8. Warranties and representations.
You warrant and represent to us on a continuing basis that:
8.1 all information that you supply to us is complete, true, accurate and not misleading in any material respect;
8.2 you are acting as principal and not as another party's agent or representative;
8.3 you are not prevented by any legal disability or subject to any law or regulation that from performing this Agreement and any related transactions contemplated by it.
8.4 you comply with all relevant laws, regulations, exchange requirements and registration requirements;
8.5 all Orders are placed in the course of your usual trade or business and will be for your personal requirements and not for investment or speculation.
8.6 you will take risk in and ownership of the purchased currency upon payment of the full amount of the sold currency as directed by on your instructions contained in the relevant order.
9. Tape recording of conversations and record keeping.
You agree that we may:
uma. record telephone conversations between you and us; e.
b. use such recordings, or transcripts from such recordings, as evidence in any dispute or anticipated dispute.
10. Data protection.
In entering into this Agreement you will be providing us with personal information within the meaning of the Data Protection Act 1998. You consent to us processing all such information for the purposes of performing this Agreement and also for the purposes of administering the relationship between you and us, We may use and/or disclose such information to any of our Associates for sales and marketing purposes unless you notify your objection to this in writing.
FairFX Cookie Policy.
At FairFX we use a number of cookies on our sites. We use cookies to enable us to provide visitors with the best customer experience possible while navigating our sites; by using our site visitors implicitly agree to our use of cookies. For more detailed information please check our cookie policy.
Links Úteis.
Inscreva-se nos alertas de taxa.
Baixe nossa aplicação.
Let's Socialise.
&cópia de; 2007-2018, FairFX Plc. Registrado na Inglaterra e País de Gales: 05539698.
Mastercard é uma marca registrada e o design de círculos é uma marca comercial da Mastercard International Incorporated. O cartão é emitido pela Wirecard Card Solutions Ltd ("WDCS"), de acordo com a licença da Mastercard International Inc. A WDCS está autorizada pela Financial Conduct Authority a realizar atividades de serviços de dinheiro eletrônico sob os Regulamentos de Dinheiro Eletrônico 2011 (Ref: 900051)

Additional terms for fx transactions and currency options

PLATFORM HELPS YOU TRADE.
MAKE BETTER INFORMED DECISIONS,
UTILIZE CUTTING EDGE TRADING AIDS.
Trade with our.
SOCIAL TRADING platform and follow other traders.
Personal aCCOUNT MANAGER.
OUT TRADERS ENJOY UNIQUE SUPPORT, ONE OF OUR EXPERTS ASSIGNED TO ASSIST YOU!
sAFETY nET.
eNABELING ZERO RISK !
FOR 14 DAYS WE’LL COVER ANY LOSSES, AWARDING YOU ALL PROFITS!
fAST wITHDRAWAL.
Cash-In Anytime, Simple,
Quick, No Hassle.
24/7 support.
We're Here to help you make the best of trading with us.
Another big plus is our.
SOCIAL TRADING platform With the fellow traders.
Learn from and share experiences with fellow.
traders from across the globe.
AVISO DE RISCO: CFDs são produtos alavancados que incorrem em um alto nível de risco e podem resultar na perda de todo seu capital e, portanto, não podem ser adequados para todos os investidores. Você não deve arriscar mais do que está preparado para perder e antes de decidir negociar, assegure-se de compreender os riscos envolvidos, considerar o nível de sua experiência e procurar conselhos independentes, se necessário. Nós estritamente não fornecemos conselhos de investimento. Para ler nossa declaração de divulgação de risco total, clique aqui.
ECN Capital is a company incorporated in Moslok Ltd, registered at Spyrou Kypianou, 57, M. FRANGOS COURT, 3rd floor, 6051, Larnaca, Cyprus.
CLIENT AGREEMENT.
1.1 ECN Capital Global Ltd. is a Company that was incorporated in Trust CompanyComplex, Ajeltake Road, Ajeltake Island, Majuro, Marshall Islands MH96960. Theterms of this Agreement , along with the Company's Risk Disclosure Document (the" Agreement "), shall govern over the relations between the Client and the Companywith respect to the execution of foreign exchange, shares, indices and other financialinstruments rates (" Forex Trading "), through the Company's Trading Platform suppliedto the Client by the Company (the: " Trading Platform ") and any other service providedby the Company to the Client (the "Company's Services").
1.2 The Company shall set rules and instructions relating to the Client's account and tradingconditions in the account, including, without limitation, regarding minimum accountsize, minimum account activity, fees, bonus terms, leverage limitations, rules relatingmargin requirements, and the Company shall be entitled to change the said rules andinstructions from time to time.
2.1 The Company will open a Trading Account (the " Trading Account ") for and on theClient's name, subject to the registration of the Client with the Company according tothe Company's requirements, including providing complete and accurate Clientinformation as required for the opening of the Account, and by presenting identificationdocuments including a copy of an identification certificate, passport, a copy of creditcard from both its sides, in case the deposit was made by credit card (Client may hidethe credit card number except for the last four digits, and may also hide the CVV code, at the back of the card), and a valid (recent three months) proof of address, by presentinga government vendor or other utility bill (water, city tax, electricity, 'etc.). The Clientauthorizes the Company to rely and act according to any request, guideline or othermessage appeared to be from the Client, without further examination by the Companyas to the authenticity, veracity, or the identity of the person who delivers or purportingto deliver such request, guidance or message. The Client undertakes to provide correctand complete information regarding itself. The Client must report to the Companyimmediately in case of any change in the information the Client had provided to theCompany.
2.2 The Company may, according to its sole discretion, act as a mediator and ensure thecoverage of Client transactions by different brokers, and also to act as a market makerand be the counterparty to the transaction of the Client. The Company shall not serve asan agent or trustee of the Client or on his behalf under any circumstances. The Clientacknowledges that he/she is acting for himself and not as agent or trustee on behalf of someone else. Accordingly, the Client agrees that he/she will be directly and fullyresponsible for performing his/her obligations under this Agreement , including withrespect of any Transaction made by or on behalf of the Client. The Company shall notaccept any other person as an indirect Client with respect of this Agreement and shallaccept no obligation to any such person unless otherwise expressly agreed in writing.
2.3 Usage of the Trading Platform is according to a limited, personal, non-transferable andexclusive license granted to the Client. The Client is not permitted to transfer and/orassign and/or allow another person to use the license and/or act in the Client's Accountto someone who is not a Client, and/or transfer the username and password to theAccount to any other person.
2.4 The use of the Trading System and Company's Services is personal permitted above theage of 18 only. The Client must ensure that there is no legal or other obstacle to its saidactivity, and that the Client has fulfilled any legal requirement needed for the use ofthese services.
3.1 As a condition for performing transactions in the Company's Platform, the Client mustprovide to the Company sufficient margin to secure the results of the trading in theaccount. The Funds shall be used as for Transactions, including trading Losses, commissions and/or any other fee owed by the Client to the Company, which will beautomatically deducted from the Client's Trading Account . The Client's Funds shall notaccumulate any interest or any other rights (except for rollover or swaps interest, asdefined below). Trading in CFD’s (Contracts For Differences), binary options or othertrading methods that relate to an underline security, shall not grant the Client any rightto dividends, voting, allocation or other Benefits, but may be subject to adjustmentsaccording to financial events which affect the underlining security, such as distributionof dividends, stock price splits etc.
3.2 Deposits of funds to the Company is available by different methods of payment and indifferent currencies as agreed upon by the Company from time to time, and the TradingAccount shall be converted and managed in the Trading Platform in US Dollars or Euro, as applicable, according to the exchange rate determined by the Company according tothe such rates as published in the same day. The Company uses funds clearing andtransfer solutions of different suppliers, and may receive or transfer the funds through athird party, subject to the applicable law.
3.3 According to Anti-Money-Laundering laws and regulations, when making a deposit bybank transfer or credit card, the Client is required to use his/her own Bank account only. The Client must send the Company an authentic SWIFT confirmation, stating the fulldetails of the transmitting Bank account. Non-delivery of the SWIFT confirmation orin case the details do not match to those of Trading Account , may prevent the fundsfrom being deposited to the Trading Account .3.4 When making a funds transfer to the Company by cheque or other payment methodspermitted by the Company, the Client will be required to be identified according to theCompany’s regulations and the applicable law. The Company does not accept funds incash.
3.5 The Company will maintain and act in the Client Funds carefully. The Company shallhave the right to use Client's funds to 'cover' the Client's transactions, to cover theClient's obligations as a result of the Client's trading activity and/or on according to theCompany's sole discretion, subject to Company's contractual obligation to pay or refundmoney to the Client according to the terms of this Agreement . Determining the amountof Margin required and the Client's obligations towards the Company shall be accordingto the Company's sole discretion.
3.6 When withdrawing funds from the Trading Account by the Client, the withdrawal willbe made in the same currency and to the same account and/or credit card from whichthe funds were originally deposited, unless the Company has decided, according to itssole discretion, to transfer the funds to a different account.
3.7 The Client warrants and obligates that the Margin funds do not originate from anycriminal or illegal activity and are without violation of Anti Money Laundering lawsand regulations in the world.
3.8 The Company may, at any time and according to its sole discretion, block the activityin the Client's Trading Account if it suspects of any act of fraud, cheating, forgery and/orany breach of law or this Agreement by the Client.
3.9 The Client shall have no claim and/or demand against the Company and will not holdthe Company responsible for any delay and/or differences in rates custom at financialinstitutions such as credit card Company's banks.
3.10 Withdrawal requests should be submitted through the Company's website. TheCompany does not obligate to process withdrawal requested transmitted by any othermeans.
3.11 In case of a withdrawal request made by the Client, the Company shall transfer therequested amount (less any transfer fees, if applicable) within Seven (7) Business Daysfollowing the day the Client was identified by the Company subject to the Marginrequirements, as set by the Company, in full.
3.12 The Company is allowed to cancel the withdrawal request of the Client if, according tothe Company's discretion, the remaining balance (after the withdrawal) is not sufficientto guarantee the open trades in the Trading Account .
3.13 If there has been no trading activity in the Client's account, the Company will charge afee of 5% of the deposit amount upon the withdrawal of all of the deposit in addition toany other fees determined in this Agreement .
3.14 The Client hereby entitles the Company to collect from the Trading Account any feespayments owed to the Company. If the Client does not have sufficient funds to cover itsliabilities, the Client must deposit additional funds immediately upon demand by theCompany, otherwise the Company may close the transactions in the Client's Account.
3.15 The Company shall not provide physical evidence in relation to any Transaction. Profitsand/or losses will be considered as completed only after the Transaction is closed.
4.1 The Company may, according to its sole discretion, grant the Client with a tradingbonus in his/her account. Unless otherwise determined, the terms of this chapter willapplied to the bonus.
4.2 The bonus will be calculated as a certain percentage of the deposit. The bonus willbe granted as onetime bonus with respect to such deposit and in such way asdetermined by the Company.
4.3 The bonus will become withdrawable subject to the execution of 1 traded Lot per5$ out of the bonus.
4.4 The Client may withdraw the bonus (in whole or in part) and/or profits from the Trading Account , provided that the Client has traded the full amount of Lotsrequired to make the Bonus eligible to withdrawable (the "Target"). Eachwithdrawal shall be first considered on the account of profits and then after from thebonus.
4.5 If the Client wishes to withdraw the deposit funds from the Trading Account beforeachieving the Target, the withdrawal would be made available, however the Bonusand the profits in the Trading Account will be cancelled and/or forfeited by theCompany.
4.6 The Company may change the terms of the Bonus at any time. Notice will beprovided to the Clients by E-mail or posting a message on the Company's website.
4.7 Any transaction during and after the Bonus period that breached the terms of this Agreement , will result in the cancellation of the entire Bonus according to the solediscretion of the Company.
5.1 At the request of the Client, the Company shall activate “social trading” service in theClient’s account, as provided by a third party (herein after: “Sirix” or the “System”).
5.2 Sirix allows the Client to observe and activate in his account transactions accordingto actual transactions conducted by other Client of the Company and third parties(the "Traders"). Choosing the Trader is done exclusively by the Client, as well asthe commencement and termination of following the Trade's account.
5.3 There are two options to copy the Trader's transactions: (1) by a fixed volume, regardless of the volume of the original transaction; Or - (2) by allocating an amountavailable for copying, unrelated to the Trade's transaction, and the ratio between theTrader's transaction and the transaction executed in the Client's account shall bydetermined according to the ratio between the amount allocated to the Client'stransaction and the volume of the Trade's transaction.
5.4 The Client has, at any time, the option to independently close any transaction, oralternatively, through the trading room.
5.5 Trader's Rating or past performance or any other information published inconnection with the Trader, shall not be considered as advice, promise or guaranteeof future success. The Company may direct or present to the Client specific Traders, without the aforementioned being considered as a recommendation to follow anyspecific Trader and/or for making use of the System. The Company is not engagedin any arrangement with any of the Traders within the system.
5.6 Trading based solely on copying other Traders is not recommended.
5.7 The Company does not guarantee that all of the Trader's trading orders shall alwaysbe correctly copied and/or executed in the Client's account, including orders to openor close a transaction. Therefore, the Client should carefully monitor the opentransactions in his Account.
5.8 The Client is full responsible to perform ongoing monitoring over his Account andthe risk level to which the Account is exposed. The Company does not superviseover the performance of the service and/or Traders, trading methods being taken, trading volume, suspension of trading by the Trader etc., and is not obligated to alertthe Client of any risk; The full responsibility for the Transactions in the Client'saccount is on the Client, and the Client hereby waives, in advance, any claimsregarding the results and/or the scope of activity in his Account with respect tofollowing Traders.
5.9 The information, content and services in Sirix are offered "as is" and the Companyand its representatives shall not bear any responsibility for the services suitability tothe Client's needs or goals. The Company does not guarantee the quality andaccuracy of information, fitness for any purpose, completeness, reliability, integration and compatibility to any computer program on the Client's computer, and does not guarantee that use of the services will be uninterrupted and/or will beimmune to disorders and/or failures and/or malfunctions and/or any damage.
6.1 The Company charges a fee for the execution of Transaction on several FinancialInstruments offered by the Trading Platform . The Fee varies according to the Clientclassification by the Company. In addition, the Company derives revenue from thespread on Transactions (i. e. the difference between buy/sell price quotes offered bythe Trading Platform to the Client). It is the Client’s responsibility to decide whetheror not to trade at such prices.
6.2 Accounts defined as Islamic accounts shall be charged with a fee if hold opentransactions over two days. At each third night from the transaction opening theClient's account will be charged a commission of the Spread amount of the opentransaction.
6.3 Company may charge a commission for depositing of funds to the Trading Account and withdrawals to the Client. The Company may introduce additional fees andcharges, and may change existing fees and charges at any time.
6.4 Inactive Trading Account - In case the Client has not performed any trading activityin his/her Account for such period of time determined by the Company or the tradingactivity is at low level according to the Company's determined standards and/or ifthe Client does not hold the required minimum amount of funds in his TradingAccount as determined by the Company from time to time, the Company maycharge the Client with administrative fees of 5% or 25Euros or USD (according tothe currency in which the account is operated), whichever is higher. The time periodwhich will classify the Client's Account as inactive shall be calculated from the dateof opening or closing of the last transaction in the Client's account. The Companymay change the terms and rules under this section, including the duration by whichthe account will be defined as inactive, the level of activity in the account that shallbe classified as a low level of activity, minimal amount of funds that the Client isrequired to hold in the Trading Account , as well the size of commission for inactiveclassified account.
7.1 The Trading Platform provided by the Company enables trading in exchange rates ofdifferent currencies, and CFD's of different Financial Instruments made available on theCompany's Platform (all herein: " Financial Instruments "). When using the TradingPlatform, the Client is being displayed with ask and bid prices for performingtransactions in Financial Instruments based on prices received from different financialinformation systems as inductive trading prices on the markets. For determining thetrading prices, the platform is making mathematical calculations according to knownand accepted formulas.
7.2 Transactions are automatically renewed every night at 22:00 GMT by the TradingPlatform server's clock that is automatically synchronized according to Cyprus time.
7.3 A Transaction is ended in any of the following events:
7.3.1 The Client initiated the closure of the Transaction.
7.3.2 The Transaction rates meets with predefined stop loss, take profit or othercriteria set by the Client or the Company under the terms of this Agreement .
7.3.3 The Transaction expiry date has been reached, in certain transactions, as set bythe Client or the Company, according to the case.
7.3.4 The Client does not have sufficient funds in the Account therefore theCompany shall perform an enforced closing of Transactions, according tothe Company's sole discretion, for purposes of compliance with the tradingmargin requirements set by the Company to the Client.
7.4 The Client may submit orders via the Trading Platform that was supplied to the Clientby the Company or by written orders (including fax), E-mail or via other electronicinstrument or verbally (including via telephone), unless the Company informs the Clientthat a particular order can only be submitted in a particular way.
7.5 The Company does not permit execution of opposite Transactions simultaneously, Transactions based on market differences, during information publications(macroeconomic notices), prices freeze, suspension of trading, price or timemanipulation transactions, including illegal scalping and exploitation of arbitragebetween different systems, as well as Transactions found by the Company as an attemptto perform such forbidden Transactions.
7.6 The Client authorizes the Company to rely and act according to any order, request andinstruction provided by the Client or any person authorized on the Client's behalf, without further enquiry on the part of the Company as to the authenticity, correctnessof authority or identity of the person providing or purporting to provide such order.
7.7 If the Client requests to cancel any order, the Company can only cancel such orders ifit has not already acted upon such order, or if otherwise agreed by the Company.
7.8 The Company has the right, but not the obligation, to set limits and/or certain parametersin relation to the Client's account and the trading orders, at its absolute discretion. Suchlimits and/or parameters may be amended, increased, decreased, removed or added bythe Company and may include, inter alia and without limited to: (i) limits overmaximum trading order size and number of orders.; (ii) limits over single trade exposureor the total exposure of the Client; (iii) a limitation over leverage in different Financialinstruments and more.
7.9 The Company is entitled, on its own discretion, to cancel or correct any transaction thathas been executed in connection with an error, system malfunction, breach of the Agreement by Client, etc. The Company's records will serve as decisive evidence to thecorrect exchange rates with relation to the Client's accounts.
7.10 Benefits - The Company may, from time to time, provide benefits or different grants tothe Trading Account . Such benefits may be offered for limited periods of times and/orsupply, and the Company shall be entitled to change, freeze, cancel etc. the benefit termsfrom time to time and on its sole discretion.
7.11 The Company shall be entitled, but not obligated to, send its Clients, either all of itsClients and either part of, notices and updates regarding an underlying asset tradingconditions, such as expiry dates on CFD contracts, and more. The Client shall have noclaim against the Company for not sending such notices or updates or regarding incorrectness of the information in such notice. It is the Client's ultimate responsibility tobe familiar with the trading conditions in assets he/she is trading on.
8.1 Buy - An order to buy an instrument at a price available for trading on the TradingPlatform provided by the Company at the time of order.
8.2 Sell – An order to sell an instrument at a price available for trading on the TradingPlatform provided by the Company at the time of order.
8.3 Limit Order - A Buy or Sell order limited to a certain price. Any Limit Order has aspecific price limit determined by the Client (subject to Company's consent). A LimitOrder will be triggered if the Company’s Bid price (in the case of a sell order) is thesame or higher than the Limit price set by the Client or if the Ask price (in the case of a buy order) is the same or lower than the Limit price set by the Client. Once the tradingprice offered by the Company reached the price defined by the limit order, the limitorder shall be triggered, and the Company will seek to execute the order at that price. Ifthe Company cannot execute the order (due to price changes during the execution of theorder), the limit order will wait again for the Client's determined price and will betriggered again.
8.4 Stop Loss Order – is an order used for the closure of a transaction at such pricepredetermined by the Client whose intent is to limit the loss of the Client to apredetermined and knows amount. The Company does not obligate to perform theTransaction closure at the price predetermined by the Client due to changing marketconditions.
8.5 Take Profit Order –is an order for the closure of a transaction at a predetermined priceset by the Client whose intent is to close out the transaction when it achieved a certainprofit. As soon as the trading price offered by the Company reaches the target price ofthe limit order, the limit order shall be triggered and the Company shall seek to executethe order at the said price. In case the Company cannot execute the order (due to changesin trading prices during the order execution), the limit order shall wait again for the priceset by the Client and then executed.
8.6 Buy Stop Order – a future Buy order for purchasing an instrument at a price set by theClient that is higher than the price the Instrument is traded when the order is transmitted. The purchase shall be executed when the traded price of the instrument on the Platformshall reach the price set by the Client and if the order cannot be executed at the price setby the Client (due to the volatility of the instrument price) than the order shall beexecuted at the available trading price on the Trading Platform which is closest to theprice set by the Client and in which the order is applicable.
8.7 Sell Stop Order – a future Sell order for selling an instrument at a price set by the Clientthat is lower than the price the Instrument is traded when the order is transmitted. Thesell shall be executed when the traded price of the instrument on the Platform shall reachthe price set by the Client and if the order cannot be executed at the price set by theClient (due to the volatility of the instrument price) than the order shall be executed atthe available trading price on the Trading Platform which is closest to the price set bythe Client and in which the order is applicable.
8.8 The Company does not guarantee, among others: (a) to open a transaction at the pricedetermined by a stop order (b) execution of orders based on hedged transactions (twostop orders in opposite directions in the same currency or similarly correlatedcurrencies) (c) execution of transactions during slippage or spikes in the markets or ifmarket trading is interrupted or ceases all together (d) in instruments that do not have24 hour trading such as CFD's on indices, commodities such as oil and other currenciesand instruments, during holidays, weekends, news announcements, special eventsand/or economic and other crises.
8.9 Rollovers or Swaps - the Client's Transactions are automatically transferred ('rolledover') to the next business day, without the need for the Client's intervention. Suchrollovers are sometimes accommodated with overnight currencies interestdifferences that affect the Trading Account . In case that the Client has an openecncapital position on Wednesday at 24:00, the Client shall be charged with Swap commissionfor three days.
8.10 Margin call – Margin funds are the amounts of money the Client deposits as a guaranteeto hold positions. When a Client opens a position that its size is greater than the amountof money that was deposited by the Client, it means that the Client is making use ofleverage. The Client agrees to deposit to the Company, upon demand, additional fundsas required as guarantees, for securing losses in open or foreseeable. In case the Clientfails to meet such margin call, the Company may close the Client's position(s) at suchprices and times that may be less favorable to the Client and the Company shall haveno liability with the aforementioned.
8.11 Currently, and subject to changes in the future according to the Company's discretion, the Company shall have the right to close some or all of the Client's open positionsand/or limit the Client's ability to open additional position(s), in case the margin in theClient's account represents 50% or less of the Client's open positions value; It should notbe assumed that the Company shall always do so.
9. Data Usage and Privacy Protection.
9.1 Due to the nature of the Company's services and relations with the Company’scustomers, The Company shall hold some information regarding the Client on theCompany data bases. All data collected, whether kept in physical or computerized form, shall be safeguarded by the Company in such order that will enable to maintain theClient's Privacy and access to the information shall be restricted according to the needto provide services to the Client and the Company's operation.
9.2 The Company shall be permitted to use and/or disclose the Client Information (a) Forinternal use, including with affiliated entities and/or service providers that are requiredfor the provisions of service to the Client and who are obliged to maintainconfidentiality; (b) As permitted or required by law; (c) For protection against or inorder to prevent actual or potential fraud or unauthorized transactions or unauthorizedbehavior (d) For computerized supervision over the Client's use of the Services, reviewand/or auditing and/or development and/or maintenance of the quality of Services; (e)to protect the Company's rights or obligation to observe any applicable law.
9.3 The Client hereby grants the Company his/her permission to make use of his/her userdetails in order to provide updates and/or information and/or promotion or marketinginformation, including through the Clients E-mail address. Cancellation of this consentshall be performed by providing written notice to the Company, and shall apply to newpublications that have not been sent.
9.4 The Client agrees that conversation and correspondence between the Company and theClient may be recorded.
9.5 The Company may pay or receive commissions from business associates, and may shareinformation with them.
9.6 The Company's Trading Platform , Website or other Services may make use of 'Cookies'.
10. Risk Disclosure – Client's financial knowledge 10.1 The Company and anyone on its behalf do not advise the Clients with respect to theprofitability of any trading action or non-action, and with respect to any taxconsequences, nor do they manage the investments for the Clients. The Client warrantsthat he/she is the sole responsible person for making an independent appraisal andinvestigations of the risks of any Transaction. The Client is required to have priorknowledge of Forex and other Financial Instruments trading and to consider its actionsand the risks involved before making any action in the Trading Platform . The Clientacknowledges that he has read and understood the attached Risk Disclosure which is asinseparable part of this Agreement .
10.2 The Company may provide its Clients or publish factual market information regardinga specific underlying instrument as well as updating the Client with publication andanalysis of reputable third parties as well as general information such as technicalanalysis or well-known trading techniques. By doing so, the Company does notundertake or obligate as to the accuracy or completeness of the information or to thetrading implications or tax implications of a certain transaction. The provision of theinformation is incidental to the Client’s relationship with the Company and is providedsolely to enable the Client to make its own investment decisions.
10.3 The Company is under no obligation to assess the appropriateness of any Transactionfor the Client or to assess whether the Client has the necessary knowledge andexperience. All risks associated to the above are under the sole responsibility of theClient.
10.4 Trader's Tax Allocations - Any tax applying on the Client and/or results from the Client'strading activity, shall be under the Client's full and sole responsibility. The Client shallpersonally report and pay any tax liability he is obligated to. The Company serves as amediator only and does not collect or withhold tax for the Client. The Company'sreserve the right, if ordered by an official entity, to deduct tax from the Client anddeliver it to the proper tax authority.
11. Account Balances 11.1 Account balances and statements are displayed within the Trading Platform . The Clientmay review open transactions and the state of the Margin funds at any time by accessingthe Trading Account on the Trading Platform of the Company and review reportscreated by the Company. The Company does not send printed reports to the Client.
11.2 Account Activity Reports – The Client should follow its Trading Account regularly. The Client should immediately report to the Company of any discrepancy and bring itto its attention. All trading certificates and monthly reports shall be considered at trueand acceptable by the Client if no complaint has been serviced upon their receipt.
12. Closing an Account and Termination of the Agreement.
12.1 Either party may terminate this Agreement by providing a 10 (Ten) days written noticeof termination to the other Party. The Company may terminate this Agreement immediately in case of.
Note that the "I Agree" button is not enabled until you scroll down and read the client agreement.
CLIENT AGREEMENT.
1.1 ECN Capital Global Ltd. is a Company that was incorporated in Trust CompanyComplex, Ajeltake Road, Ajeltake Island, Majuro, Marshall Islands MH96960. Theterms of this Agreement , along with the Company's Risk Disclosure Document (the" Agreement "), shall govern over the relations between the Client and the Companywith respect to the execution of foreign exchange, shares, indices and other financialinstruments rates (" Forex Trading "), through the Company's Trading Platform suppliedto the Client by the Company (the: " Trading Platform ") and any other service providedby the Company to the Client (the "Company's Services").
1.2 The Company shall set rules and instructions relating to the Client's account and tradingconditions in the account, including, without limitation, regarding minimum accountsize, minimum account activity, fees, bonus terms, leverage limitations, rules relatingmargin requirements, and the Company shall be entitled to change the said rules andinstructions from time to time.
2.1 The Company will open a Trading Account (the " Trading Account ") for and on theClient's name, subject to the registration of the Client with the Company according tothe Company's requirements, including providing complete and accurate Clientinformation as required for the opening of the Account, and by presenting identificationdocuments including a copy of an identification certificate, passport, a copy of creditcard from both its sides, in case the deposit was made by credit card (Client may hidethe credit card number except for the last four digits, and may also hide the CVV code, at the back of the card), and a valid (recent three months) proof of address, by presentinga government vendor or other utility bill (water, city tax, electricity, 'etc.). The Clientauthorizes the Company to rely and act according to any request, guideline or othermessage appeared to be from the Client, without further examination by the Companyas to the authenticity, veracity, or the identity of the person who delivers or purportingto deliver such request, guidance or message. The Client undertakes to provide correctand complete information regarding itself. The Client must report to the Companyimmediately in case of any change in the information the Client had provided to theCompany.
2.2 The Company may, according to its sole discretion, act as a mediator and ensure thecoverage of Client transactions by different brokers, and also to act as a market makerand be the counterparty to the transaction of the Client. The Company shall not serve asan agent or trustee of the Client or on his behalf under any circumstances. The Clientacknowledges that he/she is acting for himself and not as agent or trustee on behalf of someone else. Accordingly, the Client agrees that he/she will be directly and fullyresponsible for performing his/her obligations under this Agreement , including withrespect of any Transaction made by or on behalf of the Client. The Company shall notaccept any other person as an indirect Client with respect of this Agreement and shallaccept no obligation to any such person unless otherwise expressly agreed in writing.
2.3 Usage of the Trading Platform is according to a limited, personal, non-transferable andexclusive license granted to the Client. The Client is not permitted to transfer and/orassign and/or allow another person to use the license and/or act in the Client's Accountto someone who is not a Client, and/or transfer the username and password to theAccount to any other person.
2.4 The use of the Trading System and Company's Services is personal permitted above theage of 18 only. The Client must ensure that there is no legal or other obstacle to its saidactivity, and that the Client has fulfilled any legal requirement needed for the use ofthese services.
3.1 As a condition for performing transactions in the Company's Platform, the Client mustprovide to the Company sufficient margin to secure the results of the trading in theaccount. The Funds shall be used as for Transactions, including trading Losses, commissions and/or any other fee owed by the Client to the Company, which will beautomatically deducted from the Client's Trading Account . The Client's Funds shall notaccumulate any interest or any other rights (except for rollover or swaps interest, asdefined below). Trading in CFD’s (Contracts For Differences), binary options or othertrading methods that relate to an underline security, shall not grant the Client any rightto dividends, voting, allocation or other Benefits, but may be subject to adjustmentsaccording to financial events which affect the underlining security, such as distributionof dividends, stock price splits etc.
3.2 Deposits of funds to the Company is available by different methods of payment and indifferent currencies as agreed upon by the Company from time to time, and the TradingAccount shall be converted and managed in the Trading Platform in US Dollars or Euro, as applicable, according to the exchange rate determined by the Company according tothe such rates as published in the same day. The Company uses funds clearing andtransfer solutions of different suppliers, and may receive or transfer the funds through athird party, subject to the applicable law.
3.3 According to Anti-Money-Laundering laws and regulations, when making a deposit bybank transfer or credit card, the Client is required to use his/her own Bank account only. The Client must send the Company an authentic SWIFT confirmation, stating the fulldetails of the transmitting Bank account. Non-delivery of the SWIFT confirmation orin case the details do not match to those of Trading Account , may prevent the fundsfrom being deposited to the Trading Account .3.4 When making a funds transfer to the Company by cheque or other payment methodspermitted by the Company, the Client will be required to be identified according to theCompany’s regulations and the applicable law. The Company does not accept funds incash.
3.5 The Company will maintain and act in the Client Funds carefully. The Company shallhave the right to use Client's funds to 'cover' the Client's transactions, to cover theClient's obligations as a result of the Client's trading activity and/or on according to theCompany's sole discretion, subject to Company's contractual obligation to pay or refundmoney to the Client according to the terms of this Agreement . Determining the amountof Margin required and the Client's obligations towards the Company shall be accordingto the Company's sole discretion.
3.6 When withdrawing funds from the Trading Account by the Client, the withdrawal willbe made in the same currency and to the same account and/or credit card from whichthe funds were originally deposited, unless the Company has decided, according to itssole discretion, to transfer the funds to a different account.
3.7 The Client warrants and obligates that the Margin funds do not originate from anycriminal or illegal activity and are without violation of Anti Money Laundering lawsand regulations in the world.
3.8 The Company may, at any time and according to its sole discretion, block the activityin the Client's Trading Account if it suspects of any act of fraud, cheating, forgery and/orany breach of law or this Agreement by the Client.
3.9 The Client shall have no claim and/or demand against the Company and will not holdthe Company responsible for any delay and/or differences in rates custom at financialinstitutions such as credit card Company's banks.
3.10 Withdrawal requests should be submitted through the Company's website. TheCompany does not obligate to process withdrawal requested transmitted by any othermeans.
3.11 In case of a withdrawal request made by the Client, the Company shall transfer therequested amount (less any transfer fees, if applicable) within Seven (7) Business Daysfollowing the day the Client was identified by the Company subject to the Marginrequirements, as set by the Company, in full.
3.12 The Company is allowed to cancel the withdrawal request of the Client if, according tothe Company's discretion, the remaining balance (after the withdrawal) is not sufficientto guarantee the open trades in the Trading Account .
3.13 If there has been no trading activity in the Client's account, the Company will charge afee of 5% of the deposit amount upon the withdrawal of all of the deposit in addition toany other fees determined in this Agreement .
3.14 The Client hereby entitles the Company to collect from the Trading Account any feespayments owed to the Company. If the Client does not have sufficient funds to cover itsliabilities, the Client must deposit additional funds immediately upon demand by theCompany, otherwise the Company may close the transactions in the Client's Account.
3.15 The Company shall not provide physical evidence in relation to any Transaction. Profitsand/or losses will be considered as completed only after the Transaction is closed.
4.1 The Company may, according to its sole discretion, grant the Client with a tradingbonus in his/her account. Unless otherwise determined, the terms of this chapter willapplied to the bonus.
4.2 The bonus will be calculated as a certain percentage of the deposit. The bonus willbe granted as onetime bonus with respect to such deposit and in such way asdetermined by the Company.
4.3 The bonus will become withdrawable subject to the execution of 1 traded Lot per5$ out of the bonus.
4.4 The Client may withdraw the bonus (in whole or in part) and/or profits from the Trading Account , provided that the Client has traded the full amount of Lotsrequired to make the Bonus eligible to withdrawable (the "Target"). Eachwithdrawal shall be first considered on the account of profits and then after from thebonus.
4.5 If the Client wishes to withdraw the deposit funds from the Trading Account beforeachieving the Target, the withdrawal would be made available, however the Bonusand the profits in the Trading Account will be cancelled and/or forfeited by theCompany.
4.6 The Company may change the terms of the Bonus at any time. Notice will beprovided to the Clients by E-mail or posting a message on the Company's website.
4.7 Any transaction during and after the Bonus period that breached the terms of this Agreement , will result in the cancellation of the entire Bonus according to the solediscretion of the Company.
5.1 At the request of the Client, the Company shall activate “social trading” service in theClient’s account, as provided by a third party (herein after: “Sirix” or the “System”).
5.2 Sirix allows the Client to observe and activate in his account transactions accordingto actual transactions conducted by other Client of the Company and third parties(the "Traders"). Choosing the Trader is done exclusively by the Client, as well asthe commencement and termination of following the Trade's account.
5.3 There are two options to copy the Trader's transactions: (1) by a fixed volume, regardless of the volume of the original transaction; Or - (2) by allocating an amountavailable for copying, unrelated to the Trade's transaction, and the ratio between theTrader's transaction and the transaction executed in the Client's account shall bydetermined according to the ratio between the amount allocated to the Client'stransaction and the volume of the Trade's transaction.
5.4 The Client has, at any time, the option to independently close any transaction, oralternatively, through the trading room.
5.5 Trader's Rating or past performance or any other information published inconnection with the Trader, shall not be considered as advice, promise or guaranteeof future success. The Company may direct or present to the Client specific Traders, without the aforementioned being considered as a recommendation to follow anyspecific Trader and/or for making use of the System. The Company is not engagedin any arrangement with any of the Traders within the system.
5.6 Trading based solely on copying other Traders is not recommended.
5.7 The Company does not guarantee that all of the Trader's trading orders shall alwaysbe correctly copied and/or executed in the Client's account, including orders to openor close a transaction. Therefore, the Client should carefully monitor the opentransactions in his Account.
5.8 The Client is full responsible to perform ongoing monitoring over his Account andthe risk level to which the Account is exposed. The Company does not superviseover the performance of the service and/or Traders, trading methods being taken, trading volume, suspension of trading by the Trader etc., and is not obligated to alertthe Client of any risk; The full responsibility for the Transactions in the Client'saccount is on the Client, and the Client hereby waives, in advance, any claimsregarding the results and/or the scope of activity in his Account with respect tofollowing Traders.
5.9 The information, content and services in Sirix are offered "as is" and the Companyand its representatives shall not bear any responsibility for the services suitability tothe Client's needs or goals. The Company does not guarantee the quality andaccuracy of information, fitness for any purpose, completeness, reliability, integration and compatibility to any computer program on the Client's computer, and does not guarantee that use of the services will be uninterrupted and/or will beimmune to disorders and/or failures and/or malfunctions and/or any damage.
6.1 The Company charges a fee for the execution of Transaction on several FinancialInstruments offered by the Trading Platform . The Fee varies according to the Clientclassification by the Company. In addition, the Company derives revenue from thespread on Transactions (i. e. the difference between buy/sell price quotes offered bythe Trading Platform to the Client). It is the Client’s responsibility to decide whetheror not to trade at such prices.
6.2 Accounts defined as Islamic accounts shall be charged with a fee if hold opentransactions over two days. At each third night from the transaction opening theClient's account will be charged a commission of the Spread amount of the opentransaction.
6.3 Company may charge a commission for depositing of funds to the Trading Account and withdrawals to the Client. The Company may introduce additional fees andcharges, and may change existing fees and charges at any time.
6.4 Inactive Trading Account - In case the Client has not performed any trading activityin his/her Account for such period of time determined by the Company or the tradingactivity is at low level according to the Company's determined standards and/or ifthe Client does not hold the required minimum amount of funds in his TradingAccount as determined by the Company from time to time, the Company maycharge the Client with administrative fees of 5% or 25Euros or USD (according tothe currency in which the account is operated), whichever is higher. The time periodwhich will classify the Client's Account as inactive shall be calculated from the dateof opening or closing of the last transaction in the Client's account. The Companymay change the terms and rules under this section, including the duration by whichthe account will be defined as inactive, the level of activity in the account that shallbe classified as a low level of activity, minimal amount of funds that the Client isrequired to hold in the Trading Account , as well the size of commission for inactiveclassified account.
7.1 The Trading Platform provided by the Company enables trading in exchange rates ofdifferent currencies, and CFD's of different Financial Instruments made available on theCompany's Platform (all herein: " Financial Instruments "). When using the TradingPlatform, the Client is being displayed with ask and bid prices for performingtransactions in Financial Instruments based on prices received from different financialinformation systems as inductive trading prices on the markets. For determining thetrading prices, the platform is making mathematical calculations according to knownand accepted formulas.
7.2 Transactions are automatically renewed every night at 22:00 GMT by the TradingPlatform server's clock that is automatically synchronized according to Cyprus time.
7.3 A Transaction is ended in any of the following events:
7.3.1 The Client initiated the closure of the Transaction.
7.3.2 The Transaction rates meets with predefined stop loss, take profit or othercriteria set by the Client or the Company under the terms of this Agreement .
7.3.3 The Transaction expiry date has been reached, in certain transactions, as set bythe Client or the Company, according to the case.
7.3.4 The Client does not have sufficient funds in the Account therefore theCompany shall perform an enforced closing of Transactions, according tothe Company's sole discretion, for purposes of compliance with the tradingmargin requirements set by the Company to the Client.
7.4 The Client may submit orders via the Trading Platform that was supplied to the Clientby the Company or by written orders (including fax), E-mail or via other electronicinstrument or verbally (including via telephone), unless the Company informs the Clientthat a particular order can only be submitted in a particular way.
7.5 The Company does not permit execution of opposite Transactions simultaneously, Transactions based on market differences, during information publications(macroeconomic notices), prices freeze, suspension of trading, price or timemanipulation transactions, including illegal scalping and exploitation of arbitragebetween different systems, as well as Transactions found by the Company as an attemptto perform such forbidden Transactions.
7.6 The Client authorizes the Company to rely and act according to any order, request andinstruction provided by the Client or any person authorized on the Client's behalf, without further enquiry on the part of the Company as to the authenticity, correctnessof authority or identity of the person providing or purporting to provide such order.
7.7 If the Client requests to cancel any order, the Company can only cancel such orders ifit has not already acted upon such order, or if otherwise agreed by the Company.
7.8 The Company has the right, but not the obligation, to set limits and/or certain parametersin relation to the Client's account and the trading orders, at its absolute discretion. Suchlimits and/or parameters may be amended, increased, decreased, removed or added bythe Company and may include, inter alia and without limited to: (i) limits overmaximum trading order size and number of orders.; (ii) limits over single trade exposureor the total exposure of the Client; (iii) a limitation over leverage in different Financialinstruments and more.
7.9 The Company is entitled, on its own discretion, to cancel or correct any transaction thathas been executed in connection with an error, system malfunction, breach of the Agreement by Client, etc. The Company's records will serve as decisive evidence to thecorrect exchange rates with relation to the Client's accounts.
7.10 Benefits - The Company may, from time to time, provide benefits or different grants tothe Trading Account . Such benefits may be offered for limited periods of times and/orsupply, and the Company shall be entitled to change, freeze, cancel etc. the benefit termsfrom time to time and on its sole discretion.
7.11 The Company shall be entitled, but not obligated to, send its Clients, either all of itsClients and either part of, notices and updates regarding an underlying asset tradingconditions, such as expiry dates on CFD contracts, and more. The Client shall have noclaim against the Company for not sending such notices or updates or regarding incorrectness of the information in such notice. It is the Client's ultimate responsibility tobe familiar with the trading conditions in assets he/she is trading on.
8.1 Buy - An order to buy an instrument at a price available for trading on the TradingPlatform provided by the Company at the time of order.
8.2 Sell – An order to sell an instrument at a price available for trading on the TradingPlatform provided by the Company at the time of order.
8.3 Limit Order - A Buy or Sell order limited to a certain price. Any Limit Order has aspecific price limit determined by the Client (subject to Company's consent). A LimitOrder will be triggered if the Company’s Bid price (in the case of a sell order) is thesame or higher than the Limit price set by the Client or if the Ask price (in the case of a buy order) is the same or lower than the Limit price set by the Client. Once the tradingprice offered by the Company reached the price defined by the limit order, the limitorder shall be triggered, and the Company will seek to execute the order at that price. Ifthe Company cannot execute the order (due to price changes during the execution of theorder), the limit order will wait again for the Client's determined price and will betriggered again.
8.4 Stop Loss Order – is an order used for the closure of a transaction at such pricepredetermined by the Client whose intent is to limit the loss of the Client to apredetermined and knows amount. The Company does not obligate to perform theTransaction closure at the price predetermined by the Client due to changing marketconditions.
8.5 Take Profit Order –is an order for the closure of a transaction at a predetermined priceset by the Client whose intent is to close out the transaction when it achieved a certainprofit. As soon as the trading price offered by the Company reaches the target price ofthe limit order, the limit order shall be triggered and the Company shall seek to executethe order at the said price. In case the Company cannot execute the order (due to changesin trading prices during the order execution), the limit order shall wait again for the priceset by the Client and then executed.
8.6 Buy Stop Order – a future Buy order for purchasing an instrument at a price set by theClient that is higher than the price the Instrument is traded when the order is transmitted. The purchase shall be executed when the traded price of the instrument on the Platformshall reach the price set by the Client and if the order cannot be executed at the price setby the Client (due to the volatility of the instrument price) than the order shall beexecuted at the available trading price on the Trading Platform which is closest to theprice set by the Client and in which the order is applicable.
8.7 Sell Stop Order – a future Sell order for selling an instrument at a price set by the Clientthat is lower than the price the Instrument is traded when the order is transmitted. Thesell shall be executed when the traded price of the instrument on the Platform shall reachthe price set by the Client and if the order cannot be executed at the price set by theClient (due to the volatility of the instrument price) than the order shall be executed atthe available trading price on the Trading Platform which is closest to the price set bythe Client and in which the order is applicable.
8.8 The Company does not guarantee, among others: (a) to open a transaction at the pricedetermined by a stop order (b) execution of orders based on hedged transactions (twostop orders in opposite directions in the same currency or similarly correlatedcurrencies) (c) execution of transactions during slippage or spikes in the markets or ifmarket trading is interrupted or ceases all together (d) in instruments that do not have24 hour trading such as CFD's on indices, commodities such as oil and other currenciesand instruments, during holidays, weekends, news announcements, special eventsand/or economic and other crises.
8.9 Rollovers or Swaps - the Client's Transactions are automatically transferred ('rolledover') to the next business day, without the need for the Client's intervention. Suchrollovers are sometimes accommodated with overnight currencies interestdifferences that affect the Trading Account . In case that the Client has an openecncapital position on Wednesday at 24:00, the Client shall be charged with Swap commissionfor three days.
8.10 Margin call – Margin funds are the amounts of money the Client deposits as a guaranteeto hold positions. When a Client opens a position that its size is greater than the amountof money that was deposited by the Client, it means that the Client is making use ofleverage. The Client agrees to deposit to the Company, upon demand, additional fundsas required as guarantees, for securing losses in open or foreseeable. In case the Clientfails to meet such margin call, the Company may close the Client's position(s) at suchprices and times that may be less favorable to the Client and the Company shall haveno liability with the aforementioned.
8.11 Currently, and subject to changes in the future according to the Company's discretion, the Company shall have the right to close some or all of the Client's open positionsand/or limit the Client's ability to open additional position(s), in case the margin in theClient's account represents 50% or less of the Client's open positions value; It should notbe assumed that the Company shall always do so.
9. Data Usage and Privacy Protection.
9.1 Due to the nature of the Company's services and relations with the Company’scustomers, The Company shall hold some information regarding the Client on theCompany data bases. All data collected, whether kept in physical or computerized form, shall be safeguarded by the Company in such order that will enable to maintain theClient's Privacy and access to the information shall be restricted according to the needto provide services to the Client and the Company's operation.
9.2 The Company shall be permitted to use and/or disclose the Client Information (a) Forinternal use, including with affiliated entities and/or service providers that are requiredfor the provisions of service to the Client and who are obliged to maintainconfidentiality; (b) As permitted or required by law; (c) For protection against or inorder to prevent actual or potential fraud or unauthorized transactions or unauthorizedbehavior (d) For computerized supervision over the Client's use of the Services, reviewand/or auditing and/or development and/or maintenance of the quality of Services; (e)to protect the Company's rights or obligation to observe any applicable law.
9.3 The Client hereby grants the Company his/her permission to make use of his/her userdetails in order to provide updates and/or information and/or promotion or marketinginformation, including through the Clients E-mail address. Cancellation of this consentshall be performed by providing written notice to the Company, and shall apply to newpublications that have not been sent.
9.4 The Client agrees that conversation and correspondence between the Company and theClient may be recorded.
9.5 The Company may pay or receive commissions from business associates, and may shareinformation with them.
9.6 The Company's Trading Platform , Website or other Services may make use of 'Cookies'.
10. Risk Disclosure – Client's financial knowledge 10.1 The Company and anyone on its behalf do not advise the Clients with respect to theprofitability of any trading action or non-action, and with respect to any taxconsequences, nor do they manage the investments for the Clients. The Client warrantsthat he/she is the sole responsible person for making an independent appraisal andinvestigations of the risks of any Transaction. The Client is required to have priorknowledge of Forex and other Financial Instruments trading and to consider its actionsand the risks involved before making any action in the Trading Platform . The Clientacknowledges that he has read and understood the attached Risk Disclosure which is asinseparable part of this Agreement .
10.2 The Company may provide its Clients or publish factual market information regardinga specific underlying instrument as well as updating the Client with publication andanalysis of reputable third parties as well as general information such as technicalanalysis or well-known trading techniques. By doing so, the Company does notundertake or obligate as to the accuracy or completeness of the information or to thetrading implications or tax implications of a certain transaction. The provision of theinformation is incidental to the Client’s relationship with the Company and is providedsolely to enable the Client to make its own investment decisions.
10.3 The Company is under no obligation to assess the appropriateness of any Transactionfor the Client or to assess whether the Client has the necessary knowledge andexperience. All risks associated to the above are under the sole responsibility of theClient.
10.4 Trader's Tax Allocations - Any tax applying on the Client and/or results from the Client'strading activity, shall be under the Client's full and sole responsibility. The Client shallpersonally report and pay any tax liability he is obligated to. The Company serves as amediator only and does not collect or withhold tax for the Client. The Company'sreserve the right, if ordered by an official entity, to deduct tax from the Client anddeliver it to the proper tax authority.
11. Account Balances 11.1 Account balances and statements are displayed within the Trading Platform . The Clientmay review open transactions and the state of the Margin funds at any time by accessingthe Trading Account on the Trading Platform of the Company and review reportscreated by the Company. The Company does not send printed reports to the Client.
11.2 Account Activity Reports – The Client should follow its Trading Account regularly. The Client should immediately report to the Company of any discrepancy and bring itto its attention. All trading certificates and monthly reports shall be considered at trueand acceptable by the Client if no complaint has been serviced upon their receipt.
12. Closing an Account and Termination of the Agreement.
12.1 Either party may terminate this Agreement by providing a 10 (Ten) days written noticeof termination to the other Party. The Company may terminate this Agreement immediately in case of.
Note that the "I Agree" button is not enabled until you scroll down and read the client agreement.
numbers and letters.
No special characters allowed.
LOGIN DE MEMBROS.
Abra uma conta.
Open an account now & start trading!
Indique um Amigo.
Compartilhe sua história de sucesso com amigos e receba 300 $ de BONUS por cada amigo que abre uma conta de negociação!

Canadian Dollar Accounts.
CIBC Business Operating Account.
A CIBC Business Operating Account is the foundation of your banking activities with CIBC and allows you to take advantage of our broad range of financial services.
Our account options offer everyday banking benefits and exceptional value for businesses with low to high transaction volumes.
Enjoy the flexibility to bank when and where you want - in-branch, by phone, at an ABM, or by using our online and mobile banking services - to conveniently and efficiently meet your day-to-day banking needs Unlimited account balance or account activity inquiries through CIBC Instant Teller ® bank machines, CIBC Telephone Banking, CIBC Online Banking ® , CIBC Cash Management Online ® (CMO) 9 or Branch Banking Unlimited CIBC Small Business Convenience Cards ® The ability to assign routine financial transactions and tasks to your delegates with the CIBC Small Business Customized Access ® feature Access to Wallet Depository Service eStatements available at no additional charge through online channels 10.
Accounts available:
Monthly Transactions Included 1.
Fee for Each Transaction 1.
CIBC Unlimited Business Operating Account ®
Offers businesses with a high number of monthly transactions 1 the ability to simplify banking and enhance cash flow for one low monthly fee. With unlimited transactions 1 such as withdrawals, deposit transactions, transfers, bill payments as well as a cash, coin and cheque deposit package 2 , this account offers a consistent monthly fee even when your banking activity increases.
CIBC Everyday Business Operating Account ®
Offers exceptional value to businesses with a consistent number of monthly transactions 1 . With everyday banking benefits such as 30 transactions 1 each month, a cash, coin and cheque deposit package 6 and the flexibility to minimize fees when you use only self-service channels to perform transactions 1 in a month, this account not only helps you manage your cash flow, but also your bottom line.
Self - service 7 access.
Full-service 8 access.
CIBC Basic Business Operating Account ®
Offers businesses with a low number of monthly transactions 1 the flexibility to minimize your monthly banking fees by paying only for what you use. This account gives the ability to perform all of your day-to-day banking, anytime and anywhere at CIBC for a low monthly account fee.
CIBC Not-for-Profit Operating Account.
The CIBC Not-for-Profit Operating Account offers a cost-effective solution to meet the needs of local not-for-profit or community based organizations. This account includes a low monthly account fee and 10 transactions 1 so you can put your organization's money to its best use.
Monthly account fee 3 - $4.00 Transactions included 1,5 - 10/month Each additional transaction $1.00 self-service 7 $1.25 full-service 8 eStatements 10 available at no additional charge through online channels.
CIBC Business Investment Growth Account*
The CIBC Business Investment Growth Account offers the opportunity to earn a competitive rate of return on surplus funds while maintaining full liquidity. It is the perfect complement to your business operating account and provides you with easy access to your funds when you need them.
Daily interest, which is calculated on each day’s end-of-day final balance Competitive tiered interest rates eStatements 10 available at no additional charge through online channels.
Monthly account fee 3 - No charge Each credit transaction 1 $1.00 self-service 7 $1.25 full-service 8 Each debit transaction 1 - $5.00.
For CIBC Business Investment Growth Accounts, interest is credited to your account effective as of the last business day of the calendar month and will be reflected in your account records and available to you two business days after the end of the calendar month. Interest rates quoted are annual and are subject to change without prior notice and are on display at any branch.
CIBC Business Operating Account for Commercial/Large Corporate Clients.
The CIBC Business Operating Account for Commercial/Large Corporate clients is a Canadian dollar account designed to meet all your business banking needs from day-to-day transactions to more complex cash management services.
Minimum monthly account fee - $6.00 Includes one free transaction 1 for every $2,000 held in the account throughout the calendar month 4 Each additional transaction 1 $1.00 self-service 7 $1.25 full-service 8 Minimum monthly account fee is waived if you have no transactions 1 during the calendar month eStatements 10 available at no additional charge through online channels.
Precisa de mais informação?
Contact a CIBC representative or visit a CIBC branch near you.
1-800-465-2422 toll free.
Note: Monthly account fee equals the minimum monthly account fee, or the total of transaction fees for the month less any free transactions, whichever is greater.
* Available to qualified Small Business clients only.
1 Transactions include any debits and credits to your account (excluding CIBC interest credits and fee debits). Debits include, without limitation, withdrawals, cheques, pre-authorized payments, bill payments, INTERAC ® Direct Payments, INTERAC e-Transfer ® payments, direct deposits and transfers to other accounts. Credits include, without limitation, deposits, pre-authorized payments, bill payments, INTERAC Direct Payments, INTERAC e-Transfer payments, and direct deposits and transfers from other accounts (except transfers from CIBC business accounts). Additional charges may apply including, without limitation, INTERAC e-Transfer, "Items Deposited" and "Currency Supplied" fees where applicable. Refer to Additional Services and Charges for details.
2 Cheque deposits include cheques, money orders, drafts and all other clearing items. "Items deposited" charges apply to deposits in excess of 100 cheques or $15,000 cash or $1,000 coin per month; See Additional Services and Charges for details.
3 Monthly fee applies even if there is no account activity. Other fees may apply to the operation of your account; see Additional Services and Charges for details.
4 Free transaction(s) cannot be carried forward for use in subsequent months.
5 If you choose a Flat Fee Package and perform fewer than the allowed number of transactions in a month, the unused transactions cannot be carried forward to subsequent months.
6 Cheque deposits include cheques, money orders, drafts and all other clearing items. "Items deposited" charges apply to deposits in excess of 25 cheques or $3,000 cash or $300 coin per month; See Additional Services and Charges for details.
7 Self-service refers to transactions performed through a Bank Machine, Point of Sale terminal, Wallet Depository Service, CIBC Telephone Banking Automated Service, CIBC Business Contact Centre Automated Service, CIBC Online Banking, CMO, CIBC eDeposit for cash, or CIBC eDeposit for cheques.
8 Full-service refers to transactions performed either in a CIBC Branch, through a CIBC Telephone Banking representative or through a CIBC Business Contact Centre representative.
9 CMO monthly Maintenance fee will apply.
10 eStatements are available once a month at month end on CIBC Online Banking or based on your preferred statement cycle on CIBC Cash Management Online (CMO). To view eStatements on CIBC Online Banking, you must be a Signatory or Co-Signatory and registered for CIBC Online Banking. To view eStatements on CMO, you must be registered for CMO, entitled to one or more business accounts and entitled to eStatements. Included with CMO monthly Maintenance fee.
Need to meet?
Canadian Imperial Bank of Commerce Website - Copyright © CIBC.