Legal Disclaimer & Terms

High Risk Investment: Forex and CFD trading involves significant risk of loss. The high degree of leverage available in these markets can work against you as well as for you. Before deciding to trade, you should carefully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose.

Market Volatility: Financial markets are inherently unpredictable. Prices can change rapidly and unpredictably due to countless factors including but not limited to: economic news releases, central bank decisions, geopolitical events, natural disasters, market sentiment, liquidity conditions, flash crashes, and factors that cannot be anticipated or controlled.

Technical Risks: Algorithmic trading systems are subject to numerous technical failures including but not limited to:

• Internet connectivity issues or complete outages
• Server downtime, crashes, or hardware failures
• Broker platform outages, maintenance, or technical issues
• Software bugs, glitches, or unexpected behavior
• Execution delays, slippage, or requotes
• Data feed errors or incorrect price quotes
• Power outages affecting any part of the system
• Cyber attacks or security breaches

Additional Risk Factors:

• You may lose MORE than your initial deposit due to leverage
• Leverage amplifies both gains AND losses exponentially
• Market gaps can cause losses far exceeding stop-loss levels
• No trading system is profitable 100% of the time - losses are inevitable
• Broker spreads, commissions, and swap rates reduce profitability
• Regulatory changes may affect trading conditions at any time
• Broker insolvency may result in loss of funds
• Currency conversion may result in additional losses

Everything is "IF" and "MAYBE": All statements regarding potential returns, profits, or performance are conditional and speculative. When we say "you could earn X%" or "projected return is Y", these are hypothetical scenarios based on past data. There is NO certainty that any profit will be achieved. The words "could", "may", "might", "projected", "estimated", and similar terms indicate uncertainty, not promises.

Projections Are Not Promises: Any monthly return percentages, projected earnings, performance metrics, or financial projections shown on our website, pricing calculator, registration page, or any marketing materials are:

• Based entirely on historical trading results which may not repeat
• Hypothetical calculations that assume ideal conditions
• NOT promises, guarantees, or commitments of any kind
• NOT predictions of what will happen in the future
• Subject to change without notice based on market conditions
• Provided for illustrative and educational purposes only

No Profit Guarantee: CFIN makes absolutely NO guarantee of any specific level of profit, return, or income. While our trading system has historically generated returns in certain periods, there is NO assurance that:

• Any positive returns will be achieved
• Historical performance will continue or repeat
• You will not lose money - in fact, losses are highly probable
• The system will remain profitable in any given period
• Your results will match or resemble any displayed metrics

Individual Results Vary Dramatically: Your actual trading results may differ significantly from any displayed averages or projections due to:

• Market conditions at the specific time of your trades
• Your broker's execution quality, spreads, and liquidity
• Account size, leverage, and margin requirements
• Timing of entries, exits, and signal execution
• Slippage, requotes, and order fill rates
• Technical issues affecting your specific account
• Random market movements and "luck" factors

Service Provided "AS IS": The CFIN service is provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Absolute No Liability for Losses: By subscribing to and using the CFIN trading service, you irrevocably acknowledge, agree, and accept that:

• CFIN is NOT responsible for ANY trading losses incurred on your account, regardless of cause
• CFIN will NOT compensate, reimburse, refund, or cover ANY losses under ANY circumstances whatsoever
• You are SOLELY and ENTIRELY responsible for all trading decisions and their outcomes
• The use of algorithmic trading does NOT eliminate, reduce, or mitigate the risk of loss
• You may lose your ENTIRE investment and CFIN bears no responsibility
• Any losses, whether partial or total, are your sole responsibility

No Liability for Technical Issues: CFIN shall NOT be liable for any losses, damages, or missed opportunities resulting from:

• Internet or server connectivity issues at any point in the chain
• MetaTrader 5 platform failures, bugs, crashes, or unexpected behavior
• Broker execution problems, requotes, slippage, or platform issues
• Power outages, hardware failures, or infrastructure problems
• Software errors, bugs, glitches, or unexpected algorithm behavior
• Third-party service interruptions or failures
• Data feed errors, incorrect prices, or delayed information
• Cyber attacks, hacking, or security breaches
• Any other technical failure, anticipated or not

No Liability for Market Events: CFIN is NOT liable for losses due to:

• Market crashes, flash crashes, or extreme volatility
• Economic news releases or unexpected announcements
• Geopolitical events, wars, or natural disasters
• Regulatory changes or broker policy changes
• Liquidity gaps, market closures, or trading halts
• Any market condition, predictable or not

Maximum Liability Cap: In the unlikely event that any liability is established despite these terms, CFIN's total maximum liability shall under no circumstances exceed the lesser of: (a) the subscription fees actually paid by you in the thirty (30) days immediately preceding any claim, or (b) EUR 100. This cap applies regardless of the nature of the claim.

Indemnification: You agree to fully indemnify, defend, and hold harmless CFIN and all its affiliates, officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your use of the service, your breach of these terms, or your violation of any law or rights of any third party.

You Acknowledge and Confirm That:

• You understand that FOREX AND CFD TRADING IS EXTREMELY RISKY and that you MAY LOSE ALL OF YOUR INVESTED CAPITAL
• You are using ONLY money that you can afford to lose COMPLETELY without affecting your financial stability or quality of life
• You have NOT been promised, guaranteed, or assured any specific returns, profits, or performance outcomes
• You understand that ALL performance figures shown are HISTORICAL and do NOT guarantee future results
• You have made your own INDEPENDENT decision to subscribe and use this service
• You have had adequate time and opportunity to review all terms before subscribing
• You have been advised to seek independent financial and legal advice before using this service
• You understand that algorithmic trading carries unique and additional risks beyond manual trading
• You accept that losses, including TOTAL LOSS, are a normal and expected possibility of trading
• You will NOT hold CFIN responsible for ANY losses, regardless of their cause or magnitude

You Understand What CFIN Provides:

• CFIN provides an AUTOMATED TRADE EXECUTION SERVICE - nothing more, nothing less
• CFIN is NOT an investment advisor, portfolio manager, or financial consultant
• CFIN does NOT make personalized recommendations based on your situation
• CFIN does NOT guarantee the success, profitability, or safety of any trades
• CFIN's algorithm may make trades that result in losses - this is normal and expected
• CFIN cannot control market conditions, broker execution, or external factors
• CFIN's past performance statistics reflect HISTORICAL data only

You Waive All Claims Related To:

• Any and all trading losses, whether small or catastrophic
• Missed trading opportunities or suboptimal execution
• Technical failures, outages, or system malfunctions
• Changes to trading strategy, parameters, or algorithm behavior
• Service interruptions, modifications, or discontinuation
• Any discrepancy between expected and actual performance
• Any claim that you were misled, deceived, or given false expectations

No Obligation to Perform: CFIN does not commit to, promise, or guarantee:

• Any specific level of trading performance or returns
• Continuous or uninterrupted service availability
• That the trading algorithm will execute any specific number of trades
• That trades will be executed at any specific prices or times
• That the system will capture any particular market opportunities
• That losses will be limited to any specific amount

No Commitment to Continue Service: CFIN reserves the right to:

• Modify, suspend, or discontinue the service at any time without notice
• Change the trading algorithm, strategy, or parameters without notice
• Limit, restrict, or terminate access to any user for any reason
• Refuse service to anyone at our sole discretion
• Make changes to pricing, terms, or features at any time

Best Effort Only: All services provided by CFIN are on a "best effort" basis. We will attempt to provide a functional trading service but make no commitments that we will succeed in doing so. The service may fail, underperform, or cease to function at any time.

Free Month Policy Disclaimer: The "free month after a loss" policy for existing subscribers is a discretionary goodwill gesture, not a contractual obligation. CFIN reserves the right to modify, suspend, or discontinue this policy at any time without notice. This policy does not constitute a guarantee against losses or an obligation to compensate for poor performance.

What is CFIN? CFIN is an algorithmic trading service that attempts to execute trades automatically on your MetaTrader 5 (MT5) trading account. Our system, known as "Project Amber," uses proprietary technical analysis algorithms to identify potential trading opportunities in the forex market. The system is experimental and may not perform as expected.

How It Attempts to Work:

• Automated Execution: Once configured, the system attempts to trade automatically without manual intervention, though execution is not guaranteed
• Technical Analysis: The algorithm analyzes price patterns, volatility, and market structure to identify potential trade setups
• Risk Management: Each trade includes predefined stop-loss and take-profit levels, though these may not execute at expected prices due to market conditions
• Multiple Pairs: The system may trade across various forex pairs, subject to market conditions and system performance

Trading Strategy (General Description): Our algorithm primarily focuses on breakout patterns and momentum-based entries. It attempts to identify key price levels and enter trades when specific technical conditions are met. The system includes risk management features, but these do not eliminate the risk of significant losses.

NOT Financial Advice: CFIN provides an automated trade execution service only. We are NOT:

• Licensed financial advisors or investment managers
• Providing personalized investment advice
• Making recommendations about your financial situation
• Qualified to advise on tax implications of trading

You should consult with qualified, licensed professionals before making any investment decisions.

Pricing Model: Your monthly subscription fee is calculated based on your declared account size and the monthly return percentage. The return percentage used is the HIGHER of either last month's average return OR the current month's return - whichever value is greater at the time of billing.

Example: If last month's return was 35% and the current month's return is 42%, your fee will be based on 42% (the higher value). For a EUR 5,000 account: EUR 5,000 x 42% = EUR 2,100 potential profit x 40% = EUR 840 monthly fee.

Absolute No Refund Policy:

• ALL subscription fees are final and non-refundable
• NO refunds will be issued for any reason, including but not limited to: dissatisfaction, losses, technical issues, service interruptions, account termination, or any other circumstance
• You may cancel at any time, but cancellation does NOT entitle you to any refund
• Chargebacks or payment disputes may result in immediate account termination and potential legal action
• By subscribing, you waive any right to dispute charges with your payment provider

Cancellation Policy:

• You may cancel your subscription at any time through your dashboard
• Upon cancellation, service continues until the end of the current billing period
• NO partial refunds, pro-rated refunds, or credits will be provided
• Cancellation does not affect charges already processed
• You remain responsible for any fees incurred before cancellation

Billing Terms:

• Subscriptions are billed monthly in advance
• Payment is processed via Stripe (credit/debit card, Apple Pay, Google Pay, SEPA, Bancontact)
• New subscribers can choose between: 1-Day Trial (EUR 15) with a 24-hour countdown before monthly billing begins, or Immediate Activation paying the full monthly fee upfront
• Trial countdown starts immediately upon activation and runs continuously (no pauses for weekends or market hours)
• After trial expiration, you have a 24-hour grace period to pay before your account is deactivated
• Failed payments may result in immediate service suspension
• CFIN reserves the right to change pricing at any time

Optional Add-Ons:

• Mid-Month Withdrawals (+EUR 15/month): Allows you to withdraw funds from your trading account at any time during your subscription period without pausing trading
• Mid-Month Deposits (+EUR 15/month): Allows you to deposit additional funds into your trading account during your subscription period without pausing trading
• Manual Trading (+EUR 15/month): Allows you to place your own trades alongside the automated algorithm. Without this add-on, manual trading is prohibited and may result in account termination

Referral Program:

• Each registered user receives a unique referral code (e.g., "CFIN1A2B3C")
• When a new user signs up using your referral code, you receive a EUR 5 discount on your next monthly billing cycle
• Referral discounts are applied automatically to your next invoice
• The referred user also receives a EUR 5 discount on their first month (dual-discount: both referrer and referee benefit)
• Referral discounts are non-transferable and have no cash value
• CFIN reserves the right to modify or discontinue the referral program at any time
• Abuse of the referral system (e.g., creating fake accounts, self-referrals) will result in immediate termination without refund

Promotional (Promo) Codes:

• Promo codes may be issued by CFIN for marketing campaigns, partnerships, or special promotions
• Promo codes provide either a percentage discount or fixed EUR amount off your subscription
• Each promo code can only be used once per user
• Promo codes cannot be combined with other promo codes (one code per subscription)
• Referral discounts and promo codes may be combined unless otherwise specified
• Promo codes have expiration dates and usage limits set by CFIN
• CFIN reserves the right to invalidate or modify promo codes at any time
• Promo codes have no cash value and are non-transferable

Broker Requirement:

• CFIN Trading requires a Blueberry Markets Raw account with MetaTrader 5
• You can create your account via our setup guide

Account Size Declaration: You must accurately declare your trading account size. CFIN reserves the right to verify your account balance and adjust pricing accordingly. Deliberately understating your account size constitutes fraud and may result in immediate termination without refund and potential legal action.

Deposit Restrictions: By default, deposits (adding funds) to your trading account during an active subscription period are not permitted. If a deposit is detected, trading will be automatically paused. You can enable mid-month deposits as an optional add-on (+EUR 15/month) to add funds without pausing trading.

Withdrawal Restrictions: By default, withdrawals are not permitted during active subscription periods. Withdrawals can be enabled as an optional add-on (+EUR 15/month). Unauthorized withdrawals will pause trading and may result in termination.

Manual Trading: By default, manual trading is not permitted on accounts where CFIN is active. Manual trading can be enabled as an optional add-on (+EUR 15/month). Without this add-on, manual trades may interfere with the algorithm and cause unexpected behavior. CFIN accepts NO liability for any issues arising from manual trading, even if the add-on is enabled. Your account may be terminated without refund if unauthorized manual trading is detected.

Membership Eligibility (Invite-Only):

• CFIN operates as an invite-only service. You cannot register without a valid invitation code from an existing member.
• Each member receives a personal referral code that can be used to invite up to 3 people.
• A valid invitation code must be entered and verified during registration before you can complete the signup process.
• Invitation codes that have reached their usage limit (3 referrals) cannot be used for new registrations.
• Both the new member and the referring member receive a discount (EUR 5 each) as part of the referral program.
• You must be at least 21 years of age to register.

Broker Requirements:

• Currently, only Blueberry Markets Raw accounts are supported
• Raw account type is required for optimal execution
• Minimum account size: EUR 500
• Maximum account size: EUR 10,000 (contact support for larger accounts)
• Account must be funded and verified before activation

Algorithm Performance Variability:

• Algorithms that performed well historically may FAIL COMPLETELY in future market conditions
• Market regime changes can render trading strategies ineffective overnight
• Backtested results do NOT reflect real-world execution quality, slippage, or market impact
• Optimization and curve-fitting may create strategies that only work on past data
• Competition from other algorithms may erode profitability over time

Automated Execution Risks:

• The algorithm may execute many trades in rapid succession, amplifying losses
• Stop-loss orders may not execute at expected prices during fast market moves
• The system may continue trading during adverse conditions when a human would stop
• Bugs or unexpected behavior may cause the algorithm to trade erratically
• Communication delays between servers may cause missed or duplicate trades
• Position sizing errors can result in trades much larger or smaller than intended

System Dependency Risks:

• The EA (Expert Advisor) requires continuous connection to function - any disconnection may cause issues
• Your broker's MT5 servers must be operational for trades to execute
• CFIN's servers must be online for the algorithm to receive signals
• Internet connectivity issues at any point can disrupt trading
• Power failures, hardware issues, or software updates may interrupt service
• Broker maintenance windows may occur at critical times

No Human Judgment: Unlike manual trading where a human can assess unusual situations and exercise discretion, algorithmic trading follows programmed rules without judgment. The algorithm:

• Cannot assess whether market conditions are "unusual" or dangerous
• Will continue following its rules even in extreme or unprecedented events
• Cannot factor in news events or geopolitical developments not in its data
• May make decisions that a human trader would recognize as inappropriate
• Operates without emotion, which can be both advantageous and dangerous

You Acknowledge:

• Algorithmic trading is not a "set and forget" solution - monitoring is still required
• You remain solely responsible for your account regardless of automation
• CFIN is not liable for any losses caused by algorithmic trading behavior
• You should never allocate more capital than you can afford to lose completely

Information Collection: We collect the following data to provide and improve our service:

• Personal Information: Name, email address, phone number, date of birth, address, country of residence
• Identity Verification (KYC): Government-issued ID, proof of address, tax identification number
• Financial Information: Payment card details (processed by Stripe), subscription information, billing history
• MT5 Credentials: Login, password, server details (encrypted using AES-256 and stored securely)
• Trading Data: Account balance, equity, trades, positions, profit/loss, performance metrics
• Technical Data: IP address, browser type, device information, cookies, usage logs
• Communication Data: Support tickets, emails, chat messages

Legal Basis for Processing: We process your data under the following legal bases:

• Contractual Necessity: To provide the trading service you subscribed to
• Consent: Where you have explicitly consented (e.g., marketing communications)
• Legal Obligation: To comply with AML, KYC, and tax regulations
• Legitimate Interest: To prevent fraud, improve security, and enhance service quality

How We Use Your Data:

• Provide, operate, and maintain the CFIN trading service
• Process payments and manage subscriptions
• Connect to your MT5 account and execute trades
• Monitor account performance and generate reports
• Verify your identity (KYC/AML compliance)
• Send service notifications, alerts, and account updates
• Provide customer support
• Detect and prevent fraud, security threats, and abuse
• Analyze usage patterns to improve the service
• Comply with legal and regulatory requirements

Data Sharing & Third Parties: We may share your data with:

• Stripe: Payment processing (PCI-DSS compliant)
• Resend: Email delivery service
• MTAPI.io: MT5 connectivity and trade execution
• Blueberry Markets: Your broker (MT5 server connection)
• Cloud Infrastructure Providers: Hosting and data storage
• Legal Authorities: When required by law or to prevent illegal activity

We do NOT sell your personal data to third parties. All third-party service providers are contractually bound to protect your data.

Data Retention:

• Active Accounts: Data retained for the duration of your subscription
• Cancelled Accounts: Personal data deleted within 30 days unless required by law
• Trading Records: Retained for 7 years for tax and regulatory compliance
• KYC Documents: Retained for 5 years after account closure per AML regulations
• Financial Records: Retained as required by accounting and tax laws

Your GDPR Rights: You have the following rights regarding your personal data:

• Right of Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request deletion of your data (subject to legal retention requirements)
• Right to Restriction: Limit how we use your data
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time (e.g., marketing emails)
• Right to Lodge a Complaint: File a complaint with your national data protection authority

To exercise your rights, contact us at privacy@cfin.be. We will respond within 30 days.

Data Security: We implement industry-standard security measures:

• AES-256 encryption for MT5 credentials and sensitive data
• TLS/SSL encryption for all data transmission
• Secure database storage with access controls
• Regular security audits and vulnerability assessments
• Two-factor authentication for admin access
• Automatic session timeouts and activity monitoring

However, no system is 100% secure. We cannot guarantee absolute security and are not liable for unauthorized access due to hacking, data breaches, or security vulnerabilities.

Cookies & Tracking: We use cookies to enhance user experience:

• Essential Cookies: Required for login, session management, and core functionality (cannot be disabled)
• Functional Cookies: Remember preferences (theme, currency, language)
• Analytics Cookies: Track usage patterns to improve the service (anonymized)
• Security Cookies: Detect suspicious activity and prevent fraud

We do NOT use advertising or tracking cookies from third parties. You can manage cookie preferences in your browser settings. For detailed information, see our Cookie Policy (accessible via footer).

International Data Transfers:

• Your data may be transferred to and processed in countries outside the European Economic Area (EEA)
• We ensure adequate safeguards are in place (Standard Contractual Clauses, adequacy decisions)
• By using CFIN, you consent to international data transfers as necessary for service delivery

Email Communications: By registering, you consent to receive:

• Transactional Emails: Account notifications, trading alerts, payment confirmations (cannot opt-out)
• Service Updates: Important changes to the service, terms, or pricing
• Marketing Communications: Promotional offers, newsletters (opt-out available)

You can unsubscribe from marketing emails using the link in each email or by contacting support@cfin.be.

Children's Privacy:

• CFIN is NOT intended for individuals under 21 years of age
• We do not knowingly collect data from minors
• If we discover a user is under 21, we will immediately terminate their account and delete their data

Your Right to Cancel: You may cancel at any time. Upon cancellation:

• Service continues until end of current billing period
• NO refunds will be provided under any circumstances
• Your MT5 credentials will be deleted

Our Right to Terminate: CFIN may terminate or suspend your subscription immediately, without refund, if:

• You violate any terms in this agreement
• Payment fails or is disputed
• Fraudulent activity is suspected
• You provide false information
• Technical issues prevent service
• For any other reason at our sole discretion

Service Discontinuation: CFIN may discontinue the entire service at any time. We will attempt to provide notice but are not obligated to do so. No refunds will be provided upon discontinuation.

Restricted Countries: CFIN reserves the right to restrict or deny access to users from certain countries, including but not limited to:

• Countries subject to international sanctions or embargoes
• Jurisdictions where forex trading or algorithmic trading is prohibited
• Countries where we cannot provide adequate regulatory compliance
• Regions designated as high-risk for financial crimes

Your Responsibility: You confirm that:

• You are not a resident of, or located in, any restricted jurisdiction
• You will not use VPN, proxy, or other means to circumvent geographic restrictions
• You are in full compliance with all local laws regarding forex trading
• You will immediately notify CFIN if your residency or location changes

Immediate Termination: If we discover you are accessing CFIN from a restricted jurisdiction, your account will be immediately terminated without refund, and we may report such activity to relevant authorities.

Ownership: All content, software, algorithms, trading strategies, code, graphics, designs, logos, trademarks, and other intellectual property associated with CFIN and Project Amber are the exclusive property of CFIN or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

CFIN™ and Project Amber™ are trademarks of CFIN. Unauthorized use of these marks is strictly prohibited.

Prohibited Actions: You may NOT:

• Copy, reproduce, distribute, or create derivative works of any CFIN software or algorithms
• Reverse engineer, decompile, or disassemble any part of the trading system
• Extract, scrape, or copy trading signals, strategies, or performance data
• Use CFIN's name, logo, or trademarks without written permission
• Share, sell, or redistribute your MT5 EA files or access credentials
• Attempt to access or copy source code, databases, or proprietary systems

License Grant: CFIN grants you a limited, non-exclusive, non-transferable, revocable license to use the service solely for your personal trading. This license does not grant you any ownership rights.

DMCA Compliance: We respect intellectual property rights. If you believe your work has been infringed, contact us at info@cfin.be.

Enforcement: Violation of intellectual property rights may result in immediate termination, legal action, and claims for damages.

Required Information: To comply with regulations, we may require:

• Government-issued photo identification (passport, driver's license, national ID)
• Proof of address (utility bill, bank statement, less than 3 months old)
• Source of funds documentation
• Tax identification number or equivalent
• Additional information as required by regulators

Verification Timeline: You may be required to complete verification:

• Before activating your account
• Before processing large transactions
• Periodically as part of ongoing compliance
• If suspicious activity is detected

Consequences of Non-Compliance:

• Service may be suspended until verification is completed
• Account may be terminated if verification is not provided within required timeframe
• Suspicious activity may be reported to relevant authorities as required by law
• No refunds will be provided for accounts terminated due to compliance failures

Data Usage: KYC information is stored securely and used solely for compliance purposes. We may share this information with financial authorities if required by law.

Prohibited Activities: The following activities are strictly prohibited and may result in immediate account termination and reporting to authorities:

• Money laundering or terrorist financing
• Providing false or fraudulent identification documents
• Using CFIN for illegal activities
• Structuring transactions to avoid reporting requirements

Notification of Changes:

• Material changes will be posted on this page with an updated "Last Updated" date
• We may (but are not obligated to) notify you by email or through the dashboard
• It is your responsibility to review these terms periodically
• Continued use of the service after changes constitutes acceptance of modified terms

Types of Modifications: We may modify:

• Pricing, fee structures, or billing terms
• Service features, functionality, or availability
• Account rules, restrictions, or requirements
• Legal disclaimers, liability limitations, or risk disclosures
• Any other aspect of the service or these terms

Your Options: If you do not agree with modified terms:

• You may cancel your subscription immediately
• Cancellation does NOT entitle you to any refund
• You must discontinue use of the service

Binding Effect: By continuing to use CFIN after changes are posted, you agree to be bound by the modified terms, whether or not you have explicitly reviewed them.

No Liability for Uncontrollable Events: CFIN shall not be liable for any failure or delay in performing its obligations under these terms if such failure or delay is due to circumstances beyond our reasonable control, including but not limited to:

Acts of God & Natural Disasters:

• Earthquakes, floods, hurricanes, tornadoes, tsunamis
• Fires, explosions, or other natural catastrophes
• Pandemics, epidemics, or public health emergencies
• Extreme weather conditions affecting infrastructure

Technical & Infrastructure Failures:

• Internet service provider failures or backbone outages
• Power grid failures or prolonged power outages
• Data center failures, hardware malfunctions, or server crashes
• Distributed Denial of Service (DDoS) attacks or cyber attacks
• Third-party service failures (Stripe, MetaTrader, broker platforms)

Government Actions & Regulations:

• Government orders, laws, regulations, or restrictions
• Trading halts, market closures, or regulatory suspensions
• Sanctions, embargoes, or trade restrictions
• Nationalization, expropriation, or confiscation

Market Conditions & Financial Events:

• Market crashes, flash crashes, or extreme volatility
• Broker insolvency or failure
• Currency devaluation or market manipulation
• Liquidity crises or trading suspensions

War, Terrorism & Civil Unrest:

• War, invasion, armed conflict, or acts of terrorism
• Civil unrest, riots, or insurrection
• Strikes, labor disputes, or work stoppages

Effect of Force Majeure: In the event of a force majeure:

• CFIN's obligations under these terms shall be suspended
• No refunds, credits, or compensation will be provided
• CFIN may suspend or terminate the service
• CFIN shall not be liable for any losses incurred during the event

Duration: The suspension shall continue for the duration of the force majeure event. If the event continues for more than 30 days, either party may terminate the agreement without liability.

Governing Law: This agreement shall be governed by and construed in accordance with the laws of Belgium, without regard to conflicts of law principles.

Dispute Resolution: Any disputes arising from this agreement or your use of the service shall be resolved through binding arbitration in Belgium. You waive any right to participate in class action lawsuits or class-wide arbitration.

Waiver of Jury Trial: You waive any right to a jury trial in connection with any dispute arising from this agreement.

Limitation Period: Any claim arising from this agreement must be brought within one (1) year of the event giving rise to the claim, or the claim is permanently barred.

Severability: If any provision of this agreement is found unenforceable, the remaining provisions remain in full effect.

Entire Agreement: This disclaimer constitutes the entire agreement between you and CFIN regarding the service and supersedes all prior agreements.

By subscribing to and using the CFIN trading service, you irrevocably acknowledge and agree that:

• You are at least 21 years of age and can provide proof if requested
• You are legally permitted to trade forex in your jurisdiction
• You fully understand and accept all risks involved in forex trading
• You are investing ONLY funds you can afford to lose ENTIRELY
• You have NOT relied on any guarantees, promises, or predictions of profit
• You understand that all projections are hypothetical and not guaranteed
• You accept that NO refunds will be provided under any circumstances
• You waive any claims against CFIN for losses of any kind
• You have read and understood this ENTIRE disclaimer
• You have had the opportunity to seek independent legal advice