Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," "your") and NIXAFIRM Ltd, a company registered in England and Wales (Company No. 12345678), with its registered office at 1 Financial Square, London, EC2V 8RT ("NIXAFIRM," "we," "us," "our").

By creating an account, accessing, or using any part of the NIXAFIRM platform, website, mobile application, or related services (collectively, the "Services"), you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, Risk Disclosure, and any other policies published on our platform.

2. Eligibility

To use NIXAFIRM Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher)
• Reside in a jurisdiction where use of our Services is permitted under applicable law
• Not be a resident of the United States, North Korea, Iran, or any jurisdiction subject to comprehensive international sanctions
• Have the legal capacity to enter into binding contracts
• Not be a politically exposed person (PEP) without prior written approval from our compliance team
• Pass our identity verification (KYC) process before certain features are enabled

We reserve the right to refuse service to anyone at our sole discretion. Making a false declaration about your eligibility constitutes a material breach of these Terms.

3. Account Registration & Security

When registering, you agree to provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials and two-factor authentication
• All activities that occur under your account, whether authorised by you or not
• Notifying us immediately of any unauthorised access or suspected breach at security@nixafirm.com
• Ensuring only one account per person — multiple accounts are prohibited and will result in all accounts being suspended
• Keeping your contact information current so we can reach you regarding your account

We will never ask for your password via email, phone, or chat. Any request for your password is fraudulent.

4. Our Services

NIXAFIRM provides the following financial services, all subject to successful KYC verification and account approval:

• Investment Plans: Fixed-term investment products with defined return rates
• Stock Trading: Purchase and sale of fractional equity shares
• Forex Trading: Contracts for difference (CFDs) on currency pairs and commodities
• Copy Trading: Automated replication of verified expert trader positions
• Wallet Services: Multi-currency digital wallet for deposits, withdrawals, and internal transfers
• Referral Programme: Commission-based affiliate scheme

Services may be modified, suspended, or discontinued at any time. We will provide reasonable notice where possible. Some services may not be available in all jurisdictions.

5. Deposits & Withdrawals

5.1 Deposits

All deposits must originate from accounts or wallets in your own name. Third-party deposits are prohibited. We reserve the right to hold, return, or report funds of unclear origin to regulatory authorities.

5.2 Withdrawals

Withdrawals are processed within 24–48 business hours subject to compliance review. We may delay or decline withdrawals in cases of suspected fraud, pending AML investigation, or regulatory requirement. A 2% processing fee applies to all withdrawals.

5.3 Source of Funds

By depositing funds, you confirm that they are from lawful sources and you have the right to deposit them. NIXAFIRM is required by law to file Suspicious Activity Reports (SARs) for transactions that raise AML concerns.

6. Investments

Investment plans are subject to the following conditions:

• Principal is locked for the duration of the plan and cannot be withdrawn early
• Earned profits (wallet balance) may be withdrawn at any time
• Returns are not guaranteed and are subject to market conditions
• Historical ROI rates do not guarantee future performance
• NIXAFIRM may adjust plan terms with 14 days' prior notice for future plans

7. Trading (Forex & Stocks)

Trading involves substantial risk of loss. You acknowledge that:

• CFD and forex trading with leverage can result in losses exceeding your initial deposit
• Past performance is not indicative of future results
• You are solely responsible for all trading decisions
• NIXAFIRM provides trading tools but does not provide investment advice
• Stop-loss orders do not guarantee against losses in fast-moving markets (slippage)
• We reserve the right to close positions in extreme market conditions or for risk management purposes

8. Fees & Charges

Current fee schedule:

• Account opening: Free
• Deposits: Zero NIXAFIRM fees (network/bank fees may apply)
• Withdrawals: 2% processing fee
• Stock trades: Zero commission
• Forex spreads: From 0.1 pips (see individual pair specifications)
• Overnight/swap fees: Applied to open forex positions held past 10pm GMT
• Copy trading performance fee: 15–25% of profits (set by each trader)

We reserve the right to introduce new fees with 30 days' written notice. Existing plan investments will not be subject to new fees retroactively.

9. Prohibited Activities

You must not use NIXAFIRM for:

• Money laundering, terrorist financing, or any illegal financial activity
• Market manipulation, spoofing, or wash trading
• Providing false information during registration or KYC
• Operating multiple accounts or sharing accounts with others
• Using automated bots or scripts to interact with our platform without written consent
• Any activity that compromises platform security or other users' accounts
• Exploiting technical errors or bugs (must be reported to security@nixafirm.com)
• Circumventing geographic restrictions through VPNs or proxies

Violations will result in immediate account suspension, forfeiture of profits, and potential criminal referral.

10. Intellectual Property

All content, software, designs, trademarks, and technology on the NIXAFIRM platform are owned by NIXAFIRM Ltd or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the platform for your personal investment purposes only. You may not copy, reproduce, distribute, or create derivative works without written consent.

11. Limitation of Liability

To the maximum extent permitted by law, NIXAFIRM shall not be liable for:

• Investment losses arising from market conditions
• Losses resulting from your own trading decisions
• Indirect, consequential, or incidental damages
• Platform downtime outside our control (force majeure, infrastructure failures)
• Losses from unauthorised access to your account where you failed to maintain security

Our maximum aggregate liability to you shall not exceed the total fees paid by you to NIXAFIRM in the 12 months preceding the claim.

12. Account Termination

Either party may close an account with 30 days' notice. We may suspend or terminate accounts immediately for:

• Breach of these Terms
• Suspected fraud or illegal activity
• Failed KYC verification
• Regulatory requirement
• Extended inactivity (24+ months with no login)

Upon termination, your available wallet balance will be returned to your verified payment method, less any applicable fees. Invested principals in active plans will be returned upon natural plan maturity.

13. Governing Law & Disputes

These Terms are governed by the laws of England and Wales. Any dispute shall first be referred to our internal complaints procedure. If unresolved within 8 weeks, you may refer the matter to the Financial Ombudsman Service (FOS) or seek resolution through the courts of England and Wales.

Complaints: complaints@nixafirm.com | NIXAFIRM Ltd, 1 Financial Square, London, EC2V 8RT