Terms & Conditions
Comprehensive governance for the Quilter Trade investment ecosystem. By accessing our platform, you acknowledge and agree to the structured operational standards detailed below.
01 User Eligibility & Security
To utilize the Quilter Trade ecosystem, users must be at least 18 years of age and possess the legal capacity to enter into binding agreements.
Identity Verification
Completion of tiered KYC/AML protocols is mandatory for all deposit and withdrawal activities.
Account Integrity
Users are solely responsible for maintaining 2FA and secure access points to prevent unauthorized capital outflow.
02 Capital Instruments
Execution of trades for Stocks, Bonds, Mutual Funds, and ETFs is subject to market availability and institutional liquidity buffers.
Institutional Bonds
Fixed income instruments are held in custody by regulated third-party entities. Yields are subject to issuer creditworthiness and market fluctuations.
- Maturity dates are fixed and early liquidation may incur substantial penalties.
- Coupon payments are processed based on the underlying asset distribution cycle.
Equity & Mutual Funds
Corporate actions, dividends, and stock splits will be applied to user accounts in accordance with standard market settlement cycles.
- Expense ratios for Mutual Funds are deducted as per the fund manager protocols.
- NAV (Net Asset Value) calculation is performed daily at market close.
03 Managed Portfolios
Our Investment Plans utilize algorithmic modeling and institutional rebalancing to optimize risk-adjusted returns.
Allocations within Investment Plans are subject to change based on internal risk parameter shifts without individual user notification.
Profit targets described in plan tiers are projections based on historical data and do not constitute an absolute guarantee of yield.
04 Self Trading Protocols
Trading across Futures, Margin, Forex, and Commodities requires a comprehensive understanding of leverage and liquidation thresholds.
Leverage & Margin
Margin requirements are dynamically adjusted based on market volatility. Positions will be automatically liquidated if the maintenance margin threshold is crossed.
Futures Expiry
Users are responsible for monitoring contract expiry dates. Open positions at expiry will be settled as per the underlying exchange price.
Forex Execution
Forex pairs are subject to spreads which vary according to liquidity and market timeframes.
Commodity Physicals
Trading in commodities on Quilter Trade is strictly for financial speculation; we do not provide physical delivery.
05 Sector-Specific Terms
Specialized investment sectors incur unique operational rules and custody standards.
Crypto Assets & Digital Liquidity
Digital assets are stored in cold storage where possible. Transaction finality on the blockchain is immutable. Quilter Trade is not liable for errors in wallet addresses provided by the user.
Real Estate & Fixed Income
Investments in REITs or Fixed Income are governed by specific vesting periods. Capital withdrawals from these sectors may require prior clearing agent approval and up to 14 business days.
Alternative Assets
Valuation for alternative assets is performed periodically by third-party appraisal protocols. These represent high-risk profiles and should only constitute a fraction of a balanced portfolio.
06 Prohibited Conduct
Any activity that undermines the integrity of the Quilter Trade ecosystem is strictly prohibited.
Market Manipulation: Including wash trading and spoofing.
Exploitation: System latency abuse and computational arbitrage.
Reverse Engineering: Reverse engineering of proprietary trading algorithms.
Unauthorized Access: Unauthorized account access or credential sharing.
07 Liability & Indemnification
To the maximum extent permitted by law, Quilter Trade and its affiliates shall not be liable for any losses resulting from market volatility, platform downtime, or third-party custody failures.
Arbitration Protocol
All disputes arising from these terms shall be settled through binding international arbitration. Recourse to civil courts is waived by the user upon account activation.