Terms of Service

1 Acceptance of Terms

By accessing or using the InstantCopyTraders platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Service. The Service is operated by InstantCopyTraders ("we", "us", "our") from the Republic of Colombia.

These Terms, together with our Privacy Policy and Risk Disclosure, constitute the entire agreement between you and InstantCopyTraders regarding your use of the Service.

2 Description of Service

InstantCopyTraders is a technology platform that enables strategy providers ("Traders") to share trading strategies and individuals ("Copiers") to copy those strategies to their own brokerage accounts via MetaTrader 4 (MT4) or MetaTrader 5 (MT5) server-side connectivity.

InstantCopyTraders does not:

• Provide investment advice, recommendations, or portfolio management services.
• Act as a broker, dealer, custodian, or financial institution.
• Hold, manage, or have access to client funds.
• Execute trades directly — all trade execution occurs on the user's own brokerage account with their chosen broker.
• Guarantee the accuracy, completeness, or timeliness of any trading strategy.

3 Account Registration

To use the Service, you must create an account with accurate, complete information. By registering, you represent and warrant that:

• You are at least 18 years of age (or the legal age of majority in your jurisdiction).
• You have the legal capacity to enter into binding contracts.
• All information you provide is accurate and current.
• You are not located in a jurisdiction where use of copy trading services is prohibited.
• You are not subject to any sanctions or restrictions imposed by any governmental authority.

You are responsible for maintaining the confidentiality of your account credentials and API keys. Each individual may maintain only one account; creating multiple accounts to circumvent fees, restrictions, or platform rules is a violation of these Terms and grounds for immediate account termination with all outstanding fees becoming immediately due.

4 Performance Fees

All Traders charge a fixed performance fee of 30% (thirty percent). Copiers are charged this performance fee only on net profits generated above the high-water mark ("HWM").

4.1 High-Water Mark

The HWM is the highest cumulative profit level achieved for a specific Copier-Trader pair. Performance fees are only charged on new profits that exceed the HWM. If a billing period results in a net loss or no profit above the HWM, no performance fee is charged. The HWM is updated after each successful fee payment.

4.2 Billing Cycle

Performance fees are calculated weekly and invoiced every Monday for the preceding week's performance (Monday through Sunday). Invoices detail the gross P&L, applicable HWM, net profit above HWM, and calculated fee amount.

4.3 Grace Period

Copiers have a grace period of 3 calendar days from invoice date to make payment. Failure to pay within the grace period will result in immediate suspension of copy access until payment is received in full.

5 Performance Fee Structure

InstantCopyTraders charges a fixed 30% performance fee on profits above the high-water mark. This fee is split as follows: 20% goes to the Trading Provider (adjustable per strategy, 0-20%), 8% forms the affiliate pool (minimum) distributed across multi-level referral trees, and 2% is a lifetime finder's fee paid to whoever originally referred the user to the platform. Traders can lower their share to increase the affiliate pool and attract more promotion.

Example: If a Copier generates $1,000 in profit, the 30% performance fee is $300. Of this, $200 goes to the Trader (at default 20% share), $80 is distributed across the affiliate tree, and $20 is the finder's fee. The Copier always pays the same 30% fee regardless of how it is split.

This fee covers trader compensation, affiliate commissions, and referral incentives. The platform earns only from the undistributed portion of the affiliate pool when affiliate levels do not claim the full pool.

5.1 Payment Processing & Stripe Transfer Fees

All payouts to Trading Providers, affiliates, and finders are processed through Stripe Connect. Each payout transfer incurs a Stripe processing fee (currently 0.25% + $0.25 per transfer), which is deducted by Stripe from the recipient's payout amount. Recipients receive the net amount after the Stripe fee deduction.

Example: If a Trading Provider is entitled to $20.00, the Stripe transfer fee of $0.30 (0.25% of $20 + $0.25) is deducted by Stripe, and the provider receives $19.70. The same applies to affiliate commissions and finder's fees.

These fees are charged by our payment processor (Stripe) and are not retained by InstantCopyTraders. By using the platform, you acknowledge and agree that payment processing fees will be deducted from your earned payouts.

6 Payment Terms

Payments are processed via:

• Credit/Debit Card: Processed securely by Stripe. Payouts to Trading Providers and affiliates are distributed via Stripe Connect.

All fees are denominated in United States Dollars (USD). By subscribing to a Trader, you authorize the collection of performance fees as described in these Terms.

Non-Payment Consequences: Unpaid invoices after the 3-day grace period will result in: (a) immediate suspension of copy access across all subscriptions, (b) continued accrual of any performance fees during the suspension period, and (c) potential account termination for repeated non-payment. Outstanding fees survive account termination and remain collectible.

6.1 Fee Review & Adjustment

InstantCopyTraders reserves the right to review, adjust, withhold, or reverse any performance fees or affiliate commissions if we identify:

• Billing discrepancies or calculation errors (e.g., incorrect high-water mark, duplicate invoices, or rounding issues).
• System errors, technical failures, or data inconsistencies that affected fee calculations.
• Suspected fraudulent activity, fee manipulation, or abuse of the billing system.
• Payment processing failures, chargebacks, or unresolved payment disputes.

Copier protection: In any case where a fee is under review, the disputed amount will not be collected from the Copier until the review is complete. If a fee is reversed or adjusted, the Copier will be refunded or credited accordingly.

Provider and affiliate notification: If a fee adjustment affects a Trading Provider's earnings or an affiliate's commissions, we will notify the affected parties promptly and provide a clear explanation of the issue. Providers and affiliates will have 30 calendar days from the date of notification to review the adjustment and raise any concerns with our support team.

We exercise this right in good faith, solely to ensure billing accuracy and protect all platform participants. Routine adjustments (such as correcting a system error) are not penalties and do not affect your account standing.

7 Cancellation Policy

Copiers may cancel their subscription to any Trader at any time, with no minimum commitment period. Upon cancellation, no new trades will be copied. Any accrued performance fees for the current billing period up to the cancellation date remain due and payable. Cancellation does not waive outstanding fee obligations.

8 Affiliate Program

Traders may offer affiliate commissions for referrals through a multi-level affiliate program. Key terms:

• Affiliate commissions are calculated as a percentage of the performance fee and are paid from the 10% affiliate and finder's fee pool (8% multi-level affiliate tree + 2% lifetime finder's fee).
• Traders configure the number of affiliate levels and commission rates at their sole discretion.
• Affiliates must not use deceptive, misleading, or spam-based methods to generate referrals.
• InstantCopyTraders reserves the right to suspend or terminate affiliate programs found to be engaged in fraudulent referrals, click fraud, or any form of abuse.
• Affiliate commissions are paid on the same billing cycle as performance fees.

9 Risk Disclosure

Trading in financial instruments involves a high level of risk and may result in loss of all invested capital.

Past performance of any Trader on this platform does not guarantee or indicate future results. You should not trade with money you cannot afford to lose. InstantCopyTraders does not guarantee the accuracy, completeness, or profitability of any trading strategy. By using this Service, you acknowledge that you have read, understood, and accepted the full Risk Disclosure and the risks associated with leveraged trading.

10 Intellectual Property

The InstantCopyTraders platform, including its design, code, content, logos, and trademarks, is the property of InstantCopyTraders and is protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without prior written consent. Trading strategies remain the intellectual property of their respective Traders.

11 Prohibited Conduct

Users may not:

• Create multiple accounts or share account access with third parties.
• Share, redistribute, or resell API keys or trading strategies received through the platform.
• Reverse-engineer, decompile, or scrape the platform or its data.
• Use the Service for money laundering, terrorism financing, or any illegal activities.
• Manipulate trading strategies, performance data, or platform metrics.
• Circumvent fee collection mechanisms, billing enforcement, or access restrictions.
• Use automated systems (bots, scrapers) to access the platform beyond the provided API.
• Engage in wash trading, spoofing, or other forms of market manipulation.
• Harass, threaten, or abuse other users of the platform.
• Transmit viruses, malware, or other harmful code.
• Impersonate another person, entity, or InstantCopyTraders personnel.

12 Limitation of Liability

The Service is provided "AS IS" and "AS AVAILABLE" without 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.

To the fullest extent permitted by applicable law, in no event shall InstantCopyTraders, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or anticipated savings.
• Trading losses resulting from copied trades.
• Losses due to technical failures, latency, or execution differences.
• Loss of data or unauthorized access to your account.
• Any damages arising from interruption of service.

Our total aggregate liability for any claim arising from or related to these Terms shall not exceed the total fees you have paid to InstantCopyTraders in the 12 months preceding the claim.

13 Indemnification

You agree to indemnify, defend, and hold harmless InstantCopyTraders, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any applicable laws or regulations, or (d) your violation of any rights of a third party.

14 Termination

We reserve the right to suspend or terminate accounts that violate these Terms, at our sole discretion, with or without notice. Users may close their account at any time by contacting support, provided all outstanding fees have been settled.

Upon termination: (a) your right to use the Service immediately ceases, (b) all active subscriptions are cancelled, (c) any accrued but unpaid fees remain due and payable, and (d) provisions that by their nature should survive termination (including liability limitations, indemnification, and dispute resolution) shall survive. For information on data deletion upon account closure, including your rights under the GDPR if you are an EU user, please see our Privacy Policy, Section 14.

15 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of Colombia, without regard to its conflict of law provisions. Any legal proceedings not resolved through the dispute resolution process below shall be brought before the competent courts of Bogotá, Colombia, and you agree to submit to the personal jurisdiction of such courts.

15.1 Step 1: Informal Resolution

Before initiating any formal dispute resolution process, you agree to first contact us at legal@instantcopytraders.com with a written description of the dispute, including your account details, the nature of the complaint, and the relief you seek. We will attempt to resolve the dispute informally within 30 calendar days from receipt of your notice. Most disputes are resolved at this stage.

15.2 Step 2: Mediation

If the dispute is not resolved through informal resolution within the 30-day period, either party may propose mediation. The mediation shall be conducted by a mutually agreed-upon mediator. If the parties cannot agree on a mediator within 14 days, either party may request that a mediation body in Bogotá, Colombia appoint one. Each party shall bear its own costs of mediation, and the mediator's fees shall be shared equally. The mediation process shall not exceed 60 calendar days unless both parties agree to extend it.

15.3 Step 3: Binding Arbitration

If mediation fails to resolve the dispute, either party may submit the dispute to binding arbitration as an alternative to court litigation. The arbitration shall be conducted in Bogotá, Colombia under the rules of the Centro de Arbitraje y Conciliación de la Cámara de Comercio de Bogotá (Arbitration and Conciliation Center of the Bogotá Chamber of Commerce). The arbitration shall be conducted by a single arbitrator, and the language of the proceedings shall be Spanish or English (at the claimant's election). The arbitrator's decision shall be final, binding, and enforceable in any court of competent jurisdiction.

Notwithstanding the above, either party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights or to address urgent matters that cannot wait for arbitration.

15.4 EU Users: Additional Rights

If you are a consumer residing in the European Union or European Economic Area, the following additional provisions apply:

• Local Consumer Protection: Nothing in these Terms restricts your right to file a complaint with the consumer protection authority in the EU/EEA Member State of your habitual residence. You may also bring proceedings before the courts of your Member State of domicile.
• Online Dispute Resolution (ODR): The European Commission provides an Online Dispute Resolution platform for consumers, accessible at https://ec.europa.eu/consumers/odr. You may use this platform to submit a complaint regarding our services. Our contact email for ODR purposes is legal@instantcopytraders.com.
• Mandatory Consumer Protections: If mandatory consumer protection laws in your country of residence provide you with rights that cannot be waived by contract, those rights shall prevail over any conflicting provisions in these Terms.

For EU users, the dispute resolution steps above (informal resolution, mediation, arbitration) are offered as options and do not restrict your statutory rights. For information on how we handle your personal data in relation to disputes, please see our Privacy Policy, Section 14 (GDPR).

16 Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to registered users via email at least 14 days before taking effect. Non-material changes become effective upon posting. Continued use of the Service after the effective date constitutes acceptance of the modified Terms.

17 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

18 Contact

For questions about these Terms of Service, please contact us: