Terms of use

Contents:

1. Introduction and Nature of the Services Provided

2. Access to and Use of the Website

3. User Accounts and User-Generated Content

4. Intellectual Property Rights

5. Limitation of Liability and Disclaimer of Warranties

6. Privacy, Data Protection and Cookies

7. Governing Law, Jurisdiction and Dispute Resolution

8. Amendments to the Terms and Termination of Access

9. Miscellaneous

10. Contact Information

• 1.1

  Introduction

  These Terms of Use (the “Terms”) govern access to and use of the website https://tradersunion.com (the “Website”), operated by IAFT LTD, registered at: 6 Vasili Vryonides Street, Gala Court Chambers, 5th Floor, Offices 501–502, Office O, 3095 Limassol, Cyprus (the “Company”). The Website operates under the brand name “Traders Union” (also “we”, “us”, “our”).

  By accessing or using the Website, you (the “user”, “you”) confirm that you have read, understood, and agree to comply with these Terms and any other policies and disclosures referenced herein. If you do not agree to these Terms, you must stop using the Website.

• 1.2

  Nature of the services provided

  Traders Union operates an informational and educational online platform intended to provide users with general market information, analytical materials, comparisons, rankings, editorial content, and user-generated content relating to brokers, trading platforms, and financial markets.

  The Website provides general, non-personalised information only and does not take into account any user’s individual investment objectives, financial situation, or other personal circumstances.

  The Website’s content and functionality are intended solely for informational, educational, and comparative purposes.

• 1.3

  No investment advice or recommendations

  Nothing on the Website is, or should be construed as:

  • • investment advice;

  • • a personal or personalised investment recommendation;

  • • an offer, inducement, or invitation to buy, sell, or trade in any financial instruments;

  • • a trading signal, strategy, or instruction;

  • • portfolio management services, trade execution services, brokerage services, or intermediation services.

  Any opinions, analytical materials, rankings, reviews, comparisons, or assessments presented on the Website are general in nature and may involve editorial judgment, methodological choices, weighting decisions, user feedback, and third-party information.

  You are solely and fully responsible for any decisions you make based on information obtained from the Website.

• 1.4

  No financial or brokerage services

  Traders Union is not a broker, dealer, investment firm, trading venue, or financial adviser.

  Traders Union does not carry out:

  • • execution or organisation of trading transactions;

  • • reception, transmission, or placement of trading orders;

  • • management or control of users’ funds, assets, or trading accounts;

  • • provision of personalised investment, trading, or financial advice.

  All interactions between users and third-party brokers, trading platforms, or other financial service providers take place independently of Traders Union and are governed solely by the terms and rules of the relevant third parties

• 1.5

  Commercial relationships and monetisation

  Traders Union may receive remuneration from third parties, including brokers and trading platforms, under advertising arrangements, affiliate or referral programmes, sponsorship, or paid placement.

  Such remuneration:

  • • is paid by third parties and is not charged to Website users;

  • • may be linked to users’ actions or activity with third-party providers; and

  • • may affect the placement order, visibility, or prioritisation of offers or lists displayed on the Website.

  At the same time, the mere existence of a commercial relationship does not by itself determine editorial opinions or analytical conclusions. However, commercial arrangements may affect the positioning, visibility, prioritisation, or display format of certain offers, links, listings, or placements, as described in the Advertiser & Affiliate Disclosure.

  More detailed information regarding commercial relationships is set out in the “Advertiser & Affiliate Disclosure”, which is incorporated into these Terms by reference and must be read together with them.

  The Website may create, maintain, update, or display company profiles, reviews, ratings, and related informational pages independently of any commercial relationship with the relevant third party. The existence of such a profile or page does not imply endorsement, affiliation, cooperation, or approval by Traders Union or by the third party concerned.

• 1.6

  Relationship with other disclosures and policies

  These Terms must be read in conjunction with the following documents, each of which is incorporated into these Terms by reference:

  • • Risk Disclosure

  • • Advertiser & Affiliate Disclosure

  • • Privacy Notice

  • • Cookie Policy

  • • Complaints Handling Policy

  • • Editorial Guidelines

  • • Users Reviews Policy

  In the event of any inconsistency, these Terms shall prevail, except where another document expressly provides priority for a specific matter (for example, the Risk Disclosure regarding trading and investment risks; the Privacy Notice and Cookie Policy regarding personal data processing and cookies).

• 1.7

  User responsibility

  By using the Website, you confirm and agree that you:

  • • use the Website at your own discretion and risk;

  • • independently assess the accuracy, completeness, and applicability of any information published on the Website; and

  • • where necessary, must seek independent professional advice before making any trading or investment decisions.

• 2.1

  Right of access and use

  The Website is intended for use by persons who are legally permitted, under the laws of their jurisdiction, to access informational and educational content.

  By accessing or using the Website, you confirm that you:

  • • have the legal capacity to accept these Terms;

  • • access the Website on your own initiative; and

  • • use the Website in compliance with applicable laws of your jurisdiction.

  Traders Union does not guarantee that the Website or any content published on it is available or suitable for use in all jurisdictions.

  Certain Website features, including registration, rewards, payout functionality, or access to specific content or offers, may be unavailable, restricted, or subject to eligibility conditions depending on the user’s country, residence, location, regulatory environment, or other compliance considerations.

• 2.2

  User status

  Access to and use of the Website does not create any client, fiduciary, advisory, brokerage, agency, or similar relationship between you and Traders Union.

  In particular:

  • • you are not a client of Traders Union;

  • • Traders Union does not act on your behalf; and

  • • no agency, partnership, joint venture, or trust relationship arises between the parties.

  Your relationship with Traders Union is limited to that of a user of an informational online platform.

• 2.3

  Permitted use

  You may use the Website solely:

  • • for personal, non-commercial purposes;

  • • to review informational, educational, and comparative content; and

  • • to access publicly available materials published on the Website.

  You undertake to use the Website lawfully and in accordance with these Terms and applicable law.

• 2.4

  Prohibited use

  You must not use the Website in any manner that:

  • • violates laws or regulations;

  • • infringes the rights of Traders Union or third parties;

  • • interferes with the normal operation, security, or integrity of the Website;

  • • is aimed at unauthorised access to the Website or its systems;

  • • involves automated collection, copying, extraction, or use of content without prior written consent; or

  • • presents the Website content as investment advice, a trading recommendation, or a financial service.

• 2.5

  No reliance and independent assessment

  You confirm and agree that you:

  • • use any information obtained from the Website at your own risk;

  • • independently assess its relevance, accuracy, and applicability; and

  • • acknowledge that Traders Union does not guarantee the accuracy, completeness, or timeliness of published content.

  You must exercise your own judgment and, where necessary, seek advice from qualified independent professionals before making any trading or investment decisions.

• 2.5A

  Payment Service Providers and Withdrawal/Payout Processing for Rewards (where available)

  Where rewards/rebates/cashback features are available on the Website and a user submits a withdrawal (payout) request for accrued rewards via the account dashboard, such payouts are processed using independent payment service providers and/or payout partners (together, “Payment Service Providers”). Available payout methods and applicable terms may vary depending on the user’s country, currency, technical availability, and other factors, and are displayed in the Website interface at the time the payout is initiated.

  The Company (IAFT LTD / Traders Union) is not a payment institution, does not provide payment services, does not open or maintain payment accounts, does not hold or control user funds, and does not execute payment transactions. Any balance displayed in the account dashboard is an accounting ledger of accrued rewards, not a payment account, and does not mean that funds are held for the user on the Website.

  For withdrawals/payouts of accrued rewards, the Company only calculates and records the reward amount and transmits the necessary payout data/instruction to the relevant Payment Service Provider, while the processing and execution of the payment transaction is carried out by the Payment Service Provider under its terms and applicable law.

  To the maximum extent permitted by law, the Company is responsible for accurate reward calculation and transmission of correct payout instructions, but is not liable for delays, rejections, restrictions, reversals, or technical issues arising on the side of the Payment Service Provider, recipient banks, or payment systems beyond the Company’s reasonable control, except where such limitation of liability is not permitted by applicable law.

  Where rewards, rebates, cashback, or similar programme features are available, additional programme-specific rules, eligibility criteria, payout conditions, verification requirements, and restrictions may apply and will be set out in the applicable Rewards Programme Rules or equivalent notice on the Website.

• 2.6

  Availability of the Website

  Traders Union makes reasonable efforts to ensure the availability and proper functioning of the Website; however, it does not guarantee uninterrupted or error-free access.

  Traders Union may at any time and without prior notice:

  • • modify, suspend, or discontinue the Website or any of its functions;

  • • restrict access to certain sections or features; and

  • • perform maintenance or updates.

• 2.7

  No offer or inducement

  Access to the Website and its content is not, and must not be construed as, an offer, invitation, or inducement to engage in trading or investment activity.

  Any interactions between users and third-party service providers take place independently of Traders Union and are governed solely by the terms of the relevant third parties.

• 3.1

  Registration (optional)

  Access to most sections of the Website does not require registration.

  However, to use certain features, including posting reviews, comments, or other content, a user account may be required.

  Registration is voluntary and is intended solely to provide access to certain non-financial features of the Website.

• 3.2

  Account creation and responsibility

  Where registration is available, the user undertakes to:

  • • provide accurate, current, and complete information during registration;

  • • promptly update their account details; and

  • • keep login credentials confidential.

  The user is fully responsible for all actions carried out using their account. Traders Union is not responsible for unauthorised use of a user account.

• 3.3

  No financial accounts

  User accounts on the Website:

  • • are not trading accounts;

  • • are not intended for holding or processing funds;

  • • do not enable trade execution; and

  • • do not provide access to financial services.

  Creating a user account does not establish any client, advisory, or fiduciary relationship between the user and Traders Union.

• 3.4

  User-generated content

  The Website may allow users to publish content, including reviews, ratings, comments, or other materials (“User-Generated Content”).

  By publishing User-Generated Content, the user confirms that:

  • • the content reflects their genuine opinion or experience;

  • • the information is accurate to the best of their knowledge; and

  • • posting the content does not infringe third-party rights.

  User-Generated Content reflects the views of individual users and does not represent the position of Traders Union.

  The user also confirms that (i) they do not receive remuneration for posting a review/rating, or (ii) they explicitly disclose the fact of receiving remuneration/affiliation where applicable, and that the content posted is not covert advertising.

• 3.5

  Moderation and content removal

  Traders Union applies a risk-based moderation model in accordance with applicable law and internal policies.

  User-Generated Content may be reviewed, restricted, or removed where it:

  • • violates legal requirements;

  • • infringes intellectual property or other rights;

  • • contains false, misleading, defamatory, or abusive information;

  • • constitutes spam, manipulation, or coordinated inauthentic activity; or

  • • violates the Users Reviews Policy or other applicable rules.

  Traders Union does not guarantee prior review of all User-Generated Content and does not endorse user-submitted materials.

• 3.6

  Complaints and notices regarding content

  Any person who believes that content published on the Website is unlawful or infringes their rights may submit a notice in accordance with the Complaints Handling Policy and applicable notice-and-action procedures.

  Traders Union reviews such notices within a reasonable timeframe and takes necessary measures where required by law.

• 3.7

  Suspension and termination of access

  Traders Union may suspend or terminate a user account or restrict access to certain Website features where:

  • • these Terms have been breached;

  • • unlawful or abusive conduct is identified;

  • • improper use of the Website is detected; or

  • • such measures are required by law or at the request of a competent authority.

  Any measures applied shall be proportionate and, where necessary, accompanied by an explanation in accordance with applicable law.

• 3.8

  No endorsement and no liability

  User-Generated Content is not verified information, professional advice, or a recommendation.

  The user acknowledges that use and interpretation of User-Generated Content is at their own risk, and Traders Union is not liable for decisions made based on such content.

• 4.1

  Ownership of Website content

  Unless expressly stated otherwise, all content published on the Website, including without limitation texts, articles, reviews, rankings, methodologies, graphical elements, logos, icons, interface elements, databases, and software (the “Content”), is the intellectual property of Traders Union or its licensors and is protected under applicable intellectual property laws.

  All rights not expressly granted under these Terms are reserved by Traders Union.

• 4.2

  Permitted use of Content

  Users are granted a limited, non-exclusive, non-transferable, and revocable licence to access the Website and its Content solely for personal, non-commercial purposes.

  Without Traders Union’s prior written consent, users must not:

  • • copy, reproduce, modify, distribute, publish, or otherwise use the Content;

  • • create derivative works based on the Content;

  • • use the Content for commercial purposes; or

  • • carry out automated collection, extraction, or systematic copying of data from the Website.

• 4.3

  User-generated content

  Users retain intellectual property rights in the User-Generated Content they publish (“User-Generated Content”).

  By publishing User-Generated Content, the user grants Traders Union a worldwide, royalty-free, non-exclusive, and sublicensable licence to use, reproduce, display, distribute, modify, and publish such content for the purposes of operating, promoting, and improving the Website.

  This licence remains in effect for as long as the User-Generated Content is published on the Website and, where required by law, also after its removal for legal compliance and record-keeping purposes.

• 4.4

  Trademarks and lawful referential use

  All trademarks, service marks, trade names, and logos displayed on the Website that are not owned by Traders Union are the property of their respective owners.

  Such trademarks and logos are used solely for identification and informational purposes, including in reviews, comparisons, rankings, and company profiles.

  Nothing on the Website must be construed as:

  • • indicating sponsorship, endorsement, or affiliation between Traders Union and third parties; or

  • • granting any licence or right to use third-party trademarks beyond lawful referential use.

  Traders Union relies on applicable trademark limitations and exceptions, including lawful referential use, comparative use, and freedom of expression.

• 4.5

  Intellectual property requests and complaints

  Any person who believes that content published on the Website infringes their intellectual property rights may submit a request in accordance with the Complaints Handling Policy and applicable notice-and-action procedures.

  The request must:

  • • clearly identify the disputed content;

  • • specify which rights are infringed and on what legal basis; and

  • • provide sufficient evidence supporting the claim.

  Traders Union reviews all requests on an individual basis and may refuse requests that are unfounded, abusive, or contrary to law.

• 4.6

  No obligation to remove lawful content

  Nothing in these Terms obliges Traders Union to remove or amend content that is lawful, accurate, and protected by applicable legal exceptions, including freedom of expression and lawful referential use of trademarks.

• 5.1

  No warranties

  The Website and all content, information, materials, and functionalities made available through it are provided “as is” and “as available”.

  To the maximum extent permitted by law, Traders Union makes no warranties, whether express or implied, regarding:

  • • the accuracy, completeness, reliability, or timeliness of content;

  • • the availability, security, or uninterrupted operation of the Website; or

  • • the suitability of information for any particular purpose.

• 5.2

  No reliance on information

  The user confirms and agrees that:

  • • use of information obtained from the Website is at the user’s own discretion and risk;

  • • content may be based on third-party data, user submissions, or editorial opinions; and

  • • Traders Union does not guarantee the absence of errors or inaccuracies.

  Information published on the Website does not replace independent professional advice.

• 5.3

  Limitation of liability

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

  • • trading or investment decisions made by users;

  • • loss of capital, profit, income, or missed opportunities;

  • • direct or indirect damages, including consequential or special damages;

  • • losses arising from reliance on Website content;

  • • actions or omissions of third-party brokers, platforms, or service providers; or

  • • technical failures, interruptions, or security breaches beyond Traders Union’s reasonable control.

• 5.4

  Third-party services and content

  The Website may contain links to third-party websites, services, products, or content. Traders Union:

  • • does not control or endorse third-party activities;

  • • is not responsible for the availability, accuracy, or legality of third-party content; and

  • • does not guarantee the quality, results, or consequences of using third-party services.

  Any interactions with third parties are carried out solely at the user’s own risk and in accordance with the terms of the relevant third parties.

• 5.5

  User-generated content

  User-Generated Content reflects the opinions of individual users and does not represent the position of Traders Union.

  Traders Union:

  • • does not pre-verify all User-Generated Content;

  • • does not confirm its accuracy; and

  • • is not liable for decisions made by users based on User-Generated Content.

• 5.6

  Consumer rights

  Nothing in these Terms excludes or limits Traders Union’s liability to the extent such exclusion or limitation is prohibited by applicable consumer protection laws.

  Where mandatory consumer rights apply, these Terms shall be interpreted and applied consistently with such rights.

• 5.7

  Relationship with the Risk Disclosure

  This Article must be read in conjunction with the Risk Disclosure, which is incorporated into these Terms by reference and must be read together with them.

  In the event of any inconsistency, the provisions of the Risk Disclosure shall prevail in relation to matters concerning trading and investment risks.

• 6.1

  Personal data processing

  Traders Union processes personal data in accordance with applicable data protection laws, including the EU General Data Protection Regulation (GDPR), the UK GDPR, and relevant national legislation.

  For the purposes of data protection laws, IAFT LTD acts as the data controller in respect of personal data processed through the Website, unless expressly stated otherwise.

  Personal data is processed only on lawful bases, including:

  • • performance of a contract;

  • • compliance with legal obligations;

  • • legitimate interests;

  • • user consent — where required by law.

• 6.2

  Privacy policy

  Detailed information regarding:

  • • categories of personal data processed;

  • • purposes and legal bases for processing;

  • • data retention periods;

  • • recipients of personal data;

  • • cross-border transfers of personal data;

  • • data subject rights;

  is set out in the Privacy Notice, which is incorporated into these Terms by reference and must be read together with them.

• 6.3

  User rights

  Users have rights in relation to their personal data, which may include:

  • • the right to access personal data;

  • • the right to rectification or erasure of data;

  • • the right to restriction of processing or objection to processing;

  • • the right to data portability;

  • • the right to withdraw consent — where processing is based on consent.

  Requests relating to the exercise of data protection rights must be submitted in accordance with the procedures described in the Privacy Notice.

• 6.4

  Cookies and similar technologies

  The Website uses cookies and similar technologies to ensure proper operation, improve user experience, analyse Website usage, and as part of advertising and affiliate programmes.

  Cookies may fall into the following categories:

  • • strictly necessary;

  • • functionality and preference;

  • • analytics;

  • • advertising or marketing.

  Where required by law, cookies that are not strictly necessary are used only with the user’s consent.

  Further information is set out in the Cookie Policy, which forms part of these Terms.

• 6.5

  Third-party services

  The Website may use third-party services, including analytics tools, advertising networks, and affiliate platforms.

  Such third parties may process personal data as independent data controllers or data processors, in accordance with their own privacy policies and applicable law.

  Traders Union does not control and is not responsible for such third parties’ data processing practices.

• 6.6

  Data security

  Traders Union implements appropriate technical and organisational measures to protect personal data against unauthorised access, loss, unlawful use, or alteration.

  However, no method of transmission or storage can be guaranteed to be absolutely secure, and Traders Union does not guarantee absolute protection of personal data.

• 6.7

  Contacts and complaints

  Questions, requests, or complaints relating to the processing of personal data are handled in accordance with the procedures set out in the Privacy Notice.

  Where provided by law, users may also lodge a complaint with a competent data protection supervisory authority.

• 7.1

  Governing law

  These Terms of Use, and any non-contractual obligations arising out of or in connection with them, are governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflict of law rules.

  This provision does not deprive users of any mandatory rights and protections granted to them under the consumer protection laws of their country of residence.

• 7.2

  Jurisdiction

  Subject to applicable mandatory consumer protection laws, the courts of the Republic of Cyprus shall have exclusive jurisdiction to consider any disputes, claims, or proceedings arising out of these Terms or in connection with the use of the Website.

  Where mandatory consumer laws grant the user the right to bring proceedings in the courts of their place of residence, such rights remain unaffected.

• 7.3

  Dispute resolution and complaints

  Users are encouraged, as a first step, to attempt to resolve disputes or complaints on a pre-trial basis by contacting Traders Union in accordance with the Complaints Handling Policy.

  Traders Union makes reasonable efforts to review and handle user requests in a timely and transparent manner.

• 7.4

  Alternative dispute resolution

  Where provided by consumer protection laws, users may have the right to use alternative dispute resolution (ADR) mechanisms or online dispute resolution (ODR) platforms.

  Where applicable consumer protection law provides access to alternative or online dispute resolution mechanisms, users may seek information from the relevant competent authority or official consumer protection resources available in their jurisdiction.

  Participation in ADR or ODR procedures is voluntary unless otherwise required by law.

• 7.5

  No collective actions

  Nothing in these Terms prevents users from exercising rights or remedies available to them under mandatory applicable law.

• 8.1

  Amendments to the Terms

  Traders Union reserves the right to make changes, updates, or additions to these Terms of Use at any time.

  Changes become effective upon publication of the updated Terms on the Website with a new “Last updated” date.

  Users are encouraged to review the Terms regularly. Continued use of the Website after publication of changes constitutes acceptance of the updated Terms.

  Where required by applicable law, users will be notified of material changes in an appropriate manner.

• 8.2

  Changes to the operation of the Website

  Traders Union may, at its discretion:

  • • modify, update, or remove any content, features, or functionality of the Website;

  • • suspend or discontinue the Website, in whole or in part;

  • • restrict access to certain sections or features.

  Such changes may be made for operational, legal, technical, or business reasons and may be implemented without prior notice unless otherwise required by law.

• 8.3

  Restriction or termination of access

  Traders Union may restrict, suspend, or terminate a user’s access to the Website, in whole or in part, where:

  • • the user breaches these Terms;

  • • unlawful, abusive, or misleading conduct is identified;

  • • improper use of the Website or its content is detected;

  • • access restriction is required to comply with legal requirements or regulatory authorities.

  All such measures shall be proportionate and implemented in accordance with applicable law.

• 8.4

  Effect of termination

  Termination or suspension of access does not affect:

  • • rights and obligations accrued prior to termination;

  • • provisions of these Terms which by their nature survive termination, including, without limitation, provisions relating to intellectual property, limitation of liability, and governing law.

• 8.5

  No waiver of rights

  Failure by Traders Union to exercise any right or enforce any provision of these Terms shall not constitute a waiver of that right or provision and shall not restrict its exercise in the future.

• 9.1

  Entire agreement

  These Terms of Use, together with all policies, disclosures, and notices referenced herein (including, without limitation, the Risk Disclosure, the Privacy Notice, the Cookie Policy, the Advertiser & Affiliate Disclosure, the Complaints Handling Policy, the Editorial Guidelines, and the Users Reviews Policy), constitute the entire agreement between the user and Traders Union regarding the use of the Website.

  They replace any prior or contemporaneous arrangements, agreements, or statements, written or oral, relating to the subject matter of these Terms.

• 9.2

  Severability

  If any provision of these Terms is held by a court or competent authority to be invalid, unlawful, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or, if modification is not possible, shall be deemed severed.

  The remaining provisions shall remain in full force and effect.

• 9.3

  Assignment

  Traders Union may assign, transfer, or otherwise dispose of its rights and obligations under these Terms, in whole or in part, to third parties, including as part of a corporate restructuring, merger, sale of assets, or similar transaction.

  The user may not assign or transfer their rights or obligations under these Terms without Traders Union’s prior written consent.

  This provision does not affect mandatory consumer rights.

• 9.4

  No partnership or agency relationship

  Nothing in these Terms shall be construed as creating a partnership, joint venture, agency, trust, or employment relationship between the user and Traders Union.

  The user acts solely in their own name and in their own interests when using the Website.

• 9.5

  Force majeure

  Traders Union shall not be liable for any failure or delay in performance of its obligations under these Terms where such failure or delay is caused by circumstances beyond Traders Union’s reasonable control, including, without limitation, natural disasters, war, terrorist acts, labour disputes, actions of governmental authorities, failures of utilities or telecommunications networks, and interruptions of internet services.

• 9.6

  Language

  These Terms may be made available in multiple languages solely for the convenience of users.

  In the event of any discrepancy between language versions, the English version shall prevail unless otherwise required by applicable law.

• 10.1

  Contact details

  For any questions, requests, or complaints relating to these Terms of Use or operation of the Website, you may contact Traders Union using the following details:

  Legal entity: IAFT LTD

  Registered address:

  6 Vasili Vryonides Street, Gala Court Chambers, 5th Floor, Offices 501–502, Office O, 3095 Limassol, Cyprus

  General enquiries: support@tradersunion.com

  Legal and compliance enquiries: compliance@tradersunion.com

• 10.2

  Methods of communication

  Notices and communications relating to these Terms may be provided electronically, including by email or by publication on the Website, where permitted by applicable law.

  Electronic communications shall be deemed received in accordance with the procedure and timeframes established by applicable legal rules.