PRIVACY & LEGAL

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Please read these www.mql5.com Terms of Use carefully.

Capitalized terms used herein shall be defined as set forth in Section 1 of these Terms of Use.

1. Terms and Definitions
1.1. For purposes of these Terms of Use, the following terms shall have the meanings as specified below:
MetaQuotes Ltd: means the MetaQuotes Ltd company which is the owner and the copyright owner of the website www.mql5.com.
MetaQuotes: means the MetaQuotes Ltd company.
MQL5 Services: mean services, including, but not limited to, Market, Signals, Freelance, Blogs, Articles, Virtual Hosting and MQL5 Cloud Network controlled by MetaQuotes Ltd and available on www.mql5.com which allow the registered Users to receive additional materials or services on www.mql5.com under certain terms of service.
“User” means You or any person or entity who uses www.mql5.com website and is one of the Parties to these Terms of Use. The User shall accept and comply with all the conditions of these Terms of Use.
You: means you as a mql5.com User (‘Your’ and ‘Yours’ shall be construed accordingly).
MetaQuotes Software: means the software which is developed and owned by, and copyright of, MetaQuotes Ltd, under the registered trademarks “MetaTrader”, “MetaTrader 5”, “MQL4”, “MQL5” together with any updates, upgrades, revisions, modifications, new versions and related components, including, but not limited to, the MetaTrader 4/5 Trading Terminals, MQL4/MQL5 IDE, User Interface, Documentation and MetaQuotes Website.
Client Terminal: means MetaTrader 4 or MetaTrader 5 trading terminal which represents a trader’s workstation and enables a trader to perform trading operations in financial markets.
Terms of Use: mean these www.mql5.com Terms of Use which constitute the entire agreement between MetaQuotes Ltd and the User, as well as updated, modified and/or amended future versions thereof as now or hereafter in effect.
Funds: User’s funds that can be used to make purchases in the MQL5 Services. The data on Funds is displayed in the User’s Client Area.
Client Area: User’s personal web page on MetaQuotes Ltd Website with the URL address www.mql5.com, containing User’s personal details, data from the appropriate MQL5 Services and data on the amount of Funds a User has the right to control when making purchases in MQL5 Services.
Personal Data: User’s personal details provided by him/her when registering on MetaQuotes Ltd Website or using MetaQuotes Ltd Website functionality and MQL5 Services.
1.2. Words used in singular form include the plural, and vice versa, as appropriate.
1.3. Any words following the terms (in any form) “including”, “among other things”, “in particular” and similar expressions shall be construed as illustrative and not limiting the meaning of the words preceding those terms.2. General
2.1. These Terms of Use, as well as updates hereof, constitute the entire agreement between You and MetaQuotes Ltd and govern the terms on which You can use the website www.mql5.com and MQL5 Services.
By clicking on the “Continue”, “Accept” or a similar button or an appropriate link and/or by using the www.mql5.com website, You agree to the Terms of Use of this Agreement.
You agree that MetaQuotes Ltd is not responsible for the materials, software, products or third party services that may be published or distributed on www.mql5.com.
The User who has not agreed to be bound by these Terms of Use shall have no right to use the website www.mql5.com and MQL5 Services.
The website www.mql5.com is available for use by persons aged 18 and older.
2.2. These Terms of Use will automatically cease to be effective if it appears that You are (a) not an mql5.com User, or (b) under the age of 18, or (c) a person who is not allowed to use the MetaQuotes Software in accordance with the applicable law of any country, including the country of Your residence or intended use of the MetaQuotes Software.
2.3. If You are a company employee or executive and You use www.mql5.com on behalf of Your company (“Company”), You accept and agree to the below: (i) by accepting these mql5.com Terms of Use and by using www.mql5.com, You acknowledge that You are explicitly authorized to do so by the Company based on Your and Company’s compliance with this Agreement regarding the use of www.mql5.com by You and the Company; (ii) You have obtained all consents, approvals and authorizations from the Company whatsoever needed, allowing You to officially act on behalf of the Company under these mql5.com Terms of Use. You represent and warrant that You have obtained such consents, approvals and authorizations to use www.mql5.com on behalf of the Company. If You do not have such authority, You shall not have the right to use www.mql5.com.
2.4. Your agreement with MetaQuotes Ltd can also include Additional Terms and Additional Agreements published or declared by MetaQuotes Ltd on the Web or in the MetaQuotes Ltd Website. Additional Terms and Agreements include, without limitations, terms and conditions set forth in these Terms of Use.
2.5. Before using the Trading Terminal, Products, Software and MetaQuotes Website, You must read and agree to the relevant license agreements and additional terms regarding the products or services offered by MetaQuotes Ltd. You can accept such agreements or terms by clicking the appropriate button or as otherwise suggested by MetaQuotes Ltd or by using the Client Terminal, MetaQuotes Ltd’s Products, Services and Website whereby You agree and acknowledge that by such use You accept the relevant agreements or terms.
2.6. You acknowledge and agree that by accepting these Terms of Use, as well as Additional Terms and Additional Agreements, You enter into a legally binding agreement with MetaQuotes Ltd. In case of any conflict between the Additional Terms or Additional Agreements and these Terms of Use, Additional Terms or Additional Agreements shall prevail with respect to any particular service offered by MetaQuotes Ltd.
2.7. You hereby consent to the use of electronic communication in order to enter into agreements, contracts, make payments, place orders and other records, as well as to the electronic delivery of notices, policies and records of transactions initiated or completed via the website www.mql5.com or MQL5 Services.

3. Use of the Website www.mql5.com
3.1. You agree to provide accurate and complete information when You register on, and as You use, the website www.mql5.com, and You agree to update Your registration data to keep it accurate and complete. You agree that MetaQuotes Ltd may store and use the registration data You provide for maintaining Your Account and performing its obligations under these Terms of Use.
3.2. You agree that MetaQuotes Ltd may, in its sole discretion and without prior notice, suspend or terminate the provision of any MQL5 Service or access to the website www.mql5.com (or its functions) to You personally or all Users.
3.3. MetaQuotes Ltd may engage the services of consultants and other contractors in connection with the performance of obligations and exercise of rights under this Agreement, provided that such consultants and contractors will be bound by the same obligations as MetaQuotes Ltd.
3.4. MetaQuotes Ltd may make available to You various payment processing methods. You agree to abide by any relevant terms and conditions or other legal agreement, whether with MetaQuotes Ltd or a third party, that governs Your use of a given payment processing method. You agree that MetaQuotes Ltd may add or remove payment processing methods in its sole discretion and without notice to You.
3.5. MetaQuotes Ltd may discover that the content, materials, products or services published or distributed on www.mql5.com violate any Additional Terms or Additional Agreement or other legal agreements, third party rights, laws, rules and regulations. You agree that in this case MetaQuotes Ltd reserves the right to discontinue the distribution of, remove or stop the publication of, such content, materials, products or services, in its sole discretion or as
3.14. All rights to Trademarks, as well as property rights and titles, including but not limited to any and all rights to intellectual property are the property of their respective owners or license holders. Except as otherwise provided in these Terms of Use, neither party grants to the other party any right, title or interest (including, but not limited to, any implied licenses) in or to Trademarks. Nothing in this Agreement gives the User a right to use any trade names, trademarks, service marks, logos, domain names, and other distinctive brand features of MetaQuotes Ltd.
3.15. In using the website www.mql5.com or MQL5 Services, You are not granted any intellectual property rights or rights in or to the website www.mql5.com or MQL5 Services or to any related content, including materials, documentation, products or services. Any other use of the content shall be allowed only subject to respective owner’s authorization or when this is provided by law. These Terms of Use do not grant You any right to use any branding or logos of MetaQuotes Ltd. You must not remove, obscure, or alter any legal notices displayed on the pages of the website www.mql5.com.
3.16. You shall not access or attempt to access an Account that You are not authorized to access. You agree not to modify the software in any manner or form, or to use modified versions of the software, for any purposes including obtaining unauthorized access to the website www.mql5.com or MQL5 Services. Violations of system or network security may result in civil or criminal liability.

4. Submission of User Materials on www.mql5.com
4.1. The User shall not post or transmit through the website www.mql5.com any materials that:
1. are unlawful, threatening, abusive, libelous, derogatory, invasive of privacy or publicity rights, vulgar, obscene, indecent or otherwise objectionable;
2. to a certain extent, discredit the honor, dignity, business reputation, legal rights and interests of other persons;
3. promote hatred towards persons or a group of persons based on religion, race or ethnic origin, and constitute attempts to incite hostility or violence;
4. could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any applicable law or contractual obligation;
4.2. Any conduct by a User that in the sole discretion of MetaQuotes Ltd restricts or inhibits any other mql5.com User from using and enjoying his or her rights is prohibited.
4.3. The User shall not post or transmit through the website www.mql5.com any commercial, advertising or promotional materials for goods or services without prior written consent of MetaQuotes Ltd. The User shall not use the Website to advertise or otherwise promote sales of any goods and services in any form whatsoever.
4.4. The User shall not upload, post or otherwise make available on www.mql5.com any material protected by intellectual property law (including copyright, trademark law, etc.) or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. The burden of determining that any material posted by the User on www.mql5.com is not protected by copyright, neighboring or third party rights rests with the User.

5. Privacy and Personal Data Protection.
5.1. We use personal data, which help us to create, develop, manage, provide and improve our Services and contents, as well as to protect against fraud and copyright violation.

5.2. We may occasionally use Your personal data to send You important notices of changes in our Terms of Services or Policies. We may also use personal data for internal purposes, such as auditing, data analysis and research, which enable us to improve our Services.

5.3. When You visit our websites, we may collect technical and navigational information, such as the type of the web browser, Internet protocol address, language, location, time zone, unique device/browser identifier and requested URLs so that we may better understand customer behavior and improve our Services. We may also collect information regarding specific activities you perform on our website. This information is used to help us improve the content and usability of our websites. This information is aggregated and we consider aggregated information as non-personal for the purposes of our privacy policy If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.

5.4. To find out more about how we collect and use the information you provide, please read our Privacy and Data Protection Policy and Cookies Policy.

6. Termination
6.1. These Terms of Use shall be effective until terminated by either You or MetaQuotes Ltd, as described below.
6.2. You may terminate these Terms of Use by discontinuing Your access to and use of the website www.mql5.com and all materials, products and services obtained or downloaded from the website www.mql5.com.
6.3. Upon termination of these Terms of Use, all legal rights and obligations to be executed or performed by You or MetaQuotes Ltd (or accrued during the term of these Terms of Use) or perpetual rights and obligations, shall not be modified due to termination of these Terms of Use.
6.4. MetaQuotes Ltd may at any time terminate these Terms of Use if:
1. You fail to comply with any provision of these Terms of Use;
2. MetaQuotes Ltd will be forced to do so pursuant to the law;
3. You cease to be a User;
4. MetaQuotes Ltd decides to terminate the operation of the www.mql5.com website.

7. Disclaimer of Warranties
7.1. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE WWW.MQL5.COM IS AT YOUR SOLE RISK AND THAT THE WEBSITE WWW.MQL5.COM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE WEBSITE WWW.MQL5.COM IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE MATERIALS, PRODUCTS AND ANY SERVICES OFFERED OR RENDERED ON WWW.MQL5.COM ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND MetaQuotes Ltd HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE PRODUCTS AND ANY SERVICES, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS.
7.2. YOU AGREE TO USE THE WEBSITE WWW.MQL5.COM AND ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE WWW.MQL5.COM AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA AS A RESULT OF SUCH USE.
7.3. MetaQuotes Ltd FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS.

8. Limitation of Liability
8.1. TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL MetaQuotes Ltd BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE WEBSITE WWW.MQL5.COM, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF MetaQuotes Ltd HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
8.2. MetaQuotes Ltd IS NOT A REGISTERED INVESTMENT ADVISOR, BROKER/DEALER, FINANCIAL ANALYST, FINANCIAL BANK, SECURITIES BROKER OR FINANCIAL PLANNER. MetaQuotes Ltd IS A TECHNOLOGY PROVIDER WHICH AMONG OTHER THINGS FACILITATES THE SHARING OF TRADE INFORMATION VIA THE INTERNET. USERS OF THE SERVICE MAY USE THE TRADE INFORMATION TO FORMULATE THEIR OWN INVESTMENT DECISIONS WHICH COULD BE TO COPY THE TRADES OF OTHERS. ALL INFORMATION ON THE MQL5.COM IS PROVIDED FOR INFORMATION PURPOSES ONLY. THE INFORMATION IS NOT INTENDED TO BE AND DOES NOT CONSTITUTE FINANCIAL ADVICE OR ANY OTHER ADVICE, IS GENERAL IN NATURE AND NOT SPECIFIC TO YOU. BEFORE USING THE COMPANY’S INFORMATION TO MAKE AN INVESTMENT DECISION, YOU SHOULD SEEK THE ADVICE OF A QUALIFIED AND REGISTERED SECURITIES PROFESSIONAL AND UNDERTAKE YOUR OWN DUE DILIGENCE. NONE OF THE INFORMATION ON OUR SITE IS INTENDED AS INVESTMENT ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS A RECOMMENDATION, ENDORSEMENT, OR SPONSORSHIP OF ANY SECURITY, COMPANY, OR FUND. THE COMPANY IS NOT RESPONSIBLE FOR ANY INVESTMENT DECISION MADE BY YOU. YOU ARE RESPONSIBLE FOR YOUR OWN INVESTMENT RESEARCH AND INVESTMENT DECISIONS.

9. Indemnification
9.1. You hereby agree, to the fullest extent permitted by law, to indemnify, defend, and hold MetaQuotes Ltd, its Affiliated Entities and each of their respective directors, managers, employees and agents, as well as Authorized operators, harmless from and against any and all third party claims, demands, causes of action, suits or proceedings, as well as any and all losses, liabilities, damage, costs or expenses (including any reasonable attorneys’ fees), arising from or relating to:
1. Your violation of these Terms of Use when using the website www.mql5.com,
2. infringement of any copyright, trademark right, trade secret, vendibility, patent or other intellectual property right of any third party, damage of any third party’s reputation or violation of publicity or privacy right of any third party, in connection with any material posted by the User on the website www.mql5.com.

10. Changes to These Terms of Use
10.1. MetaQuotes Ltd reserves the right to change and revise these Terms of Use. Each time changes are made to these Terms of Use, MetaQuotes Ltd will publish a revised version of the Terms of Use on www.mql5.com. The revised version of the Terms of Use shall be effective immediately upon publication. Your use of the website www.mql5.com following any change to these Terms of Use will constitute Your assent to and acceptance of the revised Terms of Use.

11. General Legal Terms
11.1. These Terms of Use constitute the entire legal agreement between You and MetaQuotes Ltd, govern Your access to and use of the website www.mql5.com and can complement any prior agreements between You and MetaQuotes Ltd in relation to the website www.mql5.com.
11.2. You acknowledge that the failure of MetaQuotes Ltd to exercise or enforce or delay of MetaQuotes Ltd in exercising or enforcing any legal rights or remedies provided hereunder (or by any applicable law) shall not constitute a waiver of such rights or remedies on part of MetaQuotes Ltd and that such rights and remedies will continue to be available to MetaQuotes Ltd.
11.3. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, then that provision will be removed from these Terms of Use without affecting the rest of these Terms of Use. The remaining provisions of these Terms of Use will continue to be valid and enforceable.
11.4. These Terms of Use, as well as Your relationship with MetaQuotes Ltd hereunder shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict of laws provisions. You and MetaQuotes Ltd agree that the courts of the Republic of Cyprus shall have exclusive jurisdiction over any dispute arising out of these Terms of Use. Notwithstanding this, You agree that MetaQuotes Ltd shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

12. Purchases, Payments and Refund Policy
12.1. The current Terms of Use is an important document you should carefully read before deciding on the use of the www.mql5.com website services. Pay attention to the following risks of using MQL5 Services:
1. Money transfers made through a Payment Processor may subsequently be canceled, for example, in case of a chargeback, a payment cancellation, a claim or for any other reason. Accordingly, the funds You obtain can be returned from Your Payment Account back to the sender in accordance with the rules and procedures of the Payment Processor.
2. MetaQuotes Ltd has the right to close, suspend or restrict access to MQL5 Services, and/or restrict access to Your funds in Your Client Area in case You violate the provisions of these Terms of Use, Rules or Additional Terms concluded with MetaQuotes Ltd.
3. MetaQuotes Ltd does not store Users’ payment details and card numbers. When a User deposits Funds or makes a purchase in MQL5 Services, the data is verified by a Payment Processor the User has selected to make the payment. However, upon receipt of a separate explicit permission from the User, MetaQuotes Ltd may store the payment token of the User’s bank card for binding the bank card to the MQL5 account for the convenience of the User and speeding up payments in MQL5 Services without re-entering the bank card details.
4. All purchases in MQL5 Services are final. No refund or replacement of a product or a service is provided unless there are objective reasons, such as incorrect operation of an application or inconsistency with a description. By purchasing digital content in MQL5 Services (for example, licenses for software applications in the Market service or a signal subscription in the Signals service), You agree not to use the right of withdrawal stipulated by law.
12.2. Detailed requirements and conditions of purchases and payments in MQL5 Services are described in the corresponding Rules, Additional Terms and Additional Agreements.
12.3. In order to make purchases in MQL5 Services, You must have a valid Payment Account under a separate agreement with a Payment Processor. All financial transactions on the www.mql5.com website shall be performed in accordance with the “Payments and payment methods” document published at https://www.mql5.com/en/articles/302. Please read this material carefully before you make purchases in MQL5 Services.
12.4. You agree to follow the applicable terms of use or any other legal agreement with MetaQuotes Ltd, a Payment Processor or a third party that governs the use of a given payment processing method. MetaQuotes Ltd reserves the right to add or remove payment methods at its sole discretion. You alone are responsible for paying all additional costs associated with purchases in MQL5 Services.
12.5. MetaQuotes Ltd uses only those methods of depositing/withdrawing funds that are reflected on the MetaQuotes Ltd Website.
12.6. Prices in MQL5 Services shall be expressed in US dollars. MQL5 Services may display the prices to Users in their native currency, but they shall not be responsible for the accuracy of currency rates or conversion.
12.7. Prices in MQL5 Services are defined by the sellers themselves and can follow a dynamic/surge scheme. No refunds are given for any price alterations, and/or differences, emerging from the aforementioned scheme(s). The product price is deemed as the one reflected at the particular transaction/purchase time instant.
12.8. In executing financial operations in MQL5 Services, You are responsible for paying all applicable taxes, duties and customs duties relating to financial transactions in MQL5 Services, including any related penalty or interest.
12.9. You agree to comply with any and all applicable laws relating to taxes. You also agree to submit any required tax reports and to pay any taxes arising in connection with Your use of the www.mql5.com website and MQL5 Services by yourself, at the place of your tax-residence. You will be held responsible for failure to comply with any applicable tax law.
12.10. In order to be able to make purchases in MQL5 Services, a User should register on the www.mql5.com website. When registering, a User agrees to provide reliable and relevant information by filling out the appropriate registration form.
12.11. Any purchase made in MQL5 Services can only be made by natural physical persons and not legal entities. Thus, the aforementioned, is considered to be a Business-To-Customer sale (B2C) and not a Business-To-Business sale (B2B). In return, and in the event of any applicable VAT charges, these will follow the One Stop Shop (OSS) scheme, as this is regulated and defined by the European Union. In the event of purchases by Sole Traders, who are VAT-registered in any European Union country, and upon provision of the relevant documentation, reverse charges will apply. Registrations in MQL5.com of sellers, which involve Company name(s) are for indicative purposes only, and will not affect any taxation or sale type treatment.
12.12. The data entered during a registration should correspond to a true and correctly indicated User’s name/surname. MetaQuotes Ltd has the right to request a document proving a User identity (including, but not limited to, a copy of the passport, ID card or any used payment card) at any time to confirm the provided data. If a User has not provided or cannot provide such information, MetaQuotes Ltd has the right to suspend the User’s payment transactions in MQL5 Services until the User provides the required information, and/or permanently disable financial transactions for the User on the www.mql5.com website in case of the User’s failure to provide the required information.

This Privacy and Data Protection Policy sets out the basis which MetaQuotes Ltd (“we”, “us”, or “our”) may collect, use or otherwise process personal data via our website www.mql5.com (“Website”) and all related websites as specified below, downloadable software, mobile applications including desktop applications (collectively “Products”), and other services provided by us and on which a link to this Privacy Policy is displayed, and all other communication with individuals through written or oral means, such as email, chat or phone (collectively together with the Website and Products, our “Services”). 

We are committed to safeguarding your personal information that you entrust to us while using our websites and Services, including use of the following:

  • www.mql5.com and other company websites including subdomains.

Definitions

Personal Data: means any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Processing: means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

Restriction of Processing: means the marking of stored personal data with the aim of limiting their processing in the future.

Controller: means the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are determined by Union or Member State law, the controller or the specific criteria for its nomination may be provided for by Union or Member State law.

Processor: means a natural or legal person, public authority, agency or other body which processes personal data on behalf of the controller.

Consent of the Data Subject: means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

  1. Collection and use of information

1.1  We generally collect information that:

  1. a) you directly provide us via our websites or upon your request regarding our products or services,
    b) we receive from the use of our products and services including but not limited to our websites 

1.2 We may collect your personal information through several different sources, including but not limited to:

  • Website forms and registrations to software products/applications     
  • Physical forms
  • Over the telephone or email
  • Introducing agent
  • Existing clients or employees
  • Service desk tickets
  • Online live assistance and support
  • Social media and social networking
  • Advertising counters and identifiers on websites

1.3  We may collect and use your personal data for any or all of the following purposes:

(a) performing obligations under a contract or in the course of or in connection with our provision of the goods and/or services requested by you;
(b) verifying your identity;
(c) responding to, handling, assessing queries, requests, applications, complaints, vacancy requests, and feedback;
(d) managing your relationship with us;
(e) sending you marketing information, including but not limited to surveys and questionnaires, about our products or services;
(f) complying with any applicable laws, regulations, codes of practice, guidelines, directives or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority;
(g) any other purposes for which you have provided the information;
(h) transmitting information to any affiliated third parties, including our third party service providers and agents, and relevant governmental and/or regulatory authorities, whether in Europe or no EU jurisdictions, for the aforementioned purposes in this section;
(i) any other incidental business purposes related to or in connection with the above;
(j) administer and improve the features and functionality of our applications and associated services;
(k) to analyze application performance via collection of statistical data;
(l) to verify user accounts, combat harmful conduct on the market, maintain the integrity of our Products and services and to promote safety and security on our website products and services. For example, we use personal information to contact you and to investigate suspicious activity or violations of our terms and policies and violations of intellectual property rights.

1.4 Minor’s personal information and privacy

We recognize the importance of protecting the information about minors and we do not knowingly collect any personal information from minors under eighteen (18) years of age.  Our website and services are directed to persons over eighteen (18) years of age, MetaQuotes Ltd accepts no responsibility for any failure to comply with this requirement.

We encourage parents and legal guardians to take the appropriate measures to prevent children under eighteen years of age from viewing at this Website without the appropriate permission.

In the event we become aware that we have received personal information from a visitor under eighteen (18) years of age, we shall delete as soon as reasonably practicable and not make use of such information.

1.5. Collection of other information

We may collect other non-personal information about the use of our Software Applications, visits to our websites or use of additional services, including  links you have clicked, software or information you have downloaded, as well as other actions related to the use of our products or services. We may also collect certain technical information necessary for the operation of our products/services and the collection of anonymous statistics on the use of such products/services, along with any error reports about our products.

  1. Cookies

Cookies are small text files containing a string of numbers and letters that are placed on your hard disk every time you visit a certain webpage. These files allow to identify your browser when you visit the same website again. Cookies can store user settings and other information. You can set your browser to reject all cookies or to notify you when you receive a cookie. Please note however that some website features or services may not function properly without accepting the receipt of cookies. Any data collected in this manner cannot be used to individually identify website users. Cookies cannot be used to run programs or deliver viruses to your computer.  To view our cookie policy please click here (link)

  1. Protection of personal data

We endeavor to ensure protection of  the information submitted to us, both during transmission and once we receive it. We maintain appropriate administrative, technical and physical safeguards to protect Personal Data against accidental or unlawful destruction, accidental loss, unauthorized alteration, unauthorized disclosure or access, misuse, and any other unlawful form of processing of the Personal Data in our possession. This includes, for example, firewalls, password protection and other access and authentication controls. 

However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. We cannot ensure or warrant the security of any information you transmit to us  and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. If you believe your Personal Data has been compromised, please contact us.

  1. Retention of personal data

We may retain data for different periods of time for different purposes as required by statute, our legitimate interests or best business practices.  Other statutory obligations, legal processes and inquiries may also necessitate the retention of certain data. 

  1. Data Transfers outside the EEA

We may have processors in different countries around the world and thus your personal data may be processed, used or transferred outside the EEA. We ensure that all necessary safeguards and security measures are in place, as deemed appropriate, under the relevant  national, international laws. 

  1. Changes to this Privacy and Data Protection Policy

6.1 We reserve the right to revise and update this Privacy and Data Protection Policy from time to time in part or in full by publishing the new version on our website.

6.2 We encourage you to check our Privacy Policy periodically to keep yourselves updated with the changes. 

6.3  To view the latest version of our Privacy Policy, click the <Privacy and Data Protection Policy> link at the following address: https://www.mql5.com/en/about/privacy. In case of such revisions, the new revised version of the Privacy Policy shall become effective on the date of its publication, unless otherwise is provided by the revised version of the Privacy Policy.

6.4  We may notify you of changes to this policy by email or through the messaging system on our website.

  1. Your Rights

(a)    the right to access

You have the right to confirmation as to whether or not we process your personal data and, where we do, access to the personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal data.

(b)  the right to rectification

You have the right to request to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

(c)     the right to erasure

In some circumstances you have the right to request the erasure of your personal data if established that the personal data is no longer necessary in relation to the purposes for which it was collected or otherwise processed; you withdraw  permission to authorization-based processing; you object to the processing under certain rules of applicable data protection law and if established that the personal data has been unlawfully processed. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary for exercising the right of freedom of expression and information, for compliance with a legal obligation or for the establishment, exercise or defense of legal claims and for reasons of public interest.

(d)  the right to restrict processing

In some circumstances you have the right to restrict the processing of your personal data, for example when you contest the accuracy of the personal data; processing is unlawful but you oppose erasure; we no longer need the personal data for the purposes of our processing, but you require personal data for the establishment, exercise or defense of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data and  we will only  process it for the establishment, exercise or defense of legal claims, for the protection of the rights of another natural or legal person or for reasons of important public interest.

(e)    the right to object to processing

You have the right to object to our processing of your personal data on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is necessary for the performance of a task carried out in the public interest or in the exercise of any official authority vested in us or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defense of legal claims.

 You have the right to object to our processing of your personal data for direct marketing purposes (including profiling for direct marketing purposes). If you make such an objection, we will cease to process your personal data for this purpose.

 You have the right to object to the processing of your personal data for scientific or historical research purposes or statistical purposes on grounds relating to your particular situation, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

(f) the right to data portability

You have the right to obtain the personal information provided to us given that 

  •  the processing is based on authorization; or
  •  the processing  is carried out by automated means, you have the right to receive your personal data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.

(g) the right to complain to a supervisory authority

 If you consider that the processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.

(h) the right to withdraw authorization.

To the extent that the legal basis for our processing of your personal information is authorization, you have the right to withdraw that authorization at any time in which case we may not be able to provide to you some of the features and functionality of our Services. Withdrawal of permission will not affect the lawfulness of processing prior to the withdrawal request.

  1. Notification of Breaches

In the event of unauthorized breaches or intrusions into our systems, that may affect you personal data security, we will notify you as soon as it is practically feasible and we will take all necessary measures and actions to avoid future occurrences and similar phenomena.

  1. Contact us

If you have questions about this Privacy and Data Protection Policy or the way personal information is processed or used in connection with the use of our Software Applications or websites, please contact us. Your request must include your name and other information needed for the identification, as well as for the full and complete processing of your request. 

Investor Disclaimer

Dosh Capital Investment Ltd. (hereinafter referred to as the ‘company’, ‘DoshCapital’, ‘doshcapital.com.au’, or ‘we’), its owners, operators, employees, principles, agents, and/or other affiliated parties, are not registered brokers, analysts, and/or investment advisors, nor do we partake in similar trades, professions, or roles. The information we provide on our website, www.bitcoinexchangeguide.com, hereinafter referred to as the ‘website’, is purely for guidance, informational, and educational purposes. All information on the website should be independently verified and confirmed. We do not accept any liability for any losses or damages whatsoever caused in relying upon our information, services, and/or other data provided via our website. We advise our readers and users to educate themselves on the risks involved with any activities related to blockchain and cryptocurrency, including but not limited to trading or investing in any financial market, cryptocurrency, exchange, or similar platform or token. Never trade with money that you cannot afford to lose. Consult with a qualified financial advisor before making any investment decisions. All content on our website, BitcoinExchangeGuide.com, is subject to change at any time without notice. No guarantee of any kind is implied or possible regarding buying, holding, selling, or engaging in other activity or movements with cryptocurrencies, digital assets, portfolios, and/or other assets of any type whatsoever.

We do not present any statements or information on our website, BitcoinExchangeGuide.com, as fact. You agree that you will not consider statements or information provided on our website as facts or as a predictor of future performance. All opinions, analyses, news articles, research pieces, content, instruction, prices, and/or other information provided through our website are provided as general market commentary and do NOT constitute investment advice or any professional financial advice of any sort whatsoever.
Trading and investing in cryptocurrencies has a substantial risk of leading to a significant loss. Trading and investing in cryptocurrencies is not suitable for every investor. Nobody is guaranteed profit or guaranteed to limit losses. The valuation of cryptocurrencies, digital tokens, ICOs, altcoins, and/or other digital items can fluctuate wildly, causing investors to lose the entirety of their original investment.

When engaging in margin or leverage trading, you understand that leverage will result in proportionally greater gains AND losses. Engaging in highly leveraged futures trading means small market movements will have a proportionally larger impact on your trading account, leading to significantly larger gains and significantly larger losses depending on your leverage. Many leverage traders end up losing more money than they initially invested. You are responsible for all the risks you use and for your chosen trading system. You are also responsible for the financial resources you use when trading. Do not engage in trading unless you fully understand the nature of the transactions in which you are entering and the extent of your exposure to loss. If you do not fully understand these risks, you need to educate yourself by seeking independent advice from a qualified financial advisor

NO INVESTMENT ADVICE

The information provided on our website, BitcoinExchangeGuide.com, does not constitute investment advice, financial advice, trading advice, or any other type of advice whatsoever, and the information on our website should not be trusted as such. We present this information to you as general market commentary. The information does not constitute investment advice or any professional financial advice of any sort whatsoever. We do not advise or recommend that you buy, sell, or hold any cryptocurrency, digital token, ICO, or digital asset whatsoever. We advise users to conduct their own due diligence and consult with a qualified financial advisor before buying, selling, or holding any type of digital asset or cryptocurrency. We will not be held responsible for any investment decisions made based on the information provided on the website.

ACCURACY OF INFORMATION

We strive to maintain accuracy of information on our website, BitcoinExchangeGuide.com. However, we will not be held responsible for any missing, wrong, or incorrect information. You understand that you are reading all news, tutorials, market analyses, and other information AT YOUR OWN RISK. We advise taking adequate steps to verify the accuracy and completeness of any information on our website. We also advise speaking with a qualified financial advisor before making any trades or investments in cryptocurrencies or other financial assets.

USE TRADING STRATEGIES AT YOUR OWN RISK

BitcoinExchangeGuide.com is designed to offer general market commentary. At no point should the information on our website be construed as providing recommendations, trading strategies, or investment advice of any kind. It is your responsibility to verify and determine which trades to make. Previous trades are no indication of future performance. The content of this correspondence should not be construed as an express or implied promise or guarantee.
We are not responsible for any losses incurred as a result of suing any of the trading strategies derived from content on our website, BitcoinExchangeGuide.com. The information we provide in this disclaimer is intended solely for informational purposes and/or as general market commentary. The information is not guaranteed, and no guarantee of any kind is implied or possible where projects of future conditions are attempted.

The content published on the website does not constitute a recommendation for any particular cryptocurrency, digital token, digital asset, ICO, and/or any other product or service, including but not limited to a portfolio of cryptocurrencies, an investment strategy, or a transaction. None of the content published on our website, BitcoinExchangeGuide.com, should constitute a recommendation for any specific person and/or business.

Certain trading strategies, including loss-limiting strategies like stop loss orders, may not be effective at preventing losses incurred through cryptocurrency trading, digital asset investing, and traditional investing, among other trading activities, because market conditions or technological limitations may inhibit the system from executing such orders.

We provide information solely for educational purposes or for general market commentary. The generic market commentary and/or recommendations provided by our website, BitcoinExchangeGuide.com, are based solely on the judgement of our editors, staff, and/or writers, and this advice does not constitute professional investment recommendations or advice. By reading our educational information and general market commentary, you acknowledge that you enter into any cryptocurrency transactions and/or digital asset purchases based on your own judgement. Any recommendations provided by BitcoinExchangeGuide.com, implied or otherwise, are generic and may or may not be consistent with the market position or intentions of our company and/or company’s affiliates. Any opinions, news articles, research pieces, tutorials, analyses, price reports, and/or other information featured on our website is provided as general market commentary and should not be considered investment advice. Consult with an authorized financial advisor before making any trades or purchases.

AFFILIATE DISCLAIMER

The website contains links to external websites that are not created, maintained, or monitored by the company, including websites that may compensate BitcoinExchangeGuide.com for purchases made of advertised products and/or services. We do not guarantee the accuracy, relevancy, timeliness, or completeness of any information encountered via external links. We have no control over the content featured on third party websites.

We do not endorse, recommend, or in any way affiliate with certain advertisements published on our website. Publishing of an advertisement should not be construed as an endorsement or recommendation.
All content on our website is currently free to access. However, we reserve the right to adjust this in the future.

Make sure to read our about page, editorial policy

  1. About us

Capital Com Australia Pty Ltd (‘we’, ‘our’, ‘us’, ‘CCAU’) is a company registered in Australia and is licensed as an Australian Financial Services Licensee under AFSL 513393. 

Capital Com Australia Pty Ltd (“CCAU, us, we, our, the Company”) is a company registered in Australia (ABN 47 625 601 489) and the holder of an Australian Financial Services Licence (“AFSL”) issued by the Australian Securities and Investments Commission (“ASIC”). CCAU is authorised to issue and distribute the products described in this Product Disclosure Statement (the “PDS”).

Our contact details are:

Licensee name:                Dosh Capital Investment Ltd.

AFSL number:                   513393XXX

Address:                           107 Badajoz Road, North Ryde 2113.

Website:                           doshcapital.com.au

Email:                               dustydosh@doshcapital.com

General Information

This PDS applies to all Retail Client account applications and describes the key features of Contracts For Difference (“CFDs”) offered by CCAU. Before applying for an account or trading with us, please read and ensure that you understand the content of this PDS, the terms and conditions set out in our Client Agreement and any other related disclosure documents (such as the Financial Services Guide and the Risk Disclosure Statement which we may issue from time to time. All of these documents are available on our website.   This PDS contains important information about our products and their associated risks to help you make an informed decision as to whether dealing in CFDs or any other margin trading products offered by us, is a suitable investment for you. Should you have any questions in relation to this PDS, please do not hesitate to contact us. All Retail Clients shall be bound by the contents of this PDS. The information in this PDS is current as at 20 February 2026, and may be updated from time to time where that information is not materially adverse to clients. Updated information shall be provided on our website www.capital.com.

We may issue a supplementary or replacement PDS at any time, which shall be available on our website or shall be distributed in electronic form as required. General Advice CCAU is authorised to provide general financial product advice only. This means that we do not consider your personal or financial situation, investment strategies, targets or needs. You should read this PDS carefully, and then independently consider your personal or financial situation, investment strategies, targets and needs and take reasonable steps to fully assess the possible outcomes of trades and strategies that can be employed using our Trading Platform. Since we do not provide personal advice, we strongly recommend that you seek independent advice to ensure that a particular product is suited to your personal and financial situation and needs. The Client Agreement contains a provision by which you agree that you enter into all CFDs in reliance on your own perception, and that we will not be liable for any losses, costs, expenses or damages suffered by you arising from any inaccuracy or mistake in any information we give to you in the absence of fraud, wilful default or gross negligence or as required by legislation. Retail Clients vs Wholesale (Professional) Clients This PDS is intended for our Retail Clients. Accordingly this PDS does not apply to Wholesale Clients.

Risk Warning

Trading on margin is high risk and profits as well as losses are magnified. Movements in the price of the margin contract’s underlying asset (e.g., shares, indices, ETFs, bonds, foreign exchange rates, interest rates, commodity or cryptocurrency prices) are influenced by a variety of unpredictable factors. Extreme movements in the price of the underlying asset may occur suddenly and as a result, you may be unable to settle adverse trades at the expected price. These sudden movements can put you at risk of losing the entirety of your deposit(s) and therefore, our products may not be suitable for you.

RECURRING PAYMENT AGREEMENT

A recurring payment (recurring charges) is a type of a bank payment intended for periodic and regular automatic payments and transfers from a Bank Card for services, goods or information. Such a payment requires no need for any action by the Card Holder. A bank initiates a recurring payment on its own on the basis of a client’s long-term order after the successful completion of the first payment.

The main types of auto payments are as follows:

  • Recurring or scheduled payments are performed once a period for a predetermined amount.
  • Event payments are performed upon the occurrence of any external event (for example, a balance decreasing below the threshold value). A payment amount is determined by a client in advance.
  • Debt payments are carried out in an appropriate amount upon detection of a debt. A payment amount is set according to client-defined limits.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING RECURRING PAYMENTS WHEN PAYING FOR GOODS OR SERVICES IN MQL5 SERVICES. BY USING RECURRING PAYMENTS, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT, DO NOT USE RECURRING PAYMENTS.

MetaQuotes Ltd offers Users to use the “Recurring Charges” Service and conclude the current agreement (hereinafter referred to as the Agreement), which is an addition to the Terms of Use of MQL5 community.

The User unconditionally agrees to and accepts the current Agreement governing the use of the service by performing implicative actions to activate the “Recurring Charges” Service.

  1. TERMS AND DEFINITIONS

1.1. For the purposes of this Agreement, the following terms shall have the meaning as specified below:

Recurring Payment (Recurring Charges) is a type of a bank payment implying an automatic withdrawal of funds from a Bank Card. Such a payment requires no need for any action by the Card Holder.

“Recurring Charges” Service is a service for the performance of regular automatic transfers of funds from the Card Holder’s Bank Card in favor of MetaQuotes Ltd via a Payment Processor for provided licenses/goods/services in MQL5 Services based on the Card Holder’s acceptance provided in advance according to the separate agreements regulating the use of a specific service, as well as its tariffs and options.

MQL5 Services mean services, including, but not limited to, Market, Signals, Freelance, Blogs, Articles, Virtual Hosting and MQL5 Cloud Network controlled by MetaQuotes Ltd and available on www.mql5.com which allow the registered Users to receive additional materials or services on www.mql5.com under certain terms of service.

User means you as a person registered on the www.mql5.com website and having a permission to use an MQL5 Service according to a separate agreement for the use of a particular service.

Additional Terms mean the terms and conditions that apply to Your use of the MetaQuotes Ltd Software, Products and Website published or declared in addition to the Terms of Use of MQL5 community.

Additional Agreements mean agreements that apply to Your use of MQL5 Services, published or declared in addition to the Terms of Use of MQL5 community.

Rules mean rules and conditions that apply to Your use of MQL5 Services, published or declared in addition to the Terms of Use of MQL5 community.

Funds – User’s funds that can be used to make purchases in the MQL5 Services. The data on Funds is displayed in the User’s Client Area.

Client Area – User’s personal web page on MetaQuotes Ltd Website with the URL address www.mql5.com, containing User’s personal details, data from the appropriate MQL5 Services and data on the amount of Funds.

MetaQuotes Ltd Website means all elements, content and style (look and feel) of the website, including third level domains, with the URL address www.mql5.com.

Payment Processor means a legal entity, which is a third-party payment system authorized by MetaQuotes Ltd to provide payment processing services in MQL5 Services via the Internet using a specially developed web interface, including those related to the implementation of regular automatic transfers of Funds from a Card Holder’s Bank Card.

Payment Account means a financial account issued by the Payment Processor in its payment system pursuant to a separate agreement with a User whose use of the Payment Account must be approved by the Payment Processor.

Bank Card is a debit or credit card issued by a Card-Issuing Bank, used as a tool of non-cash payments and intended for conducting operations with funds stored in the Card-Issuing Bank accounts of the Card Holder. The possibility of using specific card types (VISA International, Mastercard International etc.) is set by the Card-Issuing Bank.

Card-Issuing Bank is a credit institution issuing Bank Cards, as well as performing settlements on operations conducted using Bank Cards.

Card Holder is an individual who orders the Card-Issuing Bank to transfer funds from the Bank Card on behalf of the User in favor of MetaQuotes Ltd via the “Recurring Charges” Service.

Request is an information message sent by the Payment Processor to the Card-Issuing Bank for transferring funds from the Bank Card in favor of MetaQuotes Ltd.

Account or MQL5 ID or MQL Account means an account of a website user with a Login and a Password created for Your use of www.mql5.com.

Login means the identification code, which, in combination with the Password, gives You access to Your User Account.

Password means a code You select, which, in combination with the Login, gives You access to Your Account.

Personal Data means personal details provided by him/her when registering on MetaQuotes Ltd Website or using MetaQuotes Ltd Website functionality and MQL5 Services.

User Acceptance means the User’s unconditional acceptance of the current Agreement terms.

1.2. Words used in singular form include the plural, and vice versa, as appropriate.

1.3. Any words following the terms (in any form) “including”, “among other things”, “in particular” and similar expressions shall be construed as illustrative and not limiting the meaning of the words preceding those terms.

  1. GENERAL PROVISIONS

2.1. This Agreement, as well as updates hereof, is an agreement between You and MetaQuotes Ltd, which governs the terms, on which You can use the “Recurring Charges” Service.

By clicking on the “Continue”, “Accept”, “Pay” or a similar button, or checking a corresponding field, or clicking an appropriate link, You agree to the terms and conditions of this Agreement.

The User who has not agreed to be bound by the terms and conditions of this Agreement shall have no right to use the “Recurring Charges” Service.

2.2. Your agreement with MetaQuotes Ltd can also include Rules, Additional Terms and Additional Agreements published or declared by MetaQuotes Ltd on the Web or in the MetaQuotes Ltd Website. Rules, Additional Terms and Agreements include, but are not limited to, terms and conditions set forth in this Agreement.

2.3. You acknowledge and agree that by accepting the terms of the Agreement, as well as Rules, Additional Terms and Additional Agreements, You enter into a legally binding agreement with MetaQuote Ltd. In case of any conflict between the Rules, Additional Terms or Additional Agreements and this Agreement, the Rules, Additional Terms or Additional Agreements shall prevail with respect to any particular service offered by MetaQuotes Ltd. We reserve the right to revise and update any of these Agreements, Terms and Rules from time to time. Such changes shall be effective upon their publication on the www.mql5.com website. Before using any of MQL5 Services, You are required to read and accept the corresponding Rules, Additional Terms and Additional Agreements.

2.4. You hereby consent to the use of electronic communication in order to enter into agreements, contracts, make payments, place orders and other records, as well as to the electronic delivery of notices, policies and records of transactions initiated or completed via the www.mql5.com website or MQL5 Services.

2.5. Furthermore, You hereby waive any rights or requirements under any laws or regulations in any jurisdiction which require an original non-electronic signature or delivery or retention of non-electronic records, to the extent permitted by applicable mandatory law.

  1. DESCRIPTION OF THE “RECURRING CHARGES” SERVICE AND THE METHOD OF ITS ACTIVATION

3.1. “Recurring Charges” Service allows the User to make purchases in MQL5 Services by performing regular automatic transfers of funds from the Card Holder’s Bank Card in favor of MetaQuotes Ltd via a Payment Processor based on the Card Holder’s acceptance provided in advance according to the separate agreements regulating the use of a specific service, as well as its tariffs, durations and options.

3.2. The Acceptance of the current Agreement and ordering the “Recurring Charges” Service comprise of a consistent set of User actions on the www.mql5.com website allowing the User to activate the service in the most convenient way. Activating the “Recurring Charges” Service involves the following User actions:

  1. When using MQL5 Services, making any purchase of a license/product/service and clicking “Buy”, “Pay”, “Copy”, “Subscribe” or a similar button, as well as selecting the “Deposit to account” operation in the Client Area, the User enters his/her MQL5 account page allowing him/her to select a Payment System of an appropriate Payment Processor. Further on, before choosing a necessary Payment System, the User is prompted to activate the “Recurring Charges” Service by checking the corresponding checkbox. Next, a new page is opened where the User can read the current Agreement and is prompted to check the appropriate box next to the item: “I, {MQL5 account}, HAVE READ AND AGREE TO THE CURRENT AGREEMENT GOVERNING THE USE OF THE “RECURRING CHARGES” SERVICE, AS WELL AS TO AUTOMATIC TRANSFER OF FUNDS FROM THE BANK CARD FOR PURCHASES IN MQL5 SERVICES”.
  2. “Recurring Charges” Service is activated only for the Bank Card registered by the Card Holder.
  3. Registering the Bank Card: the Card Holder is redirected to the Payment Processor website and enters his/her Bank Card details on the appropriate web page. The User (Card Holder) guarantees that he/she enters all the required Bank Card details consciously, correctly and completely while activating the “Recurring Charges” Service.
  4. When activating the “Recurring Charges” Service, the User also grants MetaQuotes Ltd his/her permission to link the Bank Card to the MQL5 account while saving the Bank Card payment token, which is necessary for the operation of the “Recurring Charges” Service and may also be used for the “one-click payment” feature. More data on the “one-click payment” feature can be found in the ” Payments and payment methods” document.

3.3. The “Recurring Charges” Service is provided without an activation (deactivation) and subscription fees.

3.4. Performing actions described in p. 3.2 of the Agreement is accepted as an equivalent of the User’s handwritten signature.

3.5. The period of the Agreement acceptance is unlimited and valid until the termination of this Agreement on the terms described in this Agreement.

3.6. The first payment and the successful registration of the Bank Card in the Client Area mean acceptance of the current Agreement terms by the User. By activating the “Recurring Charges” Service, the User confirms his/her consent for periodic transfer of funds from the Bank Card and/or Funds located on the MQL5 account for the amount of invoices issued by MetaQuotes Ltd from the moment the “Recurring Charges” Service is activated until its deactivation according to this Agreement.

Withdraws & managing payouts

Getting paid is important. Fiverr provides multiple options, including PayPal, Payoneer, and Bank Transfer, to help you withdraw your earnings quickly and securely. You can easily select your preferred payout method and manage your funds from your Earnings page. This article walks you through the general withdrawal process and explains how to set up each option.

Requirements & restrictions

Please review these requirements and limitations before setting up or using a withdrawal method:

Age:Per Fiverr’s Minors Policy, all users must be at least 18 years old. Users aged 13–17 may use an account owned by a parent or legal guardian, with their permission. In these cases, any earnings they generate can be withdrawn through the parent or guardian’s account.
Multiple accounts:A withdrawal method can only be linked to one Fiverr account. Using the same method across multiple accounts may result in those accounts being permanently disabled.
Location:Each withdrawal method might have different location restrictions and services. Check directly with your provider to ensure coverage.
Waiting periods:
A 24-hour waiting period is required before making a second withdrawal after the first one.
A 24-hour waiting period is required before making withdrawals after adding or changing your withdrawal method.
A 48-hour waiting period is required before making withdrawals after updating your verified phone number.
Withdrawals are limited to $5,000 USD per transaction.
Available Payout Methods

Payout method

Transfer time

Withdrawal fee

Minimum withdrawal

PayPal

24 hours

$0 USD

$1 USD

Bank Transfer (via Payoneer)

1–3 business days (local currency) or 5–7 business days (USD wire)

$1 USD

$20 USD

Payoneer Account

Up to 2 business days to the Payoneer balance

$3 USD

$10 USD

Payoneer Revenue Card

Up to 2 business days. Up to 2 days (fees apply)

$1-$3 USD

$30 USD

How to Set Up a Payout Method? 

Before withdrawing your earnings, you must set up at least one payout method. If you add a Payment method on the Billing and Payments page, it cannot be used to withdraw earnings.

 

PayPal

Funds are withdrawn to your PayPal account, which is linked to your email address. The setup and first withdrawal must be completed on desktop. Afterward, you can withdraw using the mobile app.

Please note that you must have available funds for withdrawal to set up a PayPal account.

Setup steps:

  1. On the Earnings page Manage payout methods, select PayPal.
  2. Set up the currency you wish to withdraw in and Save the changes.
  3. Log in to PayPal to verify your account and confirm the association.
  4. Complete phone verification before the method is successfully set.

How to edit or remove a payout method?

To edit your payout methods, go to your Earnings page Manage payout methods, where you’ll see all associated methods. Select the ellipsis menu next to a method and choose Remove or Change currency.

To change the currency on a Payoneer withdrawal method, you must remove it and add it again.

How to withdraw your earnings?

Once you have set up a payout method, follow these steps to withdraw your available funds:

Go to My business > Earnings.
In the Available Fundssection, select Withdraw balance.
A pop-up will appear. Select your preferred withdrawal method.
If you wish, you can make a partialwithdrawal by setting the amount you want to withdraw.
Confirmthe payout method and amount.
You will receive a codeon your registered phone. Enter the code to confirm the action.


On hold funds for subscription payments

If you’re subscribed to a paid program or feature and don’t have a payment method saved to cover the subscription, the monthly fee will be held from your earnings. This ensures your subscription remains active.

The on-hold amount is always displayed in USD.
If you add a payment method to your account, the funds on hold will be released immediately and become available for withdrawal.
If you cancel your subscription, the funds on hold will remain on your account until the current billing cycle ends.
Example

If your available earnings for withdrawal are $100, and your subscription fee is $25, you will be able to withdraw $75. The remaining $25 is placed on hold for the subscription payment. If your available earnings are less than the subscription fee, you will see $0 available to withdraw, as the entire amount is held for payment

Troubleshooting

Issue

Solution

You added a new withdrawal account, but it is showing as pending for more than 24 hours.

We recommend that you remove the account and add it again.

You are trying to withdraw, but you are not getting the withdrawal email.

Go to your email inbox and delete all previous withdrawal emails.
Check your email’s spam folder.
If your email address uses a private domain, consider changing it to a public domain, such as Yahoo or Google, since private domains may have extra spam filters that prevent you from receiving the withdrawal link.

Your dashboard shows an ongoing withdrawal, but the funds have not arrived in your withdrawal account after more than 24 hours.

Please contact Customer Support for help.

The withdrawal button is grayed out.

If you recently withdrew or changed your phone or your withdrawal method, you must wait 24 to 48 hours before you can process a new withdrawal. Customer Support cannot manually bypass these time frames.

Your account was accessed without authorization, and your funds were withdrawn.

Please contact your withdrawal provider to report this, and contact Fiverr’s Customer Support for assistance.

You withdrew by mistake or to the wrong account and need to refund the withdrawal to Fiverr.

Withdrawals are final and cannot be reversed by Fiverr. Please communicate with your withdrawal provider to learn about your options.

You need to remove your withdrawal account, but the system will not let you.

FAQs
Where can I view my withdrawals and transaction history?
Can I withdraw to my local bank after the funds arrive in my withdrawal account?
How do I obtain an official statement of transfer from my withdrawal provider?
What happens if I don’t reach the minimum withdrawal amount?
What happens if I have more than USD $5,000 for withdrawal?
How can I change the bank account my funds are credited to?
My withdrawal method refunded the withdrawal to Fiverr, but I don’t see it on my account.
Why is the amount I received less than the amount I withdrew?
My account was permanently disabled, and I cannot log in to withdraw my available funds.
My withdrawal account was declined or disabled. What can I do?

Issue

Solution

You added a new withdrawal account, but it is showing as pending for more than 24 hours.

We recommend that you remove the account and add it again.

You are trying to withdraw, but you are not getting the withdrawal email.

Go to your email inbox and delete all previous withdrawal emails.
Check your email’s spam folder.
If your email address uses a private domain, consider changing it to a public domain, such as Yahoo or Google, since private domains may have extra spam filters that prevent you from receiving the withdrawal link.

Your dashboard shows an ongoing withdrawal, but the funds have not arrived in your withdrawal account after more than 24 hours.

Please contact Customer Support for help.

The withdrawal button is grayed out.

If you recently withdrew or changed your phone or your withdrawal method, you must wait 24 to 48 hours before you can process a new withdrawal. Customer Support cannot manually bypass these time frames.

Your account was accessed without authorization, and your funds were withdrawn.

Please contact your withdrawal provider to report this, and contact Fiverr’s Customer Support for assistance.

You withdrew by mistake or to the wrong account and need to refund the withdrawal to Fiverr.

Withdrawals are final and cannot be reversed by Fiverr. Please communicate with your withdrawal provider to learn about your options.

You need to remove your withdrawal account, but the system will not let you.

Avoiding spam and staying safe on Dosh

Maintaining a safe and trustworthy Fiverr community requires vigilance. This guide highlights potential cyberthreats and how to avoid them, helping you protect yourself and your account.

Spam: unwanted messages, phishing attempts, and malware

A general definition of “spam” is any type of unsolicited messaging activity, often sent to multiple recipients. On Fiverr, spam falls into three main categories:

Promotional messages
Phishing attempts
Malware

Promotional messages:

Unwanted offers or solicitations that aim to drive traffic to a Fiverr page or an external website.

Example: Hey! Check out this amazing new service I’m offering on Fiverr! You won’t find a better deal. Click this link to get started: [link].

Phishing attempts:

Deceptive attempts to steal personal data like credit card information, passwords, and other sensitive details.

Examples: Messages that falsely claim to be from Fiverr but have small inconsistencies, like a misspelled name (e.g., Fivver, Feverr) or a suspicious domain (.ru, .so). These may also include links or QR codes.

Note that it’s normal for clients to ask about your professional background, like certifications or experience, before placing an order. Sharing this is generally safe, but avoid including sensitive personal details (such as your ID, phone number, or address).

Malware:

Malware, short for ‘malicious software,’ is designed to infiltrate your computer and gain unauthorized access.

Examples: Messages with unfamiliar links or attachments, These could look like casual messages or be related to discounts, prizes, or special offers.

Click to see examples of fake screenshots used in phishing scams:
Fiverr will never request your email, login credentials, or payment info in order to process a payment.

Click to see an example of a spam message you might encounter on Fiverr:

Hello 

I’m a recruiter from _____, I’m sorry I had to text you this way, I checked your profile and got to notice you will be perfect for our pending freelance job.

Briefly, the Projects are different pages with same price of $25 per page, we hope to hire you!

If you are interested kindly reach our manager on Telegram (@name). He will direct you on the Project.

We hope to hear from you soon.

Thank you 

Click to see examples of suspicious accounts impersonating Fiverr:


w to report messages or mark them as spam

Spam messages won’t affect your response rate, as long as you report them as spam within 24 hours from when they were sent. Learn more with Response rate and response time FAQs.

Your account safety and data privacy are top priorities for us at Fiverr. Fiverr uses antivirus software that scans all files; however if you identify something suspicious, you can mark messages as spam or report them. These reports are reviewed by our Trust & Safety team.

Steps to mark a message as spam

Open the conversation containing the suspicious message.
2. Click the three dots (⋯) next to the message.
3. Select Mark as Spam from the dropdown menu.
4. A confirmation window will appear. Click Submit to confirm.

Steps to report messages

Open the conversation containing the message you wish to report.
2. Click the three dots (⋯) next to the message.
3. Select Report from the dropdown menu.
4. Choose the reason for your report from the list provided.
5. Click Next.
6. You will have the option to block the user from interacting with you in the future. Select your preference.
7. Click Submit to finalize the report.

Learn how to report inappropriate content or behavior with How to report content or behavior on Fiverr.

Steps to mark a message as spam on the mobile app (IOS)

Open the conversation containing the suspicious message.
2. Press and hold the message within the conversation.
3. Tap Report Spam from the options that appear.

Steps to block a user on the mobile app (IOS)

There are two methods for blocking a user on the mobile app.

Method 1: from the inbox

1. Go to your Inbox and locate the message from the user you wish to block.
2. Press and hold the message.
3. Tap Block from the menu that appears.

Method 2: from the conversation

1. Open the conversation with the user you want to block.
2. Click the three dots (⋯) in the upper right corner of the conversation.
3. Select Block from the options in the dropdown menu.

Responding to a spam message after blocking

If you’d like to respond to the message after you’ve selected to block future interactions:

1. Go to your inbox > All messages > Spam
2. Open the message and click unblock to to send the user a message.

How to spot and avoid phishing attempts
Fiverr employees on Fiverr

Fiverr representatives may contact you via inbox, but they will never suggest you scan a QR code, ask you to verify your account using a credit card, or request personal information. To recognize an official Fiverr employee account, look for the Fiverr logo and the words “official Fiverr employee”.

Click to see what a Fiverr employee profile looks like:
Ways to protect yourself from phishing
Fiverr alerts you when it’s your first conversation with a user. Use this cue to stay cautious, avoid sharing sensitive info, and don’t click suspicious links.
Be cautious when clicking a link or scanning a QR code, which redirects you to a different login page.
Always check links before clicking by hovering your mouse over the link and looking at the URL which it redirects to (seen at the bottom of the browser).
Only use your account details (password and security questions) on the Fiverr.com sign in modal or settings page.
Report unsolicited messages (e.g., promotional, phishing, malware) by clicking “Report an Issue.”
Avoid interacting with suspicious messages, such as:
Potentially harmful content (malware, phishing, etc.)
Messages promoting services, requesting donations, or free work.
Automated mass messages or irrelevant inquiries.
Requests for guidance on becoming a freelancer.
Requests for your email address, login credentials, or payment details for processing payments.
The Fiverr site will always have an “https” prefix (or a lock icon) at the beginning of its website address (URL).

Click to see an example of a phishing site that is not Fiverr:
Protect your computer from malware
Keep your antivirus software up to date.
Adjust your settings and firewall to prevent unauthorized installations and connections.
Back up your files.
Use strong, varying passwords for websites you access.
Never click on suspicious links or open unsolicited files.
Manually access Fiverr by opening a new window if you’re unsure about a link.

While Fiverr takes the security of its community very seriously, neither Fiverr nor any person associated with Fiverr makes any warranty or representation with respect to third parties’ acts or omissions. If you have transferred funds and believe it was part of a scam, we strongly recommend contacting your payment provider immediately to cancel the transaction. Fiverr will not be responsible or liable for any unauthorized access, breach of firewalls or other hacking by third parties.

This article aims to increase awareness within our community. For more information on staying safe, please refer to our Community Standards and Communication: The Dos and Don’ts. For more tips on keeping your account safe or to report an issue, feel free to contact our Customer Support team.

For more on this policy and best practices for staying safe from spam and phishing, see a helpful video here.

DoshCapital Investments Ltd.

107 Badajoz Road, North Ryde, Sydney NSW 2113, Australia

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Updated: 20th Feb 2026

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