Client Trading Agreement
& Terms and Conditions

1Company Information

The services covered by this Agreement are provided by:

References on our website to ASIC, AUSTRAC, FCA, AFCA, licences, registrations, memberships or regulatory status apply only to the relevant legal entity, jurisdiction, product and client category to which the relevant registration, licence or membership applies. Regulatory status should not be interpreted as a guarantee of investment performance or protection from trading losses.

2Purpose of This Agreement

This Agreement establishes the legal framework under which you may:

• Open and maintain a trading account
• Access our trading platforms
• Trade available financial instruments
• Access AI-powered signals and market intelligence
• Use portfolio analytics and risk-management tools
• Access educational resources
• Participate in rewards and promotional programmes
• Use automated or AI-enabled trading functionality where made available
• Access other services introduced by Capitals.au from time to time

Not every service is available to every client, jurisdiction, account type or product.

3Definitions

4Acceptance of the Agreement

You accept this Agreement when you:

• Register for an Account
• Click "I Agree" or an equivalent acceptance button
• Deposit funds
• Place an Order
• Access or use a Trading Platform
• Use AI signals or automated services
• Participate in a Capitals.au rewards programme

If you do not agree to these Terms, you must not use our services.

5Eligibility

To open or maintain an Account, you must:

• Be at least 18 years old or meet the applicable age of majority in your jurisdiction
• Have legal capacity to enter into this Agreement
• Provide accurate and complete information
• Successfully complete our KYC and AML verification requirements
• Comply with applicable laws and regulations
• Not be located in a prohibited or restricted jurisdiction
• Satisfy any applicable suitability, appropriateness or eligibility assessment

We may refuse an application where permitted or required by law, regulation, compliance requirements or internal risk controls.

6Jurisdictional Restrictions

Capitals.au services are not necessarily available in every jurisdiction. Financial services, CFDs, cryptocurrency services, leveraged products and automated trading may be restricted or prohibited in certain countries.

You are responsible for determining whether you may legally access and use our services in your jurisdiction. We may restrict products, leverage, account types, promotions, AI services or other features based on your country of residence, nationality, regulatory classification or other applicable factors.

7KYC, AML and Client Verification

Before opening or maintaining an Account, we may require identity and financial verification. This may include:

• Government-issued identification
• Proof of residential address
• Source-of-funds information
• Source-of-wealth information
• Tax information
• Employment information
• Financial information
• Trading experience
• Beneficial ownership information
• Additional documentation requested by our compliance team

Our AML/CTF framework includes customer due diligence, transaction monitoring, enhanced due diligence and reporting obligations where applicable. We may suspend or restrict an Account while verification is being completed.

8Politically Exposed Persons

You must disclose if you are, or become, a Politically Exposed Person ("PEP") or otherwise fall within a category requiring enhanced due diligence. PEP status does not necessarily prevent an Account from being opened. However, additional verification, approval and monitoring may be required.

9Account Registration

You must provide accurate, current and complete information. You must not:

• Impersonate another person
• Create an Account using false information
• Create duplicate Accounts for prohibited purposes
• Provide inaccurate financial information
• Conceal beneficial ownership
• Use another person's identity
• Provide misleading documentation

False or misleading information may constitute a material breach of this Agreement.

10Account Security

You are responsible for protecting your username, password, authentication credentials, two-factor authentication, API credentials, trading credentials, devices and recovery information.

You must notify Capitals.au immediately if you suspect:

• Unauthorised access
• Credential theft
• Account compromise
• Suspicious transactions
• Unauthorised Orders

We may temporarily restrict access while investigating a security incident.

11Services Provided by Capitals.au

Depending on eligibility and jurisdiction, Capitals.au may provide access to:

The available products and features may vary by jurisdiction and Account type.

12Financial Markets Available

The list of available instruments may change without notice where permitted by law.

13AI-Powered Market Intelligence

Capitals.au operates an AI-focused trading and market-intelligence environment. The platform's AI technology includes:

• Predictive analytics
• Sentiment analysis
• Technical pattern recognition
• Historical backtesting
• Market scanning
• Signal generation
• Risk analysis
• Portfolio analysis
• Automated trading functionality

The AI Engine may analyse market data, news, social signals, technical indicators, historical data and other information.

14AI Signals

AI signals are provided for informational and analytical purposes unless a separate legally authorised advisory service applies. An AI signal may include:

• Buy/Sell indications
• Entry levels
• Exit levels
• Confidence scores
• Market sentiment
• Risk scores
• Technical patterns
• Predicted market direction
• Portfolio information

You remain solely responsible for deciding whether to enter, modify or close a trade. You must not treat an AI signal as a guarantee of profit.

15AI Signal Performance

Any performance figures displayed on the website, including historical accuracy, win rates, returns, backtested results, model performance or other statistics, must be understood in context.

Historical, simulated or backtested performance does not guarantee future performance.

Actual results may differ materially because of spreads, commissions, slippage, liquidity, execution, leverage, market conditions, timing, account size, risk settings and trading behaviour.

16Automated AI Trading

Where enabled for an eligible Account, Capitals.au may provide AI-powered automated trading functionality. Automated systems may analyse markets, generate signals, determine entries and exits, adjust risk parameters, rebalance portfolios, execute transactions and monitor open positions.

Automated trading does not eliminate risk. You remain responsible for understanding and monitoring the level of authority granted to any automated system.

17AI Bot Services

Certain account tiers may receive access to Capitals.au AI Bot services. The platform describes AI Bot functionality for Royal, Exclusive and Business tiers, including increasingly advanced automation, portfolio management, risk controls and AI-assisted execution.

The availability, functionality, limits and performance of any AI Bot may change. No AI Bot guarantees profits or protection from all losses.

18AI Technology Limitations

AI systems can experience model errors, incorrect predictions, data errors, incomplete information, false signals, delayed information, unexpected behaviour, software failures and infrastructure failures.

AI systems cannot predict financial markets with certainty. You should not rely exclusively on automated systems when making financial decisions.

19Trading Platforms

20Order Execution

You acknowledge that market prices may change between the time an Order is submitted and the time it is executed. Execution may be affected by market volatility, liquidity, spreads, latency, market gaps, technical failures, available counterparties, trading-session conditions and economic announcements.

We do not guarantee that an Order will always execute at the displayed price.

21Slippage

Slippage occurs when the actual execution price differs from the requested or displayed price. Slippage can be positive or negative. It may become more significant during major economic announcements, market opening or closing, periods of extreme volatility, low-liquidity periods, geopolitical events and unexpected market movements.

A Stop Loss does not necessarily guarantee execution at the exact Stop Loss price.

22Spreads

The difference between bid and ask prices may vary according to instrument, Account type, market conditions, liquidity, volatility, trading session and execution environment. Spreads may widen during abnormal or volatile market conditions.

23Commissions and Financing

Depending on the instrument and Account type, you may incur spreads, commissions, overnight financing, swap charges, administrative charges, conversion fees, withdrawal charges and other disclosed costs. Applicable fees are displayed through the applicable trading conditions or Account information.

24Leverage

Leverage allows you to obtain market exposure greater than the amount deposited as Margin. Leverage magnifies both gains and losses.

The platform's trading tools display leverage examples ranging from 10x through 500x depending on the applicable product and configuration. Such examples are illustrative and do not constitute a guarantee that any particular leverage level will be available to every Client.

Actual leverage limits may be restricted by law, regulation, jurisdiction, client classification, instrument, Account type, market conditions and internal risk controls.

25Margin

You must maintain sufficient Margin for your open Positions. We may require additional Margin at any time where permitted. If your Account does not maintain sufficient Margin, we may close one or more Positions.

26Stop-Out

Capitals.au may operate automated risk controls. The applicable Stop-Out level for your Account is the level displayed in your applicable Trading Conditions and may vary by product or Account type.

During extreme market conditions, Positions may be closed at prices materially different from the prices displayed when the Stop-Out condition was reached.

27Negative Balance Protection

Where negative-balance protection applies to your Account, Capitals.au may take measures designed to prevent eligible retail clients from losing more than the funds available in the applicable trading account. The scope, eligibility and application of any negative-balance protection depend on the relevant legal entity, jurisdiction, product and Account type.

Negative-balance protection should not be interpreted as protection against ordinary trading losses.

28Market Gaps

Financial markets can open or move sharply at prices significantly different from previously available prices. This may result in Stop Loss slippage, larger-than-expected losses, Margin depletion, forced liquidation and execution at a materially different price. You acknowledge these risks when using leveraged products.

29High-Volatility Events

Market conditions can deteriorate rapidly during central-bank decisions, employment reports, inflation announcements, elections, wars, geopolitical events, natural disasters, financial crises, exchange outages, cryptocurrency events and unexpected regulatory announcements. During such periods, spreads may widen and liquidity may decline.

30Prohibited Trading Activity

You must not use Capitals.au to engage in:

• Market manipulation
• Wash trading
• Spoofing
• Layering
• Fraudulent activity
• Money laundering
• Terrorist financing
• Sanctions evasion
• Abusive trading
• Exploitation of technical errors
• Price-feed manipulation
• Unauthorised access
• System interference
• Unlawful activity

We may investigate transactions and take appropriate action where prohibited activity is identified.

31Latency and Price Exploitation

Strategies designed primarily to exploit delayed quotations, stale prices, technical failures, price-feed discrepancies, latency or system errors may be restricted. Where permitted by law, we may cancel, adjust or otherwise address transactions affected by demonstrable technical or pricing errors.

32Algorithmic Trading

Automated trading, APIs, bots and Expert Advisors may only be used where permitted for the relevant Account and platform. You must not overload our infrastructure, bypass trading restrictions, interfere with platform operations, use automation to exploit technical vulnerabilities or engage in prohibited market activity. We may restrict automated access where reasonably necessary to protect the platform or its clients.

33Copy Trading and Signal Following

Where copy trading or signal-following services are offered, you acknowledge that previous performance does not guarantee future results, copied trades may be executed at different prices, delays may occur, liquidity may differ, losses may occur and the strategy provider may change trading behaviour.

Copy trading does not constitute guaranteed investment management unless expressly stated in a separate legally authorised agreement.

34Education and Market Analysis

Capitals.au provides educational materials, market analysis and trading resources including trading guides, market analysis, risk-management resources, signal explanations and a free foundations course.

Educational content is provided for general informational purposes. It does not constitute personal financial, investment, legal or tax advice.

35Demo Accounts

Where available, demo accounts may allow Clients to practise trading using simulated funds with virtual funds for practice and AI signal access.

Demo trading results may differ materially from live trading because simulated environments may not reproduce actual liquidity, slippage, commissions, execution delays, market impact or psychological factors.

36Account Tiers

Capitals.au currently presents five principal Rewards membership tiers:

Account eligibility, minimum deposits, benefits, cashback and promotional features are subject to the applicable Account and Rewards Terms.

37Essential Account

• Minimum deposit of $200
• 5% cashback
• 25% deposit bonus
• Weekly market insights
• Standard spreads
• Email support
• Basic educational content
• Two protected trades
• Protected-trade coverage of 25% of account value

These benefits are promotional and remain subject to applicable conditions and Rewards Terms.

38Professional Account

• Minimum deposit of $2,500
• 10% cashback
• 50% deposit bonus
• Daily market briefings
• Reduced spreads
• Priority support
• Advanced education
• Dedicated account manager
• Three protected trades
• Protected-trade coverage of 38% of account value

These benefits are promotional and remain subject to applicable conditions and Rewards Terms.

39Royal Account

• Minimum deposit of $5,000
• 15% cashback
• 75% deposit bonus
• Real-time AI signals
• Tighter spreads
• VIP support
• Full education suite
• Senior account manager
• Monthly strategy sessions
• AI Bot access
• Five AI-protected trades
• Protected-trade coverage of 50% of account value

These benefits are promotional and remain subject to applicable conditions and Rewards Terms.

40Exclusive Account

• Minimum deposit of $10,000
• 20% cashback
• 100% deposit bonus
• Premium AI Bot
• AI portfolio rebalancing and optimisation
• Predictive AI scoring
• Zero-commission trading as advertised
• Dedicated AI strategy desk
• Human advisor access
• Private webinars
• Relationship manager
• Early access to selected AI features
• Eight AI-protected trades
• Protected coverage of 63% of account value

These benefits are promotional and remain subject to applicable conditions and Rewards Terms.

41Business Account

• Minimum deposit of $20,000
• 25% cashback
• 150% deposit bonus
• Institutional-grade Premium AI Bot
• Autonomous execution with configurable AI parameters
• Institutional quantitative models
• Deep liquidity
• Custom spread arrangements
• API access
• Multi-account management
• Dedicated trading desk
• Bespoke analytics
• Relationship management
• 12 AI-protected trades
• Protected coverage of 75% of account value

These benefits are promotional and remain subject to applicable conditions and Rewards Terms.

42Rewards Programme

Capitals.au may provide deposit bonuses, trade cashback, loyalty points, referral rewards, protected trades, account-tier benefits, promotional bonuses and AI benefits. The current Rewards page advertises deposit matching of up to 150%, cashback of up to 25%, loyalty points and referral rewards of up to $200.

All rewards are subject to eligibility, account status, promotional rules, turnover requirements and applicable legal restrictions.

43Deposit Bonuses

Deposit bonuses are promotional credits and do not necessarily constitute immediately withdrawable cash. The applicable promotional terms may specify qualifying deposits, minimum deposit requirements, trading volume requirements, expiry, withdrawal conditions, maximum bonus amounts, account eligibility and restrictions on withdrawals.

We may cancel promotional benefits obtained through fraud, abuse or breach of the applicable promotion.

44Cashback

Where available, cashback may be credited based on eligible trading activity. Cashback calculations, qualifying trades, payment frequency and withdrawal conditions are governed by the applicable Rewards Terms.

45Loyalty Points

Where available, Clients may earn loyalty points based on eligible trading activity. Points may be redeemable for bonuses, fee waivers, benefits, other rewards or cash where expressly permitted. One point may be earned per lot traded, subject to the applicable programme conditions.

46Referral Programme

Where available, Clients may receive referral rewards for qualifying referrals of up to $200 per qualifying referral. Self-referrals, fraudulent referrals, duplicate accounts and artificial activity are prohibited.

47Protected Trades

Certain Account tiers may receive protected trades. A protected trade does not mean that all trading losses are eliminated. Eligibility, coverage, maximum protected value, number of protected trades, qualifying instruments, activation conditions and settlement procedures are governed by the applicable promotion.

48Loss-Protection and AI Protection

Where Capitals.au provides a loss-protection programme, the protection applies only to qualifying transactions and within the limits specified by the applicable programme. AI protection does not guarantee that every trade will be profitable.

The Company may refuse protection where a transaction involves fraud, abuse, prohibited trading, manipulation, breach of promotional conditions or unauthorised activity.

49Deposits

Deposits must generally originate from a bank account or payment method held in your own name. Third-party deposits are not accepted unless expressly authorised. We may conduct additional verification before crediting or releasing funds. Payment processing times may vary according to the payment provider and banking system.

50Withdrawals

Withdrawal requests are subject to identity verification, AML/CTF checks, account status, payment-provider requirements, applicable legal requirements, available funds and applicable promotional restrictions.

Withdrawals are generally processed within 1–5 business days, subject to verification and AML checks. Processing times may be extended where additional verification or legal review is required.

51Third-Party Payment Methods

We may use third-party payment providers. Such providers may impose their own fees, processing times, verification requirements, transaction limits and currency conversion charges. We are not responsible for delays caused solely by a third-party payment provider, subject to applicable law.

52Client Funds

Where applicable, Client funds may be maintained separately from Company operational funds in accordance with the requirements applicable to the relevant legal entity and jurisdiction. The precise protection available to you depends on the legal entity with which you contract, your jurisdiction and the applicable regulatory framework.

53Counterparty Risk

For certain CFD or derivative products, Capitals.au may act as the counterparty to your transaction. Counterparty arrangements vary according to product and jurisdiction. You should review the applicable product disclosure and risk documentation before trading.

54Market Data

Market prices, charts, economic information, news, sentiment and other data may be obtained from third-party providers. Data may occasionally be delayed, incomplete, inaccurate, interrupted or unavailable. You should independently assess information before placing trades.

55Platform Security

Capitals.au's platform uses encrypted communications and two-factor authentication. No online system can be guaranteed to be completely secure. You remain responsible for maintaining appropriate security over your devices and credentials.

56Platform Availability

We aim to maintain reliable access to our systems. However, availability may be affected by maintenance, server failure, cyberattacks, internet failures, telecommunications failures, third-party infrastructure, market outages and extraordinary events. We do not guarantee uninterrupted availability.

57Technical Errors

If an obvious technical or pricing error occurs, we may investigate affected transactions. Where permitted by law and reasonably necessary, we may correct the error, cancel an affected transaction, adjust the transaction or restore the account to the position that would reasonably have existed absent the error. We will act in accordance with Applicable Law.

58Intellectual Property

All intellectual property relating to Capitals.au remains the property of the Company or its licensors, including software, AI technology, algorithms, trading signals, databases, market data arrangements, website design, graphics, trademarks, logos, educational content, written materials and proprietary systems.

You receive only a limited right to use these services for their intended purpose. You must not copy, reproduce, distribute, sell, reverse engineer, decompile, extract, scrape or commercially exploit our proprietary technology without written permission.

59AI and Proprietary Data Protection

You must not attempt to obtain or reproduce Capitals.au's proprietary AI models, algorithms, training data, signal-generation logic or proprietary market-data infrastructure. Any attempt to reverse engineer, extract or reproduce proprietary AI technology may constitute a material breach.

60Privacy

Personal information will be handled in accordance with our Privacy Policy and applicable privacy legislation. We may process information for account administration, identity verification, fraud prevention, AML/CTF, transaction processing, customer support, security, regulatory compliance and service improvement.

61Taxation

You are responsible for determining and complying with your own tax obligations. Trading profits, losses, dividends, rewards, bonuses, cryptocurrency transactions and other financial activity may have tax consequences. Capitals.au does not provide personal tax advice unless expressly authorised to do so.

62No Guarantee of Profit

Nothing contained on our website, platforms, educational materials, AI tools or promotional materials constitutes a guarantee that you will make a profit. Statements concerning signal accuracy, win rates, portfolio growth, profit optimisation, AI performance, historical returns and protected trades must not be interpreted as guarantees of future results.

63No Personal Financial Advice

Capitals.au does not provide personalised financial advice unless expressly stated and legally authorised. AI signals, market analysis, educational material and platform information are not substitutes for independent financial advice. You remain responsible for your own investment decisions.

64Client Representations

By using Capitals.au, you represent that:

• You are legally capable of entering this Agreement
• The information provided by you is accurate
• You are acting for your own account unless otherwise disclosed
• Deposited funds are lawfully obtained
• You will comply with applicable laws
• You understand leveraged trading risks
• You understand that losses may occur
• You will not use the platform for unlawful activity

65Suspension of an Account

We may suspend an Account where reasonably necessary, including where KYC is incomplete, suspicious activity is detected, fraud is suspected, AML requirements apply, a payment is disputed, prohibited trading is identified, account security is compromised, required by a regulator or competent authority, or you breach this Agreement.

66Account Termination

Either party may terminate the Account relationship subject to Applicable Law and outstanding obligations. We may terminate an Account immediately where you materially breach this Agreement, provide false information, engage in fraud or prohibited activity, where required by law, or where continued service would create unacceptable regulatory or legal risk.

Termination does not remove obligations that accrued before termination.

67Death or Incapacity

Where applicable, we may require appropriate legal documentation before releasing or transferring funds belonging to a deceased or legally incapacitated Client. We may restrict account access while determining the lawful beneficiary or authorised representative.

68Complaints

Complaints should be submitted to: complaints@capitals.au

Complaints are acknowledged within five business days and the Company aims to resolve complaints within 45 days. Nothing in this Agreement prevents you from exercising any mandatory statutory or regulatory complaint rights.

69External Dispute Resolution

Where applicable to the relevant Company entity and Client, disputes may be eligible for external dispute resolution through the relevant authorised scheme. The Capitals.au website identifies AFCA membership as part of its regulatory framework. The availability and jurisdiction of any external dispute-resolution scheme depend upon the relevant legal entity and Client.

70Limitation of Liability

To the maximum extent permitted by Applicable Law, Capitals.au shall not be liable for indirect, incidental, consequential, special or punitive losses arising from trading losses, market movements, lost opportunities, platform interruptions, technical failures, third-party service failures, market-data errors, delays, cybersecurity incidents or extraordinary market events.

Nothing in this Agreement excludes liability that cannot lawfully be excluded. Where legally permissible, the Company's aggregate liability shall be limited to the extent specified by Applicable Law and any applicable contractual limitation.

71Force Majeure

We shall not be responsible for failures caused by circumstances beyond our reasonable control, including war, terrorism, natural disasters, government action, sanctions, cyberattacks, telecommunications failures, exchange failures, banking failures, market closures, extreme market volatility, infrastructure failures, power outages, pandemics or other extraordinary events.

72Indemnification

To the extent permitted by law, you agree to indemnify Capitals.au and its officers, employees, contractors and service providers against claims, losses and costs arising from your breach of this Agreement, unlawful conduct, fraud, misuse of the platform, unauthorised access caused by your actions, violation of third-party rights or violation of Applicable Law.

73Electronic Communications

You consent to receiving communications electronically through email, Client Area, Trading Platform, mobile application, notifications and other electronic channels. Electronic communications may constitute legally valid records where permitted by law.

74Recording and Monitoring

Where legally permitted, communications and transactions may be recorded and monitored for compliance, security, quality assurance, fraud prevention, dispute resolution and regulatory requirements.

75Changes to Services

We may modify, add or discontinue products, instruments, Account features, AI functionality, rewards, platforms or other services. Where a change materially affects your contractual rights, we will provide notice where required by law.

76Changes to These Terms

We may amend these Terms from time to time. Material changes may be communicated by email, Client Area, platform notification, website publication or other appropriate communication with at least 14 days' notice of material changes. Continued use after the effective date constitutes acceptance to the extent permitted by law.

77Governing Law

Subject to mandatory consumer, financial-services and regulatory rights, this Agreement is governed by the laws of Victoria, Australia. Applicable FCA rules and UK law may apply to relevant UK clients. Nothing in this clause removes mandatory rights available to a Client under Applicable Law.

78Severability

If any provision is found invalid or unenforceable, it shall be modified or removed to the minimum extent necessary. All remaining provisions shall continue in effect.

79No Waiver

Failure by Capitals.au to enforce a provision of this Agreement does not constitute a waiver of our right to enforce that provision later.

80Assignment

You may not transfer your rights or obligations under this Agreement without our prior written consent. We may transfer or assign our rights and obligations where permitted by law.

81Entire Agreement

This Agreement, together with the applicable Risk Disclosure, Privacy Policy, AML/CTF Policy, Trading Conditions, Fee Schedule, Rewards Terms, promotional conditions, product disclosure documents and account-specific agreements, constitutes the contractual framework governing your use of Capitals.au services.

82Language

The English-language version of this Agreement is the authoritative version unless Applicable Law requires otherwise. Translations may be provided for convenience.

83Contact Information

84Client Acknowledgement

By opening an Account or using Capitals.au services, you confirm that:

• You have read these Terms
• You understand the risks of leveraged trading
• You understand that losses may occur
• You understand that AI predictions are not guarantees
• You understand that past performance does not guarantee future results
• You have provided accurate information
• You are legally permitted to use the services
• You will comply with AML/KYC requirements
• You will maintain Account security
• You accept the applicable fees
• You accept the applicable Account and Rewards Terms
• You understand the conditions governing protected trades
• You understand the limitations of automated trading
• You agree to this Client Trading Agreement