Terms and Conditions

These Terms and Conditions (the Terms) form a binding agreement between you (the Client, you) and Yal Group Inc. (YAL, we, us), an International Business Company incorporated in Saint Lucia under company registration number 2026-00484, with its registered office at Ground Floor, Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.

These Terms apply together with our Risk Warning, Order Execution Policy, AML and KYC Policy and Privacy Policy. Together these documents are the Agreement. If there is any conflict between them, these Terms prevail, except where the conflicting document states otherwise on a matter it specifically governs.

To open an Account you must:

• be at least 18 years old and of full legal capacity in your country of residence;
• not be resident or located in a jurisdiction in which we do not accept clients, and not be applying on behalf of a person who is;
• not be a person subject to sanctions imposed by the United Nations, the European Union, the United Kingdom, the United States or any other authority whose measures apply to us, or be owned or controlled by, or acting on behalf of, a person subject to applicable sanctions;
• be applying on your own behalf and for your own account, unless we have agreed in writing that you may act for another person;
• provide the identification and verification material described in our AML and KYC Policy, and keep it current.

YAL does not accept clients resident or located in Iran, North Korea (DPRK), Myanmar, Syria, Russia, Belarus, Cuba, Venezuela, Libya, Somalia, Yemen, Zimbabwe, the Central African Republic, Mali, the Democratic Republic of the Congo, or Crimea, Donetsk, Luhansk and other occupied or restricted regions. YAL also does not accept clients resident or located in the United Arab Emirates.

This site is not directed at residents of any jurisdiction where its publication or use would be contrary to local law.

We may block access to our website and services from a jurisdiction on the basis of the location your connection appears to come from. That is a good-faith access control and not a determination about you personally. If you believe you have been blocked in error, contact us at info@yal.com.

The availability of the Platform or Services in a particular jurisdiction does not constitute a representation that the Services are permitted under the laws of that jurisdiction. YAL may restrict, decline or discontinue access to the Services where required by applicable law, regulatory requirements, internal risk controls or the requirements of its service providers.

You apply for an Account by completing our application and providing the material we ask for. We may accept or decline an application at our discretion and we are not obliged to give reasons. No contract exists between us, and you may not deposit funds or place an Instruction, until we confirm in writing that your Account is open.

You must give us information that is accurate, complete and not misleading, and you must tell us promptly if it changes. This includes your name, address, country of residence, tax residence, contact details, employment, and the financial information we use to assess your application.

As part of our account-opening process, we may assess your knowledge and experience in relation to CFDs, leveraged trading and the associated risks, where required by our onboarding standards or applicable requirements.

Minimum deposit requirements may vary by account type and funding method. The applicable amount will be clearly displayed before you fund your account.

Nothing we publish or send you is investment, financial, legal or tax advice, or a personal recommendation. That includes market commentary, research, educational material, economic calendars, trading tools, calculators, indicative prices, and anything said to you by our staff. Where we express an opinion or provide analysis, it is general information that takes no account of your objectives, your financial situation or your needs.

Every decision to open, hold, modify or close a position is yours alone, and you are responsible for its outcome. If you are unsure whether a transaction is suitable for you, you should take independent advice before placing it.

We provide access to CFDs on the instruments published on the Platform. We may add, suspend or withdraw an instrument, change its trading hours, or change its contract specification, at any time and without notice where market conditions or our own risk management require it.

You are responsible for keeping your login credentials, passwords and any second-factor device secure, and for every Instruction placed using them. We are entitled to treat any Instruction received through your credentials as given by you, and to act on it, unless you have already told us the credentials are compromised and we have had a reasonable opportunity to act.

Tell us immediately if you know or suspect that a third party has learned your credentials, that your Account has been accessed without your authority, or that an Instruction you did not give has been executed.

You may authorise another person to operate your Account only with our prior written agreement and on the terms we set. If we agree, you remain fully responsible for everything that person does, and we may act on their Instructions until you revoke the authority in writing and we have had a reasonable opportunity to act on the revocation. We do not accept applications from, and do not permit, an arrangement in which a third party trades your Account for a fee or a share of profits unless that arrangement has been disclosed to us and approved in writing.

You may open more than one Account. Each Account is margined separately unless we agree otherwise in writing, so a surplus on one Account does not prevent a close-out on another.

You place Instructions through the Platform. We may, but are not obliged to, accept an Instruction by another channel. We are not obliged to accept any Instruction, and we may decline or cancel one, in the circumstances described in our Order Execution Policy, which forms part of this Agreement and which you agree to by entering into it.

An Instruction is only effective when it has reached our systems and been accepted by them. Transmission of an Instruction is not acceptance of it. A confirmation shown on the Platform is a record of what our systems processed, and it is that record which governs, save for manifest error.

The price at which your order is filled may differ from the price shown when you placed it. Prices move, and in fast or thin markets they move between the moment an order is sent and the moment it is executed. This applies to fills that are better than the requested price as well as worse. Stop orders are not guaranteed to fill at their stop level, and in a gapping market they may fill materially away from it.

You may cancel or amend a pending order at any time before it is executed. You cannot cancel or amend an order once it has begun to execute.

Manifest error. If we execute a transaction on a price which was materially wrong at the time, because of a feed failure, a data error, an outage or an obvious mispricing, we may void the transaction or amend it to the price we reasonably determine would have applied. We will act in good faith, tell you promptly, and where the error was ours we will not seek to make a gain from correcting it.

Leveraged products require you to hold Margin against your open positions. The Margin requirement is set per instrument, is expressed as a percentage of the position's notional value, and is published on the Platform. We may change it at any time, including for positions you already hold, and a change may take effect immediately where market conditions require.

Leveraged trading requires sufficient margin to open and maintain positions. Margin requirements may vary depending on the instrument, account type and prevailing market conditions.

You are responsible for monitoring the margin level and available equity in your Account at all times. If your Account equity or margin level falls below the applicable requirements, YAL may restrict trading or close some or all open positions in accordance with the applicable trading conditions.

The applicable close-out level will be made available on the Platform and/or communicated as part of the relevant trading conditions before live trading is enabled.

The treatment of negative Account balances, including whether negative balance protection applies, will depend on the applicable Account and trading conditions. The relevant terms will be disclosed to clients before live trading is made available.

If a debit balance arises on your Account, it is immediately due and payable. We may set off any amount you owe us against any money we hold for you on any Account, and we may convert currencies at a rate we reasonably determine in order to do so.

Client funds will be handled through appropriate banking and/or payment arrangements established for the provision of our services and in accordance with our applicable internal controls.

We maintain appropriate controls designed to distinguish client funds from funds used for YAL's own operational purposes. The specific arrangements applicable to deposits and withdrawals may vary depending on the payment method, service provider and jurisdiction.

Details relevant to the handling of client funds will be made available to clients as part of the applicable account and funding terms before live trading services are made available.

We do not pay interest on money we hold for you, and we retain any interest earned on client accounts, unless we have agreed otherwise in writing.

The costs of trading with us may include:

• The spread. The difference between our bid and ask price for an instrument. Spreads vary with market conditions and are wider at times of low liquidity and around scheduled events.
• Commission. Charged per lot or as a percentage of notional value on certain account types, as published on our website.
• Overnight financing (swap). Applied to positions held past the daily rollover time. It may be a debit or a credit depending on the instrument and the direction of your position, and it is charged at a multiple on the day that carries the weekend.
• Currency conversion. Where a transaction settles in a currency other than your Account currency, at the rate we apply at the time.
• Payment charges. Costs applied by payment providers or intermediary banks on deposits and withdrawals, and any charge we publish for a particular method.
• Account charges. Any inactivity or administration charge we publish, applied only after notice and only in the circumstances described.

Our current charges are published on our website and on the Platform, and the published figures govern. We may change them, and we will give you reasonable notice of an increase unless the change results from a market or third-party cost outside our control, in which case it may take effect immediately.

You are responsible for any tax arising from your trading, and for reporting it. We do not withhold tax on your behalf and we do not give tax advice.

You may fund your Account by the methods published on our website. We accept funds only from an account held in your own name. We do not accept third-party payments, and a payment received from a third party will be returned to source, which may take time and may incur charges.

We return withdrawals to the source of the original deposit wherever we can, in the same currency and by the same method, before any balance can be sent elsewhere. This is an anti-money-laundering control and it is not negotiable. See our AML and KYC Policy.

We process withdrawal requests promptly on business days. We may delay or refuse a withdrawal where your identification is incomplete or out of date, where the withdrawal would leave insufficient Margin for your open positions, where we are required to do so by law or by a competent authority, or where we reasonably suspect fraud, money laundering or a breach of this Agreement. Where we are permitted to tell you the reason, we will.

Funds deposited must be used for trading. An account funded and then withdrawn with little or no trading activity may be treated as an attempted use of our services as a payment or currency conversion facility, which is prohibited under clause 16.

We provide access to MetaTrader 5. This platform, and the mobile and web applications associated with it, are licensed to us by its owner and are not our software. Every account type runs on it, as published on our website.

We grant you a personal, non-exclusive, non-transferable right to use the Platform for the purpose of trading your own Account. You must not copy, decompile, resell or make the Platform available to any other person, and you must comply with any licence terms imposed by the platform provider.

Prices, charts, news, calendars and analysis shown on the Platform or our website may come from third parties. We do not warrant that any of it is accurate, complete, current or uninterrupted, and it is provided for information only. Indicative prices shown outside a live trading session, and prices shown on marketing pages, are not dealable prices.

You may use automated strategies, expert advisors and algorithms permitted by the Platform. You do so entirely at your own risk. You remain responsible for every Instruction your software generates, including Instructions generated in error or in a loop, and we may restrict or suspend automated trading on your Account where it threatens the stability or integrity of our systems.

We do not operate a proprietary YAL trading application and we do not represent that we do. Access to your Account is through the platforms named above.

We maintain arrangements to identify and manage conflicts between our interests and yours, and between the interests of different clients. A conflict may arise from the capacity in which we execute your order, from the remuneration we receive, from our relationships with liquidity providers and introducing brokers, or from a personal interest held by our staff.

Where our arrangements are not sufficient to be reasonably confident that the risk of damage to your interests can be prevented, we will disclose the conflict to you before acting.

We may pay a fee or a share of revenue to an introducing broker or affiliate who introduced you to us. Any such arrangement is disclosed on request. An introducing broker is not our agent, is not authorised to give you advice or to trade on your behalf, and cannot make commitments that bind us.

We communicate with you in English unless we have agreed otherwise. We may contact you by email, through the Platform, by telephone, or through the messaging channels you have given us. You must keep your contact details current, and a notice sent to the last address you gave us is treated as received.

We record telephone calls and retain electronic communications with you. Those records are our property, are evidence of the Instructions given, and may be used in a dispute, an investigation, or where a regulator or court requires them. See our Privacy Policy for how long we keep them.

You should review all confirmations and statements made available to you and notify us promptly if you identify any error, discrepancy or unauthorized activity. Any concern should be raised as soon as reasonably practicable after the relevant confirmation or statement becomes available. We will review any matter raised in accordance with our applicable procedures and the terms of this Agreement.

Each time you place an Instruction you confirm that:

1. you meet the eligibility requirements in clause 3 and continue to do so;
2. you are acting on your own behalf and on your own judgement, and not in reliance on anything we have said;
3. you understand the nature of the instrument you are trading and the risks set out in our Risk Warning;
4. the funds in your Account are yours, are lawfully obtained, and are not the proceeds of any criminal activity;
5. you are able to bear the loss of the entire amount in your Account, and any further amount that may become due;
6. the information you have given us is accurate and complete, and you will update it promptly if it changes.

You must not:

• use our services for money laundering, terrorist financing, tax evasion, fraud, or any other unlawful purpose;
• use our services as a payment, transfer or currency conversion facility rather than for trading;
• trade on a price you knew or ought to have known was erroneous, stale or off-market, or exploit a latency, feed or system fault;
• engage in market abuse, including manipulation, or trade on the basis of inside information;
• hold positions across accounts, whether yours or held with others acting in concert with you, for the purpose of exploiting our pricing, financing or promotional arrangements rather than taking market risk;
• attempt to gain unauthorised access to our systems, interfere with them, or place load on them by an automated means that is not ordinary trading activity;
• give us information you know to be false, or conceal information we have asked for.

Where we reasonably determine that you have engaged in conduct of this kind, we may void the affected transactions, recover any profit made from them, close your positions, suspend or close your Account, withhold funds pending investigation, and report the matter to the authorities. We will act proportionately and we will explain our decision to you unless the law prevents us from doing so.

You may close your Account at any time by telling us in writing, provided you have no open positions and no amount is owing to us.

We may terminate this Agreement by providing you with reasonable prior written notice, where permitted by applicable law. We may suspend your Account, refuse Instructions or terminate immediately and without notice where you are in material breach of this Agreement, where you become insolvent or die, where we are required to do so by law or by a competent authority, where continuing would expose us to legal or regulatory risk, or where we reasonably suspect the conduct described in clause 16.

On termination we will close any open positions at prevailing prices, calculate what is owed in each direction, set off the amounts, and pay any balance to you once our checks are complete. Termination does not affect any right or obligation that has already accrued, and clauses 15, 16, 18, 19, 21 and 24 survive it.

We will provide our services with reasonable care and skill. We are liable to you for loss you suffer as a direct result of our negligence, wilful default or fraud, subject to applicable law.

Subject to that, and to the extent permitted by law, we are not liable for:

• any trading loss, or any loss arising from a decision you made, including a decision made in reliance on general information, commentary or educational material;
• loss of profit, loss of opportunity, loss of anticipated saving, or any indirect or consequential loss, however arising;
• the acts, omissions, insolvency or default of a third party we have selected with reasonable care, including a bank, payment provider, liquidity provider, data vendor or platform provider;
• any failure, delay, interruption, error or unavailability of the internet, your own equipment or connection, or a third-party platform, except to the extent it results from our negligence;
• a price movement, gap, spread widening, slippage or lack of liquidity, none of which is within our control.

Nothing in this Agreement excludes or limits our liability for fraud, for fraudulent misrepresentation, for death or personal injury caused by our negligence, or for any other liability that cannot lawfully be excluded.

You will indemnify us against any cost, claim, liability or expense we reasonably incur as a result of your breach of this Agreement, of any Instruction given through your Account, or of any information you gave us that was false or misleading. This does not apply to the extent the cost or claim arises from our own negligence, wilful default or fraud.

We are not in breach of this Agreement, and are not liable, where we are prevented from performing it by an event beyond our reasonable control. That includes the suspension or closure of a market, a failure or suspension of a liquidity source or price feed, an act of a government or regulator, war, civil unrest, terrorism, natural disaster, epidemic, industrial action, failure of a public telecommunications or power network, and a cyber attack.

In such an event we may, acting reasonably, suspend trading, widen spreads, change Margin requirements, close positions, or take any other step we consider necessary to protect our position and that of our clients. We will tell you as soon as we reasonably can.

If you are dissatisfied with our services or wish to raise a complaint, please contact us at info@yal.com. Please provide your Account number, a description of the issue, relevant dates and any supporting information that may assist us in reviewing your complaint.

We will acknowledge and review complaints promptly and fairly in accordance with our internal complaints handling procedures and any applicable legal or regulatory requirements. We will keep you informed of the progress of our review and provide you with our response as soon as reasonably practicable. If additional time is required to investigate a complaint, we will inform you accordingly.

Where an external complaint or dispute-resolution mechanism is available or applicable to you, we will provide information regarding the relevant escalation route in accordance with applicable requirements. The availability of any external dispute-resolution, ombudsman or investor compensation arrangement may depend on the applicable jurisdiction and circumstances.

We may change this Agreement. Where a change is material and to your disadvantage, we will provide you with reasonable prior notice before the change takes effect, where reasonably practicable and subject to applicable legal or regulatory requirements. You may close your Account without charge before it takes effect. Where a change is required by law, corrects an error, or is to your advantage, it may take effect immediately.

The current version is always the one published on our website. Continuing to use your Account after a change takes effect means you accept it.

• Entire agreement. This Agreement is the whole of what has been agreed between us about our services, and it replaces anything said or written before it. Nothing in this clause limits our liability for fraud or fraudulent misrepresentation.
• Assignment. You may not transfer your rights or obligations under this Agreement. We may transfer ours to another entity in our group, or to a purchaser of our business, on notice to you, provided your rights are not prejudiced.
• Severability. If any provision is found to be unenforceable, the rest of the Agreement continues in force.
• No waiver. If we do not enforce a right, or delay in enforcing it, that is not a waiver of it.
• Third parties. No person other than you and us has any right to enforce this Agreement.
• Language. This Agreement is made in English. Where we provide a translation, it is for convenience and the English version governs.

This Agreement, and any dispute arising out of or in connection with it, is governed by the law of Saint Lucia.

The courts of Saint Lucia have exclusive jurisdiction, except that we may bring proceedings against you in any other court with jurisdiction over you, including in the country of your residence, in order to enforce this Agreement or a judgment.

Yal Group Inc., Ground Floor, Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia. Email info@yal.com. Company registration number 2026-00484, Saint Lucia.