ACG Technology Ltd is registered in England and Wales under registration no. 15761282. Axis Capital is a trading name of ACG Technology LTD. Axis Capital, 71-75 Shelton Street, London, WC2H 9JQ, United Kingdom

Phone: + 44 (0) 330 043 1017 | Email: support@axisfunded.com | Web: www.axisfunded.com

ACG Technology Terms & Conditions

Please take time to thoroughly read these general terms and conditions. You acknowledge that you may be relinquishing certain rights and accept that you will be bound by these general terms and conditions by accessing or using this site, our services, or in any other way agreeing to them.

Overview / Important Trading Conditions

a) Participants are permitted to register only one account using a single email address and IP address.

b) Registration of multiple accounts by the same individual will result in disqualification from the evaluation process or live account environment.

Daily Drawdown Limit

a) The daily loss limit for 2-phase challenges is set at 5% of the initial account balance. The daily loss limit for 1-phase challenges is set at 4%.

b) The daily drawdown is calculated as follows: Daily Loss Limit = Previous Day's Balance - Current Day's Balance/Equity.

Maximum Allowable Drawdown

a) The maximum allowable drawdown for 2-phase challenges is 10% of the initial balance. The maximum allowable drawdown for 1-phase challenges is 7%.

b) Participants must ensure that their drawdown does not exceed this limit at any point during the challenge or live trading environment.

Use of Trade Copiers & Bots

a) The use of trade copiers or similar automated trading tools is prohibited unless all accounts involved are owned by the same user.

b) Participants are required to engage in manual trading only and must ensure that all trades are executed directly from their registered competition account.

c) The use of EAs is permitted.

d) High-Frequency Trading (HFT) is permitted on the platform; however, its use is subject to the Company's discretion. The Company reserves the right to review, limit, or prohibit HFT activities if they are deemed to conflict with the platform's policies, trading conditions, or the integrity of the trading environment.

Minimum Trading Days

a) To qualify for a payout, participants must actively trade for a minimum of 3 days during each phase during the evaluation period.

b) Participants must take at least 5 individual and separate trades. The trading days do not need to be consecutive.

c) There is no maximum number of trades that participants are required to take.

Leverage

a) The leverage for the competition is set at 1:100 for all two-phase challenges and 1:50 for all one-phase challenges.

Position and Lot Sizes

a) Funded accounts are allowed to open a maximum of 5 positions at a time.

b) The lot size limits are as follows:

  • Maximum lot size of 5 for Forex pairs.
  • Maximum lot size of 3 for Indices, Commodities, and Metals.

Trade Closure

a) Participants may close their trades at any time and are permitted to hold positions overnight or over the weekend.

Payout Eligibility

a) Traders are eligible to claim their first payout a minimum of 20 days after purchasing their challenge.

b) After the initial payout, traders may request daily payouts, which will be processed accordingly.

1. Preliminary Instructions

1.1 You, your, or the "Customer" have rights and obligations regarding the use of services (the "Services") offered by ACG Technology LTD t/as AXIS Capital, a company organised and existing under the laws of The United Kingdom, registered with Companies House under registration number, with its registered address at

“AXISCAPITAL” and/or “our” and/or the “Provider” and/or the “Company”), whether offered through the https://axisfunded.com/ (the “Website”) or otherwise. Please read these general terms and conditions carefully. You are under no obligation to use the Services if you do not agree or understand any portion of these general terms and conditions, nor should you use the Services unless you understand and agree to these general terms and conditions.

1.2 By either registering on the Website or using the Services without registering, where registration is not required, not later than by your first use of the Service, you are entering into a contract with the Provider for the provision of your selected Services. The general terms and conditions are a vital part of this contract, and by accepting the terms of the contract with the Provider, you are indicating consent to the general terms and conditions.

1.3 In compliance with applicable laws, none of the services that the provider offers you qualify as investment services. Regarding the way you should execute transactions when using the services or otherwise, or regarding any other similar information about the investment tools traded, the provider neither gives nor accepts any such instructions, guidance, or information from you. Neither investment advice nor recommendations are made by any of the services.

2. Definitions

2.1 The definitions and rules of interpretation in this clause 2 apply in these general terms and conditions:

2.1.1 “Client Portal” means the user interface on the Website;

2.1.2 “Customer” means the user of the Services;

2.1.3 “AXIS Capital” means the customer as defined under clause 12 below;

2.1.4 “GTC” means these general terms and conditions;

2.1.5 “Trading Platform” means an electronic interface provided by the third party in which the Customer performs simulated trading;

2.1.6 “Website” means the website https://axisfunded.com

3. Age And Prohibited Jurisdictions

3.1 The Services are only meant for residents of the jurisdictions in which they are offered who are at least 18 years old. You verify that you are at least eighteen years old by creating an account with the website. You are not permitted to use the Services if you are younger than eighteen.

3.2 You consent to using the Services only from nations where they are offered. You agree to use the Services only in accordance with all applicable laws, and you acknowledge that there may be limitations or prohibitions in some places that forbid you from using them.

3.3 The Provider retains the right to deny, limit, or stop providing all Services to Customers who: (i) are in violation of applicable international sanctions; (ii) have a criminal history including financial crime; or (iii) reside in a jurisdiction that is prohibited.

3.4 Your personal data is processed in accordance with the privacy policy found at https://axisfunded.com/privacy-policy

4. Services

4.1 Among the services provided are tools for simulating trading in various financial instruments on different financial markets or trading foreign exchange in the FOREX market. In addition, it covers access to the Client Portal, training and instructional materials, analytical tools, and other extra services. The Client Portal, as well as applications offered by the Provider or other third parties, can be used to access these services.

4.2 The simulated trading uses financial market information, but you acknowledge that any trading carried out through the Services is not real. The funds provided for simulated trading are purely fictional and you have no right to keep or use these funds outside of the Services.

4.3 The Services can be ordered through the Website by completing the appropriate registration or order form. After registration, you will receive an email with your login details giving you access to the AXIS Portal.

5. Fees

5.1 To access AXISCAPITAL Evaluation or any related services, you will need to pay a fee, known as the "Fee."

5.2 As long as the terms and conditions are met, AXISCAPITAL might cover the Fee if you successfully complete a challenge, based on the information provided during the Buy Challenge – AXISCAPITAL process or at the time of purchase. This could be through an increase in the first payout or by request.

5.3 The cost of the AXISCAPITAL Evaluation will vary based on the chosen option and factors like the initial investment amount, the level of risk accepted, the requirements for the AXISCAPITAL Evaluation and the follow-up AXISCAPITAL Verification, and possibly others. Detailed information on each option and their associated fees can be found on our website, AXISCAPITAL.com/#thechallenge. The total fee will be determined when you submit the order form for the AXISCAPITAL Evaluation.

5.4 AXISCAPITAL Evaluation Services are provided under terms and conditions that are subject to negotiation. AXISCAPITAL has the final say in these terms. Discounts and other perks cannot be combined unless specifically mentioned by AXISCAPITAL.

5.5 Here's a list of situations where you won't be eligible for a refund of the Fee: - If you cancel the Client Portal or request cancellation via email; - If you stop using the Services early, like not completing the AXISCAPITAL Evaluation or AXISCAPITAL Verification; - If you fail to meet the requirements of the AXISCAPITAL Evaluation or AXISCAPITAL Verification; - If you break the GTCs.

5.6 Should you lodge an unreasonable complaint about a paid fee or dispute the Fee with your bank or payment service provider (like through chargeback services, dispute services, or similar services), AXISCAPITAL can choose to stop providing Services to you and refuse any future services.

5.7 AXISCAPITAL can change the fees and requirements of the Services at any time, including those for successful completion. Changes to services already purchased before the announcement of these changes will not apply.

6. Payment Terms

6.1 The costs for the AXISCAPITAL Evaluation choices are in US Dollars, or any other currency as specified on the site. Should you opt for a different currency, the cost for the chosen AXISCAPITAL Evaluation will be adjusted according to our rates and will be shown as the total in your preferred currency for you to check before finalizing the order. It's important to note that if you pay with a currency other than the one you selected on the site, the amount will be converted based on the current exchange rate used by the payment service provider at the time of payment. Additionally, any exchange fees will be your responsibility.

6.2 Service fees cover all taxes. Entrepreneurs are required to meet their tax responsibilities as dictated by the law. Should there be any tax due, the customer must settle these taxes or any related fees.

6.3 Payments can be made through credit/debit cards, cryptocurrency, or any other payment option available on the site.

6.4 Payments made with credit/debit cards or other fast payment methods will be processed immediately. The customer is liable for any charges levied by the payment service provider (according to their latest fee list) and must ensure the full fee for the selected AXISCAPITAL Evaluation is paid.

7. Portal & Platform

7.1 Each Customer is allowed only one Client Portal, and all the Customer's services must be kept within this portal.

7.2 The number of AXISCAPITAL Evaluations and AXISCAPITAL Verifications a Customer can have in their Client Portal is limited, depending on the total initial capital amounts of the products they've ordered or based on other factors.

7.3 The Provider cannot allow the transfer of initial capital amounts between different products, and the Customer is not allowed to move or merge the performance, service parameters, data, or any other information across products.

7.4 The Customer's login data protects access to the Client Portal and Trading Platform, and this data is not to be shared with anyone else. If the Customer is a legal entity, they can grant access to the Services to their authorized employees and representatives through their Client Section. The Customer is responsible for all actions taken on the Client Portal or Trading Platform. The Provider is not liable for any misuse of the Client Portal and Trading Platform, or any part of the Services, and the Provider is not responsible for any negative effects on the Customer if misuse occurs due to the Customer's actions.

7.5 The Provider may need to carry out scheduled or unexpected repairs, maintenance, or upgrades, which could temporarily lower the quality of the Services or cause a partial or total Service outage. The Provider does not guarantee that you will be notified in advance of these activities, and the Services will not be guaranteed to remain uninterrupted or error-free. Any decrease in service quality or outages will not result in a refund or credit for any fees you've paid. Specifically, the Provider is not responsible for the unavailability of the Client Portal or Trading Platform, and the Customer is not entitled to any compensation for the loss or damage of data or other content they've uploaded, transferred, or saved through the Client Portal or Trading Platform.

8. Axis Funded Debit Card

8.1 Prepaid debit cards will be issued to traders who successfully pass the $200,000, £140,000 or €160,000 trading challenge and achieve a minimum net profit of 5% per month for three consecutive months.

8.2 The 10% monthly profit requirement will be verified based on the trader's account performance, calculated from the last trading day of the previous month to the last trading day of the current month.

8.3 Once eligibility is confirmed, traders will receive a notification regarding their qualification for the prepaid debit card.

8.4 Prepaid debit cards will be issued within 14 business days following the confirmation of the third consecutive month of required performance.

8.5 The prepaid debit card is intended for the personal use of the trader and can be used for various transactions where applicable.

8.6 The card will be preloaded with funds based on the trader's performance bonuses and payouts.

8.7 Traders are responsible for managing their card balances and are subject to the terms and conditions provided by the card issuer.

8.8 Traders must comply with all applicable laws and regulations regarding the use of the prepaid debit card.

8.9 Any fraudulent activity or misuse of the card will result in immediate revocation of card privileges and possible termination of the trader's account.

8.10 Failure to maintain the required performance levels or any breach of the trading platform’s terms and conditions may result in disqualification from the prepaid debit card program.

8.11 The company reserves the right to revoke the prepaid debit card at its discretion.

9. Term / Suspension of Services

9.1 The duration of the GTCs begins with the Customer's initial engagement with the Services and extends to all future uses of the Services.

9.2 At any moment, the Customer has the right to request the termination of the GTCs by sending an email to support@axiscapital.com. This request for termination is seen as a request to end the contract, making the Customer no longer allowed to access the Services, including the Client Portal and Trading Platform. The Provider will promptly acknowledge receipt of the request through email, signalling the end of the contractual agreement between the Customer and the Provider. In this scenario, the Customer is not entitled to any refund for fees already paid or any other expenses incurred.

9.3 Any unauthorized use of the Services is considered a significant violation of the GTCs. The Provider, at its discretion, may cancel your account, password, or access to the Services if you violate or fail to adhere to the GTCs. Should the Service be suspended, whether due to non-payment or another reason, to restore service, you must re-subscribe to the Services, including covering any fees required by a new subscriber.

9.4 As long as the subscription is active, the Customer enjoys lifetime account status. An account is deemed active if the subscriber has communicated with the Provider within the last 120 days or if there has been a successful login attempt to the Client Portal. The account will be deactivated if it remains inactive for over 120 days. The Customer can reactivate the account by submitting a written request.

9.5 In all cases, the Provider will not issue a refund for the Services should the Customer fail to place a trade order for at least ninety (90) consecutive days, starting from the date the account was activated.

10. Guidelines For AXISCAPITAL Challenge

10.1 While participating in the AXISCAPITAL Assessment and the AXISCAPITAL Verification exercises on the Trading Platform, you are allowed to make any trades, if they do not violate clause 10. Additionally, you agree to follow the ethical standards and rules for trading in financial markets (such as those for managing risk). The specific rules of the Trading Platform you select for trading might also impose certain limitations on you.

10.2 You consent to the Provider having access to the details of your demo trades on the Trading Platform. You authorize the Provider to share this information with other members of its organization or those who have some connection to it. You also allow the Provider and these individuals or entities to use this information as they wish. You recognize that these actions could be carried out automatically without needing your further approval, including without the need for additional consent, discussions, or approvals, and that you will not receive any payment or other forms of compensation from the Provider for the use of your data.

10.3 The Provider is informed that during your demo trading, you do not provide any investment advice or recommendations to the Provider. You understand that you have the right to stop your demo trading at any moment on the platform.

10.4 The Provider acknowledges that it is not responsible for any information on the Trading Platform, or any delays, interruptions, or incorrect market information shown through your Client Portal.

11. Placing Orders; Timing & Price

11.2. Prices obtained through off-market dealings and collusion to exploit differing stances. Transactions made at prices clearly not available to the public will be revoked, and all gains and losses from these transactions will be erased.

11.2 Illegitimate or deceitful application of protective strategies (for example, holding contradictory positions in separate accounts), whether by yourself or in conjunction with other traders, is prohibited. If we find evidence that you have engaged in such activities at any point, you will be considered in a significant violation of the challenge regulations or the trading contract, as applicable, and the positions involved will be immediately terminated.

11.2.1. We have the authority to shut down any of these accounts, or to otherwise end your membership, should you violate the challenge guidelines or fail to comply with the trading agreement, as outlined in §§ 11.1, and 11.2 hereinabove, as applicable.

11.3. In a live environment, the Trader is permitted to hold a maximum of five (5) open positions simultaneously. The lot size for FX instruments shall not exceed five (5) lots per position. For Indices, Commodities, and Metals, the lot size is capped at three (3) lots per position. The maximum allowable lot size per Forex pair is five (5) lots, while for Indices, Commodities, and Metals, the maximum allowable lot size is three (3) lots per position.

11.4. Users are strictly prohibited from using any trade copier or similar software to replicate trades across multiple accounts unless all accounts involved in the trade copying process are registered under the same username and are owned by the same individual or entity. Any violation of this policy will be considered a breach of the Terms and Conditions and may result in the immediate suspension or termination of the user’s account(s).

12. Review and Verification Process

12.1 After paying the chosen AXISCAPITAL Evaluation fee, the customer will receive the necessary login information for the Trading Platform through email or the Client Portal. To start the AXISCAPITAL Evaluation, the customer needs to initiate their first demo trade on the Trading Platform.

12.2 As a client, it is recognized that once the first demo trade is opened, the provider is explicitly asked to complete the services before the withdrawal period ends, as detailed in Clause 17.

12.3 If the AXISCAPITAL Evaluation is not activated within 30 days from the date it was made available, the customer's access will be suspended. Access can be renewed by contacting support@axiscapital.com through the Client Portal or by email within 6 months of the initial suspension. Otherwise, the services will be discontinued without any possibility of a refund.

12.4 The AXISCAPITAL Evaluation period is without limits.

12.4.1 However, if the customer fails to place a trade order within 90 days after activating their account, the services will be discontinued without any chance of a refund.

12.5 To qualify for the AXISCAPITAL Evaluation, the customer must meet the following criteria from the “Trading Objectives” at axiscapital.com

12.6 Should the customer fulfil the requirements of the AXISCAPITAL Evaluation as outlined in clause 11.5 and adhere to the General Terms and Conditions (GTCs), the Provider will confirm the success of the AXISCAPITAL Evaluation and provide AXISCAPITAL Verification to the customer at no cost by sending the login details to the customer's email or Client Portal.

12.7 The customer is free to request the evaluation of the AXISCAPITAL Evaluation at any time by sending an email to support@axiscapital.com.

12.8 The Provider is not obligated to provide AXISCAPITAL Verification if all trades have been closed by the customer.

12.9 The activation of AXISCAPITAL Verification begins with the opening of the first demo trade on the Trading Platform.

12.10 If AXISCAPITAL Verification is not activated within 30 days from the date the customer receives the login details, their access will be suspended. Access can be renewed by contacting support@axiscapital.com through the Client Portal or by email within 6 months of the initial suspension. If not, the services will be discontinued without any possibility of a refund.

12.11 The AXISCAPITAL Verification period is without limits.

12.12 The Customer must fulfil the requirements from the “Trading Objectives” table to satisfy the AXISCAPITAL Verification. “Trading Objectives” criteria can be found here: axiscapital.com

12.13 If these requirements are met, the AXISCAPITAL Verification process will be examined by the Provider to determine its success, and the Customer may be eligible for the AXISCAPITAL Trader program. Customers can request an evaluation of AXISCAPITAL Verification at any time by reaching out to support@axisfunded.com or through the Client Portal. However, if the Customer has not completed all transactions, the Provider is not required to conduct the AXISCAPITAL Verification assessment.

12.14 Not following the guidelines in Clause 12.5. during the AXISCAPITAL Evaluation will lead to an unsuccessful evaluation, which will prevent the Customer from accessing AXISCAPITAL Verification services in the future. If the Customer fails to comply with the guidelines in Clause 12.12. during the AXISCAPITAL Verification process, the evaluation will also be unsuccessful, and the Customer will not be considered for the AXISCAPITAL Trader program. In either situation, the Customer's account and services will be discontinued, with no refund of any fees.

13. Axis Trader

13.1 Should the Customer win the AXISCAPITAL Challenge and the AXISCAPITAL Verification, the Company will present a contract to the Customer, at its own discretion, to join the AXISCAPITAL Trader Program. The rules, conditions, and contract between the Customer and the Company, involved in the AXISCAPITAL Trader Program, will be managed by a different agreement, distinct from these GTCs.

13.2 Should the Customer complete the AXISCAPITAL $100,000 / £100,000 / €100,000 or $200,000 / £200,000 / €200,000 Challenge and the AXISCAPITAL Verification, the Company may copy the customer trades and place the positions into the live market.

14. The Website, Services, And Other Content

14.1 The entire Website, its Services, and all its multimedia elements like texts, graphics, icons, and images are collectively known as "Content." This Content is protected by copyright laws and other legal rules, and it belongs to either the Provider or the Provider's licensees. The Provider gives you permission to use the Content only for your personal use and for the Services' intended use, but this permission is temporary, exclusive, and can be revoked at any time. The Provider or its licensees still own the Content and cannot sell it to you.

14.2 All trademarks, logos, and other marks that identify the Provider or its licensors are owned by them. You are not allowed to use these marks without permission from the Provider.

14.3 Both you and the Provider agree to act honestly and fairly in meeting your contract obligations and in your dealings with each other. Specifically, you will not do anything that could damage the Provider's reputation or legal interests. If there are any disputes or disagreements, you and the Provider will try to solve them following these guidelines and the relevant laws.

14.4 The Provider does not give you any extra rights beyond what is outlined in these guidelines regarding the Services and other Content. You must use the Services and other Content exactly as stated in these guidelines.

14.5 When you use the Services and other Content, you cannot do the following:

14.5.1 Use any tools that might harm the Website and Services or try to exploit any bugs or flaws;

14.5.2 Break through geographical limits or any other technical barriers;

14.5.3 Make copies or backups of the Website and other Content;

14.5.4 Break down, reverse-engineer, or otherwise change the Website and other Content;

14.5.5 Sell, rent, lend, license, distribute, reproduce, spread, stream, broadcast, or use the Services or other Content in any way not allowed;

14.5.6 Use automated tools to view, show, or gather information from the Website or Services; and

14.5.7 Use any other tools or methods that could cause damage to the Provider.

14.6 These guidelines in clause 14 are not meant to take away your consumer rights, which are protected by law and cannot be taken away.

15. Disclaimer

15.1 You understand that the Services and accompanying Content are provided "as is" with all their defects, flaws, and limitations, and you acknowledge that using them is entirely your responsibility and at your own risk. The Provider disclaims any legal, contractual, or implied guarantees of any kind, including but not limited to guarantees of quality, suitability for a specific use, and non-infringement of any rights to the fullest extent allowed by law.

15.2 The Provider will not be held accountable for any damages, including indirect, incidental, special, punitive, or consequential damages such as lost profits, data loss, personal or non-monetary harm, or damage to property, arising from the use of the Services or reliance on any tool, feature, information, or content related to the Services or available on the Website. The Provider is not responsible for any content from third parties, products, services, or applications used by the Customer in connection with the Services. To the fullest extent allowed by law, the Provider disclaims any statutory, contractual, express, and implied warranties of any kind, including any warranty of quality, merchantability, fitness for a specific purpose, or non-infringement of any rights. Should the Provider's liability be established in relation to the operation of the Website or provision of the Services by a court or any other competent authority, this liability will be limited to the amount equivalent to the fee paid by the Customer for the Services that resulted in the loss.

15.3 The Provider has the right to alter, modify, update, add, or delete any components and features of the Services at any time without any compensation.

15.4 The Provider will not be held responsible if it is unable to deliver the Services due to severe technical or operational issues that are beyond its control, or during a crisis or potential crisis, natural disaster, war, rebellion, pandemic, threat to a large population, or other unforeseen events. Furthermore, if the Provider is unable to provide the Services due to legal obligations or a directive from a public authority, it will not be liable.

16. Breach Of Terms

16.1 Should the customer breach any clause of these Terms in a way that could potentially harm the provider, the provider has the right to prevent the customer from ordering any further services and may limit the customer's access to certain services, including access to the client portal and trading platform, without prior notice and without compensation.

17. Communication

17.1 You agree to receive all communications from the provider or its partners regarding the provision of services through the client portal or your registered email address, as applicable. Any electronic communication, whether by email or through the client portal, is considered a written communication. 16.2 Our email address for contact is support@axiscapital.com and our physical address is 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ

18. Right To Terminate a Contract

18.1 As a consumer, you have the right to terminate a contract without providing a reason within 14 days after it is signed. Please note that if you begin to conduct demo trades before the contract's specified end date, you forfeit your right to terminate the contract.

18.1.1 For clarity, during the 14 days following your initial subscription to the services, you are entitled to cancel the contract and receive a refund for any fees if the account remains inactive or if no trade orders are placed during this period.

18.2 To terminate the contract, please send an email to support@axiscapital.com within the specified timeframe. Upon termination, we will refund all fees received from you without delay, no later than 14 days after your request for cancellation, in the same manner you paid the fees.

18.3 In the event of a breach by the customer as specified in Clause 15, the Provider has the right to immediately terminate the contract.

19. Defective Performances

19.1 Should the services provided by the Provider not match the agreement or fail to be delivered to you, you have the right to address this issue under defective performance. It's important to note that the Provider does not offer any assurances regarding the quality of their services. You must report any issues to us promptly by emailing support@axiscapital.com. When exercising your rights under defective performance, you may request that we fix the problem, provide an explanation, or offer a discount on a case-by-case basis if the issue cannot be resolved.

19.2 We will make every effort to resolve any complaints you file as quickly as possible, no later than 30 days, and will inform you of the resolution in writing. If we are unable to settle the complaint within this timeframe, you have the right to terminate the contract. You can submit a complaint according to clause 20.

20. Changes To The GTCs

20.1 Be aware that the Provider may update the content of these GTCs at any time, meaning the new versions will take precedence. However, the Provider will notify you of any changes through the Client Portal or email. The AXISCAPITAL Evaluation and the following AXISCAPITAL Verification will be provided during the duration of their validity, if the relevant GTCs were in effect at the time of your order.

21. Complaints

21.1 We take your complaints seriously and will do our best to resolve them as quickly as possible.

21.2 Should you have a complaint regarding our services, please contact us through support@axisfunded.com.

21.3 It's advisable to reach out to us as soon as you encounter a situation that warrants a complaint, and ideally, no later than 6 months after the issue occurs. We will acknowledge your complaint within 24 hours. Your complaint will then be escalated to the appropriate staff. If your complaint remains unresolved after 10 days, we will:

21.4 Send you a letter detailing our final decision;

21.5 Inform you that this marks the end of our internal complaints process;

22. Final Terms

22.1 These General Terms and Conditions (GTCs) represent the complete agreement between you and us, and they take precedence over any previous agreements related to the subject matter of these GTCs, whether they were verbal or in writing, concerning the subject matter hereof.

22.2 These GTCs do not restrict any legal claims detailed within them or those that may arise from the applicable laws. Should the Provider or any authorized third party fail to enforce compliance with these GTCs or delay exercising their rights under these GTCs, this does not constitute a waiver of any rights or claims.

22.3 They acknowledge and agree that the Provider has the right to assign any claims that arise from these GTCs or any agreements to a third party without your consent. The Customer is not permitted to transfer or assign the Customer’s rights and obligations under these GTCs or any agreements or parts thereof, or any receivables arising from them, in their entirety or in part, to any third party.

22.4 If any section, term, or provision of these GTCs is declared invalid, void, or unenforceable, the rest of the terms and provisions hereof will remain in full force and effect, and will not be invalidated, impaired, or affected by this.

22.5 Before agreeing to these GTCs, the Customer has thoroughly evaluated the potential risks associated with them and has accepted those risks.

23. Behaviour

We are committed to offering a just and uniform service to all individuals. We hold the belief that every person who reaches out to us deserves to be listened to, understood, and treated with respect. We also believe that our employees are entitled to the same rights, and it is our duty to ensure a secure environment for our employees. Furthermore, we are dedicated to the smooth and effective functioning of our business to guarantee a satisfactory experience for all our customers. In certain situations, we may choose to limit access to our services if we believe someone's actions or behaviour could negatively affect our staff or our operations. This document outlines the types of actions and behaviours that could have adverse effects and the steps we will take in response. This policy applies to all individuals who engage with us, including customers, prospective customers, partners, and those who use our communication channels – such as email, chat, and phone. We acknowledge that some individuals might struggle with expressing themselves or communicating clearly, particularly when feeling anxious or upset. Additionally, we understand that some individuals may not fully grasp the impact their actions could have on others. All our employees are entitled to protection from aggressive, offensive, or abusive actions, language, or behaviour, under any circumstances. This includes any actions or behaviour that could make our employees feel threatened, intimidated, or offended. Such actions include, but are not limited to, threats, physical violence, verbal abuse, derogatory comments, and impolite behaviour, whether directed at the employee directly or to others. Purposeful or provocative statements and baseless accusations can also be considered abusive actions or behaviour. Violence can be interpreted in various ways, including any actions or language that might cause our employees to feel scared, threatened, or mistreated. If an individual makes demands that are unreasonable or persists in their requests beyond a reasonable limit, it could impact our ability to address the individual's complaint or the complaints of others using our services. This includes, but is not limited to, setting unrealistic expectations for responses, insisting on speaking to a specific employee, making frequent calls, emails, or online messages, repeatedly changing the nature of the complaint, or raising unrelated issues. Unreasonable persistence can manifest in behaviours such as continuously denying that a decision has been made regarding a complaint, insisting on answers to questions that have already been provided or explanations for why we cannot respond, refusing to accept justifications for our actions, sending multiple emails to different employees, or repeatedly attempting to revisit a case through our internal processes after those processes have concluded.