Terms of Service

1. Agreement

These Terms of Service ("Terms") form a binding agreement between you and Interactive Broker Investment Technologies Ltd ("Interactive Broker", "we", "us"). They apply to our website, apps and every service we provide. Our Privacy Policy and Risk Disclosure form part of these Terms.

This service currently runs in demo mode: portfolio prices are simulated and balances are sandbox money. No real funds are accepted or paid out, and nothing on the platform is an offer to invest real money.

2. Eligibility

You must be at least 18 years old (or the age of majority where you live), have full legal capacity, and not be a resident of a country where our services are unavailable or restricted (including comprehensively sanctioned jurisdictions). You may hold only one account. We may ask you to verify your identity and the source of your funds before you deposit or withdraw, and may decline to open or keep an account where we can't complete these checks.

3. Your account

• Keep your login details secret. You're responsible for activity on your account unless it results from our failure.
• Your account currency is set from the country you choose at sign-up and can't be changed once your account has financial history.
• Tell us immediately at support@ibrks.live if you think your account has been accessed without permission.

4. Our services

We provide access to diversified portfolios, ready-made investment plans, copy trading of published strategy mixes, rule-based bots, and the Auto-Trading engine, together with information such as daily signal strength. Signals, targets and model outputs are general information produced automatically — they are not personal advice and don't take your circumstances into account. If you're unsure whether a product is right for you, seek independent financial advice.

5. Deposits & withdrawals

• Deposits are made to the wallet address shown in your deposit request and are credited only after the transaction is confirmed on the network and reviewed by our team. Sending the wrong asset, using the wrong network or sending to a different address can result in permanent loss that we cannot reverse.
• Withdrawals are paid from your available balance to a bank account in your name or to a crypto address you provide. Each request is reviewed, usually within one business day. While pending, the amount stays in your account but is held. We may request verification or decline a withdrawal with a reason; declined amounts are released back to your available balance.
• We never charge a fee to "unlock" or release a withdrawal. Anyone asking you to pay one is not us.

6. Plans, copies & Auto-Trading

• Investment plans have a fixed term shown before you invest. Money in a plan can't be withdrawn until the plan matures, when it is paid to your Earnings balance automatically. An auto-close you choose may end a plan early.
• Auto-Trading rebalances your plans, copies and Auto-Trading capital daily according to published rules and your settings. Auto-Trading is managed by us for every account and can't be switched off from your account settings. If you ask support to stop it, we switch it off for your account within one business day; positions then hold their current mix. You can always close Auto-Trading capital and withdraw your available balance. We may pause Auto-Trading for an account or platform-wide where needed to protect clients or comply with law.
• Copy trading invests in a strategy's published portfolio mix. Strategy personas and their records are illustrative unless stated otherwise.

7. Fees

Each portfolio's annual fee is shown on its page and is already reflected in its unit price. We don't charge separate fees for plans, copy trading, Auto-Trading, deposits or withdrawals unless we tell you in advance. Network or bank charges outside our control may apply.

8. Risk

The value of investments can fall as well as rise. You may get back less than you put in, and in volatile portfolios such as digital assets you could lose most of it. No return is promised or guaranteed. Please read the full Risk Disclosure.

9. Records & corrections

Every transaction is recorded in a permanent, append-only ledger that you can export. If an error affects your balance (for example a duplicate credit or a missed refund), we correct it with a separate, clearly labelled balance adjustment that shows the reason — we never alter or delete existing records. You'll be notified of any adjustment, and you can contact us if you disagree with one.

10. Acceptable use

Don't use the service for money laundering, fraud, market abuse or any unlawful purpose; don't access other people's accounts; don't interfere with the platform's security or operation; and don't use automated tools to scrape or overload it.

11. Reviews

Customers can publish one review about their experience. Reviews must be honest, based on your own experience, and must not be paid for or incentivised. We publish reviews whether positive or negative; we only decline those containing personal or account details, spam, abusive language, or content unrelated to our service. We may reply publicly. We don't edit what you write.

12. Suspension & closure

You can close your account at any time by contacting support; we'll return your available and earnings balances (and plan money at maturity) to you. We may suspend or close accounts that breach these Terms or where required by law. Financial records are retained as required by law even after closure.

13. Liability

Nothing in these Terms limits liability that can't legally be limited, including for fraud or gross negligence. Otherwise, we are not liable for investment losses resulting from market movements, for losses caused by information you provide incorrectly (such as a wrong wallet address), or for indirect or consequential losses.

14. Changes

We may update these Terms. We'll give you reasonable notice of material changes through the platform. If you don't agree, you can close your account before the changes take effect.

15. Governing law

These Terms are governed by the laws of the jurisdiction where Interactive Broker Investment Technologies Ltd is registered, without affecting any mandatory consumer protections in your country of residence.