Terms, Privacy & Risk
Draft policies for [[Expaid — legal entity name]]. Effective [[effective date]]. This is placeholder content pending legal review — not yet binding.
Terms of Service
Expaid (“we”, operated by [[Expaid — legal entity name]]) is an introducing partner (IB) of third-party brokers. We provide cashback tracking and reward services based on your trading volume. We are not a broker, do not offer trading accounts, do not hold client funds, and do not provide investment advice.
Eligibility. You must be of legal age in [[jurisdiction / country]] and permitted to trade with the relevant broker. You are responsible for complying with your broker's terms and your local laws.
Cashback. Rebates are calculated from broker-reported trading volume and are indicative until reconciled. Rates may change when a broker changes its partner program. In the current phase, cashback is credited into your broker trading account; Expaid does not process withdrawals.
Accounts & verification. We may require identity or account verification (including email and phone OTP) before approving linked accounts or fulfilling reward claims. We may decline or reverse rewards obtained through fraud, abuse, or broker chargebacks.
Rewards. Milestone rewards are subject to availability and the stated volume requirements. We may substitute a reward of equal value where necessary.
Changes. We may update these terms; continued use constitutes acceptance. Contact: [[legal@expaid.io]].
Privacy Policy
What we collect. Account details (name, email, phone), your linked trading-account numbers and broker, trading-volume data reported by brokers, reward-claim shipping details, and basic usage data.
How we use it. To calculate cashback, verify and support your account, fulfil reward claims, prevent fraud, and communicate service updates. We do not sell your personal data.
Sharing. We share the minimum necessary with your broker (to link the IB and reconcile volume), and with service providers (email, SMS, hosting) under confidentiality. We may disclose where required by law.
Retention & security. Data is stored with row-level access controls; raw trade files are retained only as long as needed and then archived or deleted. You may request access or deletion at [[legal@expaid.io]], subject to legal record-keeping obligations.
Risk Disclosure
Trading foreign exchange and CFDs carries a high level of risk and may not be suitable for all investors. You could lose more than your initial deposit. Expaid is an introducing partner of the brokers listed and receives compensation based on referred trading volume. Expaid does not provide trading accounts, does not hold client funds, and does not provide investment advice. Cashback does not reduce market risk and should not be treated as a reason to trade more. Rebate rates are indicative, computed from observed paid commissions, and subject to broker program changes.