Terms and Conditions
MY CRYPTO FUNDING
MCF Markets Ltd.
GENERAL TERMS AND CONDITIONS
Last Updated: February 2026
MCF Markets Ltd., incorporated in Saint Lucia under registration number 2025-00173, with its registered office at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.
Website: www.mycryptofunding.org
Contact: support@mycryptofunding.org
We are MCF Markets Ltd. (“we”, “us”, “our”, the “Company”, or “MCF”), a company incorporated in Saint Lucia under registration number 2025-00173, with its registered office at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.
Our mission is to provide you with the education, tools, and simulated trading environment necessary to develop and demonstrate the skills required to become a successful cryptocurrency and financial markets trader. We have developed our Evaluation Process and the rest of our services with this goal in mind.
You should read these Terms carefully. These Terms and Conditions (the “Terms”) govern the provision of our Evaluation Process, in which you gain access to the MCF Challenge, as well as analytical instruments, educational materials, and other services which we enable you to access through the website mycryptofunding.org (the “Website”) and which are further described in Clause 5 (Our Services) (together, the “Services”). The MCF Challenge accounts are accounts for simulated trading and no trader is ever placed directly in contact with real trading funds—without prejudice of the possibility of MCF using the trading data of the user for real market trades. The activity you engage in when you submit simulated trades in your MCF Challenge account is not trading in real financial instruments.
After you register on the Website you may order the MCF Challenge and other Services (each an “Order”). When we confirm your Order, if you pass the evaluation, a contract between you and us is concluded (each an “Agreement” and together the “Agreements”). These Terms, together with the confirmed contract, constitute the Agreement. Your agreement to these Terms is evidenced by you ticking the statement that you have read and agree with the Terms and Conditions when completing the Order. If you enter into an Agreement on behalf of a legal entity, you represent that you have the authority to bind that legal entity to the Agreement and, in such event, “you” and “your” will refer and apply to that company or other legal entity.
Definition of terms and abbreviations used in these Terms can be found in Clause 23 (Definitions and Interpretation).
All references to time in these Terms shall be understood as Coordinated Universal Time (UTC) unless expressly stated otherwise.
Table of Contents
- Eligible Customers
- Services Are Not Regulated Financial Services
- Order of Services
- Client Area and Trading Platform
- Our Services
- Funded Trader Program
- Rules of Simulated Trading
- Prohibited Trading Strategies
- Risk Management Rules
- Consequences of Violations
- Account Management
- KYC, AML and Payout Procedures
- Copy Trading
- Use of the Website, Services and Other Content
- Disclaimer and Indemnification
- Breach of These Terms
- Right to Withdraw from the Agreement
- Duration and Termination of the Agreement
- Technical Issues, Defective Performance and Complaints
- Changes to These Terms
- Your Personal Information and Simulated Trading Information
- Governing Law and Jurisdiction
- Definitions and Interpretation
1. Eligible Customers
1.1 You are only eligible to access the Services if:
1.1.1 you are a natural person at least eighteen (18) years of age and not subject to restrictions based on your nationality or residency, as determined by the specific rules of each Restricted Jurisdiction and further detailed on the Website; or
1.1.2 you are a legal entity, not established or incorporated and not having a registered office or place of business in a Restricted Jurisdiction, provided that the beneficial owner meets the eligibility criteria in Clause 1.1.1 in their individual capacity.
1.2 In addition to the foregoing, you must not be subject to relevant international sanctions, in particular you must not be included on sanctions lists of the European Union, the Office of Foreign Assets Control (OFAC), the United Nations, or any other applicable sanctions regime. You must not have a criminal record related to financial crime, terrorism, money laundering, or identity fraud, and you must meet the requirements of our KYC (Know Your Customer) or KYB (Know Your Business) identification procedures.
1.3 Users who are residents of, citizens of, or otherwise connected to the following jurisdictions are strictly not eligible to access the Services or receive payouts: Vietnam. This list may be amended at any time to comply with applicable international sanctions regimes, local regulatory requirements, or obligations imposed by payment providers or regulators. Deliberate attempts to bypass such restriction will lead to account breach and forfeiture of profits without any kind of compensation.
1.4 Users from the United States of America are restricted from using Metatrader 5 as their platform. Deliberate attempts to bypass such restriction will lead to account breach and forfeiture of profits without any kind of compensation.
1.5 You may only access and use the Services in accordance with applicable law and these Terms.
1.6 You represent that at the time of execution of the Agreement you meet the eligibility criteria in this Clause 1. If you do not meet the eligibility criteria, the Agreement is not concluded. If you cease to meet the eligibility criteria following the conclusion of the Agreement, you must notify us immediately.
2. Services Are Not Regulated Financial Services
2.1 None of the Services are subject to laws regulating the financial sector in the countries where we provide the Services. We are not regulated by any financial regulatory authority. As a result, you will not receive regulatory protection associated with the financial sector with respect to the Services.
2.2 None of the Services constitute financial, investment, legal, or tax advice, or a recommendation to buy, sell, or hold any financial product, virtual or simulated asset, or to engage in a particular investment strategy.
2.3 We do not give any guidance, instructions, limitations, or information about how or in which manner you should perform simulated trades when using the Services, with the exception of Prohibited Trading Strategies and Risk Management Rules (see Clauses 8 and 9). Similarly, we do not accept any such guidance or instructions from you, provided, however, that we may observe your simulated trades and share that information pursuant to Clause 21.3.
2.4 You should obtain independent financial, legal, or tax advice regarding your specific circumstances as appropriate.
3. Order of Services
Registration
3.1 You can make an Order after registering to create your user interface on the Website (the “Client Area”). During registration, login credentials for access to the Client Area (the “Profile Credentials”) will be created. The Profile Credentials will enable you to access further Services and you are responsible for their protection and for protection of access to the Services consistently with Clauses 4 and 7.2.
3.2 When completing an Order you select the version of the MCF Challenge, the amount of simulated capital (the “Initial Simulated Capital”) as well as other options as available which modify the Services (the “Options”). The Options then determine the parameters which you must fulfil under the specific Order so that the Trading Objectives of the MCF Challenge under such Order are fulfilled. The Options you select also apply to the subsequent Funded Account (see Clause 6). Once you select the Options, you may not change them for that Order.
3.3 Data entered in the Order form can be reviewed and amended until you make the Order. The Order is finalised and binding with payment obligation by submitting the Order form.
3.4 During the application process, you must provide all required information about yourself. All data which you provide to us must be complete, true, accurate, not misleading, and up to date. We are under no obligation to verify the data you provide to us. You must immediately update such data in the Client Area to reflect any change. You represent that you have all rights and consents necessary to provide any data to us. False or misleading information will result in account termination and forfeiture of any profits or fees, as further described in Clause 11.
Fees and Payment Conditions
3.5 The fee for the MCF Challenge (the “Registration Fee”) varies according to the version of the MCF Challenge and the Initial Simulated Capital you select when completing the Order. The fee schedule can be found on the main website page.
3.6 Discounts and other benefits may not be combined, unless we expressly stipulate otherwise.
3.7 Registration Fees are denominated in USD. Payments made in other currencies or cryptocurrencies will be converted to USD at the payment processor’s exchange rate. You acknowledge that if the payment is made in a currency other than the one displayed on the Website, the amount will be converted according to the exchange rates of your bank or payment services provider.
3.8 You can pay the Registration Fee via payment means offered on the Website at the time of payment, including payment card, UPI, PayPal, or cryptocurrencies. Payment is required immediately. The fee is considered paid when the required amount is credited to our account. If you do not pay the due amount on time, we are entitled to cancel your Order. You are responsible for all fees charged to you by us or the selected payment service provider in connection with the transaction.
3.9 The Registration Fee is inclusive of any applicable sales tax. You are responsible for compliance with your local tax laws and obligations. We have no responsibility for your personal or business tax liabilities.
3.10 At the moment the product is paid for, a server is generated to host the account, which is instantly used and paid for. Consequently, once the product is generated, it is considered consumed and therefore no refunds can be issued, except as provided in Clause 17 (Right to Withdraw from the Agreement). The client recognises that attempts to apply chargebacks to circumvent this rule are null and void. The client recognises that as per the Criminal Code of Saint Lucia, he will be liable for any taxes and fees incurred in such an attempt, besides financial compensation for material and moral damages.
3.11 We will confirm receipt of your Order and provide login credentials for the Trading Platform (the “Trading Platform Credentials”) within 48 hours of receiving payment of the Registration Fee. In case you do not receive the credentials within this timeframe, you must contact our support team.
Commissions
3.12 Trading commissions may be adjusted, with prior notice, to reflect real market conditions. MCF may, at its sole discretion, modify commissions, fees, or other charges at any time. Changes apply prospectively and take effect upon publication on our official channels (Website, dashboard, Discord and/or email). By continuing to use the Services after publication, you accept the updated commissions. The current commission schedule is published on the Website.
Number of Orders
3.13 Subject to Clause 3.14, you can place multiple Orders and each Order, once complete, constitutes a separate Agreement.
3.14 We reserve the right to limit the total number of Orders you can make. The total number of Orders may be limited in aggregate in case other clients connected to you are using the Services, specifically, if you are (i) the ultimate beneficial owner of such client, (ii) a family member or household member of such client, or (iii) an employee or officer of such client.
3.15 If, at our discretion and acting reasonably, we determine that you place an unusually large number of Orders, we may notify you as a protective precaution. If the behaviour continues after such notice, we reserve the right to suspend any further Orders or invoke a cool-down period. If we identify that such unusual behaviour relates to your involvement in Prohibited Trading Strategies, we may take any of the respective actions set out in Clauses 8, 10, and 18.
3.16 Unless we grant you an exception, the Initial Simulated Capital may not be transferred between products (individual Orders) or mutually combined. You may also not transfer or combine your performance, Service parameters, data, or any other information between the products (individual Orders).
4. Client Area and Trading Platform
4.1 Access to all Services will be through the Client Area, or by the provision of access to applications provided by us or third parties.
4.2 After we receive payment of the Registration Fee for the individual Order, we provide you with the Trading Platform Credentials in the Client Area. You can have only one Client Area and all of the Services you order must be maintained in this Client Area. The Profile Credentials are linked to a single email address which may not be changed after registration.
4.3 Access to the Client Area and the Trading Platform is protected by the Profile Credentials and Trading Platform Credentials, respectively, which you must not share with any third party.
4.4 You are responsible for all activities that are performed through the Client Area or Trading Platform or otherwise using your Profile Credentials or Trading Platform Credentials. Any activity on your account is considered to be performed intentionally by you. You are responsible for protecting your login credentials and guaranteeing all the activity within your account is according to your intent. No compensation will be given for losing credentials, alleged “password hacking” or similar.
4.5 You may request cancellation of the Client Area at any time by sending an email to us. Sending a request for the cancellation of the Client Area is considered a termination of all Agreements concluded between you and us, resulting in you being no longer entitled to use the Services. In such a case, you are not entitled to any refund of any fees already paid.
4.6 The Services may be temporarily unavailable due to, among other things, maintenance, upgrades, or the need to add or remove trading symbols. You are obliged to regularly follow our updates regarding maintenance, holidays, and other developments impacting trading hours and availability of the Services.
4.7 In order to use the Services, you must possess appropriate technical equipment and software at your own risk and expense. We do not warrant or guarantee that the Services will be compatible with any specific equipment or software.
4.8 The operators of any third-party software, applications, or programs which you use to access the Services are persons or entities distinct from us, and such third parties’ own terms and conditions and privacy policies will apply. We will have no responsibility or liability to you in connection with your use of, or interaction with, any third-party software including a Trading Platform.
5. Our Services
5.1 The main purpose of our Services is to provide you with an educational experience to help you develop your skills as a trader, as well as to evaluate your performance in simulated trading across various financial markets, including forex, cryptocurrency, indices, commodities, and stocks. For this purpose, after registration on the Website, you may access the Trading Platform on which you may perform simulated trading (“Simulated Trading”) as described below.
5.2 Simulated Trading simulates trading on financial markets. Information and market data (price quotes) from real financial markets as provided by our liquidity providers is used in Simulated Trading only to reproduce market conditions. No actual trading is taking place and there is no execution of trades in financial markets.
5.3 You acknowledge that:
5.3.1 Simulated Trading is purely fictional, meaning that the trades are simulated and not in real financial instruments;
5.3.2 the amount shown as capital in your simulated account at any point is simulated in nature, does not represent any deposit of funds, and has no monetary value;
5.3.3 all funds provided during the evaluation are demo funds and cannot be used for real financial operations; and
5.3.4 you will not be paid any remuneration or profits based on the results of your Simulated Trading during the Evaluation Process.
Evaluation Process
5.4 We provide two versions of the Evaluation Process:
(a) MCF Challenge: 1-Step, which comprises one phase (MCF Challenge Phase); and
(b) MCF Challenge: 2-Step, which comprises two phases: (i) MCF Challenge Phase, and (ii) Verification Phase.
5.5 Passing the MCF Challenge is a pre-requisite to you applying for a Funded Account and becoming a participant of the Funded Trader Program (see Clause 6 for more information).
5.6 During the Evaluation Process your performance is measured against the Trading Objectives. Our evaluations are intended to simulate real market conditions under all aspects; therefore, what counts towards the process is the execution of trades and what comes through to the system, which is considered entirely the responsibility of the trader.
Trading Objectives for 2-Step Evaluation
(a) No losses exceeding 5% of your Initial Simulated Capital within a single day (Daily Loss Limit);
(b) No losses exceeding 10% of your Initial Simulated Capital over the entire evaluation period (Maximum Loss Limit);
(c) Achieve a profit goal of 8% in Phase 1 and 5% in Phase 2.
Trading Objectives for 1-Step Evaluation
(a) No losses exceeding 4% of your Initial Simulated Capital within a single day (Daily Loss Limit);
(b) Maximum Trailing Drawdown of 6% of your Initial Simulated Capital. The trailing drawdown is a fixed amount calculated from the initial balance and the reference level follows the highest balance achieved during your evaluation. If your balance or equity touches or falls below the trailing limit, the account is considered breached;
(c) Achieve a profit goal of 10% in Phase 1.
5.7 The Trader acknowledges that each Evaluation Phase and Funded Account includes a maximum permitted equity drawdown limit, as defined in the corresponding trading rules. If, at any time, the account equity falls below the specified drawdown threshold (daily or overall), the account will be automatically considered breached and terminated without prior notice. Once breached, the account cannot be reinstated, and all progress or profits related to that account shall be forfeited.
5.8 In order for you to successfully pass each phase of the MCF Challenge, you must:
(a) fulfil all of the Trading Objectives applicable to the selected version;
(b) not violate these Terms, in particular the Rules of Simulated Trading (see Clause 7), Prohibited Trading Strategies (see Clause 8), and Risk Management Rules (see Clause 9); and
(c) procure that the aggregate amount of the Initial Simulated Capital on all accounts held by you or parties affiliated with you does not exceed USD 400,000 (excluding profits).
5.9 We have no obligation to evaluate a phase of the MCF Challenge if you have not closed all simulated trades and pending orders.
5.10 Once we evaluate a phase of the MCF Challenge as successful, we will either make the next phase available to you free of charge or, if there is no next phase, we will recommend you as a candidate for the Funded Trader Program. This does not guarantee your acceptance into the Funded Trader Program. We are not responsible for you not being admitted into the Funded Trader Program for any reason. We reserve the right to decline providing you funding according to our sole discretion.
5.11 If any of the conditions under Clause 5.8 are breached, we will evaluate the phase of the MCF Challenge, and therefore the whole MCF Challenge, as unsuccessful.
5.12 We reserve the right to modify, change, replace, add, or remove any elements and functions of the Services at any time without being obliged to pay you any compensation.
6. Funded Trader Program
6.1 If you successfully complete the Evaluation Process and pass all compliance verifications (including KYC/AML procedures described in Clause 12), you may be offered an opportunity to participate in the Funded Trader Program, whereby you gain access to a Funded Account and may receive monetary rewards based on the performance data you generate in your Funded Account.
6.2 As a mandatory condition for participation in the Funded Trader Program, you will be required to execute a Freelancer Agreement (Independent Contractor Agreement) with the Company or its designated affiliate entity. At such point, you will not be considered a client of the firm anymore, but a freelancer providing us services. This Freelancer Agreement will govern the specific terms, conditions, rights, and obligations applicable to your participation in the Funded Trader Program, including but not limited to: the scope of the engagement, compensation structure, profit-sharing arrangements, intellectual property rights, confidentiality obligations, and termination provisions. You acknowledge and agree that you will not be granted access to a Funded Account or receive any payouts until you have read, understood, and duly executed the Freelancer Agreement. By proceeding with the Evaluation Process, you acknowledge your awareness of and consent to this requirement.
6.3 The Freelancer Agreement establishes that:
(a) You shall act as an independent contractor and not as an employee, agent, partner, customer or joint venturer of the Company;
(b) You shall be solely responsible for your own tax obligations, social security contributions, and any other fiscal duties arising from the compensation received under the Funded Trader Program;
(c) The Company shall have no obligation to provide you with employment benefits, insurance, paid leave, or any other benefit typically associated with an employment relationship;
(d) Either party may terminate the freelancer relationship as specified in the Freelancer Agreement.
6.4 Payouts will have their starting profit share at 80% for the trader (unless otherwise indicated as per addons purchased separately), and as the trader progresses, the Company’s support team will determine eligibility for higher percentages. Payouts can be requested by traders who have succeeded all evaluation stages and reached the funded stage. Payouts can be requested every 15 traded days.
6.5 The Trader affirms, guarantees, and agrees not to make any public comments on social media, forums, review platforms, Discord servers, Telegram groups, or any other public or semi-public platforms that are negative or dispute, challenge, defame, or criticize in any manner the enforcement or application of these rules, the Freelancer Agreement, or any decision made by My Crypto Funding. This includes refraining from posting negative, misleading, or inflammatory remarks about the Company’s decisions, policies, compliance enforcement actions, or business practices. Violation of this clause may result in immediate termination of the Agreement, suspension of all accounts, and forfeiture of any pending payouts or profits. In case the Trader has any pending payouts or profits, the minimum fine for violating such a clause is a deduction of 10% per hour while the violating statement is online. The Trader understands and guarantees that any financial liabilities generated by violating this clause will be covered by them according to the discretion of the company. The Trader also agrees to the necessity to rectify immediately any such violations through public statements published in the same platform. This obligation survives the termination of the Agreement and applies regardless of whether the Trader’s account is active, suspended, or terminated.
6.6 You agree that the Funded Trader Program may not be available to you in case:
(a) providing a Funded Account would result in you exceeding USD 400,000 as the maximum total sum of the Initial Simulated Capital under all Agreements;
(b) information provided for KYC, KYB, or similar identification procedures were found to be incorrect, invalid, misleading, or falsified;
(c) you fail to execute the Freelancer Agreement as described in Clause 6.2; or
(d) the Company determines, at its sole discretion, that your trading strategy during the evaluation cannot be replicated in real market conditions.
6.7 The total sum of the Initial Simulated Capital is calculated in aggregate per client, per strategy, and per ultimate beneficial owner.
6.8 If the majority of the profit in the Funded Account comes from a single trade, or if the trading style differs significantly from what was demonstrated during the evaluation, MCF reserves the right to ask the trader to continue trading for another 15 days or deny the payout. Similarly, if the trader attempts to withdraw profits pertaining to one trade only, or has traded only a small minority of the 15 days required to withdraw, the account will be unlocked and the trader will be requested to trade for another 15 days before withdrawing (not applicable in case payout on demand addon is purchased).
6.9 Traders must maintain a stable and structured trading approach throughout the entire evaluation and in the Funded Account. The Company will assess trading patterns based on factors such as trade volume, position size, risk per trade, and overall trading behaviour. Any attempt to manipulate or exploit the established rules will result in disqualification and termination of the Funded Account.
7. Rules of Simulated Trading
7.1 During Simulated Trading, you may perform simulated trades unless these constitute Prohibited Trading Strategies. In addition, you must follow the Risk Management Rules set out in Clause 9. These rules ensure that your simulated trades are replicable with the same or highly similar execution conditions in typical market behaviour and are not designed to circumvent, or “game,” our offering.
7.2 You agree that the Services are for your personal use only and that only you personally can access the Services and perform simulated trades. This means that you will not, in particular:
7.2.1 allow access to Simulated Trading on any of your MCF Challenge Accounts or data related thereto by any third party, nor engage or cooperate with any third party to have such third party perform simulated trades for you or in coordination with you;
7.2.2 access MCF Challenge Accounts of any other person, trade on behalf of any other person, or perform any account management or similar services;
7.2.3 share your password with anyone, except with authorized personnel of the Company; and
7.2.4 use challenge-passing services or any form of third-party assistance designed to pass the Evaluation Process on your behalf.
7.3 Accounts are non-transferable and non-assignable. If there is any evidence of more than one person executing trades (e.g., IP matches) on the same account, attempts to transfer the account from one user to another, or use of challenge-passing services, our team may request explanations from you. Upon failing to provide a satisfactory explanation, your account will be breached and pending payouts will be denied.
7.4 All provided accounts are demo accounts for training and evaluation purposes only.
8. Prohibited Trading Strategies
8.1 During the Evaluation Process and in the Funded Account, the following practices, strategies, and activities are strictly prohibited:
(i) Violating any applicable laws or regulations, or infringing on third-party rights;
(ii) Scraping, hacking, reverse-engineering, or bypassing our Website’s or Trading Platform’s security measures;
(iii) Using the platform to transmit unsolicited products, services, or communications;
(iv) Engaging in strategies that exploit pricing errors, use insider information, or manipulate trades in any manner. Users are obliged to communicate to MCF’s staff any exploitation flaws. Failing to communicate immediately to MCF’s staff about pricing errors will deem the user financially liable and have all accounts breaches and profits forfeited;
(v) Arbitrage trading and High-Frequency Trading (HFT);
(vi) Strategies that are difficult or impossible to replicate in real market conditions (all strategies must be simple and replicable);
(vii) Sharing accounts or operating multiple accounts in the name of different people. IP address and machine ID are criteria that can be used by the Company to identify traders sharing accounts and/or promoting prohibited activity. Intentional groups, family members, same household members, and similar are also prohibited from coordinating actions (hedging has 0-tolerance, independent of time, intention or size);
(viii) Engaging in activities that may harm the Company’s interests;
(ix) Exceeding the cumulative funding capital limit of USD 400,000 (excluding profits);
(x) Single trades exceeding USD 10,000 profit in total, or multiple trades that add up to more than USD 10,000 profit on the same day;
(xi) Hedging or Reverse Trading Between Different Accounts – Hedging or reverse trading is allowed on the same account, but strictly prohibited on different accounts. Hedging is defined as holding a long position of any amount in an instrument on one account and a short position of any amount in the same instrument on another account, simultaneously. There is zero tolerance for cross-account hedging regardless of trade size or timing. Every single instance of hedging will result in immediate account breach and forfeiture of all profits. The possibility of this violation is checked both automatically by our systems and manually by our compliance team, particularly upon the request of a payout. It is not checked before, not even when the account is analysed upon being passed towards funded;
(xii) Gambling – This includes passing evaluation phases with 80% or more of profits from a single high-risk trade without clear risk management. Gambling is defined as consistently applying an “all-or-nothing” approach, such as risking your daily loss limit or more than 4% on a single trade or group of trades. It also includes placing same-direction trades within an asset group where combined stop-loss costs exceed your drawdown limit. In case users get funded through similar approaches, MCF may restrict the maximum risk of a funded account to 1% per trade or, in extreme cases, breach the account;
(xiii) The use of Expert Advisors (EAs), bots, or automated trading systems is strictly prohibited;
(xiv) One-Sided Betting – Traders are prohibited from repeatedly opening positions in the same asset class in a single direction an excessive number of times (e.g., 95%+ of trades, or only a negligible number of opposing trades). Such a strategy introduces undue risk and demonstrates a lack of adaptability to varying market conditions. MCF is a trading company, not an investment company; traders involved in these strategies will have their accounts breached and profits forfeited. Opening small positions in opposing directions to bypass this rule will not be considered valid;
(xv) Any other practice that the Company determines, at its sole discretion, to be inconsistent with genuine Simulated Trading, misaligned with its mission and values, or designed to exploit or circumvent the Company’s model.
8.2 We reserve the right to determine, at our own discretion, whether certain simulated trades, practices, strategies, or situations qualify as or fall within a Prohibited Trading Strategy. We may update the list of Prohibited Trading Strategies from time to time. We may also impose restrictions on the use of the Trading Platform if we reasonably suspect that your Simulated Trading involves a Prohibited Trading Strategy.
8.3 Compliance Verification: Compliance with these rules is verified (1) automatically by our system, and (2) manually by our compliance team at two stages: (a) when a trader gets funded, and (b) when a trader requests a payout. At these points, our team will review your account and contact you in case there are suspicions that any of the rules have been broken. Affiliate payouts, which are received per sale referrals of other users, are revised at the withdrawal request.
9. Risk Management Rules
9.1 A fundamental aspect of our mission is to educate traders and enhance their skills to cultivate responsible trading habits. We strive to maintain a secure environment for traders to engage in Simulated Trading and we retain the discretion to implement any measures we consider appropriate to prevent activities we deem analogous to gambling, unsafe for the continuation of the business, or otherwise misaligned with our mission and values.
9.2 When using the Services you must abide by market-standard risk management rules for trading on financial markets. These are defined by us at our discretion, acting reasonably, to ensure that activity amounts to genuine Simulated Trading strategies. Genuine strategies are strategies using risk management rules a reasonable person would apply when trading on financial markets with their own money. Market-standard risk management rules include, as an example, avoiding:
9.2.1 opening substantially larger position sizes compared to your other simulated trades, on any of your accounts;
9.2.2 opening substantially smaller or larger number of positions compared to your other simulated trades, regardless of which of your accounts are concerned; and
9.2.3 undertaking repeated simulated trading activity that results in higher risk per trade idea, thereby exposing your simulated account to cumulative exposure in a specific symbol or correlated symbols.
10. Consequences of Violations
10.1 If, acting reasonably, we determine that you have engaged in Simulated Trading which involves Prohibited Trading Strategies or breach of the Risk Management Rules, we may, at our sole discretion:
10.1.1 consider it a failure to meet the Trading Objectives;
10.1.2 cancel, consolidate, or reclassify one or more of your simulated trades, or remove any transactions that violate the Rules of Simulated Trading from your trading history and/or not count their results in the profits and/or losses achieved in the Simulated Trading;
10.1.3 immediately cancel all Services provided to you, including access to the Client Area and the Trading Platform, and subsequently terminate any Agreements concluded with you with immediate effect;
10.1.4 cancel all of your Funded Accounts and any rewards or payouts thereunder;
10.1.5 reduce the offered leverage on any or all your accounts/simulated trades;
10.1.6 enforce a limitation on the volume of any specific symbol or asset class when simulated trading;
10.1.7 impose restrictions on the use of the Trading Platform;
10.1.8 enforce a limitation on risk per trade idea to a maximum limit we determine, acting reasonably, as a percentage of the Initial Simulated Capital; and/or
10.1.9 introduce any other additional measures we deem necessary, advisable, or adequate in order to ensure your Simulated Trading activity reflects long-term sustainability and is not aimed at the mere exploitation of our model, including temporary or permanent consistency measures.
10.2 We will endeavour to notify you of any action we take. However, we are not required to notify you before taking such action. Some violations, as specified in these Terms, result in automatic account termination.
10.3 If Prohibited Trading Strategies are executed on one or more of your MCF Challenge Accounts, or accounts of various related customers, or by combining trading through MCF Challenge Accounts and Funded Accounts, then we are entitled to cancel all Services and terminate all Agreements relating to all MCF Challenge Accounts and Funded Accounts you have, with immediate effect, and apply other measures described in this Clause 10.
10.4 We are not obliged to provide you with any compensation if we take any action against you in accordance with this Clause 10. You are also not entitled to any refund of the Registration Fee. In addition, we may adopt measures to prevent you from using our Services in the future.
10.5 Once an account is breached, it cannot be returned to its original state.
10.6 In particular, if it appears to the Company that the client had a breach of rules such as those in Clauses 8.1(v) and 8.1(vi), we may decide to remove part or all of the profits made under such prohibited techniques. If the suspicion is confirmed, the account will be breached.
11. Account Management
11.1 You may cancel your registration at any time by sending an email to us.
11.2 We are not responsible for unauthorised access resulting from theft or misuse of your credentials.
11.3 We reserve the right to refuse or cancel services, terminate accounts, or remove content at our sole discretion or upon violation of these Terms.
11.4 You must inform us if you use the same payment channel or payment component details, such as debit or credit card, external wallet or crypto address, or the same device (such as computer, mobile phone, or tablet) for accessing the Services with any other user of our Services.
11.5 Old accounts (failed, cancelled, and passed) are automatically deleted from the dashboard. The user may request an authenticated MT5 statement to verify their trades on such old accounts.
11.6 Any affiliate or marketing accounts with MCF are valid only while the affiliate agreement remains active. In the event of contract termination or non-renewal, the affiliate will have the right to request the withdrawal of any remaining balance, provided the account is in a “funded” status. After this process, the account will be automatically deactivated and access will be blocked. Affiliate accounts are intended for marketing and promotional purposes related to MCF and must not be used for any other activities.
12. KYC, AML and Payout Procedures
KYC Verification
12.1 Clients must complete a mandatory KYC form before receiving any payouts. If we find that the information on your KYC documentation differs from the information you provided on the checkout page (i.e., you passed the evaluation under a nickname, a false name, nationality, age, or similar), your account will be immediately breached with forfeiture of profits and fees. You recognise that all information you provide to us is accurate and corresponds to government-issued data. You accept that to receive a payout you will be asked to demonstrate the exact identity you used to purchase the product, without the possibility to change any details or request to prove another identity after you are asked to do so.
12.2 In the event that the KYC documentation submitted is deemed unclear, inconsistent, or otherwise gives rise to reasonable suspicion, MCF reserves the right to request a brief identity verification call (video call). Should such a call be scheduled and accepted by the Client, failure to attend without a valid and justifiable reason shall, in itself, constitute sufficient grounds for the permanent rejection of the Client’s KYC verification.
12.3 The repeated submission of the same invalid documents for KYC verification, especially after they have been rejected, is strictly prohibited. Such behaviour will be considered an act of bad faith and may result in account termination and banning from the platform.
Payment Provider and AML Compliance
12.4 For legal, regulatory, sanctions, and AML/CTF compliance reasons, all payouts are processed exclusively through MCF’s designated third-party payment provider, Rise (Rise Works). The Client must create and maintain a valid Rise account and, as part of the registration and onboarding process, successfully complete all KYC, AML, identity verification, and compliance checks required by Rise.
12.5 In addition to Rise’s verification process, MCF conducts an independent internal and manual compliance review of Clients prior to payout approval. This secondary review may include additional documentation requests or internal risk assessments.
12.6 If the Client’s country of residence is not supported by Rise, or if Rise is legally unavailable in that jurisdiction, MCF may, at its sole discretion, process payouts in cryptocurrency directly to a wallet designated by the Client, subject to successful completion of Rise’s KYC/AML requirements and MCF’s internal compliance review. The maximum payout to be processed outside of Rise is USDT 2,000.
12.7 If Rise requires a Tax Identification Number (Tax ID) for the Client’s jurisdiction, MCF may, subject to compliance approval, process only the Client’s first payout without a Tax ID. Any subsequent payouts will be processed only after the Client provides a valid Tax ID and the payout can be executed via Rise.
12.8 Any single payout request exceeding USD 8,000 (or equivalent) shall not be processed outside of Rise. Additionally, once the cumulative total of payouts processed outside of Rise reaches USD 8,000 (or equivalent), all subsequent payouts, regardless of amount, must be processed exclusively through Rise.
12.9 Failure to complete Rise onboarding, KYC, or required verification within a reasonable timeframe may result in payout delays, withholding, cancellation, and/or account suspension until full compliance is achieved.
12.10 Network fees, banking fees, provider fees, exchange-rate slippage, minimum transfer amounts, and processing or confirmation times are determined by Rise, blockchain networks, and intermediaries, and are outside of MCF’s control. In case the user does not have a valid Rise account, the single payout limit is USDT 2,000.
13. Copy Trading
13.1 Copy trading is permitted only insofar as it does not result in hedging between accounts. If copy trading or any other form of trade mirroring is used to create opposite exposures between accounts — whether within the same trader’s accounts or between different traders — such activity will be deemed hedging and will constitute a violation of these Terms. In such cases, the Company reserves the right to cancel the affected accounts.
13.2 Profitable traders may be included in copy trading programs under provider conditions as determined by the Company.
14. Use of the Website, Services and Other Content
14.1 All Content is subject to legal protection pursuant to copyright laws and other laws and regulations, and is our or our licensor’s property. We grant you a limited, non-exclusive, non-transferable, non-assignable, and revocable permission to use the Content for the purpose of using the Services for your personal use and in accordance with these Terms. The Content is not sold or otherwise transferred to you.
14.2 All trademarks, logos, trade names, and other designations displayed on, through, or in connection with the Services are our property or our licensor’s property, and we do not grant you any authorisation to use them.
14.3 When accessing the Services and the Content you agree that you will not:
14.3.1 use any tools that may adversely affect the operation of the Website, the Services, or the Content, or that would be intended to take advantage of errors, bugs, or other deficiencies;
14.3.2 circumvent geographical restrictions of availability or any other technical restrictions;
14.3.3 make copies or back-ups of the Website, the Services, or the Content;
14.3.4 reverse-engineer, decompile, disassemble, or otherwise modify the Website, the Services, or the Content;
14.3.5 sell, rent, lend, license, distribute, reproduce, or use the Website, the Services, or the Content otherwise than as expressly permitted in these Terms; or
14.3.6 use automated means to view, display, or collect information available through the Website, the Services, or the Content.
15. Disclaimer and Indemnification
15.1 The Services, the Website, and the Content are provided “as is” and we hereby disclaim, to the fullest extent permitted by law, any statutory, contractual, express, and implied warranties of any kind, including any warranty of quality, merchantability, fitness for a particular purpose, or non-infringement of any rights. We do not provide any guarantee for the quality of the Services and we make no express or implied representations that the Services will meet your requirements, be compatible with any software, system, or other services, be accurate, complete, free of errors, or fully accessible at all times.
15.2 To the fullest extent permitted by law, we are not responsible for:
15.2.1 any harm, including any direct, indirect, or consequential damage, including lost income or profit, loss of data, personal or other non-monetary harm, or property damage caused as a result of use of the Services;
15.2.2 our failure to provide the Services if that failure occurs due to technical or operational reasons beyond our control, including crisis, natural disaster, war, pandemic, or other force majeure events;
15.2.3 any products, services, applications, or other third-party content that you use in connection with the Services;
15.2.4 the Trading Platform and any information displayed on the Trading Platform, including interruptions, delays, or inaccuracies in market or statistical data; and
15.2.5 trading or other investment activities performed by you outside of your relationship with us.
15.3 In case our liability is inferred, it will be limited to the amount corresponding to the Registration Fee you have paid for the Services in connection with which you have incurred the loss.
15.4 Use of our platform is at your own risk. The information provided may contain inaccuracies. We reserve the right to make changes at any time.
15.5 You shall indemnify, hold harmless, and, at our option, defend us from and against any and all losses, damages, liabilities, and costs (including reasonable attorneys’ fees) resulting from any third-party claim arising from your (i) negligence or wilful misconduct; (ii) use of the Services in a manner not authorised by these Terms; (iii) use of the Services in combination with data, software, hardware, equipment, or technology not provided by or authorised by us; or (iv) modifications to the Services not made by us. This indemnity shall survive the termination of the Agreement.
16. Breach of These Terms
16.1 We may prevent you from ordering further Services and restrict your access to existing Services, including to the Client Area and the Trading Platform, without any prior notice, if you breach any provision of these Terms.
16.2 If you breach Clause 1 (Eligible Customers), 3.4, 7 (Rules of Simulated Trading), 8 (Prohibited Trading Strategies), or Clause 14 (Use of the Website, Services and Other Content), or act in a manner that may damage our reputation, including after termination of this Agreement, we will terminate one or more Agreements and you will lose access to the Services.
16.3 We are not obliged to provide you with any compensation in the cases set out in this Clause 16. In addition, we may adopt measures to prevent you from using our Services in the future.
17. Right to Withdraw from the Agreement
17.1 You have the right to withdraw from the Agreement relating to an individual Order without giving a reason during a fourteen (14) calendar-day period following the execution of such Agreement. However, you may not withdraw from the Agreement after you start using the Service purchased under the respective Order. Indicated clauses survive even after withdrawal.
17.2 You must send the withdrawal request to us by email within the specified time limit. We will refund the Registration Fee no later than fourteen (14) calendar days after withdrawal from the Agreement in the same manner in which you made the payment.
18. Duration and Termination of the Agreement
18.1 The Agreement is concluded for a definite period until the MCF Challenge is successfully passed or failed in accordance with Clause 5.
18.2 The Agreement may be terminated early in the following cases:
18.2.1 The Agreement terminates automatically and with immediate effect:
(a) in case you reject a Modification as set out in Clause 20;
(b) upon your death or, in case of legal entities, a filing for bankruptcy, winding-up, dissolution, or liquidation;
18.2.2 We may terminate the Agreement with immediate effect:
(a) if you do not meet the criteria set out in Clause 1 (Eligible Customers);
(b) if you do not pay the Registration Fee;
(c) if you breach the rules regarding personal use of the Services set out in Clause 7.2;
(d) if access to the Client Area is terminated;
(e) if you engage in Prohibited Trading Strategies;
(f) if you fail to execute the Freelancer Agreement as required by Clause 6.2;
(g) if we determine that the provision of Services would adversely affect our ability to comply with legal obligations; or
(h) as a result of your breach of these Terms as set out in Clause 16.
18.2.3 In addition, we reserve the right to terminate the Agreement in case of your prolonged inactivity (no simulated trades for a period of thirty (30) consecutive calendar days).
18.2.4 Either party may terminate the Agreement without cause by serving a written notice at least fourteen (14) calendar days in advance.
18.3 If the Agreement is terminated, all Services provided under such Agreement are terminated.
18.4 Notwithstanding any other provision of these Terms, the following Clauses will survive the termination of the Agreement: 6.5, 14 (Use of the Website, Services and Other Content), 15 (Disclaimer and Indemnification), and 21 (Your Personal Information and Simulated Trading Information).
18.5 We are not obliged to provide you with any compensation if we exercise our rights under this Clause 18.
19. Technical Issues, Defective Performance and Complaints
19.1 If you encounter any technical issue or defect of the Services, you agree to report them to us at your earliest convenience by contacting our support team at support@mycryptofunding.org with the account identified and a description of the issue including the date and time. If you proceed to perform new simulated trades after observing a technical issue without receiving a response from our team, you may be deemed fully responsible for the outcome of such simulated trades, even if these were affected by the identified technical issue.
19.2 You acknowledge that we may use tools utilising artificial intelligence for various tasks related to the Services, including by our technical support team.
19.3 If you have any complaints or suggestions, you can file a complaint by sending an email to support@mycryptofunding.org. We will try to resolve any complaint as soon as possible, however no later than within thirty (30) calendar days, and we will confirm its receipt and settlement in writing.
19.4 We are entitled to stop providing any Services to you and to refuse any future provision of Services if you lodge a complaint regarding the fee paid which we deem to be unjustifiable, or if you dispute the Registration Fee with your bank or payment service provider (for example through chargeback services), on the basis of which a refund is requested.
19.5 The User acknowledges that communications from support staff may contain errors or inaccuracies, and agrees that, in the event of any inconsistency between any such communication and these Terms and Conditions, these Terms and Conditions shall control and prevail. Any guidance or accommodation communicated by support does not constitute an amendment or waiver of these Terms unless expressly authorised in writing by a duly empowered legal representative of the Company. In the case of conflicting versions, the most recent version of these Terms posted on the Website shall govern.
19.6 The User agrees that upon encountering any problems or upon finding the necessity to dispute any actions, they will utilise the adequate support means (and only them): live chat (website, or WhatsApp), Discord tickets, email. Means outside of those, such as public social media tagging or replying to social media posts will not receive response and the user may have his account breached according to the company’s discretion.
20. Changes to These Terms
20.1 We may amend these Terms in the future (each such amendment a “Modification”). Your continued use of the Services will constitute acceptance of the Modification.
20.2 If you do not agree with the Modification, you are entitled to reject it by email no later than on the last business day before such changes take effect. In such a case, all Agreements will be automatically terminated. We are not obliged to pay any compensation to you in case of any Modification.
20.3 You are responsible for reviewing such updates. Continued use of our platform or Services constitutes acceptance of any changes.
21. Your Personal Information and Simulated Trading Information
21.1 When providing the Services we will process your personal data in accordance with the Privacy Policy which may be updated from time to time.
21.2 You retain rights to the information you provide but grant the Company permission to use it for advertising and marketing purposes. Your data will not be sold to third parties.
21.3 You acknowledge that while providing the Services we have access to information about simulated trades that you perform on the Trading Platform. You consent to us sharing this information with affiliated entities, and to us using this information including, without limitation, in connection with trading in financial products or to improve our services, or processing and analysing this information, including by automated means. The information about simulated trades is always anonymised. You agree that you have no right or entitlement to any benefit in connection with the use of such data by us. Your consent survives the termination of the Agreement.
21.4 The termination of the Agreement does not affect the processing and use of any personal data or Simulated Trading information obtained prior to termination.
22. Governing Law and Jurisdiction
22.1 The Agreement, including these Terms, and any Services provided thereunder and any non-contractual obligations arising under the Agreement are governed exclusively by the laws of Saint Lucia, excluding its rules of private international law.
22.2 Any legal action or proceeding arising under this Agreement shall be brought exclusively in the courts located in Saint Lucia, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.
Communications and Notices
22.3 We will generally communicate with you electronically via the email address which you have registered with us. You consent to us providing any notices or documents which we are required to provide to you under applicable law in this manner. Such communication is considered written communication and delivered when sent to your registered email address or when it has been added to the Client Area.
22.4 Any information that authorised staff regard as confidential cannot be shared with anyone outside the organisation. This includes emails and private live conversations. Turning such communication public through screenshots or descriptions implies immediate account breach and profits forfeiture
General Provisions
22.5 The Agreement is concluded in the English language. By entering into the Agreement, you confirm that you understand the English language and agree to communicate with us in English for all purposes arising under the Agreement.
22.6 The Agreement, together with any other documents incorporated herein by reference, constitutes the sole and entire agreement between you and us with respect to the subject matter of this Agreement and supersedes all prior and contemporaneous understandings.
22.7 You agree that we may assign or transfer the Agreement or any part thereof to a third party. You may not transfer the Agreement to a third party without our prior written consent.
22.8 If at any time any provision of the Agreement is or becomes void, illegal, invalid, or unenforceable, it will not affect the validity and enforceability of the remaining provisions. Any such provision will be replaced by a provision which best achieves the commercial effect intended.
22.9 No failure to exercise, or any delay in exercising, on our part, any right under the Agreement will operate as a waiver.
22.10 Both you and we undertake to act in accordance with the principles of fair dealing in the performance of the Agreement and not to damage each other’s reputation and legitimate interests.
22.11 Sections that should survive termination shall do so, including but not limited to Clauses 6.5, 14, 15, and 21.
23. Definitions and Interpretation
23.1 In these Terms, the following terms have the meaning set out below:
“Agreement” means the contract between you and us which is concluded when we confirm your Order as set out in the introductory provisions to these Terms.
“Client Area” means the user interface located on the Website, also referred to as the “Dashboard” in marketing materials and the Website.
“Content” means the Website and all the Services, including the Client Area, their appearance, and all applications, data, information, multimedia elements, and other content that may form the Services.
“Consumer” means any natural person who is acting for purposes which are outside their trade, business, craft, or profession.
“Evaluation Process” means the process of assessing your trading knowledge and skills through the MCF Challenge.
“Freelancer Agreement” means the Independent Contractor Agreement that must be executed as a mandatory condition for participation in the Funded Trader Program, as described in Clause 6.2.
“Funded Account” means the trading account provided to the Trader upon successful completion of the Evaluation Process and execution of the Freelancer Agreement, through which the Trader participates in the Funded Trader Program.
“Funded Trader Program” means the program governed by the Freelancer Agreement whereby the Trader gains access to a Funded Account and may receive monetary rewards based on performance data generated.
“Initial Simulated Capital” means a simulated amount that you have chosen when selecting the Options and which you will use to perform Simulated Trading.
“MCF Challenge” means the evaluation service described in Clause 5, provided in two versions: (a) MCF Challenge: 1-Step, and (b) MCF Challenge: 2-Step.
“MCF Challenge Account” means the simulated trading account related to each phase of the MCF Challenge.
“Modification” means an amendment to these Terms as set out in Clause 20 (Changes to These Terms).
“Options” means the options you select when completing the Order as set out in Clause 3.2.
“Order” means an order of the MCF Challenge and other Services which you make on the Website by completing and submitting the relevant form.
“Profile Credentials” means the login credentials for access to the Client Area created during registration.
“Prohibited Trading Strategies” means trading practices, strategies, or situations specified in Clause 8, as updated from time to time, which are strictly forbidden while using our Services.
“Registration Fee” means the fee for the MCF Challenge which varies according to the Options.
“Restricted Jurisdictions” means the countries where we do not provide the Services and from which we do not accept citizens or residents as customers, as determined by us at our discretion.
“Risk Management Rules” means good market-standard rules and practices for trading on financial markets set out in Clause 9.
“Services” means our services which we enable you to access through the Website, including the Evaluation Process, educational materials, and analytical tools, as further described in Clause 5.
“Simulated Trading” means activity that simulates trading on financial markets performed on the Trading Platform, in which information and market data from real financial markets is used only to reproduce market conditions; no actual trading is taking place and there is no execution of trades in financial markets.
“Terms” means these General Terms and Conditions.
“Trading Objectives” means the requirements that you must meet before you can advance from one phase of the MCF Challenge to the next phase or from the MCF Challenge to the Funded Trader Program, as set out in Clause 5 and on the Website.
“Trading Platform” means the electronic interface provided by a third party (e.g., MetaTrader 5) in which you perform Simulated Trading.
“Trading Platform Credentials” means the login credentials for access to the Trading Platform shared with you after receiving payment of the Registration Fee.
“Website” means the website mycryptofunding.org.
“we” / “us” / “our” means MCF Markets Ltd.
23.2 If we use a currency reference in these Terms, the equivalent in a different currency applies as well.
Contact Information
For any questions or comments about these Terms, please contact us at:
Email: support@mycryptofunding.org
Website: www.mycryptofunding.org
Address: Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia
© 2025-2026 MCF Markets Ltd. All Rights Reserved.