Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions constitute a legally binding agreement between Navion Fx Limited and clients who use the trading platform, website, and related services. By registering for an account or using the services, clients acknowledge that they have read, understood, and agree to be bound by these Terms and Conditions.

If clients do not agree to these Terms and Conditions, they must not use the services. Continued use of the platform constitutes acceptance of any amendments or updates to these terms.

2. Definitions

Company: Navion Fx Limited, a company registered in Saint Lucia with registration number 2025-00350.
Client: Any individual or entity that registers for and uses the services provided by the Company.
Platform: The trading platform, website, mobile applications, and all related systems operated by the Company.
Services: All trading, account management, and related services provided by the Company.
Account: The trading account opened by a client with the Company.
CFD: Contract for Difference, a derivative instrument traded on the Platform.

3. Eligibility and Account Opening

To open an account and use the services, clients must meet the following requirements:

Age Requirement: Clients must be at least 18 years of age or the age of legal majority in their jurisdiction, whichever is higher.

Legal Capacity: Clients must have full legal capacity to enter into binding contracts under applicable laws.

Jurisdictional Restrictions: Services are not available to residents of restricted jurisdictions including but not limited to the USA, EU member countries, Iceland, Liechtenstein, Norway, and countries identified as high-risk or sanctioned.

Accurate Information: Clients must provide true, accurate, current, and complete information during the registration process and maintain such information throughout the relationship.

Verification: Clients must complete the KYC verification process and provide all required documentation before trading activities can commence.

One Account Per Person: Each client is permitted to hold only one account unless specifically authorized by the Company.

4. Account Security

Clients are responsible for maintaining the confidentiality and security of their account credentials, including username, password, and two-factor authentication codes. Clients must:

Not share account credentials with any third party
Notify the Company immediately of any unauthorized access or security breach
Use strong passwords and enable two-factor authentication
Log out of the Platform after each session, especially when using shared devices
Ensure all account activities are conducted personally or by authorized representatives

The Company shall not be liable for any losses arising from unauthorized use of client accounts, except where such unauthorized use results from the Company's gross negligence or willful misconduct.

5. Risk Warning and Financial Advice

Trading Risks: Trading in leveraged products such as Forex, CFDs, and other financial instruments involves substantial risk of loss. Clients may lose all invested capital. Leverage can magnify both gains and losses.

Market Volatility: Prices of financial instruments can be volatile and subject to rapid changes. Past performance is not indicative of future results.

No Guarantees: The Company does not guarantee profits or protection against losses. All trading decisions are made solely at the client's discretion and risk.

No Financial Advice: The Company does not provide financial, investment, or trading advice. All content provided is for informational purposes only. Clients should seek independent professional advice before making trading decisions.

Suitability Assessment: Clients are responsible for assessing whether trading is suitable for their financial situation, investment objectives, and risk tolerance.

6. Deposits and Withdrawals

Deposits:
All deposits must originate from accounts held in the client's name
Third-party deposits are strictly prohibited
Processing times vary by payment method: instant to 5 business days
The Company reserves the right to refuse deposits from unverified sources
Minimum deposit amounts apply as specified on the Platform

Withdrawals:
Withdrawals can only be made to accounts in the client's name
Processing times range from 1 to 5 business days depending on the payment method
The Company may request additional verification before processing withdrawals
Withdrawal fees may apply depending on the payment method
Minimum withdrawal amounts apply as specified on the Platform

Anti-Money Laundering Compliance: All deposit and withdrawal transactions are subject to AML/CTF verification procedures.

7. Fees and Charges

The Company may charge various fees for its services, including but not limited to:

Spreads: The difference between bid and ask prices
Commissions: Charges applied per trade or per lot, depending on account type
Overnight Fees: Swap charges for positions held overnight
Inactivity Fee: Charged after 180 days of account inactivity
Deposit and Withdrawal Fees: May vary by payment method
Currency Conversion Fees: Applied when converting between currencies

All applicable fees are disclosed on the Company's website and may be updated with 30 days' prior notice to clients.

8. Trading Conditions and Order Execution

Platform Availability: While the Company aims for maximum uptime, platform availability is not guaranteed. The Company is not liable for losses resulting from platform downtime, technical issues, or internet connectivity problems.

Order Execution: Orders are executed at the best available market price. Slippage may occur, particularly during periods of high volatility or low liquidity.

Price Feeds: Prices are derived from third-party liquidity providers and may differ slightly between providers.

Market Gaps: Price gaps can occur between trading sessions or during volatile market conditions. The Company is not responsible for losses resulting from market gaps.

Trading Hours: Trading hours vary by instrument and are subject to change without notice due to market conditions or public holidays.

9. Margin and Leverage

Margin Requirements: Clients must maintain sufficient margin to support open positions. Margin requirements vary by instrument and account type.

Margin Calls: When account equity falls to the margin call level, clients will be notified to deposit additional funds or close positions.

Stop Out: If account equity falls to the stop-out level, the Company may automatically close positions to prevent further losses. Clients are responsible for monitoring their margin levels.

Leverage: Leverage amplifies both potential gains and losses. Maximum leverage varies by account type and instrument.

Negative Balance Protection: The Company may offer negative balance protection in certain jurisdictions, preventing client account balances from falling below zero.

10. Prohibited Activities

Clients are strictly prohibited from engaging in the following activities:

Market manipulation, including price manipulation or spoofing
Money laundering or terrorist financing
Sharing or transferring account access to third parties
Using unauthorized automated trading systems or bots without approval
Exploiting platform errors or technical glitches
Engaging in fraudulent or deceptive practices
Scalping or arbitrage strategies (if prohibited under specific account terms)
Attempting to reverse engineer or hack the Platform
Using the services for any illegal purposes

Violation of these prohibitions may result in immediate account suspension or termination and forfeiture of profits.

11. Account Termination and Suspension

By Client: Clients may close their accounts at any time by submitting a written request after withdrawing all available funds and closing all open positions.

By Company: The Company reserves the right to suspend or terminate client accounts with immediate effect in the following circumstances:

Violation of these Terms and Conditions
Fraudulent, abusive, or illegal activity
Failure to complete KYC verification
Extended periods of inactivity
Regulatory requirements or legal obligations
At the Company's sole discretion for risk management purposes

Upon termination, the Company will return any remaining funds to the client after deducting applicable fees and settling all obligations, subject to regulatory requirements.

12. Intellectual Property

All content, trademarks, logos, software, and materials on the Platform are the exclusive property of Navion Fx Limited or its licensors and are protected by intellectual property laws.

Clients are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal trading purposes only. Clients may not reproduce, distribute, modify, or create derivative works from any Platform content without prior written consent.

13. Limitation of Liability

To the fullest extent permitted by law:

The Company provides services on an "as is" and "as available" basis without warranties of any kind
The Company is not liable for any trading losses incurred by clients
The Company is not responsible for losses resulting from market conditions, force majeure events, or third-party service failures
The Company's total liability is limited to the fees paid by the client in the 12 months preceding the claim
The Company is not liable for indirect, consequential, or punitive damages

Exceptions: This limitation does not apply to losses caused by the Company's fraud, gross negligence, or willful misconduct.

14. Indemnification

Clients agree to indemnify, defend, and hold harmless Navion Fx Limited, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

Client's use of the services
Violation of these Terms and Conditions
Violation of applicable laws or regulations
Infringement of third-party rights
Client's trading activities and decisions

15. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Saint Lucia, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms and Conditions or the use of the services shall be subject to the exclusive jurisdiction of the courts of Saint Lucia.

16. Dispute Resolution

In the event of a dispute, clients should first contact the Company's support team to seek resolution. If the matter cannot be resolved internally, clients may escalate the complaint through formal channels.

Clients may also have the right to refer unresolved disputes to relevant financial ombudsman services or regulatory authorities in their jurisdiction.

17. Amendments to Terms and Conditions

The Company reserves the right to modify these Terms and Conditions at any time. Material changes will be communicated to clients via:

Email notification to registered email addresses
Prominent notice on the Platform
In-platform notifications

Clients will typically be given 30 days' notice before changes take effect. Continued use of the services after the effective date constitutes acceptance of the updated terms.

If clients do not agree to the updated terms, they must close their accounts and cease using the services.

18. Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations due to circumstances beyond its reasonable control, including but not limited to:

Natural disasters, pandemics, or acts of God
War, terrorism, or civil unrest
Government actions or regulatory changes
Technical failures, cyber-attacks, or internet outages
Market disruptions or liquidity provider failures
Labor disputes or strikes

19. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20. Entire Agreement

These Terms and Conditions, together with the Privacy Policy, Risk Disclosure Statement, and any other policies referenced herein, constitute the entire agreement between the client and Navion Fx Limited regarding the use of the services.

These terms supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral.

21. Contact Information

For questions, concerns, or support regarding these Terms and Conditions or the services, please contact:

Email: support@navionfx.com
Phone: +1 758 486 0469