TERMS AND CONDITIONS OF USE

ARTICLE 1 — DEFINITIONS

1.2 Professional / independent trader capacity: By registering for the Services and opting into eligibility for commercial Rewards under Article 2 (including USDT payouts), the User represents and warrants that they act as an independent professional trader (self-employed economic operator / trader acting in the course of a business or profession), and not merely as a consumer for the purposes of the contractual relationship relating to those Rewards, the Funded program, and related risk reviews. This representation reinforces the exclusive jurisdiction and governing-law clauses in Article 13. It does not waive any mandatory statutory rights that cannot lawfully be excluded.

• "MojaFunded" or "the Company": MOJA DIGITAL LTD (Company No. 17304023), registered in England & Wales, operating the MojaFunded trading skill evaluation platform.
• "Trader" or "User": any individual aged 18+ using the services.
• "Challenge": two-phase skill evaluation process conducted exclusively with demo / simulated capital. No real money is traded by the Trader during the Challenge.
• "Evaluation Account": a simulated (demo) trading account used solely to assess the Trader’s skill during the Challenge phases.
• "Funded Account": a simulated trading account on the MOJA Funded platform that the Trader continues to operate after successfully completing the Challenge. The Trader does not directly manage customer funds or a personal live brokerage account at MOJA.
• "Company Trading Account": a real trading account owned and controlled solely by the Company, used at the Company’s discretion to deploy the Company’s own capital.
• "Signal Mirroring" (or "Company Mirroring"): the Company’s optional, internal practice of copying or mirroring selected signals or operations from a Trader’s Funded Account onto the Company Trading Account. This is performed solely by the Company with its own capital and does not constitute the Trader managing third-party or customer funds.
• "Evaluation Fee": one-time payment for access.
• "Reward": commercial compensation (typically paid in USDT) calculated by reference to Funded Account results and/or related mirrored performance, subject to these Terms — not a withdrawal from a personal live brokerage account of the Trader.
• "Balance": the account’s settled cash balance (realized PnL, commissions, and fees applied), excluding unrealized mark-to-market of open positions.
• "Equity": Balance plus the unrealized (floating) mark-to-market PnL of all open positions, after commissions and fees. Daily loss and maximum loss limits under Articles 4.3 and 4.4 are measured against Balance and/or Equity as stated therein.

ARTICLE 2 — NATURE OF SERVICE

We provide a trading skill evaluation and proprietary trader program — not brokerage services to the public, fund management of user assets, regulated investment advice, or custody of the Trader’s real money.

Challenge (evaluation): the Trader operates exclusively with demo / simulated capital. Challenge activity does not involve real money belonging to the Trader, customers, or the Company being traded by the Trader.

Funded: after approval, the Trader continues trading on the MOJA Funded platform through a Funded Account (simulated account interface). When the Company is satisfied that the Trader has demonstrated sufficient skill, the Company may, at its sole discretion, copy or mirror the Trader’s signals or operations onto the Company Trading Account using the Company’s own real capital.

The Trader does not custody, control, or directly manage customer funds, investor capital, or a personal live brokerage account provided by MOJA. Any Rewards or payouts are commercial compensation based on Funded Account results (and, where applicable, related mirrored results), paid in accepted crypto (e.g. USDT) subject to program rules — not investment returns or withdrawals from client funds.

• ❌Securities or crypto broker
• ❌Collective investment scheme
• ❌Regulated financial advice
• ❌Managing users’ real money
• ❌Custody of Trader or customer funds

ARTICLE 3 — ACCESS REQUIREMENTS

• Minimum age 18 (or higher if required locally).
• Restricted territories: USA, DPRK, Iran, Syria, Cuba, Crimea, sanctioned regions.
• KYC may be required at any time; refusal may suspend the account.
• KYC before first payout: no reward payment will be processed until identity verification is successfully completed (government-issued ID and selfie / liveness as instructed).

ARTICLE 4 — CHALLENGE

4.1 Structure: two mandatory evaluation phases, with parameters set out in the 4.1 — Phase 1 and 4.1 — Phase 2 tables.

4.2 Available accounts: the Challenge is offered in the account sizes, evaluation fees, and maximum reward split shown in the 4.2 — Available accounts table.

4.3 Daily loss: 5% of the day’s opening Balance (UTC) (e.g. $50,000 → max. $2,500/day). Breach is assessed at any time during the UTC day against both Balance and Equity — whichever produces the more adverse reading. Equity includes unrealized (floating) PnL of open positions, as well as realized PnL, commissions, and fees. A floating loss that causes Equity to fall 5% or more below the day’s opening Balance is a breach even if no trade has been closed and Balance has not yet changed.

4.4 Maximum loss: 10% of the phase’s initial capital (e.g. $50,000 → floor $45,000). The limit is measured at any time against both Balance and Equity (including unrealized floating PnL, commissions, and fees). If Equity falls 10% or more below the phase’s initial capital, the account fails immediately, even if Balance has not yet reflected the loss because positions remain open.

4.5 Valid trading day: at least one position opened and closed on that day.

4.6 Mandatory stop-loss (Phase 1 & Phase 2): opening or holding positions on an Evaluation Account without a valid stop-loss attached to the position is prohibited throughout Phase 1 and Phase 2. The stop-loss must be set at entry or within 5 minutes of opening; after that window without SL, or if set later, the trade is treated as having no valid stop-loss. The stop-loss must remain active for the entire life of the trade, except for reasonable risk-management adjustments (e.g. moving the stop in the trader’s favor after favorable price action). Breaches may result in disqualification (Article 5.3), rejection or deferral of funded approval (Article 5.8), and are considered in any manual risk review.

4.7 Aggregate exposure & aggregate risk (Phase 1 & Phase 2): the same hard limits as Article 5.4.5 and 5.4.6 apply during the Challenge — (a) maximum aggregate exposure: the sum of the notional value (entry price × quantity) of all simultaneously open positions must not exceed 50% of account capital (phase / account starting capital — not floating mark-to-market equity); (b) maximum aggregate risk: the combined potential loss of open positions calculated from active stop-losses must not exceed 6% of the same account capital (positions still inside the 5-minute stop-loss grace window are excluded until that window expires). Price moves alone do not change exposure % while position sizes stay the same. These limits apply to Evaluation Accounts in the same way as to Funded Accounts. Breaches may result in disqualification (Article 5.3) and/or rejection or deferral of funded approval (Article 5.8). The Funded Account strike / profit-split reduction system (Article 5.4.8) does not apply during the Challenge.

4.8 Maximum 2% risk per trade (Phase 1 & Phase 2): the same hard limit as Article 5.4.3 applies during the Challenge — maximum permitted risk per single trade is 2% of account balance at entry, measured as theoretical loss from entry price to stop-loss. A stop that implies more than 2% risk breaches this rule and may result in disqualification (Article 5.3) and/or rejection or deferral of funded approval (Article 5.8).

ARTICLE 5.1 — PROHIBITED PRACTICES

• ❌Bots, Expert Advisors (EAs), automated scripts, third-party algorithms
• ❌Unauthorized automated copy trading of EXTERNAL signals (signals, feeds, or strategies from third parties not authorized by the Company). This prohibition does not restrict the Company’s own internal Signal Mirroring of Funded Account activity onto the Company Trading Account
• ❌Latency arbitrage, price manipulation, hedging across accounts
• ❌Coordinated trading between accounts to guarantee profits
• ❌Account sharing, sale, or transfer
• ❌Use of insider or privileged information

ARTICLE 5.2 — PERMITTED PRACTICES

• ✅Manual trading and technical indicators
• ✅Manual scalping, swing trading, and day trading
• ✅Trading during news events and holding positions over the weekend (at the Trader’s own risk and responsibility)

ARTICLE 5.3 — CONSEQUENCES OF VIOLATIONS

Immediate disqualification, cancellation of pending rewards, possible permanent ban; the evaluation fee will not be returned.

ARTICLE 5.4 — STOP-LOSS, RISK LIMITS & FUNDED STRIKE SYSTEM

5.4.1 Scope: Sections 5.4.2 (mandatory stop-loss), 5.4.3 (maximum 2% risk per trade), 5.4.5 (maximum aggregate exposure 50%), and 5.4.6 (maximum aggregate risk 6%) apply to all of the following: Evaluation Accounts in Phase 1 and Phase 2, validation / pending risk review periods, and Funded Accounts (including Instant Funded). Section 5.4.8 (strike system / profit-split reduction) applies to Funded Accounts only. On Evaluation Accounts, breaches of 5.4.2, 5.4.3, 5.4.5, and 5.4.6 are handled under Articles 5.3 and 5.8 (disqualification and/or funded-approval review), not via strikes.

5.4.2 Stop-loss required (Challenge and Funded): opening or holding positions without a valid stop-loss attached to the position is prohibited on Evaluation Accounts (Phase 1 and Phase 2) and on the Funded Account. The stop-loss must be set at entry or within 5 minutes of opening; after that window without SL, or if set later, the trade is treated as having no valid stop-loss for risk rules.

5.4.2.a The stop-loss must remain active for the entire life of the trade, except for reasonable risk-management adjustments (e.g. moving the stop in the trader’s favor after favorable price action).

5.4.3 Maximum 2% risk per trade (Challenge and Funded): maximum permitted risk per single trade is 2% of account balance at entry, computed as theoretical loss from entry price to stop-loss (distance × exposure). If the stop implies loss above 2% of balance, the trade breaches this rule. Challenge consequence: disqualification (Article 5.3) and/or rejection or deferral of funded approval (Article 5.8). Funded / rewards consequence: the trade is invalid for reward purposes and the Company may adjust or void attributable PnL; repeated breaches may also be considered under Article 5.4.8 and payout review.

5.4.4 The Company may reject or invalidate payout requests based on trades breaching Sections 5.4.2 through 5.4.8, without prejudice to other remedies. On Evaluation Accounts, the Company may disqualify or refuse funded approval for breaches of Sections 5.4.2, 5.4.3, 5.4.5, and 5.4.6.

5.4.5 Maximum aggregate exposure (Challenge and Funded): you may not have open, at the same time, more than 50% of the account’s capital. Account capital means the account’s starting / funded capital for that phase (for Funded Accounts: funded initial capital; for Challenge: phase starting capital) — not the floating current equity after mark-to-market. The sum of the notional value of all simultaneously open positions (entry price × quantity) must not exceed 50% of that capital. Price rising or falling alone does not change this percentage while sizes stay the same; opening additional size that pushes the sum above 50% does. Illustrative example on $5,000 capital: one $2,499 position = pass (even if the coin moves); BTC $2,500 + ETH $100 = $2,600 (52%) = breach → one strike on Funded. Challenge consequence: breach may lead to disqualification (Article 5.3) and/or rejection or deferral of funded approval (Article 5.8). Funded consequence: each crossing above 50% counts as one strike under Section 5.4.8.

5.4.6 Total aggregate risk (Challenge and Funded): the combined potential loss of all open positions, calculated from active stop-losses, must not exceed 6% of account capital (same capital basis as Section 5.4.5 — starting / funded capital, not floating equity). Positions still inside the 5-minute stop-loss grace window (Section 5.4.2) are excluded from this aggregate until the window expires. Challenge consequence: same as Section 5.4.5 (Articles 5.3 / 5.8). Funded consequence: each crossing above 6% after grace counts as one strike under Section 5.4.8.

5.4.7 Asset correlation: the Company may treat highly correlated assets as a single aggregate exposure for risk-assessment purposes, even when they are formally distinct instruments.

5.4.8 Funded Strike System (Funded Accounts only, including Instant Funded) — instead of immediate account failure for aggregate exposure or aggregate risk breaches, the Company records a “strike” that reduces the effective profit split. This system does not apply during Phase 1 or Phase 2.

5.4.8.a Strike events (only): (i) aggregate exposure crosses above 50% (Section 5.4.5); (ii) aggregate risk crosses above 6% after the stop-loss grace window (Section 5.4.6). Inactivity is not a strike — see Article 8.1.

5.4.8.b Edge-trigger: a strike is recorded when the limit is crossed. No further strike of the same type is recorded while the account remains continuously above that limit. After the account returns to compliance (≤50% exposure or ≤6% aggregate risk), a later fresh crossing may record another strike.

5.4.8.c Profit-split reduction: each strike reduces the effective profit split by 20 percentage points from the account’s then-applicable base split (plan split, or Instant Funded progressive base), floored at 10%. Examples: base 80% → 60% / 40% / 20% / 10%; base 90% → 70% / 50% / 30% / 10%.

5.4.8.d Five or more strikes: the account is not closed automatically. The Trader may continue trading under the reduced split. The Company may close or suspend the Funded Account after review (Article 8.2). Daily loss, maximum drawdown, and inactivity breaches remain immediate fail rules and are outside the strike system.

5.4.8.e Prospective only: strikes apply to breaches occurring after the strike system is active on the Platform; pre-existing open risk that is merely continued is not backdated as historical strikes.

Stop-loss, maximum 2% risk per trade, 50% aggregate exposure, and 6% aggregate risk apply to Challenge (Phase 1 & Phase 2) and to Funded Accounts (including Instant Funded). The strike / profit-split reduction system applies only on Funded Accounts.

ARTICLE 5.5 — PAYOUT CONSISTENCY REQUIREMENT (FUNDED ACCOUNT)

5.5.1 Nature of the rule: the Payout Consistency Requirement is not an account disqualification rule. If a single day represents more than 40% of accumulated cycle profit, the Trader does not lose funded status and the account is not closed — the Trader must simply continue trading until results are distributed more consistently. Once that day’s profit represents 40% or less of total accumulated cycle profit, the account becomes payout-eligible again.

5.5.2 No calendar day may represent more than 40% of gross profit accumulated in the payout cycle (sum of realized PnL between two approved payout requests, or from Funded Account start to first request for the first cycle).

5.5.3 If one day exceeds 40% of the cycle total, the excess is not withdrawable until later trading on other days reduces that day’s share to at most 40% of the new cumulative total.

5.5.4 Per-trade concentration: no individual trade may represent more than 50% of gross profit accumulated in the payout cycle.

5.5.5 Per-asset concentration: no individual asset may represent more than 70% of gross profit accumulated in the payout cycle.

5.5.6 Prolonged circumvention or artificial structuring to evade Sections 5.5.2 through 5.5.5 may be treated as abuse under Article 5.6.

Eligibility rule, not disqualification: does not close the account or revoke funded status; it only conditions withdrawal until consistency is demonstrated.

ARTICLE 5.6 — ABUSIVE TRADING, ALL-IN & RESERVATION OF RIGHTS

5.6.1 Without prejudice to the foregoing, the Company reserves the right to invalidate results and cancel or withhold payment if strategies are detected that do not reflect genuine technical trading skill.

5.6.2 Binding contractual clause:

Legal clause — the Company’s determination under this article is final and binding within the Platform’s evaluation framework, without prejudice to mandatory statutory rights.

"MOJA Funded reserves the right to invalidate results and cancel payment if strategies are detected that do not reflect genuine technical trading skill, including: trades without a stop-loss with exposure exceeding 20% of the balance; martingale or grid strategies without defined risk management; all-in or excessive concentration trades where a single position represents more than 50% of the account balance or implies disproportionate risk; or exploitation of pricing errors. MOJA Funded's decision shall be final and binding within the Platform’s evaluation framework, without prejudice to mandatory statutory rights."

ARTICLE 5.7 — ATYPICAL PROFIT & DEMONSTRATED RISK MANAGEMENT (FUNDED ACCOUNT)

5.7.1 If cycle gross profit exceeds 20% of nominal account capital and the Company determines, upon review, that part of the result does not reflect disciplined risk management (market luck, trades without valid stop-loss, extreme concentration, or other practices under Article 5.6), the Trader must demonstrate that at least profit equal to (gross profit % on capital − 8 percentage points) was earned with management compliant with Articles 5.4 and 5.5 before excess payment proceeds.

5.7.2 Reference formula: minimum valid managed profit (%) = max(0, gross profit % on capital − 8%).

5.7.3 Illustrative examples: 20% gross profit on capital → minimum 12% with valid management (20 − 8 = 12). 40% gross profit → minimum 32% with valid management (40 − 8 = 32).

5.7.4 Until required management is evidenced, the Company may withhold, split, or deny payment per Articles 5.6 and 7.1.1. The decision is final except where mandatory law provides otherwise.

Manual review: this rule is not automated on the platform; the Company applies it when evaluating each payout request.

ARTICLE 5.8 — MANUAL RISK REVIEW BEFORE FUNDED ACCOUNT APPROVAL

5.8.1 Passing Phase 1 and Phase 2 profit targets does not automatically grant immediate right to a Funded Account. The Company may manually review trading activity to confirm results reflect real skill, disciplined risk management, and compliance with the spirit of the program.

5.8.2 The Company may require additional validation trading before approving a Funded Account when it detects excessive risk, abnormal concentration, or results driven mainly by market luck, including: a) repeated use of exposure above 50% of balance per trade; b) profit generated mainly by one or few trades; c) absence of valid stop-loss; d) excessive concentration in one asset, day, or move; e) all-in, hold-and-hope, martingale, or aggressive recovery behavior; f) any pattern that does not demonstrate professional risk management.

5.8.3 The Company may require a validation period with specific conditions (minimum additional profit, valid trading days, max risk per trade, max exposure, consistency, mandatory stop-loss).

5.8.4 During this review the account remains in “Pending Risk Review” or equivalent status. The Company may approve, defer, restrict, or reject funded approval if the Trader does not demonstrate adequate management.

5.8.5 This review does not penalize earning profit; it ensures the Funded Account is granted only to traders who demonstrate skill, discipline, and risk control.

ARTICLE 6 — EVALUATION FEE

6.1 The evaluation fee is the price for the service you purchase when buying a Challenge: access to the simulated trading platform, rule enforcement, and review. It is not a deposit, investment, or profit guarantee.

6.2 The fee is paid once per evaluation cycle purchased. There is no “100% refund” promotion or automatic return of the fee for passing the phases.

6.3 Once the evaluation account is activated by opening the first trade (or trading is otherwise started as recorded by the Platform), the fee is non-refundable under Article 6.5(b), except where mandatory law requires otherwise.

6.4 If you do not pass the Challenge, are disqualified, or do not start trading within the period stated in these Terms, you are not entitled to return of the fee (subject to Article 6.5 where the statutory withdrawal window still applies and no trade has been opened).

6.5 Right of withdrawal (14 calendar days — performance exception): Where mandatory consumer law grants a right of withdrawal (including under Directive 2011/83/EU and implementing national rules), you may withdraw from the purchase of the Evaluation Fee within fourteen (14) calendar days of the purchase date, without giving any reason, by contacting support and requesting cancellation and refund by the same payment method where possible. By purchasing, you expressly request that performance of the evaluation service begin immediately. Accordingly: (a) if you have not opened any trade on the Evaluation Account or Instant Funded account (as applicable) during that 14-day period, you may exercise the right of withdrawal and obtain a full refund of the fee paid; (b) upon opening the first trade (or otherwise commencing trading as recorded by the Platform), the service is deemed begun / performed with your prior express consent, and you lose the right of withdrawal for that purchase under applicable consumer law (including exceptions for services begun or fully performed with prior express consent). This clause is without prejudice to any mandatory rights that cannot lawfully be waived.

ARTICLE 7 — REWARDS & PAYOUTS

Rewards are commercial compensation calculated by reference to Funded Account performance and, where applicable, related results of Company Signal Mirroring. They are not withdrawals from a personal live brokerage account of the Trader, nor distributions of customer or investor funds held by MOJA. Payment is made in accepted crypto subject to the rules below.

• 7.1 First payout and payout intervals: the first reward withdrawal may be requested only after 21 calendar days have elapsed since Funded Account activation (funded_at). Thereafter, a new reward withdrawal may not be requested until 14 calendar days have elapsed since settlement of the prior payout (on-chain credit or internal confirmation). After a payout request is approved, the Trader typically receives payment within 1 hour and in any event within 24 hours, unless force majeure or a temporary compliance / fraud review under Section 7.1.1 applies. These intervals apply to Challenge-funded accounts and Instant Funded accounts alike.
• 7.1.1 Fraud and compliance review: the Company may temporarily withhold a payout request while conducting risk, compliance, or suspicious-activity reviews.
• 7.2 Maximum payout per cycle: to ensure operational stability and program sustainability, each payout request is subject to a maximum payout per cycle based on the funded account type.

If the approved reward exceeds the applicable cycle limit, the excess amount will not be forfeited and will roll over to future payout cycles, provided the account continues to comply with program rules.

Example: if a Trader on a $50,000 account earns an approved reward of $4,000, they will receive up to $2,500 in the current cycle and the remaining $1,500 will be available in future payout cycles.

• 7.3 KYC before first payout: mandatory as per Article 3.
• 7.4 Crypto only: USDT (TRC20), USDC (BSC), Bitcoin (BTC). No bank transfer or PayPal.
• 7.5 Minimum withdrawal: $50 USD.
• 7.6 Taxes: Trader’s sole responsibility.
• 7.7 Trading quality review before payout: before approving any payout, the Company may review trading quality for the cycle. Even if the account is in profit, payout may be deferred, reduced, split, or denied if profits come from trades that do not reflect clean risk management (excessive exposure, abnormal concentration, missing stop-loss, all-in, martingale, aggressive recovery, or other practices contrary to the spirit of the program). The Company may require additional trading until disciplined management is demonstrated per these Terms.

ARTICLE 8 — SUSPENSION & TERMINATION

• 8.1 Funded Account inactivity (immediate fail): if for 30 consecutive calendar days there is no opened trade on the Funded Account (counting from funded start or the last opened trade), the Funded Account is closed / failed. This is not a strike under Article 5.4.8.
• 8.2 Strike limit and manual closure: when a Funded Account reaches five or more strikes under Article 5.4.8 (aggregate exposure and/or aggregate risk only), the Trader may continue trading under the reduced profit split. The Company may thereafter close or suspend the Funded Account after review, without automatic reinstatement and without obligation to pay rewards not accrued under the rules.
• 8.3 Immediate failure (not strikes): daily loss, maximum drawdown, and Funded inactivity (Article 8.1) close the account immediately under the applicable rules. Challenge breaches of mandatory stop-loss, maximum 2% risk per trade, 50% aggregate exposure, or 6% aggregate risk may lead to disqualification under Article 5.3.
• 8.4 Other termination causes: false data, abuse, illegal activity, KYC failure — with effects including non-return of evaluation fee, reward cancellation, and possible permanent ban where applicable.

ARTICLES 9–11 — LIABILITY, IP, CHANGES

Liability capped at evaluation fee paid. IP owned by the Company. Terms may change with 15 days notice.

ARTICLE 12 — BINDING LANGUAGE

12.1 These Terms are drafted in English. Any translation provided (including any unofficial translation of the website, support messages, marketing materials, or platform interface) is for convenience only.

12.2 In the event of any conflict or inconsistency between the English version of these Terms and any translation, the English version shall prevail.

12.3 By using the Services, you confirm that you understand the English language sufficiently to read and accept these Terms, or that you have obtained independent advice or translation at your own cost before accepting them.

ARTICLE 13 — GOVERNING LAW AND JURISDICTION

13.1 These Terms are governed by and construed in accordance with the laws of England & Wales, without regard to conflict-of-law rules that would refer the matter to another jurisdiction.

13.2 Subject to Article 13.3, the courts of England & Wales shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, their interpretation, or their performance.

13.3 Professional traders (Article 1.2): Users who register to opt into commercial Rewards under Article 2 acknowledge that they contract in a professional / independent-trader capacity and agree that the exclusive jurisdiction of the courts of England & Wales is binding for disputes relating to the Services, Rewards, and Funded program. Consumers (where mandatory law so classifies the User despite Article 1.2): nothing in this Article deprives you of any mandatory right to bring proceedings in the courts of your country of residence, or of any other non-waivable consumer protection, that cannot lawfully be excluded by agreement.

ARTICLE 14 — CONTACT

• Email: support@mojafunded.com
• Web: https://mojafunded.com