TERMS AND CONDITIONS OF USE

ARTICLE 1 — DEFINITIONS

• "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 evaluation process.
• "Evaluation Account" / "Funded Account": simulated capital accounts.
• "Evaluation Fee": one-time payment for access.
• "Reward": share of simulated profits as commercial compensation.

ARTICLE 2 — NATURE OF SERVICE

We provide skill evaluation only — not brokerage, fund management, regulated advice, or custody of real user funds.

All capital is virtual. Rewards are commercial compensation, not investment returns.

• ❌Securities or crypto broker
• ❌Collective investment scheme
• ❌Regulated financial advice
• ❌Managing users’ real money

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 (e.g. $50,000 → max. $2,500/day).

4.4 Maximum loss: 10% of initial capital (e.g. $50,000 → minimum $45,000).

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.

ARTICLE 5.1 — PROHIBITED PRACTICES

• ❌Bots, Expert Advisors (EAs), automated scripts, third-party algorithms
• ❌Automated copy trading of external signals
• ❌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 — PER-TRADE RISK LIMIT & STOP-LOSS

5.4.1 Scope: the stop-loss requirement in Section 5.4.2 applies to all accounts — Phase 1, Phase 2, validation periods, and the Funded Account — as also stated in Article 4.6. Sections 5.4.3 through 5.4.7 (per-trade risk, exposure, and aggregate limits) apply to the Funded Account for the entire reward-eligibility period.

5.4.2 Stop-loss required: 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: 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 is invalid for reward purposes and the Company may adjust or void attributable PnL.

5.4.4 The Company may reject or invalidate payout requests based on trades breaching Sections 5.4.2 through 5.4.7, without prejudice to other remedies.

5.4.5 Maximum aggregate exposure (open capital limit): you may not have open, at the same time, more than 50% of the account’s capital (current balance). In other words: the sum of the notional value of all simultaneously open positions must not exceed 50% of the current balance. This limit is always measured against account capital/balance (not against “the portion already open” and not against margin). Illustrative example on a $10,000 balance: one $4,500 position = pass; BTC $2,500 + ETH $1,500 = pass; BTC $1,000 + ADA $3,000 + XRP $400 = pass; BTC $2,500 + ETH $2,500 + ADA $500 = $5,500 (55%) = fail. The Company may review higher exposures where they imply excessive risk concentration.

5.4.6 Total aggregate risk: the combined potential loss of all open positions, calculated from active stop-losses, must not exceed 6% of account balance.

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.

Mandatory: without written rules, the Company cannot fairly reject all-in style claims or atypical profit spikes.

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 except where mandatory law provides otherwise.

"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 non-appealable."

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 (first trade opened or trading started per the Platform), the fee is non-refundable except as stated in 6.5 or where mandatory law requires.

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.

6.5 Right of withdrawal (before trading only): within 24 hours of purchase, if you have not opened any trade, you may request via support cancellation of the service and return of the fee paid, by the same payment method where possible.

ARTICLE 7 — REWARDS & PAYOUTS

• 7.1 Minimum interval between payouts (14 days): 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). Processing after each approved request remains 5–10 business days unless force majeure.
• 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

• Causes: rule breaches, false data, abuse, illegal activity, KYC failure.
• Effects: evaluation fee will not be returned, reward cancellation, possible permanent ban.
• 8.1 Funded Account inactivity: if for 30 consecutive calendar days there is no opened and closed trade (or equivalent validated activity), the Company may close or suspend the Funded Account without automatic reinstatement and without obligation to pay rewards not accrued under the rules.

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 Spain.

13.2 Any dispute arising from their interpretation or performance shall be submitted to the courts of Madrid, except where mandatory law in the User’s country provides otherwise.

ARTICLE 14 — CONTACT

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