Terms of Service

Last updated: 14 April 2026

1. Acceptance of Terms

By accessing or using the Polar Funded platform, website, or services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use our services. These Terms apply to all users, including visitors, registered users, challenge participants, and funded traders.

Polar Funded reserves the right to amend these Terms at any time. Continued use of the services after changes constitutes acceptance of the amended Terms. We will provide reasonable notice of material changes via email or through our website.

2. Nature of Services

Polar Funded provides simulated trading evaluation services. All challenge accounts and funded accounts operate in a demo environment. No real capital is deployed on behalf of traders during evaluation or funded trading. Profits and losses on simulated accounts do not reflect real market gains or losses.

Polar Funded is not a broker, investment advisor, or regulated financial entity. We do not provide investment advice. Trading in financial markets involves substantial risk of loss and is not suitable for all individuals.

3. Eligibility

To use Polar Funded services, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction)
• Not be a resident of a jurisdiction where such services are prohibited
• Provide accurate and complete registration information
• Not have a history of account abuse or violation with Polar Funded or affiliated services

Polar Funded reserves the right to refuse service to anyone for any reason at any time.

4. Challenge Rules & Evaluation

Each challenge type (1-Step, 2-Step, 3-Step, Instant Funding) has specific rules disclosed at the time of purchase. These rules include profit targets, daily drawdown limits, maximum drawdown limits, and minimum trading days. You are responsible for reading and understanding all applicable rules before purchasing.

• Rules are fixed at the time of purchase and cannot be changed during an active challenge
• Breaching any rule results in automatic termination of the account
• There is no waiting period to repurchase a challenge after failure
• Past challenges or failures do not affect eligibility for future purchases

5. Funded Account Terms

Upon passing evaluation, traders receive access to a simulated funded account subject to the Funded Trader Agreement provided at that time. Key funded account terms include:

• Funded accounts operate on simulated capital; no real funds are at risk
• Profit split percentages are as disclosed at time of challenge purchase
• Scaling plans are at Polar Funded’s discretion based on consistent performance
• Maximum scaling cap is $400,000 across all accounts

6. Payout Policy

Eligible traders may request payouts in accordance with the payout rules applicable to their account type. Polar Funded reserves the right to:

• Request identity verification (KYC) before processing any payout
• Withhold or delay payouts pending review of trading activity
• Deny payouts if trading activity is deemed to be in breach of account rules, exploitative, or in bad faith
• Modify payout structures, percentages, and schedules at any time
• Set minimum payout thresholds at our discretion
• Require all open positions to be closed before processing a payout

Payouts are made at Polar Funded’s sole discretion. The existence of a profit on a simulated account does not guarantee or entitle a user to any payout. Payout eligibility requires: account balance above initial balance, no rule violations, compliance with all trading parameters, completion of minimum trading day requirements, and successful KYC verification.

Challenge fees are refunded on your first payout upon successfully passing the evaluation. The refund is applied as a credit against the payout amount and is void if the account is breached before the first payout.

7. Prohibited Conduct

The following activities are strictly prohibited and will result in immediate account termination without refund:

• Tick scalping strategies that exploit latency, platform errors, or data feed issues
• Use of third-party signal services that violate our terms
• Coordinated trading across multiple accounts to manipulate results
• Account sharing, selling, or transferring to third parties
• Providing false or misleading information during registration
• Any form of cheating, exploitation, or manipulation of the evaluation system

8. Fees & Refunds

Challenge fees are non-refundable after purchase, except as described in our fee refund policy (100% refunded on first funded account payout). Fees are priced in USD and processed through our payment provider (WooCommerce). Polar Funded is not responsible for currency conversion fees charged by your bank or payment provider.

9. Chargebacks

You expressly agree not to initiate any chargeback, payment dispute, or reversal of payment made to Polar Funded through any payment channel without first contacting Polar Funded at legal@polarfunded.com and allowing a minimum of 14 business days for resolution.

If you initiate a chargeback or payment dispute without prior written authorization from Polar Funded:

• All accounts you hold with Polar Funded shall be immediately suspended
• All pending and future payout requests shall be permanently forfeited
• Polar Funded reserves the right to recover from you any and all amounts previously paid to you, including but not limited to all profit split payments, bonuses, and fee refunds
• You shall be liable for all costs incurred by Polar Funded in defending such chargeback or dispute, including legal fees, administrative fees, and payment processor fees, regardless of whether the chargeback succeeds
• Your account(s) will be permanently terminated and you will be permanently banned from all Polar Funded services
• Polar Funded reserves the right to pursue legal action to recover all amounts owed

10. Account Monitoring & Enforcement

You acknowledge and agree that:

• All trading activity on your account is monitored in real time by Polar Funded
• We track all metrics including P&L, drawdown, trade frequency, lot sizes, IP addresses, and device fingerprints
• Breach of any account rule may result in immediate account termination without notice or refund
• Polar Funded is the sole arbiter of whether a rule breach has occurred
• Our determination is final and binding

11. Account Termination

Polar Funded reserves the right to suspend, restrict, or permanently terminate any account at any time, with or without notice, for any reason including but not limited to:

• Breach of any account rule or these Terms
• Suspected fraudulent, abusive, or bad-faith activity
• Chargebacks or payment disputes
• Failure to complete KYC verification
• Any conduct Polar Funded deems harmful to the platform or other users
• Coordinated activity with other traders to exploit the platform

No refund will be issued upon account termination regardless of the reason. Any pending payouts at the time of termination are forfeited.

12. Intellectual Property

All content on the Polar Funded website and platform, including but not limited to text, graphics, logos, and software, is the property of Polar Funded and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

13. Indemnification

You agree to indemnify, defend, and hold harmless Polar Funded and its officers, directors, employees, agents, and third-party service providers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Services
• Your breach of these Terms
• Your violation of any applicable law or third-party rights
• Any false or misleading information you provide to us
• Any chargeback or payment dispute you initiate

Polar Funded reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

14. Limitation of Liability

To the maximum extent permitted by law, Polar Funded shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability to you for any claim shall not exceed the amount paid by you for the applicable challenge fee.

15. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POLAR FUNDED DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that:

• The platform will be uninterrupted, error-free, or secure at all times
• Any data or results displayed are accurate, complete, or up to date
• The Services will meet your individual requirements or expectations
• Any defects or errors will be corrected within any particular timeframe
• MT5 server performance, price feeds, or execution quality will meet any particular standard

16. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Services shall first be attempted to be resolved through good-faith negotiation by contacting us at legal@polarfunded.com. You must provide written notice of any dispute and allow 30 days for resolution before initiating any formal proceedings.

If a dispute cannot be resolved informally within 30 days, both parties agree to submit to final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall be conducted as follows:

• There shall be a panel of one (1) arbitrator
• The place of arbitration shall be Cheyenne, Wyoming, United States
• The arbitration shall be conducted in English
• The arbitrator’s award shall be final and binding, and judgment may be entered upon it in any court of competent jurisdiction
• Each party shall bear its own costs of arbitration, unless the arbitrator determines otherwise

17. Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU AND POLAR FUNDED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING BUT NOT LIMITED TO A PRIVATE ATTORNEY GENERAL ACTION.

If this provision is found to be unenforceable, then the entirety of this Class Action Waiver and the Dispute Resolution provisions shall be null and void.

18. Force Majeure

Polar Funded shall not be liable for any failure or delay in performing its obligations under these Terms caused by events beyond its reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, civil unrest, government actions, sanctions, embargoes, pandemics, epidemics, power outages, internet or telecommunications failures, third-party service provider failures (including MT5 servers, payment processors, and hosting providers), cyberattacks, and any other force majeure events.

19. Assignment

You may not assign or transfer your rights or obligations under these Terms to any third party without the prior written consent of Polar Funded. Polar Funded may assign its rights and obligations under these Terms at any time without notice, including in connection with a merger, acquisition, sale of assets, or by operation of law.

20. Waiver

No failure or delay by Polar Funded in exercising any right, power, or privilege under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right preclude further exercise of that or any other right. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term.

21. Survivability

The following provisions shall survive the termination of these Terms or your account: Chargebacks, Indemnification, Limitation of Liability, Disclaimer of Warranties, Governing Law & Dispute Resolution, Class Action Waiver, and any other provisions that by their nature should survive termination.

22. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

23. Interpretation

These Terms shall be deemed to have been drafted by both parties. The terms and conditions of this agreement shall not be interpreted against Polar Funded as the drafter. Any ambiguities shall not be construed against either party.

24. Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, Risk Disclosure, and any account-specific rules published on our website, constitute the entire agreement between you and Polar Funded with respect to your use of the Services and supersede all prior agreements, understandings, and representations.

25. Modifications to Terms

Polar Funded reserves the right to modify these Terms at any time. Updated Terms will be posted at polarfunded.com/terms with a revised effective date. Your continued use of the Services following any modification constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically.

26. Contact

For questions about these Terms, please contact us at legal@polarfunded.com or through our contact page.