General Terms and Conditions of Service

(hereinafter referred to as "T&Cs")

These Terms and Conditions (hereinafter referred to as "T&Cs") regulate the rights and obligations associated with the use of the services provided by My Funding Account P.S.A. (hereinafter referred to as the "Services"), offered via the website https://mfatraders.com (hereinafter referred to as the "Website", the "Service"). Please read the following T&Cs with due diligence. Acceptance of the T&Cs is voluntary, but necessary for the use of the services of https://mfatraders.com. By accepting the T&Cs you confirm that you fully understand them and agree to be bound by them.

Definitions

Client - a person of legal age, residing in the Provider's area of operation, using one or more of the Services of the Website, acting on his/her own behalf or on behalf of an entity (legal entity) pursuant to an authorization.

Provider - the owner of the Service, My Funding Account P.S.A., Al. Wojciecha Korfantego 138A, 40-156 Katowice, Poland. KRS: 0001023771, NIP: 6343021306, REGON: 524681980.

Provider contact details: E-mail address support@mfatraders.com.

Service - all Content and functionality available at https://mfatraders.com.

Services - one or more functionalities of the Website. The Provider, as part of the Service, provides Digital Services.

Consumer - a client who is a natural person making a legal transaction not directly related to his/her economic or professional activity.

Entrepreneur on the rights of a consumer - an entrepreneur making a legal transaction not related to his/her professional activity, a natural person concluding a contract directly related to his/her business activity, when the content of this contract shows that it is not of a professional nature for this person, resulting in particular from the subject of his/her business activity, made available on the basis of the provisions of the Central Register and Information on Business Activity.

Client Section - the user interface located on the Website through which the Client is given access to certain functionalities of the Website.

MFA Challenge, Verification, MFA Trader - trading accounts associated with trading education courses provided as part of the Services by the Provider.

Prohibited Commercial Practices - commercial practices strictly and absolutely prohibited when using the Services provided by the Provider. These are Acts or Omissions of the Client in connection with the use of the Service, which are further described in Chapter VII of the following T&Cs, and in particular are those which:

1. are in breach of the applicable legislation,
2. violate these T&Cs,
3. circumvent, manipulate or attempt to circumvent the rules of the Service,
4. jeopardise the security of the Provider's systems or the stability of the provision of services on the Website,
5. infringe the rights or interests of third parties,
6. aim at gaining advantage in a manner contrary to the purpose of the Service or the principles of fair use of the Service,
7. may lead to damage to the Provider or other Clients.
8. objectively violate the rules of use, security or reliability of the Website.

Transaction Platform - an electronic interface provided by a third party on which the Client carries out simulated transactions.

Funded Capital Bonus – additional simulation capital granted to the Client after being admitted to the MFA Trader program, increasing the initial capital of the demo account in accordance with the rules set out in Appendix No. 2 to these Regulations

Profit Split – the Client's percentage share in the profit generated on the demo account in the MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE program - second phase - funded, constituting the basis for calculating the Reward in accordance with the rules set out in Appendix No. 2 to these Regulations

Capital Scaling – a mechanism for increasing the capital of a demo account in the MFA Trader program, granted to the Client after meeting the conditions specified in Annex 2 to these Regulations.

ONE-STEP Challenge – a service for assessing the Client's trading skills, which involves completing a single test trading phase on a demo account. After meeting the conditions specified in the Terms and Conditions, the Client may be admitted to the funded trading phase under the terms and conditions applicable to ONE-STEP Challenge accounts.

I. Preliminary provisions

1.1. These T&Cs regulate the rights and obligations in connection with the use of the Services provided by the Website.

1.2. The following Services are provided as part of the Service:

1.2.1. viewing the content of the Website;

1.2.2. making contact with the Provider via the form;

1.2.3. registration on the Website - creation of a Client Section;

1.2.4. use of the Services after registering with the Service: Free Trial Period, MFA Challenge, Verification, MFA Trader, use of the Trading Platform, MFA Instant, MFA ONE-STEP CHALLENGE.

1.3. In order to use the Service, it is necessary for the Client to have appropriate computer equipment along with software, including third-party software (e.g. software for using the Trading Platform). The Service requires access to the Internet and is accessible from public, standard web browsers.

1.4. The Provider does not charge additional fees for an Internet connection or for forms of direct contact with the Provider.

1.5. The Contract with the Provider, depending on the type of Services used by the Client, is concluded at the time of the first use of the Website or when the Provider confirms receipt of the registration form or order form.

1.6. The Client may be a person who is over 18 years of age, residing in the country for which the Services are available (acting as a consumer or entrepreneur with consumer rights) or a legal person (entrepreneur) registered in the country for which the Services are available and operating in one or more countries for which the Services are available. The Client may not be a natural or legal person residing or having its registered office in one of the States referred to in Annex 3 to these General Terms and Conditions.

1.7. By registering on the Website, the Client confirms that he/she is at least 18 years of age and has full legal capacity and, in the case of a legal entity, that he/she will only authorize persons of full legal capacity to act on his/her own behalf.

1.8. The Client is obliged to use the Services only from one of the countries for which the Services are available. The Client undertakes to access and use the Services in accordance with the applicable legislation.

1.9. The Provider shall not provide Services to a Client who:

1.9.1. has citizenship or resides in countries for which the provision of the Services is excluded;

1.9.2. has its registered office, branch or place of business in countries for which the provision of the Services is excluded;

1.9.3. is subject to applicable international sanctions;

1.9.4. will be negatively verified in relation to AML regulations.

1.10. The Provider reserves the right to refuse, limit or terminate the provision of the Services to the Client if the provision of the Services, violates in any way the provisions of national or international law, or violates these Terms and Conditions. In particular, this applies to the Trading Platform Service and the Client Section.

1.11. The Provider provides Services consisting of the provision of tools for simulated currency trading on FOREX or simulated trading of other instruments on other financial markets, the provision of analytical tools, the provision of training and educational materials, the creation of and access to the Client Section and other support services, in particular through the Client Section or by providing access to applications provided by the Provider. The Provider can also act as an intermediary to access applications created by third parties.

1.12. The Provider informs that simulated trading involves the use of financial market information, whereby the transactions carried out by the Client are not real. The Client is provided with a pool of funds determined by the Provider for the purpose of carrying out simulated trading activities as part of the Service's activities. The Client shall not be entitled to transfer these funds to another platform, to use them outside the Service or to withdraw the funds.

1.13. The client does not receive remuneration for the result achieved in the simulated trade, as well as commission on profits. The Client shall not be obliged to cover any losses incurred as a result of his/her actions in the course of simulated trading activities via the Service.

1.14. The Provider does not provide investment services, as defined by law, as part of the Service. The Provider does not provide tips, instructions or information on how to execute transactions when using the Service or information on investment tools, nor does it accept such tips from Clients. The Services do not constitute investment advice or recommendations. The Provider has not authorised any of its representatives, employees or staff members to give investment advice and prohibits such advice from being given on its behalf. In the event that any of the statements made by the Provider's representatives, employees and staff shall be construed as investment advice or recommendation, such persons shall be personally liable for such actions and shall not then act on behalf of the Provider, but for their own account.

1.15. The services provided by the Provider shall not consist of the provision of services for the execution of orders for the purchase or sale of property rights and securities or the maintenance of cash, investment or similar accounts.

1.16. The Provider is not an investment firm or brokerage house and does not offer access to any financial instruments, in particular the conclusion of CFDs.

1.17. The provider does not provide investment advice or other similar tips. All content published on the Website is not a signal of investment or is not intended to undertake investment activities in real time.

1.18. The Provider is not a news agency and is thus not responsible for the truthfulness and reliability of the data published on the Trading Platform.

1.19. All data published on the Trading Platform such as financial instrument prices, reports and statements are sourced from external providers and the Provider has no influence on their content or frequency of publication, in particular delays in their publication.

1.20. The Provider shall only provide Prop-Trading services on the basis of these GTCs.

1.21. By reading these T&Cs, you acknowledge that by using the services of the Provider you do not conclude transactions in real financial instruments and that you do not acquire any property claims against the Provider or other financial market participants for transactions concluded on the Trading Platform, in particular such as dividends or other benefits related to the conclusion of transactions in real financial instruments.

1.22. All benefits of the Provider to the Clients are expressly indicated in these GTCs. In particular, it is not possible within the Service to place orders, conclude transactions or redirect the Client to brokers for the execution of transactions.

1.23. The Provider does not accept cash deposits from the Clients, and any fees borne by the Clients under these T&Cs are paid to the Provider as remuneration for the services provided by the Provider.

1.24. The Provider is not responsible for any investment, financial or business decisions made by the Client on the basis of information obtained on or off the Service. The Client undertakes these decisions exclusively at their own risk. The Client is aware that the financial markets involve a high degree of risk and that decisions based on information available on the Service may lead to losses.

II. Use of the Website, Services and other content

2.1. The Website and all Services, including the Client Section, their appearance and functionality, published content, source information are protected by copyright, which is the copyright of the Provider or entities with which the Provider has concluded license Contracts. The Client may only use the Website for personal use as part of the Services provided by the Website.

2.2. All trademarks, logos, trade names and other designations are the property of the Provider or the Provider's licensors, and the Provider does not grant rights to use them outside of the Service and the functionalities listed in these T&Cs.

2.3. Both the Client and the Provider undertake to act in accordance with the principles of fair conduct in the performance of the contract and in mutual negotiations and in particular not to damage the good reputation and legitimate interests of the other party. The Client and the Provider shall resolve any possible disagreementss or disputes between them in accordance with these T&Cs and applicable law.

2.4. When using the Service, it is prohibited to:

2.4.1. use any tool that may adversely affect the operation of the Website and Services or that would seek to exploit errors, malfunctions or other inadequacies of the Website and Services;

2.4.2. take steps to circumvent geographical accessibility restrictions or other technical restrictions;

2.4.3. make copies or backups of the Website and any content;

2.4.4. reverse engineer, decompile, disassemble or otherwise modify the Website;

2.4.5. use automated means to view, display or collect information available through the Website or Services;

2.4.6. use any other tool or means, the use of which could cause any damage to the Provider.

2.5. The provisions of the T&Cs provisions are not intended to deprive the Client of its consumer rights, which under the law cannot be excluded under any circumstances.

2.6. Entrepreneurs using the Service are not entitled to warranty rights. The Provider shall not be liable to the Entrepreneur for any damages, including lost profits, loss of data, personal injury or property damage arising from the use of the services or consisting of the use of any tool, functionality, information or other content available in connection with the use of the services or elsewhere on the website. The Provider is not responsible for third-party products, services, applications or other content that the Client uses in connection with the Services. If, despite the provision referred to in the preceding sentence, the Provider's liability is established in connection with the operation of the website or the provision of services, the liability towards the Trader will be limited to an amount corresponding to the fee paid by the Client for the services in connection with which the Client suffered a loss.

2.7. The Provider reserves the right to modify, change, replace, add or remove any elements and features of the Services at any time. If the change materially and adversely affects the access or use of the digital content or digital service by the Consumer or Entrepreneur with the rights of the Consumer, the Provider is obliged to inform the Consumer or Entrepreneur with the rights of the Consumer sufficiently in advance on a durable medium of the characteristics and the date of the change. The Consumer may terminate the contract without notice within 30 days from the date of the change referred to above, or notification of that change if notification is later than the change. The entitlement does not apply if the Provider has provided the Consumer or Entrepreneur in right of the Consumer with the entitlement to keep, at no additional cost, the digital content or digital service in conformity with the contract in an unaltered state.

2.8. The Provider shall not be liable for defects in the Services or the inoperability of the Service if this occurs as a result of force majeure beyond the Provider's control, in the event of any global crisis, natural disaster, war, insurrection, pandemic, or other events of a similar nature, and if the Provider is unable to provide the Services as a result of obligations imposed by law or decision of the competent authorities.

2.9. All communication from the Provider or its partners in connection with the provision of the Services will take place via the Client Section or the email address provided by the Client.

III. Provisions regarding registration for the Service

3.1. Some of the Services provided by the Provider require registration on the Website, i.e. the creation of a Client Section.

3.2. The Client can make a request for registration by filling in the form available at https://mfatraders.com.

3.3. Upon receipt of the form, the Provider immediately proceeds to verify the Client. Verification may involve, among other things, the provision of personal data of the Client such as identity card, residential address, documents confirming tax residency, biometric data in terms of image for comparison with the data from the identity card After successful and positive verification, the Client will receive login details for the Client Section and/or the Trading Platform at the e-mail address provided.

3.4. The Client is obliged to provide truthful data on the registration form. At each stage of the relationship with the Provider, the Client is obliged to provide truthful data, including being obliged to immediately notify any change to its data and update it in the Client Section. The Client is responsible for ensuring that all data provided is accurate and up-to-date; the Provider is entitled, but not obliged, to verify the data.

3.5. The Client is obliged to indicate on the registration form whether he/she is an Entrepreneur or a Consumer or an Entrepreneur with Consumer Rights. If the Client indicates in the registration form that he/she is an Entrepreneur, the provisions of these Terms and Conditions concerning Consumers shall not apply.

3.6. As part of the Client Services, the Provider allows the use of: Free Trial Period, MFA Challenge, MFA Trader, MFA Instant, MFA ONE STEP CHALLENGE. These products may vary in terms of the scope of the Services provided depending on the time of registration and the Provider's current offer available at https://mfatraders.com (e.g. through the available analytical tools for the Client). With a Free Trial Period, the Client may use certain Services to a limited extent and for a limited time free of charge. Completion of the Free Trial Period does not entitle the Client to access any other Services.

3.7. A Client who is registered with the Service is given access to the MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE order form.

3.8. There is a fee to use the MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE service. The fee applies to access to the order form as well as to the Services provided as part of the MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE and is calculated based on the option selected by the Client on the MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE order form to use the Service, the degree of acceptable risk selected by the Client, the parameters that must be met for the conditions of the MFA Challenge and subsequent Verification, MFA Instant or MFA ONE-STEP CHALLENGE to be satisfied, and the detailed configurations made on the order form. The Client estimates the fee before selecting the Service. By making the payment, the client confirms that he/she has been informed about the fee calculation and accepts the price. Additionally, the Client, by making the payment, demands immediate performance and delivery of the digital service and acknowledges that, as soon as the digital service is accessed, the right of withdrawal will be lost.

3.9. Information on all fees can be found on the website at https://mfatraders.com/#price.

3.10. The Provider admits the possibility of granting discounts, rebates, organizing temporary promotions. The Provider reserves the right to provide the Services also on terms and conditions individually agreed in the negotiation process, which is possible by e-mail contact with the Provider. Individual discounts and other benefits may not be combined, unless otherwise expressly agreed by the Provider.

3.11. If the Provider remains technically ready to provide the Services and the Client does not use the Services for reasons attributable to the Client, the Client shall not be entitled to a refund of the fees paid, except for guarantees under consumer legislation. This means that the Client who resigns from the Client Section, fails to complete the MFA Challenge or any other Service on the Website, for reasons attributable to them, is not entitled to claim a refund.

3.12. If the Client submits a payment-related complaint to the Provider, bank or payment service provider (e.g. through chargeback services, dispute services, or other similar services), based on which the Client will request the cancellation, cancellation or refund of the payment or part thereof, the Provider is entitled, to suspend the use of the Services until the complaint is resolved. The submission of unsubstantiated payment complaints may result in the temporary or total blocking of the provision of Services to a specific Client if the Provider assesses the Client's actions as infringing practices of a fraudulent nature.

3.13. The Client selecting the MFA Challenge options on the order form, declares the choice for the first and each subsequent phase of the MFA Challenge. The next Verification will be initiated with the same parameters and currency selected in the first order form submitted by the Client. Changing the parameters is considered as taking part in another MFA Challenge and requires another order and payment.

3.14. A Client submitting an order form will receive an email with information on the conditions necessary to complete the various phases of the MFA Challenge and gain access to Verification.

3.15. The Provider reserves the right to change the fees and parameters of the Services at any time, including the parameters for successful termination. The change does not apply to Services purchased prior to notification of the change. Notification of the change will be made by sending an e-mail to the Client at least 7 days before the planned change. For Clients who purchase Services (not in the process of using the Service), the price list and offer available on https://mfatraders.com or in the Client Section on the day of ordering shall apply.

3.16. Any data entered on the order form can be checked, corrected and modified until a binding order for the Services is placed. The ordering of the selected Services is carried out by submitting an order form, after the Client has accepted the T&C, the Privacy Policy and accepted the price calculation. The Provider will immediately confirm receipt of the order to the e-mail address provided by the Client. In the case of a Free Trial Period, the order is completed upon delivery of the confirmation to the e-mail address, as a result of which the contract is concluded.

3.17. In case of Paid Services, including MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE, the order is completed once payment has been made for the selected option. The Client is granted access to the Services once payment has been credited to the Provider's account.

3.18. As part of the Service, the Client has the option to use the Transaction Platforms of other providers. Each Trading Platform has its own terms of service and privacy policy. The Client is obliged to read and accept these documents before submitting the order form.

3.19. A potentially harmful activity is considered to be the placing of multiple orders by the Client in a short period of time (in a non-standard number, significantly different from the number allowing the use of the services as intended by the Service), which may overload the system or indicate an abuse of the Service's functionality. In the event that such an action is detected, the Provider may address a notice to the Client via the Client Section or by e-mail, requesting that the action cease. If the Client continues to engage in activities that disrupt the operation of the Service or violate the Terms and Conditions despite notification, the Provider may temporarily restrict the ability to place further orders to the extent necessary to ensure the security and stability of the Service. If an identified action by the Client may constitute an element of Prohibited Business Practices, the Provider shall take the action provided for in these GTCs, having first informed the Client of the basis for such action.

IV. Terms of payment

4.1. The fee amounts for the MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE options are in US dollars (USD). The fee can also be paid in other currencies offered by the payment intermediary of the Client's choice, from those available on the Website. If the Client wishes to pay in a different currency, the amount of the fee for the selected MFA Challenge, MFA Instant and MFA ONE STEP CHALLENGE option will be converted according to the exchange rates adopted by the system of the respective payment intermediary, the Client's bank, which are visible to the Client at the time of payment.

4.2. The fees for the Services are all presented as gross prices.

4.3. The Client is obliged to fulfil all its tax obligations relating to the use of the Services in accordance with applicable law.

4.4. On the Website, it is possible to make payments by payment card and, in addition, by other means of payment, visible and available at the time of ordering on the Website.

4.5. In the case of payment by credit card or any other express payment method, payment must be made immediately, together with submission of the order form.

4.6. If payment by bank transfer is available on the Website, the Client will be provided in the Client Section with the details for making a bank transfer to My Funding Account P.S.A. The fee is considered paid when the amount is credited to the Provider's account.

4.7. The Client shall be liable for any fees charged to the Client by the selected payment service provider (in accordance with the applicable price list of the payment service provider) in connection with the transaction.

V. Client Section and Transaction Platform

5.1. Only one Client Section is allowed per person or per entrepreneur and all Client Services must be maintained in the Client Section.

5.2. The Client is able to access the Client Section and the Trading Platform after entering an individual login and password. The Client is obliged to protect their password. It is forbidden to use one Client Section by more than one person, share your login and password, unless the Client Section has been established by an Entrepreneur who is a legal person.

5.3. The total number of MFA Challenge, MFA Trader, MFA Instant and MFA ONE STEP CHALLENGE accounts per Client Section may be limited depending on the total sum of the initial capital amounts of the products ordered by the Client or based on other parameters related to the technical capabilities of the Website and legal restrictions.

5.4. The amounts of initial capital may not be transferred between individual products or combined with each other. You also cannot transfer or combine your scores, Service parameters, data or any other information between products. The above rule may be temporarily changed by the Provider by introducing special actions, discounts, promotions, whereby Clients will be informed of the change in the Client Section and by e-mail.

5.5. The service is available seven days a week, 24 hours a day. The Provider reserves the right to interrupt the operation of the Service, due to maintenance, updating, technical problems, introduction of modifications.

5.6. The Provider shall make every effort to ensure that the data entered into the Service is not lost. However, the Provider does not guarantee that data will not be lost due to technical problems, modifications or updates to the Service.

5.7. The Client may request the removal of the Client Section at any time by sending an e-mail to support@mfatraders.com. Sending a request for cancellation of the Client Section shall be deemed to be a request for termination by the Client. The Provider will immediately acknowledge receipt of the request to the Client by e-mail, as a result of which the contractual relationship between the Client and the Provider will be terminated. In this case, the Client is not entitled to continue using the Client Section. The Client shall not be reimbursed for any fees already paid or costs incurred, unless the obligation to reimburse such fees or costs is expressly imposed by law.

VI. Demo trading

6.1. The Demo Trading Service allows the Client to make any transactions, unless they constitute prohibited strategies or trading practices within the meaning of the clause.

6.2. The Client is obliged to comply with good, standard market rules and practices regarding trading in financial markets (e.g. risk management rules). Restrictions may also be imposed by the trading terms and conditions of the Trading Platform selected for trading.

6.3. The Provider shall have access to information about the transactions executed in the demo trading that the Client executes on the Trading Platform.

6.4. By accepting the T&Cs, the Client who is an Entrepreneur agrees with the Provider to share this information with other persons/entities who are in a group with the Provider or are otherwise related to the Provider, and consents and authorises the Provider and these persons/entities to process this information. These actions can be performed automatically without the need for further consent, consultation or approval from the Client. The client is not entitled to any remuneration in connection with the provision of transaction data. The Provider is aware that the Client does not provide any investment advice or recommendations to the Provider through its demo trading.

6.5. The client may suspend its demo trading on the Trading Platform at any time.

6.6. The Provider indicates that the information displayed on the Trading Platform may contain inconsistencies, as well as interruptions, delays or inaccuracies in the market information displayed via the Client Section may arise, regardless of the Provider's actions, due to technical problems.

VII. Prohibited trading practices

7.1. During demo trading, the following is prohibited:

7.1.1. the conscious or unconscious use of trading strategies that take advantage of service errors, such as errors in the display of prices or delays in updating them;

7.1.2. executing transactions via an external or free data channel;

7.1.3. executing, either alone or in collaboration with others, including between linked accounts or accounts held in different MFA entities, transactions or combinations of transactions that are intended to manipulate trading, for example by simultaneously entering into opposing positions;

7.1.4. having two or more positions open in the same financial instrument in the opposite direction at the same time in the same account or in different accounts within an MFA (Hedge);

7.1.5. executing trades in contravention of the terms and conditions of the provider and the trading platform;

7.1.6. the use of any software, artificial intelligence, ultra-fast or mass data entry that may manipulate, abuse or give an unfair advantage when using the systems or services;

7.1.7. Trading on MFA TRADER accounts is prohibited during the release of important macroeconomic data (high-impact news). Positions cannot be opened, closed, or modified within five (5) minutes before and five (5) minutes after the official release of the data. Any profits generated from transactions entered into in violation of this rule will be forfeited. The high-impact news release schedule is available at: https://www.fxstreet.com/economic-calendar - this provision does not apply to accounts in the Challenge and Verification phases;

7.1.8. executing other transactions in conflict with actual trading on the FOREX market or any other financial market, or in a way that gives rise to reasonable concerns that the Provider may suffer financial or other losses as a result of deliberate actions by the Client (e.g. excessive leverage, excessive exposure, one-sided bets, account rollovers).

7.1.9. Overtrading - continually opening and closing positions without a clear strategy or rationale (applies to all account types and challenge phases);

7.1.10. High-Frequency Trading (HFT) & Tick Scalping - making multiple trades in the shortest possible time, either on your own or using specially programmed computers and/or software that automatically makes trades based on decision-making algorithms;

7.1.11. the use of so-called signal groups, services or other sources that provide ready-made trading signals;

7.1.12. making 'investment' decisions based on recommendations from individuals or third parties;

7.1.13. delegating the decision-making process for opening, modifying or closing a position to others.

7.1.14. Delayed arbitrage. This practice involves exploiting delays in price feeds, order execution, or system latency to enter or exit trades at prices that do not reflect the current market conditions. Any accounts found to be engaging in delayed arbitrage may be subject to trade cancellation, profit forfeiture, account suspension, or termination at the Company’s sole discretion.

7.2. It is prohibited:

7.2.1. to permit access to and trading in MFA Challenge Accounts by another person or entity for the purpose of executing trades for the Client;

7.2.2. to access any accounts of other MFA Challenge Clients, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE to trade on behalf of other Clients, operate or manage MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE accounts on behalf of other Clients.

7.3. The Client should not take advantage of the Services by trading without following the standard risk management rules of the financial markets, this includes, but is not limited to, the following practices (i) opening significantly larger positions compared to the Client's other trades, whether on this or any other Client account, or (ii) opening significantly fewer or larger positions compared to the Client's other trades, whether on this or any other Client account. The Provider reserves the right to assess whether certain transactions, practices, strategies or situations may violate these Prohibited Business Practices, guided by the objective criteria set out in the Terms and Conditions, and applicable law. In case of doubt, the parties undertake to consult each other to clarify whether a practice falls within the definition of Prohibited Trading Practices.

7.4. If the Client uses one or more of the Prohibited Trading Practices:

7.4.1. The Provider may consider this as a failure to meet the conditions of a particular MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE.

7.4.2. The Provider may remove the offending trades from the Client's trading history and/or not include their results in the profits and/or losses made by the demo trade, - immediately cancel all Services provided to the Client and consequently terminate this Contract;

7.4.3. reduce the offered leverage on products to 1:5 on any or all Client accounts.

7.5. In the event that some or all of the Prohibited Trading Practices are executed on one or more MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE accounts of a single Client, or accounts of different Clients, or by combining trading through MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE, then the Provider shall have the right to cancel all Services and terminate all relevant Contracts related to any and all MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE and Client accounts and/or apply other means in Clause.

7.6. The Provider may take any or all of the actions indicated above, in order to select the actions most effective in a particular case, to ensure the safe operation of the Service and to comply with the law.

7.7. If any MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE accounts have been used for or have been involved in Prohibited Trading Practices, this may and will constitute a breach of the relevant terms and conditions for the MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE account and may result in the cancellation of all such user accounts and termination of the relevant Contracts by the provider.

7.8. If the Client repeatedly engages in any of the practices described in the paragraphs above and the Provider has previously notified the Client and urged the Client to cease, the Provider may prevent the Client from accessing all or part of the Services, including access to the Client Section and the Trading Platform, without any compensation. The Client is not entitled to a refund of fees.

7.9. The Provider shall not be liable in any way for trading or other investment activities carried out by the Client outside the relationship with the Provider, for example by using data or other information from the Client Section, the Trading Platform or otherwise related to the Services in actual trading on the financial markets, even if the Client uses the same Trading Platform for such trading that the Client uses for demo trading.

7.10. The client accepts that changes in the financial markets occur frequently and suddenly. Trading the financial markets may not be profitable and may result in significant financial losses and no previous results and profits from a Client's demo trading are a guarantee or indication of any further results.

7.11. Once the Funded Account stage has been reached in the case of MFA Challenge accounts (successful completion of Challenge Phases 1 and 2) and in the case of MFA ONE-STEP CHALLENGE accounts (successful completion of phase 1), MFA reserves the right to reduce the acceptable level of risk on individual transactions. This decision can be taken to protect capital and ensure the long-term stability of the funds under management. The user will be informed well in advance of any changes to the risk parameters. A Client who is a consumer or an entrepreneur with consumer rights may lodge a complaint or terminate the contract in accordance with the law within 30 days of being informed of the change if he or she does not agree with the change in the risk parameters and the change materially and adversely affects access to and use of the Service.

VIII. MFA Challenge and Verification

8.1. Upon payment of the fee for the selected Challenge MFA option, the Client will receive the relevant login details for the Trading Platform at the email address provided by the Client or in the Client Section.

8.2. Activation of the MFA Challenge by the Client is achieved by opening transactions on the redeemed MFA Challenge.

8.3. The Client, who is a Consumer and an Entrepreneur with the rights of a Consumer, by paying for the product, demands immediate performance and delivery of the digital service and acknowledges that, with access to the digital service, he will lose his right of withdrawal.

8.4. The Client shall activate the MFA Challenge within 30 calendar days of the Provider first making the Service available to the Client. Failure to activate within this period will result in suspension of access to the Service. The Client may request renewal of access via the Client Section or by sending an email to support@mfatraders.com within 3 months of suspension, otherwise the Provider will terminate the Services. The Client, who is a consumer and an entrepreneur with consumer rights, shall in such a case be entitled to a refund of the fees incurred in proportion to the unused days of use.

8.5. In order for the Client to meet the MFA Challenge, it must simultaneously meet all the parameters set out in Appendix 4.

IX. MFA Trader

9.1. If the Client performs very well in the Provider's Evaluation of the MFA Challenge, the Client may receive an offer from the Provider to participate in the MFA Trader Programme. This offer is subject to the Client's performance and the Provider's capabilities, and is not guaranteed.

9.2. The terms and conditions of participation in the MFA Trader Program are described in Appendix 2..

X MFA Instant

10.1. The Client has the option to purchase the MFA Instant option. This service is treated as a premium service and allows you to skip the earlier test stages of the services provided on the Website and use the most advanced stage of the Website's services immediately after purchase and registration.

10.2. A detailed description of the operation of this option and its Terms and Conditions are described in Annex 2 to the Contract.

10.3. The Client's purchase of the MFA Instant option implies acceptance of the Terms and Conditions set out in Annex 2.

XI. MFA ONE-STEP CHALLENGE

11.1st The Client has the option to purchase the MFA ONE-STEP CHALLENGE option. This service assesses the Client's trading skills by completing a single test trading phase on a demo account.

11.2nd In the event of successful completion of the first phase of the ONE-STEP Challenge, the Client may be allowed to trade in the second phase of the ONE-STEP CHALLENGE - the funded phase, under the terms and conditions set out in these Regulations.

11.3rd The first phase of the ONE-STEP Challenge is considered completed if the conditions described in Annex 4 are met.

11.4th 11.4. Options, detailed terms and parameters of MFA ONE-STEP CHALLENGE accounts are described in Appendix 1 and Appendix 2.

11.5th The purchase of the MFA ONE-STEP CHALLENGE option by the Client constitutes acceptance of the Terms and Conditions specified in Annexes 1, 2, and 4.

XII. Right of withdrawal

12.1. The Consumer, and the Entrepreneur with the rights of the Consumer, shall have the right to withdraw from the contract without giving any reason within 14 days of its conclusion, unless they make a declaration to waive their right and request the commencement of the Services, before the expiry of the deadline for withdrawal.

12.2. The declaration of withdrawal should be sent to the e-mail address support@mfatraders.com by the deadline. The Provider shall acknowledge receipt of the statement without undue delay. In the event of withdrawal from the contract, the Provider shall refund (no later than 14 days after withdrawal from the contract) all fees that the Client has so far paid to the Provider, in the same manner in which they were received.

12.3. A Consumer and an Entrepreneur with the rights of a Consumer may withdraw from a contract without calling for the delivery of digital content or a digital service if:

12.4. it is clear from the Provider's statement or circumstances that it will not provide digital content or a digital service;

12.5. The Consumer (or and Entrepreneur with Consumer Rights) and the Provider have agreed, or it is clear from the circumstances of the conclusion of the contract, that a specific deadline for the delivery of the digital content or digital service was of significant importance to the Consumer and Entrepreneur with Consumer Rights, and the Provider has not delivered within that deadline.

XIII. Failure of the services provided

13.1. In relation to the Consumer and the Entrepreneur on the rights of the Consumer, the Provider shall be liable for the non-conformity of the Services or Digital Content with the contract, under the terms of the law.

13.2. In the event of non-compliance of the Services or Digital Content with the contract, authorised entities may request to bring it to a state consistent with the contract.

13.3. If it is impossible or would require unreasonable costs for the Provider to bring the Services or Digital Content into conformity with the Contract, the Provider may refuse to bring the Services or Digital Content into conformity with the Contract.

13.4. The Provider shall bring the Services or Digital Content into compliance with the Contract immediately, no later than within 30 days of receipt of the request.

13.5. The Consumer or the Entrepreneur with the Consumer's rights have the right to submit a statement of withdrawal from the contract or price reduction in the following cases:

13.5.1. The Provider has refused to bring the Services or Digital Content into conformity with the Contract;

13.5.2. The Provider has failed to bring the Services or Digital Content into compliance with the Contract;

13.5.3. the non-conformity of the Services or Digital Content with the Contract continues even though the Provider has attempted to bring the Services or Digital Content into conformity with the Contract;

13.5.4. the lack of conformity of the Services or the Digital Content with the Contract is such as to justify either a reduction in price or cancellation of the Contract without first having recourse to the remedies referred to above;

13.5.5. it is clear from the Provider's statement or other circumstances that it will not bring the Digital Services or Digital Content into conformity with the Contract within a reasonable time or without undue inconvenience to the Consumer or the Entrepreneur in the Consumer's rights.

13.6. The reduced price must be in such proportion to the contractual price as the value of the Services or Digital Content not in conformity with the contract remains to the value of the Services or Digital Content provided without defects (in conformity with the contract). If the Services or Digital Content are provided in parts or on a continuous basis, the reduction of the Price shall take into account the time during which the Services or Digital Content were not in conformity with the contract.

13.7. In the event of submitting a statement of withdrawal from the contract or price reduction, the Provider shall return the due funds immediately, no later than within 14 days from the date of receipt of the statement of price reduction.

13.8. The right of withdrawal shall not apply if the Services or Digital Content are provided in exchange for the payment of a price and the non-conformity of the Services or Digital Content with the contract is immaterial.

13.9. The Provider shall be liable for the non-conformity with the contract of digital content or digital service delivered in one go or in parts, which existed at the time of delivery and became apparent within two years of that time. Any lack of conformity of the digital content or digital service with the contract which becomes apparent before the expiry of one year from the time of delivery of the digital content or digital service shall be presumed to have existed at the time of delivery.

13.10. The Provider shall be liable for non-compliance with the contract of digital content or digital service provided in a continuous manner, which occurred or became apparent at the time when it was to be provided in accordance with the contract. The non-conformity of the digital content or digital service with the contract shall be presumed to have occurred within that time if it became apparent within that time.

XIV. Termination of the contract

14.1. The Provider may terminate the Contract for valid reasons on its side, at 30 days' notice, in particular in the event of:

14.1.1. changes in legislation, administrative decisions or other constraints beyond the Provider's control

14.1.2. a change in technical, organisational or global conditions which will make it impossible to provide the Services or significantly hinder the provision of the Services,

14.1.3. decide to close down the Service, transform the Service or change the way it operates

14.2. Clients will be informed of the termination by e-mail and possibly additionally by a statement from the Provider published on the Website.

14.3. The Client may terminate the Contract at any time by sending a statement of termination to the email address support@mfatraders.com.

XV. Amendments to the T&Cs

15.1. The Provider reserves the right to amend the T&Cs in the event of a change in the law or a well-established interpretation of the law, a change in the functionality of the Website, the need to comply with security rules, improvement of the Services provided by the Provider, organisational or technical changes on the part of the Provider.

15.2. The Provider shall notify the Client of a change to the T&Cs at least 14 days before the change to the T&Cs takes effect, either via the Client Section or by e-mail.

15.3. If the Client does not agree with the change, they have the right not to accept it. The Client must do so no later than the last day before these changes take effect by sending a statement to the e-mail address support@mfatraders.com. Upon receipt of such a statement, the contract will be terminated. If the Client does not make a statement, he shall be deemed to have agreed to the new version of the T&Cs.

XVI. Out-of-court settlement of consumer disputes

16.1. The Consumer has the right to take advantage of non-judicial means of dealing with and asserting claims. The Consumer has the option:

16.1.1. to obtain help of a regional (local) consumer rights advocate or a social organisation, which is in charge of consumer protection.

16.1.2. to apply to a permanent amicable consumer court for the settlement of a dispute arising from the concluded Contract

16.2. More detailed information can be sought by the Consumer at http://www.uokik.gov.pl.

16.3. A consumer may also take advantage of the ODR platform available at: http://ec.europa.eu/consumers/odr. The platform serves to resolve disputes between consumers and traders seeking out-of-court resolution of disputes concerning contractual obligations arising from an online sales or service contract.

16.4. Nothing in these Terms and Conditions is intended to infringe the Client's rights. They must not be interpreted in this manner, as in case of discrepancies between any parts of these terms and conditions and the legal provisions in force, the Seller declares that it will unconditionally obey by and apply the legal provisions instead of the questioned provisions of the terms and conditions.

XVII. Choice of law and competent jurisdiction

17.1. The operation of the Service is subject to the provisions of the Polish law. Any disputes will be settled by the courts in Poland.

17.2. The provisions of paragraph 1 shall not deprive consumers of the protection afforded to them by the applicable laws of the relevant Member State of the European Union or of any other jurisdiction insofar as international law is silent on the matter.

XVIII. Final provisions

18.1. If any provision of the T&Cs is found to be invalid or ineffective, it shall be replaced by a provision whose meaning is as close as possible to the invalid provision. The invalidity or ineffectiveness of one provision will not affect the validity of the remaining provisions.

18.2. The appendices to the T&Cs form an integral and indissoluble part of the T&Cs. In the event of a conflict, discrepancy or ambiguity between the content of the main text of the T&C and the content of any of its appendices, the main text of the T&C shall always take precedence.

These T&Cs shall enter into force and apply from 10.03.2026.

Annex 1

MFA INSTANT, MFA CHALLENGE and MFA ONE-STEP CHALLENGE OPTIONS and individual phases are always indicated on the Service page: https://mfatraders.com

Annex 2

I. Conditions of the MFA Trader

1.1. A Client who successfully completes all stages of the Assessment Service, i.e., the MFA Challenge and Verification, and is admitted to the MFA Trader program, will receive a one-time capital bonus ("Funded Capital Bonus"). The Funded Capital Bonus increases the initial capital of the MFA Trader account by 20% of the face value of the account selected for the MFA Challenge. The Bonus is granted solely for simulation purposes within a demo account and does not constitute an actual deposit or Client funds. The Bonus increases the initial capital of the account used in the MFA Trader program solely for the purposes of simulated trading and calculating trading results. For example, in the case of an account with a face value of USD 10,000, the initial capital of the MFA Trader account after the Funded Capital Bonus is granted will be USD 12,000. The Funded Capital Bonus is non-withdrawable, non-transferable, and non-convertible and can only be used for trading on a demo account provided in the MFA Trader program.;

1.2. The performance of the Client's demo trading will always be assessed by the PROVIDER for a period of 14 days or as the case may be, depending on the product variant chosen by the Client, unless the Client submits a withdrawal request before the end of this reference period (the "Reference Period"). The Reference Period always starts on the day of the first demo transaction in the MFA Trader account and ends after 14 days or on the final day of the Profit Sharing Day (i.e. 23:59:59 Central European Summer Time (CE(S)T)) specified in the Client's withdrawal request, if the request is made in accordance with Section 4.7. The end of the Reference Period means the end of the day falling on the last day of the Reference Period (i.e. at 23:59:59 Central European Time (CET)), for example, if the first day of trading is 1 January, the Reference Period of 14 days will last until 23:59:59 CET on 14 January;

1.3. The value of the initial demo capital for demo trading under this Contract (referred to as "Capital") and, where applicable, the currency, risk option and other parameters that apply to demo trading under this Contract are set out in Annex 1. The value and currency of the Capital must be the same as the amount and currency of the initial demo capital that the Client has selected for demo trading under the MFA Challenge and Verification services offered by the Provider (the "Evaluation Services") - subject to the provisions of point 1.1 above. If the Client has successfully completed several Evaluation Services, the Client may request the PROVIDER to increase the Capital in the MFA Trader account to an amount equal to the total of the initial demo capital amounts successfully completed under the Evaluation Services (e.g. The client completes the MFA Challenge and Verification service with a capital of USD 50,000 and the MFA Challenge and Verification with a capital of USD 100,000, in which case the client may request an MFA Trader account with a capital of up to USD 150,000). The maximum aggregate amount of Capital, individually or in combination, is USD 600,000 per Client. The final decision to authorise an increase in Capital will always remain solely at the discretion of the Privider, who may approve or reject this authorisation at its own request. The PROVIDER may make the increase of the Capital subject to the conclusion of a new Contract to replace this Contract.

1.4. If the Client becomes entitled to the Award, demo trading within the respective trading cycle will be terminated and all open positions will be closed. The Client is obliged to close all trading positions by the end of the Reference Period; if the Client fails to close the positions on time, the PROVIDER shall automatically close all open positions on behalf of the Client. Once the Client's entitlement to the Award has been verified, the Client will be able to start a new trading cycle and the PROVIDER will either provide the Client with new login details for the MFA Trader account; or the PROVIDER will restore the Client's access to the account previously used by the Client, with the history and parameters of that account being reset to their initial values. all parameters of the MFA Trader account will be reset to their initial values, including the value of the Capital (in other words, all gains and losses will be nullified), unless the Client carries forward the portion of the value in respect of which he is entitled to be paid as Awards to the next trading cycle, in accordance with clause 5.12.

1.5. If the Client is not entitled to an Award at the end of the Reference Period, the Client will continue to trade the demo under the same conditions, i.e.:

1.5.1. the reference period will automatically be extended by a further 14 days;

1.5.2. all the parameters of the MFA Trader account, including the current amount of Capital on the basis of which the Client trades demo, will remain unchanged.

1.6. If the Client engages in any Prohibited Trading Practice, the Client shall forfeit its entitlement to the Award for the relevant Reference Period, and in addition (i) the PROVIDER may remove from the Client's trading history those demo trades that violate the prohibition, and/or (ii) not include their results in the profits and/or losses achieved in the demo trading, and/or (iii) immediately close the Client's MFA Trader account and subsequently terminate this Contract, and/or (iv) limit the offered leverage on products to 1:5 on any or all of the Client's accounts. In the event that any Prohibited Trading Practices are used on one or more MFA Trader accounts of the same Client, on MFA Trader accounts of different Clients, or through a combination of trading on an MFA Trader account and trading in the Evaluation Services (i.e. MFA Challenge and Verification), the Privider shall have the right to cancel all MFA Trader accounts and terminate the relevant contracts used for or involved in the Prohibited Trading Practices and/or apply other measures.

1.7. If any user accounts of the Evaluation service have been used to carry out or have been in any way involved in Prohibited Commercial Practices the Provider shall have the right to cancel the user accounts from the Services cancel access to the Services and/or invalidate the Client's performance on the Services and/or other services that have been used or have been in any way involved in Prohibited Commercial Practices. The Privider shall be entitled to take all measures permitted by law to remedy the breach and to protect against the risk of a repeat breach.

1.8. Any losses incurred during demo trading are covered unilaterally by the Client.

II. Terms and conditions of the MFA Instant

2.1 The performance of the Client's demo trading will always be assessed by the PROVIDER for a period of 3 days or as the case may be, depending on the product variant chosen by the Client, unless the Client submits a withdrawal request before the end of this reference period (the "Reference Period"). The Reference Period always starts on the day of the first demo transaction in the MFA Trader account and ends after 3 days or on the final day of the Profit Sharing Day (i.e. 23:59:59 Central European Summer Time (CE(S)T)) specified in the Client's withdrawal request, if the request is made in accordance with Section 5.7. The end of the Reference Period means the end of the day falling on the last day of the Reference Period (i.e. at 23:59:59 Central European Time (CET)), for example, if the first day of trading is 1 January, the Reference Period of 3 days will last until 23:59:59 CET on 3 January;

2.2 The value of the initial demo capital for demo trading under this Contract (referred to as "Capital") and, where applicable, the currency, risk option and other parameters that apply to demo trading under this Contract are set out in Annex 1. The value and currency of the Capital must be the same as the amount and currency of the initial demo capital that the Client has selected for demo trading under the MFA Instant services offered by the Provider.

2.3 If the Client becomes entitled to the Award, demo trading within the respective trading cycle will be terminated and all open positions will be closed. The Client is obliged to close all trading positions by the end of the Reference Period; if the Client fails to close the positions on time, the PROVIDER shall automatically close all open positions on behalf of the Client. Once the Client's entitlement to the Award has been verified, the Client will be able to start a new trading cycle and the PROVIDER will either provide the Client with new login details for the MFA Trader account; or the PROVIDER will restore the Client's access to the account previously used by the Client, with the history and parameters of that account being reset to their initial values. all parameters of the MFA Trader account will be reset to their initial values, including the value of the Capital (in other words, all gains and losses will be nullified), unless the Client carries forward the portion of the value in respect of which he is entitled to be paid as Awards to the next trading cycle, in accordance with clause 4.12.

2.4 If the Client is not entitled to an Award at the end of the Reference Period, the Client will continue to trade the demo under the same conditions, i.e.:

2.4.1. the reference period will automatically be extended by a further 7 days;

2.4.2. all parameters of the MFA Instant account, including the current amount of the Capital, on the basis of which the Client trades demo, will remain unchanged.

2.5 For MFA Instant accounts, the Prohibited Business Practices listed in Section VII of these T&Cs apply, with the exception of Sections, 7.1.9, 7.1.11.

2.6 Trading on MFA Instant accounts is prohibited during high-impact economic news events. Positions may not be opened, closed, or modified within five (5) minutes before or after the official release. Any profits from trades executed in breach of this rule will be forfeited. High-impact news schedules are available at: https://www.fxstreet.com/economic-calendar

2.7 Maximum exposure limit applies to all MFA Instant accounts. Maximum exposure determined using a tiered structure of one (1) standard lot per each 2,500 USD of account balance. For example, an account with a balance of 25,000 USD will have a maximum allowable exposure of ten (10) standard lots at any given time.

2.8 If the Client engages in any Prohibited Trading Practice, the Client shall forfeit its entitlement to the Award for the relevant Reference Period, and in addition (i) the PROVIDER may remove from the Client's trading history those demo trades that violate the prohibition, and/or (ii) not include their results in the profits and/or losses achieved in the demo trading, and/or (iii) immediately close the Client's MFA Trader account and subsequently terminate this Contract, and/or (iv) limit the offered leverage on products to 1:5 on any or all of the Client's accounts. In the event that any Prohibited Business Practices are used on one or more MFA Instant Accounts of the same Client, on MFA Instant Accounts of different Clients, the PROVIDER shall have the right to cancel all MFA Instant Accounts and terminate the respective contracts used for or involved in the Prohibited Trading Practices and/or apply other measures.

2.9 If any MFA Instant user accounts have been used to carry out or have been in any way involved in Prohibited Commercial Practices the Provider shall have the right to cancel the user accounts from the Services cancel access to the Services and/or invalidate the Client's performance on the Services and/or other services that have been used or have been in any way involved in Prohibited Commercial Practices. The Privider shall be entitled to take all measures permitted by law to remedy the breach and to protect against the risk of a repeat breach.

2.10 Any losses incurred during demo trading are covered unilaterally by the Client.

III. MFA ONE-STEP CHALLENGE terms and conditions – phase two - funded

3.1. The results of the Client's demo trading will always be evaluated by the PROVIDER over a period of 7 days or depending on the product variant chosen by the Client, unless the Client submits a withdrawal request before the end of this reference period ("Reference Period"). The Reference Period always starts on the date of the first demo trade on the MFA ONE-STEP CHALLENGE account and ends after 7 days or on the end of the Profit Sharing Date (i.e. 23:59:59 Central European Summer Time (CE(S)T)) specified in the Client's withdrawal request, if such request was submitted in accordance with section 5.7. The end of the Reference Period means the end of the day falling on the last day of the Reference Period (i.e. 23:59:59 Central European Time (CET)), for example, if the first trading day is 1 January, then the Reference Period of 7 days will run until 23:59:59 Central European Time (CET) on 7 January;

3.2. The value of the initial demo capital for demo trading under this Agreement (hereinafter referred to as the "Capital") and, if necessary, the currency, risk option and other parameters that apply to demo trading under this Agreement are set out in Appendix No. 1. The value and currency of the Capital must be the same as the amount and currency of the initial demo capital that the Client has chosen for demo trading under the MFA ONE-STEP CHALLENGE services offered by the Provider..

3.3. If the Client becomes eligible for a Reward, the demo trading session for the given trading cycle will be terminated and all open positions will be closed. The Client is obligated to close all trading positions by the end of the Reference Period; if the Client fails to close the positions on time, the PROVIDER will automatically close all open positions on the Client's behalf. After verifying the Client's eligibility for the Reward, the Client will be able to start a new trading cycle, and the PROVIDER will either provide the Client with new login details for the MFA ONE-STEP CHALLENGE account or restore the Client's access to the previously used account, with the history and parameters of this account being restored to their initial values. All parameters of the MFA ONE-STEP CHALLENGE account will be reset to their initial values, including the Equity value (in other words, any profits and losses will be invalidated), unless the Client carries forward the portion of the value for which they are entitled to a Reward payment to the next trading cycle, in accordance with Section 5.12.

3.4. If the Client is not entitled to the Reward at the end of the Reference Period, the Client will continue demo trading under the same conditions, i.e.:

a. the reference period will be automatically extended by another 7 days;

b. all parameters of the MFA ONE-STEP CHALLENGE account, including the current Equity amount on the basis of which the Client performs demo trading, will remain unchanged.

3.5. In the case of MFA ONE-STEP CHALLENGE accounts – phase two – funded, the Prohibited Trading Practices listed in Section VII of these T&Cs apply.

3.6. Trading on MFA ONE-STEP CHALLENGE – Phase Two – Funded accounts is prohibited during the release of important macroeconomic data (high-impact news). Positions cannot be opened, closed, or modified within five (5) minutes before or five (5) minutes after the official release. Any profits generated from transactions entered into in violation of this rule will be forfeited. The high-impact news release schedule is available at: https://www.fxstreet.com/economic-calendar

3.7. If the Client engages in any Prohibited Trading Practice, they forfeit their right to the Reward for the relevant Reference Period, and furthermore, (i) the PROVIDER may remove from the Client's trading history the demo trades that violate the prohibition, and/or (ii) disregard their results in the profits and/or losses achieved in demo trading, and/or (iii) immediately close the Client's MFA ONE-STEP CHALLENGE account and subsequently terminate this Agreement, and/or (iv) limit the leverage offered on products to 1:5 in any or all of the Client's accounts. In the event that any Prohibited Trading Practices are applied to one or more MFA ONE-STEP CHALLENGE accounts of the same Client, to MFA ONE-STEP CHALLENGE accounts of different Clients, the PROVIDER has the right to cancel all MFA ONE-STEP CHALLENGE accounts and terminate the relevant agreements used for or involved in the Prohibited Trading Practices, and/or apply other remedies

3.8. If any user's MFA ONE-STEP CHALLENGE accounts have been used to conduct or have been in any way involved in Prohibited Trading Practices, the Provider has the right to terminate the user's account from the Services, revoke access to the Services, and/or invalidate the Customer's performance on the Services and/or other services that were used or were in any way involved in Prohibited Trading Practices. The Provider has the right to take all actions permitted by law to remedy the violation and protect against the risk of recurrence..

3.9. Any losses incurred during demo trading are unilaterally covered by the Client.

IV. Processing of data from demonstration transactions

4.1 The Client acknowledges that the PROVIDER has access to information regarding demo transactions that the Client performs on MFA Challenge, MFA Trader,MFA Instant or MFA ONE-STEP CHALLENGE accounts. The Client grants the Privider permission to share this information with persons/entities who are members of the same group as the PROVIDER or who are otherwise affiliated with the PROVIDER, and grants the PROVIDER and such persons permission and authorisation to freely use this information, including but not limited to trading all or some of the demo trades in the actual financial markets or using it in any other way. The Client agrees that such activities may be performed automatically, without the need for further consent, consultation or approval by the Client, without entitlement to any Award or remuneration related to the use of such data by the PROVIDER, or persons/entities that are members of the same group as or otherwise related to the PROVIDER, and without the Client's right to be informed about the specific handling of such information.

4.2 The Client acknowledges that the size of the Award or the payment of the Award in no way depends on whether or how the entities or persons referred to in section 4.1. use the Demonstration Transaction Information. The Client also acknowledges that the use of the Services and the MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE account under this Contract is subject to the Client's Contract to the provisions of clause 4.1 above. However, the Client may discontinue or terminate the use of the Services as well as the MFA Challenge, MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE account at any time - but this will not affect the processing and use of previously acquired data, with the Client's consent.

V Award

5.1 The Client's entitlement to the Award and the amount of the Award are solely dependent on the Client's demo trading performance and the fulfilment of the parameters set by the PROVIDER for the payment of the Award. The Client acknowledges that the entitlement to the Award or the amount of the Award does not depend in any way on the situation in the actual financial markets or on the value that the demonstration transactions would have in the actual financial markets.

5.2 The Client will only become entitled to an Award if he/she meets all the conditions for demo trading set out in this Contract, in particular if the Client meets all the parameters and conditions set out in clauses 1.1 to 1.7 and/or 2.1 to 2.10 and/or 3.1 to 3.9 above, during the reference period, and successfully passes the verification carried out by the security department during the online video meeting, the purpose of which is to confirm the Client's self-execution of trades on the account in question. If the Client does not make a Profit at the end of the Reference Period, the Client will not be entitled to any Award for the Reference Period. Only the Client's performance in demo trading on the MFA Trader account, MFA Instant or MFA ONE-STEP CHALLENGE – second phase - funded will be considered to determine the Client's entitlement to the Award.

5.3 A Client starting trading in the MFA Trader program receives an initial profit share ("Profit Split") of 80% of the profit generated on the demo account, which is the basis for calculating the Reward. Profit is understood to be the positive value representing the difference between the Client's account balance on the reference period end date and the Client's account balance on the reference period start date. For example, if at the beginning of the reference period the client's account balance was USD 100 000 and at the end of the period it was USD 150 000 then the profit is USD 50 000. The Client has the opportunity to increase the Profit Split level after meeting certain conditions of activity and trading results in accordance with the following rules:

5.3.1. After three (3) consecutive calendar months of trading in the MFA Trader program, the Client may request an increase in the Profit Split to 85%, provided that:

• in each of the three calendar months the Client has completed at least one (1) transaction, and
• the average monthly trading result for these three months was at least 3% profit

5.3.2. After another three (3) calendar months of trading, the Client may request an increase in the Profit Split to 90%, provided that:

• in each of the three calendar months the Client has completed at least one (1) transaction, and
• the average monthly trading result for these three months was at least 3% profit

5.3.3. The maximum Profit Split level available in the MFA Trader program is 90%

5.3.4. The Profit Split level increase is not automatic. The Client must submit a request to increase the Profit Split via email to support@mfatraders.com. Upon receipt of the request, the Provider will verify compliance with the conditions set forth in these Terms and Conditions. If these conditions are met, the Provider may increase the Profit Split level to 85% or 90%, respectively. If the Client does not submit a request to increase the Profit Split, the Provider is not obligated to automatically increase the Profit Split level..

5.3.5. The provisions of points 5.3 and 5.3.1. to 5.3.4 apply only to MFA Trader accounts. For MFA Instant accounts, the reward amount is 70% of the profit, and for MFA ONE-STEP CHALLENGE accounts, 65% of the profit generated during demo trading, and is fixed for the entire period of account use.

5.4 The Award is paid by the Provider, i.e. My Funding Account P.S.A., Al. Wojciecha Korfantego 138A, 40-156 Katowice, Poland, KRS: 0001023771, NIP: 6343021306, REGON: 524681980 in the form of cash and will be taxed in accordance with Art. 21, sec. 1 point 68 of the Personal Income Tax Act of 26 July 1991, a 10% flat tax. According to this provision, the following are exempt from income tax:

• 68) the value of Awards won in competitions and games organised and broadcast (announced) by mass media (press, radio and television) and competitions in the field of science, culture, art, journalism and sports, as well as Awards related to premium sales of goods or services - if the one-time value of such awards or Awards does not exceed PLN 2,000; the exemption from tax of Awards related to premium sales of goods or services does not apply to Awards received by a taxpayer in connection with his non-agricultural business activity, which constitute revenue from that activity;

5.5 Award tax will not be charged on the Award paid to Clients in connection with a bonus sale of the Services where:

5.5.1. the one-off value of the Award does not exceed PLN 2,000;

5.5.2. The Award is paid to a non-resident who has presented My Funding Account P.S.A.. with a certificate of tax residence in a country other than Poland;

5.5.3. The Award is paid to a Client who uses an MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE – second phase - funded account as a trader, in which case the Award paid is final and includes all direct or indirect taxes, including VAT or similar taxes, fees and charges that may be applicable under applicable law.

5.6 In the case referred to in point 5.5. The Client is solely responsible for the payment of any taxes, direct or indirect, including VAT, GST or similar taxes, fees or charges that are applicable to the Client in connection with the Award received, in accordance with applicable law, and acknowledges and agrees that the Provider shall not be liable for such obligations of the Client. The currency of the Award and the payment of the Award to the Client will be the same as the currency of the Capital in the MFA Trader Account, MFA Instant or MFA ONE-STEP CHALLENGE.

5.7 The Reward may be paid after the end of each reference period of 14 consecutive days for MFA Trader accounts, 3 days for MFA Instant accounts and 7 days for MFA ONE STEP CHALLENGE accounts – second phase – funded, whereas the first Reward may be accrued and paid after 14 days of using the MFA Trader account by the Client or 3 days in the case of MFA Instant accounts or 7 days in the case of MFA ONE STEP CHALLENGE accounts – second phase – funded, depending on the variant of this account, in accordance with Appendix No. 1.

5.8 At the end of each reference period referred to in section 5.7. The Client has the right:

5.8.1. to request payment of the Award if the conditions for its accrual have been met,

5.8.2. carry forward the amount of the accrued Award for the relevant billing period to the next billing period. In this case, the Demo Capital of the Client's MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE account will be increased by the amount of the accrued and unpaid Award.

5.9 Examples of Award Determination for MFA Trader account with Profit Split of 80%

5.9.1. if the Client's Capital corresponds to a demo amount of USD 100,000 and the Client starts trading on 5 May 2024, and at the end of the reference period, the Client has a demo amount of USD 200,000 in the MFA Trader Account, the Client will be entitled to an Award of USD 80,000 (i.e. 80% of USD 100,000 [USD 200,000 minus USD 100,000] is USD 80,000), depending on the product selected as set out in Appendix 1. In the case of MFA Instant and MFA ONE-STEP CHALLENGE Accounts – the second phase – the funded reward will be determined in a similar manner, with the proviso that the reward is 70% and 65% of the generated Profit, respectively;

5.9.2. if the Client's Capital corresponds to a demo amount of USD 100,000 and the Client starts trading on 5 May 2024 and after the end of the reference period, i.e. the Client has a demonstration amount of USD 92 000 in the MFA Trader Account, the Client's entitlement to the Award will be USD 0 (80% of the negative [USD 92 000 minus USD 100 000] is USD 0 for the purpose of calculating the Award). In the case of MFA Instant and MFA ONE-STEP CHALLENGE Accounts – the second phase – the funded reward will be determined in a similar manner, with the proviso that the reward is 70% and 65% of the generated Profit, respectively;

5.10 Payment of the Award will be made after the end of the reference period if the conditions have been met (including if the Client has applied for payment).

5.11 If the Client generates a Profit the Privider will verify the validity of the Client's entitlement to the Award, calculate it and communicate the result to the Client via the Client Section. On the basis of this communication, the Client should indicate on the form provided by the PROVIDER what part of the Prize he or she wishes to receive, how he or she wishes the Prize to be paid and other mandatory information, and then submit the form via the Client Section.

5.12 If the Client declares that they only wish to receive part of the Award, only the amount of the Award specified on the form shall be paid. The unpaid portion of the Award will remain available to the Client in a specified amount in the form of demonstration capital and will be added to the Capital for further trading in demonstration mode in the next settlement period ("Transferred Award"). The Client cannot change this option once the form has been submitted. However, the Client hereby acknowledges that the Transferred Award remains part of the Demonstration Capital and will therefore only be used for further Demonstration Trading in accordance with this Contract and is subject to all Demonstration Trading terms and conditions set out herein. The Transferred Award will be taken into account (i.e. the loss will be calculated based on the amount of the Capital including the amount of the Transferred Award). For the avoidance of doubt, the Parties understand and agree that any unpaid portion of the Award has no monetary value and represents demonstration capital only.

5.13 For Clients using an MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE account as an Entrepreneur, the Award will be paid to the Client on the basis of a tax document - an invoice. The details on the invoice must always correspond to the information provided by the Client in the form set out in section 5.11. otherwise My Funding Account P.S.A. is not obliged to pay the Award. The Client is always responsible for the correctness of the invoice and its compliance with the relevant legal provisions, regardless of the method of issue.

5.14 My Funding Account P.S.A.. will pay the Prize in the manner indicated by the Client in the form in accordance with clause 5.11 by means of a bank transfer to the Client's account that the Client indicates in the form in accordance with clause 5.11, or by any other payment method acceptable to My Funding Account P.S.A. and the Client. All payment fees and costs charged to the Client (e.g. charged by the payment service provider) shall be borne by the Client.

5.15 The minimum withdrawal amount is USD 100 for MFA Trader accounts or 1% of the size of the initial capital for an MFA Instant and MFA ONE-STEP CHALLENGE account. Withdrawal requests involving a lower amount will not be accepted.

5.16 Where a particular MFA Trader account variant provides for an additional Award in the form of a certain percentage of the results achieved in the first stage of the MFA Challenge - as set out in Appendix 1 - such additional Award will be added to the payout once 10% of the total growth in the Client's MFA Trader account has been achieved. Payment of the Award will be made in accordance with the terms and conditions set out in these T&Cs.

5.17 In the case of MFA Trader, MFA Instant or MFA ONE-STEP CHALLENGE accounts, in order for an Award to be paid, the Client must successfully complete the KYC/AML procedure in the manner specified by the Provider and on the platform specified by the Provider. Failure to meet this condition means the loss of the right to the Prize without the possibility of refunding the fee paid for the relevant account.

VI. Capital Scaling in MFA Trader

6.1st A Client participating in the MFA Trader program may receive an increase in the capital of their demo account (“Capital Scaling”).

6.2nd The Client may apply for Capital Scaling after three (3) consecutive calendar months of trading in the MFA Trader program, provided that:

• in each of these months the Client completed at least one (1) transaction, and,
• the average monthly trading result for these three months was at least 5% profit.

6.3 If the above conditions are met, the Client may receive an increase in the account capital in the amount of 25% of the capital in the account at the time of submitting the Capital Scaling application..

6.4 Skalowanie Kapitału może być przyznawane wielokrotnie, jednak nie częściej niż raz na trzy (3) miesiące kalendarzowe, pod warunkiem każdorazowego spełnienia warunków określonych w niniejszym Capital Scaling may be granted multiple times, but no more than once every three (3) calendar months, provided that the conditions specified in these regulations are met each time.

6.5 The maximum account capital in MFA Trader after applying Capital Scaling cannot exceed USD 2,000,000.

6.6 Capital Scaling is not automatic. The Client must submit a request for Capital Scaling via email to support@mfatraders.com.

6.7 Upon receipt of the application, the Provider will verify that the conditions set forth in these regulations have been met. If these conditions are met, the Provider may grant Capital Scaling by increasing the capital of the demo account..

6.8 If the Client does not submit an application, the Supplier is not obliged to automatically grant the Capital Scaling.

6.9 The additional capital granted under the Capital Scaling is for simulation purposes only, does not constitute the Client's actual funds and is not subject to withdrawal or transfer outside the demo account.

6.10 The Supplier reserves the right to refuse to grant Capital Scaling in the event of a violation of the Regulations or the use of prohibited trading practices.

Annex 3

I. List of countries for which services are not available

1.1. Countries identified by reliable sources as a country with a high level of corruption or other criminal activity, a country that finances or supports the commission of terrorist acts, or with which terrorist organisations are linked.

1.2. The 'Golden Crescent' countries (Afghanistan, Pakistan, Iran).

1.3. Countries indicated in the Decree of the Minister of Finance of 28 March 2019 on the determination of countries and territories applying harmful tax competition with respect to corporate income tax, i.e. Principality of Andorra, Anguilla - Overseas Territory of the United Kingdom of Great Britain and Northern Ireland; Antigua and Barbuda; Sint-Maarten, Curaçao - countries forming part of the Kingdom of the Netherlands; Kingdom of Bahrain; British Virgin Islands - Overseas Territory of the United Kingdom of Great Britain and Northern Ireland; Cook Islands - Self-governing Territory associated with New Zealand; Commonwealth of Dominica; Grenada; Sark - Dependent Territory of the British Crown; Hong Kong - Special Administrative Region of the People's Republic of China; Republic of Liberia; Macao - Special Administrative Region of the People's Republic of China; Republic of Maldives; Republic of the Marshall Islands; Republic of Mauritius; Principality of Monaco; Republic of Nauru; Niue - Self-governing Territory Associated with New Zealand; Republic of Panama Independent State of Samoa; Republic of Seychelles Saint Lucia; Kingdom of Tonga United States Virgin Islands Non-Incorporated Territory of the United States, Republic of Vanuatu.

1.4. States supporting or suspected of supporting terrorist activities, e.g. Iran, Libya, Sudan, Afghanistan, Pakistan,

1.5. Countries against which the EU has implemented sanctions and countries with strategic deficiencies in their anti-money laundering and counter-terrorist financing (AML/CFT) regimes, high-risk third countries or countries based there under Regulation (EU) 2016/1675 of 14 July 2016 supplementing Directive (EU) 2015/849 of the European Parliament and of the Council (e.g. Bosnia and Herzegovina, Guyana, Iraq, Lao People's Democratic Republic, Syria, Uganda, Vanuatu, Yemen, Iran, Democratic People's Republic of Korea, Russian Federation.

Annex 4

I. Conditions for fulfilling the MFA Challenge

1.1. In order to meet the conditions of the MFA Challenge, the Client must simultaneously meet all the parameters specified below:

1.1.1. The Client has opened at least one demo transaction on at least five different calendar days;

1.1.2. during any calendar day during the MFA Challenge, the Client did not report a loss on any demo trades opened and closed on that day that would exceed the percentage of initial capital for the relevant option, as described below:

• MFA Challenge Standard: in total 5% of the initial capital
• MFA Challenge Professional: in total 4% of the initial capital

1.1.3. at no time during the MFA Challenge did the Client report a loss from any open and closed demo trades that, in aggregate, would exceed the percentage of initial capital for the relevant option as described below:

• MFA Challenge Standard: in total 10% of the initial capital
• MFA Challenge Professional: in total 10% of the initial capital

1.1.4. The client has made a total profit on all closed demo trades of at least a percentage of the initial capital for the relevant option, as described below:

• MFA Challenge Standard: in total 10% of the initial capital
• MFA Challenge Professional: in total 8% of the initial capital

The aforementioned parameters are explained in more detail on the Provider's website.

1.2. If the Client has fulfilled the conditions of the first phase of the MFA Challenge as set out in the section above and at the same time has not breached these GTCs, in particular the Demonstration Trading Rules, the Provider will assess the MFA Challenge as successful and make the second phase available to the Client, i.e. Verification, free of charge, by sending the login data to the Client's e-mail address or to the Client Section. The provider does not have to assess the MFA Challenge if the Client has not closed all transactions.

1.3. The Client activates the second phase, i.e. Verification by opening the first demo transaction on the Trading Platform. If the Client does not activate Verification within 30 calendar days from the date on which the Client received the login details, the Client's access to Verification will be suspended. The Client may request renewal of access via the Client Section or by sending an email to support@mfatraders.com within 3 months of suspension, otherwise the Provider will terminate the Services without the right to a refund.

1.4. In order for the Client to be able to fulfil the conditions of the second phase, i.e. Verification, they must simultaneously meet all of the following parameters:

1.4.1. - during Verification, the Client has opened at least one demo transaction on at least five different calendar days;

1.4.2. on no calendar day during the Verification period did the Client report a loss on any open and closed demo trades that would exceed the percentage of initial capital for the relevant option, as described below:

• MFA Challenge Standard: in total 5% of the initial capital
• MFA Challenge Professional: in total 4% of the initial capital

1.4.3. at no time during the Verification did the Client report a loss on the sum of open and closed demo trades that in total would exceed the percentage of initial capital for the relevant option, as described below:

• MFA Challenge Standard: in total 10% of the initial capital
• MFA Challenge Professional: in total 10% of the initial capital

1.4.4. The client makes a total profit on all closed demo trades that is at least a percentage of the initial capital for the relevant option, as described below:

• MFA Challenge Standard: in total 5% of the initial capital
• MFA Challenge Professional: in total 5% of the initial capital

These parameters are also explained on the Provider's website.

1.4.5. The Client must successfully complete the KYC procedure in the manner specified by the Provider and on the platform specified by the Provider.

1.5. In order for the Client to meet the conditions of the second phase, i.e. Verification, they must comply with the following rules:

1.5.1. The Client has complied with the Verification conditions set out in section 1.4;

1.5.2. The Client has not breached these GT&Cs, in particular the rules of demo trading;

1.5.3. The Client has not exceeded the maximum aggregate capital allocation of USD 600,000 individually or in aggregate, per Client or per trading strategy, as defined in the applicable MFA Trader Programme Contract, if the Client is already participating in the MFA Trader Programme.

If the above conditions are met, the Provider will assess the second phase i.e. Verification as successful and will recommend the client as a candidate for the MFA Trader programme. The Provider does not have to assess Verification if the Client has not closed all transactions.

1.6. If during the first phase, i.e. MFA Challenge Client fails to meet some of the conditions set out in section 1.1, the MFA Challenge will be assessed as unsuccessful and the Client will not be granted access to the next phase i.e. Verification. If the Client fails to meet any of the conditions set out in section 1.4 during the Verification, the Verification will be assessed as unsuccessful and the Client will not be recommended as a candidate for the MFA Trader programme. In such cases, the Client Section and Services will be cancelled without refund of fees already paid.

1.7. The Contract ends automatically and with immediate effect if the Client, during the MFA Challenge, despite activating the service, does not open at least one demonstration transaction within a period of 30 consecutive days. In such cases, the Client Section and Services will be cancelled without refund of fees already paid, unless the Client requests the Provider to suspend access to the MFA Challenge before 30 days have elapsed.

1.8. Recommending a Client as a candidate for the MFA Trader Programme in no way guarantees the Client's acceptance into the MFA Trader Programme. The Provider is not responsible for the Client's rejection by the MFA Trader Programme for any or no reason.

1.9. The contract for the MFA Challenge and Verification service is for a fixed period of time until the MFA Challenge or Verification is completed.

II. Conditions for fulfilling the MFA ONE-STEP CHALLENGE

2.1 In order for a Client to meet the conditions of the first phase of the MFA ONE-STEP CHALLENGE, they must simultaneously meet all of the following parameters:

2.1.1. During the first phase, the Client opened at least one demo trade on at least five different calendar days;

2.1.2. on any calendar day during the first phase, the Client did not report a loss on any open or closed demo trades that exceeded a percentage of the initial equity for the relevant option, as described below:

• MFA ONE-STEP CHALLENGE: in total 3,5% of the initial capital

2.1.3. At no time during the first phase did the Client report a loss on the sum of open and closed demo trades that in total exceeded a percentage of the initial capital for the relevant option as described below:

• MFA ONE-STEP CHALLENGE: in total 10% of the initial capital

2.1.4. The Client earns a total profit from all closed demo trades that is at least a percentage of the initial capital for the relevant option, as described below:

• MFA ONE-STEP CHALLENGE: in total 8% of the initial capital

The above parameters are also explained on the Provider's website.

2.1.5. The Client must successfully complete the KYC procedure in the manner specified by the Provider and on the platform specified by the Provider.

2.2 In order for the Client to meet the conditions of the first phase, the Client must comply with the following rules:

2.2.1st The Client has met the conditions of the first phase specified in point 2.1;

2.2.2nd The Client has not violated these General Terms and Conditions, in particular the rules of demonstration trading;

2.2.3rd The Client has not exceeded the maximum total capital allocation of USD 600,000, individually or in total, per Client or per trading strategy.If the above conditions are met, the Provider will evaluate the first phase as successful and recommend the Client as a candidate for the second, funded phase. The Provider is not required to evaluate the first phase if the Client has not closed all transactions.

2.3 If during the first phase, the Client fails to meet some of the conditions set out in sections 2.1 or 2.2, the MFA ONE-STEP Challenge – first phase will be assessed as unsuccessful, and the Client will not be granted access to the next phase (funded phase), and the Client will not be recommended as a candidate for the second phase (funded phase). In such cases, the Client Section and Services will be canceled without refund of any fees already paid.

2.4 The Agreement terminates automatically and immediately if the Client, despite activating the service, fails to open at least one demo transaction within a period of 30 consecutive days during the MFA ONE-STEP CHALLENGE. In such cases, the Client Section and Services will be canceled without refund of any fees already paid, unless the Client requests the Provider to suspend access to the MFA ONE-STEP CHALLENGE before the 30 days have elapsed.

2.5 Recommending a Client as a candidate for the second phase of the funded program does not in any way guarantee that the Client will be accepted into the second phase of the funded program. The Provider is not responsible for rejecting a Client for any reason whatsoever.

2.6 The MFA ONE-STEP CHALLENGE service agreement is concluded for a specified period of time until the completion of the MFA ONE-STEP CHALLENGE