Important DisclaimerWe are a broker and do not provide investment advice or accept any form of investment from clients.If anyone claims to represent us and solicits investments or promises guaranteed returns, it is a fraudulent scheme.Please do not engage with such individuals or offers, and report any suspicious activity to us immediately.Important DisclaimerWe are a broker and do not provide investment advice or accept any form of investment from clients.If anyone claims to represent us and solicits investments or promises guaranteed returns, it is a fraudulent scheme.Please do not engage with such individuals or offers, and report any suspicious activity to us immediately.Important DisclaimerWe are a broker and do not provide investment advice or accept any form of investment from clients.If anyone claims to represent us and solicits investments or promises guaranteed returns, it is a fraudulent scheme.Please do not engage with such individuals or offers, and report any suspicious activity to us immediately.

Terms and Conditions

Last updated: March 17, 2026

Please read these terms and conditions carefully before using Our Service.

1. INTRODUCTION AND ACCEPTANCE

These Terms and Conditions (the "Terms") constitute a binding legal agreement between you ("Client," "you," or "your") and PFH Markets Ltd. (the "Company," "we," "us," or "our"), a company incorporated under the laws of Saint Lucia. By opening an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and irrevocably agree to be bound by these Terms.

Company Details: • Company Name: PFH Markets Ltd.

• Registered Office: Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, GrosIs-let, Saint Lucia

• Physical Office: 2246+W8F Castries, Broglie Street. Office 22. St Lucia • Email: [email protected]

• Phone: +38617770394

If you do not agree with any part of these Terms, you must immediately cease all use of our services and refrain from opening an account.

2. ELIGIBILITY AND REGIONAL RESTRICTIONS

2.1 Eligibility: By accepting these Terms, you represent and warrant that you are of legal age (18 or over) and possess the legal capacity to enter into this binding agreement.

2.2 Restricted Jurisdictions: Our services are NOT offered to residents of the United States of America (USA) , the United Arab Emirates (UAE) , or any other jurisdiction where the distribution or use of our services would be contrary to local law or regulation. If you are a resident of these locations, you are strictly prohibited from opening an account or using our services. We reserve the right to close any account and reverse any transactions if we discover you are from a restricted jurisdiction.

3. RISK WARNING

Trading Foreign Exchange (Forex) and Contracts for Difference (CFDs) is highly speculative and carries a significant level of risk. It is possible to lose more than your initial investment. The leveraged nature of CFD and Forex trading means that any market movement will have an equally proportional effect on your deposited funds. This may work against you as well as for you. You must carefully consider whether trading is suitable for you in light of your financial circumstances and risk tolerance. You should not risk funds you cannot afford to lose. Past performance is not an indicator of future results. The Company provides an execution-only service and does not provide investment advice. You are solely responsible for all trading decisions and activity in your account.

4. IMPORTANT DISCLAIMER

4.1 No Investment Advice: PFH Markets Ltd. acts as an execution-only broker. We do not provide investment, legal, or tax advice. Any information, news, research, or analysis provided on our website or through our platforms is for informational purposes only and does not constitute a solicitation or offer to buy or sell any financial instrument.

4.2 Fraud Warning: Be aware of fraudulent schemes. The Company will never solicit your password or request funds to be transferred to a third-party bank account. All official communications will come from our verified email addresses. Report any suspicious activity immediately.

5. ACCOUNT REGISTRATION AND KYC/AML COMPLIANCE

5.1 Verification: To comply with global Anti-Money Laundering (AML) and Know-Your Customer (KYC) regulations, you must provide accurate, complete, and current information during registration. This includes, but is not limited to, government-issued identification, proof of residence, and source of wealth documentation.

5.2 Right to Freeze and Close: The Company has the absolute and unconditional right to verify your identity at any time. We reserve the right to freeze your account, restrict withdrawals, or close your account indefinitely, without prior notice, if: • You fail to provide required documentation.

• We suspect fraudulent activity, money laundering, terrorist financing, or any other financial crime.

• We believe, in our sole discretion, that the information provided is false or misleading. Funds will not be released until all verifications are satisfactorily completed.

6. COMPANY DISCRETION AND ABSOLUTE RIGHTS

The Company shall have absolute and sole discretion regarding the operation of your account, the execution of trades, and the processing of withdrawals. Without limiting the generality of the foregoing, the Company reserves the right to:

• Reject or cancel any trade or order for any reason or no reason.

• Refuse, delay, or process any withdrawal request, subject to verification procedures.

• Amend, adjust, or close your account balance based on its internal calculations and policies.

• Suspend or terminate your access to the trading platform at any time.

The exercise or non-exercise of any discretionary right by the Company shall not create any liability or claim against the Company.

7. PROHIBITED TRADING PRACTICES AND SYSTEM EXPLOITATION

You are strictly prohibited from engaging in any trading practices that seek to exploit the trading platform, pricing feeds, or latency in the system. Such practices are considered fraudulent and constitute a material breach of these Terms. Prohibited practices include, but are not limited to:

• Arbitrage Trading: Taking advantage of price differences on the same instrument across different platforms or markets.

• Latency Trading / Sniping: Using high-speed trading systems to exploit delays in price feeds or order execution.

• Hedging Exploits: Using hedging strategies to lock in profits based on pricing anomalies.

• Expert Advisors (EAs) Exploits: Utilizing automated software to execute trades at speeds or frequencies that abuse the platform infrastructure. • Internal Arbitrage: Exploiting delays between the quoting engine and the trade execution engine.

Consequences of Prohibited Trading: If the Company determines, in its sole and absolute discretion, that you have engaged in any prohibited or abusive trading practice, we reserve the right to take the following actions without prior notice:

• Immediate Account Suspension or Termination. • Cancellation of All Trades deemed to be a result of the abusive practice.

• Forfeiture of All Profits generated from such trades.

• Adjustment of Account Balance to reflect only the original deposit amount or the value prior to the abusive trading.

• Withholding of Funds for an indefinite period pending investigation.

8. PRICING ERRORS AND TRADE CANCELLATION

While we strive to provide accurate pricing, errors may occur. In the event of a manifest error, system malfunction, or misquotation (including but not limited to errors in price feeds, platform errors, or incorrect spikes), the Company reserves the right to:

• Cancel or reverse any affected trades.

• Adjust the account balance to reflect the correct price or value as if the error had not occurred.

• Void any profits or losses resulting from such errors. This right is absolute and may be exercised retroactively, regardless of whether the error was caused by the Company, its liquidity providers, or third-party systems.

9. MARGIN, LIQUIDATION, AND NEGATIVE BALANCE

9.1 Margin Requirements: It is your responsibility to monitor your account and maintain sufficient margin to support your open positions. The Company may change margin requirements at any time without prior notice.

9.2 Liquidation: The Company reserves the right to close any or all of your open positions at any time, without prior notice, if your account equity falls below the required margin level, or if we deem it necessary to protect the Company from potential loss. The Company is not required to issue a margin call before liquidating positions.

9.3 Negative Balance Liability: You are fully liable for any losses incurred, which may result in a negative balance in your account. You are obligated to immediately deposit funds to cover any negative balance. The Company reserves the right to pursue legal action to recover any debt.

10. WITHDRAWALS AND FUNDS SECURITY

10.1 Withdrawal Policy: Withdrawals will only be processed to the original source of deposit (e.g., the same bank account or credit card) for AML compliance purposes. The Company reserves the right to request additional verification before processing any withdrawal.

10.2 Right to Refuse: The Company may refuse or delay a withdrawal request if:

• Client identity or fund source cannot be verified.

• There are disputed transactions or open investigations on the account.

• The withdrawal violates any term set forth in this agreement.

• The withdrawal is requested during a period of active prohibited trading.

11. FEES AND CHARGES

The Company may charge fees for swaps (overnight financing), inactivity, administrative processing, and currency conversion. Details of current fees are available on our website.

The Company reserves the right to amend its fee schedule at any time. By continuing to use the service, you accept the new fee structure.

12. FORCE MAJEURE

The Company shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network failures, power outages, or interruptions in telecommunications or third-party services ("Force Majeure Event").

13. LIMITATION OF LIABILITY

To the maximum extent permitted by law, PFH Markets Ltd., its directors, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, trading losses, goodwill, or data, arising out of or in connection with:

• The use or inability to use our services or platform.

• Any transaction executed or not executed.

• Any delay or failure in execution due to system errors or market volatility.

• Any unauthorized access to or alteration of your transmissions or data.

• Any statements or conduct of any third party on the service. The Company’s aggregate liability, if any, shall be limited to the amount of fees paid by you to the Company in the six (6) months preceding the event giving rise to the liability.

14. INDEMNITY

You agree to indemnify, defend, and hold harmless PFH Markets Ltd., its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) that arise from:

• Your breach of these Terms.

• Your violation of any law or the rights of a third party.

• Your use of the Company’s services.

• Any negligent or wrongful act or omission by you.

15. DISPUTE RESOLUTION AND BINDING ARBITRATION

15.1 Mandatory Arbitration: Any dispute, controversy, claim, or difference of any kind whatsoever arising out of or in connection with these Terms, your account, or any trading activity, shall be finally and exclusively resolved by binding arbitration administered in Saint Lucia.

15.2 Waiver of Class Action and Court Rights: YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING. YOU EXPRESSLY WAIVE YOUR RIGHT TO SUE IN COURT OR TO HAVE A JURY TRIAL.

15.3 Arbitration Procedure: The arbitration shall be conducted in English by a single arbitrator appointed by mutual agreement or, failing such agreement, by the Saint Lucia Court. The decision of the arbitrator shall be final and binding, and judgment on the award may be entered in any court having jurisdiction thereof.

16. GOVERNING LAW

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of Saint Lucia, without regard to its conflict of law principles.

17. INTELLECTUAL PROPERTY

All content on the Company’s website and platforms, including text, graphics, logos, and software, is the property of PFH Markets Ltd. and is protected by copyright and intellectual property laws. You are granted a limited, non-exclusive license to use the platform for its intended purpose. You may not copy, modify, distribute, or reverse engineer any part of the services.

18. AMENDMENTS AND SEVERABILITY

18.1 Amendments: The Company reserves the right to amend or modify these Terms at any time. The updated version will be posted on our website with a revised "Last Updated" date. Your continued use of the services after such changes constitutes your acceptance of the new Terms.

18.2 Severability: If any provision of these Terms is found to be invalid or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall remain in full force and effect.

19. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and PFH Markets Ltd. regarding the use of the services and supersede all prior agreements and understandings, whether written or oral. --- By opening an account or using the services of PFH Markets Ltd., you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.