Terms & Conditions
The legal terms governing your use of the Prospera Financial Planning investment platform and services. Last updated: January 2025.
Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
1. Acceptance of Terms
By accessing or using the Prospera Financial Planning platform and services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use our services. We reserve the right to modify these terms at any time, and your continued use of the platform constitutes acceptance of the modified terms.
2. Eligibility
To use our services, you must be at least 18 years of age, legally capable of entering into binding contracts, not be a resident of a jurisdiction where our services are restricted or prohibited, and pass our identity verification and suitability assessment process.
3. Account Registration
You must provide accurate, complete, and current information during registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately of any unauthorised access or use of your account.
4. Investment Services
Our platform provides execution-only investment services. We do not provide personalised financial advice. All investment decisions are made solely by you. The information and research available on our platform is for informational purposes only and does not constitute financial advice. Past performance is not indicative of future results.
5. Risk Acknowledgement
Investing in financial instruments involves significant risk. The value of investments can go down as well as up, and you may lose some or all of your invested capital. You should only invest money you can afford to lose. Before investing, you should carefully consider your investment objectives, level of experience, and risk appetite.
6. Fees and Charges
By using our services, you agree to pay all applicable fees as set out in our Fee Schedule, which is available in your account settings. We reserve the right to modify our fees with reasonable notice. Fees are deducted automatically from your account balance.
7. Prohibited Activities
You agree not to: use the platform for any unlawful purpose; engage in market manipulation or fraudulent trading activity; attempt to gain unauthorised access to our systems; use automated tools to access the platform without prior authorisation; violate any applicable laws or regulations.
8. Intellectual Property
All content, software, and materials available on the Prospera Financial Planning platform are protected by intellectual property rights owned by or licensed to us. You may not copy, reproduce, or distribute any content without our prior written consent.
9. Limitation of Liability
To the maximum extent permitted by law, Prospera Financial Planning shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or services, including any loss of profits, data, or goodwill.
10. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.