Terms & Conditions

Registered Office: United Kingdom

Founded: March 4, 2025

Business Activity: Investment strategy and trading education

2.1 Educational Purpose: UMBT NORTH provides simulated trading environments exclusively for educational and skill development purposes. All trading accounts are simulation-based and designed to help traders practice strategies in a controlled environment.

2.2 No External Capital Management: UMBT NORTH does not manage, hold, or invest any external client capital. We do not provide regulated investment services, portfolio management, or financial advisory services.

2.3 No Investment Services: UMBT NORTH does not offer any services that would require authorization under financial services regulations. Our business model is strictly educational and does not involve real capital deployment on behalf of clients.

3.1 Simulation Environment: All accounts provided by UMBT NORTH are simulated trading environments. They operate with virtual capital and do not involve real money trading in live markets.

3.2 Trading Rules: All accounts are subject to the trading rules outlined on our Trading Rules page, including daily loss limits, maximum drawdown, and profit targets. Violation of these rules may result in account termination.

3.3 Platform: Trading is conducted on the TraderLocker platform. Users must comply with the platform's terms of service and technical requirements.

4.1 Profit Share: Traders are entitled to 80% of profits generated on funded simulation accounts, subject to meeting all trading rules and requirements.

4.2 Minimum Payout: The minimum payout threshold is 100€. Payouts below this threshold cannot be processed.

4.3 Payout Processing: Payouts are subject to verification and compliance checks. UMBT NORTH reserves the right to delay or refuse payouts if fraudulent activity, rule violations, or account manipulation is suspected.

5.1 Trading Risks: Forex and leveraged trading involve substantial risk of loss. While our accounts are simulated, the skills and strategies developed may be applied to real trading, which carries significant financial risk.

5.2 No Performance Guarantees: Past performance, whether in simulation or real trading, does not guarantee future results. Profitable performance in a simulated environment does not ensure profitability in live markets.

5.3 Educational Only: Information and strategies provided by UMBT NORTH Academy are for educational purposes only and should not be considered financial advice or investment recommendations.

The following activities are strictly prohibited and may result in immediate account termination:

• Use of arbitrage, latency exploitation, or any form of market manipulation
• Coordinated trading with other accounts to exploit or game the system
• Use of automated trading systems without prior authorization
• Sharing account credentials or allowing unauthorized access
• Reverse engineering or attempting to manipulate platform software
• Any activity that violates the spirit of educational simulation trading

7.1 Service Availability: UMBT NORTH does not guarantee uninterrupted access to trading platforms or services. Technical issues, maintenance, or external platform problems may affect availability.

7.2 Financial Liability: UMBT NORTH's maximum liability to any user is limited to the amount paid for the account in question. We are not liable for any indirect, consequential, or punitive damages.

7.3 Third-Party Services: We are not responsible for issues arising from third-party platforms, payment processors, or services integrated with UMBT NORTH.