Client Agreement
This agreement is between you and Investo Money Ltd. It sets out how your account works, the trading conditions, how money moves, and what each of us can expect from the other. Please read it before you trade.
This version of 29 October 2026 replaces the version of 20 October 2026. It applies to you once you accept it in your account, or 14 days after we tell you about it by e-mail, whichever comes first.
1. Who you are dealing with
1.1 This agreement is between you and Investo Money Ltd ("we", "us"), a company registered in the Republic of the Marshall Islands, registration no. 141817, incorporated on 5 October 2026. Registered address: Trust Company Complex, Ajeltake Road, Ajeltake Island, Majuro, Republic of the Marshall Islands MH 96960.
1.2 Investo Markets is a brand of Investo Money Ltd. Investo Markets was called Investo Money until October 2026. Its website is investo.money.
1.3 Investo Money Ltd is a company registered in the Republic of the Marshall Islands, registration no. 141817. No investor compensation scheme covers your account.
1.4 Your MetaTrader 5 account runs on the server Liirat-Live. Everything else — your account, deposits, withdrawals, support and partners — is Investo Money Ltd. In the MetaTrader 5 app the company shown is "Liirat Ltd."
1.5 This agreement is made up of these terms, the trading conditions published at investo.money/conditions, the Risk Disclosure and the Privacy Notice. If they conflict, this agreement applies first, then the trading conditions.
2. Opening and verifying your account
2.1 To apply you give your name, e-mail, phone number and country. We review each application and may refuse one without giving a reason. Once approved, you receive your MetaTrader 5 login by e-mail.
2.2 You must be at least 18 years old and allowed to trade these products where you live. We do not open accounts for residents of sanctioned countries or of countries we list as restricted.
2.3 We verify identity at these points:
| When | What we ask for |
|---|---|
| Before a single deposit of USD 5,000 or more | An ID card or passport and a selfie |
| Once your total deposits pass USD 100,000 | A proof of address and a bank statement |
| At any time, if the law or our checks require it | Any further information we reasonably need |
2.4 Documents are uploaded only inside your account. They are stored encrypted and seen only by authorised staff. We never ask for documents by e-mail or chat.
2.5 Your account is personal. You may not let anyone else use it, and every deposit must come from you. A crypto wallet you send from is linked to your account and may not be used by another client.
2.6 A free demo account is available for 15 days. It uses no real money.
3. The service
3.1 We offer trading in contracts for difference (CFDs) on gold, oil, the Dow Jones and other markets — forex, indices, silver and crypto — on MetaTrader 5, for iPhone, Android, Windows and Mac. You do not own the underlying asset.
3.2 Execution only. We do not give investment advice or trading recommendations. Market commentary, levels, the weekly forecast and articles are general information. Every trading decision is yours.
3.3 Market execution. We pass your orders on to our liquidity provider, which takes the other side of each trade. We do not take the other side of your trades. Every order type — Buy, Sell, Buy Limit, Sell Limit, Take Profit and Stop Loss — is executed automatically at the market price available when it reaches the server, in about 20 milliseconds. The fill price can differ from the price on your screen, especially in fast markets or at the market open. If the price moves before your order is executed, you get the price at execution, whether it is worse or better for you; we never keep a better price for ourselves.
3.4 Live Turkish lira rates (USDTRY, EURTRY) are shown for information only. They are not tradable.
3.5 We may suspend trading in a market, or reject an order, if the market is closed, prices are not available, or we suspect an error or abuse (section 7).
4. Trading conditions
4.1 Spreads on these markets are fixed. They do not widen on news or at the open.
| Market | Symbol | One lot | Fixed spread |
|---|---|---|---|
| Gold | XAUUSD | 100 oz | 20 cents an ounce |
| US oil | USOIL | 1,000 barrels | 2 cents a barrel |
| Brent oil | UKOIL | 1,000 barrels | 2 cents a barrel |
| Dow Jones | DJ30 | 10 × the index (USD 10 a point) | 2 points |
| Silver | XAGUSD | 5,000 oz | 6 cents an ounce |
| Nasdaq | US100 | USD 20 a point | 1.75 points |
4.2 On every other market the spread is variable and can change quickly. Nothing in this agreement or on our site promises a fixed spread anywhere else.
4.3 Contracts with an expiry date. Indices, oil and other commodities trade as futures contracts with an expiry date. In MetaTrader 5 the tradable symbol ends with its month (for example DJ30_Z26 or USOil_X26); the plain names are continuous charts and are not tradable. Index contracts (the Dow Jones, the Nasdaq, the S&P 500, the DAX) expire four times a year, in March, June, September and December; US oil and Brent expire every month, each named for the following month. The expiry date is the 15th, or the following Monday (the 16th or 17th) when the 15th falls on a weekend, and is shown in the symbol's details in MetaTrader 5. A new contract opens about one week before the current one expires. At expiry, positions still open on the old contract are closed automatically. To stay in the market, close them and reopen on the new contract before the expiry date.
4.4 Commission. A commission per lot traded applies to your account. Its rate is set for your account and confirmed to you in writing, in the e-mail that tells you your account is approved. MetaTrader 5 shows the commission charged on each trade.
4.5 Storage fees (swap). The first 3 days of every position are swap-free. From the 4th day a daily fee is charged at midnight: currencies (forex) $5 per lot per day; metals (gold, silver) $25 per lot per day; crypto (number of coins × entry price × 0.4) / 365 a day. Indices, oil and other commodities pay no storage fee: they are futures contracts with an expiry date. We do not charge three days on Wednesday.
4.6 We may change the trading conditions. We tell you at least 7 days before a change applies, by e-mail, in your account and at investo.money/conditions. Where a market or legal event forces an earlier change, we tell you as soon as we can.
5. Margin, stop-out and negative balance
5.1 Fixed margin, no percentages. On gold, silver, oil, the Dow Jones, the Nasdaq and crypto the margin is a fixed amount per lot, each lot counted at its own tier:
| Lots | Margin per lot |
|---|---|
| The first 2 lots | USD 1,000 |
| From 2 to 5 lots | USD 2,000 |
| From 5 to 25 lots | USD 5,000 |
| From 25 to 50 lots | USD 10,000 |
| From 50 lots | USD 20,000 |
For example, 3 lots need USD 4,000 and 6 lots USD 13,000. One lot of Bitcoin is 1 BTC and one lot of Ethereum is 10 ETH. The largest single order is 20 lots. On other markets, the margin shown for the symbol in MetaTrader 5 applies.
5.2 We do not raise margin during high-impact news or before the Friday close.
5.3 Margin level is your equity divided by the margin in use, as a percentage. It is shown in MetaTrader 5. Keeping enough money in the account is your responsibility; we may not warn you before a stop-out.
5.4 Stop-out at 5%. If your margin level falls to 5%, your open positions are closed automatically at the market price.
5.5 The weekend. Every account must keep a margin level of at least 100% over the weekend. An account below 100% at the Friday market close is hedged automatically at the closing price, to protect it from a price gap over the weekend. The hedge stays open after the market reopens, until you close it. Like any position, it is subject to storage fees (4.5). By accepting this agreement, you agree to this hedge.
5.6 You never owe us a negative balance. If your account ever goes below zero, you do not owe us the difference. We set the balance back to zero within one business day of learning of it, and always before any new money reaches your MetaTrader 5 account, so a new deposit never pays for an old loss. This does not apply where the loss comes from abuse or an error under section 7.
6. Deposits, withdrawals and the Investo wallet
6.1 Money moves only from inside your account. We never ask you to pay to an address, number or person given in a chat, call or e-mail. If anyone does, it is not us.
6.2 The Investo wallet. Deposits arrive in your Investo wallet. From there you move money to your MetaTrader 5 account (Fund MT5) and back (From MT5). Each of these moves is at least USD 20. Money in your Investo wallet is kept separate from Investo Money Ltd's own money.
6.3 Payment methods. We accept the stablecoins USDT and USDC on the networks shown in your account. Clients in Lebanon may also use the local payment methods shown in their account. We may add or remove methods.
6.4 Deposits. A crypto deposit is credited once we have confirmed it on the blockchain. Funds must come from a wallet or account in your own name.
6.5 Withdrawals. You request a withdrawal in your account. We pay it to an address you have already used, or to a new address after a check. Deposits and withdrawals are processed in 15 minutes on average; this is an average, not a promise for each request.
6.6 Checks and holds. We may delay or hold a deposit or withdrawal while we carry out identity, anti-money-laundering or fraud checks. We tell you what we need.
6.7 Fees. Deposits are free, and so are Fund MT5 and From MT5. A crypto withdrawal carries a flat network fee for its network, shown before you confirm and on your receipt, and refunded if the withdrawal is declined. In short: free deposits · withdrawals: a small network fee from $0.50.
7. Risk, errors and abuse
7.1 Risk. Trading leveraged products involves significant risk of loss and is not suitable for everyone. Prices can move fast and you can lose all the money in your account. Past results say nothing about future results. Never deposit money you cannot afford to lose. The Risk Disclosure forms part of this agreement.
7.2 Clear errors. If a trade is opened or closed at a price that is clearly wrong (for example, a feed error far from the market), the price may be corrected or the trade cancelled. We tell you what was changed and why.
7.3 Abuse. We may cancel gains made that way, close positions or close your account if you:
- exploit price delays, feed errors or platform faults;
- use several accounts, or work with others, to take advantage of the negative-balance rule or a promotion;
- trade with money that is not yours, or give false information;
- use the service for money laundering or any other unlawful purpose.
7.4 Promotions. Points, the daily spin, the weekly forecast and challenges are free to enter and nothing is staked. Each has its own published rules.
8. Your data, support and complaints
8.1 Your data. Investo Money Ltd is responsible for your personal data. We use it as the Privacy Notice explains: to open and run your account, meet verification duties, process payments and prevent fraud. When your account closes, we keep the records the law requires (your identity checks, your deposits, withdrawals and other transactions, and our messages about them) for five years, or longer only where the law requires it. Then we delete your personal details and documents; the records of your deposits and withdrawals may stay, without your name.
8.2 Your login. Keep your account and MetaTrader 5 passwords secret. We send MetaTrader 5 passwords by e-mail only and never ask for them. Tell us at once if you think someone else has used your account.
8.3 How we contact you. By e-mail, in your account, and by WhatsApp or Telegram when you contact us there. Notices sent to the e-mail on your account count as received.
8.4 Support. Live support on investo.money and in your account: a person answers 24/7 in Arabic, English and French. E-mail: contact@investo.money.
8.5 Complaints. Make a complaint in your account (Support → Make a complaint), through Live support, or by e-mail to contact@investo.money. A person acknowledges it within 48 hours and we send our final answer in writing within 15 business days. If you are not happy with it, you can ask for a review by management. The full procedure is at investo.money/complaints. There is no outside ombudsman or compensation scheme for our clients.
8.6 Language. This agreement may be translated. The English version is the one that applies.
9. Ending the agreement, changes and law
9.1 You can close your account at any time in your account (Security & devices → Close my account), once your positions are closed and you have withdrawn your balance.
9.2 We can close your account with 14 days' notice, by e-mail and in your account, or at once for abuse, false information, unlawful use or if the law requires it. During the notice period you can close your positions and withdraw your money yourself. Positions still open when the account closes may be closed at the market price, and we pay you the remaining balance, minus any amount due under section 7.
9.3 Changes to this agreement. We may change these terms. We tell you by e-mail and in your account at least 14 days before a change applies, except where the law requires sooner. Your account then asks you to accept the new version. If you do not agree, you may close your account before the change applies.
9.4 Liability. We are not liable for losses caused by market moves, by events outside our control (for example internet, server or blockchain outages), or by your own decisions. Nothing here limits liability that the law does not allow us to limit.
9.5 Governing law. This agreement is governed by the laws of the Republic of the Marshall Islands, and disputes go to its courts.