Legal

Terms of Service

Last updated: 1 January 2026

1. Acceptance of Terms

By accessing or using the Polar Funded platform, website, or services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services. These Terms apply to all users, including visitors, registered users, challenge participants, and funded traders.

Polar Funded reserves the right to amend these Terms at any time. Continued use of the services after changes constitutes acceptance of the amended Terms. We will provide reasonable notice of material changes via email or through our website.

2. Nature of Services

Polar Funded provides simulated trading evaluation services. All challenge accounts and funded accounts operate in a demo environment. No real capital is deployed on behalf of traders during evaluation or funded trading. Profits and losses on simulated accounts do not reflect real market gains or losses.

Polar Funded is not a broker, investment advisor, or regulated financial entity. We do not provide investment advice. Trading in financial markets involves substantial risk of loss and is not suitable for all individuals.

3. Eligibility

To use Polar Funded services, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction)
• Not be a resident of a jurisdiction where such services are prohibited
• Provide accurate and complete registration information
• Not have a history of account abuse or violation with Polar Funded or affiliated services

Polar Funded reserves the right to refuse service to anyone for any reason at any time.

4. Challenge Rules & Evaluation

Each challenge type (1-Step, 2-Step, 3-Step, Instant Funding) has specific rules disclosed at the time of purchase. These rules include profit targets, daily drawdown limits, maximum drawdown limits, and minimum trading days. You are responsible for reading and understanding all applicable rules before purchasing.

• Rules are fixed at the time of purchase and cannot be changed during an active challenge
• Breaching any rule results in automatic termination of the account
• There is no waiting period to repurchase a challenge after failure
• Past challenges or failures do not affect eligibility for future purchases

5. Funded Account Terms

Upon passing evaluation, traders receive access to a simulated funded account subject to the Funded Trader Agreement provided at that time. Key funded account terms include:

• Funded accounts operate on simulated capital; no real funds are at risk
• Profit split percentages are as disclosed at time of challenge purchase
• Scaling plans are at Polar Funded's discretion based on consistent performance
• Maximum scaling cap is $400,000 across all accounts

6. Payout Policy

Profit payouts are processed within 24 hours on business days. Payouts are issued via bank transfer, cryptocurrency, or Deel, depending on your region. Payout requests must meet minimum payout thresholds as defined in the Funded Trader Agreement.

Challenge fees are fully refunded on your first payout upon successfully passing the evaluation. The refund is applied as a credit against the payout amount.

7. Prohibited Conduct

The following activities are strictly prohibited and will result in immediate account termination without refund:

• Tick scalping strategies that exploit latency, platform errors, or data feed issues
• Use of third-party signal services that violate our terms
• Coordinated trading across multiple accounts to manipulate results
• Account sharing, selling, or transferring to third parties
• Providing false or misleading information during registration
• Any form of cheating, exploitation, or manipulation of the evaluation system

8. Fees & Refunds

Challenge fees are non-refundable after purchase, except as described in our fee refund policy (100% refunded on first funded account payout). Fees are priced in USD and processed through our payment provider (WooCommerce). Polar Funded is not responsible for currency conversion fees charged by your bank or payment provider.

9. Intellectual Property

All content on the Polar Funded website and platform, including but not limited to text, graphics, logos, and software, is the property of Polar Funded and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

10. Limitation of Liability

To the maximum extent permitted by law, Polar Funded shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability to you for any claim shall not exceed the amount paid by you for the applicable challenge fee.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Polar Funded is incorporated, without regard to its conflict of law provisions. Any disputes shall be resolved through binding arbitration in accordance with applicable arbitration rules.

12. Contact

For questions about these Terms, please contact us at legal@polarfunded.com or through our contact page.