WICK FUNDED

WICK FUNDED — Terms of Service

Effective Date: 2026-04-29 Last Updated: 2026-06-11

1. Nature of the Service

WICK FUNDED ("the Platform") is a software-as-a-service that provides access to a fully simulated trading environment for the purpose of evaluating trading skill. The Platform is not a brokerage, not an investment service, and does not handle, hold, or invest customer funds. By using the Platform, you acknowledge and agree that:

  • All trading activity occurs in a simulated environment using real-time market data
  • No actual financial trades are executed with your money or any third-party broker
  • Account balances displayed in the Platform are virtual amounts for evaluation purposes only
  • Profit and loss displayed are simulated outcomes, not real financial gains or losses
  • Any USDT payouts you may receive are promotional rebates paid from the operator's treasury based on simulated performance — they are not investment returns, dividends, or profits from any real trade

1.1 Eligibility

To register for or use the Platform, you represent and warrant that you:

  • are at least 18 years old (or the age of legal majority in your jurisdiction, whichever is higher) and have full legal capacity to enter into these Terms;
  • are not a resident, citizen of, or accessing the Platform from a jurisdiction where access to simulated trading evaluation services is prohibited or restricted (see Section 14);
  • are not a person subject to sanctions, and are not acting on behalf of any sanctioned person or entity;
  • will provide accurate identity information and complete KYC verification (Section 6) before requesting any payout.

WICK may suspend, restrict, or terminate any account that does not meet these eligibility requirements at any time, and is under no obligation to issue a refund in such cases (Section 7).

2. Products — Three Tracks

WICK FUNDED offers three evaluation tracks, each with distinct rules and pricing. All tracks operate exclusively in a simulated environment.

2.1 1-Step Challenge

A single evaluation phase. Trader pays a one-time fee to access a simulated account. Hit a 10% profit target while respecting the strictest drawdown rules in our lineup (4% daily DD, 6% trailing max DD, 30% consistency, 60s min hold time, ±2 min news blackout). On pass, account converts to Funded simulation. No time limit.

2.2 2-Step Challenge

Two-phase evaluation. Phase 1 target: 8%. Phase 2 target: 5%. Standard prop-firm rules (5% daily DD, 10% trailing max DD then fixed, 35% consistency, 30s min hold, ±2 min news blackout). On Phase 2 pass, account converts to Funded simulation. No time limit on either phase.

2.3 Instant Funded

Skips both evaluation phases. Trader pays a higher one-time fee and gains immediate access to Funded simulation. Hardest rules (4% daily DD, 5% fixed max DD, 25% consistency, 60s min hold, ±5 min news blackout, progressive lot scaling 0.5→1.5 lots/$10K over 4 weeks). First payout unlocked at +8% profit (no time minimum). No trading is performed by WICK on behalf of the customer to "pass" the challenge — the customer simply skips the evaluation phase.

3. Trading Rules

Detailed per-track rules are published at /rules and are incorporated by reference into these Terms. A summary table per track:

| Rule | 1-Step | 2-Step | Instant | |---|---|---|---| | Profit target | 10% (single phase) | 8% P1 / 5% P2 | None (8% gate for 1st payout) | | Max daily drawdown | 4% | 5% | 4% | | Max overall drawdown | 6% trailing | 10% trailing P1, fixed after | 5% fixed | | Consistency rule | ≤30% largest day | ≤35% largest day | ≤25% largest day | | Min hold time | 60s | 30s | 60s | | News blackout | ±2 min | ±2 min | ±5 min | | Friday close | Mandatory 21:00 UTC | Mandatory 21:00 UTC | Mandatory 21:00 UTC | | Min trading days | 5 | 5 per phase | 10 (before 1st payout) | | Max lot size / $10K equity | 1 lot | 2 lots | 0.5→1.5 lots (scaling) | | Time limit | None | None | N/A (funded from day 1) | | Personal automation (own API key, own LLM agent) | Allowed (rate-limited) | Allowed (rate-limited) | Allowed (rate-limited) | | Group / signal-mirroring / copy trading across users | Forbidden | Forbidden | Forbidden | | Account sharing / sale | Forbidden | Forbidden | Forbidden | | Hedging across accounts | Forbidden | Forbidden | Forbidden |

Rule violations result in either a soft breach (warning, account stays alive — 3 of the same kind escalates) or a hard breach (immediate termination, no refund, no appeal). Full breach policy at /rules.

All sales are final — no refunds are issued under any circumstance.

4. Promotional Rebate Structure

4.1 Rebate Ladder

USDT rebates paid to users are promotional payouts funded from the operator's treasury based on simulated performance — they are not profits from any actual trade. The split is tiered based on consecutive profitable months:

| Tier | Unlocks at | Trader split | WICK retains | |---|---|---|---| | T1 Foundation | Month 1 → Month 3 | 80% | 20% | | T2 Climber | Month 4 → Month 6 (3 profitable months) | 85% | 15% | | T3 Veteran | Month 7 → Month 12 (6 profitable months) | 90% | 10% | | T4 Master | Month 13+ (12 consecutive profitable months) | 95% | 5% |

Tier is account-bound. A new account resets to T1. Same ladder applies to all three tracks.

4.2 Payout Frequency

Trader chooses Weekly / Bi-weekly / Monthly. Adjustment applied to current tier base:

  • Weekly: −5pp (faster cashflow, higher firm ops cost)
  • Bi-weekly: base tier rate (default)
  • Monthly: +3pp (patient trader rewarded, capped at 95%)

Instant Funded: first payout fixed at 80% (no frequency choice). Subsequent payouts: trader picks frequency.

4.3 Payout Conditions

  • Minimum N active trading days completed (5 for 1-Step / 2-Step, 10 for Instant before 1st payout)
  • No rule violations during the cycle
  • Consistency rule satisfied
  • Funded phase only (no payouts during Challenge phases)
  • KYC verified (Sumsub)
  • Payouts processed in USDT TRC20 to the wallet on file
  • Minimum payout amount: $50 USDT
  • First payout cycle: 14 days after Funded activation (1-Step / 2-Step); Instant Funded first payout cycle is 21 days minimum
  • Subsequent payouts: every 14 days, on request

5. Account Sizes

All six account sizes — $5K, $10K, $25K, $50K, $100K, and $200K — are available across all three tracks. USDT rebates are discretionary promotional payouts from the operator's treasury based on simulated performance, subject to the conditions in Section 4.

6. KYC & Identity Verification

  • Identity verification is required before account activation
  • Acceptable documents: government-issued ID + selfie
  • KYC documents stored encrypted, retention 5 years per applicable AML regulation
  • WICK reserves the right to reject KYC for any reason consistent with AML compliance

7. All Sales Final — No Refunds

All purchases are final and non-refundable. By placing an order you acknowledge:

  • Challenge fees are non-refundable under any circumstance (activated or not)
  • Instant Funded fees are non-refundable under any circumstance (activated or not)
  • Rule violations, account terminations, withdrawal of access, or your decision to stop using the platform do not entitle you to any refund, credit, or compensation
  • You expressly waive any cooling-off, withdrawal, or money-back period that may otherwise apply under your local consumer law, to the maximum extent permitted in your jurisdiction, in consideration of immediate access to the simulated trading environment
  • Chargebacks filed against the operator without first contacting support will result in immediate account termination and may be reported to chargeback prevention networks (Visa MATCH, Ethoca)

Disputed transactions identified as fraudulent (stolen card, identity theft, sanctions hit) are handled per the operator's AML obligations and may be reversed irrespective of the above.

Payment processing — Merchant of Record. All Platform fees are sold and processed through Freemius, Inc., which acts as the Merchant of Record (MoR) and authorized reseller. Freemius is the seller of record for invoicing and the collection/remittance of any applicable taxes (VAT/GST). The payment transaction is additionally governed by Freemius's own Terms of Service and Refund Policy. Where Freemius, acting as Merchant of Record, is required to issue a refund or process a chargeback (for example, a disputed or fraudulent transaction, or a mandatory statutory right), it may do so irrespective of the "all sales final" policy stated above. The Operator's no-refund policy reflects the Operator's commercial position and does not purport to limit Freemius's MoR obligations or any non-waivable statutory rights you may hold.

8. Personal Automation & Third-Party API Access

WICK exposes a documented REST API and an MCP-compatible streaming endpoint (collectively, the "Developer API") so that a user may, for their own personal account only, operate the simulator through their own scripts, their own LLM client (Claude, ChatGPT, Gemini, etc.), or their own journal / dashboard software.

8.1 What is allowed

  • Reading market data, account state, positions, journal entries via your own API key
  • Submitting orders (market, limit, stop, modify, close) via your own API key
  • Wiring the API to your own LLM agent or trading assistant to evaluate / suggest / execute trades on your own account
  • Building personal tooling (dashboards, mobile apps, notification bots, journals) on top of the API

WICK provides the tools; the user supplies the strategy and the model. Whether a user trades manually in our web UI or via their own LLM agent through the API, the same simulator rules apply identically. No special treatment, no preferred routing, no insider data — the API is a thinner skin on the same execution engine.

8.2 What is forbidden

  • Distributing your API key to other users, or trading multiple users' accounts through a single key
  • Group automation / signal mirroring: running one strategy that fires identical or near-identical trades across multiple WICK accounts you do not personally own
  • Selling, renting, or syndicating access to your account, your trades, or your API key
  • Latency arbitrage against the simulator's data feed (e.g. order injection within microseconds of a feed tick)
  • Order-flow patterns inconsistent with skill evaluation: tens of orders per second per account, burst order/cancel cycles >50/min, statistical-arbitrage strategies whose edge derives purely from execution speed rather than market view

The Developer API enforces per-key rate limits (default 100 req/min, 10 000 req/hour, configurable per key); these limits are designed to block pure-HFT abuse while leaving comfortable headroom for any human-in-the-loop or LLM-in-the-loop workflow.

8.3 Logging & audit

Every API call carrying the execute scope is permanently logged with timestamp, IP, key ID, request body, response status, latency, and (when supplied by the client) `User-Agent` / agent provider hint. By using the Developer API the user consents to this logging; the logs may be used to investigate rule-violation suspicions, anti-abuse, and AML obligations. Logs are retained for the life of the account plus 5 years.

8.4 Disclaimer regarding LLM outputs

WICK does not train, fine-tune, host, or operate any of the LLMs a user may connect to the Developer API. Any output produced by Claude, ChatGPT, or any other model wired to the user's account is the user's own action, executed under the user's own credentials, and is not investment advice from WICK. WICK makes no warranty regarding the profitability or fitness of any LLM-generated trade.

9. Other Prohibited Activities

  • Account sharing, selling, or transferring (whether the credentials are a username/password or an API key — same rule)
  • Coordinated multi-account trading (e.g. opening hedged positions across two accounts the same person owns)
  • Hedging across multiple accounts (same trader)
  • Exploiting simulator bugs (price-feed gaps, settlement delays, balance-update races) instead of reporting them
  • Misrepresenting jurisdiction, identity, or beneficial ownership during KYC
  • Using WICK in a jurisdiction where access is prohibited (see Section 14)

Violations result in account termination, forfeiture of fees, and ineligibility for future participation.

10. Limitation of Liability

WICK is a simulation platform. In no event shall WICK be liable for:

  • Any direct, indirect, incidental, or consequential damages arising from use of the Platform
  • Real-world financial decisions made by the user based on their simulated trading experience
  • Market data delays, gaps, or inaccuracies
  • Service interruptions or downtime

Total liability is limited to the fees paid by the user for the specific account in question.

11. Account Termination

WICK reserves the right to terminate any account that violates these Terms. Terminated accounts forfeit all fees paid and any pending simulated profits.

12. Modifications

WICK may modify these Terms with 30 days' notice. Existing active accounts remain governed by the Terms in effect at the time of purchase.

13. Governing Law & Operator Identity

WICK FUNDED is the product and brand. All paid orders — payment collection, tax handling, and customer invoices — are processed by Freemius, Inc. as the authorized reseller and Merchant of Record; your payment contract is with Freemius, Inc. Platform access, support, and operation are provided by the WICK FUNDED operating entity. For any question regarding operator identity, contact support@wickfunded.com.

These Terms are governed by general principles of international commercial law, together with the mandatory consumer-protection rules of your country of residence, without regard to conflict-of-laws rules.

Binding arbitration — class-action & jury waiver. Any dispute, claim, or controversy arising out of or relating to the Platform or these Terms shall be resolved exclusively by final and binding arbitration on an individual basis, and not in court. To the fullest extent permitted by law, you and the Operator each waive any right to a jury trial and to participate in a class, collective, consolidated, or representative action; claims may be brought only in an individual capacity. This Section does not apply where prohibited by the mandatory law of your country of residence, and does not prevent either party from seeking injunctive or equitable relief for intellectual-property infringement or unauthorized access to the Platform.

14. Jurisdiction Restrictions

WICK FUNDED is not registered as a brokerage, an investment firm, or a financial-services provider in any jurisdiction. Accordingly, access to the Platform is geo-restricted in real time, by IP-derived country signal, in the following jurisdictions:

  • Mainland France — financial-promotion rules reserved to licensed brokerage/CIF entities; the Operator does not solicit residents of mainland France
  • OFAC-sanctioned territories: Iran, North Korea, Syria, Cuba, the Russian Federation, Belarus, and any other country/region appearing on the SDN list at the time of access

Users attempting to access the Platform from a blocked jurisdiction will be redirected to a notice page and may not register, fund an account, or place trades. Attempting to circumvent geo-blocking (VPN, proxy, falsified KYC) is a material breach of these Terms and results in immediate termination, forfeiture of fees, and forfeiture of any pending rebate.

15. Contact

Questions about these Terms: support@wickfunded.com

By purchasing a Challenge (1-Step / 2-Step) or Instant Funded account, you confirm that you have read, understood, and agree to these Terms in full.