These are your broker's documents, not ours
When you open a trading account you are signing a contract with a brokerage. That contract, and the policies attached to it, decide what happens when something goes wrong: how your order is executed, what you are charged, whether the firm is on the other side of your trade, how you complain, and how you get your money back.
Jcom Technologies is the technology provider. We do not issue any of these documents, we do not hold them, and we are not a party to them. Your broker writes them and your broker owes them to you.
This page is a reading guide. For each document it says what the thing is for and, more usefully, the specific line a careful reader turns to first. Ask for all of them in writing before you deposit, and keep the copies you were given on the day you signed.
Jcom is not a party to your client agreement
The contract is between you and your brokerage. We supply the software the brokerage runs. We cannot interpret its terms for you, we cannot vary them, we cannot enforce them, and we cannot resolve a dispute under them. Every document on this page must come from your broker, and every question about one must go to your broker. If a firm points at the platform when you ask for its policies, ask again.
The documents, and what to check in each
Nothing here is downloadable, because none of it is ours. Treat the right-hand column as the thing you look for first when the document lands in your inbox.
| Document | What it is for | What a careful reader checks |
|---|---|---|
| Client agreement / terms of business | The master contract. It creates the relationship and everything else hangs off it. | Which legal entity you are contracting with, the governing law and courts, how the firm may amend the terms, and on what grounds it may close or suspend your account. |
| Risk-disclosure statement | The formal warning about what CFDs and leverage can do to your capital. | Whether it explains liquidation and margin calls in concrete terms, and whether it states plainly that you can lose the entire balance. Vagueness here is a tell. |
| Order-execution policy | How and where your orders are actually executed, and how the firm judges "best execution". | Whether the broker internalises flow (fills you itself) or passes orders to third parties, which venues or liquidity providers it uses, what factors it ranks above price, and its policy on slippage and requotes. |
| Conflicts-of-interest policy | Where the firm's interests can diverge from yours, and what it does about it. | The direct question: does the broker take the other side of client trades? If it does, your loss can be its revenue. Then check what it says it does to manage that, and whether it pays staff or affiliates on client trading volume or client losses. |
| Fees and charges schedule | Everything the account can cost you, in one place. | The swap rates on the instruments you will actually hold overnight, the inactivity fee and when it starts, commissions, spread markups, deposit and withdrawal fees, and any currency-conversion charge. See Fees and Charges. |
| AML / KYC and source-of-funds policy | What the firm must verify about you, and when. | Which documents are required, at what point verification is triggered, and what happens to a withdrawal request if verification is incomplete. This is where "my withdrawal is stuck" usually begins. |
| Complaints-handling procedure | The formal route when the support desk cannot resolve something. | Where a complaint must be sent, the deadline for the firm to respond, and the escalation route if you are not satisfied. If the escalation route is "contact us again", there is no escalation route. |
| Data-protection / privacy notice | What the firm does with your personal data. | What is collected, who it is shared with (including affiliates and marketing partners), where it is stored, how long it is kept, and how you exercise your rights over it. |
| Deposit and withdrawal policy | How money gets in, and more importantly how it gets out. | The same-method, same-name rule, the stated processing times, minimums, fees, and any bonus or promotion terms that attach conditions to withdrawing. See Funding Your Account. |
These are the broker's documents. Jcom does not publish, hold, endorse or stand behind any of them.
The three that people skip and later regret
If you genuinely will not read all nine, read these. They are where the surprises live.
Conflicts of interest
Because it answers whether your counterparty profits when you lose. That single fact reframes everything else in the relationship, and it is usually stated in one sentence buried on page four.
Order execution
Because it explains why your fill was not the price on the screen. Slippage, requotes and the choice of venue are all decided here, and they are decided in advance, by the broker, not in the moment.
Fees and charges
Because the visible cost is the spread and the invisible cost is everything else. Swaps on a position held for weeks, and an inactivity fee on an account you forgot about, quietly outrun the commission you were comparing.
How to ask, and what to do with the answers
A short, practical procedure. It costs one email.
- Ask before you deposit. Once the money is in, you have lost the only leverage you had in the conversation.
- Ask in writing, for all of the documents at once, and ask for the version that applies to your entity and your country of residence.
- Save your own copies, with the date. Firms amend policies, and the version that governs a dispute is the one that was in force at the time.
- Read for the specifics, not the tone. A document can be twenty pages of reassurance and still not say who executes your orders.
- If something is missing, absent from the site, or "will be sent later", treat the gap as information rather than as an oversight.
- If a firm cannot produce its own client agreement and fee schedule on request, do not deposit. There is no charitable reading of that.
Terms you will meet inside them
Short definitions, so the documents read faster. These are general industry meanings, and your broker's own definitions section is the one that governs.
- Best execution
- The firm's obligation, where it applies, to take reasonable steps to get the best overall result for the client, weighing price, cost, speed and likelihood of execution. The policy tells you how the firm weighs them.
- Internalisation
- The broker filling your order itself rather than passing it to an external venue, so it becomes your counterparty. Legal, common, and the reason the conflicts policy matters.
- Slippage
- The difference between the price you asked for and the price you got, because the market moved between the two. The execution policy sets out how the firm handles it, in both directions.
- Swap
- The financing charge or credit applied for holding a leveraged position overnight. Small per night, and the dominant cost of a position held for months.
- Source of funds
- Evidence of where your money came from, which a firm must ask for under anti-money-laundering rules. Being asked is normal. Being asked only when you try to withdraw is worth a question.
- Segregation
- Holding client money in accounts separate from the firm's own. Covered in Safeguarding Client Funds.
Where to next
Safeguarding Client Funds
Who actually holds your money, what to demand from them, and what no safeguard removes.
Compliance and Oversight
Which party is regulated, which is not, and how to verify a broker in a public register.
Opening an Account
The onboarding and verification steps, and the documents you will be asked to sign.