Terms of service

01Who you are contracting with

These terms are a contract between you and the operator of lotsback.com, called LotsBack in this document. The operator is the person or business that runs lotsback.com and pays your cashback; it is bound by these terms, and support@lotsback.com reaches it.

Regulatory status: LotsBack is not a broker, does not hold client money and is not a regulated financial-services provider. The operator holds no financial services authorisation, and nothing on LotsBack comes from a regulated firm. The operator is an introducing partner. It is not an investment firm, not a payment or e-money institution and not a crypto-asset service provider.

These terms, the Cashback terms, the Risk disclosure and the Privacy notice are published together. The Cashback terms are part of this contract. These terms are written in English; if LotsBack publishes a translation, the English version decides any difference.

02How you agree to these terms

You agree to these terms and the Cashback terms, and confirm that you have read the Privacy notice and the Risk disclosure, when you tick the boxes on the Terms and conditions screen at the end of registration and press Okay, I'm good. LotsBack records which version of the documents you accepted, and when. That record is made once; the Changes section explains how a later change binds you.

Until you do, registration is not complete and you cannot enter the application. If you connected a trading account during registration, LotsBack read it at your request, under the Privacy notice, and no cashback is paid until you accept. You can disconnect it at any time.

If you do not agree, do not use LotsBack. You can close your account from Settings at any time.

03What LotsBack is, and what it is not

LotsBack is an introducing partner. It introduces traders to brokers through its partner links. Brokers pay LotsBack for the accounts it introduces, and LotsBack pays you cashback on the eligible lots a broker has attributed to LotsBack and paid for. LotsBack is paid by brokers, so it has a financial interest in your trading. It says so here because you should know it before you rely on anything LotsBack publishes.

LotsBack is not a broker, not an exchange, not an investment adviser, not a portfolio manager and not a custodian. It is not a party to any trade you place and is not the counterparty to any position. It never holds your trading money, never takes deposits, never offers leverage or margin and cannot place, modify or close a position in your name. Its connection to your trading account is used only to read.

LotsBack is not the broker's agent for your trading relationship, and the broker is not LotsBack's agent. Nothing a broker says or does is a promise by LotsBack, and nothing LotsBack says or does is a promise by a broker.

04Your relationship with your broker

Your trading account is a contract between you and your broker. The broker's own terms, risk warnings and policies govern it: opening and verifying the account, deposits and withdrawals, leverage, margin, pricing, execution, the instruments you can trade, and closing the account. LotsBack has no say in any of that and no access to it.

Whether you may open and trade an account at a broker is the broker's decision, made under the law that applies to the broker and to you. Where a broker rejects, restricts, freezes or closes your account, the matter is between you and the broker. LotsBack can tell you what it knows and cannot change the decision.

Whether a broker records your account as introduced by LotsBack is also the broker's decision. That record, called attribution, is what allows cashback to be paid. An account opened without LotsBack's partner link, or already introduced by someone else, may never attribute. The Cashback terms explain what attribution means for each line.

LotsBack does not guarantee any broker's solvency, conduct, pricing, execution or the safety of money you deposit with it. Choose a broker as carefully as you would without cashback.

05Who can use LotsBack

You may use LotsBack only if all of the following are true:

• You are at least 18 years old, or older if the age of majority where you live is higher.
• You are registering for yourself, not for another person or business, and you connect only trading accounts in your own name.
• You are allowed to open and trade an account at the broker you choose, under the broker's rules and the law where you live.
• You are not in, and do not live in, a country under comprehensive sanctions, and you are not a person on a sanctions list.
• You will tell LotsBack if any of these stops being true.

06Age, identity and the law where you live

LotsBack does not verify your age at registration. Your broker does that before it lets you trade, and cashback only starts once the broker has attributed your account. LotsBack asks you to verify your identity once, before your first payout, and may ask you to prove your age, identity or residence at any other time, and hold cashback and payouts until you do.

If an answer you gave was false, LotsBack may close your account. Lines not yet Available are rejected with that reason. An amount already Available is still paid to you unless the law prevents it or it came from a breach of these terms.

You are responsible for the law where you live: whether you may trade leveraged products, whether you may receive cashback, whether you may receive digital assets, and what tax you owe on cashback. LotsBack does not give tax advice and does not withhold tax.

07Where LotsBack can be used

Cashback is offered only where at least one partner broker accepts residents of your country and that broker's programme is offered there. Some countries restrict or ban cashback-style benefits on leveraged products for retail clients. In those countries LotsBack does not offer cashback, whatever a broker page says.

Nothing on LotsBack is an offer to anyone in a country where it would be unlawful. LotsBack does not ask where you live when you sign up, so read this list before you connect anything. At present:

• Blocked: Cuba, Iran, North Korea and Syria. No broker can be connected and no payout can be made.
• No partner broker: the United States. You can keep an account; cashback stays unavailable until a broker that accepts residents is added.
• Local limits: Australia, Belgium, Canada, Japan and Singapore. Local rules limit which account types are eligible; the application tells you per account.
• Everywhere else: open, unless your broker says otherwise.
• The application is the current list and wins if this list is out of date. LotsBack may change the list when the law or a broker programme changes, and the application shows, for each account you connect, whether cashback is available for it.

08Identity checks, sanctions and reporting

LotsBack does not take your money, so it does not run every check a broker runs. It still has to stay within sanctions law and anti-money-laundering law, and to keep its payout provider and its brokers within theirs.

At any time, and before any payout, LotsBack may ask you for proof of identity, age, residence, and ownership of the trading account and the payout destination. It may hold cashback and payouts until you provide it, refuse a payout destination that a screening check or its payout provider flags, and close an account it is not allowed to serve.

Where the law requires it, LotsBack reports to a regulator or law-enforcement body, and may be forbidden to tell you that it has done so. Where the law allows, a hold shows its reason. Where it does not, the reason shown is compliance review and nothing more can be said.

Giving a false country, using a network tool to hide where you are, or registering for someone else breaks these terms. Every line earned that way is not eligible, and LotsBack may close the account.

09Your account and its security

You sign in with a magic link sent to your email address and, for anything involving money, with a second factor such as an authenticator app. Anyone who controls your mailbox or your authenticator controls your account. Keep both secure, keep the details you gave LotsBack accurate, and tell support@lotsback.com at once if you think someone else has had access.

LotsBack treats anything done from a signed-in session as done by you, unless you told LotsBack about a compromise before it happened. Recovering an account whose authenticator is lost takes time and may need identity checks.

One person, one account. An account may not be shared, sold, transferred or operated for another person. LotsBack sends service messages about your account, cashback, payouts and security by email and in the application; you choose which of them arrive by email in Settings, and security messages always appear in the application. LotsBack does not send marketing email.

For support, LotsBack staff may view your account in read-only mode. Every such view is recorded.

10Connecting a trading account

A broker connection is used only to read. Where a platform offers a read-only credential, such as a MetaTrader 5 investor password, LotsBack asks for that and nothing more. Where a platform has one sign-in for reading and trading, as TradeLocker does, LotsBack uses it once to open the connection, keeps only the renewable access token, encrypted, and never places, changes or closes a position or moves money. Disconnecting the account removes the token.

LotsBack reads closed positions and account metadata to check and verify cashback and to run the tools, through trading-data providers and the broker's own reports. Those connections can be delayed, interrupted or wrong, and a position can appear late, appear twice or be corrected after the fact. Every figure derived from them is provisional until it is verified against the broker's report.

You may disconnect a trading account at any time. Lines already verified and released are unaffected; lines still being checked continue through the current cycle. The Privacy notice explains who processes your trading records and why.

11The services and what they cost

LotsBack offers two things: cashback on eligible lots, and a set of tools: the trading journal, the calendar, the chat, the Signals page and the news portal.

You never pay LotsBack for cashback. The network fee on a payout is set by the network and deducted from the amount you receive; the Cashback terms explain it.

The tools are included at no charge while you are in the cashback system, which means you have at least one connected trading account that the broker has attributed to LotsBack. For accounts that are not in the cashback system, the tools are free for now. LotsBack may introduce a price for them later. If it does, it will publish the price at least 30 days before it applies, it will not charge you anything unless you choose a paid plan and confirm it in the application, and until you do you keep read access to your own journal and can export it. Accounts in the cashback system stay free unless a change to these terms says otherwise with the same notice.

LotsBack may change, suspend or withdraw a tool at any time, and may add conditions to it. Where you have paid for a plan that includes a withdrawn tool, LotsBack refunds the unused part of the period. Cashback already Available is never affected by a change to a tool.

The chat runs on an AI provider key that you choose to connect. That provider charges you for every request the chat makes on your key, under the provider's own terms and to the account the key belongs to; those charges are yours, LotsBack has no control over them, does not see or refund them, and is not a party to that contract. You accept them by adding a key, and you can remove the key in Settings at any time to stop them.

Support runs with the help of AI. When you write to support, in the app's support chat or by email, your message and the account information needed to answer it are processed by AI service providers such as OpenAI and Anthropic, on LotsBack's own accounts with them. LotsBack staff also use AI tools to look into accounts and support cases. A member of LotsBack staff can read any support conversation and take it over, and a request for a person always goes to one. The Privacy notice says what is sent to those providers, what is never sent and how long a conversation is kept. By using LotsBack you accept this processing.

12The tools

The tools work from your own records and from information LotsBack publishes to every user. None of them knows your financial situation, your goals or your tolerance for loss, and none of them is a recommendation to you. What you do with them, including any trade you place, is your decision alone.

• Trading journal and calendar: your closed positions imported from your connected accounts, your own notes, and cycle dates. Imported data is only as complete and timely as the connection that delivered it.
• Chat: an automated system that answers questions about your own cashback and trading records. Its answers are composed by software from your stored records, are not reviewed by a person before you see them, and can be incomplete or wrong. It explains what already happened; it does not tell you what to trade, what size to trade or what will happen next, and refuses to. Check anything you intend to act on against the record it cites. Conversations are stored, and LotsBack staff can read them to review a flagged reply or to help with a support case. The coach chat uses an AI model provider only when you connect your own provider key; the support assistant in the support chat and in support email replies runs on LotsBack's own keys with AI service providers such as OpenAI and Anthropic. The Privacy notice says what each provider receives and under whose account.
• Signals: trade ideas that LotsBack analysts publish to every user at the same time, with the entry, invalidation, target and outcome left on the record. A signal is general information about a market. It is not addressed to you, not based on your circumstances and not a recommendation that you trade. Past outcomes, including the record of hits and misses, do not predict future ones. Reading a signal earns nothing. LotsBack is paid by brokers, so a signal is published by a party with an interest in you trading. Read it knowing that. LotsBack does not give investment advice and, unless the first section of these terms names a regulator, is not authorised to. LotsBack may stop showing Signals in a country, or to everyone, at any time.
• News portal: notices from LotsBack and market news from third-party publishers. LotsBack does not write, check or endorse third-party items, which can be delayed, incomplete or wrong. A headline is not a reason to trade.

13Risk

Trading forex, CFDs and cryptocurrencies carries a high level of risk and can result in the loss of your capital. Most retail accounts lose money trading them. Cashback does not reduce that risk, does not offset a losing position and does not change the odds of any trade.

Cashback is paid on eligible lots. Do not open, enlarge or keep a position because of it. If you notice yourself trading to earn cashback rather than to trade, stop and disconnect the account.

The Risk disclosure is a separate document published with these terms. Read it before you connect a trading account. Trade only with money you can afford to lose, and if you are not sure, seek independent advice from someone licensed to give it where you live. LotsBack is not.

14No advice

Nothing on the website or in the application is investment advice, a personal recommendation, a solicitation, an offer to trade, or an invitation to open an account with any broker. That covers the rates and calculators, the broker pages, the journal, the calendar, the chat, the Signals page, the news portal, emails and support replies. It is all general information.

Broker pages describe a programme and its conditions. They are not a statement that a broker is suitable for you, regulated where you live or safe.

LotsBack does not know whether trading, a broker, an instrument or a strategy is right for you and does not take that into account in anything it publishes.

15Cashback, in short

How cashback is earned, checked and paid is set out in the Cashback terms, which are part of this contract. The rules that matter most are these.

• Only an Available amount is owed to you. The application calls it money for short; it means an amount LotsBack owes you and pays on request, never funds held for you. Everything before that state is an estimate that can change or be rejected when it is checked against the broker's report.
• Cashback is paid only on eligible lots that the broker has attributed to LotsBack and paid for, under the published rate. Manufactured volume is never eligible.
• A line, an account or a payout can be placed on hold during a compliance or reconciliation check, and a released line can be corrected. Every hold, rejection and correction shows its reason and can be disputed.
• A line can be adjusted, delayed, reversed or cancelled when the broker corrects, withholds or reverses its payment; an amount already paid out is set against future cashback. Every change shows its reason and can be disputed.
• Cashback is not guaranteed, may be taxable where you live, and is paid in a digital asset by a transfer that cannot be reversed.

16Payouts are final

Payouts are made in USDT on the Ethereum network or the Tron network, or USDC on the Ethereum network, to a destination address you added yourself and confirmed with your second factor. LotsBack cannot see who controls an address and cannot verify it. Before you confirm, check the address and the network: sending to a wrong address, or to an address on the wrong network, loses the funds permanently.

Once a transaction is broadcast to the network it cannot be cancelled, recalled or reversed by LotsBack, the payout provider or anyone else. A payout sent to the destination you confirmed is complete when the transaction hash is on the receipt, even if you later find the address was not the one you meant. Where a transfer fails, the amount returns to Available with an explicit failure line.

You pay the network fee, which is deducted from the amount sent. The fee is set by the network, not by LotsBack. The amount you receive is the amount sent less the fee actually charged.

17Referral programme

You may share your referral link. If a trader registers through it and the broker attributes their account, you earn a referral commission on their eligible lots, at the rate published in the application, for as long as the programme runs. It never reduces the referred trader's cashback. One level only: you are paid on the trading of the people you invite, never on the people they invite, never for a registration on its own, and there is nothing to buy to take part. If you registered through someone's link, that person earns a referral commission on your eligible lots; your own cashback is not reduced by it.

Referral commission follows the same rules as cashback: it is provisional until verified, only Available is owed, it can be placed on hold or rejected, and it is paid out the same way. It is also subject to conditions of its own:

• You may not refer yourself, a second account of your own, a household member trading your money, or an account you control or share cashback with. LotsBack checks for this; a match rejects the commission and may close the accounts.
• Share your link with people you know, never by unsolicited bulk messages. You may not buy search or social advertising on LotsBack's name, imitate LotsBack, or promise anything LotsBack does not publish, including any return, rate or outcome. Where you promote your link, say that you are paid a commission on the trading of the people who join through it, and keep the risk sentence on anything you share.
• Do not share your link with anyone in a blocked country or anyone under 18.
• LotsBack may pause, change or end the referral programme, or your participation in it, at any time; the Invite page shows when it is not running. Lots closed before a change keep the rate they were earned under. Commission already Available stays payable.
• Where a referred trader is placed on a compliance hold, or where a broker treats them as an existing customer, the related commission is held or rejected with the reason shown, unless the law forbids it, and you can dispute it through the complaints process.
• You can see the lots attributed to your link and the commission they produced, and the referred trader's email address with most of its characters hidden, but never anyone's positions, balance or payouts.
• Partner pages are a separate arrangement in which the broker pays the partner directly under a partner link. LotsBack is not a party to that payment.

18Acceptable use

Cashback is for trading you would do anyway, and the tools are for your own trading. Volume created to generate cashback rather than to trade is not eligible. LotsBack treats the following as manufactured volume:

• Positions opened and closed to produce volume, including matched or offsetting positions across accounts or with another person.
• Automation whose purpose is volume rather than a trading strategy.
• Sharing an account, or an arrangement with someone else to split an account's cashback.
• Inviting an account you control or trade for.
• Using a demo, cent or otherwise ineligible account to claim cashback, or misdescribing an account type.

19How manufactured volume is decided

The signs LotsBack looks at are things like near-zero net exposure across accounts, positions closed within seconds of opening across many lots, and volume out of proportion to the account's history. A pattern alone does not decide it: a person reviews the lines, records the reason, and you can dispute the decision through the complaints process.

Separately from cashback, the following break these terms: trying to access another user's data or to interfere with verification; copying, scraping, reverse engineering or automating access to the website or application, or reselling its data; hiding your country, using a false identity, or helping someone in a blocked country use LotsBack; uploading unlawful, abusive or infringing content; using the chat to extract its instructions, other users' data or outputs it is designed to refuse; and anything unlawful where you live, including tax evasion or breaching sanctions.

20Your content and LotsBack's content

The website, the application, their design, code, text, calculators, published rates, signals and the LotsBack name and marks belong to LotsBack or its licensors. LotsBack gives you a personal, non-transferable, revocable licence to use them for your own trading while you have an account. You may not copy them, scrape them, resell access to them or use them to build a competing service. Nothing here transfers ownership to you.

Journal notes and other content you enter remain yours. You give LotsBack a licence to store, process and display them to you, to use them to run the tools, and to keep them for the retention period in the Privacy notice. LotsBack does not publish your content to other users. Do not upload anything you do not have the right to share, anything unlawful, or anything containing another person's data.

Your trading records belong to you and to your broker. LotsBack uses them under the permission you give by connecting the account, only for the purposes in these terms and the Privacy notice.

Broker names and other third-party names belong to their owners and are used to identify them, not to claim any connection beyond the introducing relationship.

21Third-party sites and services

The website links to brokers, publishers, block explorers and other third parties. LotsBack does not control them and is not responsible for their content, availability, security, pricing, terms or handling of your data. A link, a logo or a programme page is not an endorsement. When you leave lotsback.com, the other site's terms apply.

LotsBack relies on third parties to run: trading-data providers, brokers' reporting feeds, an identity-verification provider, a payout provider, email and hosting providers, public blockchain networks, AI service providers such as OpenAI and Anthropic for the support assistant and the staff console assistant and, where you have connected your own key for the coach chat, the AI model provider you chose. When one of them fails, LotsBack shows the effect where it can and fixes what it can, but it does not control them.

22Holds, suspension and closing your account

LotsBack may place a line, an account or a payout on hold while it checks it, and says so in the application with the reason, except where the law prevents LotsBack from giving it. A hold pauses money; it does not remove it. LotsBack aims to resolve a hold within 30 days and tells you if it needs longer. Where a check finds a line that is not eligible, the line is rejected with the reason recorded. Where it finds a breach of these terms, LotsBack may reject the affected lines, suspend the account and, in serious cases, close it.

LotsBack may also close an account, with the reason given in writing and at least 30 days' notice by email, where the law or a sanctions rule stops LotsBack serving you, where a broker withdraws your attribution for cause, where the account has had no sign-in and no connected trading account for 24 months, where LotsBack stops operating in your country, or where it withdraws the service. Except where the law forbids it or you have acted fraudulently, every Available amount is paid to you.

You may close your account at any time from Settings. Closing it stops new lines being created. Closing your account does not pay you out: request your payout first. Anything that remains below the payout minimum stays owed to you, is not forfeited, and is paid if the minimum for a network is lowered to it; nothing is written off without telling you first. Lines still being verified when you close finish the current cycle and are then paid or rejected in the same way. Records LotsBack must keep by law are kept for their retention period.

The sections on liability, disputes, content and acceptable use continue to apply after your account is closed.

23What LotsBack is responsible for

LotsBack will run the website and application with reasonable skill and care, pay cashback under the published rate on eligible lots the broker has paid for, verify it against the broker's report, show you every change with a reason, and pay Available amounts you request to the destination you confirmed. Where LotsBack makes a mistake in a line or a payout, it corrects it as the Cashback terms describe.

Nothing in these terms limits or excludes LotsBack's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for anything else the law does not allow it to limit or exclude. If you are a consumer, nothing here takes away rights the law gives you that cannot be waived.

24What LotsBack is not responsible for

Because LotsBack is an introducer and not your broker, it is not responsible for, and does not pay compensation for:

• Trading losses of any kind, whatever their cause, including losses on trades you placed after reading anything LotsBack published or the chat generated.
• Anything your broker does or fails to do: pricing, spreads, slippage, execution, requotes, leverage changes, margin calls, stop-outs, account restrictions, delayed or refused withdrawals, or refusing or removing attribution.
• A broker becoming insolvent, losing its licence or ceasing to operate, including the loss of money you deposited with it.
• Outages, delays or errors in the website, the application, trading-data providers, broker feeds, the payout provider, an AI model provider you connected, email or hosting, including positions that import late, twice or wrongly, and estimates that later change.
• The difference between an estimate and a verified amount, or between a published rate and what the broker finally reports.
• Blockchain network failures, congestion, fee changes, forks, or a token losing its value, once a transaction is broadcast.
• A payout sent to a destination you added or confirmed wrongly, on a wrong network, or to an address you do not control.
• Your loss of access to your mailbox or authenticator, or anything done by someone you let use them.
• Decisions you take on the basis of a signal, a news item, a journal statistic or a chat answer.
• Loss of profit, loss of business, loss of opportunity, or any indirect or consequential loss.

25Limit of liability

Where LotsBack is liable to you for anything arising from these terms or your use of LotsBack, and the section on what LotsBack is responsible for does not apply, its total liability for all claims in any 12-month period is limited to the higher of two amounts: the cashback and referral commission paid or payable to you in the 12 months before the first event giving rise to the claim, and 100 US dollars.

This limit reflects that LotsBack charges you nothing for the service and that trading outcomes belong to you, your broker and the market, not to LotsBack. If you are a consumer, this limit does not apply to any liability the law does not allow LotsBack to limit.

26Your responsibility to LotsBack

If LotsBack suffers a loss, a claim from a third party, a fine or a cost because you broke these terms or the law, for example by manufacturing volume, referring yourself, hiding your country, misusing another person's account or giving a wrong payout address, you will compensate LotsBack for the reasonable losses and costs that result. This applies only to what you caused, and only to the extent you caused it. It does not apply to losses caused by LotsBack's own breach or negligence.

27Events outside anyone's control

LotsBack is not in breach of these terms, and does not owe you compensation, where it cannot perform because of something outside its reasonable control: a broker or provider outage, a blockchain network failure, a change in law or regulation, sanctions, a cyber attack, an internet or power failure, a natural disaster, war, an epidemic or an act of a public authority. LotsBack will tell you what is affected, do what it reasonably can to reduce the effect, and resume as soon as it can. Amounts already Available stay owed to you.

28Changes to these terms

LotsBack may change these terms, the Cashback terms, the Risk disclosure and the Privacy notice. A change is published here and takes effect when it is published.

Using LotsBack after a change is published is your acceptance of the changed terms; there is no separate re-acceptance step. You are not asked to tick a box again, nothing on your dashboard asks you to, and nothing in the application blocks you. The record LotsBack made when you accepted at registration shows that you agreed to LotsBack's terms; the terms in force at any time are the ones published here.

If you do not agree with a change, stop using LotsBack and close your account from Settings. Any Available amount is still paid to you. No change applies to a position closed before the change was published. A change to a broker programme or a cashback rate is not a change to these terms; the Cashback terms explain how a programme change is versioned. A change that introduces or raises a price for the tools carries the notice and the opt-in described under The services and what they cost, and nothing is ever charged without your confirmation.

29Complaints

If something goes wrong, write to support@lotsback.com with Complaint in the subject. Say what happened, which line or payout it concerns, and what you would like done. LotsBack acknowledges within 5 business days and gives a written answer with reasons within 30 days; if it needs longer, you are told why and when. Most problems are a missing line or a delayed payout, and the ledger usually settles them.

A dispute about a hold, a rejection, a correction or a blocked commission is reviewed again, by a different person wherever LotsBack has one, and the outcome is recorded on the line.

Nothing here stops you going to a court or a consumer body in the country where you live.

30General

• Transfer: LotsBack may transfer this contract, and its rights and duties under it, to a business that takes over lotsback.com, provided your rights and any amount owed to you are not reduced. LotsBack tells you in the application when that happens. You may not transfer your account or your rights under these terms to anyone.
• Severability: if a court finds part of these terms unenforceable, the rest continues, and the unenforceable part is read as the closest enforceable wording.
• Entire agreement: these terms, the Cashback terms, the Risk disclosure and the Privacy notice are the whole agreement between you and LotsBack about LotsBack. Nothing in a broker page, calculator, email, support reply or chat answer changes them. This does not exclude liability for fraud.
• No waiver: if LotsBack does not enforce a term at once, it can still enforce it later.
• Notices: LotsBack writes to the email address on your account; you write to support@lotsback.com. A notice by email is received when it is sent, unless it bounces.
• Only you and LotsBack can enforce these terms.

31Contact

Questions about these terms: support@lotsback.com. For how cashback is earned and paid, see the Cashback terms; for the risks of trading, see the Risk disclosure; for personal data, see the Privacy notice; for complaints, see the section above.