Terms of service

These terms are an agreement between you and fxapis, operated by El Wizard (business ID 207370523), Jacó, Puntarenas 61101, Costa Rica (“fxapis”, “we”, “us”). They cover the fxapis API, the web console at fxapis.com, the documentation at docs.fxapis.com and anything else we provide under the fxapis name (together, the “Service”). By creating an account, issuing an API key or otherwise using the Service, you accept these terms. If you accept them for a company or other organisation, you confirm you are authorised to bind it, and “you” means that organisation.

These terms incorporate our Privacy policy, our Data management terms, our Risk disclaimer and our Refund policy. A signed order form or enterprise agreement, where you have one, takes precedence over these terms to the extent they conflict.

1. What fxapis is — and is not

fxapis provides software that connects to MetaTrader 5 (“MT5”) trading accounts held with brokers you choose, keeps those connections available, and transmits the trading instructions you send through the API or the console. It records what happened to each instruction and makes that history available to you.

• We are not a broker, dealer, exchange, investment firm or financial adviser. We do not open trading accounts, hold client money or assets, set prices, match orders or execute trades as principal or agent. Your broker does those things, under its own terms and regulation.
• We do not decide what to trade. Every order is created by you, your software, or someone you have given access to. We do not generate signals, recommendations or strategies for you to follow, and nothing in the Service, including MarketLabs research (section 7), is investment, financial, legal or tax advice.
• We act only on instructions. We transmit the instructions received with your credentials. We do not review whether an instruction is wise, suitable for you or your end users, or permitted by your broker.
• MetaTrader and MetaTrader 5 are trademarks of MetaQuotes Ltd. fxapis is independent and is not affiliated with, endorsed by or sponsored by MetaQuotes or any broker.

2. Who may use the Service

• You must be at least 18 years old and able to enter a binding contract.
• Personal is for individuals trading their own accounts. Our other plans are intended for businesses and professional developers; if you are an individual using one for your own account, you must still meet every requirement in these terms.
• You may not use the Service if you are subject to sanctions administered by the United Nations, the European Union, the United Kingdom or the United States, or are located in, or ordinarily resident in, a country or territory subject to comprehensive sanctions, or if using it would break the law that applies to you.
• It is your responsibility to know whether the activity you use the Service for — including operating trading accounts on behalf of others, copying trades, or offering signals — requires a licence, registration or disclosure where you or your customers are, and to hold it.

3. Your fxapis account, workspace and team

• You create an account with an email address and password. You must give accurate information and keep it up to date. The person who creates a workspace is its owner and may invite others with roles that control what they can do.
• The workspace owner is responsible for everyone they invite, for the keys issued in the workspace, and for everything done with them. Remove people and revoke keys as soon as they should no longer have access.
• Keep your password confidential and tell us promptly at [email protected] if you believe your account is compromised.

Personal plans

• Personal is for one natural person's personal use, on MT5 accounts held in their own name.
• They are a software tool. We do not give advice, manage your account or trade for you; you decide every order (section 6). Trading CFDs and other leveraged products carries a high risk of losing money rapidly. Read our Risk disclaimer before you turn trading on.
• They are not for operating, managing or signalling other people's accounts, or for building a product or service for others.
• Each person may have one Personal workspace. We check this with your email address, the broker logins you connect and your sign-up device, as described in our Privacy policy.
• They do not include team members.
• Support is by email, on a best-effort basis.
• If we find a second workspace, or one used against this clause, we will tell you and give you a chance to explain. If the breach is not resolved, we may end that workspace, refunding any unused part of a period you paid in advance. You can always close positions first.

4. API keys

• API keys are credentials. Anyone holding a key can do everything its scopes allow — including placing and closing trades — and we will treat those actions as yours.
• Keep keys on servers you control. Do not put them in browsers, mobile apps, public repositories, logs, support tickets or anywhere else they could be read by others. Issue the narrowest scopes that will do the job, test with broker demo accounts (test keys are a label and reach real brokers too), and rotate keys regularly.
• We show a key once, when it is created, and cannot recover it. If a key may have been exposed, revoke it immediately in the console; revocation takes effect on its next use.

5. Connecting MT5 accounts

When you connect an MT5 account, you confirm and promise that:

• you own the account, or you have the account holder's documented, current and informed permission to connect it to the Service and to trade on it through the Service, and you will stop immediately if that permission is withdrawn;
• the broker's terms allow the account to be accessed and traded through third-party software, automated systems or an API, and you will comply with those terms, including any limits on order frequency, strategies or instruments;
• the credentials you provide are the ones the account holder intends to be used, and you will keep them up to date;
• where you connect accounts belonging to your own customers or end users, you have given them any notices and obtained any consents the law requires, including for sharing their data with us as described in our Data management terms.

We store MT5 passwords encrypted and use them only to log the account in at its broker so the Service can operate it. You can disconnect an account at any time, which erases its stored password.

6. Trading through the Service

• You decide every order. You are solely responsible for the orders sent with your credentials, including their size, direction, instrument, timing, stop loss and take profit, and for any losses, costs, margin calls or liabilities that follow.
• Execution is up to your broker. Brokers may reject, requote, delay, partially fill, re-price or close orders and positions, and may change their terms, symbols, trading hours or leverage at any time.
• Outcomes can be temporarily unknown. If a connection fails after an order is sent, we may not know whether the broker received it. We report such orders as unconfirmed and establish the result from the broker's records; you must not resend an order that is unconfirmed. Follow the retry guidance in the documentation, including the use of idempotency keys.
• Multi-account orders are not atomic. An order sent to many accounts at once produces a separate order per account; some may fill at different prices, and some may not fill at all.
• Latency and availability vary. Accounts may need time to come online, connections to brokers can drop, and performance figures we publish are measurements, not promises.
• Stop losses and take profits you set are held by your broker and generally continue to operate when an account is offline in fxapis. Any logic you run in your own systems is your responsibility.
• AI assistants. You choose the AI assistant you connect and what you ask it to do; it is provided by a third party under its own terms, and we do not control it. Orders an AI assistant sends through your connection are your orders, and you are responsible for them as if you had sent them yourself. Assistants can be wrong: they can misread a request, use out-of-date prices or place an order you did not intend. Nothing an assistant says is advice from us. Trading stays off until you turn it on for each account with a two-factor code, and you can turn it off or disconnect the assistant at any time.

7. MarketLabs (beta)

MarketLabs is the research part of the Service: trading-session hours, economic calendar entries, positioning data, reference rates, research briefs and related content (“MarketLabs content”). It is offered as a beta feature.

• Provided as is. MarketLabs is provided “as is” and “as available”, without any commitment to its availability, accuracy or completeness, in addition to section 15.
• It may change. Its features, data coverage, availability, limits and the plans that include it may change, or MarketLabs may be withdrawn, at any time — including by moving it to specific plans or to a separately paid plan or add-on. We will give notice where practical.
• No entitlement from the beta. Access to MarketLabs during the beta, on any plan, does not entitle you to keep it on that plan or at that price.
• Not advice. MarketLabs content is general information only. It is not investment, financial or trading advice, nor a recommendation to buy or sell anything, and it does not take your circumstances into account. It may contain errors, or be incomplete or delayed. MarketLabs never places a trade, and you are solely responsible for your trading decisions, including any you make after reading MarketLabs content.
• No liability for reliance. To the maximum extent permitted by law, we are not liable for any loss or damage arising from your reliance on MarketLabs content.
• Third-party data. Data from third parties remains theirs and is subject to their terms. We name sources where we use them; their availability may change without notice.

8. Acceptable use

You must not, and must not allow anyone else to:

• connect or trade any account you are not authorised to operate, or use credentials obtained without permission;
• use the Service for market manipulation, spoofing, layering, wash trading, front-running, abusive latency or price-feed arbitrage, or any other practice prohibited by law or by your broker;
• use the Service to operate an unlicensed investment, portfolio-management, brokerage or money-transmission business, or to promise or market guaranteed returns;
• use the Service for fraud, money laundering, terrorist financing, sanctions evasion, or any other unlawful purpose;
• interfere with the Service or other customers — including exceeding rate limits by design, load or security testing without our written permission, probing for vulnerabilities outside our disclosure process, or attempting to reach data that is not yours;
• reverse engineer, copy, resell or sublicense the Service, or use it to build a competing service, except as the law expressly permits;
• create more than one workspace, or use different identities, devices or networks, to obtain additional free trials;
• share accounts or keys between unrelated organisations, or misrepresent who you are or who you act for.

If you find a security vulnerability, report it to [email protected] and give us reasonable time to fix it before disclosing it.

9. Plans, fees and payment

• Plans, prices, allowances and features are those shown on our pricing and billing pages when you subscribe, or in your order form. Prices are in US dollars unless stated otherwise and exclude taxes, which you are responsible for where they apply.
• Card plans are billed monthly or yearly in advance and renew automatically for the same period at the price then in force until you cancel. You can cancel online at any time from billing in the console; the plan then runs to the end of the period you have paid for. Crypto plans are paid a period at a time and do not renew by themselves. Card payments are processed by our payment provider; cryptocurrency payments are processed by our crypto payment provider. We never receive your full card number.
• Usage above your plan's allowance may be charged as overage where your plan allows it, up to the ceiling described in the documentation, after which new orders are refused. Closing positions and cancelling orders is never refused for billing reasons.
• We do not offer a free plan. We may offer a free trial and may change or withdraw it. Free trials are limited to one per person or organisation. We decide who is eligible and may decline a trial, or end one early, where we reasonably believe it repeats an earlier trial — for example several workspaces run by the same person — or uses false or throwaway details. We make this decision using the signals described in our Privacy Policy. A declined or ended trial does not stop you from choosing a paid plan. A workspace without a paid plan, including one whose trial has ended, can still close positions and cancel orders but cannot connect accounts or open new trades.
• Personal has the fixed monthly allowances shown on our pricing page, with no overage. When the opening-execution allowance is used up, new opening orders are refused until the 1st of the next month (UTC); closing positions and cancelling or changing orders are never refused. Always-on, where you add it to Personal, is charged at the price shown for the days it is on, after each month.
• We may change prices for future billing periods with at least 30 days' notice; a new price applies from your next renewal, and you can cancel before then if you do not accept it. Cancellation and refunds are governed by our Refund policy.
• If a payment fails, we may retry it and, if it cannot be collected, end the paid plan. We may suspend access for accounts with amounts overdue after notice, but never in a way that prevents you from closing positions.

10. Availability, changes and support

• We work to keep the Service available and reliable, but it is provided without a service-level commitment unless you have a signed agreement that includes one. Maintenance, incidents at our providers or your broker, and events outside our control can interrupt it.
• We may change the Service, including adding or removing features, and will give reasonable notice of changes that remove functionality you rely on or break the documented API. We version the API and publish changes in the changelog.
• During a security or stability incident we may temporarily switch off trading for a workspace or the platform. We will tell affected customers as soon as practical.
• Support is provided by email at [email protected], on a reasonable-efforts basis unless your agreement says otherwise.

11. Your data

• You own the data you and your systems provide to the Service and the records it creates of your activity (“Customer Data”). You give us the rights we need to host, process and transmit it to provide, secure and support the Service.
• We process personal data as described in our Privacy policy, and personal data within Customer Data as your processor under our Data management terms.
• We may use aggregated, de-identified information about how the Service is used — which cannot identify you, your end users or your trading — to operate and improve it.

12. Our intellectual property

The Service, including its software, documentation, design and the fxapis name and logo, belongs to us and our licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription in line with these terms. Sample code in the documentation may be used freely in your own integrations. If you send us feedback, we may use it without obligation to you.

13. Confidentiality

Each of us will keep the other's non-public information confidential, use it only for the purposes of this agreement, and protect it with at least reasonable care. This does not apply to information that is public through no fault of the recipient, was already known to it, is independently developed, or must be disclosed by law — in which case the recipient will give notice where lawful.

14. Suspension and termination

• You may stop using the Service and close your account at any time. Cancel any paid plan first.
• We may suspend or terminate your access, or disconnect accounts, with notice where practical, if you materially breach these terms, if we reasonably believe your use is unlawful, unauthorised or harmful to the Service, other customers, account holders or brokers, if required by law or a competent authority, or for non-payment.
• Where we can do so safely and lawfully, we will let you close open positions and export your data before access ends. After termination we delete or retain data as described in our Data management terms.
• Sections that by their nature should survive termination — including fees owed, disclaimers, limitation of liability, indemnity, confidentiality and governing law — survive it.

15. Disclaimers

To the fullest extent the law allows, the Service is provided “as is” and “as available”. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement and uninterrupted or error-free operation. We do not warrant any trading result, execution quality, price, latency or broker behaviour. Our Risk disclaimer forms part of these terms.

16. Limitation of liability

• To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, trading gains, business, goodwill or data, however caused.
• In particular, we are not liable for trading losses, missed or delayed trades, slippage, requotes, broker rejections, margin calls or stop-outs, or for the acts or omissions of brokers, MetaQuotes, payment providers, hosting providers or other third parties.
• Our total liability arising out of or relating to the Service in any twelve-month period is limited to the fees you paid us for the Service in the twelve months before the event giving rise to the claim, or US$100 if you paid nothing.
• Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by negligence.
• If you are a consumer, nothing in these terms limits our liability for intent or gross negligence, or takes away rights that consumer law where you live gives you and that cannot be excluded or waived, including rights about the quality of the Service. The limits in this section apply only as far as that law allows.

17. Indemnity

You will defend and indemnify us, and our officers, employees and contractors, against claims, losses, fines and reasonable costs (including legal fees) arising from: your trading or your customers' trading through the Service; any account you connect without proper authority; your breach of these terms, your broker's terms or the law; or services you provide to your own customers using the Service.

18. General

• Changes to these terms. We may update these terms. We will give at least 30 days' notice by email or in the console of changes that materially reduce your rights; other changes take effect when published. Continuing to use the Service after a change takes effect means you accept it. If you do not accept such a change, you can cancel before it takes effect and we refund any unused part of a period you paid in advance.
• Force majeure. Neither party is liable for failure or delay caused by events beyond its reasonable control, including failures of brokers, networks, hosting or payment providers, and acts of government.
• Assignment. You may not transfer this agreement without our consent. We may transfer it to an affiliate or to a successor to our business, with notice.
• Governing law and disputes. These terms are governed by the laws of Costa Rica, without regard to conflict-of-law rules. Disputes will be heard exclusively by the competent courts of the Republic of Costa Rica, except that either party may seek urgent injunctive relief anywhere. Before bringing a claim, each party will try in good faith to resolve the dispute by written notice and discussion for at least 30 days. If you are a consumer, this choice of law and courts does not take away the protection of the mandatory consumer law of the country where you live, or your right to bring a claim in its courts where that law allows; and the 30-day step does not stop you from complaining to a consumer authority, such as Costa Rica's Comisión Nacional del Consumidor. Complaints can be sent to [email protected].
• Entire agreement. These terms and the documents they incorporate are the whole agreement between us about the Service. If any part is unenforceable, the rest remains in effect. A failure to enforce a right is not a waiver of it.
• Notices. We send notices to the email address of your workspace owner. Send notices to us at [email protected] and, for formal notices, to Jacó, Puntarenas 61101, Costa Rica.