General Terms & Conditions

1. INTRODUCTION AND ACCEPTANCE

1.1 These General Terms & Conditions (the “GTC” or “Agreement”) govern the rights and obligations in connection with the use of services through the website www.hi2morrow.com (the “Website”) and all associated platforms, applications, and services.

Please read these GTC carefully. You are under no obligation to use the Services should you not agree or understand any section of these GTC. Do not use the Services unless you fully understand and agree to the Terms contained within these GTC.

1.2 These GTC are entered into by you (“you”, “your”, “User”, “Client”, or the “Trader”) and Hi2morrow and its group entities (collectively, the “Company”, “Hi2morrow”, or “we”).

1.3 These GTC constitute a binding contract between you and the Company. In the event of any inconsistency between these GTC and other agreements (including any contractor agreement for real capital), these GTC shall prevail for the qualification phase unless expressly stated otherwise.

1.4 Hi2morrow provides simulated trading qualification and assessment services only during the Qualification Program phase. Hi2morrow and its group entities are not licensed to offer investment services in all jurisdictions, do not accept client deposits for trading, do not act as a broker or counterparty in the qualification phase, and do not provide investment advice. All qualification accounts are virtual and simulated. No real financial instruments are traded during qualification. Any real capital allocation occurs exclusively under separate written agreements with the relevant group entity.

2. GENERAL PROVISIONS

2.1 By accessing, registering, using, and/or clicking on “I agree” to accept the Services provided by the Company, you confirm that you have read, understood, accepted, and agreed to be bound by all of the terms and conditions stipulated within these GTC (the “Effective Date” of this Agreement), as well as Hi2morrow’s Privacy Policy, Cookie Policy, and Risk Disclosure Statement available on the Website.

You acknowledge that your access to and use of the Services may be restricted or prohibited by law in some jurisdictions, and you undertake to access and use the Services only in accordance with applicable laws.

2.2 The Services consist of the provision of instruments for simulated trading assessment in the US equity markets (NYSE, NASDAQ, AMEX), access to simulated trading accounts for qualification purposes (“Qualification Accounts” or “Simulated Assessment Accounts”), analytical tools, training and educational materials, community features (unlocked upon successful qualification), and any other accompanying services.

2.3 You may order the Services through the Website by completing the appropriate registration or order form. After registration and payment, we will email you the login details for the Client Section and/or Trading Platform and enable your access.

2.4 No Financial or Brokerage Advice. The Company and its group entities are not acting in the capacity of your broker, intermediary, agent, or advisor and have no fiduciary relationship or obligation to you in connection with any transactions or activities you undertake when using our Services. We do not provide investment or consulting advice of any kind. No communication or information provided by us is intended to constitute investment advice.

2.5 By agreeing to these GTC, you represent that you are at least 18 years of age (or above the legal age of capacity in your country of residence), and that you are accessing the Services solely from a country in which the Services are lawfully made available.

3. DEFINITIONS, EXPRESSIONS AND ABBREVIATIONS

For the purposes of this Agreement, the following definitions shall have the following meanings:

3.1 “Calendar day” means every full 24-hour calendar day, including weekends and public holidays, based on the current time in the Republic of Cyprus (or as otherwise specified for the Qualification Program).

3.2 “Client Section” means the secure user interface located on the Website through which the Customer manages their Qualification Accounts, profile, payments, and Services.

3.3 “Content” means the Website and all Services, including the Client Section, their appearance, structure, and all applications, data, information, multimedia elements, and any other materials forming part of the Website or Services.

3.4 “Customer”, “you”, “your”, or “Trader” means any natural person or legal entity entering into these GTC with Hi2morrow.

3.5 “Daily Loss Limit” means the maximum permitted loss (realized and unrealized) that may occur within a single trading day on a Qualification Account. Daily Loss Limits vary by qualification tier and are defined on the Website and in the Qualification Rules.

3.6 “Drawdown” means the maximum allowable loss (expressed as a percentage of the initial buying power) that may occur before the account breaches. Drawdown rules may be static or trailing and are defined per qualification program on the Website.

3.7 “Equity” means the total value of a Trader’s simulated account, including open positions (floating P&L) and closed balance.

3.8 “Forbidden Trading Practices” or “Prohibited Practices” means any trading practices or strategies prohibited whilst using Hi2morrow Services, as detailed in Section 11 and the Qualification Rules published on the Website.

3.9 “GTC” means these General Terms & Conditions of Hi2morrow.

3.10 “Intraday Trading Period” means the specific trading window during which qualification trading must occur. Overnight holding, pre-market, after-hours, and swing trading are not permitted during the Qualification Program unless explicitly allowed for a specific tier.

3.11 “Profit Target” means the minimum simulated profit required to successfully complete a Qualification Program, as defined per tier on the Website.

3.12 “Qualification Program” or “Qualification” means any paid simulated assessment program offered by Hi2morrow for the purpose of evaluating trading skill, discipline, risk management, and consistency. This includes all tiers (Potential, Advanced, Pro, Premium, Elite, etc.).

3.13 “Qualification Account” or “Simulated Assessment Account” means any virtual trading account provided by Hi2morrow for the purpose of simulated trading assessment. All trading is simulated and does not involve real financial instruments or real capital.

3.14 “30% Consistency Rule” (or “30% Rule”) means the rule requiring that the largest single-day simulated profit does not exceed 30% of the total simulated profit achieved during the Qualification Program (or as otherwise precisely defined in the Qualification Rules and examples published on the Website). Traders must continue trading to dilute any oversized day if necessary to meet this threshold.

3.15 “Reward” or “Payout” means any results-based compensation. During the Qualification Program phase, no such rewards are provided. Any profit sharing or compensation arises only under separate agreements for real firm capital allocation.

3.16 “Services” means all services provided by Hi2morrow to the Trader under these GTC, including qualification programs, platform access, educational content, and community features (where unlocked).

3.17 “Simulated Account” means any virtual trading account provided for assessment purposes. All trading is simulated using real-time market data feeds but does not involve real execution or real capital.

3.18 “Trading Platform” means the electronic interface through which the Customer performs simulated trades during qualification.

3.19 “Trader’s Elevator” means Hi2morrow’s step-by-step growth system for qualified traders, potentially leading to increased capital allocation under separate agreements with group entities.

3.20 “Website” means www.hi2morrow.com and all subdomains and related platforms.

4. SERVICES AND INFORMATION

4.1 Hi2morrow’s obligation under these GTC is to provide the Customer with access to instruments for simulated trading assessment in US equity markets, access to simulated Qualification Accounts, analytical tools, training materials, and related services enabling the Customer to complete the qualification process.

The data feed used within the Services is a simulated representation of real market conditions on NYSE, NASDAQ, and AMEX, incorporating realistic spreads, slippage, and execution logic as disclosed.

4.2 When using the Services, the Customer undertakes to act in accordance with these GTC, all relevant legal regulations, and any other rules applicable based on their jurisdiction.

4.3 Hi2morrow shall not provide Services to any Customer who: (i) is a resident and/or national of a Restricted Jurisdiction; (ii) is incorporated or maintains a registered office in a Restricted Jurisdiction; (iii) is subject to international sanctions; or (iv) has a criminal record relating to financial crime, fraud, or terrorism.

Restricted Jurisdictions include (but are not limited to) countries on FATF, EU, UN, and OFAC sanctions lists, and specifically: Democratic People’s Republic of Korea (DPRK), Iran, Myanmar, Cuba, Russian Federation, Afghanistan, Iraq, Crimea, Donetsk, Syria, Yemen, Palestinian Territory, United States of America (for certain services), and others as published on the Website or AML Policy. The list may be updated at any time. Traders are responsible for confirming eligibility.

4.4 All data provided by the Customer must be complete, accurate, and up-to-date. The Customer must immediately notify Hi2morrow of any changes.

5. TRADER’S OBLIGATIONS

5.1 The Trader shall provide Hi2morrow with all necessary cooperation and access to information required.

5.2 The Trader shall comply with all applicable laws and regulations.

5.3 The Trader shall ensure that any authorised users comply with these GTC.

5.4 The Trader shall obtain and maintain all necessary licenses, consents, and permissions required.

5.5 The Trader shall ensure that their network, devices, and systems comply with technical specifications.

5.6 The Trader is solely responsible for their network connections and telecommunications links.

6. SYSTEMS ACCESS – USER RIGHTS & OBLIGATIONS

6.1 Subject to compliance with these GTC, Hi2morrow grants the Trader a non-exclusive, non-transferable right to use the Services.

6.2 User subscriptions may not be shared. Each authorised user shall maintain secure, confidential passwords and change them regularly.

6.3 The Trader shall not access, store, distribute, or transmit any unlawful, harmful, defamatory, or otherwise prohibited material.

6.4 The Trader acknowledges responsibility for procuring and maintaining technical equipment and software at their own risk and expense.

6.5 Hi2morrow does not warrant compatibility with any specific equipment or software.

7. LEGAL & REGULATORY NATURE OF SERVICES

7.1 The Trader acknowledges and accepts the following:

7.1.1 No result or performance provided during the Qualification Program may be considered investment services or investment activities. Hi2morrow does not receive or execute trading instructions for real markets, does not provide investment advice, does not manage assets, and does not act as counterparty during qualification.

7.1.2 The Services do not constitute regulated investment services under Cyprus law or comparable frameworks in all jurisdictions. You are not entitled to investor protections such as investor compensation schemes or financial ombudsman protections in relation to the qualification phase.

7.1.3 All trading during qualification is simulated only. Execution of a simulated trade does not constitute an instruction to trade in real financial markets.

7.1.4 Hi2morrow is not the counterparty to any simulated trades. No real financial instruments are bought or sold during qualification.

7.1.5 The simulated capital/buying power has no monetary value outside the Services. The Trader has no right, title, or ownership to it beyond use within the Qualification Program. Hi2morrow retains all rights and ownership.

7.1.6 There are no results-based payouts or rewards for simulated performance in the Qualification Program. Any profit sharing or compensation is available only under separate contractor or employment agreements for real firm capital allocation with group entities (e.g., Neoway Trading LTD).

7.1.7 Performance in the Qualification Program is not indicative of real-market trading results. Past simulated performance is not a guarantee of future results.

7.1.8 If access to the Client Section is cancelled for any reason, the Trader loses access to all Qualification Accounts and Services without entitlement to compensation or refund (except where required by mandatory consumer law).

7.1.9 Trading Platform operators (e.g., any third-party platform used) are independent. Hi2morrow bears no responsibility for platform inaccuracies, delays, or interruptions.

7.1.10 Hi2morrow reserves the right to limit or terminate Services to any person who misuses systems, including but not limited to abuse of backend systems, latency arbitrage, HFT strategies that exploit inefficiencies, VPN/VPS/datacenter usage for rule circumvention, IP sharing, or any other prohibited activity.

7.1.11 Hi2morrow reserves the right to terminate accounts and restrict access for Customers who breach these clauses. Terminated accounts are not eligible for refunds and forfeit any eligibility or progress.

8. HI2MORROW’S OBLIGATIONS

8.1 Hi2morrow shall provide the Services with reasonable skill and care, in accordance with these GTC.

8.2 Hi2morrow does not warrant that the use of the Services will be uninterrupted or error-free, or that they will meet the Trader’s specific requirements.

8.3 Hi2morrow is not responsible for delays, delivery failures, or losses resulting from the transfer of data over communications networks, including the internet.

8.4 Hi2morrow may enter into similar agreements with third parties and may independently develop similar products and services.

9. PAYMENT TERMS

9.1 The fees payable for Qualification Programs are set out on the Website and vary by tier (Potential, Advanced, Pro, Premium, Elite, etc.).

9.2 All service charges are inclusive of applicable taxes unless otherwise stated. The Trader is responsible for their own tax obligations.

9.3 Payment may be made by payment card, bank transfer, or other methods available on the Website.

9.4 All fees are non-cancellable and non-refundable after the Trader has accessed the Qualification Account, placed any trade, or after any applicable cooling-off period required by mandatory consumer law has expired. Fees are paid for access to the assessment infrastructure, technology, data, and evaluation process.

9.5 Hi2morrow reserves the right to unilaterally change the fees and parameters of the Services at any time. Changes do not affect already purchased qualifications.

9.6 The fee is considered paid when its full amount is credited to Hi2morrow’s account.

9.7 If a Trader initiates an unjustified dispute or chargeback, Hi2morrow may immediately suspend or terminate Services, forfeit eligibility, and deny future access at its sole discretion.

10. CLIENT SECTION AND TRADING PLATFORM

10.1 Each Trader is permitted to maintain only one Client Section. All Services must be managed through this single section.

10.2 Initial buying power allocations may not be transferred or combined between different Qualification Programs unless expressly permitted.

10.3 Access is protected by login credentials. The Trader must not disclose credentials to any third party and is fully responsible for all activity under their account.

10.4 The Services may not be available 24/7 due to maintenance, upgrades, technical issues, or third-party interruptions. Hi2morrow bears no liability for unavailability or data loss.

10.5 The Trader may request cancellation of their Client Section at any time by emailing the designated support address.

10.6 The Trader has the right to cancel this Agreement within any mandatory cooling-off period (e.g., 7 or 14 days depending on jurisdiction) without stating a reason, provided no trades have been placed and the request is submitted in writing within the period.

10.7 Hi2morrow may set maximum total active allocation limits per person across all Qualification Accounts. These limits may be amended at Hi2morrow’s discretion.

10.8 The creation or use of multiple profiles, additional email addresses, or accounts accessed by the same individual, device, or IP address is strictly prohibited and may result in immediate termination and blacklisting.

11. PROHIBITED PRACTICES & STRATEGIES

11.1 All Traders agree to comply with these GTC, the Qualification Rules, Product Statement, and Trading Rules published on the Website. These collectively form a legally binding framework.

The following practices are strictly prohibited and constitute a breach of these GTC:

• Maximum Drawdown or Daily Loss Limit violations
• Inactivity breaches (as defined per program, e.g., 30 days)
• High-Frequency Trading (HFT)
• Tick scalping or any strategy designed to exploit platform or data feed inefficiencies
• Martingale, grid, or gambling/over-leveraging strategies
• Copy trading, mirroring, or reverse trading across accounts (including across different users or firms)
• Statistical arbitrage, latency arbitrage, spread arbitrage, gap exploitation
• Overnight holding, pre-market, after-hours, or swing trading during the Qualification Program (unless explicitly permitted for a specific tier)
• VPN, VPS, datacenter, or server usage intended to circumvent rules or detection
• IP sharing or coordinated activity between multiple users or accounts
• Hedging across accounts
• Any attempt to circumvent Hi2morrow’s systems, rules, or evaluation processes
• Violation of the 30% Consistency Rule (largest daily profit exceeding the defined percentage of total profit without sufficient dilution through continued trading)
• Any other practice that Hi2morrow, at its sole discretion, determines to be abusive, manipulative, or inconsistent with the spirit of the Qualification Program

11.2 If a Trader engages in any prohibited practice, Hi2morrow may:

• Deem the Qualification failed
• Remove violating trades from history or profit calculations
• Automatically close positions
• Immediately terminate all Services and this Agreement
• Forfeit any eligibility or progress

11.3 Hi2morrow reserves the right, at its sole discretion, to determine whether any trade, strategy, or pattern constitutes a prohibited practice. Rules may be updated periodically; it is the Trader’s responsibility to remain informed.

12. ENHANCED DUE DILIGENCE (EDD) & RISK TEAM VERIFICATION

12.1 In certain circumstances, Hi2morrow may require additional verification to ensure legitimacy, compliance, and integrity. This may include detailed interviews (video or otherwise), documentation requests (ID, proof of residence, strategy explanations), and ongoing monitoring.

12.2 Failure to comply with EDD processes (including refusal to participate in interviews or provide documentation) may result in suspension, termination, exclusion of results, or cancellation of eligibility without refund.

12.3 All information collected during EDD is handled in accordance with the Privacy Policy and applicable data protection laws.

13. DISCLAIMER – SIMULATED OR HYPOTHETICAL PERFORMANCE

13.1 Simulated results do not represent real trading. Because simulated trades are not executed in real markets with real counterparties:

• Results may under- or over-compensate for factors such as liquidity, slippage, volatility, and execution latency
• Simulated performance may differ materially from real-market outcomes
• Leverage magnifies both gains and losses

All trading within the Qualification Program is simulated. No real financial instruments are traded.

14. LIMITATION OF LIABILITY

14.1 The Services and all related content are provided “as is”, with all faults, defects, and limitations. Use of the Services is entirely at the Customer’s own responsibility and risk.

14.2 To the maximum extent permitted by mandatory legal regulations, Hi2morrow disclaims all warranties – statutory, contractual, express, or implied.

14.3 To the extent permitted by law, Hi2morrow is not liable for any indirect, incidental, special, punitive, or consequential damages, including loss of profits, data, or non-monetary harm arising from use of the Services or reliance on any content.

14.4 In case Hi2morrow’s responsibility is established by a competent authority, such responsibility shall be limited to a maximum amount of €10,000 (or equivalent) or the fees actually paid by the Trader for the specific Service, whichever is lower.

14.5 Hi2morrow is not responsible for failure to provide Services due to force majeure, technical issues beyond its control, legal obligations, or decisions of public authorities.

15. PROMOTIONS, DISCOUNTS & SPECIAL OFFERS

15.1 Promotions may be subject to their own specific terms. By participating, the Customer agrees to those terms in addition to these GTC.

15.2 Hi2morrow reserves the right to modify, suspend, or withdraw any Promotion at any time. In case of inconsistency, Promotion Terms shall prevail for the specific Promotion.

16. REWARDS, PAYOUTS AND FUNDED PHASE

16.1 Qualification Phase: Hi2morrow does not provide any results-based payouts, profit sharing, signing bonuses, or compensation based on simulated trading results or Qualification Program performance. Fees paid are solely for access to the assessment service.

16.2 Transition to Real Firm Capital: Successful completion of a Qualification Program does not create any automatic right, entitlement, or offer to receive real firm capital, a funded account, or any ongoing commercial relationship. Any allocation of real firm capital, if offered, is granted at the sole discretion of Hi2morrow and the relevant group entity (e.g., Neoway Trading LTD) and is subject to:

• Full KYC/AML verification and Enhanced Due Diligence
• Execution of a separate written contractor, trader agreement, or employment agreement
• Additional risk, compliance, operational, and fit-and-proper review
• Agreement to the specific terms of the funded program (including profit split, risk parameters, and Trader’s Elevator scaling)

16.3 Real firm capital allocation and live trading (if any) are provided exclusively under separate agreements with the group entities and are not governed by these GTC. Live orders, where applicable, may be executed via Direct Market Access on an A-Book basis through the Execution Entity.

16.4 Any profit sharing or compensation in the funded phase is calculated exclusively on verified real trading P&L under the terms of the separate agreement.

17. AFFILIATE PROGRAM

17.1 By registering for the Hi2morrow affiliate program and using the affiliate link, the Affiliate accepts and agrees to be bound by these GTC and any separate Affiliate Terms.

17.2 The Affiliate shall promote Services only through lawful channels, using the unique link unaltered, with accurate and non-misleading descriptions. No guaranteed-income or performance claims are permitted without prior written consent.

17.3 Affiliate rewards become payable only where a referred user completes a valid, non-refunded/charged-back purchase within the attribution window.

17.4 Self-referrals, referrals of related parties, or circumvention attempts are prohibited and result in forfeiture of rewards.

17.5 Hi2morrow may suspend, terminate, or withhold rewards from any Affiliate at its sole discretion, including for brand-damaging conduct or suspicious activity.

18. DATA AND INTELLECTUAL PROPERTY

18.1 Your personal data is processed in accordance with the Hi2morrow Privacy Policy, which forms an integral part of these GTC.

18.2 Hi2morrow retains all rights, title, and interest in and to all data generated, collected, or processed through the Services, including simulated trading data, performance metrics, and platform usage data.

18.3 Hi2morrow may use aggregated or anonymised trading data for internal analytics, risk modelling, product development, and operational purposes. The Trader is not entitled to any remuneration from such use.

18.4 The Trader is solely responsible for exporting or saving any information they wish to retain. Hi2morrow is not liable for data loss.

19. CONFIDENTIALITY, IP PROTECTION & COMPLIANCE WITH POLICIES

19.1 Each Party shall keep confidential all non-public information relating to the other Party’s business, systems, technology, trading rules, and performance data.

19.2 The Trader shall not copy, modify, reverse engineer, create derivative works from, or commercially exploit the Services, Content, or Documentation.

19.3 The Trader shall not make any public announcement regarding these GTC or the relationship with Hi2morrow without prior written consent (except where required by law).

19.4 The Trader shall not leave unsubstantiated, inaccurate, or unnecessarily harmful public reviews.

19.5 Hi2morrow’s Website uses cookies. By using the Services, the Trader consents to their use in accordance with the Cookie Policy.

20. VARIATION

20.1 Hi2morrow shall be entitled to make reasonable variations to these GTC. Updated terms will be posted on the Website and shall be effective immediately upon notification, acceptance, or further use of the Services by the Trader.

21. ASSIGNMENT

21.1 The Trader shall not assign, transfer, or deal with any rights or obligations under this Agreement without prior written consent.

21.2 Hi2morrow may at any time assign or transfer its rights and obligations.

22. NOTICES & COMMUNICATION

22.1 All communication from Hi2morrow will take place via the registered email address of the Customer.

22.2 All communication from the Customer must take place via the designated support email (e.g., support@hi2morrow.com or legal@hi2morrow.com as published).

22.3 Written communication includes email.

23. COMPLAINTS & DISPUTES

23.1 Hi2morrow aims to resolve all issues promptly and fairly.

23.2 If the Trader wishes to submit a complaint, they must follow the Complaints Procedure published on the Website:

1. Contact support via email or live chat for initial resolution.
2. If unresolved, submit a formal complaint to the designated complaints email. Hi2morrow will acknowledge within 5 business days and aim to provide a final response within 30 days.
3. If still dissatisfied, the matter may be escalated in accordance with the Governing Law section.

23.3 The Trader must provide full name, account details, a clear description of the issue, supporting evidence, and the resolution sought.

24. INDEMNITY

24.1 The Trader shall indemnify, defend, and hold harmless Hi2morrow, its group entities, officers, employees, and agents from all claims, actions, losses, damages, expenses, and costs (including legal fees) arising from the Trader’s breach of these GTC, misuse of the Services, violation of laws, or use inconsistent with the rules.

24.2 This indemnity does not apply to losses caused by Hi2morrow’s fraud or gross negligence to the extent prohibited by mandatory law.

25. TERM AND TERMINATION

25.1 These GTC are concluded for an indefinite period.

25.2 Either Party may terminate these GTC without specifying any reason by serving written notice. In such case, the Qualification Account will be cancelled immediately.

25.3 These GTC shall also terminate when the Trader loses access to the Client Section for any reason.

25.4 Upon termination, the Trader shall return or destroy all materials lent by Hi2morrow and shall not retain copies.

25.5 Hi2morrow may withdraw from these GTC with immediate effect if required by changes in legislation, regulatory practice, or supervisory authority decisions. The Trader shall have no claims against Hi2morrow in such cases.

26. ENTIRE AGREEMENT

26.1 These GTC, together with the Privacy Policy, Cookie Policy, Risk Disclosure, Qualification Rules/Product Statement published on the Website, and any other supplementary agreements, constitute the entire agreement between the Parties and supersede all prior agreements relating to the subject matter.

27. COUNTERPARTS

27.1 These GTC may be executed in one or more counterparts, which together shall constitute one and the same agreement.

28. GOVERNING LAW & JURISDICTION

28.1 These GTC shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflict-of-law principles. Where the primary contracting entity is the UAE entity, the laws of the Emirate of Dubai may apply supplementarily or as designated for specific services.

28.2 The Parties irrevocably agree that the courts of the Republic of Cyprus shall have exclusive jurisdiction over any dispute arising out of or relating to these GTC, the Services, or the relationship between the Parties, subject to any mandatory consumer protections in the Trader’s country of residence.