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  • Client Money Protection 

    At Finspreads you can trade safe in the knowledge that your funds are protected, as we operate in accordance with the Financial Conduct Authority's rules on client money.

    Segregated Funds 

    As a retail client, your funds are held in segregated accounts, separate from Finspreads' own funds. This means that as a retail client, any funds you have transferred to us will be held on trust for you at all times. Finspreads also participates in the FCA’s Financial Services Compensation Scheme, where you may be eligible for cover up to £50,000. See our Terms and Policies for more information. 

    Why Trade with Finspreads? 

    Finspreads is an established brand and has over 17 years’ experience in financial trading in the UK. 

    Finspreads is a trading name of GAIN Capital UK Limited, a subsidiary of GAIN Capital Holdings, Inc (NYSE: GCAP), a global leader in online trading. GAIN Capital UK Ltd is authorised and regulated by the Financial Conduct Authority.

    As well as our Finspreads office in London, Gain Capital have offices in the United States, Australia, China and Singapore. Today, Gain Capital owns other such leading global brands as City Index, Forex.com and IFX Markets. 

    Centrally Cleared Trades 

    What are Centrally Cleared Trades? 

    In anticipation of planned changes by the European Union and the G20 to ensure all OTC (Over-The-Counter) derivatives are cleared through central counter parties and in the hope that this will offer you – our clients – better protection, we may designate some markets as being cleared through a clearing house. 

    For all Centrally Cleared Trades, we may transfer margin we hold as ‘Client Money’ to the clearing house to support your trades. Once transferred to the clearing house they will deal with it in accordance with their own clearing house rules. 

    However, your money will be held by the clearing house in a segregated client transaction account for our clients that may not be combined with any other account. 

    The clearing house will have no right to set‐off against the client transaction account any amounts owing to the clearing house on any other account. 

    Is my Money Protected Through Centrally Cleared Trades? 

    Your money has always been and will always remain protected with us in full compliance with FCA rules. 

    Finspreads uses the leading global independent clearing house, LCH.Clearnet, which is overseen by the regulator in each jurisdiction in which it operates (including the Financial Conduct Authority in the UK). LCH.Clearnet provides services to major international exchanges and platforms, as well as a range of OTC markets. By assuming the counterparty risk, LCH.Clearnet underpins many important financial markets, facilitating trading and increasing confidence within the market. 

    Only your margin will be transferred to the clearing house and they will hold that money in a segregated client transaction account that may not be combined with any other account. The clearing house will have no right to set-off against the client transaction account any amounts owing to the clearing house on any other account.

    Irrespective of protections that we put in place under the FCA Rules, contingent risks remain so that in the unlikely event that either the clearing house or we become insolvent you may not receive back all of the monies in which you have a proprietary claim. However, in the event of our insolvency you may be entitled to compensation under the Financial Services Compensation Scheme as explained in our General Terms. 

    For further information please see our Risk Warning Notice for more information.

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