Terms of use

These Terms of Use (the "Terms") are a legally binding agreement between you and Caldwell Fox Capital ("we", "us", "our"), the operator of caldwellfoxcapital.com, login.caldwellfoxcapital.com, app.caldwellfoxcapital.com, help.caldwellfoxcapital.com, and related applications (together, the "Services").

The Services provide access to a private investment desk. Crypto assets and listed US equity names may be held on the same account. Each account is assigned a dedicated agent. Nothing on the Services is an offer to the public at large in any jurisdiction where that would be unlawful.

We are not a bank, building society, or deposit-taking institution. Balances on the account are not deposits, are not covered by FDIC, FSCS, or similar schemes, and may not be segregated as client money under a statutory trust unless we tell you otherwise in writing.

By creating an account, ticking the acceptance box, signing in, or using the Services, you agree to these Terms and to the Privacy Policy. If you do not agree, do not use the Services.

If you open a business or institutional account, the individual who accepts these Terms confirms they have authority to bind that organisation. The organisation and that individual are jointly responsible for compliance.

We may refuse an application, limit features, or close an account where we cannot complete identity checks, where the account would be unlawful to serve, or where the relationship is not appropriate for the desk.

You must be at least 18 years old and have full legal capacity. You must not be a person with whom we are prohibited from dealing under sanctions, anti-money-laundering, or other applicable law.

The Services are not directed at persons in jurisdictions where offering or using them would require a licence we do not hold, or where use would be illegal. You are responsible for determining whether you may use the Services where you live.

You must not use the Services if you are located in, organised in, or ordinarily resident in a comprehensively sanctioned country, or if you are on a sanctions list maintained by the United Nations, the United States, the United Kingdom, the European Union, or another authority that applies to us.

You may hold one personal account unless we agree otherwise in writing. Business desks are opened only after we accept the legal name, signers, and supporting documents.

You must keep login credentials confidential. You are responsible for activity on the account unless you have told us promptly that the login was stolen and we have had a reasonable time to disable it. Staff will never ask for your password or authenticator codes by email or chat.

You must keep the email, phone, and address on the account current. Notices we send to that email are deemed received when sent, unless we receive a bounce that we can reasonably act on.

Sessions expire. We may require email confirmation, a one-time code, and an authenticator app. We may lock the account after failed attempts or unusual activity.

We apply customer due diligence. You must give your legal name, date of birth, residential address, and a government-issued identity document, and such other information as we reasonably request. For a company, that includes incorporation papers, ownership, and authorised signatories.

You confirm that information and documents you provide are true, complete, and not misleading. You must tell us without delay if they change.

We may freeze deposits, trading, or payouts, or close the account, if checks are incomplete, inconsistent, or fail, or if we reasonably suspect fraud, money laundering, terrorist financing, sanctions evasion, or other unlawful activity. We may do so without prior notice where the law requires or permits it.

We retain identity and transaction records for the period required by law and our internal policy, which will not usually be less than five years after the relationship ends.

You may fund in the currencies and assets we list for the account, typically including USD, EUR, GBP, CAD, and supported crypto assets. We may change accepted rails, minimums, and maximums.

The first deposit on a new account is subject to a floor and a ceiling that we or your agent communicate. Later deposits follow the limits then in force for the book.

A deposit is credited only when we have accepted it onto the ledger. Bank wires, card payments, and blockchain transfers can be delayed, returned, or lost outside our control. Crypto sent to the wrong asset, network, or address may be unrecoverable. You bear that risk unless the error was ours.

We may return or reject a deposit that does not match the name on the account, that arrives from an unapproved source, or that we cannot lawfully accept.

If the first funded deposit on a new account does not show a profit on the desk book, you may request return of that first deposit amount, in full, subject to this section. This is a contractual refund of that first deposit only. It is not insurance, not a guarantee of later performance, and not a right to unwind later deposits or trading profits and losses.

The refund applies only to the first deposit that we actually credit. It does not apply if you have already withdrawn that amount, if identity checks are incomplete, if the account is used for abuse, wash activity, or fraud, or if returning the funds would break the law.

Later deposits, conversions, and trades are ordinary activity. Prices move. You can lose money. After the first deposit, you have no refund right under this section.

We may take a reasonable time to review a refund request, confirm the ledger, and send the funds to the original source or another destination we accept. Fees charged by banks or networks on the return are outside this refund unless we caused them.

Holdings, available and locked balances, and marks shown in the account follow the desk book we operate. That book may differ from public exchange prints, broker quotes, or index values. You acknowledge that you are not trading a regulated public order book merely because live prices appear on screen.

Orders, conversions, and size changes are accepted only as we or your assigned agent confirm. We may refuse, delay, or unwind a ticket that we reasonably consider erroneous, abusive, or outside the limits of the account.

Market data is provided as-is for convenience. We do not warrant that prices, charts, or depth are complete, current, or suitable for any decision.

Crypto assets and equity names can fall in value, become illiquid, halt, fork, or become worthless. Past performance is not a reliable guide to future results. You should not deposit funds you cannot afford to lose.

The Services, our website copy, help articles, emails, and conversations with your agent are for information and operational support. They are not investment advice, tax advice, legal advice, or a personal recommendation.

You decide whether to deposit, hold, convert, or withdraw. If you need advice, you should take it from a person authorised to give it in your jurisdiction.

Nothing on the Services is an offer or solicitation of securities, derivatives, or crypto-asset services where that offer or solicitation would be unlawful.

Withdrawals may be locked until the first deposit is complete and identity is accepted. After that, payouts remain pending until a person on the desk reviews them.

We send to the bank account or wallet you named that we can reasonably match to you. We may ask for more documents before we send. We may refuse a payout that we reasonably suspect is unlawful, to the wrong beneficiary, or outside our rails.

Network fees, correspondent bank charges, and delays after we have released the payment are not under our control. Crypto transactions on a public ledger are generally irreversible.

Each accepted account is assigned a dedicated agent. Coverage may be provided by a named backup who already has the file. Assignment is an operational feature of the desk. It does not create a fiduciary duty beyond these Terms, and it does not make the agent your investment adviser unless a separate written mandate says so.

Instructions you give your agent by the channels we recognise may be treated as instructions from you. Keep those channels secure.

You must not use the Services to launder money, evade sanctions, finance terrorism, commit fraud, market abuse, or any other crime. You must not attempt to gain unauthorised access, scrape in a way that harms the service, reverse engineer except as the law allows, or interfere with other accounts.

You must not let another person trade or withdraw through your login. You must not use the account for third-party funds unless we have accepted that arrangement in writing.

The Services, including the Caldwell Fox Capital name, logos, layout, and software, are owned by us or our licensors. You receive a limited, revocable, non-transferable licence to use the Services for your own account in line with these Terms.

You must not copy, frame, or commercially exploit the site or our marks without written permission.

We aim to keep the Services available. We do not warrant uninterrupted, error-free, or secure operation. Markets, banks, blockchains, and vendors can fail. Planned or emergency maintenance may take the login or the book offline.

If the public status page says a component is degraded, treat that as notice.

You may ask us to close the account. We will complete pending reviews, settle or return remaining balances we can lawfully send, and then disable the login.

We may suspend or close an account that breaches these Terms or the law, that we cannot identify, that is inactive, or that we are required to exit. We will give notice where it is lawful and practical to do so.

Sections that by nature should survive (including identity records, liability limits, indemnity, and governing law) survive closure.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be limited under applicable law.

Subject to that, we are not liable for lost profits, lost opportunity, loss of data, indirect or consequential loss, or loss arising from market moves, protocol failures, third-party rails, or your failure to keep credentials safe.

Our total aggregate liability arising out of the Services, whether in contract, tort, or otherwise, is limited to the fees you paid us in the three months before the claim, or if none, one hundred US dollars. This cap does not affect your first-deposit refund under section 7 where that refund is due.

You will indemnify us and our staff against claims, losses, and reasonable costs arising from your breach of these Terms, your unlawful use of the account, or inaccurate information you supply, except to the extent caused by our fraud or wilful misconduct.

We may update these Terms. The version published on the help centre is the version that applies. If a change is material, we will give notice to the email on the account a reasonable time before it takes effect, except where the change is required by law or to address an immediate risk.

If you do not agree, you should stop using the Services and ask us to close the account before the change takes effect.

These Terms and any non-contractual obligations arising out of them are governed by the laws of England and Wales, without regard to conflict-of-law rules that would point elsewhere.

The courts of England and Wales have exclusive jurisdiction, except that if you are a consumer you may also bring proceedings in the courts of your country of residence where that right cannot be waived, and we may bring proceedings there to protect our rights.

You and we will first try to resolve a dispute through your assigned agent. Nothing in this section stops either party seeking interim injunctive relief.

These Terms, the Privacy Policy, and any additional terms we present for a specific product are the entire agreement for the Services. If a court finds a provision unenforceable, the rest remains in force.

A failure to enforce a right is not a waiver. You may not assign the account without our consent. We may assign or novate these Terms in connection with a reorganisation or sale of the desk.

These Terms are written in English. A translation is for convenience only.

Legal notices may be sent to the email on your account and to us via your assigned agent or through the help centre. For privacy requests, use the contacts on the Privacy Policy.

Last updated 27 August 2026.