<commit_before>import React from 'react';

const Tac = () => (
    <div>
        <h2 data-anchor='terms-and-conditions'>{it.L('Terms and conditions')}</h2>
        <p><i>{it.L('Version 48. Last modified 2019-05-10.')}</i></p>
        <p>{it.L('It is the responsibility of each client to read and understand this legal notice and the terms and conditions pursuant to which an acquisition of financial contracts via this site is governed.')}</p>

        <h2 data-anchor='interpretation'>A. {it.L('Interpretation')}</h2>
        <p>
            {it.L('Depending on the jurisdiction to which a client\'s account has been attached in accordance with the account opening procedures of the website and as detailed in the About us section of the website and the type of products offered, the term "the Company" shall denote,')}&nbsp;
            <span data-show='-eucountry'>{it.L('Deriv (SVG) LLC,')}&nbsp;</span>
            <span>{it.L('Deriv (Europe) Limited,')}&nbsp;</span>
            <span>{it.L('Deriv Investments (Europe) Limited, or')}&nbsp;</span>
            <span>{it.L('Deriv (MX) Ltd.')}&nbsp;</span>
        </p>
        <p>{it.L('These terms and conditions may be supplemented from time to time by supplementary terms and conditions applicable to a particular Company or products.')}</p>

        <h2 data-anchor='introduction'>B. {it.L('Introduction')}</h2>
        <p>{it.L('The financial trading services contained within this site are only suitable for clients who are able to bear the loss of all the money they invest and who understand and have experience of the risks involved in the acquisition of financial contracts.')}</p>
        <p>{it.L('International currency or commodity prices are highly volatile and very difficult to predict. Due to such volatility, plus the bias in the pricing system favouring the website (as described in more detail below), no financial contract purchased in our system (whether or not the payout exceeds the premium amount) can be considered a safe contract.')}</p>
        <p>{it.L('The maximum loss that may be incurred by any client is the amount of money paid by the client to the Company.')}</p>
        <p>{it.L('The Company reserves the right in its sole discretion to refuse and/or cancel services and charge deposit and/or withdrawal fees to anyone for any reasons including, but not limited to the following:')}</p>
        <ul className='bullet'>
            <li>{it.L('Any instance where the Company believes that that person\'s activities at this site may be illegal in that person\'s country or state')}</li>
            <li>{it.L('Any instance where the Company may be approached or contacted by legal authorities or regulators from that person\'s country or state')}</li>
            <li>{it.L('Any instance where the Company may suffer any pecuniary, fiscal, or regulatory disadvantage by virtue of that person\'s activities at this site')}</li>
            <li>{it.L('Any restriction to its clients from purchasing any contracts during certain hours')}</li>
        </ul>

        <h2 data-anchor='languages'>C. {it.L('Languages')}</h2>
        <p>{it.L('These terms and conditions are provided in several different languages for clients\' convenience; however, these translations do reflect the same principles. The Company attempts, as much as possible, to provide a faithful translation in English of the official language of several countries. In the event of any differences between the English version of the website and any other language, the English version shall prevail.')}</p>
        <p><span>{it.L('The client may communicate with the Company through this website or by means of e-mail, phone or, exceptionally, by post. Details can be found in the Contact us page.')}</span><span data-show='eucountry'>{it.L(' All calls are recorded for training and monitoring purposes.')}</span></p>
        <p>{it.L('Generally the Company will communicate with the client through this website or by email to the email address given by the client upon account opening. The Company will communicate with the client in English or, if another preferred language is selected at account opening, in that language.')}</p>
        <p>{it.L('In cases where the client uses excessive anti-spam filtering which requires the Company to pay a fee in order to send a reply or a notification to the client, the Company will try to find an alternative way to communicate with the client but will not pay the requested fees to do so.')}</p>

        <h2 data-anchor='governing-laws-and-jurisdiction'>D. {it.L('Governing laws and jurisdiction')}</h2>
        <p>{it.L('Laws regarding financial contracts vary throughout the world, and it is the responsibility of clients accessing this site to ensure that they understand and fully comply with any laws or regulations relevant to themselves in their own country. This site does not constitute, and may not be used for the purposes of, an offer or solicitation to anyone in any jurisdiction in which such offer or solicitation is not authorised or to any person to whom it is unlawful to make such offer or solicitation. Access to this site and the offering of financial contracts via this site in certain jurisdictions may be restricted and, accordingly, clients accessing this site are required to inform themselves about, and to observe, such restrictions.')}</p>
        <p>{it.L('The transactions performed on this site and the relationship between clients and the Company are to be governed by, and construed in accordance with, the laws of the country of incorporation of the Company (the "Jurisdiction"). The client agrees that the Jurisdiction\'s courts will have sole jurisdiction to settle any disputes that may arise in relation thereto. For such purposes, the client irrevocably submits to the jurisdiction of the courts of the Jurisdiction in relation to any such dispute and agrees that any claim the client might have against the Company shall only be brought before the courts of the Jurisdiction. For further information on complaints and disputes, kindly refer to the Company\'s [_1]Complaints and disputes[_2] section.', `<a href=${it.url_for('terms-and-conditions#complaints')}>`, '</a>')}</p>
        <p>{it.L('For Deriv Investments (Europe) Limited and Deriv (Europe) Limited, the applicable Jurisdiction shall be Malta.')}</p>
        <p>{it.L('For Deriv (MX) Ltd, the applicable Jurisdiction shall be the Isle of Man.')}</p>
        <p data-show='-eucountry'>{it.L('For Deriv (SVG) LLC, the applicable Jurisdiction shall be St. Vincent and the Grenadines.')}</p>

        <h2 data-anchor='contracts'>E. {it.L('Contracts')}</h2>
        <p>{it.L('The Company does not provide a market amongst or between clients for investments, securities, derivatives, or speculations. Each financial contract purchased by a client via this site is an individual agreement between that client and the Company and is not a security, nor is it transferable, negotiable, or assignable to, or with, any third party.')}</p>
        <p>{it.L('Acquisition of financial contracts through this site must be effected in accordance with the terms and conditions presented on the pages of this site. Acquisition of a financial contract is completed when the financial contract has been customised, the premium (or the payout, as the case may be) has been calculated, and payment has been verified.')}</p>

        <h2 data-anchor='clients-liability'>F. {it.L('Client\'s liability')}</h2>
        <p>{it.L('Clients agree to be fully and personally liable for the due settlement of every transaction entered into under their account with the Company. This includes any transactions entered into by members of the client\'s family or entourage who have gained access to the account. Clients are responsible for ensuring that they alone control access to the account, and that no minors are granted access to trading on the website. In any case, clients remain fully liable for any and all positions traded on their account and for any credit card transactions entered into the site for their account. Each client also indemnifies the Company against all costs and losses of any kind whatsoever, as may be incurred by the Company as a result, direct or indirect, of the client\'s failure to perform or settle such a transaction.')}</p>
        <p>{it.L('[_1]In regard to customers of Deriv (MX) Ltd, online gambling debts are enforceable by law in the Isle of Man.[_2]', '<span data-show="eucountry">', '</span>')}</p>
        <p>{it.L('If the client deposits funds via credit or debit card, the client agrees to email or call the Company before placing a chargeback or a retrieval request so the Company can try to retrieve the funds for the client.')}</p>
        <p>{it.L('If the payment processor sends the Company a chargeback or retrieval notification, the Company reserves the right to suspend any or all of the client’s accounts and place a temporary hold on the funds available in it. In that case, any or all of the client’s accounts may remain suspended until the completion of the entire chargeback investigation. The same might apply if the client’s transacting bank initiates the chargeback or retrieval request without the client’s knowledge.')}</p>
        <p>{it.L('If the Company suffers a loss as a result of a chargeback or retrieval request, the client agrees to reimburse the Company the amount before the Company lifts off any limits imposed on any or all of the client’s accounts.')}</p>

        <h2 data-anchor='customer-funds'>G. {it.L('Customer funds')}</h2>
        <p>{it.L('Money collected from clients is not invested in any securities, futures, currencies, derivatives or other investments, on behalf of clients.')}</p>
        <p data-show='eucountry'>{it.L('The Company is required by its licence to inform clients about what happens to the funds that the Company holds on account for clients, and the extent to which funds are protected in the event of insolvency. To learn more, please refer [_1]here[_2].',
            '<a href="http://www.gamblingcommission.gov.uk/for-the-public/Your-rights/Protection-of-customer-funds.aspx" target="_blank" rel="noopener noreferrer">', '</a>')}
        </p>
        <p data-show='eucountry'>{it.L('The Company holds customer funds in bank accounts separate from the operational accounts. Deriv (MX) Ltd & Deriv (Europe) Limited have arrangements in place so that in the event of insolvency they are able to meet their obligations to clients. These arrangements are in the form of a loan agreement between each respective company and the parent company, Deriv Limited, this loan will always at minimum cover the client liabilities. This meets the Gambling Commission\'s requirements for the segregation of customer funds at the level of medium protection.')}</p>
        <p>{it.L('The Company has various deposit methods available, each with its own timing for deposits, some of which might not be available for withdrawals. Full details of available methods for deposits and withdrawals, including settlement times, can be seen [_1]here[_2].',
            `<a href='${it.url_for('cashier/payment_methods')}'>`, '</a>')}
        </p>
        <p>{it.L('A client should not use the client\'s account as a banking facility, and deposits should only be made with a view to using funds to place contracts. The Company is not a financial institution, and the client will not receive interest on deposits. Should a client make repeated deposits and withdrawals without placing commensurate contracts, the Company reserves the right to pass on to the client\'s account, without prior notice, any bank charges the Company has incurred before closing the account. The Company also reserves the right to reject the client\'s payouts without prior notice.')}</p>
        <p>{it.L('Transfers between Binary fiat and cryptocurrency accounts are allowed up to a maximum of 2,500.00 USD or equivalent. Fiat and cryptocurrency transfers are also allowed between Binary and MT5 accounts. Charges may apply for every successful transaction.')}</p>

        <h2 data-anchor='refund-policy'>H. {it.L('Refund policy')}</h2>
        <p>{it.L('The Company offers a number of merchant solutions and payment service providers for making online payments. The client will be billed at the time of, or shortly after, making a transaction. The client agrees to pay for all trades that the client purchases via any of the available merchant solutions or payment service providers.')}</p>
        <p>{it.L('All sales of trades are final. The Company does not refund the price charged for entering a trade if the trade is executed.')}</p>
        <p>{it.L('If a trade becomes unavailable after the transaction is made but before the trade is executed, the client may request a refund of the charged price. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim. If technical problems prevent the execution of a trade, for example, if a disruption occurs in the data feeds that the Company cannot readily fix, the Company reserves the right to refund or reverse the trade.')}</p>
        <p>{it.L('Any request for a deposit refund for active accounts will be automatically rejected. If the Company has closed, blocked, or suspended the client’s account (see Section J. Fraud and money laundering), the client may request a refund of the client’s deposit. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim. ')}</p>

        <h2 data-anchor='prohibited-trades'>I. {it.L('Prohibited trades')}</h2>
        <p>{it.L('The Company reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of clients who engage in any trading activity')}</p>
        <ul className='bullet'>
            <li>{it.L('That contravenes any laws, regulations, instruments, ordinances, or rules that govern the operation of any exchange, financial market, or financial regulatory environment')}</li>
            <li>{it.L('With insider knowledge of any financial market or instrument')}</li>
        </ul>
        <p>{it.L('The Company has the discretion to seek information from clients to verify compliance with these terms.')}</p>
        <p>{it.L('The following are conditions of using the website:')}</p><commit_msg>update: add new t&c terms (#6292)<commit_after>import React from 'react';

const Tac = () => (
    <div>
        <h2 data-anchor='terms-and-conditions'>{it.L('Terms and conditions')}</h2>
        <p><i>{it.L('Version 49. Last modified 23-11-2020.')}</i></p>
        <p>{it.L('It is the responsibility of each client to read and understand this legal notice and the terms and conditions ("Terms") pursuant to which an acquisition of financial contracts via this site is governed.')}</p>

        <h2 data-anchor='interpretation'>A. {it.L('Interpretation')}</h2>
        <p>
            {it.L('Depending on the jurisdiction to which a client\'s account has been attached in accordance with the account opening procedures of the website and as detailed in the About us section of the website and the type of products offered, the term "the Company" shall denote,')}&nbsp;
            <span data-show='-eucountry'>{it.L('Deriv (SVG) LLC,')}&nbsp;</span>
            <span>{it.L('Deriv (Europe) Limited,')}&nbsp;</span>
            <span>{it.L('Deriv Investments (Europe) Limited, or')}&nbsp;</span>
            <span>{it.L('Deriv (MX) Ltd.')}&nbsp;</span>
        </p>
        <p>{it.L('These terms and conditions may be supplemented from time to time by supplementary terms and conditions applicable to a particular Company or products.')}</p>

        <h2 data-anchor='introduction'>B. {it.L('Introduction')}</h2>
        <p>{it.L('The financial trading services contained within this site are only suitable for clients who are able to bear the loss of all the money they invest and who understand and have experience of the risks involved in the acquisition of financial contracts.')}</p>
        <p>{it.L('International currency or commodity prices are highly volatile and very difficult to predict. Due to such volatility, plus the bias in the pricing system favouring the website (as described in more detail below), no financial contract purchased in our system (whether or not the payout exceeds the premium amount) can be considered a safe contract.')}</p>
        <p>{it.L('The maximum loss that may be incurred by any client is the amount of money paid by the client to the Company.')}</p>
        <p>{it.L('The Company reserves the right in its sole discretion to refuse and/or cancel services and charge deposit and/or withdrawal fees to anyone for any reasons including, but not limited to the following:')}</p>
        <ul className='bullet'>
            <li>{it.L('Any instance where the Company believes that that person\'s activities at this site may be illegal in that person\'s country or state')}</li>
            <li>{it.L('Any instance where the Company may be approached or contacted by legal authorities or regulators from that person\'s country or state')}</li>
            <li>{it.L('Any instance where the Company may suffer any pecuniary, fiscal, or regulatory disadvantage by virtue of that person\'s activities at this site')}</li>
            <li>{it.L('Any restriction to its clients from purchasing any contracts during certain hours')}</li>
        </ul>

        <h2 data-anchor='languages'>C. {it.L('Languages')}</h2>
        <p>{it.L('These terms and conditions are provided in several different languages for clients\' convenience; however, these translations do reflect the same principles. The Company attempts, as much as possible, to provide a faithful translation in English of the official language of several countries. In the event of any differences between the English version of the website and any other language, the English version shall prevail.')}</p>
        <p><span>{it.L('The client may communicate with the Company through this website or by means of e-mail, phone or, exceptionally, by post. Details can be found in the Contact us page.')}</span><span data-show='eucountry'>{it.L(' All calls are recorded for training and monitoring purposes.')}</span></p>
        <p>{it.L('Generally the Company will communicate with the client through this website or by email to the email address given by the client upon account opening. The Company will communicate with the client in English or, if another preferred language is selected at account opening, in that language.')}</p>
        <p>{it.L('In cases where the client uses excessive anti-spam filtering which requires the Company to pay a fee in order to send a reply or a notification to the client, the Company will try to find an alternative way to communicate with the client but will not pay the requested fees to do so.')}</p>

        <h2 data-anchor='governing-laws-and-jurisdiction'>D. {it.L('Governing laws and jurisdiction')}</h2>
        <p>{it.L('It is the responsibility of clients accessing this site to make sure that they understand and fully follow the relevant laws and regulations of their own country. The Company does not support any offerings or make any solicitations that are illegal in a client\'s country, and clients cannot use their account for such prohibited offerings. In some countries, the Company may not be permitted to offer products and services to clients unless they have taken proactive steps to solicit information about the Company\'s products and services and requested to be provided with them. Access to this site and the offering of certain trades via this site may be also restricted in some jurisdictions. It is the client\'s responsibility to know about the restrictions that apply in the client\'s country of residence and to observe them, as in continuing to access the Company\'s products and services, the client represents to the Company that the client is doing so legally and that, where relevant, the client has solicited information about the Company\'s products and services and requested to be provided with them.')}</p>
        <p>{it.L('Depending on where the client lives, the client\'s account will be governed by the laws of the country of incorporation of the company that the client\'s account is registered with as set out below. If the client has registered more than one account with more than one company, each account will be governed by the law of the country of incorporation of the company that each individual account has been registered with. The client agrees to submit to the applicable jurisdiction\'s courts and bring any claim the client may have before them. These courts will have sole authority to settle any disputes that may arise between the client and the Company.')}</p>
        <p>{it.L('If a court or regulatory body of competent jurisdiction declares any provision of the Terms to be invalid or unenforceable, the rest of the Terms shall remain in full force and effect.')}</p>
        <p>{it.L('The applicable jurisdiction shall be one of the following:')}</p>
        <ul className='bullet'>
            <li>{it.L('Deriv Investments (Europe) Limited and Deriv (Europe) Limited: Malta')}</li>
            <li>{it.L('Deriv (MX) Ltd: the Isle of Man')}</li>
            <li>{it.L('Deriv (FX) Ltd: Labuan, Territory of Malaysia')}</li>
            <li>{it.L('Deriv (BVI) Ltd: British Virgin Islands')}</li>
            <li>{it.L('Deriv (V) Ltd: Vanuatu')}</li>
            <li>{it.L('Deriv (SVG) LLC: St. Vincent and the Grenadines')}</li>
            <li>{it.L('Champion Group Ltd: Vanuatu')}</li>
        </ul>

        <h2 data-anchor='contracts'>E. {it.L('Contracts')}</h2>
        <p>{it.L('The Company does not provide a market amongst or between clients for investments, securities, derivatives, or speculations. Each financial contract purchased by a client via this site is an individual agreement between that client and the Company and is not a security, nor is it transferable, negotiable, or assignable to, or with, any third party.')}</p>
        <p>{it.L('Acquisition of financial contracts through this site must be effected in accordance with the terms and conditions presented on the pages of this site. Acquisition of a financial contract is completed when the financial contract has been customised, the premium (or the payout, as the case may be) has been calculated, and payment has been verified.')}</p>

        <h2 data-anchor='clients-liability'>F. {it.L('Client\'s liability')}</h2>
        <p>{it.L('Clients agree to be fully and personally liable for the due settlement of every transaction entered into under their account with the Company. This includes any transactions entered into by members of the client\'s family or entourage who have gained access to the account. Clients are responsible for ensuring that they alone control access to the account, and that no minors are granted access to trading on the website. In any case, clients remain fully liable for any and all positions traded on their account and for any credit card transactions entered into the site for their account. Each client also indemnifies the Company against all costs and losses of any kind whatsoever, as may be incurred by the Company as a result, direct or indirect, of the client\'s failure to perform or settle such a transaction.')}</p>
        <p>{it.L('[_1]In regard to customers of Deriv (MX) Ltd, online gambling debts are enforceable by law in the Isle of Man.[_2]', '<span data-show="eucountry">', '</span>')}</p>
        <p>{it.L('If the client deposits funds via credit or debit card, the client agrees to email or call the Company before placing a chargeback or a retrieval request so the Company can try to retrieve the funds for the client.')}</p>
        <p>{it.L('If the payment processor sends the Company a chargeback or retrieval notification, the Company reserves the right to suspend any or all of the client’s accounts and place a temporary hold on the funds available in it. In that case, any or all of the client’s accounts may remain suspended until the completion of the entire chargeback investigation. The same might apply if the client’s transacting bank initiates the chargeback or retrieval request without the client’s knowledge.')}</p>
        <p>{it.L('If the Company suffers a loss as a result of a chargeback or retrieval request, the client agrees to reimburse the Company the amount before the Company lifts off any limits imposed on any or all of the client’s accounts.')}</p>

        <h2 data-anchor='customer-funds'>G. {it.L('Customer funds')}</h2>
        <p>{it.L('Money collected from clients is not invested in any securities, futures, currencies, derivatives or other investments, on behalf of clients.')}</p>
        <p data-show='eucountry'>{it.L('The Company is required by its licence to inform clients about what happens to the funds that the Company holds on account for clients, and the extent to which funds are protected in the event of insolvency. To learn more, please refer [_1]here[_2].',
            '<a href="http://www.gamblingcommission.gov.uk/for-the-public/Your-rights/Protection-of-customer-funds.aspx" target="_blank" rel="noopener noreferrer">', '</a>')}
        </p>
        <p data-show='eucountry'>{it.L('The Company holds customer funds in bank accounts separate from the operational accounts. Deriv (MX) Ltd & Deriv (Europe) Limited have arrangements in place so that in the event of insolvency they are able to meet their obligations to clients. These arrangements are in the form of a loan agreement between each respective company and the parent company, Deriv Limited, this loan will always at minimum cover the client liabilities. This meets the Gambling Commission\'s requirements for the segregation of customer funds at the level of medium protection.')}</p>
        <p>{it.L('The Company has various deposit methods available, each with its own timing for deposits, some of which might not be available for withdrawals. Full details of available methods for deposits and withdrawals, including settlement times, can be seen [_1]here[_2].',
            `<a href='${it.url_for('cashier/payment_methods')}'>`, '</a>')}
        </p>
        <p>{it.L('A client should not use the client\'s account as a banking facility, and deposits should only be made with a view to using funds to place contracts. The Company is not a financial institution, and the client will not receive interest on deposits. Should a client make repeated deposits and withdrawals without placing commensurate contracts, the Company reserves the right to pass on to the client\'s account, without prior notice, any bank charges the Company has incurred before closing the account. The Company also reserves the right to reject the client\'s payouts without prior notice.')}</p>
        <p>{it.L('Transfers between Binary fiat and cryptocurrency accounts are allowed up to a maximum of 2,500.00 USD or equivalent. Fiat and cryptocurrency transfers are also allowed between Binary and MT5 accounts. Charges may apply for every successful transaction.')}</p>

        <h2 data-anchor='refund-policy'>H. {it.L('Refund policy')}</h2>
        <p>{it.L('The Company offers a number of merchant solutions and payment service providers for making online payments. The client will be billed at the time of, or shortly after, making a transaction. The client agrees to pay for all trades that the client purchases via any of the available merchant solutions or payment service providers.')}</p>
        <p>{it.L('All sales of trades are final. The Company does not refund the price charged for entering a trade if the trade is executed.')}</p>
        <p>{it.L('If a trade becomes unavailable after the transaction is made but before the trade is executed, the client may request a refund of the charged price. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim. If technical problems prevent the execution of a trade, for example, if a disruption occurs in the data feeds that the Company cannot readily fix, the Company reserves the right to refund or reverse the trade.')}</p>
        <p>{it.L('Any request for a deposit refund for active accounts will be automatically rejected. If the Company has closed, blocked, or suspended the client’s account (see Section J. Fraud and money laundering), the client may request a refund of the client’s deposit. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim. ')}</p>

        <h2 data-anchor='prohibited-trades'>I. {it.L('Prohibited trades')}</h2>
        <p>{it.L('The Company reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of clients who engage in any trading activity')}</p>
        <ul className='bullet'>
            <li>{it.L('That contravenes any laws, regulations, instruments, ordinances, or rules that govern the operation of any exchange, financial market, or financial regulatory environment')}</li>
            <li>{it.L('Where the client makes any false or misleading representation to the Company breaching the clauses under Governing laws and jurisdiction')}</li>
            <li>{it.L('With insider knowledge of any financial market or instrument')}</li>
        </ul>
        <p>{it.L('The Company has the discretion to seek information from clients to verify compliance with these terms.')}</p>
        <p>{it.L('The following are conditions of using the website:')}</p>
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