Firms can and do change terms
Almost every rulebook reserves the right to amend terms, and most permit the amendment to apply to accounts that already exist. That is not unusual for a service contract, and firms genuinely need it — a rule that turns out to be exploitable has to be fixable.
The problem is not the right to change. It is that changes are often published by editing a page, with no notification and no record of the previous version.
What changes most often
- Drawdown calculation. Switching between balance-based and equity-based measurement, or between static and trailing, changes the product substantially without changing the headline percentage.
- Consistency thresholds. Adding a rule, or tightening an existing percentage.
- Payout cadence and minimums. Lengthening the first-payout wait, or raising the minimum withdrawal.
- Prohibited strategies. Adding a minimum hold time is a common late addition.
- Fees. Reset prices and activation charges move more than headline evaluation prices do.
The changes that are improvements
It is worth saying that the trend over recent years has mostly favoured traders: time limits on evaluations have been widely removed, drawdown rules have loosened at several firms, and payout cycles have shortened. A rule change is not automatically bad news.
What matters is whether you find out, and whether the change is applied to profit you have already made.
Protecting yourself
Save a PDF of the terms on the day you buy. It costs a minute and it is the only version you can prove you agreed to. If a dispute arises about a rule that was added later, that file is your entire case.
Beyond that: re-read the terms before each payout request rather than assuming they are as you remember, and treat any change to the payout section as worth reading in full.
How we track it
We re-check documented rules on a schedule and record what changed on each firm's profile, with the date. That log exists because a quiet edit is much harder to make when someone has the previous version.
If you spot a change before we do, send us the link — corrections are credited, and they are the fastest way for the change to reach everyone else.
What to do if a change affects you mid-account
Read the notice for whether it applies to existing accounts or only to new ones. If it applies to yours and materially changes the deal — a drawdown recalculation, a new consistency rule — ask the firm in writing whether your account is grandfathered.
Firms do sometimes grandfather existing accounts and do not always say so unprompted. The question costs nothing.