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Please note that we shall not provide you with any advice on the merits of you entering into these Terms of Business or any Transaction. We shall not provide you with any tax advice on the same. Schedule 3 - Contracts for Differences Supplement.
Schedule 4 - Spread Bets Supplement. If there is any aspect of these Terms of Business that you do not understand or where you require further information you should contact Client Services at Forex Capital Markets Limited at the address below: Forex Capital Markets Ltd. Please read these Terms of Business carefully as they contain important information concerning your and FXCM's rights and obligations in relation to the services we agree to provide you.
Please let FXCM know as soon as possible if there is anything which you do not understand. If a document is translated into another language this will be for information purposes only and the English version will prevail. By completing and signing the signature page of these Terms of Business you confirm that you have read, understood and agree to be bound by these Terms of Business with us. They can settle in a currency other than your base currency and therefore your profit or loss could be liable to foreign exchange fluctuations.
You should not trade any margined product unless you fully understand all the risks involved with doing so and that you have sufficient resources available to you that in the event, however unlikely you may deem it to be, that there is an adverse movement in the price of that product that you can meet the financial obligations required by you with respect to margin payments and losses.
Margin trading is not necessarily designed to replace existing or traditional methods of investing and is therefore not suited to everyone. All clients margin are set to 30 percent. We will be closing all clients out at 30 percent including professional clients. This requirement is based on one or more open CFD positions and the rule is based on an account level basis as opposed to per position. The client may in certain conditions surpass this close-out rule. If the market was to gap, we would not need to credit the client back to the 30 percent close-out level.
Our sole obligation is to ensure that the client does not incur a negative balance see Negative Balance Protection below. The margin close-out rule is imposed on a per account basis rather than a per position basis. When the sum of funds in the CFD trading account and the unrealized net profits of all open CFDs connected to that account falls to less than half of the total initial margin protection for all those open CFD, the client would be closed out.
It is important that you understand that trading financial instruments on different markets has its own inherent risk. Some of such risks include currency, volatility and liquidity. Currency risk arises from the change in price of one currency in relation to another.
This may impact the profit and loss of the transaction. Currency risk can be reduced by hedging, which offsets currency fluctuations. Volatility refers to the amount of uncertainty or risk involved with the size of changes in a currency exchange rate. High volatility means that the price of the currency can change dramatically over a short time period in either direction.
Liquidity risk is the risk originating from the lack of marketability of an investment that cannot be bought or sold quickly enough to prevent or minimize a loss. Liquidity can impact the price, spreads and sizes that your order is executed. With leverage trading of derivative products, a relatively small price movement in the underlying asset may result in proportionately larger profits or losses.
If you do not provide additional funds or other acceptable collateral to satisfy the margin requirements, we are entitled to close your open margined position s. Consequently, you shall be liable for any losses or deficit on the account as the result of the close-out. We do not provide investment advice in relation to our products or services as well as regulatory, tax or legal advice.
You are responsible for managing your tax and legal affairs including making any regulatory filings and payments and complying with applicable laws and regulations. If you are in any doubt as to the tax treatment or liabilities of investment products available through any of your Accounts, you may wish to seek independent advice.
It is important that you monitor all of your positions closely. It is your responsibility to monitor your positions and during the period that you have any open Contracts or are holding any Instruments, you should always have the ability to access your Accounts. You may be subject to overnight financing if you leave your positions open past 10 pm UAE time however this can change with daylight savings adjustments.
Not all trades or bets can be opened or closed 24 hours a day. Many are subject to strict opening and closing times which can fluctuate. These are posted on our Market Information Sheets MIS which are available online and which we endeavor to keep up to date, without any obligation or liability on us to do so, or for its accuracy.
For example, national holidays and Daylight savings changes will affect the times when you can trade. Also, a market may be suspended for a variety of reasons and during this time you will not usually be able to trade. Under certain trading conditions it may be difficult or impossible to liquidate a position. This may occur, for example at times of rapid price movement if the price for the underlying rises or falls in one trading session to such an extent that trading in the underlying is restricted or suspended.
However, even in a segregated account you may not be afforded complete protection. You are placing trades or bets on our prices and not those on an exchange. Depending on the market, our prices will usually be based on an exchange price but can fluctuate away from the underlying prices due to a variety of reasons. All open trades can only be closed and settled with us.
We aim to generate prices continuously and provide you with access to our trading platforms throughout the trading sessions. However, there are instances where this is not possible e. This may cause prices to change between the time an order is placed and the time the order has been received by the Firm. In addition, these technical risks may significantly impact the execution of your orders.
You agree to be bound by those areas of this agreement that are pertinent to the types of accounts held by you, and the types of trades or bets executed with ourselves. It is your responsibility to read these Terms frequently and keep yourself up to date with any amendments. Also, certain markets may become suspended or we may cease trading some markets for which we will not be held accountable or liable.
If you do trade or bet while contravening one of the above then you will still be held accountable and liable for all trades and bets and their corresponding profits or losses. Certain countries do not allow their use and it is the responsibility of the individual to make sure that they comply with any local laws that are applicable to them, both in terms of actually holding an account and the relevant applicable tax laws.
Specifically, we do not allow residents of the USA or its citizens to hold an account with us. Where your cash balance does not cover your notional trading requirement and open position profit and loss. This refers US international tax law agreed with other countries and jurisdictions whereby client details are passed to US tax authorities. You may request at any time, or we may at our discretion request you, to be reclassified as a Professional Client or Eligible Counterparty.
Your estate will then be the beneficiary from any funds held or liable for any losses or sums owed. Although we have made efforts to translate these correctly, we cannot guarantee its accuracy. If these Terms of Business have been translated into any other language, then it is the original Terms of Business, written in English, which are deemed to be legally binding. With the AAG Markets demo or virtual account, you are not trading with real money.
Any money you make or lose is fictitious and cannot be transferred to a real account, cashed in or redeemed in any way. The demo account is purely for practice and for demonstration purposes only and contains a small selection of the markets that we offer.
Profits or losses incurred while trading in a demo environment do not necessarily reflect what you may achieve when trading in a live environment. CFDs and Spread Betting are volatile instruments and it is possible to rapidly make or lose all your deposit. While Demo accounts are there to replicate live accounts, they may not always be totally the same as varying factors in the live environment can affect matters.
All mandatory sections must be completed, and any information supplied must be true and correct to the best of your knowledge. Any incorrect or unclear information supplied may result in either a rejection of your Application or a delay in the opening of your account.
CFDs or Spread Betting. This agreement covers all trades, open or closed, orders and any other transactions. At our absolute discretion, we may accept such notification over the telephone or by email. Any losses that may be incurred by the misdirection of contract details due to incorrect or out of date email addresses or other contact details supplied by you are your responsibility.
We may also, at our discretion, net off your positive account cash balances against negative account cash balances, and your profits from any open trades in an account against losses on open positions in another account. We may also offset any funds against any other liabilities owed by you including, but not limited to, legal costs and interest. In the event that monies held are in different currencies we will convert these to one universal currency at the prevailing market rate, leaving one amount either payable by us to you or by you to us.
You may hold more funds in your account than the account limit, but you will not be permitted to utilise those funds that are in excess of the account limit for the purpose of trading. No one at AAG Markets will ever ask you your password.
AAG Markets accepts no liability for any unauthorised use of your account. These should include telephone numbers where you can be reached during the entire day and your current address. If you are in any doubt about your ability to achieve this then you should close all open positions or orders. If you have facilitated someone other than you to trade on your account without prior written agreement with us then you are still liable for all trades or bets carried out on this account.
Under no circumstances will we accept trades, bets or orders via email, fax or mail or SMS text message unless you have received prior permission from AAG Markets. If you suspect that the security of your account number and or password has been breached then it is your responsibility to notify us immediately.
If you discover an error on your account then must notify us immediately or in any event within three business days. This covers both incorrect or missing trades and bets. If you are unclear in any way about this then you should seek independent tax advice from someone authorised to do so from your tax jurisdiction. You should seek advice from your accountant, the tax office or other relevant experts. We pay the betting duty to the Inland Revenue.
This additional spread is passed on to the introducing party and can be clearly seen on the dealing platform as compared to the usual AAG Markets spreads. You can use a vast array of methods which are constantly expanding, details of which can be found online. In addition to this, you can make a bank transfer directly from your bank to ours, details of which can be found on our website.
Any requests received after this time will be processed on a best endeavors basis. If you want to place an additional trade but have insufficient margin to do this, you must deposit more funds into your account first. If from the time of your request to the time that we process the request the value of any open positions has moved such that you no longer have the amount requested available then this will not be possible. We also reserve the right to withhold any payment if we feel that it may be required to meet future short- term payments.
In the event that the client account falls into a negative balance, we would only credit the account back to zero as the 50 percent margin close-out level would not have been activated. For the avoidance of doubt, we are only obligated to return any account which may fall into negative balance back to zero. When you place an opening trade or bet on your account s you will be utilizing some or all of your deposit as initial margin.
This margin will still be held in the segregated account. All reasonable steps will be taken, where possible, to locate the legal title holder of the account, but if after a further period of 12 months no contact has been made then AAG Markets may close the account and will no longer consider the funds held on that account as client funds. Every market we quote, whether in spread betting or CFDs has a minimum trade size and a maximum trade size. You may incur profits or losses of the funds you originally deposited.
We strongly recommend that you trade responsibly and only trade with capital that you can afford to lose. By accepting this term of business, you are entering into a contract which is legally enforceable by virtue of Section of the Financial Services and Markets Act It is your responsibility to fully understand the risks involved and seek advice if necessary to avoid potential losses. Margined trading may not be suitable for all individuals as opposed to other alternatives.
We strongly recommend that you read the Risk Warning notice that forms part of this Terms of Business and is available on our website, so that you fully understand the risks involved with regards to spread betting, CFDs and margined trading. This is a minimum deposit that must be made to fund that position. This is also known as the Margin and is required as a form of security in case the trade or bet starts to lose money. We do not accept cheques except under exceptional circumstances, and only with prior agreement with AAG Markets.
This means that the margin requirement is fixed to your stake multiplied by the margin. However, in exceptional circumstances we reserve the right to implement this change immediately, which may mean you are instantly put on a margin call or are over your account size. We will endeavor, if this situation arises, to be sympathetic with any problems that may occur. Any losses or additional losses that arise from the failure to close these positions will be your responsibility.
It is your responsibility to monitor this, and you can help to manage this level with the use of stop loss orders see section on Orders. AAG Markets is under no obligation to satisfy itself as to the suitability of any Transaction, to monitor or advise on the status of any Transaction nor to make margin calls. This will require you to deposit cleared funds with us immediately to keep your positions open.
We do not accept any liability if you are not placed on margin call. The responsibility lies with you at all times to maintain sufficient funds in your account. We will close your position s partly or in full if the equity on your account falls below 20 percent of the Margin required on your account. It is your responsibility to ensure that we always have the correct and up to date information on file so that you may be contacted.
If we are unable to reach you but have left a message notifying you of the margin call or were unable to contact you in any capacity through no fault of ours, then you will be deemed to have been notified. Just because a margin call has been made and you are arranging payment, we may still close your position or part of it if the position moves further against you.
Funds must have cleared and be in our account to be valid. This can change due to public holidays or other events and we will endeavour to notify you of any changes via our website. Our displayed quote should not be deemed an offer by us to deal at that price.
If such advice or recommendation is given, whether intentionally or not, and acted upon by you then this should be solely at your discretion and we will not be held accountable in any way. If an associated third party gives you advice, then it is your sole responsibility whether you choose to follow that advice and AAG Markets accepts no liability for the consequences.
Any trades or bets carried out by you in such a circumstance will be held binding and deemed valid. This includes the margin, and the consequences of a trade or bet moving against you. If you are in any doubt as to any area of a trade or bet then you should seek clarification with us before the trade or bet is carried out.
In the event that a trade had been opened then we reserve the right to void the original trade or bet. In such circumstances you accept all liabilities for any trading losses that you may occur as a result of this, and you must contact AAG Markets immediately for us to try and help. If you do experience problems, then it is imperative that you contact the trading desk immediately.
We are your counter-party. You sell at our bid price and buy at our offer price. All orders are treated in the same way and will be triggered on our bid or offer. This means that you can be long and short the same product. Spread betting is traded in a monetary bet per point move.
You could buy just 0. They are automatically rolled by us at the close of business every day and may be subject to a financing charge or credit depending on what market it is. If there are insufficient funds in your account at the time the trade or bet is due to be rolled then AAG Markets will close the position at the market price. These are calculated in different ways. AAG Markets will on a daily basis calculate financing due on any positions that you hold overnight, unless they are futures contracts.
This financing can result in you paying or receiving funds depending on your position and on what currency pairs you have positions in. You are more likely to receive financing if you are long a currency with a higher interest rate than the one you are short. The financing is calculated on the actual notional value of your trade or bet and it may vary on different products. This is calculated using the daily closing price of the product.
Where interest rates are low, this could result in an interest charge. However, these accounts are monitored closely for abuse and may be subject to a commission charge if deemed to appropriate. This is quite normal market practice and enables us to quote some markets out of hours and also after major news events when the normal underlying market price maybe stagnant or very wide. This is calculated by taking the Futures Price and taking away the estimated dividend or index points and adding the cost of carry based on the interest rate.
In such cases AAG Markets will price this grey market as fairly and transparently as possible. This crystallization, will be done at the current mid-price at that time and will not incur any penalty charge or spread being applied. Crystallization is a term that means the closure of a position in a financial market using the current price to realize the current profit or loss and then the immediate opening of the same position at the current price to keep the trade open.
A client may, at any time, request that a Crystallization is carried out on a rolling position to crystallize a profit or loss. There may be a nominal charge for this service. These details can be found in our Market Information Sheets. At no time will a client be entitled to delivery or be expected to deliver the physical entity with which the contract relates.
The MIS Market Information Sheets will be updated online to reflect any additions or amendments to the markets that we quote or the specifications of those markets, although we accept no liability as to its accuracy. All markets are settled with cash, with either us paying you or you are paying us. In such cases AAG Markets will not be held liable for any losses incurred as a result of not being able to deal at this price. This may immediately put you on a margin call, meaning that you are close to being closed out because you are running out of funds.
These account types may have different minimum and maximum trade sizes, a maximum open position size, and different spreads. Whatever the account type, AAG Markets reserves the right to change the spreads and markets available to its clients at any time. This may result in a new position being opened or an existing position being closed. These are Limits, Stops and market orders. A market order is an order to buy or sell immediately at the best available current price.
If this Limit order is executed, then this could either open a new trade or bet or close an existing one. If a Stop order is executed, then this could either open a new trade or bet or close an existing one. Usually Stops are used to open new positions as a Stop Loss is used instead to close a position.
This means that AAG Markets do not guarantee to fill any type of order at the exact price requested. We will always endeavour to fill orders at the requested price, where we can, or at a better level if possible. This can be seen on the deal ticket or by contacting the dealing desk. This will only work while you are logged into the platform. If it does so it will only do this for orders that have not been executed and have been cancelled and which are at least one month old.
Details of any orders which have been archived will be available to all clients upon request. No market is immune to gapping. This occurs when a market price jumps or gaps often following a news announcement. In the case of shares, this might occur after the results or a profit warning.
For other markets this may occur after some important economic news. We will endeavour to fill you at the first price available to us when this situation occurs. You should be very aware that if you trade over news announcements the price you actually trade at may be vastly different from the level you intended to due to the market gapping. By its very nature the market concerned can gap up or down. This is of concern if you have an order to buy or sell on that market. For example:. If you were long on an equity stock and you had a stop loss order in the system to sell your position if the market price went lower and you did not want to lose too much money, then if the market gapped downwards then it might gap through the level of your price to a lower price which is where you would be filled.
In exceptional circumstances, this might result in you having a negative balance on your account. We would bring your account back to zero and you would not be liable to pay for any negative balance on the account. You could also benefit from gapping as you might for example be short in a market with a limit order in the system to take profit lower down, and buy it back. If the market gapped through your level then you would end up buying the position back at a better rate than you intended.
For Equity or Indices trades when a Dividend is due we will credit or debit your account with the corresponding amount, if you are holding a position on ex-dividend day. AAG Markets may at its absolute discretion withhold or change the way in which a dividend adjustment is made.
The factors surrounding the above are dependent on the execution policy put in place by AAG Markets which monitors several factors including what we are charged by our brokers. It will base the price for that market on other relevant markets that are open using a complex algorithm. All orders will be monitored while this market is open with AAG Markets.
Check the MIS for trading times. AAG Markets is a global online trading broker. AAG Markets is an automated electronic market maker and ultimate provider of all prices to its clients and it is AAG Markets with whom the client is dealing and contracting with. AAG Markets does not provide advisory services nor take responsibility to the suitability of specific client trades.
AAG Markets does not engage in proprietary trading. As such, every market offered by AAG Markets is quoted as a derivative of the underlying market and we are the only execution venue to which clients have access through us. COBS Although price ordinarily merits a high relative importance in obtaining the best possible result, in light of COBS Based on COBS AAG Markets is required to take a number of different factors into consideration when executing an order for clients.
The factors we will consider are the following:. AAG Markets takes the underlying market price of the derivative it is quoting and then applies an algorithm to this price to achieve its own market price. Where several feeds are used the best bid, and offer combinations are used to maintain tight spreads at all times. All trades are subject to size considerations. In almost all circumstances, as long as you have sufficient margin available on your account for the trade and so long as the trade size requested is equal to or under the maximum size permissible, your trade will be executed at the level requested.
As you are a Professional Client, the best possible result will be determined in terms of the total consideration, which is determined by the price of the financial instrument and the costs related to execution incurred by the Client. Speed, likelihood of execution and settlement, the size and nature of the order, market impact and any other considerations will be given precedence over the immediate price and cost consideration only insofar as they are instrumental in delivering the best possible result in terms of the total consideration to the Client.
AAG Markets use third party data providers to supply price information from the relevant underlying exchange and derive tradable prices based on the factors listed above. For spread based transactions e. A spread will be added to this, and as a result the prices displayed by us may vary from the cash price of the underlying. In relation to some financial instruments, at the time at which you give us an order there may be no functioning or no open market or exchange on which the reference product is traded.
AAG Markets monitor the effectiveness Best Execution and relevant order execution arrangements on an ongoing basis. We assess on a regular basis whether the price feeds and hedging venues relied on in pricing our products allow us to achieve best execution on a consistent basis or whether we need to make changes to our execution arrangements. Any new policy will be made available on AAG Markets websites and will be in force as from publication. Although we aim to operate in accordance with this Policy, this Policy does not create any legal obligation or duty, fiduciary or otherwise, over and above our duties to you under the Terms of Business Agreement.
This can be due to human error in the form of a misquote, a computer fault, or a latent price caused by a slow internet feed. A transaction which was intended as a closing or hedging transaction may be voided and hence no longer available to fulfill its intended purpose. In such circumstances AAG Markets shall be entitled to a reasonable extension of the time for performing its obligations under this Agreement.
If the period of delay or non-performance continues for 21 consecutive days, either party may terminate this agreement at no penalty. Should we have cause to believe this to be the case we may terminate your account. AAG Markets will not be held liable for any losses that may occur due to this situation.
At no stage do we accept any liability for any information that they provide us or that is published on our website via their application, or any mobile application. AAG Markets accepts no liability for the reliability of such software of for any losses that may arise from using it or relying upon it. Intellectual Property includes with no limitation trademarks, charts, databases, adverts, prices, market information, product information, website design, logos, copyright, client data, know how.
We will provide negative balance protection to you. This means that the aggregate liability for realized losses in respect of trades with you cannot exceed the equity in your account. This ensures that you do not lose more than the funds in your account. Clients should remember it is their responsibility to ensure at all times that they have sufficient funds on their account to maintain the required level of margin.
However, if a Professional client, or a corporate client who is classified as a Professional client, ends up with a negative balance, AAG Markets would reset the account to zero. AAG Limited will at all times seek to detect and prevent market abuse behavior by our clients. The Market Abuse Regulation MAR specifies three such behaviors, being insider dealing, unlawful disclosure of inside information and market manipulation, which are specifically prohibited.
AAG Markets retains the right to rely on the provisions of the MAR as a reason to close out or reject any trading positions considered by us to be derived through market abuse. Additionally, our internal systems monitor the trading activities of all our clients to identify clients we suspect of conducting potential Market Abuse behavior. NOTE: Particular attention might be given to orders of this kind which result in the execution of transactions near to a reference point during the trading day — e.
Particular attention might be given to orders of this kind which result in the execution of transactions near to a reference point during the trading day — e. We fully support the Police and all International Governments and Agencies in their fight against Money Laundering and have procedures in place to combat all areas of this activity.
We will not tolerate any attempts to launder money or what may appear to be laundering money and we reserve the right to reject or refuse any payment or payment request if we have any suspicions about the legality of the transaction, even if it is legitimate.
Every effort will be made to ensure that all clients and their business transactions are treated fairly and professionally. At no time will this affect or impair their duty to act in the best interests of our clients and fully complies with the Bribery Act AAG Markets We are committed to providing the best service we can to our clients.
Although we can accommodate your consent withdrawal on any promotional communication, this may not be applicable for operational or regulatory purposes, hence we may be unable to continue providing you with services. We will notify you in this case. These include credit card processing and verification centers, law enforcement agencies, any financial or other regulators, our auditors and compliance officer, and introducing brokers that we may have a business agreement with.
Otherwise we hold the information in secure paper-based files. No unauthorised persons are able to gain access to these storage facilities. You have the option of turning this function off via your computer settings if you wish, although this may affect your ability to view other parts of the website.
To do so you must write to us requesting this information and providing verification of your identity. AAG Markets may at its absolute discretion terminate a client agreement at any time with immediate effect or as otherwise agreed with AAG Markets.
In the interests of treating customers fairly TCF we will give you the reason, unless we are not permitted by law. Examples of situations where we may terminate a client agreement are non-exhausting list :. Once the Agreement terminates, all ending orders will be cancelled and all open positions will automatically close. If we decide to close your account, while you have open positions, then you will not be entitled to open any new positions, but you will normally be able to close any positions that remain open in the normal manner for a specified period of time.
After that AAG Markets will close any open positions at the prevailing price at that time. If we are unable to resolve the issue within three business days following receipt of your complaint, it will be escalated and you will receive written acknowledgement to confirm who will handle your complaint, and how you can contact them. It is important to gather such document accurately.
Failure to do so might give room for fraud and invite regulatory attention followed by relevant penalties. This letter will contain the name or job title of the individual s handling the compliant, together with a copy of AAG Markets own internal complaint handling procedure. Although we will always provide a response in a prompt manner and will aim to keep you informed of any progress in the investigation process, your complaint will be, at the latest, dealt with within 8 weeks from the date of receipt.
Should we be unable to provide our final response within this time, we will notify you to explain why this is the case. It shall provide you with reasons for the delay and an indication when it expects to be able to provide you with a final response.
At AAG Markets we want you to trade successfully, but we are fully aware that this does not always happen, and we actively encourage responsible trading. In those situations, it is important that you are responsible in your actions to make sure you do not lose more money than you can afford to.
You should only ever speculate with money you can afford to lose and it is imperative that you have read and understood our Risk Warning notice. If you do feel that you need help in this area, then the following web sites may be useful to you. They are confidential and contain information, email addresses and help lines. AAG Markets does have a self-exclusion policy where, upon receiving a request from a client, we will close any open positions and suspend trading on the account for a minimum of 6 months up to 5 years.
During that time, we will endeavor not to allow you to open any other accounts, although we will not be held liable if you do and subsequently lose money. The proper handling of personal data is extremely important to us. We therefore take your privacy seriously when processing and protecting your personal data. This is done in accordance with provisions set out in the applicable privacy laws including the General Data Protection Regulation.
We retain your Personal Data for as long as it is required to satisfy the purpose for which they were collected and used, unless a longer period is necessary for our legal obligations or to defend a legal. Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed anonymous data.
We also may use the information we have about you for the following purposes:. Send you technical notices, updates, security alerts, invoices and other support and administrative messages;. Communicate with you about products, services, offers, promotions, and events, and provide other news and information we think will be of interest to you;. Personalize the Services and provide advertisements, content and features that match user profiles or interests. We collect general anonymous analytical information on the use of the services for their optimization.
The information collected from cookies allows us to determine such things as which parts of our Site are most visited and difficulties our visitors may experience in accessing our Site. With this knowledge, we can improve the quality of your experience on the Platform by resolving access difficulties and recognizing and delivering more of the most desired features and information. We use third party service provider s , to assist us in better understanding the use of our Site.
Our service provider s will place cookies on the hard drive of your computer and will receive information we select, that will educate us on such things as how visitors navigate around our site, what products are browsed, and general Transaction information.
With our partners. We may share information with vendors, consultants, and other service providers but not with advertisers and ad partners who need access to such information to carry out work for us. To comply with the law. We may share information in response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation, legal process or governmental request, including, but not limited to, meeting national security or law enforcement requirements.
To the extent the law allows it, we will attempt to provide you with prior notice before disclosing your information in response to such a request. In an emergency. To enforce our policies and rights. With our affiliates. We may share information between and among AAG Markets and any of our parents, affiliates, subsidiaries, and other companies under common control and ownership.
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FSA administration is complex, and errors, omissions, or noncompliance with the rules can be expensive. Privacy laws regarding medical record confidentiality complicate administration, so most employers outsource FSA administration to third-party companies like they do for insurance plans and k plans. Your employer can decide whether to set up an FSA that covers health care expenses, child care expenses, or both.
The two are similar in some ways but differ in their purpose, contribution limits, and qualifying expenses. As you estimate your health care costs for the upcoming year, keep in mind these products and services you can purchase with a flexible spending account:. See a full list of eligible expenses according to the IRS. A health savings account HSA through a company like Lively is similar to a flexible spending account.
An HSA is a tax-advantaged account you can use to cover out-of-pocket medical expenses. For example, if one plan only covers vision and dental, you could enroll in another to cover medical care. If your employer offers both plans, the plan administrator should explain the rules governing the accounts to you.
Tax-advantaged flexible spending accounts and health savings accounts let you use pretax dollars to pay for out-of-pocket medical, vision, dental, and in some cases dependent care costs. Funneling your health care funds through these accounts reduces the amount of money that comes out of your pocket. When employers offer an FSA, they typically include a fixed upfront deposit, so you could get free money to help with health care or dependent care costs.
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Date January 11, Dana Sitar. Share This Article. Join Our Facebook Group. Dig Deeper. Follow MoneyCrashers. Trending Articles. Become a Money Crasher! Join our community. Share this Article. What Is a Flexible Spending Account? You determine how much to contribute from each paycheck when you enroll. How to Use FSA Funds To spend funds from your FSA, you either apply for reimbursement of qualifying expenses or receive a debit card from your employer that you can use to make payments upfront.
Increase Coverage. Pay You. Employers can distribute the funds to FSA participants as taxable income. Amounts adjust each year with inflation. Immediate Fund Availability : The full amount you agree to contribute to an FSA in the coming year is available to you on the first day of the year. Eligible Expenses : The plans are intended to generally cover your out-of-pocket medical, dental, vision, and pharmacy expenses, including over-the-counter medication and menstrual products, which were added in Administration : Your employer might issue you a debit card you can use to pay for eligible expenses.
Some plans require itemized receipts for debit card purchases. Your employer can contribute beyond that limit, but you have to claim anything above the limit as income on your tax return. The firms want to know that you will pay up and you should also be aware that this type of gambling debt IS legally enforcable. The other stumbling block may be that you are applying from a country or area where gambling is prohibited in which case, they cannot legally take you on as a client.
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