Terms of Service

1. Service Provider And Scope

1.1 The service is provided by Backcom.io (“we”). You can reach us by email at [email protected] or on WhatsApp at +84 333 360 365.

1.2 These Terms apply when you use the backcom.io website, the Backcom App at app.backcom.io and the Backcom.io Telegram bot (together, the “service”).

1.3 These Terms, together with the Privacy Policy, the Cookie Policy, the Risk Disclaimer, the rebate rate table in the App and the rules of each programme (if any), are the whole agreement on the service. Backcom.io’s marketing must match these Terms; if they conflict, the content more favourable to you applies.

1.4 These Terms are for individual users. Business partners such as sub-IBs and affiliates also sign a separate partner agreement.

2. Definitions

Partner broker

A broker or exchange whose introducing partner (IB, affiliate) programme Backcom.io takes part in. The current list is shown in the App.

IB commission

The amount a partner broker pays Backcom.io, based on the trading volume or fees of the accounts it introduced.

Rebate

The share of the IB commission that Backcom.io passes back to you at the rate published for each broker, up to 100% of the IB commission Backcom.io actually receives.

Connected account

Your account at a partner broker (UID, account number, client ID or broker-registered email) that you connect to the Backcom App.

Backcom.io Wallet

A ledger of the amounts Backcom.io owes you. The wallet is not a deposit account; it does not accept deposits, cannot send money to other people, cannot be used for payments and earns no interest.

Points

Loyalty rewards in the App that can only be exchanged for gifts or vouchers listed in the App.

3. Eligibility

3.1 You must be at least 18 and have full legal capacity.

3.2 Each person may hold only one Backcom.io account. Accounts may not be transferred, lent or shared.

3.3 You must give accurate and complete information and keep it up to date. Before paying out, Backcom.io may ask you to verify your information to a level that suits the amount and the risk.

3.4 You are responsible for making sure that opening trading accounts and using the service comply with the law where you live, including trading, foreign-exchange and tax rules.

4. Accounts And Broker Connections

4.1 You must keep your sign-in details secret and protect your devices and wallets. Backcom.io never asks for the sign-in details, verification codes or private keys of your broker accounts or wallets; any such request made in Backcom.io’s name is fraudulent.

4.2 Only trading accounts that the broker records under Backcom.io’s referral code earn rebates. You may only connect accounts that you own.

4.3 To connect an account, Backcom.io sends the broker the details you enter so the broker can verify them, and receives that account’s trading data from the broker, as described in the Privacy Policy. You can disconnect at any time; trades after you disconnect earn no rebate.

4.4 If the ownership of a connected account is disputed, Backcom.io may pause payouts for that account and ask the parties to prove ownership, for example with the email registered at the broker or the broker’s confirmation. Rebates are paid to the person who proves ownership.

5. How Rebates Are Calculated

5.1 Our duty to pay a rebate on a trade arises only once Backcom.io actually receives the matching IB commission from the broker. If the broker adjusts, claws back or withholds that commission, the rebate is adjusted accordingly; Backcom.io tells you why and pursues the broker for payment.

5.2 Rebates are calculated with the formula and rates published in the App for each broker, as they stand at the time of the trade, from the commission report the broker sends Backcom.io. Intraday estimates are for reference only; your closed statement is the basis for payment.

5.3 You may ask us to re-check a statement within 60 days of its closing date. Backcom.io reconciles it with the broker and replies within 7 working days. This does not limit your right to complain or to sue.

5.5 Rebate amounts are rounded down to two decimal places.

6. Payouts, Wallet And Withdrawals

6.1 Depending on the broker, rebates are paid in one of two ways: credited to your Backcom.io Wallet for you to withdraw, or paid into your trading account at the broker. The payout method, closing schedule and payout schedule for each broker are shown in the App.

6.2 Backcom.io pays on the published schedule. If a payout is late because the broker is late sending its report or paying its commission, Backcom.io says so in the App and pays as soon as it receives the money.

6.3 The minimum withdrawal, transfer fees and available withdrawal methods are shown in the App before you confirm a withdrawal. Fees are the actual transfer cost of the method you choose. Balances below the minimum stay in your wallet and keep adding up; they are never lost.

6.4 Money is only sent to a receiving account or address that has been verified and that you control. You are responsible for the accuracy of the payout details you give; a payment sent to wrong details you provided may not be recoverable.

6.7 If your account is inactive for 12 months, Backcom.io will notify you by email or in the App. You may need to verify your account again before withdrawing. Balances are never cancelled for inactivity.

7. Referral Rewards, Points And Events

7.1 Referral rewards are paid by Backcom.io itself and do not reduce the rebates of the person you referred. The reward rate, the brokers that count and the conditions are shown in the App at the time you claim.

7.2 Referral rewards have a single tier: you only earn from people you referred yourself. No reward is paid if the referred user is you or an account you control.

7.3 Points cannot be bought, sold or transferred and can only be exchanged under the catalogue and conditions in the App. Unfavourable changes to the gift catalogue or point values are announced at least 15 days ahead; points you already hold are not cancelled because of such a change.

7.4 Each event, contest or promotion has its own rules, published before it starts, and those rules apply to that event. Backcom.io does not change the rules to the detriment of participants while the event is running.

7.5 The prediction game (if offered) is free; players do not stake money, points or any asset.

8. Prohibited Conduct

When using the service you must not:

• open several accounts, refer yourself or use accounts you control to collect rewards;
• place offsetting trades, churn orders or use any other method to create volume only to earn rebates, rewards or points;
• give false information, or connect or receive money through another person’s account or wallet without authority;
• use the service for money laundering, terrorist financing or fraud, or to receive money of unlawful origin;
• probe, exploit, interfere with or disrupt our systems, or use automated tools to create accounts or claim rewards;
• impersonate Backcom.io, its staff or anyone else.

Backcom.io identifies breaches from objective signs, such as data supplied by brokers or accounts and payout details shared between users, following the process in Sections 6.5 and 9.2.

9. Suspension And Termination

9.1 You may stop using the service and ask us to close your account at any time. Backcom.io pays out your valid balance, less only the published actual transfer cost.

9.4 Planned maintenance is announced at least 3 working days ahead. If Backcom.io ends the programme for a broker or the whole service, it gives at least 30 days’ notice, unless a broker or an authority forces an earlier end; rebates that accrued before the end date are still paid.

10. Scope Of Responsibility

10.5 You compensate Backcom.io for actual loss caused by your fault, such as false information or fraud.

10.6 Force majeure means an objective event that could not be foreseen or overcome despite all necessary measures (Article 156 of the Civil Code), which may include a failure of a payment network or an order from a state authority. The affected party notifies the other promptly and resumes once the event ends; commission Backcom.io has already received from brokers is still paid out under these Terms.

11. Tax

11.1 Rebate and reward amounts are shown before tax. You are responsible for your own tax filings and payments under the law where you live.

11.2 Where the law requires, Backcom.io withholds tax before paying and issues a withholding certificate. You must provide your correct personal tax code or identity document when asked for this purpose.

12. Changes To These Terms

12.3 Rebate rate changes imposed by a broker take effect when the broker applies them; Backcom.io tells you as soon as it knows.

12.4 Each version has a number and an effective date. Backcom.io keeps past versions and sends them to you on request.

13. Intellectual Property And Your Reviews

13.1 Backcom.io’s content, logos, interface and code belong to Backcom.io or its licensors. You may view them and share links; copying for commercial purposes needs written permission, except where the law allows.

13.2 Broker names and logos belong to their owners and are used for identification only.

13.3 By posting a review you grant Backcom.io a non-exclusive, royalty-free licence to display, quote and translate it on our website and in the App, with the display name you choose. Backcom.io only hides or removes reviews that are unlawful, abusive, promotional, spam or off-topic, and never edits your content without your consent.

14. Complaints And Disputes

14.3 These Terms are governed by Vietnamese law, without removing any mandatory consumer rights under the law of your place of residence.

15. General

15.1 Notices sent to your registered email or in the App have the same effect as written notices and are treated as received when our system records successful delivery. Keep your email address up to date.

15.2 Backcom.io’s system logs, consent records and transaction data serve as evidence of your actions and choices, under the Law on E-Transactions 2023.

15.3 Backcom.io may transfer these Terms to a successor. It gives at least 30 days’ notice and asks for your consent in the App; if you do not agree, you may end the service and withdraw your valid balance free of charge.

15.4 If any provision is invalid, the rest remain in force.

15.5 These Terms are made in Vietnamese, with an English version. If the two are understood differently, the version more favourable to you applies.