The rules they do not put on the pricing page
48 terms across 15 firms that can cost you an account or a payout after you have paid — 28 of them close the account outright. Every one is quoted from the firm’s own pages, with a link to where we read it.
Consistency
Limits on how much of your profit may come from one day or one trade.
Striking System: four warnings and the account is gone
On eligible Master Accounts a trade idea that reaches roughly 1% of account size in floating loss generates a warning. The consequences escalate: first warning takes the profit from that trade idea, second halves your reward split, third cuts it to 20%, fourth breaches the account. Crucially the warnings do not reset after a payout — they follow the account.
Zero requires 7 profitable days in every 30
The Zero model requires a minimum of 7 profitable days per 30-day period, and a day only counts if it closes at least 0.25% up. A profitable but inactive month can therefore fail an account that has broken no loss limit.
One day cannot be 40% of your profit
On on-demand payouts, no single trading day may represent more than 40% of your total cumulative profit before you can request a withdrawal. One outsized day therefore delays the payout rather than earning it — you have to trade on to dilute it.
Consistency is checked only when you ask to be paid
The consistency rule is applied at the moment a reward request is submitted, not during trading. You can trade the whole period believing you are compliant and find out at payout that you are not.
Trading one instrument too heavily is itself a breach
Once you have ten or more closed trades in a Payout Cycle, Finotive checks concentration: if 70% or more of those trades — or 70% or more of your total exposure — are on the same symbol in the same direction, that is Excessive One-Sided Position Concentration. Requesting a payout while the condition is active records a Conditional Strike and cuts that payout to 10%. Their own wording says it does not require a 50/50 buy-sell balance and does not prohibit trading one instrument, but a specialist who only trades gold long will meet it.
Instant Funding carries a consistency rule you choose at checkout
Instant Funding is sold with either a 15% or a 20% consistency requirement, picked as an add-on when you buy, and the profit split moves with it. No other route in the range has one. It is a term of the product rather than a rule published on a rules page.
Winning too fast adds a minimum-days requirement to your funded account
On every evaluation model, taking more than 60% of the profit target in a single trade idea means a minimum of 4 profitable days is applied to the Master account you go on to receive. A good trade during the challenge therefore changes the terms of the funded account it earns you.
The Best Day Rule can hold up your pass or your payout
On the 1-Step, your Best Day may not represent more than 50% of your Positive Days’ Profit — the sum of closed profit and loss across all profitable days. Importantly FTMO state that exceeding it is NOT a breach: the account survives, but you have to keep trading and generating profit until the best day falls back to 50% or less before you can pass or be paid. One outsized winning day therefore delays you rather than ending you. The 2-Step has no Best Day Rule at all.
During the challenge you are not told when you break these rules
Finotive states plainly that during Challenge and Pro Challenge it will not issue real-time dashboard alerts, email alerts, platform notifications, Early Soft Warnings, Formal Warnings or Conditional Strike indicators for the warning-based and conditional-strike rules. Findings are collected and handed to you in a Challenge Phase Progression Report after you pass the stage. You can therefore trade an entire challenge building up findings you have no way of seeing.
This list is only as complete as our reading. 15 of the firms we track have been through a rulebook pass; the rest are still to do, and a firm missing from here has not been cleared — it has not been checked. See every firm we track.