Terms of use

Educational material, not advice

The pages on this site are educational material only. They are not personal advice, not a recommendation to trade and not an offer to buy or sell any instrument.

A reader who acts on anything published here does so on their own judgement and their own responsibility. The desk does not know a reader's finances, experience or goals, and cannot tailor anything to them.

The risk in gold CFDs

Trading CFDs on gold carries a high risk of loss, and most retail accounts lose money. Leverage magnifies both a gain and a loss, and the leverage cap that applies to the entity serving Kenya is a cap rather than a setting to aim at.

A worked figure shows the scale: at the applicable cap, a 0.10-lot gold position needs about $85.50 margin. Margin is the amount set aside to hold the position, not the most a reader can lose on it.

Dated figures and affiliate links

Every figure on the site is dated and must be verified with the broker before it is relied on. Terms, costs and platform lists change, and the broker's own current document is always the authority.

Some links to brokers are affiliate links, which means the reader's relationship is with the broker and not with this desk. The regulator fact stands as written: FxPro is licensed by the FCA (UK), CySEC and FSCA — not by the CMA of Kenya.

What Thika Signup Provides and What It Does Not

Thika Signup is an information and education site about trading gold CFDs (XAU/USD) for readers in Kenya. It explains how the instrument works, how margin and pips are calculated, and how local funding through M-Pesa fits into the process. It does not execute trades, hold client money, or manage accounts. Any decision to trade is yours alone, and any order you place goes to the broker you choose, not to this site.

The site does not give personalised investment advice and does not know your financial situation, goals, or tolerance for loss. Nothing here is a recommendation to buy or sell gold, to use any particular leverage, or to fund an account with any specific amount in KSh. The worked figure of about $85.50 margin for a 0.10-lot gold position is an illustration of the margin formula, not a suggestion that you should trade that size.

Educational content cannot replace regulated advice. If you need guidance on whether gold CFDs suit your circumstances, speak to a licensed financial adviser. Thika Signup is not registered with the CMA of Kenya to provide investment advice, and no content on this site should be read as a substitute for a formal advisory relationship. The site exists to make the mechanics clearer, not to tell you what to do with your money.

The Affiliate Relationship, Stated in Full

Thika Signup earns money through affiliate links to FxPro. When a reader clicks a link to FxPro from this site and opens an account, the site may receive a payment from FxPro. That payment is a form of advertising revenue and does not change what you pay to the broker, because the costs you face are set by FxPro under the terms of the entity that serves Kenya, not by this site.

The affiliate relationship means the site has a financial interest in readers choosing FxPro. You should weigh that when reading any page that mentions the broker. The site aims to describe how gold CFDs work in neutral terms, but the presence of affiliate links is a commercial arrangement and is disclosed here so you can judge the content accordingly. No affiliate payment is contingent on your trading results or on the size of your account.

Affiliate links do not make Thika Signup a representative, agent, or partner of FxPro for regulatory purposes. The broker is responsible for its own licensing, client onboarding, and conduct, and the site cannot approve accounts, change spreads, or resolve complaints. If you open an account, your legal relationship is with FxPro, and any dispute about orders, funding, or withdrawals is handled by FxPro and its regulators, not by this site.

Limits of Liability in Plain Words

Thika Signup is not liable for trading losses you incur. Gold CFDs are high-risk products, and you can lose more than you deposit if the market moves against you. The site provides information, and you are responsible for every order you place, every lot size you choose, and every funding decision you make through M-Pesa or any other route offered by your broker. The site does not control execution, pricing, or platform availability.

The site does not guarantee that any figure, formula, or example on these pages matches the live terms of any broker at the moment you read it. The reference price of about 4275.0 for XAU/USD and the margin example of about $85.50 for a 0.10-lot position are illustrations. Actual margin depends on the leverage cap that applies to the entity serving Kenya and on the price at the time of your trade, so your numbers will differ.

To the extent permitted by law, Thika Signup excludes liability for indirect or consequential loss arising from use of this site, including loss of profit or loss of data. The site does not exclude liability that cannot be excluded by law. If you rely on any explanation here, you do so at your own risk, and you should confirm the current terms directly with FxPro before placing any trade or sending any funds.

The Law That Applies to These Terms

These terms are governed by the laws of Kenya. If a dispute arises about the content of this site, the courts of Kenya have jurisdiction, and Kenyan law determines how the terms are interpreted. This choice of law applies to the information service Thika Signup provides, not to your trading account with FxPro, which is governed by the agreement you sign with the FxPro entity that serves Kenya.

The site operates as an information publisher and is not licensed by the Capital Markets Authority of Kenya. FxPro is licensed by the FCA (UK), CySEC, and FSCA, not by the CMA of Kenya. That distinction matters: the regulator caveat you see on this site reflects the broker's licences, and the CMA does not supervise Thika Signup or the affiliate arrangement described on this page.

Nothing on this site is intended to create a client relationship, a fiduciary duty, or an advisory contract under Kenyan law. The content is published for general information, and you should not treat it as a legally binding representation about any broker's services. If any provision of these terms is found unenforceable under Kenyan law, the remaining provisions continue to apply to the extent permitted.

How Changes to These Terms Are Published

Changes to these terms are published on this page, and the revised version takes effect when it is posted. Thika Signup does not send individual notices for every edit, so readers who want to track changes should revisit the page. The site may update wording to reflect new broker facts, corrected formulas, or clearer explanations of risk, and it may remove content that has become inaccurate.

The site does not promise advance notice of changes. Because the page is a live reference, the version you see is the current one, and earlier versions are not archived for public comparison. If a change affects how affiliate links are described or how liability is limited, the updated text will appear here in full so that the disclosure remains complete on the page itself.

Continued use of the site after a change is published means you accept the revised terms. If you do not accept a change, you should stop using the site. The site cannot notify you of changes made by FxPro to its own client agreement, leverage cap, or funding arrangements; those are published by FxPro, and you should check the broker's documents directly before trading.

What the Margin Example Does and Does Not Show

The worked margin figure of about $85.50 for a 0.10-lot gold position shows how the margin formula behaves at the leverage cap that applies to the entity serving Kenya. It does not show the margin you will be charged, because that depends on the live XAU/USD price and on the exact cap applied to your account. The example is there to make the arithmetic visible, not to set an expectation.

Margin is not a cost and is not a maximum loss. It is the amount set aside from your equity to open the position, and it is returned to your available balance when the position is closed. Losses can exceed the margin amount if the market moves against you, which is why gold CFDs carry a risk of losing more than you deposit. The example does not predict volatility or the size of any swing in XAU/USD.

The example also does not describe spreads, commissions, or swaps, because those are separate from margin and depend on the broker's current schedule. Thika Signup does not state a spread or commission figure on this page, and you should check FxPro's own documentation for the costs that apply to your account. The margin number is one input into your planning, not a full picture of what a trade costs.