Version: 1.1
Effective date: 23.07.2026
Last updated: 23.07.2026
Scope of the 1.1 update: Tier thresholds, the definition and calculation of rewards-back, a new Points table (Annex 1), payout Points as an ordinary scoring item available to all Participants, Reward issuance rules, Catalogue changes, Redemption limits, the effects of a chargeback, territorial availability of Rewards, and liability under the Program.
1.1. These Terms and Conditions set out the rules of participation in the Vault Program, a loyalty program run by the Operator as part of the MyPropFirm website.
1.2. The operator of the Program is MYPROPFIRM SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, with its registered office in Kluszkowce (34-440), ul. Podhalańska 23, NIP 7352939866, REGON 544343026, KRS 0001230981, e-mail kontakt@mypropfirm.pl (hereinafter: the "Operator").
1.3. The Vault Program is a service provided electronically within the meaning of the Polish Act of 18 July 2002 on the Provision of Electronic Services, and forms an integral part of the MyPropFirm Website Terms and Conditions. Matters not regulated by these Terms are governed by the Website Terms and Conditions, the Privacy Policy, and the Cookie Policy.
1.4. Participation in the Program is voluntary and free of charge. It is not a condition for using any other features of the Website.
1.5. The Program currently covers only futures-type accounts purchased through Partners. The Operator is working on extending the Program to crypto-type accounts. Until that extension is introduced, crypto account purchases are not covered by the Program: they do not generate Points and do not entitle the buyer to Rewards.
3.1. Any person who is at least 18 years old, has created an Account on the Website, and has confirmed their email address may join the Program.
3.2. A Participant may hold only one Account in the Program. To prevent abuse, the Operator verifies the uniqueness of a Participant based on their email address and the technical means described in the Privacy Policy (section 2.4).
3.3. By joining the Program, a Participant accepts these Terms and Conditions.
4.1. A Participant earns Points in a deterministic manner, according to pre-established rules. The Program contains no elements of chance.
4.2. Points may be earned through:
4.3. Rewards-back is calculated according to the formula:
Points = Qualifying Purchase Amount (USD) × 1,000 × the rewards-back rate applicable to the Participant's Tier.
The conversion rate is 1,000 Points for every 1 USD of value. Rewards-back is calculated on the full order amount, regardless of the number of accounts purchased as part of that order. Example: for an order worth 98 USD at a 2.5% rate, the Participant receives 98 × 1,000 × 2.5% = 2,450 Points.
4.4. Points for a Qualifying Purchase are credited conditionally (pending status) until the transaction is confirmed and paid for. In the event of a refund, cancellation, or chargeback, the corresponding Points are cancelled; the effects of such an event occurring after a Redemption are governed by point 10.3.
4.5. The point values of tasks, bonuses, reviews, payouts, and referrals are set out in Annex 1. The Operator may change them under the rules in section 12, provided that a change does not reduce Points already earned.
4.6. The Operator may announce temporary promotions with a deterministic Points multiplier (e.g. 1.5x) during windows announced in advance, as well as separate promotional campaigns whose rules are set out in dedicated terms. The Operator does not use random multipliers or random rewards.
4.7. Purchases from Partners excluded from the Program (currently: Apex Trader Funding and FundedNext Futures) are not Qualifying Purchases. Proof of such purchases is not accepted and does not generate any Points, including rewards-back or the bonus for the first verified purchase. Products from these Partners are not included in the Catalogue.
5.1. A Participant's Tier is determined by Lifetime Points according to the following table:
| Tier | Threshold (Lifetime Points) | Rewards-back rate |
|---|---|---|
| Rookie | 0 | 2.5% |
| Runner | 500,000 | 3.0% |
| Trader | 2,000,000 | 4.5% |
| Senior | 5,000,000 | 4.5% |
| Partner | 10,000,000 | 5.5% |
| Principal | 25,000,000 | 6.5% |
5.2. Advancement to a higher Tier occurs once the corresponding Lifetime Points threshold is reached, and applies from that moment onward. The higher rewards-back rate applies to Qualifying Purchases verified after the advancement.
5.3. Tier is determined by Lifetime Points (the sum of Points ever earned by a Participant). Redeeming Rewards only reduces the Points Balance and does not reduce Lifetime Points or Tier. Tier cannot be downgraded.
5.4. The Operator may grant a Participant a Tier as part of an announced promotional campaign, under the rules set out in that campaign's terms. Granting a Tier in this manner does not involve granting Lifetime Points or Points to the Balance.
6.1. A Participant may redeem Points from their Balance for Rewards available in the Catalogue, at the point price stated in the Catalogue.
6.2. Rewards are challenge-type accounts (evaluation accounts) and other products indicated in the Catalogue. The Operator does not guarantee that a Participant will obtain a funded account, a payout, or pass an evaluation. Rewards are not funded accounts.
6.3. Rewards are provided by the Operator from its own funds. The Operator purchases them in its own name, financing them from commission revenue received from Partners. A Reward is not a refund or a reduction of the price paid by the Participant to a Partner.
6.4. Redemption requires that the Participant has made at least one Qualifying Purchase verified by the Operator within the preceding 12 months.
6.5. Redeeming Points for a Reward requires that at least 70% of the Points redeemed be Purchase Points, and no more than 30% Non-Purchase Points. Non-Purchase Points exceeding the permitted share cannot be used for a given Redemption and remain in the Balance. This means Non-Purchase Points alone are not sufficient to obtain a Reward.
6.6. Verification of a Qualifying Purchase requires the Participant to submit proof of purchase. The Operator processes it solely for verification purposes and deletes it promptly afterward, no later than within 14 days. The processing rules are described in the Privacy Policy (section 2.4).
6.7. Proof of purchase must be submitted through the Website within 14 days of the purchase date shown on the proof. Submissions relating to purchases older than 14 days are not accepted. The Operator verifies the submitted proof and credits the corresponding Points within up to 2 business days of submission.
6.8. The Operator issues a Reward within up to 5 business days of Redemption, sending the code or access details to the email address associated with the Account, once the conditions in section 11 are met.
6.9. The Catalogue, including the availability of Rewards and their point prices, may change. Only one-time products are available for redemption. The Operator may temporarily limit or suspend the availability of particular Catalogue items, in particular due to their availability at a Partner.
6.10. If the point price of a Catalogue item is increased by more than 20%, the Operator will announce this on the Website at least 7 days in advance. A Redemption started before the change takes effect is completed at the point price in effect when it started.
6.11. A Participant may make no more than 2 Redemptions in a calendar month, including no more than 1 Redemption of a Reward with a point price exceeding 300,000 Points in a calendar quarter.
6.12. The availability of particular Rewards may be territorially limited if a Partner does not provide services to persons from a given country or region. Such a limitation applies only to the ability to redeem Points for a specific Reward and does not limit participation in the Program, the earning of Points, or redemption for other available Rewards. Current limitations are indicated next to the relevant Catalogue item.
6.13. If, after a Redemption, issuing the Reward proves impossible — in particular due to the termination of cooperation with a Partner, the Partner ceasing operations, or a refusal to fulfil the Reward — the Operator returns the redeemed Points to the Participant's Balance. The return of Points fully satisfies the Participant's claims in this respect.
6.14. Rewards-back rates (e.g. 2.5%) determine the rate at which Points accrue, not a guaranteed monetary value of the return. The value of Points upon redemption depends on the point prices in effect in the Catalogue at the time of redemption. The Operator does not guarantee a fixed relationship between Points and the monetary value of Rewards.
6.15. Redeeming Points for a Reward does not involve any monetary payment. A Reward constitutes digital content or a digital service. If a Participant who is a consumer requests that the use of the Reward begin before the withdrawal period expires and expressly consents to this, acknowledging the loss of the right of withdrawal, the right of withdrawal expires at the moment use begins (Article 38 of the Polish Act of 30 May 2014 on Consumer Rights).
7.1. Points are not a means of payment, have no monetary value, cannot be exchanged for cash, and cannot be transferred to other persons, sold, or inherited.
7.2. A Participant's Points Balance expires after 12 months of inactivity, meaning no Points earned or redeemed for 12 consecutive months. Expiry of the Balance does not reduce Lifetime Points or Tier.
7.3. If a Participant leaves the Program, has their Account deleted, or is excluded from the Program, unused Points are forfeited without any right to compensation.
7.4. A Participant may leave the Program at any time by contacting the Operator or using the relevant option in their Account settings.
8.1. A Participant may refer the Program to other persons using an individual link or code.
8.2. A referral bonus is granted once the referred person makes their first Qualifying Purchase. Bonus values are set out in Annex 1.
8.3. A limit of 5 credited referrals per calendar quarter applies. Referrals exceeding the limit are not forfeited: they are credited in the following calendar quarter, within the limit applicable at that time.
8.4. Self-referral and creating accounts to obtain bonuses fraudulently are prohibited.
9.1. A Participant may post reviews of Partners under the rules described in the Website Terms and Conditions (including the requirement of direct experience with the Partner, and the moderation and DSA notice-and-action rules under Regulation (EU) 2022/2065) and in the Methodology.
9.2. Points in the amount set out in Annex 1 may be granted for a moderated Partner review, provided that a maximum of 2 reviews per Participant are eligible for points, one per Partner. Points are awarded regardless of whether the review is positive or negative. The fact that reviews may be incentivised by Points is disclosed alongside the reviews section, in accordance with the Omnibus Directive (2019/2161) and the DSA.
9.3. Reviews are subject to moderation. Removal of a review as a result of moderation results in the cancellation of the Points awarded for it. The rules, justification, and appeal procedure set out in the Website Terms and Conditions apply to a decision to remove a review.
9.4. A Participant may report a verified payout through a dedicated form in the Participant panel, optionally attaching proof of the payout. The submission includes only the account name or the Participant's full name and the payout amount; it does not include sensitive data or payment card data.
9.5. For reporting a verified payout, the Operator grants Points in the amount set out in Annex 1, within the limit applicable there. There is no minimum payout amount. Granting these Points does not depend on consent to the public leaderboard referred to in point 9.6.
9.6. The Operator may make a public leaderboard of Participants available, based on verified payouts in a given calendar month. A Participant's inclusion in the leaderboard, and the public display of their data (name or handle and amount), takes place only on the basis of a separate, voluntary, opt-in consent, with a choice of being shown under a handle or anonymously, revocable at any time. Withdrawal of consent results in immediate removal from the leaderboard.
10.1. Actions aimed at unfairly obtaining Points or Rewards are prohibited, in particular: creating more than one Account, circumventing uniqueness verification, using bots or automation, falsifying proof of purchase or payout, and abusing the referral mechanism.
10.2. If a violation is found, the Operator may suspend the accrual of Points, cancel Points obtained through a violation, suspend Redemption, and — in the case of a serious or repeated violation — exclude the Participant from the Program. The rules and notification procedure of the Website Terms and Conditions apply accordingly to exclusion.
10.3. If Points subject to cancellation under point 4.4 have already been used in a Redemption, the Participant's Points Balance may become negative, up to the amount of the cancelled Points. Until the negative Balance is settled, the Operator suspends further Redemptions. In the event of a chargeback occurring after a Reward has been issued, the Operator may additionally, to the extent made possible by the Partner, deactivate the issued Reward, and in the case of repeated occurrences, exclude the Participant from the Program.
10.4. Point 10.3 does not apply if the refund, cancellation, or chargeback occurred for reasons attributable to the Partner or the Operator.
11.1. Issuing a Reward constitutes income from other sources for the Participant within the meaning of Article 20(1) of the Polish Act of 26 July 1991 on Personal Income Tax ("PIT Act"). The exemption for promotional sales (Article 21(1)(68) of the PIT Act) and the 10% flat-rate taxation (Article 30(1)(2) of the PIT Act) do not apply to Rewards, because Points can also be earned for activity unrelated to purchases.
11.2. The Operator does not withhold tax on Rewards. The Operator prepares and submits a PIT-11 information return (Article 42a of the PIT Act) to the tax authority and to the Participant. The Participant is solely responsible for reporting income from Rewards in their annual tax return.
11.3. Receiving a Reward is conditional on the Participant providing the data necessary to issue the tax information return:
11.4. The value of a Reward is determined according to market prices in accordance with Article 11(2a) of the PIT Act. If the value of a Reward is expressed in a foreign currency, it is converted into PLN at the average exchange rate of the National Bank of Poland from the last business day preceding the day the Reward is issued.
11.5. Tax data is provided when a Reward is received, before it is issued. If a Participant does not provide the required data or does not make the required declaration, the Reward is not issued, and the Points remain in the Participant's Balance subject to the general rules of these Terms, including expiry (section 7).
12.1. The Operator may amend these Terms for valid reasons (changes in law, changes to the Program's rules, security considerations). The Operator will announce changes on the Website, and will also notify Participants with an Account by email, at least 14 days before the changes take effect.
12.2. The Operator may terminate the Program with at least 30 days' notice announced on the Website. Until the termination date, a Participant retains the right to redeem accumulated Points for available Rewards. After that date, unused Points are forfeited.
12.3. Changes to these Terms do not affect rights already acquired by a Participant before they take effect, and in particular do not reduce Points already earned or the Tier already reached.
13.1. The Operator is liable for the non-performance or improper performance of obligations arising from the Program under general rules, subject to the limitations set out below.
13.2. In the event of an incorrect crediting of Points, in particular due to a technical error, the Operator corrects the Balance and Lifetime Points to the value resulting from these Terms. Points granted by mistake, in an amount not resulting from these Terms, do not constitute an acquired right within the meaning of point 12.3 and are subject to correction. The Operator informs the Participant of a correction, stating its reason.
13.3. The Operator is not liable for temporary unavailability of the Participant panel resulting from technical work, failures beyond the Operator's control, or force majeure. If unavailability of the panel prevents a submission from being made in time, the Operator, at the Participant's request, extends the relevant time limit referred to in point 6.7 accordingly.
13.4. The Operator is not liable for the acts or omissions of Partners, including the terms of an evaluation, its outcome, payout rules, and a Partner's decisions regarding a Participant's account.
13.5. The limitations of liability do not affect the rights of a Participant who is a consumer arising from mandatorily applicable provisions of law.
14.1. Complaints regarding the Program may be submitted to kontakt@mypropfirm.pl. The Operator will handle complaints within 14 days of receipt and will inform the Participant of the outcome electronically. For more on consumer rights and complaints relating to the Program, see the Consumer Complaints and Rights page.
15.1. The controller of Participants' personal data is the Operator. The rules on processing data in the Program, including tax data, are described in the Privacy Policy, in particular section 2.4, in accordance with Regulation (EU) 2016/679 (GDPR).
16.1. These Terms are governed by Polish law, taking into account mandatory provisions of European Union law and consumer rights arising in particular from the Polish Act of 30 May 2014 on Consumer Rights and the Polish Act of 23 April 1964, the Civil Code. The rules for resolving disputes, including out-of-court procedures, are set out in the Website Terms and Conditions.
16.2. These Terms were drawn up in Polish. In the event of any discrepancy between the Polish version and a translation, the Polish version prevails.
The Operator may update the values below under the rules in section 12; an update does not reduce Points already earned.
Points = order amount in USD × 1,000 × the Tier rate (section 5.1). No cap on the order amount.
| Bonus | Points | Condition |
|---|---|---|
| First verified Qualifying Purchase | 350 | one-time, on the first verified proof of purchase |
This bonus is awarded independently of rewards-back and is added to Purchase Points.
| Task | Points | Limit |
|---|---|---|
| Daily login | 20 | 30 / month |
| 7-day streak bonus | 150 | 4 / month |
| Reporting a verified payout | 2,500 | 1 / month |
The total number of Points obtainable from daily login and streak bonuses is capped at 1,500 Points per calendar month. Points for reporting a verified payout are not subject to this cap.
| Bonus | Points | Condition |
|---|---|---|
| Registration | 2,000 | account verified by email |
| Complete profile | 1,500 | full profile |
| Social media follow package | 1,000 | combined for all platforms, not per platform |
| X bio link verification | 1,000 | verification |
| Partner review | 2,000 | maximum 2 reviews, one per Partner, moderated |
| Birthday | 1,000 | date on profile, 1 / year |
The total number of Points obtainable from the one-time bonuses listed in this table, excluding reviews and the birthday bonus, does not exceed 10,000 Points over the entire period of participation. Introducing a new one-time bonus does not increase this limit.
| Advancement to Tier | Points |
|---|---|
| Runner | 2,500 |
| Trader | 7,500 |
| Senior | 15,000 |
| Partner | 37,500 |
| Principal | 75,000 |
| Role | Points |
|---|---|
| Referrer | 7,500 |
| Referred person | 2,500 |
Bonuses are granted once the referred person makes their first Qualifying Purchase. A limit of 5 credited referrals per calendar quarter applies; any surplus is credited in the following quarter.