Terms of Use

Educational material, not advice

Everything published here is educational material, not advice and not an offer to buy or sell gold or any other instrument. We are not a broker, a bank or a licensed adviser, and nothing on the site is tailored to your circumstances, your income or your goals.

CFDs on gold carry a high risk of loss and most retail accounts lose money. Leverage magnifies both directions of a move, and a cap such as up to 1:500 on standard forex accounts, within DFSA/SCA-compliant limits and varying by instrument, is a maximum rather than a target.

Figures are dated and must be verified

Figures on this site are dated and must be verified with the broker before you rely on them. Worked examples, such as a 0.10-lot gold position needing about $85.50 in margin at that cap, illustrate arithmetic and are not a statement of what your account will require.

Contract specifications, funding routes and platform availability can change between the date we read a document and the date you read our page. When the two disagree, the broker's current document wins, and we would rather you checked than trusted us.

How Creek Class earns money from broker links and what that means for you

Creek Class earns commission from some broker links on the site, and that commercial relationship is disclosed so you can weigh the information accordingly. When a reader follows a link to a broker and opens an account, the site may receive a payment from that broker. The payment does not change the figures published on the page, and it does not buy a favourable description of any cost. Costs are described by what they consist of and what they depend on, because the actual spread, commission and swap depend on the broker, the account type and market conditions at the time of the trade.

Commission arrangements vary by broker and by the link, and Creek Class does not publish a rate for them because the terms are commercial and change. What matters for you is that the site does not present a broker as suitable for your needs, and it does not rank brokers by how much they pay. The regulator caveat for the UAE is stated plainly: FxPro is licensed by the FCA (UK), CySEC and FSCA. That licence information is given as a fact about the entity, not as a recommendation to open an account, and you should verify it yourself before acting.

The affiliate relationship does not create any duty for Creek Class to monitor your trades or to warn you about a position. The site does not see your account, your balance or your orders, and it cannot intervene with a broker on your behalf. If a link leads you to a broker, the account terms, the platform choice among MT4, MT5, cTrader and FxPro Edge, and the funding arrangements are between you and that broker. Any question about a deposit, a withdrawal or a trade belongs with the broker's support, not with Creek Class.

Changes to these terms are published on this page with the revision date shown at the top

Changes to these terms are published on this page, and the revision date at the top of the page is updated when a change goes live. There is no separate email notice and no account to log into, so the published page is the authoritative version. The date is the signal: if it is later than the date you last read the page, read the terms again before relying on them, particularly the liability and affiliate sections.

The site may change these terms to reflect a new broker relationship, a change in the regulatory caveat it quotes, or a correction to how a cost or margin figure is described. Because gold examples depend on a reference price of approximately 4275.0 and on leverage that varies by instrument, wording may be adjusted when those inputs change. Material changes take effect when the revised page is published, not retroactively.

Continued use of the site after a revision means you accept the terms as revised. If you do not accept them, stop using the site; nothing obliges you to keep reading, and no fee is involved. Keep a copy of any version you rely on, for example by saving or printing the page, because earlier versions are not archived on the site. Questions about a change should be raised before you act on the revised text.

What Creek Class provides is general gold trading information, not personal advice

Creek Class is an information publisher for UAE readers interested in gold (XAU/USD), and it does not provide personal advice, recommendations or signals. Every page explains how the instrument works, including that 1 standard lot equals 100 oz and one pip equals 0.01, and that the reference price is around 4275.0. The material is written for a general audience and cannot account for your financial situation, your existing positions, your tax position in the UAE or your tolerance for loss. If you need a recommendation suited to your circumstances, speak to a licensed adviser.

No page on this site tells you to buy, sell or hold gold, and no page sets a target price or a time frame for a trade. Explanations of leverage, margin and costs are there so you can understand the mechanics, not so you can copy a position. The maximum leverage available in the UAE is up to 1:500 on standard forex accounts, within DFSA/SCA-compliant limits, and varies by instrument; that is a regulatory cap, not a setting to aim at. At 1:500, a 0.10-lot gold position needs about $85.50 margin, which shows how margin works rather than what you should trade.

Reading Creek Class does not make you a client of the site or of any broker, and it does not create an advisory relationship. The site does not manage money, does not place orders and does not hold client funds. Any decision to open an account with a broker such as FxPro, which serves the UAE through FxPro Global Markets MENA Ltd., is yours and is made on the broker's own platform and terms. Funding methods listed on the site, such as cards, bank transfer and e-wallets, including local UAE bank transfer, are described for information and are subject to the broker's checks.

Affiliate links and your relationship with the broker

Some links on this site are affiliate links, which means we may be paid a referral fee if you open an account through them. That payment does not change what you are charged, and it does not buy a rating or hide a weakness.

When you follow such a link, your relationship is with the broker, not with us. The account, the funds, the execution and the complaints process all sit with the broker and its regulator, so read its client agreement and risk disclosures before you deposit any money from a UAE bank.

Creek Class liability is limited to the accuracy of what it publishes, and trading losses are yours

Creek Class is responsible for writing carefully, and it is not responsible for your trading outcomes. If you lose money on gold (XAU/USD), that loss sits with you and not with this site, because the site does not execute trades, hold funds or control platform behaviour. The same applies to decisions you take after reading a worked example, such as the roughly $85.50 margin needed for a 0.10-lot position at 1:500 on standard forex accounts, within DFSA/SCA-compliant limits, varies by instrument.

The site does not warrant that every figure, date or description is current at the moment you read it, and it is not liable for losses arising from a figure that has since changed. Prices move, broker terms change, and leverage availability varies by instrument and by the entity serving you. Verify anything that matters against the broker's live platform and published documents before you act. Where the law does not allow a liability to be excluded, this section does not exclude it.

Third-party content, platform outages, payment delays and local bank transfer timing are outside the site's control, and Creek Class accepts no liability for them. If a link takes you to a broker, that firm's terms govern the relationship, including how complaints are handled and which regulator you can approach. Read those terms before funding, keep your own records of orders and statements, and treat this site as one input among several.

Reading this site does not create a client, advisory or broker relationship with Creek Class

Reading Creek Class does not make you a client, and it does not create an advisory, fiduciary or broker relationship. The site publishes general information about gold (XAU/USD), including that 1 standard lot is 100 oz and one pip is 0.01, and it does so without knowing your position, your capital or your tolerance for loss. No one at Creek Class monitors your account, reviews your trades or has authority to act for you, and no communication from the site should be read as a personal instruction.

The only regulated relationship you form is with the broker you choose, and it begins when you accept that firm's client agreement, not when you read a page here. That agreement sets the entity, the regulator, the costs and the complaint route; the caveat quoted on this site is that FxPro is licensed by the FCA (UK), CySEC and FSCA. Creek Class is not a party to that agreement and cannot vary it, enforce it or resolve a dispute under it.

Because no relationship exists, the site owes you no suitability assessment and no ongoing duty of care beyond publishing accurately. You remain responsible for confirming leverage limits, funding routes such as cards, bank transfer and e-wallets, and local UAE bank transfer availability with the broker itself. If you want a relationship with duties attached, appoint a firm authorised to advise you in the UAE; this site is not that firm.

These terms are governed by the laws of England and Wales, with UAE readers retaining local protections

These terms are governed by the laws of England and Wales, and disputes about the content of this site are subject to the courts of England and Wales. That choice of law covers how the site is published and how these terms are interpreted. It does not override protections you have as a consumer in the UAE, and it does not change the law that applies to your account with a broker, which is set by that broker's own client agreement.

The law that applies to your trading is not the law of this site. If you open an account with FxPro Global Markets MENA Ltd, the governing law, complaint route and regulator are those stated in that firm's client agreement, and the site's terms have no bearing on them. Before funding, confirm in writing which entity you are contracting with and which regulator supervises it; the caveat given to this site is that FxPro is licensed by the FCA (UK), CySEC and FSCA.

Nothing in these terms limits rights you cannot waive under applicable UAE law, including any mandatory consumer protection. If any provision is found unenforceable, the rest continues to apply, and the unenforceable part is read down to the minimum extent the law allows. Reading the site from the UAE does not create a advisory relationship, a brokerage relationship or a fiduciary duty, and it does not make Creek Class your agent for any purpose.

Creek Class earns commission from some broker links, and that does not change what the site says

Creek Class has an affiliate relationship with brokers it writes about, which means it may receive a commission if a reader opens an account through a link on this site. The payment comes from the broker, not from you, and it does not increase the spread, commission or swap you pay on a trade. In plain terms, the site is paid for introductions, and that is the commercial model that keeps the educational material free to read.

The relationship does not buy a favourable write-up. Creek Class describes what a cost consists of and what it depends on rather than praising it, and it applies the same standard to brokers it earns from and brokers it does not. Where a broker's UAE entity is named, the site states the exact regulatory position given to it: FxPro is licensed by the FCA (UK), CySEC and FSCA, and the UAE-facing entity is FxPro Global Markets MENA Ltd. Nothing in an affiliate arrangement changes that caveat.

You should assume that any outbound broker link on this site may be an affiliate link and treat it accordingly. Before funding, read the broker's own client agreement, order execution policy and fee schedule, and confirm the entity you are contracting with and the regulator behind it. If a commission arrangement would influence your choice, ignore the link and go to the broker directly; the information on this site is written to be useful either way.

Creek Class publishes gold trading information for UAE readers, not personal recommendations

Creek Class is an information publisher, not a licensed financial adviser, and nothing on this site is a personal recommendation to buy or sell gold (XAU/USD). The material explains how the instrument works, how costs are built, and how margin is calculated, so a reader in the UAE can ask better questions before acting. It does not assess your income, debts, experience or goals, and it cannot tell you whether a position suits you. If you need advice tailored to your circumstances, speak to a firm authorised to give it in the UAE.

The site is not a broker, and it does not hold client money, execute orders or manage positions. Any trading you do takes place on the platform of the broker you choose, under that broker's own client agreement and risk disclosures. Creek Class never asks for deposits, never accepts trading authority over an account and never promises a return. When the site references a broker such as FxPro, it is describing that firm's published arrangements, not acting on its behalf or guaranteeing its conduct.

Information on gold is general by design: 1 standard lot equals 100 oz, one pip is 0.01, and the reference price used in examples is approximately 4275.0. Those facts help you size a position and read a statement; they are not a signal, a forecast or a view on direction. Gold trading is high-risk and can lose more than the margin committed, so treat every figure here as a starting point for your own checks rather than an instruction to act.

The law that governs these terms and the protections UAE readers keep

These terms are governed by the laws of England and Wales, and UAE readers keep the protections that local law gives them. The choice of law is stated so that the basis of the terms is clear, and it does not remove any right you have under UAE consumer or financial regulation. If a dispute arises about the content of the site, the governing law applies to the interpretation of these terms, while any local statutory protection you hold continues to apply. The site does not ask you to waive those protections by reading it.

The regulator caveat for the UAE is that FxPro is licensed by the FCA (UK), CySEC and FSCA, and that statement is included so readers can check the entity behind the broker link. Creek Class itself is a publisher and is not a broker, an investment firm or a licensed adviser, so it does not hold client money and is not supervised as a financial institution. Any account you open is with the broker named on the link, on that broker's terms and under the licence that covers the service, and the broker's own complaints process applies to that account.

Where a page refers to funding in AED or to local UAE bank transfer, that reference describes a method the broker may support and does not make Creek Class a party to the payment. Currency conversion, transfer timing and any bank charges are set by the broker and your bank, not by the site. The governing law of England and Wales applies to these terms, and the UAE protections you hold are not displaced by it. If any part of these terms is found unenforceable, the rest continues to apply.

What Creek Class is responsible for, and what remains your own risk

Creek Class is responsible for publishing information accurately as at the date shown, and it is not responsible for trading losses, missed opportunities or decisions you take after reading the site. Trading gold on leverage is high-risk, and losses can exceed the margin you set aside for a position. The site does not guarantee that any figure remains current, that a broker's platform will be available, or that a cost described on a page will match the cost on your account. Your use of the information is your own decision and your own risk.

The site's liability is limited to the accuracy of what it publishes, and it does not accept liability for indirect or consequential loss arising from use of the pages. Figures such as the reference price of 4275.0, the pip value of 0.01 and the margin example of about $85.50 at 1:500 are illustrations of mechanics, not promises about fills, spreads or outcomes. Market conditions, liquidity and the broker's execution determine what actually happens on a trade, and none of those are controlled by Creek Class.

Nothing on the site is a guarantee of profit, a promise of a particular return or a safeguard against loss. The maximum leverage figure of up to 1:500 on standard forex accounts, within DFSA/SCA-compliant limits, is a cap that varies by instrument, and using it fully increases the speed at which a position can move against you. You are responsible for checking that a broker is licensed for your jurisdiction, for reading the broker's client agreement, and for deciding whether gold trading suits your finances.

How revisions to these terms are published and how you can see what changed

Changes to these terms are published on this page, and the revision date at the top of the page shows when the current version took effect. The site does not send individual notices for every edit, so the page itself is the record. When a change affects how the site describes its affiliate relationship, its liability or the governing law, the revised wording replaces the earlier wording on the same page. Reading the page before you rely on it is the way to confirm which version applies to you at that time.

The revision date is the single marker of the current version, and earlier versions are not kept as separate public pages. If you need to know whether a statement has changed, compare the wording on the page with the date shown at the top. The site does not backdate a revision, and it does not present a change as having been in force before the date shown. Figures such as the reference price of 4275.0 and the margin example of about $85.50 are illustrations and may be updated as the page is revised.

Continued use of the site after a revision is published means you are reading the terms as they stand on the date shown, and the site does not ask you to accept a separate agreement to view the pages. If you do not agree with a revised term, your option is to stop using the site; there is no account to close because reading does not create one. Any question about a revision can be raised through the contact route on the site, and the current version on this page governs.