How We Keep Your Money Safe

When you deposit money into a 4T account, it’s always protected. Find out how we keep your funds safe and separate from our own.

What you need to know

  • All retail client money is fully segregated from our own funds at top-tier banks
  • Your funds and assets are never merged with 4T’s
  • Authorised and regulated by the Seychelles Financial Services Authority (FSA)

How does 4T keep my money safe?

All retail client money is fully segregated from our own funds and held in separate accounts with top-tier banks in the unlikely event of 4T undergoing liquidation. But what does this mean exactly?

Well, in simple terms it means that we can’t use your capital to conduct any of our business activities – from hedging to proprietary trading – and every penny you deposit is completely ring-fenced from any creditors in case of insolvency or financial troubles for the company.

We’re also regulated and authorised in various jurisdictions worldwide, including the Seychelles Financial Services Authority (FSA).

The bottom line is that we’re in the business of keeping your money safe and secure at all times.

What happens to the money I deposit with 4T?

Every single penny deposited with us is held in trust, in segregated bank accounts. This means that we are not the legal owners of that money, but the ‘trustees’ of client funds. We have a simple approach to never mix customers’ money with that of the company’s. As a result, we operate with two different banks: one for our customers funds’ and another for the company’s monies.

Operationally, any client funds are deposited into accounts that are specifically and uniquely created for each one of our customers. These are their own accounts which nobody else can access to either deposit or withdraw funds.