1. TIC is not a financial adviser

TIC is a publisher of independent broker reviews and educational content. TIC is not a licensed financial adviser, not a broker, not an investment manager, and not a regulator. Nothing on tic.co.tz is personal financial advice, investment advice, tax advice, or legal advice.

We publish general information. We do not know your income, your existing investments, your tax position, or your financial goals. Before making any trading or investment decision, speak to a licensed financial adviser in your country.

2. Our content is educational

Every article on TIC is intended to educate readers about online trading and help them choose a broker that matches their situation. We explain what CFDs are, how leverage works, what a regulator does, and how to spot scams. We do not tell any individual reader what to buy, when to buy, or how much to risk.

3. No guarantees

Past performance is not a guarantee of future results. A broker that performed well in our testing last quarter may perform differently next quarter. A trading strategy that worked in one market may fail in another. No review, no rating, and no guide on TIC is a guarantee that you will make money, avoid losses, or have a smooth experience with any broker.

4. Trading risk

Online trading carries substantial risk. The main risks you should understand before opening any trading account are:

• Capital loss. You can lose all of your deposit. With leveraged products like CFDs and margin forex, you can lose more than your deposit.
• Leverage amplifies losses. Leverage multiplies both gains and losses. A small adverse price move can wipe out a leveraged account.
• Volatility. Markets can move sharply against you during news events, overnight, or during low-liquidity periods.
• Currency risk. If your account is in USD but you live in TZS, KES, or ZAR, currency fluctuations add another layer of risk to your returns.
• Counterparty risk. If your broker becomes insolvent, you may lose some or all of your deposit — even with a regulated broker. Client-money protection varies by jurisdiction.
• Technology risk. Platform outages, internet disconnections, and mobile-network failures can prevent you from closing losing positions.

5. Broker reviews & ratings

Every broker review on TIC is based on testing that was current at the time of publication or the most recent update (shown at the top of the review). Brokers change their conditions — spreads widen or narrow, minimum deposits change, entities add or lose licences, payment methods open or close — and we cannot promise the information in a review is still accurate the day you read it.

Before opening any account, verify the current conditions on the broker’s own website and confirm that the broker accepts clients from your country. Do not treat a TIC rating as a substitute for your own checks.

6. Scam-pattern content

TIC publishes information about known scam patterns — signal groups, fake account managers, cloned websites, guaranteed-return offers — to help readers recognise them. Our scam coverage is based on public reports, reader submissions, and regulator warnings. Naming a pattern is not a finding about any specific individual or company unless we say so explicitly and name them directly. If you believe a specific piece of scam-pattern content refers to you wrongly, email legal@tic.co.tz.

7. External links

TIC links to external sites — brokers, regulators, news outlets, data providers. We do not control these sites and we are not responsible for their content, their privacy practices, or their availability. A link on TIC is not an endorsement of every page on the linked site.

8. Accuracy of information

We work hard to keep TIC accurate. Spreads, minimums, regulatory statuses, and payment methods are verified at the time of writing and updated on our review schedule. Even so, errors happen. If you find one, email corrections@tic.co.tz and we will fix it. We do not accept liability for decisions made based on out-of-date information on the site.

9. Geography & legality

TIC writes for African retail investors. Online trading is legal for adults in most African markets, but the legal position varies by country. It is your responsibility to check whether the products a broker offers are legal in your country before you open an account. TIC does not publish content targeted at jurisdictions where retail trading in the relevant products is prohibited.

10. Affiliate relationships

TIC earns affiliate commissions when readers open live accounts with brokers we have reviewed positively. Affiliate income does not influence scores, rankings, or recommendations — see our editorial independence policy — but you should factor it in as context. Full commercial details are in our affiliate disclosure.

11. Limitation of liability

To the maximum extent permitted by applicable law, TIC, its editorial team, its contributors, and its service providers are not liable for any loss or damage (direct, indirect, incidental, consequential, or otherwise) arising from your use of tic.co.tz, your reliance on any content on the site, or your decision to open an account with any broker — whether that broker was covered on TIC or not. Your use of the site is at your own risk.

Nothing in this disclaimer is intended to exclude liability that cannot be excluded under applicable law, including liability for fraud, personal injury, or other matters that the law protects.

12. Changes

We may update this disclaimer when our service changes, when the law changes, or when we need to clarify something. The “Last updated” date at the top shows the current version.