Finotive says traders prove themselves in a simulated challenge and, if they pass, receive a funded simulated account. Before trading can begin, KYC and the Trader Agreement must be completed; accounts remain trading-disabled until those steps are satisfied.

Finotive says minor issues may trigger warnings or clarification requests, while serious breaches lead to immediate account closure, cancellation of payout eligibility, and possible suspension of linked accounts during investigation. Hard breaches include exceeding drawdown limits, rule-bypass attempts such as abusive copy trading or latency exploitation, fraudulent identity/payment behavior, and other market-abuse patterns.

Finotive allows a 14-day cooling-off refund only if no trades were placed, the dashboard or MT5 were not accessed beyond basic registration, and KYC is complete. Challenge and Pro fees are also automatically refunded after reaching funded status, remaining profitable on day 30, and avoiding a hard breach. Instant Funding fees remain non-refundable outside the cooling-off period.

No separate funded-account activation fee surfaced in the reviewed official Finotive materials. The published pricing focuses on challenge purchase fees, cooling-off rules, and later fee refunds after becoming funded.