Terms and Conditions for the Auto-Invest Plan
Effective: 13 March 2026
These Terms and Conditions (“Terms”) govern the provision and use of the Auto-Invest Plan (“AIP”) services offered by Tiger Brokers (AU) Pty Limited (“TBAU”, “we”, “our”, or “us”). These Terms supplement, and must be read together with, the Client Agreement, Financial Services Guide, Risk Disclosure Statement for Securities and ETFs, Fractional Share Trading Disclosure, and any other product- or service-specific terms and conditions applicable to your account, including but not limited to the FAQs published on our website, as amended from time to time. In the event of any inconsistency between the Client Agreement and these Terms, these Terms prevail in relation to the AIP.
By enabling, maintaining or instructing TBAU in relation to an AIP, you are deemed to have read, understood and agreed to be bound by these Terms.
Establishment of an Auto-Invest Plan
By establishing an AIP, you issue a standing instruction authorising TBAU to automatically debit a specified monetary amount (the “Contribution”) from your account and apply such amount to acquire the financial product determined by you from the range of products that TBAU makes available for AIP functionality (“Eligible Products”). The frequency, dates and recurrence selected by you constitute the “Investment Schedule”. You acknowledge and agree that the AIP constitutes a continuing instruction which remains in force until amended or cancelled in accordance with these Terms.
You may establish multiple AIPs and may establish more than one AIP in relation to the same Eligible Product. Once established, each AIP authorises TBAU to initiate and place Orders on your behalf in accordance with the Investment Schedule and subject the Terms herein.
Product Eligibility
Not all financial products and markets offered by TBAU for trading is available for AIP. The range of products eligible for AIP is determined solely by TBAU and may be amended, restricted or withdrawn at any time without prior notice. Please refer to the AIP FAQ in the help centre on our website for more details and updated information.
Funding Requirements
For cash accounts, you must maintain sufficient available funds in the currency of the relevant Eligible Product to satisfy the Contribution at each occurrence of the Investment Schedule. Where a margin lending facility is made available to and activated by you, you may separately elect to permit the use of margin financing for the purpose of funding Contributions. Where you make such election, you authorise TBAU to apply margin financing to meet any shortfall, and you acknowledge that doing so may increase your outstanding loan balance, leverage, and the likelihood of margin calls or liquidation events. The Contribution can become unavailable for investment, withdrawal and other use from several hours prior to the AIP order processing. Please refer to the AIP FAQ in the help centre on our website for more details and updated information.
Processing of AIP Orders
If the scheduled Investment Date falls on a non-trading day in the relevant market, TBAU will process the AIP Order on the next trading day. TBAU will place AIP Orders during the regular trading hours of the relevant exchange. Indicative order placement time or windows are published in Auto-Invest FAQs, which are provided strictly for general guidance and shall not be construed as binding or guaranteed.
You acknowledge that the exact execution price, time, quantity (including any fractional allocation, if applicable) and liquidity available at the time of execution cannot be known or guaranteed in advance. TBAU does not warrant that any price or market data displayed on the platform will match the eventual execution price.
Amendments and Cancellations by You
You may amend or cancel an AIP through the platform settings prior to the applicable processing cut-off time. The cut-off time, as well as the ability to amend or cancel an AIP, may be changed by TBAU at any time at its discretion without prior notice. For more details and the most up-to-date information, please refer to the AIP FAQ available in the Help Centre on our website. Any amendment or cancellation submitted after the cut-off time will not affect the Order scheduled for that cycle and will only take effect for subsequent cycles.
Non-Execution
TBAU may be unable to execute, or may decline to execute, an AIP Order in whole or in part for reasons including, without limitation:
the relevant security or financial product no longer meets the requirements of Eligible Product;
you do not, or no longer, hold the necessary trading permissions to trade the Eligible Product;
insufficient cleared funds or insufficient purchasing power;
funds not denominated in the required currency;
account restrictions, holds, suspensions or compliance flags;
suspension, halt or cessation of trading in the Eligible Product;
inadequate liquidity or market depth;
exchange closure, operational disruption or technical failure;
severe weather, force majeure or emergency market conditions; or
any circumstance that renders execution impossible, impracticable or inconsistent with our regulatory obligations.
To the maximum extent permitted by Applicable Regulations, TBAU shall have no liability for any loss, opportunity cost, price movement, delay, or consequence arising out of such non-execution or delayed execution.
Notifications
TBAU may attempt to provide push or in-app notifications prior to scheduled AIP executions and following AIP executions or cancellations. Delivery of notifications is not guaranteed. The absence, delay or failure of any notification does not affect the validity or binding nature of any Order executed under these Terms.
Aggregation of Orders
Subject to any Applicable Regulations, we may, without notice to you, aggregate your orders with those of our own, or with those of persons connected with us, or with those of our other clients. Such aggregation may on some occasions operate to your disadvantage and on others to your advantage. This may cause the executed price of your Order to not match our market data since it is the average price of an aggregated order.
Fees, Commissions and Charges
All AIP transactions are subject to the standard fees, commissions and charges applicable to the relevant markets and products. You may refer to the current Pricing Schedule and FSG for more details.
Our Rights and Limitation of Liability
Notwithstanding any other provision of these Terms, TBAU may, at any time and without prior notice or reason:
a) impose, vary or remove a minimum or maximum Contribution amount;
b) reject or decline to execute any AIP Instruction;
c) modify, suspend or discontinue the AIP service (in whole or in part);
d) suspend or terminate any of your AIPs; and/or
e) impose additional eligibility, compliance or operational conditions.
You acknowledge that TBAU shall not be liable for any loss arising from the exercise of such rights except to the extent mandated by law.
TBAU may also impose, amend or enforce conditions, limitations or restrictions on AIP at any time to comply with legal, regulatory, operational, risk-management or exchange requirements. This may include the suspension or cancellation of Instructions, modification of eligibility criteria, imposition of additional verification measures, or interruption of service. TBAU shall not be liable for any loss arising from such actions to the maximum extent permitted by Applicable Regulations.
Auto-Invest with PayTo and FX Conversion Terms and Conditions
Auto-Invest with PayTo and FX Conversion Terms and Conditions (“Terms”) govern the use of bank account funding via PayTo and the associated necessary foreign exchange conversion for funding an Auto-Invest Plan (“AIP”) offered by Tiger Brokers Australia Pty Limited (“TBAU”, “we”, “us”, or “our”).
By selecting bank account funding via PayTo for your AIP, you acknowledge and agree to these Terms.
1. Scope
These Terms apply where you elect to fund your AIP using:
a nominated bank account via PayTo; and
automatic foreign exchange conversion where the funding currency differs from the investment currency.
These Terms operate in addition to the Client Agreement, AIP Terms and Conditions, Spot FX Product Disclosure Statement and any other applicable disclosure documents issued by TBAU.
2. PayTo Funding Authorisation
Where you select bank account funding via PayTo, a PayTo agreement will be established between you and your financial institution.
By approving the PayTo payment agreement and selecting this funding method, you provide standing instructions authorising TBAU to initiate recurring PayTo payment requests from your nominated bank account for the purpose of funding your AIP.
AIP investments are denominated in the relevant investment currency, such as USD or HKD. The scheduled AIP investment amount will therefore be fixed in that investment currency.
Where PayTo funding is used, TBAU will request to debit your nominated bank account in AUD based on the prevailing foreign exchange rate at or around the time of processing.
As exchange rates fluctuate, the AUD amount debited for each investment cycle may vary, even where the AIP investment amount in the investment currency remains the same.
You are responsible for ensuring that sufficient cleared AUD funds are available in your nominated bank account to meet the PayTo debit request.
3. Standing Instruction for FX Conversion
Where the currency of the debited funds differs from the investment currency, foreign exchange conversion will be required.
By selecting bank account funding via PayTo, you expressly provide standing instructions and authorise TBAU to:
(a) convert the debited AUD funds into the relevant investment currency; and
(b) execute such FX conversions for each scheduled AIP investment cycle without further instruction from you.
FX conversions will be executed at the prevailing exchange rate available to TBAU at the time of execution.
Foreign exchange transactions executed under these Terms will generally settle on a T+0 basis, unless otherwise determined by TBAU or market/operational conditions.
Standard FX fees will apply. Please refer to the FSG and pricing page on our website for more information.
4. Investment Execution
The AIP investment order will only be placed if:
the PayTo debit is successfully processed; and
the required FX conversion is successfully completed.
If the PayTo debit fails, the FX conversion cannot be executed, or the required funds are not available, the AIP investment for that cycle will not be executed.
The AIP investment will either be successfully executed in full or not executed at all. Partial execution or reduced investment amounts will not occur.
5. Risks and Acknowledgements
By selecting PayTo funding for AIP, you acknowledge and accept that:
the AUD amount debited for each AIP cycle may vary due to foreign exchange rate movements;
sufficient AUD funds must be available in your nominated bank account to cover the PayTo debit request;
exchange rate movements may affect the amount of AUD required to fund the investment; and
payment processing, FX execution or system factors may affect the timing of the investment.
6. Failed Payments and FX Execution
If a PayTo debit request fails or a foreign exchange conversion cannot be completed for any reason, the scheduled AIP investment will not proceed for that investment cycle.
To the maximum extent permitted by law, TBAU will not be responsible for any loss, opportunity cost or market impact arising from:
failed or delayed PayTo payment processing;
insufficient funds in your nominated bank account;
delays or failures in foreign exchange conversion; or
system outages, banking disruptions or other factors beyond TBAU’s reasonable control.
7. Amendment or Termination
You may cancel the PayTo payment agreement through your financial institution or terminate your AIP through the platform.
Cancellation of PayTo funding will also terminate the associated standing FX conversion instruction for future AIP investments.
TBAU may suspend or discontinue this funding method where required for operational, risk management or regulatory reasons.