{"id":1142396,"date":"2022-01-25T10:03:47","date_gmt":"2022-01-25T08:03:47","guid":{"rendered":"https:\/\/www.etoro.com\/customer-service\/vulnerability-program\/"},"modified":"2025-09-29T10:02:51","modified_gmt":"2025-09-29T07:02:51","slug":"vulnerability-program","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/en-sg\/customer-service\/vulnerability-program\/","title":{"rendered":"Vulnerable Customers"},"content":{"rendered":"\n<section class=\"wp-block-group wp-block-group-boxed has-white-background-color has-background\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Vulnerable Customers<\/h2>\n\n\n\n<dl class=\"wp-block-etoro-faq\">\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">What is a vulnerable customer?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>A vulnerable customer is someone whose decision-making and engagement with financial services might be impacted negatively as a result of their personal circumstances.\u00a0 Vulnerable customers might be more likely to experience detrimental outcomes, which in the event they materialize, are likely to be greater than for other (non-vulnerable) customers.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Which factors may contribute to customer vulnerability?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>There are many reasons why a person might feel vulnerable during their lifetime.&nbsp; Some of the characteristics that might contribute to a customer\u2019s vulnerability are as follows:<\/p>\n\n\n\n<p>Health \u2013 physical or mental disabilities or illnesses that affect the ability to carry out day-to-day tasks;<\/p>\n\n\n\n<p>Life events \u2013 major life events such as bereavement, job loss, or relationship breakdown;<\/p>\n\n\n\n<p>Resilience \u2013 low ability to withstand financial or emotional shocks; and<\/p>\n\n\n\n<p>Capability \u2013 low knowledge of financial matters or low confidence in managing money (financial capability) and low capability in other relevant areas such as literacy, or digital skills.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">How can vulnerability impact customers?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Vulnerability characteristics can potentially have a number of detrimental impacts on an eToro customer.&nbsp; Some examples are listed below:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Lack of technological ability and experience due to older age, leading to a reduced ability to operate eToro\u2019s investment platform.<\/li>\n\n\n\n<li>Lack of mental capacity leading to erroneous trading decisions, in particular in relation to higher risk products.<\/li>\n\n\n\n<li>Certain characteristics or events which may lead to reckless or emotionally-driven investment decisions, such as:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list wp-block-list-circle\">\n<li>A sudden diagnosis of serious illness to either the customer or a close family member.<\/li>\n\n\n\n<li>Financial hardship.<\/li>\n\n\n\n<li>Addiction-related health conditions, such as gambling addiction or compulsive behaviors.<\/li>\n\n\n\n<li>Mental health disorders include depression, heightened levels of anxiety, and suicidal thoughts.<\/li>\n<\/ul>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">How does eToro support vulnerable customers?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>If you believe you might be impacted by any characteristics of vulnerability, it is important that you notify us as soon as possible.\u00a0 Vulnerability is most often not easily visible and we rely on our customers being open and making us aware of such situations.\u00a0 Should you wish to notify us about your situation, or if you believe that you are a vulnerable customer, please let us know by opening a ticket via the<a href=\"https:\/\/www.etoro.com\/en-sg\/customer-service\/\">\u00a0Customer Service Center<\/a>. Once you have opened a Customer Service request, please wait until the request is addressed and refrain from opening multiple tickets for the same issue. Opening multiple tickets for the same request delays our team\u2019s response times.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Steps we may take in response to customer vulnerability<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>eToro has well-defined policies and procedures for addressing customer vulnerability.&nbsp; No two vulnerability cases are the same and eToro takes a tailored approach based on the individual characteristics of each vulnerability case.&nbsp; Generally, eToro operates in line with the following principles:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>eToro works on the general principle that it will take appropriate steps to consider the circumstances of any individual who is particularly vulnerable or susceptible to the detriment and therefore needs adjustments to the way in which the Firm communicates and supports them.<\/li>\n\n\n\n<li>eToro recognizes that vulnerability is a state, not a trait, that there is a sliding scale of vulnerability, and that people are different, meaning that some customers will become vulnerable in circumstances where others may not.<\/li>\n\n\n\n<li>eToro believes that the welfare of any vulnerable person is paramount; those who are vulnerable without exception have the right to protection from abuse regardless of gender, ethnicity, disability, sexuality or religious beliefs.<\/li>\n\n\n\n<li>eToro works on the basis that every individual is different and is subject to different circumstances. This means that as far as possible, the Firm will treat individuals in a way that is appropriate to their needs, where possible tailoring its approach.<\/li>\n<\/ol>\n\n\n\n<p>When responding to vulnerability, eToro will consider the various aspects of a customer\u2019s situation and may take steps to monitor and support users, ultimately to assess what level of detriment their vulnerability poses to their future eToro experience.<\/p>\n\n\n\n<p>Ultimately, if we cannot ensure fair treatment of customers that are considered vulnerable, we may not enter into a relationship with you. In addition, where a customer\u2019s vulnerability is not immediately apparent\/visible, information that is subsequently disclosed by a customer may lead to the exiting of a relationship. It is important to emphasize that some vulnerabilities are more visible to us than others (age, for example) and we are not obligated to proactively seek out and consider vulnerabilities that are less visible.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Where can I seek help from other sources?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Vulnerable customers may seek external support from the following organizations:<\/p>\n\n\n\n<ul class=\"wp-block-list wp-block-list-circle\">\n<li>Vulnerable customers that are suicidal or in a state of depression or heightened anxiety should contact the<a href=\"https:\/\/www.samaritans.org\/\" rel=\"noreferrer noopener\" target=\"_blank\">&nbsp;Samaritans<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.moneyhelper.org.uk\/en?source=mas\" rel=\"noreferrer noopener\" target=\"_blank\">MoneyHelper<\/a>&nbsp;(formerly known as the Money Advice Service);<\/li>\n\n\n\n<li><a href=\"https:\/\/www.citizensadvice.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">Citizens Advice Service<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mentalhealth.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">Mental Health Foundation<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mind.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">MIND<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nationaldebtline.org\/\" rel=\"noreferrer noopener\" target=\"_blank\">National Debt Helpline<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.stepchange.org\/\" rel=\"noreferrer noopener\" target=\"_blank\">Step Change<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.alzheimers.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">Alzheimer\u2019s Society<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rnib.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">The Royal National Institute of Blind People (RNIB)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/rnid.org.uk\/\" rel=\"noreferrer noopener\" target=\"_blank\">Action on Hearing Loss (RNID)<\/a><\/li>\n<\/ul>\n<\/dd><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Vulnerable Customers<\/p>\n","protected":false},"author":75,"featured_media":0,"parent":1142336,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-1142396","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<title>Customer vulnerability FAQ | eToro<\/title>\n<meta name=\"description\" content=\"Learn about customer vulnerability, eToro\u2019s policies for supporting vulnerable customers, and other external resources for finding help\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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