Wikilix
Contract reading

What Century Financial legally published, but does not want you to read

Every clause below is published by Century Financial itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: Century Financial Consultancy LLC

missing documentfund protectioncomplaintsdeemed acceptancehidden feejurisdictionlanguage arbitragemarketing gapno ombudsmanregulatory context

Century Financial lists nine legal documents and not one of them opens. You are told that using the site binds you to all nine. Its US$ 2,000,000 insurance headline turns out to start only above US$ 10,000. No fee, spread or commission figure is published anywhere on the site.

Back to Century Financial

Contract risk

Money at risk
7.0/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
3
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
10
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
12
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
3

How the 10 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical3
Warning5
Notice2

section 19 of 24is where the deepest clause sits, 79% of the way into the document it is in

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

2 of these 2 figures come from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical9Time to complain. Jump to the clause this comes from.Nine legal documents listed, none of them opensCritical$10000In the contract. Jump to the clause this comes from.Insurance headline hides a US$ 10,000 floor

What the documents say

10 clauses worth knowing about, worst first, each quoted from Century Financial's own files

01

Century's legal page lists nine documents and says you have agreed to be bound by them. Every link returns the same page, with none of the document text on it. You cannot read what you agreed to.

Why this matters

You accept these terms by using the site, before you can read one clause of them. What Century may charge you is not stated. Nor is which court hears a dispute.

Exhibit 1CriticalHarder than usual9

By accessing and using our services, you acknowledge that you have read, understood, and agreed to be bound by these legal documents.
Quoted in Legal Documentation
Read from the broker's site on Open the reference
Our own capture of century.ae, taken on Sep 5, 2026Nine legal documents listed, none of them opensVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must give a retail client the contract terms on a durable medium before that client is bound. Century's page states you are bound by nine documents whose text it does not show.

Century Financial is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 2One of the nine documents you are deemed to have accepted is the Schedule of Charges, so you agree to costs you cannot see.
02

Century advertises insurance of up to US$ 2,000,000 per client. Lower down the same page, the cover applies only above US$ 10,000. Below that, this policy pays you nothing.

Why this matters

A balance under $10,000 gets no cover from this policy at all. Many retail accounts sit below that line, and the headline figure does not say so.

Exhibit 3CriticalHarder than usual$10000

Enhanced insurance up to US$ 2,000,000 per client
Quoted in Client Fund Protection
Read from the broker's site on Archived copyOpen the reference
Our own capture of century.ae, taken on Sep 5, 2026The claim, on Client Fund Protection page hero headlineVisit this page on the broker's siteDownload the full size image file
Our own capture of century.ae, taken on Sep 5, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file

Where it sits: section 10 of 24 in the Client Fund Protection, 42% of the way through.

What it costsAn account holding $8,000 is under the $10,000 floor, so this cover pays nothing. An account holding $30,000 has $20,000 of it covered.

  • Worse together with Exhibit 4The floor decides how much is covered and the unpublished conditions decide whether anything is covered at all.
03

Century lists a Schedule of Charges among its legal documents. The link opens a page with no charges on it. No fee, spread or commission figure appears anywhere else on the site.

Why this matters

You open an account without knowing what Century deducts from a deposit, a trade or a withdrawal. You agree to the schedule anyway, because the page says using the site binds you to it.

Exhibit 2CriticalHarder than usual

Terms of Business Order Execution Policy Risk Disclosure StatementSchedule of Charges Conflicts of Interest Policy Complaint Handling Policy Privacy Policy Website Terms of Use Cookie Policy
Quoted in Legal Documentation
Read from the broker's site on Open the reference
Our own capture of century.ae, taken on Sep 5, 2026Schedule of Charges opens no schedule of chargesVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must disclose costs and charges to a retail client before that client trades. Century names a Schedule of Charges and does not show its contents.

Century Financial is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

04

Century says your money sits in segregated accounts at its principals' banks, under each principal's own regulator. The ring-fencing promise applies if a principal goes into liquidation. Century does not name these principals.

Why this matters

Your protection depends on firms Century does not name, under rules it does not state. The page does not say what happens to your money if Century itself fails.

Exhibit 5WarningHarder than usual

Clients' money held with our principals' regulated banks is maintained separately from their own accounts and held in segregated bank accounts as per the regulatory rules and policies of each principal.
Quoted in Why Us
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must hold retail client money in segregated accounts and tell the client which institution holds it. Century describes segregation held by its principals and names none of them.

Century Financial is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 3Segregation is promised against a principal's liquidation and the insurance against Century's insolvency, so neither one covers both events.
05

Century's insurance takes effect only when conditions in the policy's own Terms and Conditions are met. That document is not published on the site. Cover is also limited to accounts on Century Trader and Century TradeRoom.

Why this matters

You cannot check what would void this cover, because the conditions are not published. If your account is on another platform, the policy does not apply to you at all.

Exhibit 4WarningHarder than usual

Note: This Client Fund Protection policy comes into effect when specific conditions outlined in the Terms & Conditions of the policy are fullfilled.
Quoted in Client Fund Protection
Read from the broker's site on Archived copyOpen the reference
Our own capture of century.ae, taken on Sep 5, 2026Insurance conditions sit in an unpublished documentVisit this page on the broker's siteDownload the full size image file

Buried at section 19 of 24 in the Client Fund Protection, 79% of the way through.

06

Century's Arabic legal page tells readers the Order Execution Policy and Schedule of Charges apply only to Century Trader and Century TradeRoom accounts. The English page carries no such limit.

Why this matters

Reading in English, you would take the execution policy and the charges as covering your account. In Arabic, Century says they cover two platforms only.

Exhibit 10WarningRarely seen

يرجى العلم بأن وسياسة تنفيذ الطلب وجدول الرسوم تنطبق فقط على العملاء الذين يتداولون على منصة Century Trader ومنصة Century TradeRoom المقدمة من شركة Century Financial Consultancy LLC ("Century").
Quoted in Legal Documentation (Arabic)
Downloaded from the broker's site on Open the reference
Our own capture of century.ae, taken on Sep 5, 2026The claim, on English legal documentation page, opening paragraphVisit this page on the broker's siteDownload the full size image file
Our own capture of century.ae, taken on Sep 5, 2026What the contract says, clause Second paragraphVisit this page on the broker's siteDownload the full size image file

Our readingLanguage versions of a legal page usually carry the same scope. Here the Arabic version narrows two of the nine documents to two platforms, and the English version does not mention the narrowing at all.

The US$ 2,000,000 cover starts at US$ 10,000 and stops at two platforms

Century Financial advertises insurance of up to US$ 2,000,000 per client, and the same page limits it to balances above US$ 10,000. Cover reaches only Century Trader and Century TradeRoom accounts, and takes effect on conditions Century does not publish. The certificate link opens a placeholder image.

Protection claims1 clause flagged

Century invites you to view the certificate for its insurance cover. The page it opens shows a placeholder graphic, named insurance-cert-placehoder.png on Century's own site, in place of a certificate.

Why this matters

You cannot check who insures your money, for how much, or until when. Century describes the insurer only as globally renowned and never names it.

Exhibit 7WarningRarely seen

This insurance policy is underwritten by a globally renowned insurer.
Quoted in Client Fund Protection
Read from the broker's site on Archived copyOpen the reference

Our readingBrokers that advertise insurance usually publish the certificate or name the underwriter. Century offers a link to the certificate and shows a placeholder graphic instead, so the cover cannot be checked against any document.

You are bound by nine documents that do not open

Century Financial lists nine legal documents on one page and none of them returns any text. The same page states that using the service means you have read and agreed to all nine. Complaints then stay inside Century, which names no ombudsman a rejected client can approach.

Terms you cannot read1 clause flagged

Century investigates your complaint itself and names no ombudsman to go to afterwards. It promises a status update within five business days, and a letter if eight weeks pass with no resolution.

Why this matters

If Century rejects your complaint, the page gives you nowhere else to take it. Eight weeks can pass and still end in a letter rather than an answer.

Exhibit 6WarningHarder than usual5 working days

If we are unable to respond to your complaint within five business days of receiving it, we will update you on the status.
Quoted in Complaints
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must tell a retail client about an independent ombudsman that reviews a rejected complaint at no cost. Century's page names its regulator but no independent scheme a client can approach.

Century Financial is not licensed by this regulator, so this is a comparison of practice, not a finding of any breach.

No governing law appears on any page Century publishes

Century Financial states no governing law and names no court on any page that opens. Those terms would sit in the Terms of Business, which returns no text. The company is registered in Dubai and lists offices in Dubai, Abu Dhabi and Sharjah.

Where a dispute goes1 clause flagged

Nothing Century publishes says which law governs your account or which courts hear a dispute. Those terms would sit in the Terms of Business, and that document does not open.

Why this matters

If you need to sue Century, you cannot tell in advance where you would have to do it. The company is registered in Dubai and its listed offices are all in the UAE.

Exhibit 8NoticeHarder than usual

Century Financial Consultancy LLC (CFC) is licensed and regulated by the Capital Market Authority (CMA) of the UAE under license numbers 20200000028 and 301044
Quoted in Website Terms of Use
Read from the broker's site on Open the reference
  • Only applies after Exhibit 1The governing law is unknowable only because the document that would state it returns no text.

Century states a CMA licence and updated the regulator name late

Century Financial Consultancy LLC states Capital Market Authority licence numbers 20200000028 and 301044. In March 2026 its legal page still named the former Securities and Commodities Authority. The footer on that same page already said CMA. The UAE renamed the regulator with effect from 1 January 2026.

Licence and regulator1 clause flagged

Century Financial Consultancy LLC states CMA licence numbers 20200000028 and 301044. In March 2026 its legal page still named the former regulator, the SCA, while the footer on the same page said CMA.

Why this matters

The UAE renamed the SCA as the Capital Market Authority with effect from 1 January 2026. Century's own page disagreed with its own footer for months after that.

Exhibit 9NoticeStandard wording

Century Financial Consultancy LLC (CFC) is duly licensed and regulated by the Capital Market Authority (CMA) under license numbers 20200000028 and, 301044
Quoted in Regulatory License
Downloaded from the broker's site on Open the reference

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The headline promises up to US$ 2,000,000 per client and the panel below it excludes the first US$ 10,000.

Said in public, in English

Enhanced insurance up to US$ 2,000,000 per client

Client Fund Protection page hero headline

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of century.ae

In the contract

Insurance protection coverage in excess of US$ 10,000 and up to US$ 2,000,000, if there is an insolvency event.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of century.ae

02

The English page says these documents govern your relationship, and the Arabic page limits two of them to two platforms.

Said in public, in English

This section outlines the legal terms, disclosures, and policies that govern your relationship with Century Financial, regulated by the Capital Market Authority (CMA), UAE.

English legal documentation page, opening paragraph

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of century.ae

In the contract · clause Second paragraph

يرجى العلم بأن وسياسة تنفيذ الطلب وجدول الرسوم تنطبق فقط على العملاء الذين يتداولون على منصة Century Trader ومنصة Century TradeRoom المقدمة من شركة Century Financial Consultancy LLC ("Century").

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of century.ae

03

The invitation to view the insurance certificate opens a page whose only certificate image is a placeholder.

Said in public, in English

View Certificate

Client Fund Protection page, link beside the insurance claim

In the contract

Insurance certificate placeholder template

What changed quietly

First reading of Century Financial, so there is nothing to compare it against yet.

  • REWRITTENClause · 2026-03-11 to 2026-09-05

    Century renamed its regulator on the page from the SCA to the CMA, months after the UAE made that change in law.

    This section outlines the legal terms, disclosures, and policies that govern your relationship with Century Financial, regulated by the Capital Market Authority (CMA), UAE.

The documents this reading is based on

12 files, all published by Century Financial. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording Century Financial publishes.

How this reading was done

Every clause above was read out of a document Century Financial publishes itself

This reading was published on .

Documents
7 of 12downloaded from the broker's site, and 7 read in full
Pages opened
28pages walked to find those documents, footer links included
Older copies
1earlier versions downloaded
Marketing pages
7public pages set against what the contract says
Languages
AR vs ENthe language it advertises in, against the language it contracts in
Position measured
2clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

Century Financial Consultancy LLC

You contract with Century Financial Consultancy LLC, a UAE limited liability company registered with the Dubai Economic Department under number 768189. It states that it holds Capital Market Authority licence numbers 20200000028 and 301044. Its own pages say client money sits with its principals rather than with Century, and it does not name those principals.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

Century's fraud warning is more specific than most brokers manage. It names Telegram, WhatsApp and Discord. It states plainly that Century never takes cash or crypto, and never manages money for clients. The complaints page gives real timings and says the investigator will be someone not involved in the complaint. Risk warnings sit on every page, including beside the account opening buttons.

Nine legal documents are listed on Century's legal page and none of them opened for us. We checked every link, including the three that Century's own sitemap lists. Each one returned the same page with no document text on it. So we did not read the Terms of Business, the Order Execution Policy or the Risk Disclosure Statement. We did not read the Schedule of Charges, the Conflicts of Interest Policy or the Complaint Handling Policy. Every quotation in this report comes from a page we opened ourselves. We read Century's public pages only, and cannot say whether these documents open for a client who has signed in. One earlier copy of the legal page survives, from March 2026, and it listed the same nine documents with no text behind them.

How to check any of this yourself

Every quote above links to the Century Financial file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document Century Financial publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge Century Financial on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Sep 5, 2026.

If you represent Century Financial and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on Century Financial. Whether its licence is real and current is a separate check on the broker profile.

Back to the Century Financial profile