This is an archived reading from Aug 31, 2026. It is not the current one, and Epic Pips may have changed these documents since.Read the current report

Wikilix
Contract reading

What Epic Pips legally published, but does not want you to read

Every clause below was published by Epic Pips itself, on its own website, on the day we read it. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. This is what they said on .

Contracting entity: STB Provider LTD

hidden feesole discretionwithdrawalsmarketing gapdeemed acceptancedormancyprofit voidingregulatory contextaccount closurebonus lock

Epicpips.com no longer runs a site. Every address on it forwards to stbbrokers.com, and the company you would contract with is STB Provider LTD, registered in Saint Lucia. Its 49 page client agreement lets STB switch off negative balance protection if it decides you abused the rules, and it counts a withdrawal that lowers your margin as abuse. The Persian translation of that same contract quietly drops the clause that charges a dormant account $5 a month, or its entire remaining balance.

Back to Epic Pips

Contract risk

Money at risk
8.2/10

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.
4
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
15
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
27
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
9

How the 15 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.

Critical4
Warning9
Notice2

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

Critical2In the contract. Jump to the clause this comes from.Persian contract drops the dormant account feeCritical$5Fee on an unused account. Jump to the clause this comes from.Dormant accounts pay $5 a month or everything left3 working daysWithdrawal limit. Jump to the clause this comes from.Withdrawal clock starts when STB accepts, not when you ask5 working daysTime to complain. Jump to the clause this comes from.Five business days to challenge a trade confirmation

What the documents say

15 clauses worth knowing about, worst first, each quoted from Epic Pips's own files

01

STB promises your account cannot go negative, then lists what cancels that promise. One item on the list is taking money out: a withdrawal that lowers your margin counts as an attempt to abuse the rules, and clause 15.12D.3 says it counts whether you meant it or not.

In plain words

Negative balance protection is a limit that stops you owing more than you put in. Without it, one fast market move can leave you owing the broker money on top of your deposit.

Why this matters

Once STB decides you abused the rules, clause 15.12D.2 lets it block your access, freeze your balance and set a fine on you. The contract never says how large a fine can be.

Exhibit 1CriticalRarely seen

if markets move rapidly against your trades, your account will not be negative.
Clause 15.12D.1 in Client Agreement, Terms and Conditions November 2024, p.45
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), ESMA (EU)

Firms licensed by the FCA and under ESMA rules must give every retail client negative balance protection that cannot be traded away, and the loss stops at the money in the account. This contract offers the same protection and then reserves the right to stop offering it.

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

Our readingBrokers routinely carve scalping and arbitrage out of negative balance protection. Naming an ordinary withdrawal as abuse, and covering the customer who did it unintentionally, turns the protection into something STB can withdraw from almost anyone.

  • Worse together with Exhibit 6One clause decides you abused the rules, the other lets STB void your positions and seize the profit that followed.
02

The Persian contract on STB's own Persian legal page is missing two clauses that the English one contains. Both are the ones that take money: the $5 monthly dormancy fee and the rule that sweeps a balance under $5. The Persian text runs from clause 16.12.1 straight to 16.13.1.

In plain words

Dormancy means an account left unused.

Why this matters

If you read the Persian contract, you learn your account goes dormant after 90 days and nothing more. The English version is the one that binds you, and it is the version with the fee in it.

Exhibit 2CriticalRarely seen2

Dormant Accounts will be charged with a monthly dormant fee of USD 5 (five United States Dollars) or the full amount of the free balance in the Account, if the free balance is less than USD 5 (five United States Dollars).
Clause 16.12.2 in Client Agreement, Terms and Conditions November 2024, p.48
Downloaded from the broker's site on Open the reference

Our readingTranslated contracts normally lag behind or read awkwardly. Here the two clauses that remove money are the two that are absent, while the rest of the section survives intact.

  • Same clause as Exhibit 3The fee the Persian version leaves out is the same clause that empties a small account in English.
03

Stop trading for 90 days and STB treats every account you hold as dormant. Clause 16.12.2 then charges $5 a month, or the entire free balance if less than $5 is left. The account is archived once the fee is applied.

Why this matters

A small balance you meant to come back to does not sit still. It pays $5 a month until it is under $5, and then the last of it goes in one charge.

Exhibit 3CriticalHarder than usual$5

In the event that there is no activity (trading/withdrawals/deposits/internal transfer) in all of your Accounts for a set period of at least ninety (90) calendar days, we will regard your Accounts to be dormant.
Clause 16.12.1 in Client Agreement, Terms and Conditions November 2024, p.48
Downloaded from the broker's site on Open the reference

What it costsAn account holding $4 that goes 90 days without activity is charged $4, not $5. The balance reaches zero and the account is archived.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

The FCA and CySEC require a firm to disclose costs and charges to a retail client before they trade. STB puts this fee on page 48 of a 49 page agreement, and clause 5.1 sends you to the client cabin for the rest of the fee list, which you can only see after you register.

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

Our readingMonthly dormancy fees are common. Taking the whole remaining balance when it falls below the fee, rather than charging what is there and stopping, is the part written in STB's favour.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 90STB treats all of your accounts as dormant if none of them saw a trade, deposit, withdrawal or transfer.16.12.1
Every month afterSTB charges $5 a month for holding the dormant account.16.12.2
Free balance under $5STB takes the whole remaining balance instead of $5. Nothing is charged if the balance is already zero.16.12.2
Once the fee is appliedSTB archives the account automatically.16.12.2
04

The execution page says your orders go straight to the market with no interference. The contract says something else: STB is the counterparty to every trade you make, it is the only place those trades can be executed, and its prices are a markup or markdown on interbank rates.

In plain words

On a principal basis, as your counterparty, means the broker takes the other side of your trade itself. Your loss is then the firm’s gain, so it has an interest in how your trade ends.

Liquidity providers are outside banks and brokers.

Why this matters

STB is on the other side of your trade, so your loss is its gain. Clause 13.3.3 also tells you that comparing its prices with another firm's is not a valid test.

Exhibit 4WarningStandard wording

We decide the markets we offer and act as principal and counterparty to each trade, providing two-way price quotes. Every market offered by STB PROVIDER LTD is quoted as a derivative of the underlying market, and we are the sole execution venue available through our services.
Clause 13.2.1 in Client Agreement, Terms and Conditions November 2024, p.36
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must disclose when they deal on their own account against a client and manage that conflict. STB does disclose it, in clauses 13.2.1 and 14.4.2, while the page selling the account says the opposite.

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

05

Clause 5.2.6 says you have to trade with part of what you deposit, and if you do not, STB charges extra to let you withdraw. It never says how much of your deposit counts as enough, or how large the extra charge is.

Why this matters

You cannot work out this cost before you deposit, because both numbers are missing. Clause 5.2.5 also lets STB add deposit fees and limits at any time.

Exhibit 5WarningHarder than usual

Clients must use a portion of their deposited funds for trading, otherwise additional fees will be charged for withdrawals.
Clause 5.2.6 in Client Agreement, Terms and Conditions November 2024, p.15
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

The FCA and CySEC require costs and charges to be disclosed to a retail client before they trade. This charge has no amount attached to it anywhere in the agreement, and the deposit page states there are no hidden charges.

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

  • Worse together with Exhibit 7An undefined fee sits on top of a withdrawal clock that only starts once STB accepts the request.

STB decides what abuse means, and abuse costs you the balance

Clause 15.12D.3 of the STB Provider client agreement lists a withdrawal that lowers your margin as an attempt to abuse the rules, whether or not you meant it. Clause 15.12D.2 then lets STB block your account, freeze the balance and set a fine of unstated size. Separately, STB can void positions from inception and seize what it calls improperly earned profits, without notice.

Money already earned1 clause flagged

If STB decides your trading was improper or abusive, it can cancel your positions as though they never opened, close every account you hold and keep what it calls improperly earned profits. Clause 3.15.1 lets it do all of this without telling you first.

Why this matters

Market abuse is defined in the contract, but improper and abusive are not. STB decides, adjusts the equity in your account, and there is no appeal written anywhere in the agreement.

Exhibit 6CriticalHarder than usual

If you conduct activities that are reasonably deemed improper or abusive, we reserve the right to void or cancel part or all of your Positions, close all of your trading accounts, terminate these Terms, seize any improperly earned profits, or take any other action we consider appropriate.
Clause Market Abuse, Important Summary in Client Agreement, Terms and Conditions November 2024, p.3
Downloaded from the broker's site on Open the reference

The Persian contract is missing the clause that charges you

Two clauses in the STB Provider client agreement, 16.12.2 and 16.12.3, do not appear in the Persian version published on stbbrokers.com/fa/legal/. They are the clauses that charge a dormant account $5 a month and sweep any balance below $5. The Persian file ends by telling the reader that the English version governs if the two ever differ.

Language arbitrage1 clause flagged

The home page advertises free withdrawal and no capital lock-in on PAMM. The PAMM agreement defines a penalty fee for taking your money out before the manager's trading period ends, and clause 11.2 applies it.

Why this matters

The trading period is set by the manager, not by you, and the penalty is set in their offer. Clause 2.5 also lets STB restrict PAMM withdrawals for inactivity.

Exhibit 13WarningStandard wording

Early withdrawals within the Trading Period may incur a Penalty Fee.
Clause 11.2 in PAMM Account Agreement, p.4
Downloaded from the broker's site on Open the reference

Two charges with no number attached to either

Clause 5.2.6 charges extra to withdraw if you did not trade enough of your deposit, without saying how much is enough or how much the charge is. Clause 5.2.5 lets STB Provider add deposit fees and limits at any time. On the swap free account the published table runs to $82 a night on gold, and clause 6.1 says those rates can change.

Cost disclosure1 clause flagged

The swap free account replaces overnight interest with what STB calls an administrative fee. It starts after a grace period of 6 nights on gold and 1 night on crypto. The published table charges $82 a night on XAUUSD and $551 on the Spanish index.

Why this matters

Holding one lot of gold for a fortnight on a swap free account costs you more than $650 in fees. Clause 6.1 also says the rates are not fixed and can change.

Exhibit 12WarningStandard wording$82

Administrative Fee rates are variable and may differ by instrument, direction (long/short), liquidity conditions, and operational costs. Administrative Fee rates are not fixed and may change from time to time.
Clause 6.1 in Swap-Free Account Terms, Islamic Account Terms and Conditions 2026, p.3
Downloaded from the broker's site on Open the reference

What it costsOne lot of XAUUSD held for 14 nights passes the 6 night grace period and is charged for 8 nights at $82. That is $656.

The withdrawal clock starts when STB accepts, not when you ask

Clause 5.2.4 gives STB Provider one to three business days to pay a withdrawal, counted from the day it accepts the request. Nothing caps how long acceptance takes, and the money leaves your balance the moment you ask. The deposit page promises 1 to 24 working hours.

Getting paid1 clause flagged

The deposit page promises withdrawals in 1 to 24 working hours. Clause 5.2.4 gives STB 1 to 3 business days, counted from the day it accepts your request rather than the day you make it. Nothing in the contract limits how long accepting can take.

Why this matters

Your money leaves your balance immediately, because the same clause deducts it as soon as you ask. The gap between that moment and the payment has no deadline on it.

Exhibit 7WarningHarder than usual3 working days

If you give an instruction to withdraw funds from your Account, we will reduce the requested funds immediately from your Account balance and shall use our best efforts to process the specified withdrawal request within one (1 to 3) Business Day following the day on which the withdrawal request has been accepted
Clause 5.2.4 in Client Agreement, Terms and Conditions November 2024, p.15
Downloaded from the broker's site on Open the reference
Our own capture of stbbrokers.com, taken on Aug 31, 2026The claim, on Deposit and Withdrawal page, step 3 of Fund Your AccountVisit this page on the broker's siteDownload the full size image file

New terms bind you the moment STB publishes them

Clause 11.3.1 makes an amended STB Provider agreement effective immediately on publication, with notice left optional, while page 2 of the same document promises changes by email. Clause 11.7.2 counts you as accepting an amended policy once it is posted. Clause 16.8.5 lets STB block every account you hold, with no warning and no explanation, over a trading bot.

Changing the deal2 clauses flagged

Clause 11.3.1 lets STB rewrite the agreement by putting a new version on its website, effective immediately. Telling you is optional: the clause says STB may notify you, and that checking is your job. Page 2 of the same document promises changes will be sent by email.

Why this matters

You can be bound by a term you never saw. Clause 11.7.2 goes further and counts you as having accepted an amended policy the moment it is posted.

Exhibit 8WarningHarder than usual

We reserve the right to amend these Terms at our discretion by publishing the updated Terms on our Website. Amendments will be effective immediately upon publication. We may notify you in writing of such amendments; however, you are responsible for reviewing the updated Terms.
Clause 11.3.1 in Client Agreement, Terms and Conditions November 2024, p.28
Downloaded from the broker's site on Open the reference

STB sells MetaTrader 5 on its algorithmic trading, then clause 16.8.5 says some account types are not allowed to use a trading bot at all. It does not say which ones. If STB sees activity it finds suspicious, it can block all of your accounts with no warning and no explanation.

Why this matters

You cannot tell from the contract whether your account is allowed to run a bot. The penalty for guessing wrong reaches every account in your name at once.

Exhibit 9WarningHarder than usual

The use of a trading bot is possible only in accordance with the broker's rules, and for some trading accounts the trader does not have the right to use a trading bot. Therefore, in case of suspicious activity or violation of the rules, the company has the right to block all client accounts and refuse to provide services to them without any warning or explanation.
Clause 16.8.5 in Client Agreement, Terms and Conditions November 2024, p.47
Downloaded from the broker's site on Open the reference

Five business days, then the confirmation is final

Clause 3.14.1 makes each daily confirmation binding unless you object in writing within five business days of receipt. Clause 9.1.1 excludes STB Provider's liability even for gross negligence, and clause 11.18.1 makes its own records the evidence. The separate complaints procedure is genuinely detailed, which makes the five day cut off the harder edge to see.

Challenging a trade1 clause flagged

Clause 3.14.1 makes every daily confirmation binding unless you object in writing within five business days of getting it. Miss that window and the trade stands, whatever went wrong with it.

In plain words

A manifest error means an obvious mistake by the broker.

Why this matters

You have five business days from receipt, not from noticing. Clause 9.1.1 then rules out STB's liability even for gross negligence, except where fraud by STB is proved.

Exhibit 10WarningHarder than usual5 working days

Absent manifest error, confirmations are binding unless you object in writing within five Business Days of receipt or we notify you of an error within the same period.
Clause 3.14.1 in Client Agreement, Terms and Conditions November 2024, p.11
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must handle a complaint on its merits and give retail clients access to an independent ombudsman. STB's complaints procedure is detailed and sets its own deadlines, but the agreement still closes the door on a disputed trade after five business days.

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

  • Worse together with Exhibit 11A short deadline to object matters more when the forum after it is arbitration in Saint Lucia.
  • Limited by Exhibit 14The published complaints procedure sets real response deadlines and an escalation route, which the agreement alone does not.

Epicpips.com now forwards to a Saint Lucia company called STB Provider LTD

Every address on epicpips.com redirects to stbbrokers.com, and the counterparty in every document is STB Provider LTD, incorporated in Saint Lucia on 26 September 2023. The number 2023-00478 is a company registration number on STB's legal page and a licence number in its footer. No compensation scheme is named in any of the documents.

Who you contract with2 clauses flagged

There is no Epic Pips website left. Every address on epicpips.com, including the terms and legal pages, answers with a redirect to stbbrokers.com, and the company behind it is STB Provider LTD of Saint Lucia. No document anywhere in the set mentions Epic Pips.

Why this matters

If you arrived through an Epic Pips link or advert, the contract you would sign belongs to a different brand. Check the name on the agreement before you deposit.

Exhibit 15WarningRarely seen

STB Provider LTD does not provide services to residents of the USA, Turkey, UAE, or Saint Lucia.
Quoted in STB Provider home page, served at epicpips.com/legal/
Read from the broker's site on Open the reference

Our readingA brand redirecting to its own new domain is ordinary. What is unusual here is that the destination trades under a different company name, and the old name appears in none of the legal documents.

Every page footer calls 2023-00478 a licence number. STB's own legal page calls the same number a company number, issued under the Saint Lucia International Business Companies Act when the firm was incorporated on 26 September 2023.

Why this matters

Incorporating a company is not the same as being licensed to hold your money. The contract names the Saint Lucia Securities Commission as its regulator, and no compensation scheme is named anywhere in the document set.

Exhibit 14NoticeStandard wording

Saint Lucia · International Business Companies Act, Cap 12.14 · STB Provider Ltd, Company No. 2023-00478, incorporated 26 September 2023.
Quoted in Legal Documents page
Read from the broker's site on Open the reference
Our own capture of stbbrokers.com, taken on Aug 31, 2026The claim, on Legal Documents page, Registration and Licensing sectionVisit this page on the broker's siteDownload the full size image file
Our own capture of stbbrokers.com, taken on Aug 31, 2026What the contract says, clause Footer, Risk Disclosure and Legal InformationVisit this page on the broker's siteDownload the full size image file

One arbitrator, seated in Saint Lucia

Saint Lucia law governs the STB Provider agreement, and clause 11.22.1 sends every dispute to arbitration seated in Saint Lucia before a single arbitrator. Clause 11.11.2 lets STB assign its rights without your consent, while you need written permission to assign yours.

Where you would sue1 clause flagged

Saint Lucia law governs the agreement and every dispute goes to arbitration seated there, before a single arbitrator, in English. STB can also transfer its side of the agreement to someone else without asking you, while you need its written consent to transfer yours.

Why this matters

Arbitrating in the Caribbean costs more than most retail balances are worth, and the Persian and Bulgarian clients this site is built for are a long way from that seat.

Exhibit 11NoticeStandard wording

You and STB PROVIDER LTD agree that any dispute arising from or related to these Terms shall be referred to and resolved by arbitration in accordance with Saint Lucia's Law of Arbitration No. 31 of 2001 (as amended), which is deemed incorporated into this clause.
Clause 11.22.1 in Client Agreement, Terms and Conditions November 2024, p.31
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

Protection described as active by default is one STB can stop offering whenever it decides the rules were abused.

Said in public, in English

Client funds held in segregated bank accounts. Negative Balance Protection active by default. Transparent legal standing.

Home page, Why STB section, point 02

In the contract · clause 15.12D.2

the company has the right to stop offering this plan in the event of abuse and has the right to immediately block the customer's access to the market at its own discretion, blocking the account balance, setting and receiving fines or compensation, exclusion from brokerage services and settlement.

02

The same section that promises your balance cannot go negative lets STB take a negative balance out of another person's account.

Said in public, in English

Client funds held in segregated bank accounts. Negative Balance Protection active by default. Transparent legal standing.

Home page, Why STB section, point 02

In the contract · clause 15.12D.3

Executing hedges across multiple trading accounts, either in the client's name or in other clients' accounts. In this case we reserve the right to deduct the client's negative balance from other persons associated with it.

03

The Persian contract offered on that page has no clause 16.12.2 and no clause 16.12.3, so the fee never reaches the Persian reader.

Said in public, in Persian

تمام مستندات حقوقی برای شفافیت کامل اینجا منتشر شده‌اند.

Word for word in English: All legal documents are published here for full transparency.

Persian legal documents page, opening paragraph

In the contract · clause 16.12.2

Dormant Accounts will be charged with a monthly dormant fee of USD 5 (five United States Dollars) or the full amount of the free balance in the Account, if the free balance is less than USD 5 (five United States Dollars).

04

A withdrawal fee with no stated amount and no stated trigger appears in the contract and on no page that discusses fees.

Said in public, in English

Every STB deposit and withdrawal method in one place — with fees and processing times stated up front. No hidden charges.

Deposit and Withdrawal page, opening paragraph

In the contract · clause 5.2.6

Clients must use a portion of their deposited funds for trading, otherwise additional fees will be charged for withdrawals.

05

The Persian page promises no hidden fee while the English contract keeps the right to add deposit fees at any time.

Said in public, in Persian

همه روش‌های واریز و برداشت STB در یک‌جا — با کارمزد و زمان پردازش کاملاً مشخص. بدون کارمزد پنهان.

Word for word in English: All STB deposit and withdrawal methods in one place, with the fee and processing time fully stated. No hidden fee.

Persian deposit and withdrawal page, opening paragraph

In the contract · clause 5.2.5

We reserve the right to impose deposit/withdraw limits and deposit fees in our system(s), at any time.

06

Orders described as going directly to the market are executed by STB itself, which the contract names as the only venue.

Said in public, in English

STB uses a No Dealing Desk (NDD) STP/ECN model — your orders go directly to the market with zero interference, zero manipulation.

Execution and Spreads page, opening statement

In the contract · clause 13.2.1

Every market offered by STB PROVIDER LTD is quoted as a derivative of the underlying market, and we are the sole execution venue available through our services.

07

The page promises 24 working hours while the contract allows three business days, counted from acceptance rather than from your request.

Said in public, in English

Confirm the transaction. Deposits are instant; withdrawals process within 1–24 working hours.

Deposit and Withdrawal page, step 3 of Fund Your Account

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

In the contract · clause 5.2.4

shall use our best efforts to process the specified withdrawal request within one (1 to 3) Business Day following the day on which the withdrawal request has been accepted

08

PAMM money advertised as free to withdraw with no lock-in carries a penalty fee until the manager's trading period ends.

Said in public, in English

Free Withdrawal

Home page, PAMM section feature card, above the line No capital lock-in

In the contract · clause 11.2

Early withdrawals within the Trading Period may incur a Penalty Fee.

09

A US registration described as active across all states sits on the same page as a notice that STB serves no US residents.

Said in public, in English

U.S. Department of the Treasury · Financial Crimes Enforcement Network · MSB Registration No. 31000277275996 · Activities: Dealer in foreign exchange, Money transmitter, Seller of money orders — active across all U.S. states.

Legal Documents page, Registration and Licensing section

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

In the contract · clause Footer, Risk Disclosure and Legal Information

STB Provider LTD does not provide services to residents of the USA, Turkey, UAE, or Saint Lucia.

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

The documents this reading is based on

27 files, all published by Epic Pips. 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 Epic Pips publishes.

How this reading was done

Every clause above was read out of a document Epic Pips publishes itself

This reading was published on .

Documents
8 of 27downloaded from the broker's site, and 8 read in full
Pages opened
23pages walked to find those documents, footer links included
Marketing pages
5public pages set against what the contract says
Languages
EN vs FAthe language it advertises in, against the language it contracts in

Who the contract is with

STB Provider LTD

You would contract with STB Provider LTD, not with anything called Epic Pips. The client agreement names it as a private limited company incorporated in Saint Lucia at Ground Floor, The Sotheby Building, Rodney Bay, Gros Islet. The legal page calls 2023-00478 a company number under the International Business Companies Act, incorporated 26 September 2023, while the footer of every page calls the same number a licence number. The only other credential offered is a US FinCEN money services business registration, which the site lists under the heading Registration and Licensing.

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

The complaints procedure is better than most offshore brokers publish. STB commits to acknowledging a complaint in 2 business days and answering in full within 20. It names an escalation route to the Head of Compliance, promises no retaliation, and states that complaint handlers are not paid in a way that rewards deciding for the company. Client money segregation is spelled out in clauses 6.1.1 and 15.11D.1, and clause 15.11D.4 says STB does not use client money as working capital. The swap free terms publish a per symbol fee table with real numbers in it, which most brokers keep on the platform only. Every document carries a version label, and a full Persian set exists.

The three files in this case were all the same page. Epicpips.com forwards every address to the stbbrokers.com home page, so the shelf we were handed held that one page three times over, and no contract at all. We found the real document shelf at stbbrokers.com/legal/ and read the English client agreement from beginning to end. We also read the complaints procedure and the swap free terms in full, and parts of the PAMM agreement, the risk disclosure and the AML policy. We did not read the order execution policy, the privacy policy, the introducing broker agreement, the incorporation certificate or the FinCEN registration. We compared the Persian contract against the English one clause by clause, but every quotation here comes from the English original, because the Persian file's wording cannot be reproduced letter for letter from the copy we read. The fee list that clause 5.1 points to sits inside the client cabin, behind registration, so we could not see it. No earlier copies of any of these documents exist to compare against.

How to check any of this yourself

Every quote above links to the Epic Pips 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 Epic Pips 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 Epic Pips 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 Aug 31, 2026.

If you represent Epic Pips 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 Epic Pips. Whether its licence is real and current is a separate check on the broker profile.

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