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Contract reading

What FIBOGROUP legally published, but does not want you to read

Every clause below is published by FIBOGROUP 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: FIBO Group, Ltd

sole discretionhidden feewithdrawalsdeemed acceptanceforum waiverbonus lockcountry restrictionkyc freezeprofit voidingunilateral amendment

FIBO Group, Ltd contracts out of the British Virgin Islands, and its hardest terms sit in files most clients never open. It can charge up to $200 a day when identity papers are late, and $5 a month on a quiet account until the balance is gone. You get two working days to call a fee wrong before the contract treats it as agreed. Paying in is free. Taking money back out by card costs 6% plus $2.

Back to FIBOGROUP

Contract risk

Money at risk
8.0/10

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.
7
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
19
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
19
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
2

How the 19 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.

Critical7
Warning12
Notice0

section 31 of 40is where the deepest clause sits, 78% 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.

3 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.

Critical$200Document deadline. Jump to the clause this comes from.Up to $200 a day for late identity documentsCritical$5Fee on an unused account. Jump to the clause this comes from.A quiet account pays $5 a month until nothing is leftCritical2 working daysTime to complain. Jump to the clause this comes from.Two working days to call a fee wrong6%Fee you were not shown. Jump to the clause this comes from.Free to pay in, 6% plus $2 to take out by card

What the documents say

19 clauses worth knowing about, worst first, each quoted from FIBOGROUP's own files

01

FIBO Group can ask you for documents at any time, and you have 14 calendar days to answer. From day 15 it can charge up to $200 a day and take the money straight off your account.

Why this matters

A lost email or a passport stuck at renewal can cost you more than most people deposit. If your balance runs short, FIBO Group takes whatever is left instead.

Exhibit 1CriticalRarely seen$200

The Company reserves the right at any time and at its sole discretion to introduce a daily fee at the rate of up to 200 (two hundrer) US Dollars in case of incompliance by the Client with the requirements stipulated in paragraph 3.3.1. of this Agreement within 14 (fourteen) calendar days from the date of such request from the Company.
Clause 6.7 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 19 of 40 in the Customer agreement, 48% of the way through.

What it costsReply 10 days late at the top rate and $2,000 comes off the account.

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

Firms licensed by the FCA and CySEC must give a retail client the costs and charges of the service before they trade, and say when each charge applies. This contract lets FIBO Group set the daily amount itself, up to $200, after the account is open.

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

Our readingBrokers normally answer late paperwork by freezing the account until the documents arrive. Charging a daily sum for the delay, collected from the client's own balance, turns a compliance step into a running bill.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 1FIBO Group asks for identification documents or information.3.3.1
Day 14Your 14 calendar days to answer run out.6.7
Day 15A fee of up to $200 a day can be debited from the account.6.7
Balance below the daily feeFIBO Group takes whatever is left in the account.6.7
  • Worse together with Exhibit 3The charge lands on the account and you then have two working days to call it wrong before it becomes final.
02

You are expected to take your money out by the same method and in the same currency you paid in. Ask for anything else and FIBO Group can reject the request without giving any reasons.

Why this matters

If the card you paid with has expired, or your wallet has closed your country, you are asking for a different route by definition. FIBO Group can say no and never explain.

Exhibit 4CriticalHarder than usual

If the Client intended to withdraw funds from its trading account using a method different from the method this account was credited, or in a different currency the Company reserves the right to reject this operation without giving any reasons.
Clause 4.9 in Regulations on non-trading (financial) transactions, p.7
Read 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 act on a retail client's payment instruction and be able to explain a refusal. These rules let FIBO Group turn the request down with no stated grounds.

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

  • Worse together with Exhibit 5One clause refuses the route without reasons, the other freezes the money while an investigation with no deadline runs.
03

91 calendar days without a single trade makes your account dormant. FIBO Group can then charge up to $5 a month, and when the balance is too small to cover the fee it takes what is left.

Why this matters

Stop trading for three months and your money drains on its own. Nobody has to write to you: notice that a fee is starting goes on FIBO Group's website 10 calendar days ahead.

Exhibit 2CriticalHarder than usual$5

The Company reserves the right at any time and at its sole discretion to introduce regular dormant (inactive) Trade Account maintenance fee at the rate of up to 5 (five) US Dollars, or equivalent thereof, per month (the “Fee”) while a particular Trade Account being dormant (inactive).
Clause 6.3 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 18 of 40 in the Customer agreement, 45% of the way through.

What it costsLeave $40 in a dormant account and eight monthly charges of $5 clear it out.

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

Firms licensed by the FCA and CySEC have to tell a retail client about charges on their account in good time. This contract puts the announcement on the company website and lets the fee run until the balance is gone.

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

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 91With no trade since the last transaction, the account counts as dormant.6.3
Fee startsUp to $5 a month is debited while the account stays dormant.6.3
Balance below the feeFIBO Group takes the remaining balance instead of the fee.6.3
  • Worse together with Exhibit 3Each monthly charge becomes final two working days later, on an account you are by definition not watching.
04

The partner agreement lets FIBO Group cancel all orders and annul all profits where it suspects fraud or abuse. The suspicion can rest on the partner who introduced you, or on any of that partner's clients.

Why this matters

If you opened your account through an introducing partner, your profit sits inside a clause you never signed. FIBO Group decides at its absolute discretion.

Exhibit 6CriticalRarely seen

The Principal reserves the right at its absolute discretion to: terminate this Agreement; detach a Client from the Agent; cancel all orders and annul all profits; or if the Agent or any of the Agent's Clients commit or, the Principal suspect that the Agent or any of the Agent's Clients commits any fraud in the use of or abuse of the Principal's Partnership Program or any attempt of collusion or manipulation or arbitrage or other forms of deceitful or fraudulent trading or other activity or breach of this Agreement or its annexures or breach the relevant applicable laws, and the Principal shall not be liable to the Agent for any commissions resulting from such fraud, breach or abuse detected or suspected.
Clause 12.2 in Agency Agreement, p.9
Read from the broker's site on Open the reference

Buried at section 20 of 30 in the Agency Agreement, 67% of the way through.

Our readingPartner agreements commonly let a broker claw back the partner's own commission. Reaching past the partner to cancel the orders and profits of the clients they introduced puts someone else's conduct in charge of your balance.

  • Worse together with Exhibit 7One document annuls the profit, the other takes back fees and bonuses already paid, both on suspicion alone.
05

Once FIBO Group takes a commission or fee off your account, you have two working days to say it is wrong. After that the customer agreement calls the amount indisputable.

Why this matters

You have to watch the account like a bank clerk. Miss a charge over a weekend and the contract treats it as agreed, however wrong it was.

Exhibit 3CriticalRarely seen2 working days

The Client agrees that the calculated amount of commissions or fees shall be deemed indisputable unless the Client declares its incorrectness within 2 (two) working days as from the date of its automatic writing off.
Clause 6.7 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 19 of 40 in the Customer agreement, 48% of the way through.

What it costsA fee taken on Friday evening is final by Tuesday evening.

Our readingConsumer contracts usually allow months to query a charge. Two working days from the debit, with silence counted as agreement, closes the question before most people open a statement.

06

FIBO Group refunds the payment system's commission on every deposit. Sending the same money back to your card costs 6% plus $2, and no legal document states that price.

Why this matters

The cost of leaving is six times the cost of arriving, and it lives on a web page rather than in your contract. The rules let FIBO Group change those withdrawal amounts on its own.

Exhibit 8WarningHarder than usual6%

6% + 2 USD
Quoted in Ein- und Auszahlungsmethoden
Read from the broker's site on Open the reference
Our own capture of de.fibogroup.com, taken on Sep 12, 2026Free to pay in, 6% plus $2 to take out by cardVisit this page on the broker's siteDownload the full size image file

What it costsPay in $1,000 by card and $1,000 reaches the account. Take that $1,000 back to the same card and $62 goes in fees, so $938 arrives.

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

Firms licensed by the FCA and CySEC must disclose the costs of the service to a retail client before they trade, in a form the client keeps. Here the withdrawal price list sits only in the client area and on a web page the firm can edit.

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

  • Worse together with Exhibit 9The price list can be changed unilaterally, and the agreement it belongs to is amended by website notice alone.

FIBO Group can refuse a withdrawal without giving a reason

Ask for your money by a method or in a currency you did not pay in with, and FIBO Group's rules let it reject the request without giving any reasons. A payment it calls suspicious, on what the rules describe as its own subjective evaluation, can be suspended until its investigation ends, and no deadline is set for that. Managed account money can be held for 60 days.

Exit conditions2 clauses flagged

FIBO Group decides what looks suspicious by what its own rules call subjective evaluation. It can then suspend the payment until its investigation ends, and nothing says when that must be.

Why this matters

Your money can sit still for as long as the firm takes to finish looking at it. The same rules let it limit payments out of your account by any means it chooses meanwhile.

Exhibit 5CriticalHarder than usual

The Company reserves the right to investigate the nature of suspicious non-trading (financial) transactions, whereupon it can suspend such operations until clarification of their causes and conclusion of investigation.
Clause 1.4 in Regulations on non-trading (financial) transactions, p.2
Read 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 may hold a payment while they check it for financial crime, but they work to published turnaround times for client money and must justify a hold. These rules name no outer limit.

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

In the managed account rules, FIBO Group can block funds an investor owes a manager for an early withdrawal for up to 60 calendar days, if it считает the investor's activity suspicious. A manager's own capital cannot be withdrawn at all while the account exists.

Why this matters

Investing through a PAMM manager puts your exit behind a second set of rules. FIBO Group can also close the managed account at any time without explaining why.

Exhibit 16WarningHarder than usual60 days

Das Unternehmen behält sich das Recht vor, jederzeit Gelder zu sperren, die der Investor dem Manager als Strafe für ungeplante (frühzeitige) Abhebung von Geldern schuldet, für einen Zeitraum, der 60 Kalendertage nicht überschreitet.
Clause 8.4 in Geschäftsordnung der Dienstleistung "Verwaltetes Konto" (PAMM), p.7
Read from the broker's site on Open the reference

Two working days to challenge a fee, five for anything else

FIBO Group calls a charge indisputable once two working days have passed since it came off the account. Complaints about anything else run out five working days after the act itself, not after the day you notice it. Claims must be written in English, the loser pays the winner's lawyers, and one clause has you agree not to sue at all over a payment confirmed by SMS code.

Complaint deadlines3 clauses flagged

FIBO Group confirms transfers with a one-time code by SMS. The agreement treats that code as always sent from your own phone, and you agree not to file complaints, claims or suits about anything the firm does on the strength of it.

Why this matters

If someone takes over your number and empties the account, you have already agreed the code came from you and already given up the right to bring a claim.

Exhibit 10CriticalRarely seen

The Client hereby agrees and acknowledges that he shall not file complaints, claims, suits against the Company arising out of the Company's performance of any act (payment, etc.) if performance of this act was due, in particular, to the one-time verification password sent by the Client.
Clause 5.22 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 17 of 40 in the Customer agreement, 43% of the way through.

Our readingPayment contracts normally allocate the risk of a stolen code but keep an exception where the firm was at fault. This one deems the code to have come from your phone in any case, and adds a promise not to sue at all.

  • Worse together with Exhibit 12One clause removes the claim, the other caps what FIBO Group could ever owe you.

A complaint has to reach FIBO Group within 5 working days of the act you are complaining about, not of the day you noticed it. It must be written in English, and the side that loses in court pays the other side's lawyers.

Why this matters

A charge you spot on a monthly statement is already out of time. If you write in your own language the claim is not accepted, and you pay for the translation.

Exhibit 11WarningHarder than usual5 working days

Within 5 (five) working days as of the date of act performed or not performed (omission) which involves the claim the Party Concerned shall address the other Party specifying the particular rights and/or provisions of the Agreement that are violated and the measures necessary to restore the violated rights of the Party Concerned;
Clause 15.3.1 in Customer agreement
Read from the broker's site on Open the reference

Buried at section 29 of 40 in the Customer agreement, 73% of the way through.

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

Firms licensed by the FCA and CySEC must accept a complaint for at least six months and point the client to an ombudsman or independent scheme. This contract gives five working days and names no independent scheme.

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

The customer agreement says FIBO Group is not liable to you for any damages, losses or lost profit under the agreement. The non-trading rules say it is liable for damage caused by its own failure to perform.

Why this matters

Which sentence you get depends on which document is put in front of you. The customer agreement also says only a British Virgin Islands court can decide whether the firm acted wrongfully.

Exhibit 12WarningHarder than usual

The Company shall not be held liable to the Client for any damages, losses, loss of profit, loss of opportunities (due to potential market movements) expenses or damage under this Agreement.
Clause 10.2 in Customer agreement
Read from the broker's site on Open the reference

Buried at section 25 of 40 in the Customer agreement, 63% of the way through.

Profits can be annulled on suspicion alone

FIBO Group's partner agreement lets it cancel all orders and annul all profits where it suspects fraud or abuse, and that suspicion can attach to the partner who introduced you. Its non-trading rules let it indisputably take back fees and bonuses paid to you earlier. Both decisions are the firm's alone.

Your profit1 clause flagged

Where FIBO Group decides a payment was suspicious, its rules let it indisputably withhold fees and bonuses it paid you earlier, and close your open positions after registering the profit or loss.

Why this matters

Money already credited to you is not settled. The word the rules use is indisputably, so there is no step at which you get to argue about it.

Exhibit 7WarningHarder than usual

Indisputably withhold the sums of fees, bonuses (interest) from the trading account of the Client compensated to the Client earlier under non-trading (financial) transactions (if any).
Clause 1.6.5 in Regulations on non-trading (financial) transactions, p.2
Read from the broker's site on Open the reference

The cashback rate comes out of a random number generator

Every FIBO Group client counts as a cashback participant, and a wheel spin in the client area sets the rate between $1 and $5 for every $1,000,000 traded. Miss the spin and that month pays nothing. Cent accounts, cTrader Zero Spread accounts, managed accounts and whole product groups earn nothing at all.

Promotions1 clause flagged

FIBO Group's cashback rate is picked by a random number generator in your client area, between $1 and $5 for every $1,000,000 you trade. Forget to spin the wheel that month and no cashback is applied at all.

Why this matters

Every client counts as a participant, but cent accounts, cTrader Zero Spread accounts, PAMM accounts and whole product groups earn nothing. On the worst spin, a million dollars of turnover returns one dollar.

Exhibit 15WarningRarely seen$5

The cashback rate is determined by the client through a random number generator in their Personal Account.
Clause 2.1 in Cashback Program Terms, p.1
Read from the broker's site on Open the reference

What it costs$1,000,000 traded in a month returns between $1 and $5, and nothing at all if the wheel was not spun.

Our readingRebate programs normally set a rate by account type or volume tier, so a client can work out what a trade returns. Deciding it by a random generator each month, with nothing paid if the client does not claim it, makes the reward unknowable in advance.

Amendments never appear in the contract you downloaded

FIBO Group can amend the customer agreement at any time at its sole discretion, and the agreement states that the changes are never written into its text. Notice is a website post 10 working days ahead, and the non-trading rules ask you to check the site at least once a week. Two of its documents also give two different lists of the countries it will not accept.

Changing the rules2 clauses flagged

FIBO Group can change the customer agreement at any time at its sole discretion, and the agreement says those changes are never written into its own text. Notice is a website post 10 working days ahead.

Why this matters

The file you saved stays the same while the deal moves. The non-trading rules ask you to check the website at least once a week to find out what changed.

Exhibit 9WarningHarder than usual

Introduction of amendments shall not entail introduction of any changes directly in the text of this agreement. Upon enactment of amendments this Agreement shall be interpreted and performed in accordance with the amendments introduced.
Clause 17.3 in Customer agreement
Read from the broker's site on Open the reference

Buried at section 31 of 40 in the Customer agreement, 78% of the way through.

The customer agreement has you promise you do not live in Australia, Belgium, the British Virgin Islands, Costa Rica, the United Kingdom, North Korea or the USA. The client acceptance policy leaves Costa Rica and the British Virgin Islands off its list.

Why this matters

A client in Costa Rica can read the acceptance policy, open an account, and still be in breach of a promise in the agreement. Breaking one of those promises lets FIBO Group end the agreement on its own.

Exhibit 14WarningHarder than usual

The Client is not a resident or tax resident of Australia, Belgium, BVI, Costa Rica, Russia*, the United Kingdom, the North Korea and the USA.
Clause 2.1.4 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 3 of 40 in the Customer agreement, near the start.

British Virgin Islands courts, in English, with no forum objection

FIBO Group's customer agreement sends every dispute to the courts of the British Virgin Islands and has you agree not to argue that the forum is inconvenient. Only the firm can move a dispute to the London Court of International Arbitration. The website sells in 17 languages, and the contract says you cannot plead that you did not understand the English one.

Where you sue1 clause flagged

Every dispute goes to the courts of the British Virgin Islands, and you agree not to argue that the forum is inconvenient. Only FIBO Group may move a dispute to the London Court of International Arbitration.

Why this matters

Suing means hiring lawyers in Tortola, in English. The agreement also says you cannot rely on not having understood its terms because you do not know the language well enough.

Exhibit 13WarningStandard wording

Agrees not to file claims that such legal proceedings are held in inconvenient forum, or they are invalid in relation to the Client;
Clause 14.2.4 in Customer agreement
Read from the broker's site on Open the reference

Buried at section 28 of 40 in the Customer agreement, 70% of the way through.

FIBO Group may deal as principal and says little else about it

The licence FIBO Group publishes entitles it to deal in investments as principal, which means it can take the other side of your trade. The entire conflict of interest policy is two sentences at the end of the non-trading rules. Its own server is named as the only reliable price source, and it can cancel a transaction on a quotation it decides was wrong.

Who is on the other side1 clause flagged

FIBO Group's licence lets it deal in investments as principal, which means it can be the other side of your trade. The whole conflict of interest policy is two sentences at the end of the non-trading rules.

Why this matters

Nothing tells you when the firm takes the opposite side of your position. Its own server is named as the only reliable price source, and it can cancel a transaction on a quotation it decides was wrong.

Exhibit 17WarningHarder than usual

Should the Company identify the conflict of interests, the Company shall undertake all reasonable efforts to prevent any misuse of the situation at hand by any of its participants.
Clause 8.2 in Regulations on non-trading (financial) transactions, p.9
Read 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 keep a conflicts of interest policy, tell retail clients when they deal as principal, and describe how they manage it. Here the subject is covered by two general sentences.

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

Two company numbers and two licence numbers for one firm

FIBO Group's regulation page gives registration number 549364 and licence SIBA/L/13/1063, while its managed account rules give IBC number 549363 and its data protection policy gives licence SIBA/L/14/1063. No document in the set says client money is held separately from the firm's own funds, and none names a compensation scheme. For the licence itself, read the scam investigation.

Who you are dealing with2 clauses flagged

FIBO Group's regulation page gives registration number 549364 and licence SIBA/L/13/1063. Its managed account rules give IBC number 549363, and its data protection policy gives licence SIBA/L/14/1063.

Why this matters

The company you are suing and the licence you would complain about both depend on which document you read. The managed account rules go further and define the company as any company of the group.

Exhibit 18WarningRarely seen

Unternehmen – Alle Unternehmen der International Financial Holding FIBO Group, die einen «Managed Account (PAMM)» — Service zur Verfügung stellen.
Clause 1.2 in Geschäftsordnung der Dienstleistung "Verwaltetes Konto" (PAMM), p.3
Read from the broker's site on Open the reference
Our own capture of de.fibogroup.com, taken on Sep 12, 2026The claim, on Footer of the German regulation page, which continues with licence number SIBA/L/13/1063Visit this page on the broker's siteDownload the full size image file

Our readingA registration number is the one fact that ties a contract to a company at a registry. Publishing two of them, and two licence numbers, means the paperwork cannot settle which legal person is on the other side.

The customer agreement says your funds are held at the bank that serves FIBO Group, and that FIBO Group can change that bank at any time at its sole discretion. Nothing in the document set says client money is kept apart from the firm's own.

Why this matters

If the firm fails, what happens to your balance is not answered anywhere you can point to. No compensation scheme is named in any of these documents.

Exhibit 19WarningHarder than usual

The Client agrees that the Company shall keep the Client's funds with bank which serves the Company hereinafter referred to as the “Servicing Bank”). The Company shall reserve the right to change the Servicing Bank at any time at its sole discretion.
Clause 5.6 in Customer agreement
Read from the broker's site on Open the reference

Where it sits: section 15 of 40 in the Customer agreement, 38% of the way through.

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

Firms licensed by the FCA, CySEC and ASIC must hold retail client money in segregated accounts, apart from company funds, and say so. This agreement names a servicing bank and makes no statement about segregation.

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

Where the marketing and the contract disagree

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

01

The regulation page and the managed account rules on the same website give different registration numbers for the company you deal with.

Said in public, in German

Die FIBO Group, Ltd., Registrierungsnummer 549364, wird von der Financial Services Commission (FSC) der Britischen Jungferninseln gemäß der Investment Business Licence Nr. SIBA/L/13/1063 reguliert, die sie berechtigt, als Agent und als Prinzipal mit Investitionen zu handeln und Investitionsgeschäfte zu vermitteln.

Word for word in English: FIBO Group, Ltd., registration number 549364, is regulated by the Financial Services Commission (FSC) of the British Virgin Islands under Investment Business Licence No. SIBA/L/13/1063, which entitles it to deal in investments as agent and as principal and to arrange investment business.

German regulation page, Financial Services Commission section

In the contract

«FIBO Group, Ltd,», eine internationale Unternehmenskooperatio, eingetragen auf den Britischen Jungferninseln am 26. Juni 2003 mit der IBC-Nummer 549363.

02

The website gives licence SIBA/L/13/1063 while the data protection policy gives SIBA/L/14/1063.

Said in public, in German

Die FIBO Group, Ltd., mit Sitz in 2nd Floor, O'Neal Marketing Associates Building, Wickham's Cay II, P.O. Box 3174, Road Town, Tortola VG1110, British Virgin Islands, wird von der Financial Services Commission (

Word for word in English: FIBO Group, Ltd., with its seat at 2nd Floor, O'Neal Marketing Associates Building, Wickham's Cay II, P.O. Box 3174, Road Town, Tortola VG1110, British Virgin Islands, is regulated by the Financial Services Commission (

Footer of the German regulation page, which continues with licence number SIBA/L/13/1063

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

In the contract

regulated by regulated by the Financial Services Commission (FSC) BVI, registration number of the licence: SIBA/L/14/1063.

The documents this reading is based on

19 files, all published by FIBOGROUP. 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 FIBOGROUP publishes.

How this reading was done

Every clause above was read out of a document FIBOGROUP publishes itself

This reading was published on .

Documents
18 of 19downloaded from the broker's site, and 18 read in full
Pages opened
80pages walked to find those documents, footer links included
Marketing pages
11public pages set against what the contract says
Languages
DE vs ENthe language it advertises in, against the language it contracts in
Position measured
11clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

FIBO Group, Ltd

You contract with FIBO Group, Ltd, a business company in the British Virgin Islands. The customer agreement gives BVI Business Company Number 549364 and an office at the O'Neal Marketing Associates Building, Road Town, Tortola. The PAMM procedure on the same websites gives IBC Number 549363, a different registered office, and defines the company you deal with as any company of the International Financial Holding FIBO Group. No document names a European or other onshore company, so a retail client deals with the British Virgin Islands company and sues there.

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

FIBO Group pays your deposit commission for you, and works the example on its own page: a $1,000 card payment is charged 6% by the payment system, FIBO Group hands the $60 back, and the full $1,000 reaches the account. The complaints procedure is better than most offshore brokers publish. It names who handles the complaint, promises a reply in 10 working days, and caps the whole process at 3 months with a written answer even if nothing is settled. The KYC policy promises reasons when the firm ends a relationship. Every legal document is public and free to download.

We could not open the Real Cash Bonus 30% terms, so nothing here rests on them, and FIBO Group's German and English promotion pages both say no promotion is running today. No earlier copies of these documents are available, so this is a first reading with nothing to compare against. We read the deposit and withdrawal price list on FIBO Group's own page, and every figure we quote from it comes from there. The PAMM procedure handed to Italian and Mexican clients is the same English file word for word, so where the wording matters we quote the German version.

How to check any of this yourself

Every quote above links to the FIBOGROUP 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 FIBOGROUP 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 FIBOGROUP 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 12, 2026.

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

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