Wikilix
Contract reading

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

Every clause below is published by IDFX 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: PT. IDFX Futures Internasional

deemed acceptanceliability exclusionlicence statusno client agreementprofit promiseregulator claimrisk warningbiometricsclient moneycomplaints

IDFX publishes four legal pages and no contract. Its privacy policy binds you to terms and conditions the company never publishes, and the signup form asks only for consent to process your data. Every page says licensed and supervised by OJK, while the OJK letter IDFX publishes grants approval in principle. Nothing published says what a trade costs, when a withdrawal arrives, or how to complain.

Back to IDFX

Contract risk

Money at risk
6.5/10

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.
2
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.
18
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
5

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.

Critical2
Warning10
Notice3

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.

1825 daysDocument deadline. Jump to the clause this comes from.Your personal data is kept at least five years

What the documents say

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

01

Every page of the IDFX site carries a line that reads, in Indonesian, licensed and supervised by OJK. The OJK letter the company publishes itself grants approval in principle only, and tells IDFX to apply for the licence.

Why this matters

The line tells you that OJK licenses IDFX. OJK's own letter does not say that yet. The licence that covers your account is the BAPPEBTI futures broker licence, and that one is real.

Exhibit 1CriticalHarder than usual

Sesuai peraturan pemerintah, IDFX juga berizin dan diawasi oleh OJK dengan surat keputusan No. S-302/PM.02/2025 tanggal 14 Mei 2025.
Clause Legalitas in Legalitas
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026OJK claim on every page overstates the regulator's letter (clause Legalitas)Visit this page on the broker's siteDownload the full size image file
02

Using the site binds you to IDFX's Syarat dan Ketentuan, its terms and conditions, under the General section of the privacy policy. IDFX publishes no such document anywhere on idfx.id.

Why this matters

You cannot read what you are agreeing to before you pay. Nothing published tells you what IDFX may charge, how long a withdrawal takes, or when it may close your account.

Exhibit 2CriticalHarder than usual

Penggunaan dan akses ke situs ini diatur oleh Syarat dan Ketentuan serta Kebijakan Privasi Kami. Dengan mengakses atau menggunakan situs ini, berarti Anda telah memahami dan menyetujui serta terikat dan tunduk dengan segala Syarat dan ketentuan yang berlaku di situs ini.
Clause UMUM in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026You agree to terms and conditions IDFX does not publish (clause UMUM)Visit 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 and CySEC must give a retail client the terms of business before that client trades. IDFX names its terms and conditions in the privacy policy and publishes no such document.

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

  • Worse together with Exhibit 9Terms you cannot read can also be rewritten at any time without notice, so you can never establish what you agreed to or when it changed.
03

Nothing IDFX publishes says how long a withdrawal takes, what it costs, or whether there is a minimum. The only published mention of withdrawals sits inside a sentence about segregated accounts.

Why this matters

You deposit without knowing when you can take money out. If a payout is slow, you have no published timetable to hold IDFX to.

Exhibit 3WarningHarder than usual

Seluruh dana investasi nasabah baik setoran maupun penarikan hanya melalui rekening terpisah (segregated account) dan diawasi oleh lembaga-lembaga pemerintah tersebut di atas.
Clause Legalitas in Legalitas
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026No published rule on how you get your money back (clause Legalitas)Visit 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 and CySEC must set out their withdrawal terms in the client agreement and must return client money promptly when asked. IDFX publishes no withdrawal terms.

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

  • Worse together with Exhibit 4With no fee list and no withdrawal terms, you cannot work out either the cost or the timing of getting money out before you pay it in.
04

IDFX advertises low commission, competitive spreads and no hidden fees on its company profile page. It publishes no commission rate, no spread table and no deposit or withdrawal fee. The signup form asks you to pick a rate basis it never explains.

Why this matters

You cannot check the promise. With no published rate, you only learn what a trade cost you after IDFX has taken it.

Exhibit 4WarningHarder than usual

Informasi yang terdapat dalam situs web ini hanya untuk tujuan umum dan indikatif saja.
Quoted in Sanggahan
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026The claim, on Company profile page, under the heading Komisi Rendah, meaning Low CommissionVisit this page on the broker's siteDownload the full size image file
Our own capture of idfx.id, taken on Oct 6, 2026What the contract saysThis capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
Our own capture of idfx.id, taken on Oct 6, 2026No hidden fees promised, no fee list publishedVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus), ASIC (Australia)

Firms licensed by the FCA, CySEC and ASIC must disclose costs and charges to a retail client before that client trades. IDFX publishes a no hidden fees claim and no figures.

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

05

The bilateral product page tells you, in its own words, that people with small capital can reap large profits in a relatively short time. The footer on that same page says you can lose your whole deposit.

Why this matters

You are reading a profit promise on a margin product that can take your whole deposit. IDFX publishes no risk disclosure document to set against it.

Exhibit 5WarningHarder than usual

Perdagangan Forex dan CFD membawa tingkat risiko yang tinggi dan dapat menyebabkan hilangnya sebagian atau seluruh investasi Anda (deposit).
Quoted in Sanggahan
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026The claim, on Bilateral product page, opening description of commodity tradingVisit this page on the broker's siteDownload the full size image file
Our own capture of idfx.id, taken on Oct 6, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file
Our own capture of idfx.id, taken on Oct 6, 2026Product page promises large profits in a short timeVisit this page on the broker's siteDownload the full size image file

IDFX says it is OJK licensed, and publishes the letter that says otherwise

Every page of idfx.id carries the line licensed and supervised by OJK. The OJK letter IDFX publishes grants approval in principle and tells the company to apply for the licence. On its product page IDFX promises large profits in a short time. The footer on that same page says you can lose your whole deposit.

Claims against documents1 clause flagged

Under a heading that means how to minimise risk, IDFX tells you to add layered positions when the market moves against you. The same page suggests adding trade volume.

Why this matters

Adding to a losing margin position increases what you can lose. The site's own footer warns that leverage works against you as well as for you.

Exhibit 11WarningHarder than usual

Averaging berarti anda melakukan aksi yang sama untuk melindungi posisi terbuka sebelumnya.
Clause Cara Meminimalisasi Resiko, 3. Averaging in Manajemen Resiko
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026The claim, on Risk management education page, under the heading Cara Meminimalisasi Resiko, meaning How to Minimise RiskVisit this page on the broker's siteDownload the full size image file
Our own capture of idfx.id, taken on Oct 6, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file

IDFX can rewrite the disclaimer without telling you, and rules out a continent in a footer

IDFX can revise its disclaimer at any time with no notice, and using the site counts as unconditional agreement. The page carries no date and no version, so you cannot tell what changed. The same footer rules out residents of the United States, North Korea, Iran and countries on the African continent.

Terms that move2 clauses flagged

IDFX can revise the disclaimer at any time without telling you, and using the site counts as unconditional agreement. The page carries no date and no version number, so you cannot tell what changed.

Why this matters

The duty to spot a change is yours. IDFX asks you to re-read the page regularly, and keeps no record of what it altered.

Exhibit 9WarningHarder than usual

Dengan menggunakan situs web ini, berarti nasabah menyetujui ketentuan disclaimer ini tanpa syarat dan bahwa disclaimer ini dapat direvisi dan/atau diubah dari waktu ke waktu oleh Perusahaan tanpa pemberitahuan sebelumnya kepada nasabah.
Quoted in Sanggahan
Read from the broker's site on Open the reference

IDFX says it does not serve residents of the United States, North Korea, Iran and countries on the African continent. The exclusion sits in the small print at the bottom of every page, with no list of countries.

Why this matters

If you live anywhere in Africa, this line does not tell you whether IDFX will take you on. Nothing published says what happens to an account it later finds ineligible.

Exhibit 10WarningRarely seen

PT. IDFX Futures Internasional tidak menyediakan layanan bagi penduduk negara tertentu seperti Amerika Serikat, Korea Utara, Iran, dan negara-negara pada benua Afrika
Quoted in Legalitas
Read from the broker's site on Open the reference

Our readingBrokers normally name the countries they refuse. Excluding a continent in one phrase leaves every client on it unable to check their own standing, and leaves IDFX free to decide later.

You are bound to terms IDFX never shows you, and there is no complaint route

The IDFX privacy policy binds you to terms and conditions that the company does not publish. No complaint procedure, no deadline, no governing law and no court appear anywhere on idfx.id. The one disclaimer it does publish excludes its own errors and negligence in everything the site says.

Nothing to hold them to3 clauses flagged

IDFX takes no responsibility for errors, negligence or misrepresentation in anything on its website, under the Sanggahan page. The exclusion reaches consequential loss and anything you relied on.

Why this matters

You rely on what the site tells you about fees, safety and licences. This clause says you cannot hold IDFX to any of it.

Exhibit 6WarningHarder than usual

IDFX (selanjutnya disebut sebagai “Perusahaan”) tidak bertanggung jawab atas kesalahan, kelalaian, salah penyajian atau salah penafsiran terkait, (baik tersurat maupun tersirat), setiap informasi tersebut, dan tidak memiliki atau bertanggung jawab, kewajiban, atau pertanggungan apa pun atas kerugian, kehilangan, atau kerusakan (termasuk namun tidak terbatas pada kerugian, kehilangan, atau kerusakan konsekuensial) yang timbul dari atau terkait dengan penggunaan atau penyalahgunaan dari atau pengandalan pada informasi yang disajikan di situs ini.
Quoted in Sanggahan
Read from the broker's site on Open the reference
  • Worse together with Exhibit 7The exclusion removes the claim and the absence of any complaint route removes the place to bring it.

IDFX publishes no complaint procedure, no deadline for complaining and no appeal route. Its only jurisdiction statement puts the duty to obey local law on you.

Why this matters

If a trade or a payout goes wrong, nothing published tells you who to write to or how long IDFX has to answer.

Exhibit 7WarningHarder than usual

Mereka yang mengakses informasi yang terkandung dalam situs web ini bertanggung jawab mematuhi semua undang-undang dan regulasi yang berlaku di yurisdiksi mereka.
Quoted in Sanggahan
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 run a written complaints procedure and give retail clients access to an independent complaints scheme. IDFX publishes neither.

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

The privacy policy has you release IDFX from responsibility when information it sends you does not arrive because of an unforeseen technical fault. The waiver sits in the privacy policy, not in any trading document.

Why this matters

A margin product runs on notices. If the message about your position never reaches you, this clause puts that loss on you.

Exhibit 8WarningHarder than usual

Pengguna dengan ini membebaskan Kami dari tanggungjawab atas tidak tersampaikannya data/ informasi yang disampaikan kepada Pengguna melalui berbagai jenis saluran komunikasi karena faktor kesalahan teknis yang tidak diduga-duga sebelumnya.
Clause UMUM in Kebijakan Privasi
Read from the broker's site on Open the reference

IDFX keeps your identity file for at least five years after you leave

IDFX holds your personal data for at least 5 years after you stop being a user, and sets no outer limit. Deletion before then depends on an email request that no clause obliges it to grant. Camera access used to identify you is filed as data that cannot be personally identified.

What they keep2 clauses flagged

IDFX keeps your personal data for at least 5 years after you stop being a user, under the Security of Personal Information section. The policy sets a floor, not a limit.

Why this matters

Your identity documents stay on file long after you close the account. To have them deleted sooner you have to ask IDFX by email, and no clause obliges it to agree.

Exhibit 12WarningHarder than usual1825 days

Data Pribadi Anda akan Kami simpan paling tidak sampai dengan 5 tahun sejak Anda berakhir menjadi pengguna situs kami atau sesuai dengan persyaratan dalam peraturan perundang-undangan, yang kami simpan pada pusat data Kami serta pusat pemulihan bencana kami yang berlokasi di Indonesia.
Clause KEAMANAN INFORMASI PRIBADI in Kebijakan Privasi
Read from the broker's site on Open the reference

What it costsFive years is 1,825 days. A client who stops using the site in 2026 has their identity file held into 2031, and the wording allows longer.

IDFX files camera access used to identify you, your IP address and your login data under information that cannot be personally identified.

Why this matters

The protections the policy gives Personal Information do not attach to that group. The camera check that proves who you are sits outside them.

Exhibit 13NoticeHarder than usual

Kami juga mengumpulkan informasi tidak langsung yang tidak dapat diidentifikasi secara pribadi yang mungkin terkait dengan Anda selaku Pengguna, termasuk nama keanggotaan, alamat IP dan informasi login, akses ke kamera yang digunakan untuk mengidentifikasi Pengguna, serta hal-hal lain termasuk preferensi.
Clause PENGUMPULAN INFORMASI PRIBADI in Kebijakan Privasi
Read from the broker's site on Open the reference

One Indonesian company, a real BAPPEBTI licence, and two dates that do not match

PT. IDFX Futures Internasional is the only entity named in every document. It is an Indonesian futures broker licensed by BAPPEBTI and a member of JFX and KBI. Its pages date that licence 4 November 2024, while the OJK letter it publishes dates the same number 24 December 2024. IDFX states that client money sits in segregated accounts, and publishes nothing on your rights over it.

Who you contract with2 clauses flagged

Two IDFX pages date its BAPPEBTI business licence 4 November 2024. The appendix to the OJK letter IDFX publishes dates the same licence number 24 Desember 2024.

Why this matters

Checking a broker starts with its licence. Two of IDFX's own documents give different dates for the same licence, so one of them is wrong.

Exhibit 14Notice

Dalam menjalankan kegiatan usaha, kami diawasi oleh Badan Pengawas Perdagangan Berjangka Komoditi (BAPPEBTI) dengan surat keputusan BAPPEBTI No. 006/BAPPEBTI/SI/12/2024 tanggal 4 November 2024.
Clause Legalitas in Legalitas
Read from the broker's site on Open the reference
Our own capture of idfx.id, taken on Oct 6, 2026The claim, on Company profile page, under the heading Perusahaan Berlisensi, meaning Licensed CompanyVisit this page on the broker's siteDownload the full size image file
  • Same clause as Exhibit 1Both rest on the OJK letter IDFX publishes, one on what it grants and one on the dates in its appendix.

IDFX says every deposit and withdrawal passes only through a segregated account, meaning an account kept apart from company money. No published document states what rights you have over that money.

Why this matters

You pay into four bank accounts held in the company's own name. Nothing published tells you what happens to your balance if IDFX fails, and no compensation scheme is named.

Exhibit 15NoticeStandard wording

Dengan adanya rekening terpisah (segregated account), maka akan menimimalkan risiko dana dari pihak yang tidak bertanggung-jawab, serta transparan karena seluruh catatan transaksi tersimpan dengan akurat.
Clause Legalitas in Legalitas
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 hold retail client money in segregated accounts and must explain in writing how that money is protected if the firm fails. IDFX states the segregation and publishes no such explanation.

IDFX 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 site says OJK licenses IDFX, while the OJK letter it publishes grants approval in principle and tells the company to apply for the licence.

Said in public, in Indonesian

Berizin dan Diawasi oleh OJK

Word for word in English: Licensed and Supervised by OJK

Line under the company name in the footer, on every page of idfx.id

In the contract · clause 1

Otoritas Jasa Keuangan (OJK) memberikan persetujuan prinsip sebagai Perantara Pedagang Efek Derivatif Keuangan kepada PT IDFX Futures Internasional yang sebelumnya telah memiliki izin usaha dan/atau persetujuan dari Bappebti selaku Pialang Berjangka dan Peserta Sistem Perdagangan Alternatif, sebagaimana lampiran yang tidak terpisahkan dari surat ini.

02

IDFX promises no hidden fees on one page, and on its only disclaimer page says everything the site states is indicative only.

Said in public, in Indonesian

PT. IDFX Futures Internasional menawarkan biaya transaksi yang kompetitif dengan komisi trading yang rendah untuk memaksimalkan potensi keuntungan Anda. Sebagai broker yang berpihak pada trader, kami menyediakan spread yang kompetitif dan tidak ada biaya tersembunyi.

Word for word in English: PT. IDFX Futures Internasional offers competitive transaction costs with low trading commission to maximise your profit potential. As a broker on the trader's side, we provide competitive spreads and there are no hidden fees.

Company profile page, under the heading Komisi Rendah, meaning Low Commission

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

In the contract

Informasi yang terdapat dalam situs web ini hanya untuk tujuan umum dan indikatif saja.

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

03

The product page offers large profits from small capital, while the footer on the same page says you can lose your entire deposit.

Said in public, in Indonesian

Instrumen ini merupakan salah satu dari sebagian kecil instrumen investasi, di mana partisipan yang memiliki modal kecil dapat terlibat dan meraup keuntungan besar dalam waktu yang relatif singkat.

Word for word in English: This instrument is one of the few investment instruments where participants with small capital can take part and reap large profits in a relatively short time.

Bilateral product page, opening description of commodity trading

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

In the contract

Perdagangan Forex dan CFD membawa tingkat risiko yang tinggi dan dapat menyebabkan hilangnya sebagian atau seluruh investasi Anda (deposit).

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

04

IDFX dates its own business licence 4 November 2024, and the regulator's appendix on the same licence number says 24 December 2024.

Said in public, in Indonesian

PT. IDFX Futures Internasional terdaftar dan diawasi oleh Badan Pengawas Perdagangan Berjangka Komoditi (BAPPEBTI), Kementerian Perdagangan Republik Indonesia dengan Nomor Izin Usaha 006/BAPPEBTI/SI/12/2024 tanggal 4 November 2024, serta berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK) dengan surat keputusan No. S-302/PM.02/2025 tanggal 14 Mei 2025.

Word for word in English: PT. IDFX Futures Internasional is registered and supervised by the Commodity Futures Trading Regulatory Agency (BAPPEBTI), Ministry of Trade of the Republic of Indonesia, with Business Licence Number 006/BAPPEBTI/SI/12/2024 dated 4 November 2024, and is licensed and supervised by the Financial Services Authority (OJK) by decision letter No. S-302/PM.02/2025 dated 14 May 2025.

Company profile page, under the heading Perusahaan Berlisensi, meaning Licensed Company

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

In the contract · clause Lampiran, 3

Nomor Izin Usaha untuk Menyelenggarakan Kegiatan sebagai Pialang Berjangka: 006/BAPPEBTI/SI/12/2024 tanggal 24 Desember 2024

05

The education page tells you to add volume to a losing position to minimise risk, while the footer warns that leverage can work against you.

Said in public, in Indonesian

Selain membuka posisi berlapis, Anda juga bisa menambahkan volume transaksi.

Word for word in English: As well as opening layered positions, you can also add to your transaction volume.

Risk management education page, under the heading Cara Meminimalisasi Resiko, meaning How to Minimise Risk

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

In the contract

Tingkat leverage yang tinggi yang diperoleh dalam perdagangan Forex dan CFD dapat berfungsi melawan Anda serta berfungsi bagi Anda.

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

The documents this reading is based on

18 files, all published by IDFX. 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 IDFX publishes.

How this reading was done

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

This reading was published on .

Documents
7 of 18downloaded from the broker's site, and 7 read in full
Pages opened
80pages walked to find those documents, footer links included
Marketing pages
11public pages set against what the contract says

Who the contract is with

PT. IDFX Futures Internasional

PT. IDFX Futures Internasional is the company behind every page and certificate, in North Jakarta. It is an Indonesian futures broker licensed by BAPPEBTI as a Pialang Berjangka, a futures broker. It is also an approved participant in the Sistem Perdagangan Alternatif. It is a member of the Jakarta Futures Exchange and of Kliring Berjangka Indonesia. OJK's letter spells the name without the full stop and grants approval in principle, not a licence. No offshore entity and no second agreement appears anywhere, so you contract with this company and no other.

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

One company appears in every document, PT. IDFX Futures Internasional in North Jakarta, with no offshore entity and no second agreement. IDFX publishes the OJK letter itself as a file you can download and read, which most brokers replace with a logo. The segregated bank accounts are listed by bank, currency and account number, so you can check the account you pay into. There is no bonus scheme and no promotion terms anywhere, so there is no bonus lock to fall into.

We read all four of the IDFX legal pages, Legalitas, Rekening Terpisah, Sanggahan and Privasi, and the OJK letter in full. Two certificates are scans with no searchable text: the exchange membership certificate and the ISO 27001 certificate. We could not read what they say. IDFX publishes no client agreement, no terms and conditions, no risk disclosure, no fee schedule and no withdrawal terms. There was nothing of that kind to read. Four of the files collected from idfx.id are copies of the front page. The site answers an unknown address with its home page. Any document shown after the registration form is submitted is not public, and we did not open an account. No earlier version of any legal page is available, so this is a first reading with nothing to compare against.

How to check any of this yourself

Every quote above links to the IDFX 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 IDFX 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 IDFX 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 Oct 6, 2026.

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

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